The Experts below are selected from a list of 10413 Experts worldwide ranked by ideXlab platform

Ho-ming Yeh - One of the best experts on this subject based on the ideXlab platform.

Aigbe Akhigbe - One of the best experts on this subject based on the ideXlab platform.

  • Is There Excess Capacity in Rural Banking Markets
    The Financial Review, 1998
    Co-Authors: James E. Mcnulty, Aigbe Akhigbe
    Abstract:

    The literature indicates that it is difficult to identify and quantify the degree of excess capacity in banking. Economic theory indicates that there are at least three indicators of excess capacity in banking: (a) low loan-to-asset ratios, (b) low profitability, and (c) high per unit Operating Expense relative to some norm. If excess capacity exists, it will be easiest to identify, through these indicators, at small rural banks. This paper finds significant evidence of excess capacity at rural Colorado banks using univariate analysis; simultaneous equations analysis reinforces this conclusion. It appears that the "excess capacity effect" outweighs the "market power effect" in these rural banking markets. Copyright 1998 by MIT Press.

Faisal Faisal - One of the best experts on this subject based on the ideXlab platform.

  • ANALISIS PENGARUH STRUKTUR MODALTERHADAP PROFITABILITASBANK SYARIAH
    2016
    Co-Authors: Ammar Nashir, Faisal Faisal
    Abstract:

    This research aims to analyze the influence of consumer and short-term funds, Capital Ratio, risk, Operating Expense, and Size toward profitability of Islamic Banks in Indonesia which was proxied by Return on Assets (ROA). The data used in this research were obtained from Financial Report of Islamic Banks annually publication through each website. The sampling technique was purposive sampling with Islamic Banks that published annually financial report periodically during the observation period of 2010-2014 as criteria. Data was analized using Ordinary Least Square (OLS). The result of this research show that the independent variables significantly affect ROA. While capital ratio, consumer and short-term funds, and size do not affect ROA. Furthermore risk and Operating Expense affect negatively on ROA.

  • Analisis Agency Cost, Struktur Kepemilikan dan Mekanisme Corporate Governance
    International Journal of Approximate Reasoning, 2005
    Co-Authors: Faisal Faisal
    Abstract:

    This paper examines the relationship between ownership structure, corporate governance and agency costs measured in terms of asset utilization and Operating Expense. This paper based on the previous research by Ang et al. (1999) and Singh et al. (2003). I utilize a sample of 96 firms from Jakarta Stock Exchange for periods of 1999-2001. Univariate results show that firms with  high managerial ownership are more efficient in their asset utilization than firms with low managerial ownership, but the difference is insignificant. Firms with high institutional ownership and large size of boards are significantly more efficient than low those of  institututional ownership and small size of boards. Multivariate results fail to confirm that managerial and institutional ownership  have potential  effect to agency costs (asset utilization and Operating Expense). However, I  find there is a positive relationship between board size and asset utilization and negative relationship to Operating Expense. This evidence is consistent with the notion that large boards are  effective to monitor firm performance.

James E. Mcnulty - One of the best experts on this subject based on the ideXlab platform.

  • Is There Excess Capacity in Rural Banking Markets
    The Financial Review, 1998
    Co-Authors: James E. Mcnulty, Aigbe Akhigbe
    Abstract:

    The literature indicates that it is difficult to identify and quantify the degree of excess capacity in banking. Economic theory indicates that there are at least three indicators of excess capacity in banking: (a) low loan-to-asset ratios, (b) low profitability, and (c) high per unit Operating Expense relative to some norm. If excess capacity exists, it will be easiest to identify, through these indicators, at small rural banks. This paper finds significant evidence of excess capacity at rural Colorado banks using univariate analysis; simultaneous equations analysis reinforces this conclusion. It appears that the "excess capacity effect" outweighs the "market power effect" in these rural banking markets. Copyright 1998 by MIT Press.

Joseph L. Katz - One of the best experts on this subject based on the ideXlab platform.

  • Firm size and the information technology investment intensity of life insurers
    MIS Quarterly, 1991
    Co-Authors: Sidney E. Harris, Joseph L. Katz
    Abstract:

    This article is organized around two research questions: (1) do small insurers exhibit a higher degree of information technology investment intensity (i.e., the ratio of information technology Expense to total Operating Expense) than large insurers? and (2) to what extent dos the level of spending on information technology explain the degree of information technology investment intensity? The article offers an interpretation of the dependent and independent variables and uses data obtained from the life insurance industry. The findings on the whole indicate that small insurers spend a larger proportion of their Operating Expenses on information technology than do large insurers. Given the conditions prevailing in the life insurance industry, this means that large firms were not leaders in realizing the full potential of the economic benefits available. Contrary to expectations, spending more on information technology does not lead to a higher ratio of information technology Expense to total Operating Expense. This finding is consistent with the observation by several academics and practitioners that how the technology is used and managed is of equal if not more important consideration than the level of spending.