iKSP Journal of Business and Economics

Social capital and homeownership among immigrants: insights for Brunei

Sarimah Awang, Gazi, Barjoyai — Tue, 07 Dec 2021 00:00:00 +0000

The increasing number of immigrants in the host country has often raised demands for several services. This may refer to basic needs such as education, employment and housing. The study's main problem is the inaccessibility of the middle-income immigrants’ generations in Brunei Darussalam to homeownership. Although the immigrants’ generations have been staying long in the country and born locally, they are inaccessible to housing and homeownership. This study aims to answer the research question that guides this paper “what are the social capital factors affecting the immigrants’ homeownership?. Therefore the objective of this study is to investigate the relationship between social capital factors and the homeownership status of the immigrants. The study discussed social capital factors, including culture, social network, trust and loyalty on homeownership of the immigrants in Brunei Darussalam. The data of this study were collected from a questionnaire and analysed using SPSS and SEM. The analysis on the relationship between social capital factors and homeownership shows p = .0136*, which implies that social capital directly impacts immigrants’ homeownership in Brunei. However, homeownership access in practice is determined by housing policy and that the immigrants are naturalised citizens. The result of the study has led to other associated factors like housing policy included for future research.

Examining the Link Between Behavioral Finance and Portfolio Management Considering Disposition Effect as Mediating Role: Empirical Evidence from Pakistan

Ayesha Aurengzeb — Tue, 07 Dec 2021 00:00:00 +0000

The aversion to loss realization phenomena and the tendency for selling the winners soon while holding the losers for long; the “disposition effect” might result in affecting management decisions. This study is conducted for examining the link between behavioral finance factors i.e.: regret aversion, self-control and mental accounting with portfolio management while keeping the disposition effect as mediator. In order to find out the empirical evidences, survey from fund managers has been conducted using the structured questionnaire. SPSS tool is being used to test the linear regression analysis and a total of 55 sample size is being taken in the study. Findings of the study confirmed there exists significant mediator impact of disposition effect between the three aspects and the portfolio management. However, the study suggests to remove the effect of disposition by creating benchmark for both the losses and gains as well.

To Stay or Leave Pakistan: A Critical Query for Youth

Muhammad Abdullah Idrees Idrees, Ayesha Khan — Wed, 05 Jan 2022 00:00:00 +0000

This study was undertaken to know the opinion of the youth regarding their preferences for stay in the country. It has also been made to know the opinion of those who prefer to go out of the country. In this research personal survey method has been used in the form of Questionnaires. In order to collect primary data, the questionnaire survey technique and Random sampling is used. One sample t-test was used to test the hypothesized relationship between emigration with corruption, inflation, poverty and instability of economy. The results shown of this study that many respondents are agreed with all statement except education, overpopulation and social unrest therefore our most of the hypothesis are accepted and test is insignificant. Study has revealed that illiteracy is that factor which does effect on people lives it could be the cause behind emigration. In addition, majority has disagreed from this statement that education does effect on departure. it is believed that education is not a cause behind emigration in fact, it is the motivated factor to get education. it is also concluded that overpopulation does not effect on emigration however it has increased the segregate demand and decreased segregate supply in country therefore many people has devastated their lives. Inflation has been increased with increases of poverty and unemployment in Pakistan, made study that there is stag inflation in Pakistan since long time. As this study has concluded that there is no such need to go abroad but these hygiene factors forced to go there in order to get life secured and developed, where there will be many opportunities to earn more save and life can be live without any violence.

Factors Affecting the Adoption of Branchless Banking in Pakistan

Muhammad Abdullah Idrees Idrees, Ayesha Khan — Wed, 05 Jan 2022 00:00:00 +0000

This research article is based on to identify the Factors Affecting the Adoption of Branchless Banking in Pakistan. This study proposed a contribution referred to as branchless banking through which consumers could overcome the hassle of traditional banking system. The independent variables are lack of awareness, consumer attitude, perceived ease of use, perceived risk, social influence, security, perceived usefulness, resistance to adoption are used in this study. Quantitative research approach is applied for this study. Random probability sampling was done. Result Shows that factors i.e. perceived ease of use, perceives usefulness, customer awareness, lack of awareness, social influences, security, resistance to adoption, consumer attitude has a significance impact on adoption of branchless banking in Pakistan, we have thoroughly studied all the factors & with the help of SPSS have identified the potentials factors which are significantly affecting on the adoption of branchless banking in Pakistan. Current era is an era of digital banking & every organization being a market competitive should be capable enough to adopt & promote branchless banking in the banking segment, factors are already being highlighted which becoming hindrance in adoption of branchless are banking in Pakistan. As technology has massively enhanced the equipped performance of banking industry, branchless banking is a fine example of this. This study’s recommendations & conclusion will be helpful for the banking intellectuals and as they can have the idea about the factors which is directly effecting the adoption of branchless banking in Pakistan.

Role of Organizational Social Media Integration in Improving the Banks Social Capital

Seyed Pendar Toufighi, Iman Ghasemian — Sat, 12 Feb 2022 00:00:00 +0000

The challenge that organizations now face is acquiring knowledge that enhances competitive excellence, the power of creativity and innovation, and organizational learning, and adds to the richness of organizational knowledge. In today's knowledge-based world, organizational knowledge management is the key to success and leadership. One of the essential organizational capabilities that can help organizations create and share knowledge and improve their performance and create a lasting organizational advantage is social capital and social media use. Hence this research tests the role of social media integration on the three dimensions of social capital and organizational emphasis on knowledge management. This study was conducted on a sample of 280 employees of Tejarat Bank in Tehran province in Iran. The results showed that integrated social media positively affects the social capital dimensions. The framework and directions provided can further the social media integration and knowledge management research by addressing essential gaps in the current literature. This research identifies many opportunities for researchers to understand better the phenomenon of social media integration in improving the social capital in the bank industry.