Research Article
An Analysis of Students' Satisfaction on Mobile Banking Service of Rocket: A Case Study on Islamic University
Saima Sultana, Abdullah Al Maruf, Mohammed Abdul Jalil
Middle East Research Journal of Economics and Management; 166-173.
DOI: https://doi.org/10.36348/merjem.2024.v04i05.004
Mobile banking has rapidly grown in Bangladesh, providing essential financial services to underserved populations, particularly students, through platforms like Rocket (DBBL Mobile Banking). This study evaluates the satisfaction level of students at Islamic University regarding Rocket’s mobile banking services, focusing on service quality, security, perceived cost, and ease of use. A descriptive research method was employed, using a structured questionnaire distributed to 100 students at Islamic University who are Rocket users. The survey examined variables such as service quality, security, perceived cost, and perceived ease of use. Data were analyzed using descriptive statistics, Pearson correlation, and multiple regression analysis to identify the factors affecting satisfaction. The analysis revealed that 72% of respondents were male, and 83% were aged between 21 and 25 years. Approximately 67% of students had used Rocket for over one year. Perceived ease of use had the highest influence on satisfaction (69.8%), followed by perceived usefulness (51%). Security and perceived cost had moderate impacts, with 46% and 44% correlations, respectively. Service quality showed a weaker correlation (26.7%), indicating room for improvement. Overall, 75% of students expressed satisfaction with Rocket’s services, though concerns regarding transaction delays and service charges were noted. The findings indicate that while students are generally satisfied with Rocket’s mobile banking services, improvements in service quality and reduced transaction costs are needed to enhance overall satisfaction.
Research Article
Effects of Microcredit on Socio-Economic Development Indicators: A Study of Ansar-VDP Unnayan Bank Beneficiaries in Bangladesh
Dr. Md. Shahjahan, A. S. M. Sarwar, Shamima Akter, Tasmia Tarannum
Middle East Research Journal of Economics and Management; 174-182.
DOI: https://doi.org/10.36348/merjem.2024.v04i05.005
Introduction: Bangladesh, a pioneer in microfinance since the 1980s, leads the world in microfinance operations aimed at low-income individuals, often women, in informal businesses. Despite its widespread use for development, the full impact of microfinance on socio-economic indicators remains unclear. This study aims to analyze this influence. Research Question: Despite decades of microfinance for development and poverty reduction, the extent of its impact remains unclear. While many researchers acknowledge microcredit as a tool for socio-economic development, others remain sceptical. This study aims to analyze the influence of microcredit on socio-economic development indicators. Methodology: The researcher compiled a comprehensive list of relevant indicators through a literature review. They then investigated which indicators are most impacted by microcredit, aiming to develop practical strategies to maximize the effectiveness of microcredit programs. Ansar-VDP Unnayan Bank, the sole government-owned bank dedicated to poverty alleviation through microcredit, was chosen as the study site. With a target population of 5.6 million, primarily living below the poverty line, Ansar-VDP Bank serves a significant portion of Bangladesh's impoverished population. Data Collection: Data collection involved structured and semi-structured questionnaires administered by trained bank managers. Results: The study found that microcredit impacts all analyzed indicators, with significant effects on calorie intake and income levels. While other indicators may be influenced, the impact was less pronounced. These findings suggest that microfinance practitioners should prioritize key indicators to achieve the desired outcomes, as positive change in these key areas can potentially influence other indicators.
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