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As of 1982, federal credit unions were allowed to add select employee groups and thus create institutions with multiple-group common bonds. We examine the efficiency of single bond and multiple bond federal-chartered credit unions by using data envelopment analysis (DEA), a non-parametric, linear programming methodology. Results indicate that multiple bond credit unions have better pure technical efficiency than single bond credit unions. However, single bond credit unions appear to be more scale efficient than the multiple bond credit unions. Our results also indicate that members of multiple bond credit unions may derive greater wealth gains than members of single bond credit unions.

The composition of bank liabilities has captured a lot of attention especially after the global financial crisis of 2008–2009. It is argued that a compositional change in non-core liabilities reflects the different stages of financial cycle. Banks usually fund their credits with core liabilities, which grow with households’ wealth, but when there is a faster growth in credits compared to deposits, the banks often resort to non-core liabilities to meet the excess demand for loans. This chapter analyses the relationship between non-core liabilities and credits in a small open economy, namely Turkey. It investigates the relationship under alternative settings and presents consistent evidence on a robust relationship between credits and non-core liabilities under all frameworks. The study also verifies that elevated demand for credit may induce some increase in non-core liabilities. Finally, the relationship between non-core liabilities and credit growth is also affirmed in the long run.

A correlation has been shown in the literature between credit constraints and the adoption of agricultural technologies, technical efficiencies and measures for adapting to climate change. The relationship between credit constraints, risk management strategy adoption and income, however, is not well understood. Consequently, the purpose of this study was to investigate how credit constraints affect the income and risk management practices adopted by Northern Nigerian maize farmers.

Cross-sectional data were collected from 300 maize farmers in Northern Nigeria using a multi-stage sampling technique. Descriptive statistics, seemingly unrelated regression and double hurdle regression models were the analysis methods.

The results showed that friends and relatives, banks, “Adashe”, cooperatives and farmer groups were the main sources of credit in the study area. The findings also revealed that the sources of risk in the study area included production risk, economic risk, financial risk, institutional risk, technological risk and human risk. In addition, the risk management strategies used to mitigate observed risks were fertilizer application, insecticides, planting of disease-resistant varieties, use of herbicides, practising mixed cropping, modern planning, use of management tools as well as making bunds and channels. Furthermore, we found that interest rate, farm size, level of education, gender and marital status were significant determinants of statuses of credit constraints while the age of the farmer, gender, household size, primary occupation, access to extension services and income from maize production affected the choice and intensity of adoption of risk management strategies among the farmers.

The study concluded that credit constrained status condition of farmers negatively affected the adoption of some risk management strategies and maize farmers’ income.

The study concluded that credit constrained status condition of farmers negatively affected the adoption of some risk management strategies and maize farmers’ income. It therefore recommends that financial service providers should be engaged to design financial products that are tailored to the needs of smallholder farmers in the study area.

This paper incorporates the role of constraints in influencing farmers’ decisions to uptake credits and subsequently their adoption behaviours on risk management strategies. The researcher approached the topic with a state-of-the-art method which allows for obtaining more reliable results and hence more specific contributions to research and practice.

We investigate the impact of private credit expansion and contraction on the unemployment rate in Economic Community of West African States (ECOWAS) countries.

Credit expansion and contraction are measured using a three-level criterion. The fixed effect panel regression model was used to estimate the impact of private credit contraction and expansion on the unemployment rate in ECOWAS countries.

Private credit contraction significantly increases the unemployment rate in ECOWAS countries. Private credit expansion does not have a significant effect on the unemployment rate. Real GDP growth has a significant negative effect on the unemployment rate which supports the prediction of the Okun’s Law while the inflation rate has a positive and insignificant effect on the rate of unemployment in ECOWAS countries which contradicts the prediction of the Phillips curve.

Policymakers in ECOWAS countries need to be cautious when introducing policies that lead to private credit contraction as it could increase unemployment. Policymakers in ECOWAS countries should also find the “threshold” below which private credit contraction will worsen the unemployment rate and introduce policy measures to ensure that private credit contraction does not fall below the threshold.

The literature has not examined the factors leading to tight labor markets or unemployment in West African countries.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-12-2023-0939.

The purpose of this study is to examine the effect and influence of perceived usefulness and perceived ease of use on knowledge sharing to improve and use Islamic credit cards.

Structural equation modeling was used in the analysis of the data collected from 160 respondents in four cities in Jakarta, Indonesia, using an online survey.

This study analyzes the effect of perceived usefulness and perceived ease of use on knowledge management, and also analyzes the effect of increasing knowledge management in increasing Islamic credit card users, as well as the role of knowledge management as mediation.

This study only examines Islamic credit cards by looking at the contribution of the role of perceived usefulness and perceived ease of use knowledge management that are felt by users and prospective users of Islamic credit cards.

The results of this study highlight the need for Islamic banks to provide and increase knowledge to understand and know well about Islamic credit cards, which can increase intentions to become new users.

This research provides additional knowledge on Islamic credit cards, commonly referred to as bithaqah al-l’timan, as a means of payment and cash withdrawals in accordance with applicable regulations with reference to Islamic principles and policies by providing convenience, security and comfort for credit card users and for bank customers. Sharia banking can also grow the sharia economy, which currently Indonesia is still far behind.