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Deposits and loans were strongly positively related at RAKUB

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Research area:business-management

What the study found

The study found a strong relationship between deposits and loans at Rajshahi Krishi Unnayan Bank (RAKUB), with the two variables highly positively correlated. It also found that deposit behavior affected lending to a large extent.

Why the authors say this matters

The authors conclude that deposits are a major factor in bank fund management and have a significant impact on loans and advances. They also suggest that RAKUB should carefully maintain a balance between loans and deposits for its survival in a competitive business environment.

What the researchers tested

The researchers examined deposit behavior and its impact on loan disbursement at RAKUB, a rural development bank in the northwest region of Bangladesh. They used an analytical and interpretative approach and applied a two-variable regression model to empirical data on deposits and loans.

What worked and what didn't

The correlation coefficient showed that loans and deposits were highly positively correlated. The study reports that deposits had a significant impact on loans and advances. No negative relationship or lack of effect was reported in the abstract.

What to keep in mind

The summary does not describe sample size, time period, or detailed data sources. Limitations are not described in the available abstract.

Key points

  • RAKUB’s deposits and loans were reported to be highly positively correlated.
  • Deposit behavior was said to affect lending to a large extent.
  • The study used a two-variable regression model on deposit and loan data.
  • The authors state that deposits are important for bank fund management.
  • The abstract does not provide study limits such as sample size or time frame.

Disclosure

Research title:
Deposits and loans were strongly positively related at RAKUB
Authors:
Belal Hossain, Hossain Bhuiyan Md. Anowar, Habibur Rahman
Publication date:
2026-06-30
DOI:
10.5281/zenodo.21076508
OpenAlex record:
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AI provenance: This post was generated by gpt-5.4-mini (OpenAI). The original authors did not write or review this post.

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