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Empirical examination of macro-economic factors on credit risk determinant of commercial banks in Jordan.
Get PDFThe high volume of risks facing banks is one of the most important reasons behind their failure. After the financial crisis of 2008, the concern toward credit risk management took a new level. The credit risk management behavior and decisions tend to increase the credit risk level. Consequently, appropriate amount of information may enhance the management perception about the effect of some factors on credit risk. The relationship between macroeconomic factors and credit risk increased incredibly especially after the financial crisis. So, it is important to understand the mechanism of macroeconomic factors and how they relate to the management behaviour to decrease credit risk. This study investigated the existence of a relationship between some of the macroeconomic factors as independent variables and the bank’s credit risk in Jordan. The dependent variable is credit risk, which is measured by the non-performing loans (NPL) to total loans ratio. This research used three theories including financial acceleration theory, agency theory, and information asymmetry theory. The sample of the study is 16 Jordanian banks listed on the Amman stock exchange from 2008 to 2019. To test the hypotheses of the current study, a random effect model using STATA software was employed. The result showed that foreign direct investment (FDI) and the output gap affected credit risk significantly and negatively. The result specified that as remittance (REMIT) grows, credit risk considerably accelerated, and the same effect was also recognised for public debt (DEBT). The outcomes revealed an important influence of tax on personal income (TAXINC). The findings of the current study have implications for investors, regulators, and market participants by affording a considerable indication that the macroeconomic factors are related to credit risk and thus, can explain the phenomenon of NPLs
Determinants of intention to use Generalized Audit Software (GAS) among accounting academics at Malaysian polytechnic
Get PDFDigital age has transform not only individual lifestyle but also how corporation run their business. Transaction records mostly keep in digital form, consequently traditional audit procedure not relevant anymore and thus increasing the demand for the skills in audit technology like generalized audit software (GAS) in the industry. Consequently, accounting professional bodies, government, industry and scholar urge higher education institution to integrate digital technology into accounting education. However, there are no information related to accounting academic competency and their adoption behavior in regard of GAS. Therefore, the present study examine the determinants of intention to use GAS among accounting academics at Malaysian Polytechnic using technology readiness and acceptance model (TRAM). The online questionnaire using google forms were sent out to 16 Malaysian Polytechnic in which 117 out of 270 responds were received. The data gathered was analyzed using partial least squares-structural equation modelling (PLS-SEM) approach. The results suggest that both technology acceptance model (TAM) constructs have positive significant relationship with intention to use GAS, and technology readiness also has similar relationship with perceived ease of use. It also reveal that perceived ease of use mediated the relationship between technology readiness and intention to use GAS. Interestingly, contradict to prior study, there are no relationship between technology readiness and perceived usefulness. Perceived usefulness also not mediated the relationship between technology readiness and intention to use GAS. The present study might contribute to Malaysian Department of Polytechnic and Community College in planning and organised activities to upskilling their staffs and boosting the employability of accounting graduates. Future research may extend this study by investigating another external variables such as organizational culture and social influence
An assessment of well-being index for Iskandar Malaysia
Get PDFThis study investigates the importance in distinguishing residents’ expectation, aspiration, and perception resulted from the establishment of Iskandar Malaysia. The success of Iskandar Malaysia shall not only be measured by just a numbers game but rather through alleviating the level of well-being, ability to address fair and equitable distribution of wealth among the residents. To ensure a maximum outcome resulted from the usage of public fund and resources, this study act as an added value and must be supported with a strategic measurement and performance indicator originating from the residents’ aspiration and expectation. A qualitative research with a period of two months was conducted from 23rd February till 30th April 2021 involving a total of 2,500 respondents to unleash the most important dimension among the twelve dimensions listed from the residents’ perception and aspiration. It is becoming increasingly difficult to ignore the outcome from this study which will reveal the actual weightage assigned for each dimension and ultimately to access changes in well-being index for Iskandar Malaysia by using the actual weightage. The analysis reveals that income and economic distribution, housing and health are among the top three dimension and components rated with the highest weightage as compared with the other nine components. The results of the analysis suggest that income and economic distribution have been assigned the actual weightage with a value of 1, while housing is represented with a value of 0.92 and health is represented with a value of 0.83. Through the analysis of existing literature and information based on previous trend and pattern, it can beconcluded that with the adaptation of actual weightage, the Iskandar Malaysia wellbeing index is now serves as a reality check reflected through participatory approach and is dynamically evolve in accordance with the aspiration and expectation of thenresidents
Relationship between despotic leadership, psychological contract breach, perception of injustice and work engagement: the mediating role of perception of job insecurity
No full textThe global financial crisis has triggered an economic recession with a significant impact on human resources. Pakistani banking institutions are not exempted from such business consequences. In this context, a study was conducted on six big banks in Pakistan with significant contributions to economic activities. The study aims to examine the effect of despotic leadership, perception of injustice, and psychological contract breach on employees’ work engagement. The mediating role of job insecurity perception on these relationships is also investigated. Data collected from 625 employees using the judgmental sampling technique were analyzed using Structural Equation Modeling (SEM) technique in AMOS 24.0 software. The results revealed that despotic leadership, perception of injustice, and psychological contract breach negatively influenced the employees’ work engagement. Besides, the perception of job insecurity partially mediates these relationships. The study concentrates on the psychological process of employees to cope with the stressful environment created by despotic leaders, injustice, and breaches in the organization using the lens of conservation of resources. The study also empirically supports the conservation of resource (COR) theory and enriches the body of knowledge by integrating leaders’ behaviors and employee perceptions and outcomes based on these perceptions. Through mediation analysis, the study has provided a mechanism to identify the effects of despotic leadership on work engagement. The study has practical implications for the Human Resources (HR) departments in decision-making about leadership orientations or training their leaders. HR departments should effectively review their recruitment policies, procedures and performance appraisals to establish better work engagement
The role of managerial-level, firm-level and institutional factors in opportunity recognition of cross-border business: The case of transnational immigrant entrepreneurs in Malaysia
No full textImmigrant entrepreneurship is becoming increasingly important for economic growth and regional development. Consequently, the increasingly rapid developments in the field of immigrant entrepreneurs have led to the discovery of a new subset named transnational immigrant entrepreneurs. However, no specific research has been done about factors driving transnational immigrant entrepreneurs to establish a cross - border businesses, particularly in Malaysia. Therefore, this research seeks to fill the gap to capture the multifaceted and multilevel nature of transnational immigrant entrepreneurship by investigating How and why do transnational immigrant entrepreneurs establish a cross - border businesses in Malaysia. A framework includes research on the managerial level, firm level, institutional factors, and opportunity recognition by integrating born global theory, social network theory, resource-based view, and institutional theory to explain the holistic point of view of the framework. This research employed a qualitative phenomenological approach by using individuals as the primary unit of analysis by interviewing nine transnational immigrant entrepreneurs. This study employed NVivo software in the systematic coding and analysis of the interviews resulting in sixteen key themes. The findings have confirmed six themes: foreign language, knowledge of employees, desirable product, social ties, ethnic ties, and kinship. In addition, ten newly found themes were revealed: prior working experience, host country language, unique product, customer capital, government capital, awareness of legal administration and regulatory policies, discrimination, conflict, identity work, and migration experience. Consequently, the revisited framework has been restructured to capture the newly found themes, which could be seen as a humble contribution to the body of knowledge. Finally, the findings highlighted the major theoretical and practical implications, recommendations, limitations, and directions for future studies
Factors influencing women’s job performance in life insurance industry
Get PDFThe purpose of this study is to identify factors influencing employee job performance in Life Insurance Industry. The employee job performance can be measured in the aspect of work family conflict, job stress and supervisor support. The survey method was used to collect data through the use of questionnaire to the employees at Life Insurance Industry specifically at MCIS Life insurance, AmMetLife, Manulife, Tokio Marine Life and Prudential. 330 questionnaires were distributed and all was successfully collected from the respondents. All the data was gathered and analysed using Statistical Package for Social Science (SPSS) 23.0 version using descriptive and inferential statistical analyses. Multiple regression analysis was used to examine the relationship between work family conflict, job stress, supervisor support and employee job performance at Life Insurance Industry. The result of this study shows that only two independent variables have significant relationship with employee job performance, which are job stress and supervisor support. This study has played an important role in identifying the potential factors that could influence employee job performance at Life Insurance Industry and propose several alternatives to enhance employee job performance
The effectiveness of Personal Protective Equipment (PPE) in preventing Covid-19 infection among Healthcare Workers (HCW) – An exploratory study
No full textCoronavirus Disease 2019 (Covid-19) has brought occupational health risks to a line of health workers globally. Till date, many hcws have been infected with Covid-19 as a result of exposure while on duty. Various efforts have been taken to prevent contagion or infection from continuing to occur. It is a priority to explore the effectiveness of PPE in preventing Covid-19 infection among healthcare workers. The study aims to listed related issue towards the application of PPE at workplace during Covid-19 pandemic and explain the effectiveness of PPE in preventing Covid-19 infection among healthcare workers. Data for this study was collected through semistructured interviews conducting during data collection process. Covid-19-infected hcws was identified from UKA and those infected due to workplace exposure. The approach in this study is through qualitative approaches. The qualitative approaches were carried out through interviewed with 16 respondents to obtain information and views related to effectiveness of PPE in preventing Covid-19 infection among healthcare workers. Each conversation was voice recorded and each recording was transcribed and analysed manually using coding process. Most of the participants agreed that appropriate PPE is sufficient to prevent infection of Covid-19 among hcws. It is necessary to establish a system that provides a stable supply of PPE for hcws to perform their duties. Most of the participants mentioned that the effectiveness used of PPE was for a short period of time. The use of PPE recommended by MOH and adherence to established sops can lower the risk of infection and increase the effectiveness of PPE used. Recommended checklist observation on provided PPE can be used to evaluate the effectiveness of the PPE provided from time to time, and help the authorities to determine the good selection of PPE to use
Examining the role of individual’s commitment, trust in management and communication on readiness for change
Get PDFThe rate of changes in the organizational had grown tremendously due to customers’ demand, globalization, cost, and technology advancement. These changes required people to always be ready for the change. When people in the organization are not ready to change, they will refuse or resist to try their best to make changes. Therefore, individuals who are ready to change will have an impact on openness,
curiosity, and willingness to accept new ideas or important programs to achieve organizational success. This study is conducted with the intention to capture factors that might influence readiness for change among employees of Enugu state civil service commission. The study examines the direct relationship between individual’s commitment, trust in management, communication and readiness for change. A total
of 310 questionnaire were distributed to employees of Enugu state civil service commission through online survey. Response rate was 100%. In this study, hypotheses for direct effect were tested using multiple regression analyses. Results showed that only individual’s commitment was significantly positively related to readiness for
change. The findings indicate that issues of readiness for change among public service employees can be improved by involving the employees from the start of the change process, involving them in the planning and decision making, as a way to increase their commitment towards the planned change
Factors related to perceived teleworking productivity among employees in the Information Technology (IT) Industry in Malaysia
Get PDFThere has been a surge in teleworking policies by organizations. This policy is becoming more popular after COVID-19 due to the adaption of work-from-home policies during restricted movement orders. There are many advantages associated with the flexible working arrangement practice. However, the concern about employee productivity in the flexible working arrangement is often being questioned. Therefore, the study's objectives are to examine the influence of information technology (IT) infrastructure, IT training, management support, and attitude toward teleworking on employees’ perceived teleworking productivity. This quantitative study used selfadministered questionnaires for data collection. The research population is 152 employees in the IT industry in Malaysia. The data were analyzed using Statistical Package for the Social Science (SPSS) software version 27. In the findings, not all independent variables predict teleworking productivity significantly. The management support and attitude toward teleworking significantly influence the perceived teleworking productivity. However, the IT infrastructure and IT training do not significantly influence perceived teleworking productivity. This study contributed new insights to our present understanding of the significant factors related to perceived teleworking productivity. With the help of these contributions, managers can focus on the factors that significantly influence the perceived teleworking productivity of employees. Future research can focus on other potential factors, such as the level of skills, knowledge, and experience, which potentially influence the perceived teleworking productivity
Examining factors that contribute to mental health among Malaysian executives
Get PDFMental health problems such as stress, depression and anxiety are typical occupational health issues which can negatively affect the worker’s well-being and impaired organizational performance. Taking into consideration the commonness of occupational stress and stressors, nobody is resistant to the mental health’s impact despite of job title, work setting or daily tasks. Therefore, this study is conducted with the intention to capture factors that might influence mental health issues among the executives. The study examines the direct relationship between job demand, job insecurity, perceived organizational support and mental health. A total of 250 questionnaire were distributed online using Google form to executives. At the end of data collection period, at total of 222 questionnaire been return, yielding response rate was 88.8%. In this study, hypotheses for direct effect were tested using multiple regression analyses. Results showed that job demand and perceived organizational support were significantly positively related to mental health. The findings indicate that mental health issues among executives can be reduced by reduce stress related to job like revisit on the existing job demand and providng relevent organizational support to executives