• Title/Summary/Keyword: Interest Degree

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The Effect of Conventional Bank's Interest Rate & Islamic Bank's Profit Rate on Investment & Return: An Empirical Investigation in Bangladesh

  • Chowdhury, Mohammad Ashraful Ferdous;Rahman, Syed Mohammad Khaled
    • Asia-Pacific Journal of Business
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    • v.5 no.1
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    • pp.33-41
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    • 2014
  • Since depositors are motivated by returns, it is important for Islamic banks management to understand the extent that rates of return on deposits influence their customers' decision to deposit. The main objective of the study is to explore the degree of influence of conventional bank's interest rate on Islamic bank's profitability and vice-versa. It has been seen from 2005 to 2011 that the rate of interest declared on deposit by conventional banks has a negative impact on profitability of both types of banks in Bangladesh. Rate of profit declared on deposit by Islamic banks is positively related with their profit earned but negatively related with profit earned by conventional banks. We see that rate of interest declared on deposit by Conventional Banks is positively related with their deposit volume but negatively related with Islamic Bank's deposit. On the other hand, rate of profit declared on deposit by Islamic Banks is negatively related with deposit levels of both types of banks. The survey result shows that almost 85% of the respondents are choosing Islamic banks only from their religious point of view and more than 60% of the sampled Islamic bank customers are reluctant to leave the bank even if conventional banks offer better interest rates.

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How Does Intellectual Capital Fuel Non-Interest Incomes in Banks? New Case from an Emerging Country

  • Chi Huu Lu;Thich Van Nguyen
    • Journal of Contemporary Eastern Asia
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    • v.22 no.1
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    • pp.1-25
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    • 2023
  • The aim of this study is to answer the straightforward question of whether the implementation of IC has fueled non-interest incomes of banks or not. By utilizing the data of 26 domestic banks in Vietnam and employing the value-added intellectual coefficient model (VAIC) as the measure of IC efficiency, our empirical evidence manifests that IC plays a vital role in fostering non-interest incomes of banks. When dividing VAIC into different components, we find that structure capital employed (SCE) is the most important component to enhance the expansion of these incomes compared with other components including capital employed efficiency (CEE), human capital efficiency (HCE). These findings remain unchanged through some robustness tests performed. While the main driver of IC and SCE, CEE component becomes a substantial advantage to increase non-interest incomes in large banks. Meanwhile, the degree of impact of SCE is higher in small banks compared with large ones. Overall, this study would provide a deep insight into the role of IC in the transformation into non-interest income activities of banks in an emerging country, and therefore our findings would be useful for both scholars and policy-makers in Vietnam, where has undergone the period of major reforms in banking system.

HIGH-DEGREE INTERPOLATION RULES GENERATED BY A LINEAR FUNCTIONAL

  • Kim, Kyung-Joong
    • Communications of the Korean Mathematical Society
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    • v.22 no.3
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    • pp.475-485
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    • 2007
  • We construct high-degree interpolation rules using not only pointwise values of a function but also of its derivatives up to the p-th order at equally spaced nodes on a closed and bounded interval of interest by introducing a linear functional from which we produce systems of linear equations. The linear systems will lead to a conclusion that the rules are uniquely determined for the nodes. An example is provided to compare the rules with the classical interpolating polynomials.

A Study on Health Promotion Behaviors of a Group of Middle Aged Men in K-Ku, Incheon City (인천시 중장년층 남성의 건강증진 행위)

  • Hwang, Seung-Sook;Park, Jeong-Mo;Lee, Hwa-In;Kim, Eun-Joo
    • Research in Community and Public Health Nursing
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    • v.15 no.3
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    • pp.408-418
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    • 2004
  • This study aims to provide useful basic materials for planning the Health Improvement Program and Policy for men aged 20 40. This study investigated 889 subjects, and at each corresponding age, who were collected among the trainers at the Civil Defense Training Institute in K-ku, Incheon City. The data collection period lasted from April to July of 2003. I revised and complemented the measurement tool for the Health Improvement Life Style developed by Jung Eun-Kyung. For analysis of the acquired data. I used SPSS11.0 program. The study shows that the Health Improvement Action of a group of middle aged men averaged 2.80, and 0.44 point out of 5. According to the results found during the analysis of the generic characters of differences in behaviors of Health Improvement. It was revealed that there were significant differences in age, regular exercise and health interest, stress management, self-concept as well as degrees of interest in health, and education level. According to monthly income levels, regular exercise and degrees of self-concept degrees were significantly different from each other. According to marital status. balanced diet and regular exercise were related to each other. According to religion, balanced diet, stress management degree, self concept degree, and degrees of interest in health, significant differences were shown. Based on the earlier mentioned results, we should pay attention to act more, rather than merely recognize the development of the health improvement program of our regional community. Also, it is necessary to find out the cause, which lowers men's interest in health.

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The Effect of Female Adolescent Body-Related Variables, Self-Esteem and Internal Control on Eating Disorder Behavior (여자청소년의 신체관련변인, 자존감, 내적통제력이 섭식장애행동에 미치는 영향)

  • Kim, Gab-Sook;Kang, Yeon-Jeong
    • Journal of Families and Better Life
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    • v.25 no.3 s.87
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    • pp.77-87
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    • 2007
  • This study purports to understand the direct and indirect effects between eating disorder behavior of female adolescents and their body-related variables(concerning the degree of diet regime, weight control, body satisfaction, and obesity), self-esteem and internal control, by checking three sub-categorized behavior of eating disorders of diet behavior, bulimia behavior, and eating control behavior. The sample group used for the study consisted of 190 female high school students and 292 female university students; measurement devices used for the study were those of body-related variables, self esteem and internal control, and eating disorder behavior; and data analysis was performed using ${\chi}2$, t-test, Pearson's correlation, regression analysis and path analysis. The results are as follows. First, there is a significant difference between university students and high school students regarding their body satisfaction, weight control experience, and self esteem. University students are more satisfied with their body, have higher self esteem, and control their weight better than high school students. Second, diet behavior shows a correlation with the degree of diet interest, weight control experience, and body satisfaction. Body satisfaction and internal control proved to be correlated with bulimia behavior, while weight control experience, obesity, and self esteem were correlated with eating control behavior. Third, the variables that showed a direct influence on diet behavior as an eating disorder are diet interest, weight control experience, body satisfaction and obesity, in that the explanatory power of the variables is 60.7% with the highest mark on obesity. The variables that showed effects on bulimia are body satisfaction and internal control with an explanatory power of 2.8%. Indirect variables effecting bulimia include objects, diet interest, body satisfaction, and self esteem. The variable with a direct influence on eating control behavior was self esteem with and explanatory power of 4%, whereas the variables of objects, diet interest, body satisfaction, weight control experience, and internal control were all indirectly correlated with eating control behavior.

Recognition of Native Local Foods in the Jeonju Area of Korea by Adults (전주 지역 성인의 향토 음식에 대한 인식)

  • Kim, In-Sook;Choi, Ok-Beom;Yu, Hyeon-Hee;Shin, Mee-Kyung
    • Journal of the East Asian Society of Dietary Life
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    • v.17 no.6
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    • pp.765-779
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    • 2007
  • The objective of this study was to examine Jeonju residents' recognition towards their native local foods. The results indicate that their degree of interest in the native foods was above average. As age and education increased, the degree of interest was also increased. Also, married people showed greater interest as compared to single people (p<$0.05{\sim}0.001$). There were more people who said they preferred native foods than people who said they didn't, where 213 people (41.3%) answered that they preferred the native foods. Of the people who said they like native foods, their main reason was because the native foods taste good. The main reason for the people who said they disliked native foods was that they didn't have many opportunities to try native foods. TV and radio were the first means, among others, from which people learned about native foods. The place where people ate native foods most often was native food restaurants (242 people, 46.95%). A frequency of a native food intake (including home and dining-out) of $1{\sim}2$ times/year was most prominent, with 137 people (26.6%). Also, a cooking frequency of "hardly ever cooks" was most prominent with 163 people (31.6%). The most prominent reason for the low cooking frequency at home was because they didn't know the recipes. Among 5 basic recipe characteristics for native foods (easy preparation of ingredients, simple recipe procedures, quick preparation, reasonable recipe procedures, sanitation), "sanitation" had the highest average score of 3.54, and "simple recipe procedure" had the lowest score of 2.44. To summarize, in order to develop Jeonju native local foods, it is necessary to implement various strategies such as frequently holding events where people can experience their native foods, running a native food training center, advertising through TV and radio, developing easy home recipes, and simplifying recipes.

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A Study on Health of High School Students (남(男)·여(女) 고등학생(高等學生)들의 건강(健康)에 관(關)한 연구 - 일부 청소년들의 건강상태와 건강행위를 중심으로 -)

  • Kim, Hak-Soon
    • Journal of the Korean Society of School Health
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    • v.6 no.2
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    • pp.89-100
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    • 1993
  • This study intended to examine closely the reasons which influence the health status and to health behavior of teenagers and plan the development of the school health education. The subject of this study was the boys, and girls' high school students in Chonguy city. The number of them was totally 632 and the period was from July 9 to 14, 1990. 1. The Health Status of Teenagers. I have examined closely the health status of teenagers. They answered they continued to go to school. ever though the majority of teenagers had troubles in their sleeping and felt sick As for one's health, most of teenagers were in a good condition and were sometimes worrying about their health condition. 2. The Degree of Interest and Responsibilities of Teenagers for Their Own Health. In the responsibility of teenagers for their own health the answer, 'my health depends on my taking care of it', had the highest grade, 4.67. And the answer, 'I am in a good health condition because I have taken of my health very well', had the lowest average, 4.1. In the degree of interest of teenagers for their own health, the problem of studying had the highest degree, 4.48 and the use of drugs, the smoking behavior, masturbation, the drinking behavior and the birth control were the lowest degree. 3. The Health Behavior of Teenagers. In this part, teenagers performed about 64 percent's health behavior on the point of 3.37. 4. The Comparison of the Health Behavior, the Health Responsibility and the Health Interest of the Subject According to the General Characteristics. The results were as follows: 1) There are significantly different in the health behavior according to sex (t=6.23, p<.001), smoking experience (t=5.33, p<.001), living place (t=5.09, p<.001), ranking of brothers (F=4.19, p<.01), economic situation(F=6.57, p<.001). 2) There is significantly different in the health responsibility according to sex(t=2.31, p<.05), experiencd by disease(t= 1.92, p<.05). 3) There are significantly different in the health interest according to the chronic disease experience of family (t=3.29, p<.001), smoking experience(t=2.71, p<.01). 5. The Correlation of the Health Behavior, the Health Responsibility, the Health Interest and the Health Locus of Control of the Subject. The health behavior showed the positive correlation with the health responsibility (r=.2906, p<.001), and the health responsibility showed the positive correlation with the health interest (r=.0938, p<.01). Also the health behavior showed the positive correlation with powerful others health locus of control (r=.2606, p<.001), and internal health locus of control (r=.2023, p<.001), the health responsibility showed the positive correlation with internal health locus of control (r=.4541, p<.001), and chance health locus of control(r=.1352, p<.001), and the health interest showed the positive correlation with internal health locus of ccntrol (r=.0920, p<.001), powerful others health iocus of control (r=.1907, p<.001 chance health locus of control (r=.1191, p<.01). On the basis of the above result, we can find the fact that the interest of teenagers for their own health is increasing. And so, it is necessary for the school health management to establish the new curriculum which strengthens the health education for the planning of one's desirable health management. Besides we need efforts to develop the standard scale through the analysis of all reasons which influences the tenagers' health status and health behavior.

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An effect of a hair equipment for presenting hair and selection of a product by an interest in appearance during adolescence (청소년기의 외모관심이 헤어연출기기 및 제품선택에 미치는 영향)

  • Ha, Kyung-Yun;Han, Bo-Hyun
    • Journal of Fashion Business
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    • v.15 no.5
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    • pp.15-27
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    • 2011
  • This article was examined that the behavior of which they select hair equipment and a product may be significantly influenced by an interest in appearance during adolescence. This study was presented that according to gender, a girl student has higher confidence in appearance than a boy student, and also the higher the confidence in the girl's appearance, and they use more hair products. Moreover, the boy students are higher in than a girl student in the rate of dependence on hair equipment, so the boy students intend to use hair equipment. Therefore, this study was presented that the gender and an interest in appearance is important variables which influence to hair fashion of adolescence on an equipment and a product during presenting a hair-style, an interest in appearance of adolescence significantly influences on explaining the degree of hair equipment and leverage products as well.

How a Luxury Brand Can Enhance its Product Attractiveness in Retail Environment?

  • Ahn, Sungsook;Lee, Jeonghoon
    • Journal of Distribution Science
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    • v.13 no.12
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    • pp.5-11
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    • 2015
  • Purpose - The purpose of this research is to investigate the influence of social status perception and interest in social issues on the authenticity perceived by consumers of the corporate social responsibility (CSR) activities of premium brands. Research design, data, and methodology - Behavioral experiments were performed to observe the impact of consumers' social status perception and interest in social issues on their perceived authenticity of CSR motivation related to premium brands and consumer behavior. Results - We found that the possibility of social mobility and the degree of individuals' interest in the environment and CSR enable them to reconsider the authenticity of CSR motivation, thereby having positive effects on purchase intention, willingness to recommend the product, and brand value. This research also showed that proactive customers who seek to move up the social ladder have a stronger interest in social issues such as the environment or CSR. Conclusions - Our research suggests that when conducting a consumer segmentation analysis for the launch of CSR products (products released for CSR), a positive mind-set toward social mobility serves as an effective criterion.

Lifestyles and Dietary Behaviors of High School Girls according to Their Interest in Beauty Care in Incheon (인천 지역 여자 고등학생의 외모 가꾸기 관심도에 따른 생활습관과 식행동)

  • Lee, Hyun-Jung;Kim, Mi-Hyun
    • The Korean Journal of Food And Nutrition
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    • v.34 no.5
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    • pp.506-515
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    • 2021
  • This study aimed to investigate the association between interest in beauty care and dietary behaviors of 581 (analysis rate 96.0%) high school girls in Incheon using a survey done in May 2019. Based on the degree of interest in beauty care, subjects were classified as "Beauty care group (n=346)", and "Non-beauty care group (n=235)". The mean age of the subjects was 16.5 years old. The beauty care group had significantly lower BMI than the non-beauty care group (p<0.01). The beauty care group showed a significantly higher interest in weight control than the non-beauty care group (p<0.001). The most time-consuming preschool morning activity in the beauty care group was beauty care, while that of the non-beauty care group was eating breakfast (p<0.001). The beauty care group had significantly higher frequency of exercise than the non-beauty care group (p<0.05). The number of individuals who skipped breakfast was significantly higher in the beauty care group. In addition, the beauty care group had a significantly higher frequency of taking morning snack, convenience food (p<0.01), sweet snacks (p<0.05), and processed beverages (p<0.05) than the non-beauty care group. Our result findings provide important information on the priority groups for nutrition education based on beauty care interest.