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Financial Behaviors and Financial Satisfaction of Employees at KBZ Bank (Wai Moe, 2024)
No full textThe objectives of the study is to examine the effect of financial behavior on
financial satisfaction of employees at KBZ Bank. Descriptive and quantitative research
method were applied in this study. Primary data were collected from 168 employees out
of 210 employees from Head Office of KBZ Bank by using simple random sampling
method. Secondary data were collected from websites, previous study and text book
references. This study investigates employee’s financial behavior such as budgeting,
saving investment and debt management related with financial stress, financial
socialization and financial technology. The result of the study will highlight the
connection of financial behavior and financial satisfaction that is collected from KBZ
Bank’s employees who engage in financial sector, spending habits and saving plan.
Based on the finding of regression analysis, financial socialization emerged as the most
influential factor, highlighting the impact of peer, family, and workplace influences in
shaping employees’ financial behaviors. This finding provides valuable insights for KBZ
Bank in designing targeted interventions that foster a supportive and financially literate
work environment. Analysis of the effect of financial behaviors on financial satisfaction
is a strong positive relationship and this finding shows that the improvements in financial
behaviors lead to increased employee’s financial satisfaction. This study can suggest that
financial behavior within organization can further enhance employees’ financial
socialization, to advance financial technology, to reduce financial stress and to improve
overall financial satisfaction. This study provides valuable insights for financial
institutions seeking to foster financial behavior and financial satisfaction in their
workspace
Service Quality, Customer Satisfaction and Loyalty of Insurance Services Provided By KBZMS ( Aung Aung, 2025)
Get PDFThis study examines the service quality, customer satisfaction, and customer
loyalty of the insurance services provided by KBZMS General Insurance. The
research analyzes five dimensions of service quality as tangibility, reliability,
assurance, responsiveness, and empathy to determine the effect of service quality on
customer satisfaction and, subsequently, to analyze the effect of customer satisfaction
on customer loyalty. A structured questionnaire was used to collect data from 384
policyholders, and the findings were analyzed using descriptive statistics and multiple
regression analysis. The results indicate that reliability has the most strongly
influences customer satisfaction, emphasizing the role of consistency, accuracy, and
dependability in insurance services. Assurance has a significant positive effect on
customer satisfaction, highlighting the importance of trust, professionalism, and
transparency in policy explanations and claims processing. Tangibility further
contributes to customer perceptions of service quality, as the physical appearance of
facilities, staff professionalism, and functionality of digital platforms enhance
customer experience. While responsiveness is positively associated with customer
satisfaction, it is not statistically significant, suggesting that prompt service alone does
not necessarily drive satisfaction. Similarly, empathy was found to have an
insignificant effect, indicating that while personalized interactions are valued, they do
not strongly influence overall satisfaction. Furthermore, the study confirms a strong
and significant effect of customer satisfaction on customer loyalty, with satisfied
customers being more likely to continue using KBZMS services, recommend the
company to others, and maintain long-term policy renewals. These findings suggest
that KBZMS should focus on strengthening assurance, ensuring reliable service
delivery, and enhancing the physical aspects of service to improve customer
satisfaction and loyalty. The study provides recommendations for streamlining claims
processing, improving transparency in customer communication, leveraging digital
solutions, and implementing customer retention strategies. Future research should
explore additional factors such as pricing, convenience, and digital engagement to
gain a more comprehensive understanding of customer satisfaction and loyalty in the
insurance industry
Sales Training Practices Towards Salesperson Performance At KBZMS General Insurance Co.,Ltd( Ei Ei Aung, 2025)
Get PDFThis study examines the effect of sales training practices on salesperson
performance at KBZMS General Insurance Co., Ltd. While sales training is recognized
as an important factor in enhancing performance, limited research has explored its
specific impact within insurance sector in Myanmar. This study addresses this gap by
analyzing survey data from 345 sales professionals using a simple random sampling
method. A structured questionnaire with a 5-point Likert scale was used to assess
perceptions of salesperson on training effectiveness. Multiple regression analysis was
conducted to examine the connection between training needs analysis, training design,
training delivery, and training evaluation with salesperson performance. The findings
indicate that all four training components significantly influence salesperson
performance, with training evaluation having the strongest impact. However, training
delivery shows a weaker effect, suggesting a need for more engaging and adaptive
training formats. To enhance sales training effectiveness, KBZMS General Insurance
Co., Ltd should strengthen training evaluation with a continuous feedback system,
ensure thorough assessment of training needs, and optimize training delivery by
incorporating a blend of in-person and digital methods. Future research should explore
the long-term impact of training evaluation, refine methods for identifying skill gaps,
and examine the effectiveness of hybrid training models across different sales channels.
These insights contribute to improving sales training strategies and driving higher
performance for insurance industry which is gradually evolving in Myanma
Factors Influencing Customer Purchase Decision on Motor Vehicle Insurance at First National Insurance (General) Co.,Ltd( Ei Kalyar Hlaing, 2025)
Get PDFhe objectives of the study are identifying the factors influencing on purchase
decision towards Motor Vehicles Insurance and assess how these factors influencing
customer purchase decisions at First National Insurance (General) Co., Ltd (FNIG).
Both descriptive statistics and quantitative research were used in the study. Regression
analysis was also used in this study. Primary data were collected from 273 out of 860
customers with survey questionnaires. The findings indicate that customers have a high
perception towards all influencing factors: Product, Price, Place, Promotion and Brand
Image. It is recommended that FNIG should enhance its distribution channels,
including physical locations, online platforms and mobile apps that can improve policy
availability. Since promotion is significantly influence customer purchase decisions,
FNIG should make attractive offers, discounts and bundled packages effective
strategies. Since, brand image has the strongest influence on customer purchase
decision, FNIG should continuously enhance its reputation through consistent
messaging, positive customer experience and increased marketing visibility
Factors Influencing Agent Retention of First National Insurance (General) Co.,Ltd (Pyae Pyae Nyein, 2025)
Get PDFThe objective of the study is to analyze the factors influencing agent retention
of First National Insurance (General) Co., Ltd. The study focuses on training,
supervisory leadership, working conditions and remuneration. The study uses a
quantitative research method, collecting primary data through structured surveys from
147 active agents with over five years of experience at FNIG. Secondary data was
gathered from industry reports, academic literature, and company records. Data
analysis involved descriptive statistics and regression analysis to determine the
significance of motivational factors in agent retention. The findings indicate that
training, supervisory leadership, and remuneration have a statistically significant
positive impact on agent retention. In contrast, working conditions demonstrate a
weaker correlation with retention, suggesting that while they may influence decision of
agent to stay, their effect is less substantial compared to the other factors. By optimizing
training, leadership support, and remuneration structures, insurance firms can cultivate
a more committed and high-performing agency force, ensuring long-term business
sustainability
Relationship Marketing Practices, Customer Satisfaction and Customer Retention in 'A' General Insurance Co.,Ltd ( So Pyay Aung Win, 2025)
Get PDFThis study investigates the factors influencing relationship marketing practices—
trust-building, communication, responsiveness, and personalized service and their effect
on customer satisfaction. Customer satisfaction strongly contributed to customer retention,
as satisfied customers are more likely to remain loyal to the company. Additionally, the
study aims to identify the most significant factors among these relationship marketing
practices that contribute to customer satisfaction. By using a quantitative research
approach, the data were collected from 263 policyholders, selected through a simple
random sampling method from a total of 830 policyholders of A General Insurance Co.,
Ltd. A structured questionnaire was used to gather the data. The findings indicated that
trust-building, communication, responsiveness, and personalized service all have a
significant and positive effect on customer satisfaction. Among these factors, personalized
service emerged as the mostly influential. Furthermore, customer satisfaction was found
to have a strong positive effect on customer retention. The results suggests that the
effective implementation of relationship marketing practices, particularly personalized
service, can enhance customer satisfaction. That customer satisfaction, in turn, fosters
long-term retention in the insurance industry
Knowledge Management Practices, Job Satisfaction and Agent Performance at Chubb Life Insurance Myanmar ( Thu Zar Kyaw, 2025)
Get PDFThis study investigates the effect of knowledge management practices, job
satisfaction and agent performance at Chubb Life Insurance Myanmar. The research
adopted descriptive statistics and a quantitative methodology utilizing both primary and
secondary data. Structured questionnaires were applied to gather the primary data. The
Yamane sampling formula indicates a sample size of 204 from a total of 415, with 204
active agents from Chubb Life Insurance Myanmar supplying primary data via an
online survey. This research employs a fundamental random sampling method.
Secondary data from Chubb Life Insurance Myanmar cites, relevant textbooks, prior
research articles, and online sources. Linear regression and descriptive statistics are
utilized to ascertain the objectives. The results indicate that information retention has
the most significant beneficial impact, but knowledge application also shows a
considerable positive influence on work satisfaction. Knowledge acquisition and
storage show positive effects in supporting job satisfaction. However, knowledge
sharing does not exhibit a significant effect on job satisfaction. Job satisfaction was
found to have a strong positive relationship with agent performance. It is recommended
that Chubb Life Insurance Myanmar prioritize strengthening its knowledge retention
and application strategies while addressing challenges in knowledge sharing to
maximize agent performance and overall organizational success
Promotion Mix and Consumer Purchase Decision Towards Life Insurance Products of GGI Nippon Life Insurance Co.,Ltd ( Zar Yi Hlaing, 2025)
Get PDFThe objective of this study is to examine the effect of promotion mix on
consumer purchase decision towards life insurance products of GGI Nippon Life
Insurance Co., Ltd. This study used both primary data and secondary data. The sample
size 347 customers were selected by simple random sampling method. Secondary data
was collected from the relevant text books, previous research papers and journal
articles, magazines and internet websites. After conducting survey, gathered datas were
analyzed by descriptive analysis, correlation analysis and multiple regression analysis
to prove the objectives of the study. According to the result of regression analysis,
personal selling is the most statistically significant factor in shaping consumer purchase
decision whereas sales promotion, public relations, direct marketing have also positive
effect on consumer purchase decision. But, advertising has no effect on consumer
purchase decision. Therefore, GGI Nippon Life should maintain personal selling, sales
promotion, public relations and direct marketing for company’s long-term success. On
the other hand, advertising should further be enhanced to become effective advertising
on consumer purchase decision
"An Attempt to Study on the Market Condition of Pathein Umbrella Industry (1948-1988) "
Get PDF"This research paper is an attempt bring out the origin and development of Pathein Umbrella production industry. The workshops of Pathein Umbrella are locate on the eastern bank of the Pathein river or Ngawun river in Pathein Township. Pathein Umbrella industry plays an important role in the economy of Myanmar, including the Pathein Town. Pathein Umbrella industry also attracts many travelers and tourists. Pathein Umbrella industry can be seen as the economy of the artisans in Pathein Town. Pathein Umbrella entrepreneurs are using traditional methods to develop their Pathein Umbrella industry. This study is divided into three sections. They are origin, several steps in umbrella making and market conditions of Pathein umbrella. Detail information is obtained from the owners, craftsmen and artisans such as interviewees. Secondary data are collected from libraries. The production process of Pathein Umbrella industry is very interesting. The craftsmen make these Pathein Umbrella by using traditional methods. The ways and means for preservation of Myanmar traditional culture of Pathein umbrella production are also mentioned in this paper. Because of the modernized umbrella, the Pathein Umbrella industry is now facing the danger of extinction. If Pathein Umbrella industry can be produced continuously, the preservation work is carried out by the owners, craftsmen, artisans and researchers in the future.
A Study on Disaster Risk Reduction and Management in Community (Case Study: Tachileik District) ( Lin Htet, 2025)
Get PDFThis study aims to investigate the strengths and weaknesses of disaster risk
reduction and management (DRRM) strategies and to assess household awareness and
community participation in DRRM activities in Tachileik District, Eastern Shan State.
Using a descriptive method, and primary data were collected through a structured
questionnaire survey from 399 respondents selected from simple random sampling
method across three wards and three villages in Tachileik District. The findings revealed
that household awareness of disaster risks is generally high, with many respondents
recognizing both natural and human-induced causes of disasters and expressing concern
over increasing disaster frequency. One notable strength of the community is its
proactive attitude, as many families have developed preparedness plans and
demonstrated strong engagement in awareness promotion and recovery activities.
However, weaknesses were also identified, including low levels of participation in
disaster simulations and preparedness training, limited inclusion of vulnerable groups in
planning processes, and insufficiently developed early warning systems. While mobile
phones and television serve as primary alert mechanisms, reliance on digital media may
exclude marginalized populations, underscoring the need for inclusive communication
strategies. Community perception of DRRM programs was moderately positive, with appreciation for local meetings and communication efforts, but limited knowledge of evacuation infrastructure and national policy implementation was evident