Browsing by Author "Amaratunge, S."

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    Customer Switching Behavior in Commercial Banking Industry: With Special Reference to Colombo District, Sri Lanka
    (University of Kelaniya, 2014) Dayarathna, D.D.K.S.; Gajanayake, R.; Amaratunge, S.
    In the modern business world the customer is the most important factor because the survival and growth of any organization highly defended upon the customer base. Therefore retain the customer is a challenge for any organization. Because if the customers are dissatisfied with the level of service offered that they will move to another service provider. So in this study the main objective is to find out the key factors affect for customer switching in commercial banking sector in Sri Lanka. Further the attempts have been made to find out the degree of the influence of these factors on customer switching behavior in Sri Lankan commercial banking industry. In this research the researcher selected 10 leading Licensed Commercial Banks in Sri Lanka and 200 customers in Colombo area as sample to gather data. The findings of this research revealed that demographic factors and advertising are more important factors for customer switching behavior. Also Service quality, customer satisfaction, price and innovations & technologies have an impact on customer switching behavior in banking industry of Sri Lanka. The results of this research allow bankers and practitioners to develop and implement marketing strategies to decrease customer switching behavior and increase bank profits. Furthermore, this research provides useful information for future researchers investigating customer switching behavior in the commercial banking industry in Sri Lanka.
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    Factors Affecting Credit Accessibility of Small & Medium Size Enterprise: Special Reference to Galle District
    (Faculty of Commerce and Management Studies, University of Kelaniya, 2021) Dias, K.M.G.S.R.; Amaratunge, S.
    At present growth of the Small and Medium Enterprises (SMEs) sector is considered a tremendous factor when achieving sustainable economic growth of any country. Every economy consists of both formal and informal financing sectors. Small and Medium Enterprises are better to able finance their ventures in considering security and low risk. When it is developing this vital sector, sufficient finance is needed. Although there are two approaches available to obtain finance, most SMEs are failed due to lack of finance. Hence, the objective of this study is to evaluate the impact of three determinants of SMEs credit accessibility as, the firm characteristics, financial characteristics and entrepreneurial characteristics. The study adopted a quantitative research approach, and a self-administrated survey questionnaire that applied to the sample of 70 Small & Medium size enterprises in the Galle district. The sample was selected using the purposive sampling technique. Correlation Coefficient analysis has been used to evaluate the variables using SPSS 23 version. Results show that financial characteristics take the dominant place among all other determinants in access to credit. Firms which are having financial tools have a higher probability of accessing credit rather than firms without having financial tool. Due to the firm's high collateral requirements, it is easy to obtain credit. The findings of the paper serve as support to understand the credit accessibility of Small and Medium-size Enterprises. It could be valuable for company owners who are supposed to get credit facilities.