Purpose of the study: The purpose of the study was to critically analyze the effectiveness of banks’ performances and to examine the associations amongst the asset management, banks’ size, operational efficiency, and their impact on the bank’s performance. Design/Methodology/Approach: The secondary data was obtained from the annual reports of five selected commercial banks of Oman listed in the Muscat Securities Market (MSM) for the period 2013 to 2019. The collected data was analyzed through financial ratios using excel and SPSS and was used to evaluate the banks’ performance. Findings: The study revealed that the Operational Efficiency (OE) of the selected commercial banks had an impact on the Return on Assets (ROA); advances of the selected commercial banks had an impact on the interest income whereas operational efficiency of the selected commercial banks had NO impact on the Interest Income. The study further confirmed that Bank Muscat proved to be the bank that performed well over the years 2013 to 2019. Research Implications: The study proved that the banks’ financial performances can be measured through the assets size, asset management, and equity management using ratio analysis which can be a good measure to adjudge the financial performances of the banks. Social Implications: The study helps the stakeholders of the banks to understand the factors and the banking activities that might help to enhance the financial performances of the banks and to take necessary action and suitable decisions accordingly. Originality/value: The study was restricted to five selected commercial banks of Oman and the study had relied mostly on quantitative techniques involving ratio analyses. The study can be extended to all the commercial banks in Oman including the most determining factor viz. customer satisfaction. Keywords: Financial Performance of Banks, Operational Efficiency, Return on Assets, Return on Equity, Interest Income, Ratio Analyses
Purpose: The research objective was to critically analyze the factors responsible for the gender differences in Oman Entrepreneurship and to critically analyze the prevailing gender differences amongst the motivating factors and the survival factors in running the businesses in Oman. Design/methodology/approach: The research data was collected using a well-structured questionnaire and the data was obtained personally. 381 samples were collected from the population who were reported to be successful entrepreneurs. The selection was obtained from the entrepreneurs’ list provided by the Government Scheme Agencies in Oman like SANAD/RIYADA and the analysis was done using SPSS. Findings: The study revealed that both genders considered ‘To obtain a social status’, ‘To use innovative ideas’, ‘To become own boss’, and ‘Success of other entrepreneurs’ as the motivating factors. Further, males have also considered experiences and professional contacts whereas females have considered working independently and excelling with their self-confidence. The study also revealed that both genders insisted on Start-up capital, Self-confidence, Working capital, and Previous business experience, and Religious consciousness factors as the essential factors to run the businesses. Further, male entrepreneurs considered Training as one of the factors required to run the business whereas the female entrepreneurs considered the Right choice of location as a required factor. Research limitations/implications: It is recommended to address the gender differences of entrepreneurship in policies to support private-sector development in Oman and to design effective Entrepreneurship education programs for the future. It is required to follow up on the performance of the female-owned entrepreneurial start-ups so that their goals and objectives can be successfully fulfilled during their life cycle. It is also suggested that the training should be considered essential when designing strategies and policies stimulating entrepreneurial activity for both male and female entrepreneurs. Social implications: Through gender differences, the trends in marketing can be identified which will help to raise awareness for how to improve global marketing standards. Facilitating timely finance in the form of start-up capital, working capital is a must as the entrepreneurs in Oman consider financial assistance as a must to run the business. Previous business experience or educating them to gain experience in the line of their business interest will enable the entrepreneurs to become successful entrepreneurs. Originality/Value: There is no study on gender differences that have been carried out in Oman within entrepreneurial activities. This paper examines the gender difference prevailing amidst entrepreneurship in Oman. This research included only the successful entrepreneurs who were advanced under the Governmental Schemes through RIYADA/SANAD, Oman.
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