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Factors Influencing Liquidity Creation among Commercial Banks in Uzbekistan: An Empirical Study
Akrom A. OMONOV(Akrom A. OMONOV ),Kamaruzzaman MUHAMMAD(Kamaruzzaman MUHAMMAD ),Erlane K. GHANI(Erlane K. GHANI ) 한국유통과학회 2023 The Journal of Asian Finance, Economics and Busine Vol.10 No.1
The banking industry regulators have imposed on commercial banks to maintain a certain level of liquidity to ensure that they can meet their obligations to the depositors and third parties. This study examines the factors influencing liquidity creation among commercial banks in Uzbekistan. Specifically, this study examines three internal factors namely, risk assets, deposits, and inter-bank loans on the creation of liquidity in commercial banks of Uzbekistan. This study uses content analysis on financial reports of 33 commercial banks in Uzbekistan over 21 years. This study shows all the factors chosen in this study significantly influence liquidity creation among the commercial banks in Uzbekistan. While deposits and inter-bank loans significantly and positively influence liquidity creation, this study shows that risk assets significantly and negatively influence liquidity creation. Further analysis shows that these three factors contribute to a 92.4% variance in liquidity creation among commercial banks in Uzbekistan. The findings of this study provide valuable insights to the stakeholders in the banking industry on the factors influencing liquidity creation in banks. In addition, this study adds to the existing literature by providing insight into the internal factors’ role in influencing liquidity creation in the context of an emerging economy.
GHANI, Erlane K,MOHAMMAD, Nurulhuda,MUHAMMAD, Kamaruzzaman Korea Distribution Science Association 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.3
This study examines the factors influencing custom officers' readiness for the Sales and Service Tax (SST) implementation in Malaysia. Specifically, this study examines the factors stipulated in the Theory of Organisational Readiness namely, change valence, task knowledge, and resource availability on the customs officers' readiness in terms of change commitment and change efficacy for SST 2.0 implementation. This study utilizes the questionnaire survey distributed to employees of the Royal Malaysian Customs Department (RMCD) that have undergone a significant change of tax regime from Goods and Service Tax (GST) to SST 2.0. The results show that all three factors significantly and positively influence the customs officers' readiness in terms of change commitment and change efficacy for SST 2.0 implementation in Malaysia. The findings in this study indicate that to ensure smooth SST 2.0 implementation, it is important for the customs department to give attention to the perception of the officers and provide the necessary resources. The findings of this study could assist RMCD and other custom agencies to take into account factors that influence readiness for change which indirectly affect job responsibility and performance of the organization.
Chowdhury, Towhid H.,Kaneko, Ryuji,Kayesh, Md. Emrul,Akhtaruzzaman, Md.,Sopian, Kamaruzzaman Bin,Lee, Jae-Joon,Islam, Ashraful Elsevier 2018 Materials letters Vol.223 No.-
<P><B>Abstract</B></P> <P>In this letter, we report on nanostructured NiO<SUB>x</SUB> with particle size ∼85 nm as an efficient hole transport material (HTM) for low temperature processed inverted planar perovskite solar cell (PSC) with power conversion efficiency of 15.64%. The homogenous NiO<SUB>x</SUB> HTM layer facilitated the growth of high quality CH<SUB>3</SUB>NH<SUB>3</SUB>PbI<SUB>3</SUB> absorber with large crystal grains and the resulting PSC showed stable photovoltaic performance under continuous illumination.</P> <P><B>Highlights</B></P> <P> <UL> <LI> Nanostructured NiO<SUB>x</SUB> has been synthesized. </LI> <LI> Low temperature PSCs showed power conversion efficiency of 15.64% with NiO<SUB>x</SUB> HTMs. </LI> <LI> The PSC showed stable performance under continuous illumination in 30 days. </LI> </UL> </P>
Performance assessment of Cu2SnS3 (CTS) based thin film solar cells by AMPS-1D
Ejarder Sabbir Hossain,Puvaneswaran Chelvanathan,Seyed Ahmad Shahahmadi,Kamaruzzaman Sopian,Badariah Bais,Nowshad Amin 한국물리학회 2018 Current Applied Physics Vol.18 No.1
A relative performance assessment of copper tin sulfide (CTS) thin film solar cells with different phases such as, cubic, tetragonal, and orthorhombic as an absorber layer has been carried out by AMPS-1D simulation software. Based on the proposed device architecture, the effects of thickness and carrier concentration for the absorber layer as well as the back metal contact with various work function are studied in order to improve the performance of CTS solar cell. It is found that 1018 cm3 and 2500 e3000 nm are optimum values for carrier concentration and thickness for all the investigated CTS absorber layer phases, respectively. On the other hand, back contact metal work function of 5.28 eV, 5.67 eV and 5.71 eV are identified to be the optimal values for cubic, tetragonal, and orthorhombic phases, respectively. We have analyzed in detail the output performance of CTS thin film solar cell with respect to its fabrication, which can serve a constructive research pathway for the thin film photovoltaic industry.
Performance evaluation of maximum light detection solar tracking system in the tropics
Ahmad Fazlizan,Ahmed Abdulmula,Akmal Naim Amran,Chin Haw Lim,Kamaruzzaman Sopian 대한기계학회 2019 JOURNAL OF MECHANICAL SCIENCE AND TECHNOLOGY Vol.33 No.3
In this paper, a performance analysis of a photovoltaic (PV) tracking system is conducted, to evaluate its performance based on field data measurement. A dual-axis tracker with smart algorithms called maximum light detection (MLD) applied in the solar energy generation system is analyzed. In a tropical country that having a massive cloud cover throughout the year, the sky condition is categorized as sunny, intermittent and gloomy. The comparative results show that the system with MLD tracker improved the energy generation significantly all sky conditions.
Muneer M. Ba-Abbad,Abdul Amir H. Kadhum,Abu Bakar Mohamad,Mohd S. Takriff,Kamaruzzaman Sopian 한국공업화학회 2013 Journal of Industrial and Engineering Chemistry Vol.19 No.1
The experimental conditions for the synthesis of ZnO nanoparticles to produce minimal size were optimized using the D-optimal design. The influence of process parameters involves molar ratio of the starting materials, pH and the calcination temperature on the particle size were evaluated using the polynomial regression. The optimum conditions revealed by the model for obtaining a minimum particle size of ZnO were predicted to have a molar ratio of 1.76, pH of 1.50 and calcination at 402.2 8C. The obtainable particle size upon applying the model is 22.9 nm in compare to experimental result of 18 2 nm was obtained.
Rezaul H. Ansary,Mokhlesur M. Rahman,Mohamed B. Awang,Haliza Katas,Hazrina Hadi,Farahidah Mohamed,Abd Almonem Doolaanea,Yunus B. Kamaruzzaman 대한약학회 2016 Archives of Pharmacal Research Vol.39 No.9
The aim of this study was to prepare a model protein, bovine serum albumin (BSA) loaded double-walled microspheres using a fast degrading glucose core, hydroxyl-terminated poly(lactide-co-glycolide) (Glu- PLGA) and a moderate-degrading carboxyl-terminated PLGA polymers to reduce the initial burst release and to eliminate the lag phase from the release profile of PLGA microspheres. The double-walled microspheres were prepared using a modified water-in-oil-in-oil-in-water (w/o/o/ w) method and single-polymer microspheres were prepared using a conventional water-in-oil-in-water (w/o/w) emulsion solvent evaporation method. The particle size, morphology, encapsulation efficiency, thermal properties, in vitro drug release and structural integrity of BSA were evaluated in this study. Double-walled microspheres prepared with Glu-PLGA and PLGA polymers with a mass ratio of 1:1 were non-porous, smooth-surfaced, and spherical in shape. A significant reduction of initial burst release was achieved for the double-walled microspheres compared to single-polymer microspheres. In addition, microspheres prepared using Glu-PLGA and PLGA polymers in a mass ratio of 1:1 exhibited continuous BSA release after the small initial burst without any lag phase. It can be concluded that the double-walled microspheres made of Glu-PLGA and PLGA polymers in a mass ratio of 1:1 can be a potential delivery system for pharmaceutical proteins.