Print ISSN: 2204-1990

Online ISSN: 1323-6903

Keywords : Banks


IMPACT OF COVID- 19 PANDEMIC ON DIGITAL PAYMENTS IN INDIA: A STUDY

Dr. Shahrukh Saleem,Mr. B. Sreekanth, Dr. N. Gangisetty

Journal of Contemporary Issues in Business and Government, 2022, Volume 28, Issue 3, Pages 757-767
DOI: 10.47750/cibg.2022.28.02.059

The aim of this research paper is to study factors impacting digital payments in India during
the Covid-19 Pandemic. The paper has used Factor Analysis, Confirmatory Factor Analysis
(CFA), Multiple linear Regression, Chi Square Test, T-test ,ANOVA and descriptive statistics
for the purpose of analysis. The paper is analysed on a sample 300 respondents and data was
collected through a structured questionnaire. This study proposed the variables affecting the
digital payments during the pandemic after thorough analysis. The study found that there was
a spike in various digital payments usage for the customers during the pandemic due to
various safety concerns and lockdowns imposed by the government.The results show high
usage of various digital banking services by the customers during the pandemic.

Assessment and Map Analysis of the Terrain and Landscape for the Siting of Banks Locations in Abaji Area of Abuja Federal Capital Territory, Nigeria

ROMANUS UDEGBUNAM AYADIUNO; AGBAKWURU GLORY ODILAMMA; DOMINIC CHUKWUKA NDULUE

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 3, Pages 925-939
DOI: 10.47750/cibg.2021.27.03.126

Land is the centre point of human existence and development. Development is achieved through modernization, improvement of infrastructure, financial systems and agriculture. In any economy, the financial system plays active role in production. Banks are seen as agents of development. This work is aimed at assessing and identifying optimal locations to site new banks in Abaji L.G.A of Abuja Federal Capital Territory, Nigeria. It seeks to examine the distribution patterns of existing banks and the factors necessary for the location of banks. GIS analysis was done in ArcGIS software to analyze maps extracted from satellite imageries. Nearest neighbour analysis was used to explain the pattern of distribution of banks within the study area while proximity analysis was also carried out to assess the distance of major population areas to the banks. Both primary and secondary data were used in extracting information from the study area. The study also used quantitative and qualitative methods in analyzing and presenting the numerous factors for siting banks loctions. Descriptive and inferential statistics were used to analyse demographic characteristics of the respondents. Results from analysis shows that banks in Abaji L.G.A are in a regular pattern and they only exist within Abaji town leaving out other areas in the study area leading to increase in the number of the financially excluded populace. Overlay technique was used for all the variables that were analyzed, this makes for proper identification of suitable locations for sitting of banks in the study area. The recommendations therefore are among others, increase in the number of banks in Abaji L.G.A as population increases, establishing the mediums to aid in the establishment of banks and other banking facilities.

THE COVID-19 MORATORIUM: A REPRIEVE AND NOT A WAIVER

Palak Lohia

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 2, Pages 2514-2527
DOI: 10.47750/cibg.2021.27.02.260

In the first MPC meeting held on 27.03.20, Finance Minister of India, Nirmala Sitharaman and the Governor of RBI, Shaktikanta Das announced a moratorium of three months on all loans and credit card instalments due between 1st March and 31st May initially, which was later extended to 31st August, in order to provide relief to the borrowers in the economy, in the current scenario of losses. Loans being on moratorium are sup-posed to have zero impact on the credit history of the borrower concerned, which means a no default situa-tion.
Now, banking sector, which is the backbone of any economy, will have to carry the burden of this year for many more years to come. In this paper, it has been attempted to study the impact of the decision of putting the loans on moratorium on the banking industry of India, adding to the ever existing issue of high NPAs.

Examination of Sharia based Islamic banking Practices and Brand attractiveness of Islamic banking in Pakistan: Customers ’Perspective

Misbah Zahid, Dr. Zargham Ullah Khan, Ms. Ujala Siddiq, Jaffar Mehmood Butt, Dr. Syed Waqas Ali Kausar

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 1, Pages 4552-4560

The objective of this study is to identify factors that attract the university students to Islamic
bank as compare to conventional banks in Pakistan. Several variables selected after having
studied the literature. Among those variables the most important ones are interest free banking, benefits available, service quality, and infrastructure of banks and staff friendliness. But benefits offered are assumed to be constant for this research. In order to undertake the study 100 questionnaires were distributed among the students of Business schools. The response rate was 86 percent. The qualitative research was done to accomplish the study. For the purpose of analysis, descriptive statistical measures and correlation techniques were applied. After getting inside the results, it has been discovered that service quality, Interest free banking and staff friendliness are the variables that attracts the university students to Islamic banks the most. The Islamic bank should improve these factors to increase their share in the market.

Role of MSME in rural development

DR.P.PRAVEEN KUMAR; MS.N. RAJALAKSHMI

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 2, Pages 620-623
DOI: 10.47750/cibg.2020.26.02.084

Microfinance moneylenders give little credits to current and hopeful entrepreneurs. These advances help give individuals who might not have the credit or the admittance to conventional financing the chance to procure a higher pay and give occupations to their nearby networks. The measure of microfinance advances differ by loan specialist and can go from $25 up to $2,000. Descriptive research design is adopted to measure the selected topics. The sample size of the study is 46 members of MSME. The study primarily uses primary data. The tools of frequency analysis, mean analysis and ANOVA used in the study to analyse the data.