Mohammad Naushad | Salman Bin Abdalaziz University (original) (raw)

Papers by Mohammad Naushad

Accounting

A vibrant banking sector remains instrumental to the stability of every economy. Islamic banks ar... more A vibrant banking sector remains instrumental to the stability of every economy. Islamic banks are now considered as iris spuria of the banking industry. Countries such as Saudi Arabia have been hailed as the Islamic banking basin. Nevertheless, how well is this sector growing and performing in Saudi Arabia itself? This motivates us to carry out this study. The current study's key objective was to measure Sharia-compliant banks' efficiency on the CAMEL Framework, a commonly accepted framework for banks' financial health. CAMEL is fundamentally an acronym for which the first letter from the five primary segments of a bank operation is jumbled, i.e. “|C|apital adequacy, |A|sset quality, |M|anagement quality, |E|arnings ability and |L|iquidity”. The system is popularly being used for determining the financial soundness and stability of banks. The current study employs this framework to judge the financial performance of four fully Sharia compliant banks or Islamic banks in ...

TEM Journal, 2020

Though Small and Medium Enterprises (SMEs) are engines of growth, due to multiple reasons they ar... more Though Small and Medium Enterprises (SMEs) are engines of growth, due to multiple reasons they are low in adoption of digitalization and technology. This paper seeks to provide a framework to prioritize the factors/dynamics towards adoption of information and communication technologies (ICT). Through review of literature and applying Analytical Hierarchy Process (AHP), relevant factors have been chalked out and arranged in terms of priority. The findings indicate SMEs adopt ICT to have a relative advantage over competitors. Affordability, ease of use, value creation and productivity are top priority reasons. Profitability and top management support are other prime factors that stimulate ICT adoption. Other relevant factors include technological self-efficacy and personal characteristics of entrepreneurs.

Marketing and Management of Innovations, 2019

All intangible assets and various human-centred and the intellectual property rights (IPR) of org... more All intangible assets and various human-centred and the intellectual property rights (IPR) of organizations are considered as Intellectual Capital (IC). It includes all nonmonetary and nonphysical resources that are fully or partially controlled by the organization and contribute to the organization`s value creation. Since conventional factors of production are increasingly being replaced by intellectual assets, IC is now being increasingly recognized as the most valuable resource, which can provide the required impetus to take on the competition. Through appropriate management of IC, it is possible to enhance the earning capability, sustain the value and help the achievement of organizational goals. Organisations that manage IC would acquire the required competitive advantage and superior business performance in the current volatile and uncertain market. This study was conducted to investigate the position of IC of Saudi banks. Empirical evidence exists to suggest that efficient ut...

Entrepreneurship and Sustainability Issues, 2018

The present study has developed and tested a model based on Theory of Planned Behavior (TPB) with... more The present study has developed and tested a model based on Theory of Planned Behavior (TPB) with addition of some psychological variables to figure out the antecedents of entrepreneurial intentions of Saudi undergraduate business students. A sample of 550 students were taken. Responses were collected by a self administered questionaire and analysed by using a univariate statistics and Partial Least Square (PLS) Structural Equation Modeling (SEM). The study has emerged with behavioral and personality antecedents (Attitude, Subjective Norm, Internal locus of control, need for achievement and propensity to take risk) of entrepreneurial intent among Saudi students. The results underpin the idea that personality factors along with the behavioral factors strengthen the predictibility of intentions to be involved in an entrepreneurial behavior.

Problems and Perspectives in Management, 2018

The purpose of the present study is to test how do the four important psychological antecedents, ... more The purpose of the present study is to test how do the four important psychological antecedents, namely need for achievement (nAch), propensity to risk (PtR), self-confidence (SeC), internal locus of control (IlC) are mediated by the entrepreneurial self-efficacy (ESE) to predict the entrepreneurial intention (EI) in a traditionally oil-based Saudi economy striving for economic diversification. Hypotheses are tested by applying the partial least square (PLS) structural equation modeling (SEM) to a sample of 282 undergraduate business students (male and female) collected from a public university of Kingdom of Saudi Arabia (KSA). The results suggest that psychological variables and self-efficacy play a fundamental role in enhancing entrepreneurial intention (EI) of Saudi students. Personality-related variables have direct influence over EI in other context, but in Saudi context, psychological variables are necessary but not sufficient to develop entrepreneurial intention unless combin...

Asian Social Science, 2015

This paper examines the effect of corporate governance denoted by board size, duality, agency cos... more This paper examines the effect of corporate governance denoted by board size, duality, agency cost etc. on the performance of selected 24 GCC banks based on the criteria of total assets for the financial year 2012-13. Tobin's Q and Return on Total Assets (ROTA) are adopted as a measurement of accounting and financial performance respectively. The results indicate that smaller boards are more capable for monitoring the management closely in GCC banking sector. Dual role of Chief Executive Officer (CEO) are likely to improve the GCC bank performance. The presence of block holders in ownership structure of GCC banks tends to have a positive effect on the performance of banking sector. Overall, the study concludes that the corporate governance poses a significant influence on the financial and accounting performance of GCC banking sector.

International Journal of Academic Research, 2013

HEIs integrating AHP, SWOT and QSPM in Strategic Planning or strategy formulation, is less likely... more HEIs integrating AHP, SWOT and QSPM in Strategic Planning or strategy formulation, is less likely to overlook or weight inappropriately in deciding which alternative strategies to pursue while considering the key external/internal factors. This paper demonstrates the integration of the qualitative and quantitative techniques, such as SWOT, QSPM, with AHP in crafting the strategy of a business school in Kingdom of Saudi Arabia. As evidenced the proposed model improves upon by integrating AHP while developing a QSPM. It is believed that this model is more objective and robust in terms of crafting a strategy for the HEIs.

International Journal of Learning and Intellectual Capital, 2014

The purpose of this paper is to investigate the association between the IC of firms and their fin... more The purpose of this paper is to investigate the association between the IC of firms and their financial performance. This paper uses the Pulic framework, has a Middle-East focus and draws on data from 146 publicly listed companies on the TSE. It is an empirical study using multiple regression for the data analysis. This paper tests four elements of IC and company performance. The findings show that IC and company performance are positively related; IC is correlated to future company performance; the rate of growth of a company's IC is positively related to the company's performance; and the contribution of IC to company performance differs by industry. The data sample used for this research is restricted to 146 companies listed on the TSE between the years 2004 and 2008. IC is an area of interest to numerous parties, including shareholders, institutional investors, scholars, policymakers and managers. This paper provides additional empirical evidence of the contribution of IC to companies' performance in Iran.

Problems and Perspectives in Management

Entrepreneurial leadership and innovation are needed for small and medium enterprises (SMEs) to s... more Entrepreneurial leadership and innovation are needed for small and medium enterprises (SMEs) to survive and grow. Entrepreneurial leaders must unlock and use their employees’ creativity to innovate. Moreover, they should foster creativity, risk-taking, and teamwork to secure business growth and success. Therefore, this study analyzes the link between entrepreneurial leadership, creativity, and innovation among SMEs. The aim is to identify the traits that lead to entrepreneurial leadership which helps in fostering creativity and innovation among SMEs in Saudi Arabia.The study is based on primary data from employees, managers, and owners of SMEs in the capital region of the Kingdom of Saudi Arabia. Two hundred and eighty-one responses were collected. However, only two hundred and forty-eight responses were left for the final analysis. The results of the study indicate that entrepreneurial leadership positively influences organizational innovation and employee creativity among SMEs, wh...

Innovative Marketing, 2022

Vehicles are classified as a mobile source of pollution worldwide. This problem is compounded in ... more Vehicles are classified as a mobile source of pollution worldwide. This problem is compounded in countries like India, where the population is enormous, and the number of automobiles increases quickly. To overcome this issue, governments and individuals must adopt electric vehicles and maximize the use of eco-friendly vehicles. However, the adoption of electric vehicles in India is gradual. One of the reasons is the attitude towards traditional and electric vehicles. This study’s primary objective is to determine how attitude influences the adoption of electric vehicles. The topic is vital since the attitude provided by numerous studies influences the intention to buy anything. This study considered one dependent variable (electric vehicle adoption) and one mediating variable (attitude) along with five independent variables. The data collection method was straightforward, and the sample size was 366 respondents. Exploratory factor analysis (EFA), structural equation modeling (SEM), ...

World Electric Vehicle Journal, 2022

Pollution has become a major source of concern for the majority of people at present. Pollution i... more Pollution has become a major source of concern for the majority of people at present. Pollution is primarily caused by automobiles. Everybody wants to live in a pollution-free society. Nevertheless, India’s automobile registrations are growing at a rapid pace. Increased automobile usage will have a negative effect on the environment. As a result, our modes of transportation must be sustainable and environmentally friendly. The solution to this dilemma is electric vehicles. However, electric vehicle adoption is not occurring at a rate that is desirable in India, although it is anticipated to grow in the coming years. Numerous automobile manufacturers are ramping up production of electric automobiles. The purpose of this study is to ascertain the primary factors that influence the adoption of electric vehicles. This study includes five independent variables: financial incentives, charging infrastructure, social reinforcement, environmental concern, and price, and one dependent variabl...

Innovative Marketing, 2020

Organizations place great value on corporate social responsibility (CSR), as it has been found to... more Organizations place great value on corporate social responsibility (CSR), as it has been found to influence customer attitudes and intentions. This study analyzed the impact of CSR on consumers’ purchase intentions. The significance of this study arises from the fact that all progressive companies are increasing their expenditure on CSR activities. In this study, purchase intention was considered as a dependent variable, while trust, ethical, and legal CSR activities were the independent variables. Data for the study was collected from 210 randomly chosen respondents from amongst consumers of Delhi and National Capital Region of India. The data, analyzed using Structural Equation Modeling, found that trust, ethics, and legal CSR activities directly impacted consumer purchase intentions. These results indicate that legal factors do not significantly influence the corporate decision on spending on CSR activities. On the other hand, ethical factors and trust factors significantly influ...

Economies

In the event that the COVID-19 pandemic spreads across various stock markets, this study may be d... more In the event that the COVID-19 pandemic spreads across various stock markets, this study may be deemed as one of the primary studies to evaluate cross-market interactions. The study examines the spread of contagious effects originating from developed economies (the United States, the United Kingdom, and Japan) to selected emerging markets (China, India, Thailand, Taiwan, Egypt, South Africa, Saudi Arabia, and the United Arab Emirates). The countries studied are classified into three regions: developed economies, Asia, and Africa and the Middle East. The crisis period is identified with the deployment of the Markov regime-switching model. The conditional correlations are compared before and after the crisis episode using the time-varying multivariate DCC-GARCH model. The findings confirm that certain emerging markets are experiencing contagion from developed markets, while others remain unaffected. Overall, investors in the two regions examined (Asia, and Africa and the Middle East) ...

Academy of Strategic Management Journal, 2020

Thomas Cook Group Plc. (Thomas Cook), a multinational British travel company that arose to global... more Thomas Cook Group Plc. (Thomas Cook), a multinational British travel company that arose to global fame, topped among Forbes Fortune 500 list. A company that completely revolutionized the package holiday; operating continuously for 178 years, earned credibility over time. In the early hours of Monday, September 23, 2019 this great global travel group was forced into compulsory liquidation and immediately ceased trading. Taxpayers ended up contributing at least 195 million USD due to its collapse. The British Department for Transportation (DfT) who had engaged in organizing the largest peacetime repatriation since World War two (WW2), agreed to pay an estimated 104 million USD towards the total cost of repatriating the travel giant’s customers (not covered by the -Air Travel Organizers’ License (ATOL) scheme), as well as 150,000 overseas holidaymakers. Other governmental costs included 73 million USD in redundancy and related payments to Thomas Cook’s former employees, and at least 19...

Problems and Perspectives in Management, 2021

Employee turnover is a major concern for organizations. Specifically, among private business scho... more Employee turnover is a major concern for organizations. Specifically, among private business schools, it is proved to be one of the major impediments in carrying out academic activities. This phenomenon creates a conundrum for both college administrations and students. Therefore, each academic unit must work to minimize employee turnover. This study aims to identify the elements that influence academicians’ turnover intentions and the ways to negate them. It used a random sample of 236 academicians (professors, assistant professors, associate professors, and lecturers) from various business schools in India. Exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were used to analyze the sample. In addition, the structural equation modeling (SEM) approach was used to examine the hypotheses. All variables studied had high loadings of 0.50 or more in CFA. The research model was shown to be fit on three important absolute fit indices: absolute, incremental, and parsimo...

Innovative Marketing, 2021

The paradigm shift caused by disruption of traditional business models and innovation is among so... more The paradigm shift caused by disruption of traditional business models and innovation is among some factors which have propelled marketers forward-thinking in emphasizing brand fidelity. It is a novel idea and an innovative approach to understanding the impact of consumers while they demonstrate love and commitment through engagement, subconsciously or otherwise, with respect to cognition and behavior. The current study tested the components/factors of brand fidelity among Saudi consumers. The primary data for the study were collected based on the survey instrument among Saudi consumers. Overall, 446 responses were used to analyze the results. Exploratory factor analysis (EFA) coupled with confirmatory factor analysis (CFA) using IBM SPSS and AMOS were used to analyze the data. All the factors of brand fidelity, namely “accommodation/price”, “accommodation/performance”, “cognitive interdependence”, and “derogation of alternatives”, hold valid in the Saudi context with exploratory fa...

Entrepreneurship and Sustainability Issues, 2020

The Journal of Asian Finance, Economics and Business, 2020

This paper applies the Data Envelopment Analysis (DEA) to compute the managerial efficiency of 30... more This paper applies the Data Envelopment Analysis (DEA) to compute the managerial efficiency of 30 insurance companies listed on the Saudi stock exchange for the duration of four years from 2015 to 2018. The companies taken as a sample of study included both conventional and Takaful insurance companies. The insurance sector of KSA is one of the largest sectors in the country, contributing a substantial percentage in the non-oil economy. Efficiency measurement and evaluation will provide a venue to introspect and benchmark frontiers to the sector. In the present study, we have utilized the basic Banker Charnes Cooper and Charnes Copper Rhodes models of DEA. Two inputs, namely, general & administrative expenses and policy & acquisition costs, and two outputs (Net premium earned and Investment Income & other incomes) were taken for efficiency calculations. The final outcomes of the study reveal that a good number of insurance companies operating in KSA are found to be efficient on managerial efficiency scale. Three firms remain the leader on the frontier of the managerial efficiency. And no company found with zero (0) efficiency or a negative efficiency. It is expected that the outcome of the study will provide benchmarks to managers and a road map to further improvement.

Management Science Letters, 2020

In this competitive environment for the survival of the organization, it is essential to retain c... more In this competitive environment for the survival of the organization, it is essential to retain competent workforce, and keep them well aligned with organizational objectives. Turnover of employees creates panic situation and unnecessary burden of high recruitment cost. The present study identifies the relationship between job embeddedness and turnover intention. The survey of 119 employees was conducted in Saudi Arabia. The study found no significant relationship between job embeddedness and turnover intention. Negative correlation was found between turnover intention with respect to age and experience of employees. It clearly states that as the employees gain experience, their turnover intent decreases. Age is also an important factor of turnover intention. It was found that older employees showed less turnover intent in comparison to younger employees. The results will provide insights to organization for making effective strategies to keep employees embedded with their jobs and help in reducing turnover intent and actual turnover.