Commerce and Management
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Item Factors Influence on Purchasing Intention of Fashion Clothing Through Online Platforms(Department of Marketing Management, University of Kelaniya, Sri Lanka, 2017) Wanniarachchi, T. M.; Thilakarathne, B. L. S.; Wijesundara, B.This paper focuses on the impact made by social media characteristics on purchasing Intention towards fashion clothing through the online platforms. The main research objective of the study is to identify the level of influence made by the characteristics of trust, perceived online risk, convenience, and online reviews on the consumer buying intention. The survey method was used to collect data from the sample and a sample of 204 consumers was selected through convenient sampling method. A properly structured questionnaire was distributed among the selected sample. Likert scale questions were analyzed by coding different values for each response. Correlation and regression analysis have been employed to test the hypotheses based on the result. Qualitative data via open ended questions were used to get a deeper understanding on consumer purchasing intention and online platforms used by the industry. There is a strong positive relationship between online reviews and the consumer purchasing intention. Further, it was found out that there is a moderately positive relationship exists between the trust and the consumer purchasing intention. The empirical evidence suggesting the negative relationship of risk and the consumer purchasing intention was not supported with the statistical data and analysis of the study. This research would have given a broader idea on online buying intention if conducted covering all the segments in Sri Lanka. As a conclusion remark of the study, researchers recommend fashion and clothing companies to focus more on their core business activities on online platforms which may lead to positive reviews and recommendations. This would enhance the consumers’ purchasing intention in the long run. Further the study recommends that the online businesses should pay more attention on factors emphasized by the customers in purchasing clothing online.Item Factors Affecting Intention to use Mobile Money Service in Sri Lanka: Moderating Effect of Demographic Factors with reference to Western Province of Sri Lanka(Faculty of Commerce and Management Studies, University of Kelaniya., 2021) Sanjeewa, H. H. D.; Yatigammana, M. R. K. N.Mobile money service allows mobile users to perform financial transactions using their mobile phones which helps to decline the physical use of money. Therefore, the objective of the study was to identify the factors affecting intention to use mobile money service in Sri Lanka and the relationship between those identified factors and intention to use mobile money services. Further, the study is carried out to assess the moderating impact of demographic factors on the relationship between those factors and the intention to use mobile money. The data collection was carried out through a structured questionnaire from 400 randomly selected participants of Western province Sri Lanka. Usefulness, trust, risk, awareness, and knowledge are identified as the key factors affecting the intention to use mobile money service. There was a significant positive relationship between usefulness, trust, awareness, and knowledge with the intention to use mobile money while the risk was significantly negative. Further, the moderating impact of demographic factors on the above-identified five factors was assessed and it was noted that gender and age do not moderate the relationship between the above-identified five factors and user intention, but income level and job title moderate the relationship between above-identified factors and user intention. Based on the results of the study it is recommended that mobile telecom operators should take actions to increase usefulness, trust, awareness and knowledge while taking actions to decrease the risk factors involving in the service. Further, it is recommended to consider education level and working experience as moderating demographic factors of factors effecting on intention to use mobile money services.Item The Next Generation of Balanced Scorecard.(8th International Conference on Business & Information ICBI – 2017, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka., 2017) Askarany, D.Balanced Scorecard (BSC) is one of the most talked about performance measurement systems of the past three decades which focuses on both financial/finance and none financial perspectives of organizations. So, it is an important topic to be discussed in the field of finance in related to any region including China. Since its first introduction in 1990,s, there have been some important changes to promote and facilitate its adoption in practice such as the introduction of the Second Generation and the Third Generation of Balanced Scorecard. However, many current and potential adopters of the BSC are not convinced that the technique is able to present a comprehensive picture of organizations’ performance. This paper is aiming to address some of the shortcomings of the BSC in practice and provide some suggestions for its improvement which can be called the next generation of the balanced scorecard.Item Reflections on Various Investment Avenues in India: An Empirical Investigation with a Long-Term Perspective.(8th International Conference on Business & Information ICBI – 2017, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka., 2017) Joseph, B.; Ramanathan, H. N.; Chacko, P. S.; Abraham, S.Since the inception of the New Economic Policy in 1991, Indian investors have accessibility to a variety of investment avenues which suit their risk tolerance. Traditionally, the people of India have an affinity to low-risk investment avenues. Indian investors prefer gold as an attractive investment option due to its positive relationship with the uncertainty in inflation. The present study makes an attempt to identify the best individual investment options. The study is focusing on three investment assets – Gold, Government Bonds and Bank Fixed Deposits. The economic reforms in India during 1991 helped the researcher to frame the foundation for the study. The study winds up with an interesting conclusion that even if gold is considered as an attractive and safest investment asset, in reality, it has higher risk and lower return when compared to other investment avenues like bonds and bank fixed deposits.Item Impact of Bank-Specific and Macroeconomic Determinants on Commercial Bank Profitability: with Reference to Systematically Important Private Commercial Banks in Sri Lanka(Department of Accountancy, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka, 2016) Samarathunga, S.M.D.S.S.; Madurapperuma, M.W.Bank-specific and Macroeconomic factors have substantial repercussions on the performance of commercial banking sector in Sri Lanka, the favorable macroeconomic environment seems to stimulate higher profits. (Weerasainghe V.E.I.W & Perera T.R, 2013).The return on Assets which is a major measure of performance of commercial banks is a function of bankspecific determinants and macroeconomic determinants. A proper functioning of banking system facilitates a rapid economic growth enhancing savings and investments. The performance of the Sri Lankan commercial banks, measured by the Return on Assets (ROA) appeared to be stronger in the recent past without facing any significant fluctuations. This paper examined the impact of bank-specific and macroeconomic determinants on the profitability of licensed commercial banks. The study uses quarterly data from 2010-2015 relating to the bank-specific and macroeconomic indicators of commercial banking profitability by carrying out a multiple panel regression. According to empirical results, Macroeconomic determinants, gross domestic production rate and inflation rate found to be having a significant impact on the bank profitability with a positive relationship between the Return on Assets of a bank. The results further show that bank-specific factors of past period performance, net interest margin, bank size, liquidity risk, credit risk and capital adequacy have contributed significantly to the profitability of the commercial banks. The implication of the study is that efficient management of the bank-specific factors and implementation of favorable economic policies lead to an economic growth can contribute immensely to uplift the performance of the banking industry in Sri Lanka.Item Financial Performance of SBI Mutual Funds: An Analysis(Department of Accountancy, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka, 2016) Baral, S.K.When we talk about mutual funds, putting all our eggs in a single basket is never a wise decision. This is due to the market volatility and the risks involved in it. But one can minimize risk by distributing his investments among various financial instruments, industries and many more options. Here the intent is to maximize returns by investing in diversified areas, where each would react differently to the same event. This not only buffers the impact of a market downturn, but also allows for more potential rewards by offering a broader exposure to various stocks and sectors. A mutual fund is a pool of money from various investors who wish to save or make money. Investing in a mutual fund can be easier than buying and selling individual stocks and bonds on our own. Investors can sell their shares when they want. The main objective of this paper is to analyze the financial performance of State Bank of India (SBI) mutual funds.Item Challenges Faced by Sri Lankan Banks in Financing for Sustainable Growth in SME Sector(Department of Accountancy, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka, 2016) Weerasekera, W.K.N.M.This research paper focused to address the supply side finance gap in banks’ perspective. The main objective of this study is to determine and explain the impact of the challenges relating to bank’s risk appetite, collateralized lending, cost implications of financing and expertise of bank officers in financing for a sustainable growth in SME sector. Hypotheses were developed based on empirical studies across the world and tested in Sri Lankan context. Likert scale was used to analyze the primary data collected from the survey to determine each hypothesis. The research revealed that all variables are related in bank financing for SMEs but only collateralized lending and expertise of bank officers are the significant challenges faced by banks in this business. The findings provide new insights to improve and encourage the performance of bank financing, recommending the intervention of regulators and policy makers to contribute to soften the negative impacts in SME lending.Item Does the Mode of Opportunity Identification Influence the Innovativeness of Small Businesses? A Study in Sri Lanka(University of Kelaniya, 2015) Upananda, W.A.; Kumara, U.E.S.There is a growing concern about the heterogeneity of the nature of small businesses in a given context. The difference between opportunity discovery and creation (mode of opportunity identification) may explain this heterogeneity. Then the wealth creating ability also may vary with the mode of opportunity identification although entrepreneurship literature is silent in this regard. Then the purpose of this study is to explore the wealth creating potential (innovativeness) of small businesses with regard to the mode of opportunity identification. Entrepreneurship literature informs that opportunity discovery under risk is different from opportunity creation under uncertainty although these terms has been used interchangeably. Few studies show that context may have influence over the opportunity identification. Few studies show that entrepreneurs who create opportunities are ordinary and attempt to avoid uncertainty while those who discover opportunities are unique in ability of discovering opportunities and bear some risk. However studies which explore the relationship between the wealth creating potential and mode of opportunity identification are rare. Exploring gaps in research knowledge base on the nature of businesses emerged under opportunity discovery and opportunity creation with regard to research question ‘How the mode of opportunity identification influences the innovativeness of small businesses’. In consistent with entrepreneurship literature, the nature of business viewed in this study as wealth creating potential. This study builds on theories and assumptions pertinent to opportunity discovery and creation and employs case study method to explore the behaviour of small business owners in rural and urban settings. The rationale of selecting rural setting is that rural entrepreneur has no prior business experience to understand the probability of outcomes while urban entrepreneurs have prior business experience to understand the probability of outcomes to take calculated risk. This study has selected six cases after screening 178 cases in the rural setting and 111 cases in the urban settings in the North Western Province of Sri Lanka in 2010. Analysing within cases and cross cases employing pattern matching technique, this study shows that businesses created in the rural context are comparatively non-innovative than those small businesses discovered under opportunity risk.