UWU Repository :: Browsing by Author "Fernando, A.G.N.K."

Browsing by Author "Fernando, A.G.N.K."

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Applicability of the Risk Model Identified by Basel Framework on Advancing Financial Performance: Special Reference to Licensed Commercial Banks in Sri Lanka
(Uva Wellassa University of Sri Lanka, 2020) Sanjeewani, D.M.N.M.; Gunarathne, Y.M.C.; Fernando, A.G.N.K.
The Basel framework is an international regulatory accord that introduced a specially designed set of reforms to improve the regulation, supervision, and risk management of the banking sector. Credit risk, market risk, liquidity risk, and operational risk are the main four risk factors in the Basel III framework. As the risk being the main challenge faced by the banks, they tend to apply the Basel framework to mitigate it but they are exposed to various risks and thus the performance of the freamework is not guaranteed. Therefore, this study endeavored to explore the applicability of the risk model identified by the Basel framework on advancing the financial performance of licensed commercial banks in Sri Lanka. Further, this study expects to identify other risk factors which are not identified by the Basel III framework to develop a new risk model. This study was conducted using a mixed-methods approach. The quantitative method was applied to investigate the risk in Basel framework on financial performance and data were collected from 10 licensed commercial banks for a span of 10 years. The qualitative approach was used to identify other risks faced by the banks and data were collected from 10 bank managers using the in-depth interview method. The panel data regression analysis was used to analyze the quantitative data using E-views software. The thematic analysis was used to analyze qualitative data. The results revealed that there is a significant relationship between capital adequacy ratio in credit risk and the financial performance while other risk factors show an insignificant relationship. Then, the researcher has expanded the Basel Framework by introducing a new risk model using the thematic analysis. The researcher recommended to apply the most compatible risk model to derive better measurement to calculate bank risk in future research. Keywords: Capital adequacy, Financial performance, Basel Framework, Bank risks
An Empirical Study on the Impact of Job Rotation Practices on Employees Job Performance: Comparative Study of Public and Private Licensed Commercial Banks in Colombo District
(Uva Wellassa University of Sri Lanka, 2019-02) Shehansi, N.B.A.S.; Gunarathne, Y.M.C.; Deyshappriya, N.P.R; Fernando, A.G.N.K.
Job rotation is a movement of employees from one task to another at a given time period. Offering job rotation to employees in a different way has become an important strategy to enhance employees’ job performance in any organization and make them more committed towards their tasks. However, there are limited empirical studies focus on job rotation and employees job performance in banking sector. Similarly, there is no consensus among scholars about aforementioned relationship. Therefore, this study was conducted as a comparative study between private and public banks in order to identify the relationship and the impact of job rotation practices on employees’ job performance with reference to the domestic licensed commercial banks. Data were collected by using convenient sampling method and the sample consisted of fifty bank employees from public licensed commercial banks and fifty bank employees from private licensed commercial banks from the Colombo district. Data analysis was performed using Descriptive Statistics, Pearson Correlation analysis and Multiple Regression analysis. Results of the analysis indicated that, job rotation practices significantly and positively associate with employees’ job performance in private and public banks. Multiple regression analysis discovered that cross functional job rotation is the most significant factor of employees’ job performance among private and public banks. Outcomes of this study provided implications like enhancing available literature, to understand the real impact of job rotation on employees’ job performance to managers which drive them to enhance the better rotational activities. This study also suggests some further research areas for future research.
The Impact of Brand Exposure through Brand Ambassador on Consumer Purchasing Intention in Sri Lanka (With Special Reference to Millennial Audience)
(Uva Wellassa University of Sri Lanka, 2019) Withanage, O.S.; Fernando, P. I. N.; Fernando, A.G.N.K.
With the increasing competition in today’s market, it has become a common practice to use brand ambassadors to endorse brands without being restricted only to celebrity endorsement. Unlike celebrity endorsers who merely appear on advertisements, brand ambassadors represent the company in public as its employees. Companies may often have certain doubts whether they can have a large reach and a positive influence over the marketing process, as they are being signed for a large sum of money. Since most researches have been focused on the celebrity endorsers’ impact over consumer behavior, this study’s objective is to assess the impact of brand exposure through brand ambassador in terms of ambassadors’ gender, credibility, attractiveness, endorsement type and multiple product endorsement on consumer purchasing intention. The sample of this study is 200 millennials from Colombo district, selected using stratified sampling and mall intercept technique who purchase products endorsed by brand ambassadors. A questionnaire was used to collect primary data and analyzed using SPSS software. The results obtained implied that there exists a weak positive relationship between overall brand ambassador endorsements and consumer purchasing intention. It was also observed that endorser gender, endorser credibility, endorser attractiveness and endorser type have weak positive relationships with consumer purchasing intention and a weak negative relationship with multiple product endorsement. Hence it can be concluded that all the dimensions have a significant impact on consumer purchasing intention in Sri Lanka. Further, according to the regression model, endorser credibility was identified as the most influential factor for consumer purchasing intention. Thus, it is recommended that when selecting brand ambassadors, marketers should be more focused on the expertise of the endorser which makes him/her credible for the marketing of the product or service than other attributes.
Impact of Brand Personality and Brand Engagement on Purchasing Behaviour of Cosmetics Products: Is There Any Mediating Effect of Brand Trust?
(Uva Wellassa University of Sri Lanka, 2019) Hewa Pathage, T.D.; Fernando, P.I.N.; Fernando, A.G.N.K.
Branding is a vital factor in the current market set-up in creating competitive business opportunities. Brand personality, brand engagement and brand trust are highly contributory brand related attributes for creating a positive brand image, affecting consumer purchase behaviour. However, lack of research attention has been given on these concepts integrated together as a whole. Therefore the primary objective of the research was to bridge this research gap while identifying the impact of brand personality and brand engagement on consumer purchase behaviour. The study developed a model to identify the impact of brand personality and brand engagement on consumer purchase behavior of cosmetics products. Further the mediating effect of brand trust has been examined. Data was collected from 300 cosmetics product consumers from Western Province using multistage sampling. As the analysis methods; Descriptive analysis, Coefficient correlation, Regression analysis, and Mediator analysis have been conducted. Baron and Kenny mediator analysis method was conducted to identify both the mediatory effect and the indirect effect of the variables. Findings revealed a strong positive association between brand personality and brand engagement on consumer purchase behavior, and brand engagement was identified as the most contributory factor. Further, findings revealed that brand trust partially mediates the relationship between the two independent variables with the constant at values of 66.3% for brand personality and 29.3% for brand engagement. The results provide useful insights to brand, marketing and product design managers in order to formulate competitive business strategies. The study highlights the need for more consumer involved branding strategies in order to ensure that the customers are more engaged with the brands which reflect their personality traits.
The Impact of Corporate Social Responsibility on Competitiveness of SMEs in Sri Lanka: Special Reference to Gampaha District
(Uva Wellassa University of Sri Lanka, 2019) Abeygunawardhana, A.G.C.; Ranasinghe, J.P.R.C.; Fernando, A.G.N.K.
Corporate Social Responsibilities (CSR) has become an important strategy for gaining competitive advantage. Small and Medium Enterprise (SME) sector is playing a major role especially in a developing economy like Sri Lanka and trend to fail due to various reasons like lack of competitive Strategies. Therefore, it is necessary to identify how significantly the CSR influence on the competitiveness of the SMEs. The primary objective of the research is; “to investigate the impact of CSR on competitiveness of SMEs in Sri Lanka”. The secondary objectives were “to investigate the relationship between each factor of CSR and competitiveness of the SMEs in Sri Lanka” and “to identify the most influential factor of CSR on competitiveness of the SMEs in Sri Lanka”. A self-administered questionnaire was fielded to collect primary data over a conveniently drawn sample of 100 respondents who were the owners and the managers of SMEs. Descriptive statistics, correlation coefficient and regression analysis techniques were used to analyze the data. According to the findings social oriented CSR activities has the most significant impact on the competitiveness of the SMEs and environment oriented CSR activities has the least impact. Therefore the SME owners and manager should carry out CSR program to increase the impact of all these factors majorly social oriented CSR activities. Because it gives a strong significance. Since all four factors have a positive impact towards the competitiveness of the SMEs, by improving the impact of them will affect positively to the enterprise to gain long term competitive advantages.
Impact of Microfinance Services on Growth of Micro Small and Medium Scale Enterprises (With Special Reference to Micro Small Medium Scale Enterprises in Kalutara District)
(Uva Wellassa University of Sri Lanka, 2019) Rathnayake, K.M.N.D.; Fernando, P. I. N.; Fernando, A.G.N.K.
Micro, Small and Medium Scale Enterprises (MSME) sector has been identified as an important strategic sector to create economic and societal sustainability in Sri Lanka. The sector is playing vital role in economic growth, regional development, employment generation and poverty reduction in emerging economy of Sri Lanka. The Micro Finance Institution (MFI) have been developed the variety of services to assist the financial and non- financial needs of the entrepreneurs including credit, saving, leasing, insurance facilities and training programs. The research developed to address knowledge gap which was raised from literature. Therefore objectives derived to explore the impact of microfinance services on growth of MSMEs and explore the impact of micro credit, micro savings, and training on growth of MSME. Further study explores the effect of mediator on growth of MSME through Microfinance services. Sample has been derived from Kalutara district and 100 numbers of respondents have been selected through the random sampling method. Primary data has been collected and administered through questionnaire. The data were analysed using descriptive analysis, correlation coefficient analysis, Regression analysis, Baron and Kenny mediator analysis method and Sobel test. The findings revealed the positive relationship between Microfinance services and growth of MSMEs. Mediator analysis and the Sobel test identified that experience level partially mediate the relationship between the microfinance services and growth of MSMEs. Study recommends to government implement different tax policies for this sector, increase the investment on infrastructure in rural areas and this enable MFIs to maintain lowest rate of interest, increase their outlets in rural areas and to deliver more effective on training programs in order to empower the MSMEs in Sri Lanka to achieve long term sustainability in Sri Lanka.
Influence of Internal Corporate social Responsibility on Employee Retention (With Special reference to the apparel Industry in Sri Lanka)
(Uva Wellassa University of Sri Lanka, 2016) Fernando, A.G.N.K.
Apparel industry in Sri Lanka is experiencing a high labour turnover ratio. Employee Retention is emerging as one of the most critical issues impact on the competitive advantage. Nowadays organizations have become aware in internal marketing strategies to ensure a lower turnover rate. Internal Corporate Social Responsibility (CSR) has been creating so much attention in the minds of the employees during the recent years which can be used in internal marketing of an organization. Thus, the study based on the three objectives; first, it explores the relationship between Internal CSR and employee retention. Second, study aims to identify how intrinsic motivation, mediate the relationship between internal CSR and employee retention. Finally, to determine the internal CSR activities which the apparel industry should pay more attention for better employee retention. Questionnaires were distributed by using convenience sampling method to collect primary data from 150 employees working in top three apparel giants in Sri Lanka. The data were analysed using correlation coefficient, Baron and Kenny mediator analysis method and Sobel test. The results of the study indicated that there is a positive relationship between Internal Corporate Social Responsibility and Employee Retention. Mediator analysis and the Sobel test identified that intrinsic motivation partially mediate the relationship between the Internal CSR and Employee Retention. The findings of the study support to the human resource managers of apparel industry to ideptify career development, Supportive working conditions, Individual benefits and working patterns as the internal CSR activities which the apparel industry should pay more attention to develop their retention programs in future.
Influence of Marketing Mix Variable on Consumer Buying Behavior of Mobile App-Based Taxi Service in Sri Lanka (Special Reference to Colombo Metropolitan Area)
(Uva Wellassa University of Sri Lanka, 2020) Wijayasundara, W.M.D.N.B.; Kulathike, C.J.P.; Fernando, A.G.N.K.
Conventional taxi service is converted into a mobile app-based taxi service through a technology revolution. In Sri Lanka, people in the Colombo metropolitan area widely use this service due to heavy traffic and easiness. When mobile app-based taxi companies provide service, they cannot ignore service marketing mix and consumer buying behavior. However, there is a significant lack of empirical studies regarding the mobile app-based taxi service in Sri Lanka. The objectives of this study were to identify the impact of marketing mix variables on consumer buying behavior of mobile app-based taxi service and to identify the relationship between marketing mix variable and consumer buying behavior of mobile app-based taxi service. 150 respondents participated in this study and the convenience sampling method was used as the sampling method. For the research, data collection was done through questionnaires and those primary data were collected from the Colombo metropolitan area. Data were analyzed by correlation coefficient analysis and multiple linear regression techniques. The findings indicated that service marketing mix variables and consumer buying behavior of mobile app-based taxi service had a significant positive relationship. The research revealed product, process, and physical evidence significantly impacted the consumer buying behavior of mobile-app based taxi service. According to the study, results were able to provide a strong implication on the knowledge available regarding the relationship between the service marketing mix and consumer buying behavior of mobile app-based taxi service. Key words: Service marketing mix, Consumer buying behavior, Mobile app-based taxi service, Colombo metropolitan area
Social Entrepreneurship and Impact on Securing Triple Bottom Line in Social Enterprises
(Uva Wellassa University of Sri Lanka, 2020) Ulugethenna, D.G.U.N.; Jayawardhana, A.A.K.K.; Fernando, A.G.N.K.
Creation of innovative solutions to solve most pressurized social problems is the core of social entrepreneurship while performing the major role of changing agents by social enterprises and entrepreneurs. The study questioning the rise of social enterprises to balance economic, social, and environmental factors in the Sri Lankan economy. Thus, this study aims to determine whether the social entrepreneurship dimensions help social enterprises to secure the triple bottom line by drawing from the knowledge and empirical gaps. Online questionnaires were used as a research instrument to collect data from 137 selected social enterprises through a quantitative research approach. Cronbach’s alpha value has ensured the reliability of the questionnaire developed based on past literature. Data were analyzed using descriptive, correlation, and regression analysis. The findings prove that social entrepreneurship positively impacted on achieving triple bottom line goals and highly impacted environment performance rather than economic and social. Finally, this study recommends beginning discussions regards to the social entrepreneurship to fill the academic and industrial lacuna in Sri Lanka. Keywords: Social entrepreneurship, Social entrepreneur, Social enterprise, Social entrepreneurial dimensions, Triple bottom line
A Study on SME’s Adoption of Internet Banking in Sri Lanka
(Uva Wellassa University of Sri Lanka, 2019) Weerakkody, W.M.M.G.N.U.; Kulathilake, C.J.P.; Fernando, A.G.N.K.
Internet banking activities came into existence as a result of the evolution of new technology and it allows the customers to undertake their banking activities even staying at home. In general it is a feature introduced by the banks to its customers to log into their individual registered domain account on bank website and do almost every transaction they do by visiting the bank. It is a good opportunity especially for the business owners of the country. Owners of Small and Medium Enterprises (SMEs) play a vital role in today’s business world. When making business decisions, owners’/managers’ characteristics are considerable and their adoption to e-commerce is significant. Hence, the current study investigate the SMEs adoption of internet banking in Sri Lanka. The researcher’s attempt is to identify the level of internet banking adoption by SMEs, the impact of perceived ease of use, perceived usefulness and attitude on internet banking adaptation and the most significant factor impact on internet banking adoption by SMEs. For the current investigation, all the consumers who use internet service in SMEs in Colombo District is used as the target population and 200 consumers (SME owners) are selected as the sample by using stratified sampling technique. Primary data was collected through a self-administered questionnaire. The collected data was analyzed using correlation analysis, regression and descriptive analysis methods. The findings of this study supports the previous findings on the similar area. The results of this study showed that there is a positive impact of perceived ease of use, perceived usefulness and attitude on internet banking adaptation. Further, it revealed that all factors are positively impact on internet banking adoption by SME’s while perceived usefulness showed the highest impact.
A Study to Assess Impact of Attitude on e-shopping Behavior of Consumer’s Household Electronic Items Mediated by Purchasing Intention
(Uva Wellassa University of Sri Lanka, 2019) De Silva, U.N.; Fernando, P.I.N.; Fernando, A.G.N.K.
The emerging digital economy has opened new chapter for e-retailing. Nowadays, Eshopping has become trending filed either no research or a proper discussion conducted in Sri Lanka. Attitude towards E-shopping’s behavior has been ever changing at a rapid pace with diversifications. E-shopping attitude refers to consumers’ psychological state of making purchases via Internet. Hence, the study has been addressed two objectives; to identify impact of attitude on E-shopping behavior of consumers, to identify the impact of attitude on E-shopping behavior of consumer purchasing household electronic items mediated by purchasing Intention. Sample has been distributed from 300 E-shoppers in western province following multi-stage sampling method and data has been gathered through google form. Based on analysis data, largely consumers buy household electronic items (42.3%) via E-bay. Coefficient Correlation and Regression analysis base results Attitude revealed a positive impact on E-shopping behavior while Subjective norms and Perceived usefulness shown the significant relationship with E-shopping behavior. According to Baron & Kenny Mediator analysis has shown a significant mediating effect (34%) of Purchasing intention on the relationship between Attitude & E-Shopping Behavior. The research had yielded fruitful results to realize that Sri Lankan people face delay delivery and cheap quality products mainly. Also, majority of female young educated consumers are interested in doing E-Shopping but hesitate to purchase luxury products due to lack of trust towards e-retailers. As the recommendations, websites must hike the customer’s feedback level, low cost of products, services & many other features regarding purchasing. Further study suggests managerial implications as digital market platform development standards in Sri Lanka.

Browsing by Author "Fernando, A.G.N.K."

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