Socio-Economic Factors Affecting the Perception of Women Entrepreneurs towards Bank Loan: A Study on Rajshahi City

Karmakar, Anima; Habib, Sadia Nur; Ahmed, Atia

doi:10.18034/abr.v8i3.161

Cited by 3 publications

(3 citation statements)

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“…Women faced numerous barriers to loan taking, including discrimination based on gender, education, and employment. [13] Multiple research works have been conducted on the stability of the banks, financial health position, and liquidity in Bangladesh during the pandemic period of COVID-19. Still, little research has yet been conducted to quantify the impact of the Russia-Ukraine war and COVID-19 on the banks' profitability, efficiency, and default risk and make a comparison among the performance of conventional, IslamiShariah and state-owned banks before the pandemic and during the pandemic situation.…”

Section: Discussionmentioning

confidence: 99%

Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh

Banu,

Karmakar,

Afrin

et al. 2024

IJEFM

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Purpose-The Russia-Ukraine conflict and 19 pandemics have severely damaged the world economy. Banking institutions are crucial to the functioning of any economy, and their financial standing is a vital indicator of the economy's stability. Any major development, be it political or economic, has an impact on the banking industry. The dollar rate's volatility and other issues hurt the GDP. Therefore, the study examines banking performance in vulnerable global situations before and during the pandemic. This study utilizes 7 years of panel data to analyze global financial crisis banking performance. Design/methodology- Eight ratios were used to compare the banks' profitability, efficiency, liquidity position, and default risk: return on asset, asset utilization ratio, operational efficiency ratio, debt to asset ratio, loan to deposit ratio, loan to asset ratio, credit risk, and bank size. The descriptive statistics show lower ROA and AUR values for banks, but a lower CR value suggests that pandemic-era borrowers will repay their loans on time. Findings – Due to their reliance on borrowed capital, banks may be more vulnerable to default and financial leverage since they lack the liquidity to meet unforeseen requirements for funds. This is indicated by the higher mean values of DAR, LDR, and LAR. Ratio analysis shows that pre-pandemic banks profited well throughout the pandemic. State-owned banks have a worse position in profitability, efficiency, and default risk but a better position in liquidity in both study periods. Conventional banks placed first in profitability, but Islamishariah-based banks placed first in efficiency, high liquidity risk, and low default risk. Originality –This study will help bank officials find the flaw and prevent it from improving financial performance and recovering from the global crisis. This may assist bank investors and depositors in choosing wisely.

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Section: Discussionmentioning

confidence: 99%

Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh

Banu,

Karmakar,

Afrin

et al. 2024

IJEFM

Self Cite

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“…In addition, religious opinions, gender-based biases, educational conditions, and family attitudes limit their chances of obtaining credit. (Karmakar, Habib, & Ahmed, 2018).…”

Section: Literature Reviewmentioning

confidence: 99%

Uncovering the Extent of Social Responsibility of Private Commercial Banks: A Comparative Study on CSR Activities during COVID Pandemic

2022

EJBM

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The true meaning of CSR established when organizations contribute to society both in normal and crisis times where CSR; corporate social responsibilities reflect responsibility and commitment of social wellbeing from organizations to society. Bonding strong relationships with stakeholders, capturing customer loyalty, attracting investors, and holding the responsibilities for society, CSR plays a unique role. People across the world are trapped in the corona pandemic where an enormous loss hit almost every sector and the economy also thundered for a time being. The study focused on CSR initiatives and the dynamism of 43 scheduled Private Commercial Banks (PCBs) in the advent of the COVID-19 pandemic from the banking industry. Published secondary data has been used to perform a comparative analysis on the CSR components to extract the mechanisms of CSR activities and finding the extent the banks have accomplished the policy guideline of Bangladesh bank. The study considered the CSR activities of ten banks from 2018-2021where Islami Bank Bangladesh Limited (IBBL) and Dutch-Bangla Bank Limited discovered as the highest supplier of CSR funds for 2018-2019 while in 2020-2022, during the COVID, the uppermost contributors were IBBL and EXIM Bank. This study reveals before or after the COVID pandemic, PCBs prioritize disaster-management sectors for their CSR activities while focusing less on environmental, cultural, infrastructure, and income-generating activities. Despite the significance of a state's health-sector, the study didn't observe as much COVID contribution as expected. However, the contribution from CSR has been gradually increasing since the COVID pandemic broke out.

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“…The income per day, savings per day, and the consumption pattern show the basic socioeconomic conditions of the people (Lashari & Mohyuddin, 2012;Chowdhury, 2016;Khanum, 2013;Karmakar et al, 2018). The income, saving, and consumption pattern of flood victims is an important indicator to assess the socio-economic conditions of flood victims.…”

Section: Comparison Of Personal Security For Flood Victims Before and After The Floodmentioning

confidence: 99%

Socio-economic Conditions of Flood Affected People of Northern Districts in Bangladesh

Faruque

2021

ABC j. adv. res.

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In 2017, the death toll from floods sweeping in northern areas of Bangladesh has climbed above 150. In Dinajpur, Rangpur, Lalmonirhat, Kurigram and Thakurgaon more than 57.18 lakh people have been affected by flood and 6.11 lakh hectares of land damaged by floods in 32 districts Flood is an important natural disaster that deeply destroys the infrastructure and socio-economic conditions of the area. After the flood, the flood victims are feeling very unlucky. Their crops are totally destroyed. They are uncertain about their future. They do not know what would be happened in tomorrow. This study is conducted to find out the real situations of the flood victims of the said areas. The primary objective of this study is to provide a review of the socio-economic conditions of flood-affected people of northern districts in Bangladesh. To develop the paper, primary as well as secondary data is used. The quantitative, as well as qualitative analysis, is conducted for the study. Primary data is collected through a set of well-structured questionnaires. To collect the primary data, a personal survey method is used. Computerized modern technology is applied in the coding, tabulating, and processing of data. The victims are asked for their perceptions of life. It reveals that no victim is extremely pleased with their life before and after the flood, and 35% of victims were pleased before the flood, but after the flood, that rate is reduced to 8%. On the other hand, 5% of victims were extremely displeased, but after the flood that is increased to 17%. Floods have huge consequences on people, economics, and the environment. Flooding of regions used for socioeconomic activities produces a variety of negative effects. The government has various programs for food, housing, medical, and education but that is not enough. It is very little than the affected people. Providing adequate support for flood-affected people and preventing floodwaters can save the people of the river basin. It is also revealed that, by solving some problems locally, some nationally, and some internationally, it is possible to fill the lives of flood-affected people with laughter and joy.

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Socio-Economic Factors Affecting the Perception of Women Entrepreneurs towards Bank Loan: A Study on Rajshahi City

Cited by 3 publications

References 12 publications

Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh

Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh

Uncovering the Extent of Social Responsibility of Private Commercial Banks: A Comparative Study on CSR Activities during COVID Pandemic

Socio-economic Conditions of Flood Affected People of Northern Districts in Bangladesh

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