DHARANA - Bhavan's International Journal of Business

Mohammed Arif Pasha ¹, T. Srivenkataramana ¹

Affiliations
1 Department of MBA, Brindavan College, Yelahanka, Bangalore, IN

Abstract

The issue of Non-Performing Assets (NPA) in the banks is discussed. The magnitude and trend in NPA are studied for the 5 year period 2008-13, using a suitable classification of the banks. A critical evaluation of the reasons and a few recommendations are made which have positive practical implications.

Keywords

Asset Quality, Capital Adequacy Ratio, Development Envelopment Analysis, Doubtful Assets, Financial Intermediation, Financial Sector Reforms, Interest Rate Spread, Loan Servicing and Collateral, Loss Assets, Non-Performing Assets, Private Sector Banks, Pu

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T. Srivenkataramana ¹, M. Saisree ²

Affiliations
1 UGC, Bangalore University, IN
2 Quantitative Methods and Operations, ICFAI Business School, Bangalore, IN

Abstract

With increasing web accessibility and popularity, Web-Based-Surveys (WBS) are becoming common and convenient. In spite of the lower cost and greater speed advantages, there are a few concerns with WBS, including sample randomness. This article reviews WBS scenario briefly, mentions advantages and concerns sources of error. The question of noncoverage is addressed in particular and its impact is examined and this study addresses the category of non-respondents. A few seed ideas for addressing the shortcomings of the WBS are given.

Keywords

Bias, Dual-Frame Sampling, Internet, Noncoverage, Nonresponse, Randomness, River Sampling, Web-Based Surveys.

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T. Srivenkataramana ¹, Gopabandhu Mishra ², M. Saisree ³

Affiliations
1 Bangalore University, Bangalore, IN
2 Utkal University, Bhubaneswar, IN
3 IBSB, Bangalore, IN

Abstract

Web based surveys (WBS) are becoming increasingly common due to widening net connectivity. WBS mode has its positive and negative points. Cost and time reductions are on the plus side while the question of randomness of sample, nonresponse and quality of response are on the other. Thus, WBS presents a mixed bag. This paper examines the reasons for nonresponse in WBS. The often quoted reasons are examined using Factor Analysis. It is found that design is a predominant factor.This aspect is further examined by analyzing the effect of positioning of demographic block, using ANOVA. It is noted that this block in the beginning of the questionnaire results in more drop outs as compared to it being later on. Also examined is the impact of sensitivity of questions and its interaction with the positioning of demographic block.

Keywords

ANOVA, Demographic Block, Factor Analysis, Noncoverage, Nonresponse, Questionnaire Design, Web Based Surveys.

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T. Srivenkataramana ¹

Affiliations
1 Department of Statistics, Bangalore University, Bangalore, IN

Abstract

This article reviews the role of self reporting (SR), by survey respondents in business research, given the now widely spread web and online facility with readily accessible panels. In this context, it outlines (a) the effects of response format (b) uses of SR information (c) dropout pattern on the web, together with affecting factors and (d) dual frame sampling for rare groups. Relevant empirical evidences, wherever necessary, are cited.

Keywords

Dual Frame Sampling, Self Reporting, Telephone Cluster Sampling, Web Based Design.

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T. Srivenkataramana ¹

Affiliations
1 Department of Statistics, Bangalore University, Bangalore, IN

Abstract

The traditional literature applying statistical sampling to auditing sometimes overlooks the special structure of audit populations. Much of the literature is based on techniques developed for sample surveys. Of late there is an increasing awareness to take note of the unique environment in which audit sampling takes place and to incorporate all available auxiliary information to improve the precision of estimators. The present paper begins with a brief historical review and then focuses on the special nature of audit populations. This is followed by the description of a class of auxiliary information estimators and the occasional problem caused by situations of low frequency of errors but with large magnitudes. Next, monetary unit sampling is reviewed and key unit sampling is proposed as an alternative when the former may not apply. An outline of a Bayesian formulation to use prior information is provided. Finally, guidelines are provided for a choice of procedure enumerating the major factors to be considered.

Keywords

Audit and Control, Key Unit Sampling, Monetary Unit Sampling.

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T. V. Srinivas ¹, T. Srivenkataramana ², T. V. Raju ³, N. S. Viswanath ⁴

Affiliations
1 Manipal University, IN
2 Department of Statistics, Bangalore University, IN
3 R. V. Institute of Management, Bengaluru, IN
4 M. P. Birla Institute of Management, IN

Abstract

This paper introduces the concept of a coverage process. It proposes and analyses a cuboid model for coverage processes seeking multi-dimensional expansion. The WHO view of Universal Healthcare is used as a seed to first develop a cube model. The conditions for optimum coverage are derived. The model is then generalized into a cuboid and some of its mathematical properties are investigated. The model has applications in areas like universal insurance, multiple financial inclusion campaign, immunization drives and service quality. This model is forerunner for intrinsic link between organization’s objectives with that of service quality delivery for effective relationship between clients and the organization.

Keywords

Coverage Rate, Cuboid Model, Geometric Mean, Impact factor, Linear, Geometric and Continuous Changes, Service Quality, Total Service Quality (TSQ) and Universal Healthcare.

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