• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.39-46
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• 2020

Playing an important role in developing the economy and overall developments of the country, commercial banks have to be aware of their crucial presence in order to perform well and contribute significantly. At the same time, as a place to receive deposits, banks are required to be in safe situations to avoid bankruptcy or deal with financial crises. This research seeks to identify the determinants of Capital Adequacy Ratio and Banks' performance as well as the relationship between these two dependent variables. The paper uses 128 observations of 16 Vietnamese commercial banks during the period from 2010 to 2017, with two simultaneous dependent variables CAR and ROE, and independent variables including Return on Assets, Tobin Q, Credit growth, GDP growth, Equity to Deposits, Loans to Deposits, Bank size, Cost to Income, Liquidity risk, Provision for Loan loss ratio, Non-performing loans and Inflation. The results reveal that Capital Adequacy Ratio and Banks' Performance have statistically significant relationship and Credit growth, GDP growth, Equity-to-Deposit ratio and Cost-to-Income ratio all have significant effects on two dependent variables. The findings of this study suggest that commercial banks should control the respective elements in order to maintain adequate level of capital and also create effective performance.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제14권5호
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• pp.2275-2293
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• 2020

This paper focuses on the simplified receiver design for multi-user circular block oversampled filter bank (CB-OSFB) uplink systems. Through application of discrete Fourier transform (DFT), the special banded structure and circular properties of the modulation matrix in the frequency domain of each user are derived. By exploiting the newly derived properties, a simplified zero-forcing (ZF) receiver is proposed for multi-user CB-OSFB uplink systems in the multipath channels. In the proposed receiver, the matrix inversion operation of the large dimension multi-user equivalent channel matrix is transformed into DFTs and smaller size matrix inversion operations. Simulation is given to show that the proposed ZF receiver can dramatically reduce the computational complexity while with almost the same symbol error rate as that of the traditional ZF receiver.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.305-314
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• 2020

This paper investigates the impact of profit and loss sharing (PLS) contracts on non-performing financing of Islamic rural banks as Islamic small banks focus on small and medium enterprises at province level across country. Our study employs panel data, consisting of 142 Islamic rural banks and using quarterly data from 2013Q1 to 2018Q4, and splits them based on the bank's size and geographical area. Both static and dynamic panel regressions are then applied. The results obviously indicate that a high proportion of profit and loss sharing contracts leads to high financing risk. The large Islamic banks encounter a higher non-performing financing stemming from profit and loss contracts compared to small Islamic banks. Profit and loss contracts also produce higher financing risk for Islamic banks outside Java, as those areas are less developed areas than Java itself. A more efficient Islamic bank is less financing risk. Income diversification lessens the impaired financing and, more particularly, large Islamic banks and Islamic banks located in Java much benefit by diversifying income and financing to lower financing risk. Our study suggests that Islamic rural banks may consider the optimal level of profit and loss sharing contracts to minimize financing risk.

• Journal of Photoscience
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• 제5권3호
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• pp.131-135
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• 1998

Using differential display reverse transcription technique, the present study attempted to isolate and characterize genes specifically expressed in cotyledons of Pharbitis nil Choisy cv. Violet during floral induction. A total of 107 bands specific to the inductive condition were initially obtained with 80 primer sets of 20 different arbitrary primers combined with 4 kinds of T12MN. In northern blot analysis with reamplified cDNAs as probes, three cDNAs were detected to be expressed specificcally in the induced cotyledon tissues, and designated PnFL-1, PnFL-2 and PnFL-3 , the size of which were 228 bp, 317 bp and 272 bp, respectively. A search for sequences similar to the decuced amino acid sequences was conducted using GenBank and EMBL database ; seequence encoded by PnFL-1 had 29% identity with the clone of Arabidopsis thaliana similiar to reverse trascriptase (Genbank Acc. N0.3047086), PnFL-2 shared 50% identity with hydroxiyproline-rich glycoprotein of Glycine max(GenBank Acc. No.347455), and PnFL-3 had 46% identity with TAMU 4. Thaliana genomic clone T23E16 (GenBank Acc. No.B67574). None of them was known gene in the plant system up to date, implying that the fragments may comprise parts of genes which are associated with the floral induction in Pharbitis nil.

• The Plant Pathology Journal
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• 제23권1호
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• pp.34-36
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• 2007

Introduction of vegetatively propagated Petunia hybrids since 1992 led to increasing virus infections of propagation material. Petunia hybrid 'Surfinia' cultivated for pot-plant showed yellowing symptom along with stunt. Flowers were smaller in size and showed color-break symptom. Tobacco mosaic virus(TMV-pet) was isolated from the diseased petunia. Healthy petunia plants inoculated with TMV-pet induced mottle on leaves and color-break on flowers, and plants were stunted. Nucleotide sequences of coat protein gene amplified from RNA prepared from Nicotiana tabacum cv. Samsun infected with TMV-pet were determined(GenBank accession no. DQ981481). It showed 99.0% nucleotide sequence homology with TMV-potato3-2(GenBank accession no. AF318215) isolated from potato showing yellow mosaic and stunt symptom, and with a TMV Korean strain(GenBank accession no. X68110). This is the first reported observation of TMV from vegetatively propagated petunia in Korea.

• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.297-305
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• 2021

The study aims to investigate loyalty rewards programs on customers' satisfaction in Jordanian banks, and to investigate the statistical differences in loyalty rewards programs and customers' satisfaction according to demographics such as age, sex, education level, duration of engagement with bank, and the type of bank. The study is based on the data obtained from the sample. The questionnaire is the tool for collecting data from the respondents. The study materials include website resources, regular books, journals, and articles. The study population consists customers in the banking sector. The figures indicate that number of actual customers reaches 2.06 million. The sample size requirement is 386 items. Customers are split between traditional and Islamic banks, with 231 and 155 customers respectively. The stratified random sampling technique and the structural equations modeling methodology were used. The results show moderated impact of the loyalty rewards programs on customers' satisfaction. The results show statistical differences in the loyalty rewards programs and customers' satisfaction according to the engagement period with the bank only. The findings suggest better managing the loyalty programs and developing one credit card for all banks in Jordan.

• 한국환경과학회지
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• 제31권4호
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• pp.295-309
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• 2022

The purpose of this study was to evaluate the operational characteristics of wastewater treatment using Sequencing Batch Reactor (SBR) with Aerobic Granular Sludge (AGS) separator in the pilot plant. Pilot plant experiments were conducted using SBR with AGS separator and pollution removal efficiencies were evaluated based on the operational condition and surface properties of AGS. The results of the operation on water quality of the effluent showed that the average concentration of total organic carbon, suspended solids, nitrogen, and phosphorus was 6.89 mg/L, 7.33 mg/L, 7.33 mg/L, and 0.2 mg/L, respectively. All these concentrations complied the effluent standard in Korea. The concentration of mixed liquor suspended solid (MLSS) fluctuated, but the AGS/MLSS ratio was constant at 86.5±1.3%. Although the AGS/MLSS ratio was constant, sludge volume index improved. These results suggested that the particle discharged fine sludge and increased the AGS praticle size in the AGS. Optical microscopy revealed the presence of dense AGS at the end of the operation, and particles of > 0.6 mm were found. Compared to those of belt-type AGS separator, the required area and power consumption of the hydrocyclone-type AGS separator were reduced by 27.5% and 83.8%, respectively.

• 한국환경과학회지
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• 제30권12호
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• pp.1081-1092
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• 2021

In this study, the effect on the stability of Aerobic Granular Sludge (AGS) caused by an AGS separator was investigated. The AGS separator was a hydrocyclone. The main factors of the AGS separator were filter pore size (0.125~0.600 mm), conical-to-cylindrical ratio (1.5~3.0), and operating time (1~20 min). The AGS/mixed liquor suspended solid (MLSS) ratio gradually increased to 0.500 mm (AGS/MLSS: 84.3±3.0%). AGS was best separated at the conical-to-cylindrical ratio of 2.5 (AGS/MLSS: 84.7±3.3%). As the operating time increased, the AGS separation performance also tended to increase. The shortest AGS separator run time, but the highest AGS separation performance was 10 min (87.0±2.5%). AGS stability was evaluated by operating the selected AGS separator and sequencing batch reactor. The average removal efficiencies of TOC, TCOD_Cr, SS, TN, and TP were 95.7%, 96.9%, 93.0%, 89.0%, and 96.2%, respectively, which met the effluent standards in Korea. In addition, the AGS/MLSS ratio tended to remain constant, and the sludge volume index demonstrated a tendency to decrease from 140 mL/g to 70 mL/g. During the operation, the particles of AGS in optical microscope observations gradually increased.

• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.195-201
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• 2023

Since the banking industry relies so heavily on strong customer-staff interactions, measuring employee job satisfaction has become a critical problem. To achieve benefits for both individuals and organizations, it is crucial to foster and ensure employee job satisfaction. The main objective of this study is to determine the influencing factors of employees' job satisfaction in commercial banks in Bangladesh. This study focused on some significant factors such as employee empowerment, job security, management support, and attractive compensation in an organization. In terms of research purpose, non-probability convenience sampling has been used, and the study is quantitative in nature. For data collection purposes, an online survey questionnaire was prepared based on previously published articles. The targeted population was the bank employees of commercial banks in Bangladesh where the final sample size was n = 200. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study also shows that employee empowerment, job security, management support, and attractive compensation have positive and significant effects on employees' job satisfaction at the workplace. Finally, this study has offered some extraordinary directions and implications for future research on commercial bank authorities in Bangladesh.

• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.91-97
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• 2023

In the current era of globalization, financial and banking organizations have been facing ever-growing challenges in the global market regarding retention, customer satisfaction, commitment, engagement, proper services, and the belief of their employees. Employees are regarded as an enormous asset for every organization that plays an important role in achieving the vision of the company. The objective of this study is to explore the determinants of bank employee retention and its impact on an organization in the context of Bangladesh. In terms of research purpose, non-probability convenience sampling has been used in this study, and the targeted population was the commercial bank employees of Bangladesh. In terms of data collection, the researchers have used the adopted questionnaires from previous studies. In this study, the total sample size was 180, and a questionnaire was sent to the respondents through e-mails. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study shows that there were four independent variables training and development, organizational culture, job satisfaction, and career development have a positive and significant impact on employee retention. So, the bank management should organize the retention program for the welfare of the employees.