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The Competitive Environment of Community Banking: Impact on Microenterprise access to Bank Financing
... Therefore, it is important to understand how deregulation has changed the competitive environment of community banking and examine the two distinct environments, rural and metropolitan, where community banks operate. Previous studies have treated community banks as a homogenous group despite the fact that metropolitan community banks account for over 80% of US bank failures (Morrison, Jung, Jackson, Escobari, & Sturges, 2016). Using FDIC variables that contribute to bank profitability, this study demonstrates that there is a difference in the two competitive environments and highlights the need to segregate when conducting research on US community banks. ...
This study compares 5,286 community banks operating in rural and metropolitan counties from 2000 through the end of 2013 on the variables attributing to bank profitability using pooled OLS, pooled time-series OLS, and dynamic panels methodologies. Following the SCP and competition-fragility literature, one would expect a difference in the variables contributing to profitability. The size of the coefficients indicates that the variables contributing to profitability differ in magnitude when comparing community banks in metropolitan counties to those in rural counties. Both the pooled and time-series OLS models indicate that bank size contributes to profitability more in metropolitan areas.
The main purpose of the study was to examine the effect of liquidity management on financial sustainability for selected private secondary schools in the lake zone. Specifically. The first objective was to determine the factors of liquidity management that affect the financial sustainability of selected private secondary schools in the Simiyu and Mwanza. The research approach was quantitative in nature while the research design was descriptive. The targeted population was 192 financial administrators and applied the sampling formula to determine the sample size of 130 administrators who participated from 83 and 13 secondary schools from Mwanza and Simiyu respectively. The results indicated that financial administrators agree economic conditions, unreliable cash flows, poor internal control systems, limited policies or procedures and lack of knowledge of liquidity management pose a threat to long-term financial sustainability of selected private secondary school in Simiyu and Mwanza. According to the results supported by empirical data, it is appropriate to conclude that technical factors, liquidity risk management factors, profitability factors and economic factors have a significant effect on financial sustainability of private secondary school located in Simiyu and Mwanza. Secondary school should formulate policies and regulations about liquidity management with the sole purpose to maintain long-term financial sustainability.
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