Browsing by Author "Belás, Jaroslav"
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- ItemThe business environment of small and medium-sized enterprises in selected regions of the Czech Republic and Slovakia(Technická Univerzita v Liberci, ) Belás, Jaroslav; Demjan, Valér; Habánik, Jozef; Hudáková, Mária; Sipko, Juraj; Ekonomická fakultaThe aim of this article was to define and compare current trends in the business environment of small and medium-sized enterprises in selected regions of the Czech Republic and Slovakia. In accordance with the objective, motivational factors, status in the society, levels of corruption, current business risks, approaches to loan financing, the ability to manage financial risks and business optimism in the business environment have been examined. In 2013, research into entrepreneurs’ opinions in the Czech Republic (Zlin Region) and Slovakia (Zilina and Trencin Regions) was conducted. These neighbouring regions have similar economic parameters. According to our findings, the most important motive for starting a business in the Czech Republic was to have a job. In Slovakia, the most important motive for starting a business was money. The results of our research confirmed that the societies in both countries perceived the position of entrepreneurs relatively negatively. In both countries, entrepreneurs negatively noted the approach of the state to their needs and relatively high levels of corruption. Nowadays, the most important business risk was the market risk followed by financial and personal risks. Due to a deterioration of the business environment, the performance of small and medium-sized enterprises has declined by at least 15% in both countries. In the Czech Republic, approximately 43% of entrepreneurs stated that banks accept their needs and behave appropriately to them. The positive perception of banks was significantly lower in Slovakia: 23% of entrepreneurs in the Zilina Region and 35% in the Trencin Region. Many Czech and Slovak entrepreneurs indicated that they are able to manage financial risks in their companies. Despite the significant deterioration in the business environment, SMEs demonstrate business optimism, with about 90% of the entrepreneurs in both countries believing that their company will survive the next five years.
- ItemEmployee satisfaction and the acceptance of clients needs in the Czech and Slovak banking(Technická univerzita v Liberci, Česká republika, 2013) Belás, Jaroslav; Holec, Marcel; Burianová, LenkaSpokojenost bankovních zaměstnanců je důležitý faktor pro vytvoření spokojenosti bankovních klientů, prostřednictvím vyšší míry akceptace (porozumění) jejich finančních potřeb v prodejním procesu. Porozumění klientským potřebám determinuje úroveň jejich spokojenosti, což může mít významný dopad na finanční výkonnost bank. Článek analyzuje vztah mezi zaměstnanci banky a vedením banky a vztahu mezi bankami a jejich klienty v České republice a na Slovensku. Cílem článku bylo kvantifikovat spokojenost bankovních zaměstnanců a porozumění klientským potřebám v českém komerčním bankovnictví a porovnání zjištěných trendů se situací na Slovensku. Přístupy zaměstnanců bank byly zjištěny v dotazníkovém výzkumu a získané výsledky byly ověřeny strukturovanými rozhovory.
- ItemThe relationship among customer satisfaction, loyalty and financial performance of commercial banks(Technická Univerzita v Liberci, ) Belás, Jaroslav; Gabčová, Lenka; Ekonomická fakultaIn the current banking sector, characterized by an increasing competition, efficient management of selling additional products and services to existing satisfied customers represents a significant opportunity to improve the financial performance of a commercial bank. To sum up, the conclusion of the up to date literature is an idea that customer satisfaction leads to customer loyalty and loyalty leads to willingness to purchase additional products. However, there are practically no papers quantifying the influence of loyalty on additional products purchases. The aim of this paper is to create a model among customer satisfaction, loyalty and financial performance of commercial banks in the Czech Republic. It is based on our original research realized as a survey with a total of 459 respondents that have been reached. The created model has proven that product quality, recognition of customers´ financial needs and acceptance of prices by a customer have an impact on customer satisfaction, which then influences customer loyalty and this in return influences additional purchases potential of a customer. The regression model of relation between customer satisfaction and loyalty of bank customer has this form: CL = 0.01163 + 0.9191 x CS, where: CL – customer loyalty, CS – customer satisfaction. The regression model of relation between customer loyalty and additional purchases: APP = -0.05667 + 0.5848 x CL, where: APP – additional purchases potential, CL – customer loyalty. At the end, the paper is dedicated to a model example showing that if a commercial bank is able to increase the number of satisfied customers by 10,000, it can obtain additional yearly income of EUR 9.6 million.