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RISS 인기검색어
- 검색키워드
- 저자 : Baber Hasnan (검색결과 4 건)
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Is Fintech a Solution for Financial Inclusion and Women Empowerment?
Hasnan BABER 한국유통과학회 2018 KODISA ICBE (International Conference on Business Vol.2018 No.-
Financial Inclusion seems to be light at the end of the tunnel to achieve the millennium development goals (MDGs) which can eradicate the poverty and help people to come out of abject poor condition. On the other hand, Financial Technology (FinTech) is spreading at a fast pace and accessed by the masses. Thus, this technological innovation which helps to deliver financial services more conveniently and efficiently can hold the key for financial inclusion and women empowerment through financial inclusion. This study used data from World Bank’s 2017 Global Findex report and tried to find a relation between FinTech and financial inclusion from 144 countries. Few parameters from the report were taken to measure the financial inclusion variable and some indicators were selected to assess the FinTech reach. The results suggested that there is a strong relationship between independent variable FinTech and dependent variable financial inclusion for the whole population and women population alone. The study also found that low-income countries are financially excluded while as high-income countries are more inclusive except few exceptions. The study will help to understand the impact of FinTech on the inclusion of excluded population from the financial system and can act as a solution for reducing poverty and women empowerment.
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Hasnan Baber 한국유통과학회 2019 The Journal of Asian Finance, Economics and Busine Vol.6 No.1
Service quality has been a point of discussion from the decades as it is important for customer satisfaction, loyalty and retention. Various models have been proposed to measure the quality in the service sector. Models are modified in accordance with context and geography to assess the quality of service better. This study aims to investigate the impact of the modified e-SERVQUAL model on the customer perception about the existing relation and potential scope of doing business with a bank which in-turn will decide the performance of the bank. Statistical data was analyzed through various tests like reliability analysis, correlation and regression analysis using SPSS 25.0. The primary data of e-SQ and performance was gathered from 721 internet banking users using 32 item questionnaire, representing 72% response rates, of four selected Islamic banks of Malaysia. E-SERQUAL was modified by adding Shariah Compliance information about banks and products for Islamic banking customers. The finding specified that efficient & reliable services, fulfillment, security/trust, and Shariah compliance information have a significant association with the performance of Islamic banks. The research is original and its implications will be helpful for Islamic banks across the world to enhance the online experience of customers, which will help them to retain the customers in the rapid changing virtual environment.
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Religion and Banking : A Study of Islamic Finance in India
Hasnan Baber,Chinar Zaruova 한국유통과학회 2018 The Journal of Industrial Distribution & Business( Vol.9 No.6
Purpose - The purpose of this paper is to elucidate the limelight question ‘why India should open arms for Islamic banking?’. Research design, data, and methodology - The paper is theoretical and conceptual in nature and provides results based on significant literature review. Results - This paper will start with the discussion why Islamic name does not make it only for Muslims?, then its features and how it can improve India’s current economic situation. Also this study will analyze the ability of Islamic finance to act as Micro-finance tool by including people who does not participate in economic activities. This paper also concludes that why religious issue should be sidelined in order to accept Islamic finance for empowerment of Muslim and non-Muslim minorities which live in abject poor conditions. Conclusions - Islamic finance has lot of merits which cannot be ignored by only looking at the name and believing that it is only for Muslims. Indian economic system needs a financial system which will work for welfare and not for profit to help poor communities in coming out of poverty. Interest free loans and micro-finance tools are the only way to help below poverty line population to raise their income level.
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A framework for Crowdfunding platforms to match services between funders and fundraisers
Baber Hasnan 한국유통과학회 2019 The Journal of Industrial Distribution & Business( Vol.10 No.4
Purpose - A framework is suggested in this paper which will help crowdfunding platforms to match projects according to expectations of funders, leading to successful campaigns and thus increase the profitability of the crowdfunding platform. Research design, data, and methodology – The paper is theoretical and conceptual in nature which proposes a model for crowdfunding platforms to match expectations of crowds with project fundraisers. Results - Crowdfunding platforms are going through incremental innovations in order to match customer (funders and fundraisers) expectations. Leading crowdfunding platforms like Kickstart holds benchmark for other players in the market but the secret of success lies in matching quality projects with the appropriate funders. Crowdfunding platforms have to securitize the projects and allow only quality projects but also provide a wide range of options for funders. Thus, to manage this trade-off between quality and quantity of options, a framework is proposed. Conclusions - Crowdfunding platforms have to adopt a model which will help them in providing a perfect match between crowds and fundraisers. Each member of the crowd and every project will be assigned a category and rating based on the past records. Securitization of projects will help to entertain only demanded projects which will reduce the number of failing campaigns.
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