This study investigates the employees' job satisfaction of general insurance companies in Bangladesh. A questionnaire was utilized to collect primary data from both public and private general insurance companies. The first part of the questionnaire comprises of the demographic profile of the respondents and the last part indicates the key measuring variables on a Likert scale ranging from 5 (strongly agree) to 1 (strongly disagree) of job satisfaction. The total number of respondents for this study was 385. 74.80 percent of the total respondents have taken from the private general insurance companies, and the remaining percentage from the public general insurance company. 70 percent of the total respondents were male respondents, and 30 percent of the total respondents were female respondents. Factor analysis and correlation matrix have been conducted to analyze the collected data. This study postulates that employees of general insurance companies have positive as well as negative feelings. Three factors reflect positive feelings toward their jobs. These factors are pay and promotional potential, the well-organized chain of command and general working condition. On the other hand, two factors are responsible for negative feelings. These factors are poor team spirit and poor job security. This paper also advocates some recommendations to maximize the positive feelings and to minimize the negative. The proper higher authority should ensure participating decision method to take any decision, the fair delegation, and direct relationship with sub-ordinates to enhance the team spirit for minimizing the dissatisfaction of the employees and should ensure the job security of the employees to get their best effort to achieve the organizational goal.
The severe repercussions of the global climate catastrophe are being felt all across the world. Each industrialized and developing country must take action in response to the consequences of global climate change that endanger life on our planet. This study looks into how green finance has affected Bangladeshi private commercial banks' financial performance. For eight years, from 2014 to 2021, all private commercial banks are surveyed quarterly for secondary data. The performance of the banks is evaluated using return on assets, return on equity, net interest margin, and net non-performing loan to total loan ratios, whereas green finance is used as an independent variable. The study uses linear regression and questionnaire analysis to deter- mine the impact of green finance on a bank’s financial performance. According to the study, at a 10% significance level, green finance has a negligible positive effect on return on assets but a significant positive impact on return on equity, net interest mar- gin, and net non-performing loans to total loan ratio. The questionnaire analysis also demonstrates green finance's significant impact on banks’ performance. This study can be used as a starting point for policy discussions with practitioners, governments, decision-makers, academics, and future researchers.
Finance comprises mainly three decisions, namely investment decisions, financing decisions, and dividend decisions. Every decision is significant to maximize shareholders’ value. Among these three decisions, financing decisions determine the proportion of debt and equity capital in the capital structure. The importance of financing decisions is enormous in the business world. A firm cannot reach its ultimate goal of wealth maximization if it undertakes a wrong financial decision. Thus, this paper examines the comparative cost of two sources of financing, namely lease and loan to determine the best sources at different tax rates and interest rates. It is a case-based analysis where six lease contacts are examined. Data collection is the most troublesome step in this research. The prevailing interest rate, loan amount, and conditions of the loan collected from the lessee are based on high confidentiality. After analyzing six cases the research finds that the present value of cash outflow of lease is less than that of the loan at different interest rates and tax rates in Bangladesh. The study also reveals that tax, cost of capital, duration, present value of cash flow differences, and additional payment of lease and loan significantly impact the present value of cash outflow of leases and loans. Moreover, lease financing has some other benefits compared to loans. Thus firms should give more attention to lease financing as a source of financing.
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