American Research Journal of Business and Management

Dr. Joseph Femi Adebisi, Phd, FCNA, ACTI, MNIM, MACFEI1, Okike Benjamin Matthew, Bsc. M. Sc., CNA2

The study considered the impact of non-performing loans on firms’ profitability of banks in Nigeria. The increased incidence of non-performing loans (NPL) in Nigerian bank generated the current literature on quality of banks profitability. Though there have been reforms in the banking industry to ensure effective financial institutions, the banks shareholders funds are affected by the non-performing loans. This study made use of secondary data obtained from the Annual Report and Statement of Accounts of the NDIC for a period of seven (7) years (2006- 2012). Data were analyzed using the regression statistical tools. The first result revealed that there is no relationship between the Non-performing Loans (NPL) and Return on Assets (ROA) of Nigerian Banks. This means that the asset values of the firms are not affected by the level of NPL. The shareholders wealth maximization is affected as second result showed that there is a relationship between the Non-performing Loan (NPL) and Return on Equity (ROE) of Nigerian Banks. It is recommended that the banks should ensure that the banks customer has viable means of repaying the loan, which should be monitored to ensure efficiency.   

Abhishek Singh1, Dipankar Dey2, Sukanta Chandra Swain 3 

When the number of subscribers in telecom sector in India has reached its saturation point, creating and acquiring new customers is not only difficult but also costly in terms of marketing parlance. Hence, the best core marketing strategy for the future is to endeavor to retain existing customers. The competition is fierce and subscribers limited, hence, the need to safeguard existing invaluable customer base. Sustainability of today’s Telecom business is majorly dependent on way the service provider handles and ring-fences its customers. Knowing your customer is at the core of the business. Thus developing customer retention strategies has been turned to be the need of hour. However, amidst cut-throat competition and saturating customer base, developing strategies to retain customers is undoubtedly a tough task. Considering the urge, we have tried to devise a framework for studying customer behavior in Indian telecom sector, particularly in the telecom zone of Bihar state, for the sake of developing customer retention strategies. The framework will facilitate research for understanding its customers and the factors in and around the customer which will trigger a specific action from him/her. It does not stop in only seeing the customer from the product and service proposition from the operator side but also understanding factors beyond like Age, Sex, Economic condition, geography, education etc.  

Dr. Vinay Kant1, Mr.Surya Prakash Yadav2 

The Port of Kandla is located on the Gulf of Kutch on the northwestern coast of India some 256 nautical miles southeast of the Port of Karachi in Pakistan and over 430 nautical miles north-northwest of the Port of Mumbai (Bombay). It is the largest port of India by volume of cargo handled. Kandla history kandla Port Trust, India's busiest major port in recent years, is gearing to add substantial cargo handling capacity with private sector participation. The west coast port handled 72.225 million tonnes of cargo in 2012-13, over 11 per cent more than 64.920 million tonnes handled in 2011-12. Even as much of this growth has come from handling of crude oil imports, mainly for Essar Oil's Vadinar refinery in Gujarat, the port is also taking measures to boost non-POL cargo. Last fiscal, POL traffic accounted for 63 per cent of the total cargo handled at Kandla Port, as against 59 per cent in 2011-12. 

Faisal Alsalamah

Computer programs and services are delivered online through the ever-present Internet from mega data centers are collectively referred to as „cloud computing‟. The emergence of this form of computing has important implications for commercial and government organizations with security and data privacy being major concerns. Despite, one important caveat is that many of the attractive features of cloud computing can be at variance with the traditional models of security and control systems associated with conventional „desktop computing‟. In this paper, a brief overview of cloud services is provided together with an analysis and discussion of the inherent security risks associated with this form of computing. In particular, six of the main potential threats to cloud computing have been considered, namely data breaches, data loss, insecure interfaces and Application Programming Interfaces (APIs), denial of service, account hijacking, and potential abuse of cloud services. These threats, the role that technology can play in combating them, and the safeguards implemented to prevent violation of cloud computing systems are highlighted. In addition, the methods available to control these risks are discussed together with the measures that organizations can implement to prepare for cloud outages. 

Miin-Yu Peng

The paper first analyze the loan concentration of Taiwan industries between year 1990 to 2014. The high five industries are orderly as finance, shipping, tourism, semi-conductive and steel, respectively. However, DRAM, LED, LCD and Solar are the four supporting industries in Taiwan. Yet, they were in financial crisis through the change of domestic and foreign economic environment. The government try to rescue these industries, it will lead to the high loan concentration. Not only affect the business performance, but also increase the non-performing loans. In empirical study, the paper apply panel data regression model with fixed effect to discuss the relationship of loan concentration on return of asset(ROA). The results show that the coefficient of loan concentration is negative. Which implies that the high loan concentration will decrease the ROA of industries and banking. 

Faisal Alsalamah 

In this work we are going to analyze the data collected from three services environment cultures which in our case are the airlines: United airlines, Hawaiian airlines and Delta airlines. We have selected airlines organizations to conduct participant observation and ethnographic methods to collect "moments of truth" data. The data collected in our team's observations will be used to describe and analyze the cultural values apparent in the organization. However, we have selected three different airlines to be under our observation for several times. Nowadays consumers, employees and investors are more aware than ever of the activities going on in the business sector. Organizations may need to have specific organizational structures. Organizational culture is defined as the field of study that explores the impact that people, groups and structure have on the behaviors inside an organization. The main aim of applying such knowledge is to improve the effectiveness of organization. Therefore, managing organizational culture is indispensable for every modern day organization for it to sustain its dynamic existence and compete effectively with other organizations of its era. An organization’s ability to change is often a make-or-break proposition in today’s competitive marketplace. The three service environments have their own cultural values prevalent and this report aims at analyzing them to see which service environment got the right combination. 

Muhammad Nadeem1, Ammar Ahmed

The objective of this paper is to investigate the impact of foreign direct investment (FDI) on gross domestic product (GDP) in Pakistan from 2006 to 2010. The growth of gross domestic product (GDP) is also measured in this study. Multiple regression model is used to measure the association among gross domestic product (GDP,) foreign direct investment and Inflation. FDI and inflation (CPI) are independent variables and GDP is dependent variable. There is positive and significant connection between GDP and FDI but a negative and significant relationship found between GDP and inflation. 

Matyushenko Igor (Ph.D.)1, Moiseienko Yuri (Postgraduate) 2, Khanova Elena (Ph.D.) 3

Convergence and integration of nano-bio-info-cogno-technologies considerably influence the capabilities of creating nano-bio-economics in any country and qualitatively change the directions of those technologies application. The article deals with the comprehensive research in the sphere of sensor systems using NBIC-technologies to solve medical-environmental problems, which was performed by National Academy of Science of Ukraine (NASU) during 2003-2013. The article demonstrates that in the course of implementing the comprehensive scientific-technical program “Sensor systems for medical-environmental and industrial technologic needs” in 2010-2012, a number of appliances for medical-environmental and industrial purposes was developed that undergo testing in real-life conditions. The article also presents the main prospective research directions in the sphere of creating sensor systems for medical-environmental and industrial-technologic needs in Ukraine till 2017, including also design of metrological support and research operation of working experimental appliances’ samples ready for practical use to perform express analysis in bio-technology, medicine, ecology and when managing industrial technological processes. 

Hasnain Manzoor

This study examines the reaction of stock returns in relation to earnings dividend information releases using data on the Karachi Stock Exchange. Using the event study method, the speed of reaction of the market to annual earnings information releases for a sample of 114 firms listed on the Karachi Stock Exchange. Significant abnormal price reactions around earnings announcements suggest the earnings announcements contain value relevant information. Event window of 41 days, 20 days before and 20 days after the announcement is used. Event day is represented by (0). Estimation window is used 230 days before the event window. Findings indicate that changes in stock prices in Pakistan in relation to earnings and dividend announcements is not random, but follow the pattern, which allows the negative abnormal returns can be earned from trading around earnings and dividend announcement date. Analyses also concludes that positive and negative earning information disclosure are unable to influence the stock market efficiency, and therefore cannot fully reflect the changes on the stock price, investors can get the abnormal returns by using this earning information during whole event window. Finally, Karachi Stock Market reacts inefficiently on the release of information of earnings and dividends announcements. 

Haliza Mohd Said1, Mohamed KhamisAbukraa2, Roslan Mohd Rose3 

Job satisfaction has been an important topic in organizational researches; it is one of the most broadly researched subject in industrial/organizational psychology, due to its many effects on the overall organizational effectiveness. Employee’s job satisfaction is a good indicator of the organizational effectiveness, and it is influenced by organizational and dispositional factors. There are many factors that can influence employee level of job satisfaction; personality is one of the many factors that suggested being as a source of job satisfaction since that some individuals are a subject to negative affectivity, while others are predisposed to a positive affectivity.However, the extent of the association has not been investigated comprehensively in the context of the Libyan oil and gas company. Therefore, the purpose of this study aims to examinethe effect of personality dimensions on job satisfaction of employees in Libyan oil and gas company. A cross-sectional design was used to address the research objective. The sample consisted of 200 employees working at the company main office in Tripoli. The collected data were analyzed using correlation coefficient and regression analysis. The result shows that the personality dimensions of openness to experience, conscientiousness, extraversion, agreeableness and neuroticism of employees in the company had significant positive relationships with their job satisfaction.