Browsing by Author "Rathnayake, R. M. S. S."

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Determinants of Non-Performing Loans: Evidence from Sri Lanka
(Department of Finance, University of Kelaniya., 2022) Rathnayake, R. M. S. S.; Dissanayake, D. M. R. U.
Purpose: The increasing trend of non-performing loans in Sri Lanka threatens the banking system. This study attempts to identify the determinants of non-performing loans in licensed commercial banks in Sri Lanka to fill the void in the finance research arena. Methodology: This study is carried out with a sample of eight licensed commercial banks using macroeconomic factors and bank-specific factors: the real interest rate, annual GDP growth rate, annual inflation rate, exchange rate, unemployment rate, the efficiency of the bank, bank size, lending rate, and ROA. Financial data were analyzed for the period of 2008-2018 using panel data regression analysis. Findings: Results show that GDP growth rate, Exchange rate, Unemployment rate, inflation rate, and bank size have a significant effect on non-performing loans in the Sri Lankan banking industry. However, bank efficiency and return on asset (ROA) do not significantly correlate with NPLs. Among these relationships, only the exchange rate shows a positive relationship with the NPL, whereas all other variables show a negative relationship. Implications: According to the study's findings, it is recommended that Sri Lankan commercial banks have their focal point on credit risk management based on maximizing return on its assets while keeping its non-performing loans within acceptable limits.
Impact of Green Advertising on Consumer Purchase Intention in Organic Food Industry of Sri Lanka: The Moderating Effect of Consumer Innovativeness
(Department of Marketing Management, Faculty of Commerce and Management Studies, University of Kelaniya Sri Lanka, 2022) Rathnayake, R. M. S. S.; Gayathree, D. A. G. P. K.
This article aims to analyze the impact of green advertising attributes on consumer purchase intention, specifically within the organic food industry in Sri Lanka, and to examine the moderating effect of consumer innovativeness. Based on a review of existing literature, a conceptual model was developed and tested using data collected from 330 organic food consumers via an online survey. A linear regression model was applied to assess the impact of green advertising attributes on consumer purchase intention, and Process 3.5 by Andrew F. Hayes, Model 1, was used to examine the moderating effect of consumer innovativeness. The findings indicate a positive and significant impact of green advertising attributes (i.e., reliability, informativeness, attractiveness) on consumer purchase intention. Additionally, the results reveal that consumer innovativeness moderates the relationship between attractiveness and consumer purchase intention. These findings enhance the understanding of the importance of green advertising attributes in developing green advertising strategies. In the Sri Lankan context, the effects of green advertising on consumer understanding of products and brands, as well as on buying decisions, require further exploration.