Volume 11, Issue-1, December 2022
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Item Reasons for the transition of conventional banks to Islamic banking in Bangladesh: Evidence from balance sheets and factor analyses(International Islamic University Chittagong, 2022-12) Ahmmed, MonirThe study aims to answer the research question of why conventional banks are interested in converting into Islamic banks. The study uses some financial and statistical tools for measuring the financial strength of some selected banks in the scenario of before and after conversion and also measures the perceptions of Bankers and Policymakers that lead to the conversion of the bankers by factor analysis covering the Islamic banks of Bangladesh, which were converted from conventional to Islamic in the era of private commercial banks. The study found a statistically significant difference in performance between the pre-conversion and the post-conversion scenarios of the selected banks based on different financial ratios like Profitability Ratios, Liquidity Ratios, Risk and solvency ratios and Efficiency ratios. However, the results have indicated that higher capitalization, lower credit risk, higher profitability, and significant market share from conversion are the main reasons for converting to the Islamic system rather than religious obligations.Item Examining the behavioral intention toward using smartphone among the university students in Bangladesh(International Islamic University Chittagong, 2022-12) Ahsan, Syed Mohammad HasibThis study endeavors to explore the factors affecting the behavioral intention toward using smartphone by university students in Bangladesh. In this study, “Technology Acceptance Model” (TAM) and “Theory of reasoned action” (TRA) have been integrated to examine the factors that influence attitude as well as an intention toward using smartphone. Factors used in the basic “Technology Acceptance Model” (TAM) include “Perceived Ease of Use” and “Perceived Usefulness”. “Subjective Norm”, deriving from “Theory of Reasoned Action” (TRA), is integrated with the theoretical framework. In this study, a survey is conducted on 428 students of 10 different universities in Bangladesh. Based on a theoretical framework of the study, a questionnaire is adopted from TAM using a seven point Likert’s scale. Statistical techniques such as multicollinearity test, reliability test, construct and discriminant validity, path analysis, and hypothesis testing are used to analyze the primary data. Findings reveal that “Perceived Ease of Use”, “Perceived Usefulness” along with “Subjective Norm” have significant influence on “Attitude toward using smartphone” that directly impact “Behavioral Intention”.Item Effect of market orientation and innovation on business performance: Mediating role of competitive advantage(International Islamic University Chittagong, 2022-12) Ullah, HabibThe goal of this study is to describe how market orientation and innovation help Small and Medium-Sized Enterprises (SMEs) in Bangladesh had improved their marketing performance. To do this, a sample of 350 managers and Operations Managers from SME Enterprises in Bangladesh was chosen by purposive sampling technique and studied using structural equation modeling (SEM). This research shows that SMEs' performance would improve if they identify and meet customer needs. Furthermore, a company's ability to build a competitive advantage based on innovation and market orientation is directly correlated to the degree to which the company places a high priority on its customers. The study also found that market orientation and innovation have substantial direct and indirect implications on business success through competitive advantage. This means that competitive advantage considerably moderates the effect of market orientation and innovation on marketing performance, suggesting that a stronger business performance is associated with improved competitive advantage. For business success, managers must invest in customer orientation and innovation performance.Item The effect of strategic green marketing orientation on customer satisfaction: The mediating role of green corporate image(International Islamic University Chittagong, 2022-12) Alauddin, Md.Green marketing plays a significant role in promoting environment friendly products anddeveloping a positive green image worldwide. This research aims to determine the role of green marketing orientation (GMO) on green corporate image (GCI) and green customer satisfaction (GCS). This research also examines the role of GCI as a mediator in the link between GMO and GCS. Data were collected from two hundred and fifteen clients of hotels in Hong Kong. The data were gathered using survey methods through the convenience sampling technique. The results indicate that green marketing orientation positively influences both green corporate image and green customer satisfaction. Furthermore, the findings demonstrate that GCI serves as a mediator between GMO and GCS. These findings suggest that hotel managers should develop a positive green image by designing the green marketing mix to enhance the level of green customer satisfaction. The research also brings out the significance of the GMO actions that are required for developing GCI and GCS.Item Measurement of the impact of micro-credit programs on poverty alleviation in Bangladesh(International Islamic University Chittagong, 2022-12) Billah, Md. ArifThe main purpose of this study is to measure the impact of micro-credit programs on selected non-government organizations (NGOs) regarding poverty alleviation in Bangladesh using a purposive sample of 1000 credit borrowers. Alongside respondents' perceived change in a poverty situation, this study developed an alternative measure of poverty change based on changes in household wealth and educational attainment. This study found that the perceived change in poverty was 78.1 percent. However, the poverty change index (PI) examination indicates that around 55.6% of the respondents had successfully overcome their poverty. According to the analysis of multinomial logistic regression and two-level binary logistic regression, the amount of loan, various NGOs' performance, satisfaction level, previous loan, and micro-credit as the main instruments of asset and poverty change. Significance variation at the community level was found in this study, which means that respondents from various communities with similar attributes will demonstrat distinct impect on the evolution of the poverty situation. More research should be conducted to identify the causes of this difference to maximize the impact of microcredit.Item Disclosure practices in Bangladesh: A critical review on Islamic insurance companies(International Islamic University Chittagong, 2022-12) Sultana, TaniaThe aim of the study is to analyze the reporting and disclosure practices in Islamic insurance (takaful) companies in Bangladesh. The accounting system is not the same for the both conventional and Islamic insurance companies as the principles and functions of takaful are different from the traditional one. The study included five Islamic insurance companies out of six as the sample organizations by using purposive sampling method. The un-weighted disclosure index (UDI) method has been used to grade the sample organizations on their disclosures in the annual reports for the period from 2015 to 2019. MS excel has been used to analyze the data. Despite their common regulatory rules, some differences have been found in presenting their reports of the sample Islamic insurance companies. According to UDI value, on the whole disclosure status of the selected insurance companies are good. This study found that the deviations in reporting in the selected takaful companies are not insignificant. The increasing trend of disclosure of the takaful companies bears the good indication.