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Journal articles on the topic 'Certificate of deposit'
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Pratama, Yongky, and Achmad Sulchan. "Notary Role in Issuing Bonding Guarantee of Bilyets Deposits as Collateral Credit on Loan Agreement Process (Case Study in Kanca BRI Blora)." Jurnal Akta 5, no. 4 (December 22, 2018): 981. http://dx.doi.org/10.30659/akta.v5i4.4129.
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The purpose of this study was to: 1) Determine the implementation of binding guarantee term deposit certificate as collateral credit on the loan agreement. 2) The role of the notary in binding guarantee term deposit certificate as collateral on the loan agreement. 3) Analyze the challenges and solutions for binding guarantee term deposit certificate as collateral credit on the loan agreement (case study in Kanca BRI Blora). The method is a juridical sociological approach to the specification of descriptive analytical research. Sources of data obtained through interviews and literature.Based on the research results implementation binding guarantee slip deposits as collateral on the loan agreement in BRI Blora starting from the stage of the loan application, the stage of the agreement and the making of the loan agreement, the stage of a deed binding guarantee deposit slip, the submission phase objects assurance, the stage of the authorization, and blocking stage or in the event of default. In binding guarantee term deposit certificate as collateral on the loan agreement in Kanca BRI Blora, Notary make a letter of agreement and binding guarantee deposit slips. Barriers just a lack of understanding about people who do the will of credit, so the solution the Bank must give a detailed explanation before binding treaty process.Keywords : Collateral Credit; Guarantees Binding; Temporary Bilyet Deposits.
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A'la, Al Ma'rifatul, and Imron Mawardi. "Pengaruh Financing To Deposit Ratio (FDR) Terhadap Return On Asset (ROA) Dengan Variabel Intervening Penempatan Dana Pada Sertifikat Bank Indonesia Syariah (SBIS) Pada Bank Syariah di Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 1, no. 8 (December 2, 2015): 592. http://dx.doi.org/10.20473/vol1iss20148pp592-609.
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This study aims to investigate the effect of Financing to Deposit Ratio (FDR) toward investment in Islamic Certificate of Bank Indonesia (SBIS), effect of investment in Islamic Certificate of Bank Indonesia (SBIS) toward Return on Asset (ROA), and effect of Financing to Deposit Ratio (FDR) toward Return on Asset (ROA) Islamic Bank in Indonesia.Methodology that used in this study is a quantitative approach. Technique analysis that used in this study is path analysis. Samples are used in this study collected from Islamic Bank Statistic Data issued by Bank Indonesia, January 2009 until October 2013, the total amount were 58 data.The results show that Financing to Deposit Ratio (FDR) has significantly negative effect on Islamic Certificate of Bank Indonesia (SBIS). Islamic Certificate of Bank Indonesia (SBIS) has not significantly effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) has significantly positive effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) with Islamic Certificate of Bank Indonesia (SBIS) as intervening variable have negative effect on Return on Asset (ROA) Islamic Bank in Indonesia.
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CUTHBERTSON, K., S. HAYES, and D. NITZSCHE. "THE BEHAVIOUR OF CERTIFICATE OF DEPOSIT RATES IN THE UK." Oxford Economic Papers 48, no. 3 (July 1, 1996): 397–414. http://dx.doi.org/10.1093/oxfordjournals.oep.a028575.
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Ayebaemi, Akarara Ebierinyo, and Eniekezimene A. Francis. "Money Market Instruments and Growth of the Nigerian Economy: An Empirical Analysis." Pakistan Journal of Humanities and Social Sciences 6, no. 1 (March 31, 2018): 30–43. http://dx.doi.org/10.52131/pjhss.2018.0601.0031.
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This paper investigated the effect of selected money market instruments on the growth of the Nigerian economy. Using data obtained from Central Bank of Nigeria Statistical Bulletin 2017, the study employed the Autoregressive Distributive Lag (ARDL) Bound Testing approach to co-integration. Result shows no form of convergence among the variables in the long-run. It also revealed that money market variables are positively related with economic growth rate both in the short and long-run, except for Certificate of Deposit (COD) and Commercial Paper (CPR) that has an inverse relationship with economic growth in the long-run. Broad Money Supply (M2G) does not seem to have a significant relationship with GDPR both in the short and long-run, while Treasury Certificate (TRC) has a significant positive impact on GDPR in the short-run but an insignificant impact on GDPR in the long-run. Thus, caution should be taken by the Central Bank of Nigeria in the use of Treasury Certificate as a means of managing liquidity in the short-run, as its prolonged use would amount to no significant effect in the economy. Also, Certificate of Deposit and Commercial Paper should be used on short term basis, if otherwise; their impact on the economy would be negative.
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Liu, Kerry. "Why Does the Negotiable Certificate of Deposit Matter for Chinese Banking?" Economic Affairs 38, no. 1 (February 2018): 96–105. http://dx.doi.org/10.1111/ecaf.12271.
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Fauzi Wicaksana, Achmad Adnan, and Raditya Sukmana. "NFLASI DI INDONESIA PADA PERIODE 2011-2015: ANALISIS SERTIFIKAT BANK INDONESIA, SERTIFIKAT BANK INDONESIA SYARIAH, PASAR UANG ANTAR BANK, PASAR UANG ANTAR BANK SYARIAH, FINANCE TO DEPOSIT RATIO DAN LOAN TO DEPOSIT RATIO." Jurnal Ekonomi Syariah Teori dan Terapan 5, no. 12 (June 19, 2019): 1070. http://dx.doi.org/10.20473/vol5iss201812pp1070-1085.
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This study aims to examine the effect of monetary policy transmission through conventional and sharia systems to the inflation rate in Indonesia from January 2011 to December 2015. The approach used is Vector Error Correction Model (VECM)quantitative method using Eviews 8 program. The data used was secondary data from the official website of Bank Indonesia and the Financial Services Authority (Otoritas Jasa Keuangan/OJK). The result of the research shows that in the long run, conventional monetary policy transmission has aneffect on inflation rate in Indonesia, namely the interest rate of Bank Indonesia Certificates which has a positive and significant effect to the inflation rate in Indonesia. Interbank money market variables have negative and significant influence on the inflation rate. While the loan to deposit ratio variable doesn't have any effect on inflation rate. On the sharia side, the results show that in the long run, the sharia monetary policy transmission has an effect on inflation in Indonesia, namely Bank Indonesia Sharia Certificate that has significant negative effect and sharia money market has significant positive effect,whilst finance to deposit ratio doesn't.
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Rodrigo Catica, José, Óscar Hernán López, and Mercedes Parra Alviz. "THE TERM DEPOSIT CERTIFICATE IN COLOMBIA: ¿A SAVING OR AN INVESTMENT INSTRUMENT?" Desarrollo Gerencial 7, no. 1 (January 1, 2015): 160–74. http://dx.doi.org/10.17081/dege.7.1.745.
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Supriono, Supriono, and Sri Herianingrum. "Analisis Pengaruh Financing to Deposit Ratio (FDR) Terhadap Penempatan Dana Pada SBIS Bank Syariah di Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 4, no. 7 (December 15, 2017): 531. http://dx.doi.org/10.20473/vol4iss20177pp531-546.
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This study aimed to analyze the influence of Financing to Deposit Ratio (FDR) and to islamic banking fund placement in Islamic Certificate of Bank Indonesia Sharia (SBIS) in the period January 2009-December 2015. The research approach used is a quantitative technique of linear regression analysis. The dependent variable used is the placement of funds in SBIS, while the independent variables, Financing to Deposit Ratio (FDR). Determination of the number of samples using a non probability sampling methods saturated samples, the entire population sampled. The data used is secondary data. The regresion test results stating that the Financing to Deposit Ratio (FDR) significantly affects the placement of funds of islamic bank at SBIS in the period January 2009-December 2015.
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Lin, Jyh-Horng, and Chuen-Ping Chang. "Liquidity management and futures hedging under deposit insurance: An option-based analysis." Yugoslav Journal of Operations Research 14, no. 2 (2004): 209–18. http://dx.doi.org/10.2298/yjor0402209l.
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Theories on financial futures hedging are generally based on a portfolio-choice approach. This paper presents an alterative: a firm-theoretic model of bank behavior with financial futures under deposit insurance. Assuming that the bank is a certificate of deposit (CD) rate-setter and faces random CDs, expressions for the optimal futures hedge are derived under the option-based valuation. When the bank is in a bad state of the world, a decrease in the short position of the futures decreases the loan rate and increases the CD rate; an increase in the deposit insurance premium increases the loan rate and decreases the CD rate. We also show that the bank?s amount of futures increases with a lower expected futures interest rate.
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Brous, Peter, Bonnie G. Buchanan, and Tony Orcutt. "Valuing “Raise Your Rate” certificates of deposit." Managerial Finance 40, no. 9 (September 2, 2014): 864–82. http://dx.doi.org/10.1108/mf-11-2013-0317.
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Purpose – The “raise your rate” (RYR) certificate of deposit (CD) allows investors to raise the rate on their CD to the current market rate over the life of the CD. The purpose of this paper is to present a binomial option pricing model to value this option to raise the rate. The model also demonstrates conditions under which the investor should choose to exercise their option and raise their rate prior to maturity. Understanding the value of this option is useful to both banks setting rates, and investors comparing alternative investment opportunities. The results of this model suggest that, for CDs with short maturities and low yields, the value of the option is relatively small, roughly one to four basis points, however, for CDs with longer maturities and higher yields the value of the option can be as much as 50-80 basis points. Design/methodology/approach – This paper demonstrates how to value raise your rate CDs by applying a binomial option pricing model and provides the value of this option over a range of current CD yields and over a range of CD maturities. Findings – When CD rates are low and maturities are short the value of the option is small (one to four basis points), however, when CD rates are high with longer maturities, the value of this option can be significant (50-80 basis points). Research limitations/implications – The research implication is that the rate discount that the institution offers and the investor accepts should reflect the value of the option to raise the rate. The benefit to the institution and the cost to the investor reflected in the rate discount can be determined by the procedures presented in this paper regarding the valuation of the option to raise the rate. Practical implications – The purpose of this paper is to demonstrate how to apply a binomial option pricing model to value the option that is attached to a raise your rate CD. Knowing the value of this option should be useful both to banks, in determining the discounted rate they should offer on these CDs, and to investors choosing among alternative investment opportunities. An additional benefit of applying a binomial model to value the option is that the model can be used by investors to determine the optimal point at which to exercise their option and lock in the current higher rate. Social implications – Given the recent financial turmoil, pressure has been placed on banks to increase their liquidity and deposit base. CDs are crucial to this. Understanding the value of the RYR option is useful to both banks setting rates and investors comparing alternative investment opportunities. Originality/value – Given the current economic climate, deciding which strategic investment options to pursue is of paramount importance. To the best of the knowledge this is the first study that applies binomial option pricing to certificates of deposit to help investors make these decisions.
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Nowman, K. Ben. "The volatility of Japanese interest rates: evidence for Certificate of Deposit and Gensaki rates." International Review of Financial Analysis 11, no. 1 (January 2002): 29–38. http://dx.doi.org/10.1016/s1057-5219(01)00071-0.
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Abdullah, Nurdianawati Irwani. "Applications of Malaysia Deposit Insurance Corporation (MDIC) To Takaful Operators: An Analysis from the Shariah Advisors’ Perspective." Information Management and Business Review 4, no. 12 (December 15, 2012): 615–24. http://dx.doi.org/10.22610/imbr.v4i12.1020.
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The global takaful market is estimated by market analysts to reach a premium of U.S. $ 12.5 billion by 2015. Malaysia is considered the second largest takaful in the world with total asset of US$ 3.2 billion. One of the new innovations of takaful and insurance in Malaysia is Perbadanan Insurance Deposit Malaysia (PIDM) which is also known internationally as the Malaysia Deposit Insurance Corporation (MDIC). The role of MDIC is to provide protection to owners of takaful certificate and to ensure the stability and confidence in the market by protecting policy holder (takaful certificate). Therefore, this study investigates the extent to which MDIC is relevant to takaful operators. Personal interviews are carried out with shariah advisers of takaful operators to deduce the actual practice, the ideal role and to gain access to the field of MDIC and its implications in Malaysia. The findings of this research indicate that MDIC is relevant to takaful operators and part of the regulations that should be supported and encouraged. Furthermore, the study also found that shariah advisers suggest Wakalah bi ajr as an alternative of kafalah-bi al-ajr by shifting the scheme to tabarru‘model. In addition, the study found that the contribution paid should be charged to the participants’ fund; this is because the protection provided by MDIC is for the fund that belongs to the participants and takaful operators deemed to be wakeel (agent) only.
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Hernández, Rodrigo, Jorge Brusa, and Daniel Pu Liu. "An economic analysis of bank-issued market-indexed certificate of deposit â an option pricing approach." International Journal of Financial Markets and Derivatives 2, no. 3 (2011): 195. http://dx.doi.org/10.1504/ijfmd.2011.042600.
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Wahid, Arfian Nur, Surono Bin Jamel, Heni Noviarita, and Erike Anggraini. "Assessing Sharia Monetary Instruments Against Country Economic Growth." JEJAK 13, no. 2 (October 2, 2020): 307–18. http://dx.doi.org/10.15294/jejak.v13i2.23754.
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This study aims to examine the effect of Islamic monetary instruments on Indonesia's economic growth. Statutory Reserves, Bank Indonesia Syariah Certificate (SBIS) and Outstanding Deposit Facility Syariah (FASBIS) are used as sharia monetr instrument variables in observations. this study is a quantitative study using monthly time series data obtained from the publication of Bank Indonesia and the Indonesian statistical agency in 2015-2019 using ARDL analysis. The results of this study indicate that both short-term and long-term modeling, instrument variables Islamic monetary does not have a significant relationship on economic growth. Although it has a very small effect, the Demand Deposits variable has an effect on the Indonesian economy, while the other variables observed have an inverse relationship with the variable of Indonesia's economic growth. the achievement of monetary stability through sharia monetary instruments can be optimized using policies on the minimum statutory reserves in banks that are useful for controlling the circulation of the amount of money in society so that it is more stable and the Indonesian economy can grow through the middle income trap.
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Rachma, Meutya, and Ika Tunggal Puspitasari. "Tanggungjawab Notaris Atas Hilangnya Sertipikat Tanah yang Dititipkan Kepadanya dalam Rangka Pembuatan Akta Perjanjian Pengikatan Jual Beli." Notaire 2, no. 2 (August 8, 2019): 255. http://dx.doi.org/10.20473/ntr.v2i2.13360.
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AbstractThe community began to know notaries since the era of 1960, where the notary had a strong foundation, namely the Notary Position Regulations and has now been changed to the Act of Notary Position. One notary authority is to make sale and purchase agreement, where the aggrement is an agreement preliminary that will be made a sale and purchase deed. In practice, a notary has received a land title certificate related to the deed made in front of him. One reason the parties entrust a certificate to notary is if the buyer has not been able to pay off the purchase and must be paid in installments within the stipulated time, this deposit occurs on the basis of agreement between the two parties. However, self-safekeeping is not permitted for notaries, there has been its own prohibition on article 52 paragraph (1) that the notary is prohibited from receiving the deposit, but in practice the parties have entrusted the document to the notary to make an authentic deed, sales agreement deed, as proof of authentic deed is perfect proof, so in the process of making a deed it must be seen, that the document used as the basis for making the deed is not in dispute. The purpose of this paper is to help provide an overview and reality of the impact of the certificate entrusted to the notary, supported by statute approach and conceptual approach to facilitate this writing.Keywords: Agreement, Deposit Sertificate, and Compensation Abstrak Masyarakat mulai mengenal notaris sejak era tahun 1960, dimana notaris mempunyai dasar yang kuat yaitu Peraturan Jabatan Notaris dan sekarang telah diubah menjadi Undang – Undang Jabatan Notaris. Salah satu kewenangan notaris adalah membuat akta perjanjian pengikatan jual beli (PPJB), dimana PPJB tersebut sebagai perjanjian pendahuluan yang nantinya akan dibuat akta jual beli (AJB).Dalam praktek, notaris telah menerima titipan sertifikat Hak Atas Tanah terkait dengan akta yang dibuat dihadapannya, salah satu alasan para pihak menitipkan sertifikat Hak Atas Tanah kepada Notaris adalah jika pembeli belum mampu membayar lunas pembelian tersebut dan harus mengangsur dalam waktu yang ditentukan, Penitipan ini terjadi atas dasar kesepakatan kedua belah pihak. Akan tetapi penitipan sendiri tidak diperbolehkan untuk notaris, telah ada larangan sendiri pada pasal 52 ayat (1) yaitu notaris dilarang menerima titipan, tapi dalam prakteknya para pihak telah menitipkan dokumen tersebut pada notaris guna membuat akta otentik yaitu akta PPJB, karena pembuktian akta otentik tersebut adalah pembuktian yang sempurna, maka dalam proses pembuatan akta haruslah dilihat, bahwa dokumen yang digunakan sebagai dasar pembuatan akta tersebut adalah tidak bersengketa. Tujuan penulisan ini, untuk membantu memberikan gambaran yang ada akan dampak dari sertifikat yang dititipkan pada notaris, dengan didukung pendekatan perundang-undangan dan konseptual untuk memudahkan penulisan ini.Kata Kunci: Perjanjian, Penitipan seritikat, dan Ganti Rugi
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Lestari, Tari. "Analysis Of Islamic Bank Influence On Agricultural Financing Sector Period 2014-2016." Journal of Islamic Economic Laws 2, no. 1 (February 27, 2019): 88–119. http://dx.doi.org/10.23917/jisel.v2i1.7706.
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One main problem that Indonesia’s agricultural sector faces is limited financial acces. This research tries to analyze Islamic Banking influence on agricultural financing sector in Indonesia. It utilizes monthly data of Islamic banking statistic from January 2014 until December 2016. This study conducts OLS (Ordinary Least Squares) as its analytical method to intrepret the data analysis. The finding of this paper shows that the incentive of Islamic Bank Indonesia Certificate (SBIS), third party fund, inflation, Non Performing Financing influence agricultural financing significantly. But, interest rate is not affecting agricultural financing. This research suggests the increase in agricultural financing proportion for agriculture should be in accordance with increase in total deposit value. This finding recommends improvement of the human resources competency in agriculture sector as well as strengthening instruments of Islamic financing policy.
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Warto, Warto, and R. Bambang Budhijana. "Faktor - Faktor Yang Mempengaruhi Penyaluran Pembiayaan Perbankan Syariah Indonesia Periode 2009 - 2019." Al Maal: Journal of Islamic Economics and Banking 1, no. 1 (July 7, 2019): 1. http://dx.doi.org/10.31000/almaal.v1i1.1724.
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Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.
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Oladejo, N. K., A. Abolarinwa, and S. O. Salawu. "Linear Programming and Its Application Techniques in Optimizing Portfolio Selection of a Firm." Journal of Applied Mathematics 2020 (December 11, 2020): 1–7. http://dx.doi.org/10.1155/2020/8817909.
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Optimization techniques have been used in this paper to obtain an optimal investment in a selected portfolio that gives maximum returns with minimal inputs based on the secondary data supplied by a particular firm that is examined. Sensitivity analysis is done to ascertain the robustness of the resulting model towards the changes in input parameters to determine a redundant constraint using linear programming. The challenge of determining the available funds and allocating each component of the portfolio to maximize returns and minimize inputs by portfolio holders and managers who are the major decision-makers in allocating their resources cannot be quantified. This optimization technique is used to obtain an optimal investment portfolio including financial risks of a firm with disposable of $15,000,000.00 invested in crude oil, mortgage securities, cash crop, certificate of deposit, fixed deposit, treasury bills, and construction loans. The model is a single-objective model that maximizes the return on the portfolio as the interests on the original data reduces by 5%; then, the return on investments also reduced by almost 15%, with the quantum of money on treasury bills and construction loans posing a significant reduction for the maximum return. The investment in the other options saw a slight decrease. Also, as the interest rates of the original data increase by 5%, the return on investments also grows by almost 17% while the quantum of money on the treasury bills and construction loans increases, and the quantum of money on the other options experienced a decrease except for mortgage securities which recorded a slight increase.
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Borisevich, S. V., M. N. Pistsov, V. V. Rubtsov, D. A. Kutaev, A. V. Surovyatkin, A. M. Berezhnoy, A. A. Petrov, et al. "Laboratory Diagnosis of Rabies. Current State and Trends in Development." Problems of Particularly Dangerous Infections, no. 2 (July 21, 2021): 6–15. http://dx.doi.org/10.21055/0370-1069-2021-2-6-15.
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The review considers the relevant aspects of laboratory diagnosis of rabies. The methods of laboratory diagnostics of rabies infection, standardized by WHO in 2018, and their use in the Russian Federation are presented. The scheme of laboratory diagnostics of rabies, applied by specialists of the “48th CRI” of the Ministry of Defense of Russia, for the study of biological samples from deceased people is outlined. Between 2002 and 2018, the study of biomaterial was carried out using molecular-biological, virological methods of diagnosis and in some cases electron microscopy, which allowed to detect and identify the pathogen in 257 samples from 71 people, to certify and deposit new isolates of the rabies virus. Accumulation and analysis of the lessons learned in the application of molecular-biological method of rabies diagnosis allows us to recommend the use of RT-PCR, real-time RT-PCR sets (having a certificate of state registration) in healthcare and veterinary medicine practice to identify the causative agent of rabies infection. The use of molecular-biological methods is promising in terms of the development of rabies diagnosis to improve epidemiological surveillance and raise the efficiency of the biological protection of the population of the Russian Federation.
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Akhtar, Sajjad, and Sajid Manzoor. "The Demand for Financial Assets in Pakistan." Pakistan Development Review 33, no. 2 (June 1, 1994): 135–46. http://dx.doi.org/10.30541/v33i2pp.135-146.
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In recent years Pakistan has moved to liberalise its financial and capital markets. Consequently the reforms will place heavy demand on the instruments of monetary policy to regulate the working of financial markets. Interest rate policy as a component of monetary policy not only determines the allocation of resources between assets but also within each class of assets. Given the scant research on intra-asset response to intertemporal interest rate movements, the present paper fills the gap by studying the determinants of financial assets and quantifies intra-asset substitutability within a system-wide portfolio framework. Using a simplified version of Brainard and Tobin (1968) model, we explain the asset holdings in terms of wealth and interest rates. We test the model on quarterly holdings of five assets, i.e., saving and fixed deposits, khas deposits, national deposit certificates and defence saving certificates. Asset substitutability is ascertained by single equation OLS, FIML (Iterative 3SLS) and restricted FIML estimation techniques. The system-wide restricted model performs according to a priori expectations. Own interest rate effect is positive and significant in three of the four equations. Five of the six off-diagonals are negative, and three are statistically significant. Saving and fixed deposits exhibit weak complementarity. Khas deposit and national deposit certificates are strong substitutes. The model is also used to decompose the change in portfolio share due to wealth, interest rate and residual components.
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Lane, Thomas J., and D. Gary Williams. "Bank certificates of deposit." Journal of Equine Veterinary Science 14, no. 5 (May 1994): 238–39. http://dx.doi.org/10.1016/s0737-0806(06)81939-8.
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Atalay, Kadir, Ellen Garbarino, and Robert Slonim. "Prize-linked savings accounts: combining virtue and vice to make savings more enticing." Journal of Consumer Marketing 37, no. 2 (November 17, 2019): 180–90. http://dx.doi.org/10.1108/jcm-03-2019-3109.
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Purpose The purpose of this paper is to investigate whether moral licensing – that is, doing something morally dubious after doing the “right” thing – influences the attractiveness of an existing virtue–vice bundle. Design/methodology/approach A prize-linked savings (PLS) account that combines a savings (certificate of deposit) and a probabilistic component (lottery) was examined. In two online experiments, the level of moral license offered by the PLS was manipulated through what institution offered the PLS or a lottery alternative. Findings When the source of the PLS account was more moral (Study 1) or the source of the lottery was less moral (Study 2), the interest in the PLS increased. Research limitations/implications Moral licensing plays a role in making virtue–vice bundles appealing and supports that the need for moral license can be used to increase interest in more morally acceptable behaviour. However, manipulating moral license in the field is complex and requires further research. Practical implications Practitioners may increase PLS savings rates via messaging that emphasises how the saving aspect offers the customer the license to indulge in the gamble; similar to how McDonald’s sold the idea of indulging in fast food with “You deserve a break today”. Originality/value This paper shows that the attractiveness of the PLS virtue–vice bundle is sensitive to the moral acceptability of the components, suggesting their ability to offer the consumer moral license to engage in a socially sanctioned action is part of their appeal. Also, demonstrating that the desire for moral license can be used to encourage positive behaviour.
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Cescon, José Antonio, Roberto Frota Decourt, and Luciana de Andrade Costa. "INVESTMENTS IN COMPANIES WITH NEGATIVE EQUITY: THE RETURN IS WORTH THE RISK?" Revista Gestão Organizacional 14, no. 2 (March 24, 2021): 229–50. http://dx.doi.org/10.22277/rgo.v14i2.5637.
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This study analyzed the return and risk of an investment portfolio, composed only of shares of companies listed in B3 that presented Negative Equity (NE), in the period from 1998 to 2019. Considering the Efficient Market Hypothesis (FAMA, 1970), the rationality of investors, the stock market on the stock exchange, in relation to companies with PLN, theoretically should not be active or provide abnormal positive returns to investors, since, technically, companies would be insolvent. The method used was to build a portfolio for assets that had at least one year of trading on the stock exchange and had NE in this period. The number of shares (assets) was fluctuating, starting with 2 and ending with 44 shares. The results of the Portfolio were compared to a risk-free investment (Interbank Deposit Certificate – CDI) and a similar risk investment (Brasil 50 Index - IBrX50), this as a control portfolio. The results found indicate that it is possible to obtain abnormal positive results, but do not meet the risk and return ratio when compared to a risk-free investment. However, when compared to other risky investments, investing in companies with NE may make sense, since a portfolio with no judgment criteria presents a more attractive risk and return ratio than stock indexes. This study contributes to the literature, as it brings to the academic world the universe of companies with NE, notably concerning the returns that these companies can provide to investors and, also for being an unprecedented study in this approach in Brazil.
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Cahyo Wibowo, Dian, and Gunarto Gunarto. "PELAKSANAAN SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN (SKMHT) DI KOTA PEKALONGAN." Jurnal Akta 4, no. 2 (June 10, 2017): 251. http://dx.doi.org/10.30659/akta.v4i2.1794.
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The Power of Attorney Charging the Guarantee Right (SKMHT) in Article 15 of Law Number 4 Year 1996 concerning Land and Property Rights related to Land (UUHT) is stipulated as a condition to be immediately followed up by the making of Certificate of Granting of Mortgage Right APHT).This study uses descriptive analytical properties with aspects of the Empirical Juridical approach and field research (observation) only as supporting data. The location of this study was conducted in Pekalongan City. The population of this study amounted to 50 (fifty) SKMHT made by 4 people Notary / PPAT respondents in May - November 2014. Of the entire population are all sampled.To collect primary data / main data is done by using field research using interview technique, whereas to informant is done by giving questionnaire and interviewing them related to SKMHT implementation in crediting by creditors. To obtain secondary data / additional data is done literature on books, laws, and important documents related to this research. The data obtained were analyzed and then grouped the data according to their qualification, then described with qualitative analysis approach.The result of this thesis research shows the process of Implementation of SKMHT in credit scheme made by Notary / PPAT has been in accordance with the regulation. In the process of using SKMHT in this credit agreement is made with the stage that is before and at the time after the credit agreement agreement and the second stage merupkan SKMHT installation to the land office. The inhibiting factors in the use of SKMHT arise during the binding process into APHT and APHT registration stages. The inhibiting factors in the implementation process of SKMHT into APHT form are costly and short term. In overcoming these obstacles, efforts are made by renewing SKMHT which has expired in accordance with legislation and follow up SKMHT become APHT.Keywords: Power of Attorney Charges Deposit Rights
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Papi, Zeinab, Saeid Rezaei Sharifabadi, Sedigheh Mohammadesmaeil, and Nadjla Hariri. "Technical requirements for copyright protection of electronic theses and dissertations in INSTD." Electronic Library 35, no. 1 (February 6, 2017): 21–35. http://dx.doi.org/10.1108/el-11-2015-0226.
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Purpose This study aims to determine the technical requirements for copyright protection of theses and dissertations for proposing a model for applying in Iran’s National System for Theses and Dissertations (INSTD). Design/methodology/approach This study used a mixed research methodology. The grounded theory was used in the qualitative phase, and a researcher-made checklist was applied in the quantitative phase for surveying the status of the INSTD. Research population included INSTD as well as six information specialists and copyright experts. Data were analysed by using open, axial and selective coding. Findings Based on data extracted from the completed checklists, some technical requirements had been provided in the system. The technical requirements that interviewees pointed out included the following two main classes: technical components and technical-software infrastructures, explored in the phase of the grounded theory. The individual categories included access control, copy control, technical-software challenges, protecting standards, hypertext transfer protocol secure, certificate authority, documentation of thesis and dissertation information, the use of digital object identifiers, copy detection systems, thesis and dissertation integrated systems, digital rights management systems and electronic copyright management systems. Research limitations/implications Considering the subject of this study, only the technical aspect was investigated, and other aspects were not included. In addition, electronic theses and dissertation (ETD) providers were not well aware of copyright issues. Practical implications Using the technical requirements with high security is effective in the INSTD to gain the trust of the authors and encourage them to deposit their ETDs. Social implications The increased use of the system encourages the authors to be more innovative in conducting their research. Originality/value Considering the continued violation of copyright in electronic databases, applying technical requirements for copyright protection and regulating users’ access to the information of theses and dissertations are needed in the INSTD.
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Kanter, Anjel Ria Meilivia, Moch Bakri, and Imam Koeswahyono. "KEABSAHAN JUAL BELI ATAS OBJEK JAMINAN HAK TANGGUNGAN OLEH BANK YANG DILAKUKAN TANPA MELALUI MEKANISME LELANG." Perspektif Hukum 17, no. 1 (October 8, 2018): 46. http://dx.doi.org/10.30649/phj.v17i1.83.
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<p><em>The Sale and Purchase of the mortgage lending object is intended to pay off the loan from the debtor</em><em>. </em><em>Based on the background, then as for the formulation of the problem of writing is </em><em>a.</em><em> How does the validity of the sale and purchase of the object of guarantee of mortgage rights by the bank conducted without through the auction mechanism? </em><em>b</em><em>. What are the legal consequences for the sale and purchase of the mortgage guarantee object by the bank which is conducted without the auction mechanism?</em><em> </em><em>The research method used is normative juridical research with approach approaches statute approach, conceptual approach, case approach (Case Approach). The result of this research is the Sale and Purchase of the object of mortgage guarantee which is done under the hand and without the debtor's consent is a unlawful act where the sale and purchase of the mortgage security object is contrary to the provisions set forth in Article 6 and Article 20 of Law no. 4 Year 1996 Concerning the Rights of Consumers therefore the sale and purchase of a guarantee maternity guarantee is null and void or it is deemed that there has never been any sale.</em><em> </em><em>Furthermore, the Sale and Purchase of the underwriting object under the hand is contrary to Article 20 paragraph 1 (one), paragraph 2 (two), and paragraph 3 (three) of Law no. 4 of 1996 Concerning the Deposit Rights shall have legal consequences for the Creditor as the seller and PPAT as the Officer making the Sale and Purchase Certificate as well as for the Buyer who has good trade</em><em></em></p>
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Alfian, Muhammad. "EFEKTIFITAS MEKANISME TRANSMISI KEBIJAKAN MONETER PADA JALUR SUKU BUNGA PERIODE 2005:07-2010:06." Media Ekonomi 19, no. 1 (November 3, 2017): 89. http://dx.doi.org/10.25105/me.v19i1.836.
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Vector Auto Regression (VAR) is an analysis or statistic method which can be used to predict time series variable and to analyst dynamic impact of disturbance factor in the variable system. In addition, VAR analysis is very usefull to assess the interrelationship between economics variable. This research through the following test phases: unit root test, optimal lag test, granger causality test, and form a vector auto regression model (VAR). The data used in this research is the Bank Indonesia Certificate rate data (SBI), interbank offered rate data (PUAB), deposit rate data (DEP), loan rate data (KDRT) and credit aggregate data (AGKDRT) of Indonesia in the period 2005:07-2010:06. The effectiveness was measured by two indicators. They are: (1). how fast or how many time lag needed since the shock of monetary instruments (rSBI) until the realisation of intermediary target of monetary policy (monetary aggregate). (2). How strong the variables of Interest Rate Channel response the shock of SBI interest rate and other variable. This study used secondary data issued by Bank Indonesia. The result of the study shows that response velocity of variable in Interest Rate Channel towards shock instrument of monetary policy (SBI) until reach the final target about 4 months. While impulse response function of variables in this channel to the shock instrument of monetary policy (SBI) is quiet weak and the main variable in interest rate money market among bank (PUAB) able to explain diversity intermediary target of monetary policy (Monetary Aggregate) about 2,82%. This result once shows a weak Granger causality and predictive power between PUAB as the operational target with monetary aggregate as the intermediary target of monetary policy. Thus we can conclude that mechanism of monetary policy transmission through Interest Rate Channel is not effective to reach the intermediary target of monetary policy of Indonesia period of 2005:072010:06. Keyword: Vector Auto Regression (VAR), The Monetary Transmission Mechanism (MTKM), The Interest Rate Channel.
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Gardiner, Joseph C., and Shlomo Levental. "On pricing of market-indexed certificates of deposit." Statistics & Probability Letters 8, no. 4 (September 1989): 329–34. http://dx.doi.org/10.1016/0167-7152(89)90040-0.
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Chen, Andrew H., and John W. Kensinger. "An analysis of market-index certificates of deposit." Journal of Financial Services Research 4, no. 2 (July 1990): 93–110. http://dx.doi.org/10.1007/bf00352565.
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Prokofieva, Elena. "Deposit and Savings Certificates: Economic Advantages and Problems of Use." Известия Байкальского государственного университета 28, no. 3 (September 3, 2018): 434–41. http://dx.doi.org/10.17150/2500-2759.2018.28(3).434-441.
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A market economy and a civilized banking system have been developing in Russia for more than 25 years. However, some sectors of the financial market have not reached a decent level of development yet. Among them is the market of deposit and savings certificates. In conditions of instability and short-term resource base of banks, certificates as instruments of the short-term stock market could be sought after by participants of the banking system. However, despite the actions taken by the banking community, there are no significant positive changes. This determined the relevance of the research topic. The author studies modern features of the deposit and savings certificates market formed in Russia and determines the range of factors influencing the policy of banks in this area. The author justifies the necessity and expediency of the development of this sector of the securities market, emphasizing its merits for both issuers and individuals placing money in certificates.
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Bidabad, Bijan. "Fluctuations and Business Cycles Prevention by New Financial Instruments and Banking Structure Reform." International Journal of Accounting & Finance Review 4, no. 1 (June 1, 2019): 35–50. http://dx.doi.org/10.46281/ijafr.v4i1.282.
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Regarding the formation of financial crises in monetary and financial markets of advanced economies and its transmission to other countries through financial markets and foreign trade, a solution is pointed out which is called the reform of financial, monetary and banking structure. In spite of various theories about the source of crises, studies in this field show that usurious banking structures are the main source of crises. The curing method of this economic disease is to prevent somehow the existing time-lag between “deposits interest rates” and “loans interest rates”, which creates fluctuations in supply and demand of financial sources. That is to say, banks should not function as a conventional economic firm, but should function as a financial intermediate. Banking structural reform and new financial instruments will be introduced in this regard.Profit and Loss Sharing (PLS) Banking and its sub-systems as Joaleh Financial Sharing (JFS) and Mudarebeh Financial Sharing (MFS) with new financial instruments of “Partnership (Mosharekah) Certificate”, “Subscripted (Pazireh) Certificates” and “Future Certificate” are introduced at commercial and specialized banking levels. “Interest-Free Bonds” in four different groups of “Central Bank Interest-free Bonds”, “Banking Interest-free Bonds”, “Treasury Interest-free Bonds” all in varieties on domestic money and Foreign Currency are also introduced which in addition to elimination of usury, can be efficiently used as secure financial instruments at central, commercial and retail banking levels. “Saving Qarzul-Hasanah Certificate” as a kind of Interest-Free Bonds are also introduced. Non-Usury Script-less Security Settlement System (NSSSS) based on information and communication technology has been put forward for creating a secondary market of financial instruments transaction which provides the necessary background for financial structure reform. Squandering prevention and waste prevention and economic ethic teachings are also introduced as supplements in solving crises.
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Sumawati, Sumawati, Tunggal Anshari Setia Negara, and R. Imam Rahmat Safi’i. "The Juridical Implication on Signature of a Notary or Official Land Deed on the Statement Certificate of Transfer of Rights of a Land and/ or Building or the Amendment of Bonding Agreement of Sale and Purchase of Land and/ or Building." Unram Law Review 3, no. 1 (April 30, 2019): 15–24. http://dx.doi.org/10.29303/ulrev.v3i1.52.
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This research journal discusses legal issues relating to the legal implications of Notary Public or Land Deed Officials (PPAT) in the declaration of transfer of land and / or building rights or the amendment of sale and purchase agreement on land and building to be reviewed from Appendix II of the Regulation of the General Director of Tax No. PER-18 / PJ / 2017. Based on Article 3 of the Regulation of General Director of Tax Number PER-18 / PJ / 2017 concerning Procedures of Research of Proof of Fulfillment of Tax Obligation of Income Tax on Transfer of Right to Land and / or Building and Sale and Purchase Agreement on land and / or building and its amendment, where the taxpayer or his / her proxy is required to submit a research request proof of the fulfillment of the obligation to deposit the income tax one of them by attaching the Statement of transfer of rights to the land and or building that has been filled completely and stamped, and a copy of proof of sale and / or receipt of cash in cash which has been signed by the party that transferred the right to the land. Therefore, the Notary or Officer of the Deed of Land (PPAT) as the official authorized to make the deed related to the transfer of land and / or building rights are required to participate in knowing and signing the Statement of Transfer of Land and / or Land Rights. Pursuant to this matter, this research aims to know and analyze authority and responsibility of Notary / PPAT in signing letter of transfer of right of land and / or building, and juridical implication of Notary / PPAT signature in the statement letter. The research method used by the writer is the statutory approach. Notary / PPAT does not need to be involved in the Letter of Declaration of the transfer of land and building rights, and the Notary Law does not mention any applicable sanctions.
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Baubonis, Charles, Gary L. Gastineau, and David Purcell. "The Banker's Guide to Equity-Linked Certificates of Deposit." Journal of Derivatives 1, no. 2 (November 30, 1993): 87–95. http://dx.doi.org/10.3905/jod.1993.407880.
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Sahudi, Sahudi, and Akhmad Khisni. "Effects for Land Deed Official (PPAT) in the Sale and Purchase Agreements of Land Which Does Not Match With Procedure of the Land Deed Making in Magelang." Jurnal Akta 6, no. 4 (February 10, 2020): 755. http://dx.doi.org/10.30659/akta.v6i4.7634.
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The purpose of this study was to analyze: 1) The forms of the deed of sale of land that is not in accordance with the procedures of the Land Deed Manufacture in Magelang. 2) The cause of the Deed of Sale and Purchase of Land not in accordance with the procedures of the Land Deed Manufacture in Magelang. 3) The legal consequences for the Land Deed Official (PPAT) in the manufacture of a deed of sale of land that is not in accordance with the procedures show a deed of land in Magelang.This research is normative juridical approach, the sociological juridical approach. The collection of primary and secondary data obtained by interview and literature study, then analyzed by qualitative analysis method.The research results are: 1) The forms of the deed of sale of land that is not in accordance with the procedures Making Land Deed in Magelang among which the sales and purchase agreement by the parties do not before PPAT who signed the deed of sale (deposit certificate), signing not done in the same time in front of PPAT, the transaction price values contained in the deed of sale is different from the actual transaction value. 2) The cause of the Deed of Sale and Purchase of Land not in accordance with the procedures Making Land Deed in Magelang, namely the existence of a situation which requires PPAT to manufacture the deed of sale that is not in accordance with the procedures deed PPAT is needed in order to save a sale and purchase transaction , their high trust between the parties with PPAT, a factor the value of security be so PPAT would follow the wishes of the parties. 3) The legal consequences for Deed Official Land (PPAT) in the manufacture of a deed of sale of land that is not in accordance with the procedures show a deed of land in the district of Magelang is PPAT be dishonorably discharged from his position, may be subject to administrative sanctions and fines in accordance with the regulations applicable.Keywords: Sale and Purchase Agreements; PPAT; Effects.
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Adelia Purnama, Aidida. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN PADA PERBANKAN SYARIAH INDONESIA PERIODE 2006.01-2011.12." Media Ekonomi 20, no. 3 (November 3, 2017): 1. http://dx.doi.org/10.25105/me.v20i3.785.
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<p>This study aims to determine the factors that influence the development of IslamicBanking Financing in Indonesia, including Third Party Funds (TPF),NonPerforming Financing (NPF),the level of reward certificates of Bank Indonesia(SWBI) and Financing to Deposit Ratio (FDR).The data used in this study is asecondary data with the monthly period 2006:01-2011:12.The Analysis techniqueused is the Multiple Linear Regression Methods premises OLS (Ordinary LeastSquare).The result show that the Third Party Funds(TPF) has positive andsignificant impact of Islamic Banking Distribution Financing. While the NonPerforming Financing (NPF) and the level of rewards Certificates of Bank Indonesia give negative and no significant impact and Financing to Deposit Ratiogive positive and no significant impact of Islamic Banking Financing Distribution.<br />Keywords:Islamic Banking Financing Distribution, Third Party Funds (TPS),Non PerformingFinancing (NPF),Certificates Wadiah of Bank Indonesia (SWBI and Financing toDeposit Ratio (FDR)</p>
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Pripachkin, P. V. "Major deposits and occurrences of platinum ores of the Kola belt layered intrusions (Kola Peninsula, Russia)." LITHOSPHERE (Russia) 19, no. 5 (November 23, 2019): 731–51. http://dx.doi.org/10.24930/1681-9004-2019-19-5-731-751.
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Research subject. This paper presents data characterizing major occurrences and deposits of platinum group elements (PGE) of Kola belt layered mafic-ultramafic intrusions (Kola Peninsula).Materials and methods. The study was based on extensive experimental data collected by the author over a long-term period and a comprehensive analysis of published and archive literature pertaining to this field.Results. Certificates (so-called passports) were compiled for all major PGE objects in theKola Peninsula, which include diverse characterization parameters (geological, structural, isotope-geochemical, mineralogical). The formation of PGE mineralization was compared with both the age characteristics of large layered complexes and the sequence of intrusion of individual magmatic phases.Conclusion. The proposed parameters can be used to determine specific features of PGE objects, thus allowing identification of objects promising in terms of industrial development. The obtained results demonstrate the importance of taking into account these specific features during mineral deposit exploitation.
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Ardana, Yudhistira. "Faktor Internal, Makroekonomi dan Pembiayaan Bermasalah Bank Syariah di Indonesia." Esensi: Jurnal Bisnis dan Manajemen 9, no. 1 (December 10, 2019): 41–56. http://dx.doi.org/10.15408/ess.v9i1.10743.
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Non Performing Financing is the most important issue for banks to survive. This study aims to analyze the determination of internal and external factors on Non Performing FInancing on Sharia Banking in Indonesia. This study uses Error Correction Model analysis techniques. The results show that in the short term the variables that have a significant effect on Non Performing Financing on Sharia Banking in Indonesia are inflation variables, while the Exchange Rate, Bank Indonesia Certificate of Wadi’ah, Industrial Production Index, Financing Deposite Ratio, and Capital Adequacy Ratio variables have no significant effect. In the long run the variables that are influential are Exchange Rate, Bank Indonesia Certificate of Wadi’ah, Financing Deposite Ratio, and Capital Adequacy Ratio, while Inflation and Industrial Production Index have no significant effect.
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Hannan, Timothy H., and Gerald A. Hanweck. "Bank Insolvency Risk and the Market for Large Certificates of Deposit." Journal of Money, Credit and Banking 20, no. 2 (May 1988): 203. http://dx.doi.org/10.2307/1992111.
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R, Saravanaselvi, and Thiruppathy K. "Functions of the indian mutual fund industry." Journal of Management and Science 1, no. 1 (June 30, 2013): 32–38. http://dx.doi.org/10.26524/jms.2013.5.
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Investment is a commitment of funds in real assets or financial assets. Investment involves risk and gain. In the present dynamic global environment, e x p l o r i n g investment a v e n u e s a r e of g r e a t r e l e v a n c e .Investment skills developed over a period of time are considerably influenced by experience and spadework carried out to arrive at conclusions. The success of an investment acti vit y depends on the knowledge and ability of investors to invest, the right amount, in the right type of investment, at the right time. Real assets, being tangible material things, are less liquid than financial asset Compared to financial assets, returns on real assets are more difficult to measure accurately due to the absence of broad, ready, and active market. Financial assets available to individual investors are manifold, having different concomitant benefits to choose from. All financial investments are risky but the degree of risk and return differ from each other. An investor has to use his discretion, which is an art acquired by l earning a n d pra ct i cal experience. The knowledge of financial investment and the art of its management are the basic requirements for a successful investor Financial system comprises of financial institutions, services, markets and instruments,which are closely related and work in conjunction with each other. The litany of new financial institutions and instruments developed in recent years, with the ostensible objective of modernizing the financial sector, is impressively long; Mutual Funds, Discount and Finance House of India, Money Market Mutual Funds, Certificate of Deposit, Commercial Paper, Factoring and Treasury Bills. Financial services through the network of elements serve the needsofindividuals, institutionsand companies. It is through these elements, the functioning of the financial system is facilitated. Over the years, the financial services in India have undergone revolutionary changes and had become more sophisticated, in response to the varied needs of the economy. The process of financial sector reforms, economic liberalization and globalization of Indian Ca pi tal Market had generated and augmented the interest of the investors in equity. But, due to Inadequate knowledge of the capital market and lack of professional expertise, the common investors are still hesitant to invest their hard earned money in the corporate securities. The advent of mutual funds has helped in garnering the investible funds of this category of investors in a significant way.
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Sawitri, Ni Nyoman. "The Prediction of Third Party Funds, Interest Rates, and Non-Performing Loans toward Loan To Deposit Ratios and Its Impact on Return on Assets on Commercial Banks in Indonesia." Jurnal Manajemen 22, no. 3 (October 24, 2018): 409. http://dx.doi.org/10.24912/jm.v22i3.430.
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This research aims to analyze the influence of third party funds, Bank Indonesia Certificates, and non-performing loans on return on assets and loan deposit ratio and the effect of loan deposit ratio on return on assets of commercial banks in Indonesia. The sample of this research is commercial bank listed Bursa Efek Indonesia period 2011 - 2015. There are 15 banks that meet the criteria as research samples with assets above IDR 50 Trillion. Hypothesis testing uses path analysis techniques. The results of this research indicate that TPF, BIC and NPL are partially and simultaneously influential and significant to the LDR, while TPF, BIC, NPL simultaneously also have an effect and significant effect on ROA, and LDR affects ROA but is not significant.
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Wyszyński, Artur. "Structured Certificates of Deposit as an Example of Alternative Investments on the Financial Market." Olsztyn Economic Journal 3, no. 2 (December 1, 2008): 265–76. http://dx.doi.org/10.2478/v10021.008-0022-7.
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Cooperman, Elizabeth S., Winson B. Lee, and James P. Lesage. "Commercial bank and thrift interdependence and local market competition for retail certificates of deposit." Journal of Financial Services Research 4, no. 1 (March 1990): 37–52. http://dx.doi.org/10.1007/bf00365552.
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Setyawati, Umi, and Amin Purnawan. "Akta Penegasan Keterangan Waris Sebagai Pengganti Surat Keterangan Waris Dalam Pengurusan Balik Nama Waris Di Kantor Pertanahan Kota Semarang." Jurnal Akta 5, no. 1 (March 5, 2018): 33. http://dx.doi.org/10.30659/akta.v5i1.2529.
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ABSTRAK Dalam penelitian ini permasalahan yang akan dibahas yaitu peranan Notaris dalam pembuatan Akta Penegasan Keterangan Waris, kendala-kendala yang dihadapi Notaris dalam pembuatan Akta Penegasan Keterangan Waris dan tata cara dan proses balik nama waris dengan menggunakan Akta Penegasan Keterangan Waris sebagai pengganti Surat Keterangan Waris di Kantor Pertanahan Kota Semarang. Penelitian ini dilakukan dengan menggunakan metode pendekatan yuridis empiris. Adapaun sumber dan jenis data dalam penelitian ini adalah data primer yang diperoleh dari studi lapangan. Dan data sekunder diperoleh dari studi kepustakaan. Simpulan dari penelitian ini adalah bahwa dari setiap peristiwa alam yang berhubungan dengan kematian akan timbul/lahir peristiwa hukum secara perdata baik berhubungan dengan almarhum/alamrhumah (si pewaris) maupun dengan orang-orang yang ditinggalkannya (para ahli waris), yang mau tidak mau harus segera diselesaikan oleh para ahli waris. Selain digunakan dalam pengurusan proses balik nama waris, Akta Penegasan Keterangan Waris dapat pula digunakan sebagai pengganti Surat Keterangan Waris (KHW) dalam pengurusan penutupan dan/atau untuk mengambil harta warisan dalam bentuk deposito, tabungan di bank-bank maupun di tempat-tempat/instansi dimana si pewaris menyimpan kekayaannya dalam bentuk benda bergerak. Dengan berlaku dan dapat digunakannya Akta Penegasan Keterangan Waris sebagai pengganti Surat Keterangan Waris dalam pengurusan proses balik nama sertifikat tanah ke atas nama para ahli waris, di Kantor Pertanahan Kota Semarang, secara tidak langsung hal ini merupakan suatu penemuan hukum baru dalam pengurusan proses balik nama waris, khusunya di Kantor Pertanahan Kota Semarang.Kata Kunci : Akta, Surat Keterangan Waris, Balik NamaABSTRACTIn this research, the issues that will be discussed are the role of Notary in making the Deed of Confirmation of Inheritance Statement, the constraints faced by the Notary in making the Deed of Confirmation of Inheritance Statement and the procedure and the process of returning the name of the inheritance by using Deed of Confirmation of Inheritance Statement in lieu of Certificate of Inheritance at the Office Land of Semarang City. This research was conducted using empirical juridical approach method. Adapaun source and type of data in this research is primary data obtained from field study. And secondary data obtained from literature study. The conclusion of this study is that from any natural event related to death there will arise a civil event both related to the deceased / the heir (the heir) and the persons he left behind (the heirs), which inevitably have to immediately completed by the heirs. In addition to being used in the process of handling the process of inheritance, the Deed of Confirmation of Inheritance Statement may also be used as a substitute for Certificate of Inheritance (KHW) in the management of closure and / or to take inheritance in the form of deposits, savings in banks or in places / institutions where the heir keeps his wealth in the form of moving objects. With the validity and applicability of the Deed of Confirmation of Inheritance Statement as a substitute for the Certificate of Inheritance in processing the process of returning the name of the land certificate on behalf of the heirs, in the Land Office of Semarang City, indirectly this is a new legal discovery in the process of handling the process of inheritance , especially in the Land Office of Semarang City.Keywords: Deed, Inheritance Certificate, Reverse Name
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Hernandez, Rodrigo, Jorge Brusa, and Daniel Pu Liu. "The design of bank-issued market-indexed certificates of deposit - survey, pricing and empirical test." International Journal of Financial Markets and Derivatives 3, no. 1 (2012): 45. http://dx.doi.org/10.1504/ijfmd.2012.053337.
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Chiang, Kevin C. H., and Ashley W. P. Kung. "Bidding dynamics in multi-unit auctions: empirical evidence from online auctions of certificates of deposit." Journal of Financial Intermediation 14, no. 2 (April 2005): 239–52. http://dx.doi.org/10.1016/j.jfi.2004.05.002.
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Deb, Rajat, Prasenjit Deb, Sujit Majumder, Sourav Chakraborty, and Kiran Sankar Chakraborty. "Answering Savings Puzzle About Small Saving Schemes and Mutual Funds: Evidence from Tripura." Metamorphosis: A Journal of Management Research 18, no. 1 (May 29, 2019): 7–19. http://dx.doi.org/10.1177/0972622518823587.
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The study has motivated to assay the comparatively better saving tool—small saving schemes or mutual funds—based on empirical evidence. The related literature has been extensively reviewed to frame a conceptual model and has adopted survey strategy with stratified random sampling technique for gathering data from 150 respondents. Inferential statistics have supported to reject the null hypotheses and has concluded that selective demographics, risk, returns, tax benefits, inflation beating capability, and liquidity significantly influence in savings. The national saving certificate and fixed deposits have been identified as most preferred saving instruments while mutual funds have also been gaining popularity. Policy implications have been derived from the study.
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Fraser, Patricia. "AN EMPIRICAL ANALYSIS OF THE RELATIONSHIP BETWEEN UK TREASURY BILLS AND THE TERM STRUCTURE OF CERTIFICATES OF DEPOSIT." Bulletin of Economic Research 47, no. 2 (April 1995): 143–60. http://dx.doi.org/10.1111/j.1467-8586.1995.tb00607.x.
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Modlin, Steve. "Investing During the Recession: How County Governments Utilized Idle Cash." Journal of Public Management Research 6, no. 1 (January 28, 2020): 24. http://dx.doi.org/10.5296/jpmr.v6i1.13439.
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This article examines the investing practices of North and South Carolina county governments during the recession. Unlike many local governments across the country, county governments in both states reported that there were indeed funds available for investing at any given time. Initial findings indicate that investors were concerned for safety and liquidity as the local government investment pool (LGIP) for both states along with certificates of deposit (CDs) were the preferred instruments. Regression models of the four most widely used instruments were analyzed. Findings indicate lower property tax collections and an external primary bank of business were associated with higher LGIP investment; whereas, a significant relationship was also found between those with less experience and official educational background other than accounting and an increase in money market funds and federal government securities.
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Ripatti, Antti, and Pentti. "VECTOR AUTOREGRESSIVE PROCESSES WITH NONLINEAR TIME TRENDS IN COINTEGRATING RELATIONS." Macroeconomic Dynamics 5, no. 4 (September 2001): 577–97. http://dx.doi.org/10.1017/s1365100501023069.
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We extend the conventional cointegrated VAR model to allow for general nonlinear deterministic trends. These nonlinear trends can be used to model gradual structural changes in the intercept term of the cointegrating relations. A general asymptotic theory of estimation and statistical inference is reviewed and a diagnostic test for the correct specification of an employed nonlinear trend is developed. The methods are applied to Finnish interest-rate data. A smooth level shift of the logistic form between the own-yield of broad money and the short-term money market rate is found appropriate for these data. The level shift is motivated by the deregulation of issuing certificates of deposit and its inclusion in the model solves the puzzle of the “missing cointegration vector” found in a previous study.
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Amalia, Rizqi, and Khusnul Hidayah. "PENGARUH DANA PIHAK KETIGA, MARGIN KEUNTUNGAN, SERTIFIKAT WADIAH BANK INDONESIA, RETURN ON ASSET, DAN NON PERFORMING FINANCING TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI DAN BANK MUAMALAT INDONESIA PERIODA 2009-2013." Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit 4, no. 1 (July 4, 2018): 1. http://dx.doi.org/10.12928/j.reksa.v4i1.37.
Full textAbstract:
Islamic banks have the same functionality conventional banks as intermediaries of financial services (financial intermediary), has a fundamental duty to collect funds from the public and channeled back to the community in the form of financing facilities. Fund raising is done through savings and investments such, wadiah deposits, savings and time deposits. The distribution of funds is done with some kind of contract as, murabahah, istishna, mudharabah, musyarakah, ijarah, and salam. The purpose of this research is to determine the effect of Third party funds (DPK), profit margin, wadiah certificate of Indonesian Bank (SWBI), return on assets (ROA), and non performing financing (NPF) to murabahah financing. Object in the reserach is Bank Syariah Mandiri and Bank Muamalat Indonesia period 2009-2013. The result of analysis showed by simultan DPK, profit margin, SWBI, ROA, and NPF effect to murabahah financing. Predictive ability of the five variables to financing is 98.7% which is indicated by the amount of adjusted R2 and the rest is influenced by other variables. DPK, and ROA partially positive effect to murabahah financing. SWBI negatively affect to murabahah financing. The profit margin is not a positive influence to murabahah financing and NPF does not negative affect to murabahah financing.