Research
Management and Roles of Deposit Insurance Institution in Attracting Deposits for Jordanian Banking Sector (2000-2013)
Deposit Insurance Corporation aims to protect depositors at banks to guarantee their deposits under provisions of the Deposit Insurance Corporation Act 2000, in order to encourage savings and promote confidence in the banking system in the Hashemite Kingdom of Jordan. Therefor established in the Kingdom institution called Deposit Insurance Corporation that enjoys a legal personality with financial and administrative independence, and it has this capacity to carry out all legal actions including entering into contracts, borrow, possess movable and immovable property necessary to achieve its objectives and be the center of the institution in Oman, also may be open branches and offices across the Kingdom. (deposit Insurance Corporation Act No. 33/2000). The system is known deposit guarantee that the system works to provide the possibility of compensation categories of depositors owners of certain types of deposits by less or too much of their deposits that are exposed to danger as a result of the faltering bank deposited these deposits has ceased payment accordingly. (Indian, 1992, p 83).
Roles and Determinants of Banking Concentration in Jordanian Commercial Banks Profitability
This study aimed to measure the effect of concentration to achieve the banking goal in each of (deposits and loans) on the profitability of the Jordanian commercial banks, which have been measured by using ratio of profitability (ROE). The study was conducted on Jordanian commercial banks. Also the study covered period between 1993 to 2013. The researcher used in this study descriptive analytical method and used statistical program (E-VIEWS) also data were analyzed by using simple linear regression method to test hypotheses of the study. The results showed that there was no statistically significant effect of the concentration of each of the banking (deposits and loans) on the profitability of commercial banks in Jordan. The study recommended the demand of Jordanian commercial banks to diversify the services provided by them and to rely on efficient and effective management of its reliance on more concentration to get market share.
The Impact of Macroeconomic Indicators on Stocks Returns for the Jordanian Insurance Companies during the Period (2000 a 2012)
- This study aimed to investigate the impact of some macroeconomic indicators on stocks returns in the Jordanian insurance companies which listed in Amman Stock Exchange during the period (2000-2012). The study sample consisted of (16) insurance company, the analytical approach has been adopted through building a multiple linear regression model. The model of the study was analysed using a variety of statistical tests, including Pooled Model for the regression analysis, Random Effect model, and Fixed Effect model. The results of the study indicated that there is a statistically significant effect for both inflation and the budget deficit, on the Jordanian insurance companies returns, while there was no statistically significant effect for the unemployment on the returns of these stocks. The study recommended a set of recommendations, the most important was that the Jordanian insurance companies must take into consideration all the factors that affect inflation.
Impact of the Resources Gap on the Interest Margin in the Jordanian Commercial Banks(1990-2011)
This study aims to analyze the impact of the resources gap on the interest margin in the Jordanian Commercial Banks. Since the interest margin is the main source of profit in commercial banks, the existence of a gap have a negative impact on the interest margin. In addition, as the change in sensitive assets to interest rate and sensitive liabilities of interest rate has an impact on the bank's profits; especially when the commercial banks pay the costs of some sources of funds to increase what they get from the benefits derived from credit facilities of credit interest and the debt interest. This is all embarked upon within a sample that included eight Jordanian commercial banks (out of thirteen are banks in Jordan)..The analysis relies on the annual data for banks to identify the resource gap in the Jordanian commercial banks, their impact on the interest margin and sensitive assets, sensitive reductions. The result of this study aim to provide Jordanian banks with up-to-date feedback which can help in advancing the Jordanian banking sector. The study used methods of econometrics where the Simple Linear Regression model is used. The study shows the existence of statistically significant effect of the resources gap in the Jordanian commercial banks on the interest margin. And it also shows the existence of statistically significant effect for the resources gap in the Jordanian commercial banks on the debt interest. Finally, the study shows the existence of statistically significant effect for the resources gap in the Jordanian commercial banks on the payable interest.
Impact of Risk on the Degree of Banking Safety in Traditional Jordanian Banks
- This study aimed to measure the impact of banking risk which represented "liquidity risk, credit risk, and interest rate risk" on the degree of safety for traditional (commercial) Jordanian banks. A sample of Jordanian traditional banks was used during the period (2000-2011).The methodology which used to analyze the impact of banking risks on the degree of safety in commercial banks is the multiple linear regression. The study hypotheses were tested independently for each type of risk. The results showed a statistically significant relationship between bank risk and the degree of safety for Jordanian commercial banks. The study recommended that the risk management should be subject to a continuous surveillance by the management, with focus on credit risk. Also, sources and usages of funds should be identified and determined, considering the main targets for banks. ( I.e. liquidity, profitability and safety). Developing appropriate mechanisms to deal with the bank risk, the statement of seriousness on banks and continues development of regulatory controls are also recommended.
Management of Fund Sources for Development Bank of Cities and their Reflections on the Credit Facilities for the Local Committees (2000-2013)
This study is aimed to determine the impact of the financial resources available to the Development Bank of City and villages on size of credit facilities granted for the period (2000-2012). Which represented in the financial resources available by both customer deposits, secretariats of the local Committees, loans and capital on volume of credit facilities by using unit root test to identify the stability of the data in the time series, and test the method of least squares regression analysis (OLS) to test the hypotheses. The results indicated no statistically significant impact for each of Capital and its equivalents, the volume of loans, and the secretariats of the local Committees on the average size of credit facilities. While showing a statistically significant impact on the size of customer's deposits on the average credit facilities for the development bank of cities and villages. The study recommended that the Development Bank of cities and villages has to issue bonds with expanding the size of investment projects, also to increase the return through using of short-term investment projects with a higher return .
