Journal articles on the topic 'Don Banks'
To see the other types of publications on this topic, follow the link: Don Banks.
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Don Banks.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Gorbik, K. А. "Activities of the Azov-Don Commercial Bank in the Russian Empire." IZVESTIYA VUZOV SEVERO-KAVKAZSKII REGION SOCIAL SCIENCE, no. 3 (207) (October 19, 2020): 45–49. http://dx.doi.org/10.18522/2687-0770-2020-3-45-49.
Full textAbstract:
The great reforms of Alexander II contributed to the development of a network of state and non-state bank-ing institutions. Non-state credit organizations such as commercial banks not only lent to different sectors of the domestic economy, but also brought financial dividends to the holders of their shares. Commercial banks played the role of intermediaries between persons with free capital and citizens of the Russian Empire who needed additional financial resources. The activities of private bank institutions were aimed at supporting the people of the Russian Empire by providing various banking services. The author explores the activities of commercial banks in the context of the development of capitalist relations in the reformed Russia. The activity of lending to the Don population by central and local commercial banks is considered separately. On the basis of statistical materials, it describes the operations of the Azov-Don commercial bank. The organizational structure of the Azov-Don commercial bank is investigated. Its activity is considered as financial discount, issue of loans and reception of deposits.
2
Alimdjanov, B. A. "History of the Bukhara branch of the Azov-Don commercial bank." Vestnik of the Plekhanov Russian University of Economics, no. 5 (October 25, 2018): 199–207. http://dx.doi.org/10.21686/2413-2829-2018-5-199-207.
Full textAbstract:
The article investigates foundations of work and functions of the Bukhara branch of the Azov-Don commercial bank. In soviet historiography banks were considered as colonialism tools (both Western and Russian). On the basis of archive data the author proves that finance institutions of the Russian Empire took into account the local specificity and stimulated production of export-oriented goods. The author uses inter-bank correspondence, annual reports of the branch director and materials of the Bukhara branch audit. For the first time active and passive bank transactions were researched, expenses and incomes of the bank were analyzed and personnel of the bank was studied. The author, in contrast to soviet and post-soviet researchers thinks that banks were not monopolists in economy of the Middle East. The Azov-Don bank had got a broad network of branches (4 branches) in the Middle East region. It tried to take in hand the export of cotton and fruit but could not become a monopolist in economic life of Turkestan. The principle cause of ‘failure’ according to the author was the adjustment of the bank to real economic relations in the Turkestan Governorship-General and khanates. Modernization of Central Asia economy, according to banks implied financing of export crops and intermediary between the metropolitan country and periphery. ‘Colonial’ periphery seemed to be an appealing field for investment and super-profit, but speculative nature of Turkestan economy stopped banks’ development. As a result economic modernization of the Middle East slowed down and opened the way to the soviet experiment.
3
Gorbik, Konstantin А. "Credit Institutions of the Don Cossack Army Region in the Post-Reform Period." IZVESTIYA VUZOV SEVERO-KAVKAZSKII REGION SOCIAL SCIENCE, no. 1 (213) (March 31, 2022): 58–64. http://dx.doi.org/10.18522/2687-0770-2022-1-58-64.
Full textAbstract:
The defeat in the Crimean War, the devastated post-war national economy and the recession in the economy cast great doubt on the future of the Russian Empire as a European power. Overcoming of the technological and military-technical lag of Russia from the leading European powers, the Tzarist government saw in the development of the banking system as well. Modernization in the financial sector contributed to the emergence of the State Bank, which carried out various accounting and loan operations to support different categories of the population. In the Don region lending to sectors of the local economy was carried out by the Rostov office of the State Bank. The economic specificity of the Don Cossack Army Region caused lending primarily to representatives of the peasant population, traders and companies selling grain crops. The author examines the functioning of commercial banks in the framework of the development of capitalist relations in the Don Cossack Army Region and Russia as a whole. Separately, he outlines the influence of state banks on the formation of domestic mortgage lending in the post-reform period. The activity of small credit institutions and inter-credit societies to the accounting of bills, the issuance of loans and the reception, and storage of deposits is considered. The influence of the Rostov City Public Bank on the Don economy is investigated.
4
Smolyaninov, Roman V., Aleksey A. Kulichkov, Yelizaveta S. Yurkina, and Yevgeniya Yu Yanish. "Памятники ранненеолитической среднедонкой культуры у села Доброе на верхнем Дону." Światowit 57 (December 17, 2019): 23–40. http://dx.doi.org/10.5604/01.3001.0013.6731.
Full textAbstract:
Nowadays there are 72 sites of the Neolithic Middle-Don Culture. Ceramic vessels are ornamented mostly using triangular pricks. These settlements are located on the banks of the rivers Voronezh and Don in their lower reaches. Not far from the town of Dobroe, a concentration of Neolithic settlements was found. Three of them contained Early Neolithic pottery of the Middle-Don Culture (6th millennium BC). For the first time on the settlement Dobroe 9 a cultural layer was found in situ. Due to the discovery of the assemblage of pottery and stone and bone tools, new excavations allowed us to characterise the material culture of the ancient population of the Upper Don in a new way.
5
Sari, Yetri Martika. "ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH SEBELUM DAN SESUDAH TERDAFTAR DI BEI." I-Finance: a Research Journal on Islamic Finance 5, no. 1 (July 1, 2019): 70–84. http://dx.doi.org/10.19109/ifinace.v5i1.3717.
Full textAbstract:
This study aims to assess the soundness of sharia commercial banks before and after being registere don the Indonesian stock exchange using the Risk-Based Bank Rating (RBBR) method which is stipulated in the OJK regulation No.8/POJK.03/2014 concerning the assessment of the soundness level of sharia commercial banks and sharia businessunits. The object of this research are sharia commercial banks registered on the Indonesian stock exchange (IDX). The sampling technique in this study used purposive sampling with the criteria of sharia commercial banks which was conducting an initial public offering in 2018. Two samples were obtained for this research, namely BRIS and BTPNS. The analytical techniques in this study were descriptive quantitative using four RBBR factors namely risk profile (NPF and FDR), GCG, profitability (NOM and ROA), andcapital (CAR). The resultsofthis study on the soundness of the bank before and after being listed on the IDX did not indicate a difference in the health rating of the banks both BRIS and BTPNS. the results of a comparison of the performance of BRIS and BTPNS seen from the four RBBR factors showed tha tBTPNS's performance was better than BRIS's performance.
6
Nikitin, L. "Cities with Over One Million Inhabitants on the Banking Map of Russia: Scales of Their Business Operations, Areas of Influence, and Network Ties." Voprosy Ekonomiki, no. 9 (September 20, 2008): 84–97. http://dx.doi.org/10.32609/0042-8736-2008-9-84-97.
Full textAbstract:
The article considers the state of banking business in the 12 largest Russian cities (after Moscow and St. Petersburg) in the beginning of 2006. The analysis is based on statistical data that depicts activity of resident as well as non-resident credit corporations in every city. Our research shows that there are two leading cities, namely Yekaterinburg and Kazan, with different strategies: "strong banks - open market" in the first case and "strong banks - partly closed market" in the second one. Other most successful banking centers (Rostov-on-Don, Novosibirsk, Chelyabinsk, Nizhny Novgorod and Samara) develop mainly in line with "the Yekaterinburg model", not that of Kazan.
7
Gardner, James. "The Don Banks Music Box to The Putney: The genesis and development of the VCS3 synthesiser." Organised Sound 22, no. 2 (July 12, 2017): 217–27. http://dx.doi.org/10.1017/s1355771817000127.
Full textAbstract:
This article traces the development of the EMS VCS3 synthesiser from the inception of its precursor, the Don Banks Music Box, through its prototype to its commercial release. The nature of the design team and their technical and aesthetic choices are also discussed. The VCS3 is significant in that it was the first commercial European synthesiser and the team that created it – Tristram Cary, David Cockerell and Peter Zinovieff – were key figures in the development of British electronic music. This detailed study of the genesis of the VCS3 and some of the factors that influenced its design touches on many technical and historiographical strands that may be examined in more depth by future scholars.
8
Muharam, Harjum, and Bianda Bellinda. "Diversifikasi Pendapatan, Kinerja Bank, dan Peran Moderasi Tipe Kepemilikan." JURNAL BISNIS STRATEGI 29, no. 1 (July 1, 2020): 68–79. http://dx.doi.org/10.14710/jbs.29.1.68-79.
Full textAbstract:
Income diversification is one of the Bank's strategies to earn income. Non-Interest Income is the alternative to absorb income other than Net Interest Income. However, the level of Non-Interest Income of Commercial Banks in Indonesia is still at an average of 20%. Based on this problem, the study aimed to analyze the effect of Income Diversification, Non-Interest Income, and determination of Non-Interest Income which is Fee Commissions Income And Trading Income on the performance of Commercial Banks in Indonesia listed in the Bursa Efek Indonesia (BEI) period of 2014 – 2018. The condition of Commercial Bank’s stakeholders in Indonesia also changes because of raised number of mergers and acquisition that occur in Indonesian banks. Therefore, this study aimed to analyze the state-owned ownership and foreign ownership in moderating the effect of Income Diversification and Non-Interest Income on Commercial Banks’ performance in Indonesia listed in Bursa Efek Indonesia (BEI) period of 2014-2018. The results of this study indicate that Income Diversification, Non-Interest Income, and Fee Commissions Income have positive and significant effect on the Bank's performance. Banks with state-owned ownership has a negative and significant influence in moderating the effect of Income Diversification and Non-Interest Income on ROA. Meanwhile, Banks with foreign ownership has a positive and significant effect on the Bank’s performance.
9
Venkov, Andrey. "Don Cossacks and the Battle of Rassevat on September 4, 1809." Vestnik Volgogradskogo gosudarstvennogo universiteta. Serija 4. Istorija. Regionovedenie. Mezhdunarodnye otnoshenija, no. 5 (December 2020): 185–96. http://dx.doi.org/10.15688/jvolsu4.2020.5.15.
Full textAbstract:
Introduction. The Russian-Turkish war of 1806–1812 was the longest military conflict between Russia and Turkey. In the hope to force the Turks to peace, Russian troops crossed the Danube several times and fought for key fortresses on its banks. One of the battles on the right Bank of the Danube in 1809 was won practically by the Don Cossacks alone. In this battle Russian troops were led by such famous military leaders as Bagration, Miloradovich, Platov. After this battle Miloradovich and Platov were promoted to “full generals” (general in chief). Methods and materials. This battle is also interesting because the state archive of Rostov region has a very detailed collection of documents about it. Of all the documents relating to this war, the greatest number refers to the battle of September 4, 1809, because after it Don ataman Platov received his highest rank. The purpose of this study is to identify reasons for such an unusual victory. Analysis and results. The author investigates the course of the battle in detail using archival materials. The study shows that Russian forces were twice as superior to Turkish ones; during the battle, the command made a number of mistakes, which did not allow to completely surround the Turkish troops. High awards received by the command for this battle did not quite correspond to the level of success. The Russian commanders had friends at court and this partly affected the awards.
10
Al Qadi, Faris, and Mohammed Al Haija. "The Role of Internal Auditors in Achieving the Social Responsibility of the Commercial Banks Operating in Jordan: A Field Study." International Journal of Business and Management 16, no. 6 (May 1, 2021): 42. http://dx.doi.org/10.5539/ijbm.v16n6p42.
Full textAbstract:
The aim of this study is to identify the role of the internal auditors in achieving the social responsibility of the commercial banks operating in Jordan as a result of its affectivity on the sustainable development of the society. The descriptive statistics were used to describe and respond to the two study samples, the ANOVA test and the T-test were used as well at the significance level (0.05) to examine the hypothesis of the study. This study found out that the internal auditors are doing well in verifying the integrity of commercial practices in Jordan regarding the human rights and business behavior on one hand, and don’t leave a finger with regard to the safety of environmental and social practices on the other hand. One of the important study recommendations is the necessity of urging the internal auditors to play a pivotal role in monitoring commercial banks related to environment and social relationships by holding training courses and programs in addition to conducting further studies on social responsibility and sustainable development.
11
Salah Uddin, K. M., and Nishat Tanzim. "The Role of Internal Auditors in Achieving the Social Responsibility of the Commercial Banks Operating in Jordan: A Field Study." International Journal of Business and Management 16, no. 6 (May 5, 2021): 56. http://dx.doi.org/10.5539/ijbm.v16n6p56.
Full textAbstract:
The aim of this study is to identify the role of the internal auditors in achieving the social responsibility of the commercial banks operating in Jordan as a result of its affectivity on the sustainable development of the society. The descriptive statistics were used to describe and respond to the two study samples, the ANOVA test and the T-test were used as well at the significance level (0.05) to examine the hypothesis of the study. This study found out that the internal auditors are doing well in verifying the integrity of commercial practices in Jordan regarding the human rights and business behavior on one hand, and don’t leave a finger with regard to the safety of environmental and social practices on the other hand. One of the important study recommendations is the necessity of urging the internal auditors to play a pivotal role in monitoring commercial banks related to environment and social relationships by holding training courses and programs in addition to conducting further studies on social responsibility and sustainable development.
12
Smolyaninov, Roman Victorovich, and Aleksey Vladimirovich Surkov. "THE EARLY NEOLITHIC OF THE UPPER DON." Samara Journal of Science 3, no. 3 (July 18, 2014): 161–71. http://dx.doi.org/10.17816/snv20143218.
Full textAbstract:
Traditionally the Early Neolithic of the Upper Don was associated the Middle Don culture (Sinyuk, 1986), but recent researches of the following sites - Karamyshevo 5, 9; Vasilyevsky Kordon 5, 7; Ivnitsa etc. have afforded ground for attributing the Early Neolithic of the Upper Don to Karamyshevo culture. This article analyzes the finds of Karamyshevo culture from 26 sites located in the basin of the Voronezh river. Those collections have all the grounds to be included into Early Neolithic antiquities as they have gone through radiocarbon dating and their chronological position correlates with the data of Elshan, Upper Volga and other Early Neolithic Cultures. In terms of location some Karamyshevo sites can be singled out: - in the Upper Voronezh region near the settlements of Preobrazhenovka and Dobroye in Lipetsk region in the right-bank flood plain of the river on the buttes of terraces above the flood-plain and leveed banks (Vasilyevsky Kordon 3, 5, 7, 25, Ratchino 22, Dobroye 1, Studenovka 3); - in the Middle Voronezh region round Lipetsk and near the settlement of Karamyshevo in Lipetsk region in the flood plain of the river on the buttes of terraces above the flood-plain (Lipetskoye Ozero, Shlyuz, Gudovsky Kordon, Krasny Bugor, Karamyshevo 1, 5, 9, 19 etc.) - in the Lower river region on the border of Lipetsk and Voronezh regions in the left-bank flood plain of the Voronezh river on the buttes of terraces above the flood-plain (Savitskoye 1, Kurino 1, Ivnitsa, Stupino) The sites of Karamyshevo culture show some typical features which are characteristic of the Upper Don region - few stone implements, so the main distinguishing feature of those antiquities is pottery according to its finish and decoration. This pottery has lumpy paste which visually consists of natural inclusions or chamotte in rare cases. More recent pottery finds have sanded paste without visible inclusions which is similar to that of the Middle Don culture. According to the method of finishing the pottery is divided into two groups: thouroughly smoothed and burnished on the outer surface pottery and smoothed one with scratches which seems to be a definite chronological marker. According to their shape the vessels are divided into straight-walled and biconical with a straight or shaped rim and mainly with a pointed bottom. The larger part of Karamyshevo pottery is plain. So among 500 pottery finds from Ivnitsa site 62% of those materials is plain, about 20% is decorated with oval, triangle and paired strokes, 11% is decorated with a short-pitch stamp, 21 finds have thin and shallow lines on the surface and 10 finds are decorated with pits. Here we can speak about a relatively early stage of the site as later sites (Karamyshevo 9, Vasilyevsky Kordon 7) have more decorated pottery. The appearance of pit-like and comb decorations is connected with the final stage of this culture. For dating of Karamyshevo culture we have the dates of the beginning of the Vth century B.C. - the first half of the IVth century B.C. (ВР). On the basis of the above-stated data we can come to a conclusion that at the end of the IVth century B.C. the first pottery complexes appeared in the forest-steppe and forest zones of Eastern Europe and they had a number of common features which specifically formed the basis of local cultures that we single out today and which existed in the Vth century B.C. Such cultures include Karamyshevo culture which sites might have dated back to the first half of the IVth century B.C.
13
Горобец and Aleksandr Gorobets. "Productivity and sanitary condition of brittle willow stands in the floodplain of the Don River." Forestry Engineering Journal 5, no. 1 (May 1, 2015): 7–17. http://dx.doi.org/10.12737/11259.
Full textAbstract:
Brittle willow (Salix fragilis L.) is widespread in the floodplain of the Don River with flowing groundwater. It forms stands on the bulging banks of the meander on the floodplain allyuvial--turf layered sand and sandy loam soil, as well as in central and on the terrace floodplain on floodplain alluvial-turf layered clay-sandy soil. Floodplains with groundwater (in low water) closer than 2 meters are unsuitable for brittle willow. Inspection of brittle willow stands was made in August 2008 at the Woodland of the Davydov forestry of the Voronezh region. Test plots are located in the most characteristic for the growth of brittle willow elements of the floodplain of the Don. Stands of coppice origin are mostly old-growth, low-quality class (IV-V). Significant signs of weakening do not have only stands up to the age of 20 years. Already by the age of 25 willow groves are weakened, from 30 to 45 years greatly weakened, and from the age of 50 they dry out. The highest increase in the current stock of stem wood is marked up to 25 years of age stands (3.8-3.9 cubic meters per hectare per year), after which the pace of growth has slowed. From the age of 30 there is a significant deterioration in the health of the tree stand and a significant reduction in the rate of growth on the trunk of the stock wood. In stands older than 50 years, more than 70% of stocks fell on the shrink and dead trees. With 55 years the value of natural mortality exceeds biomass accumulation and reaches 4.0 cubic meters per hectare per year to 65 years of age. At the same age and equal fullness, growing in the central floodplain are more productive stands. Predominance in the floodplain of the Don of old-growth stands of willow determines the need for their rejuvenation. Materials may outlined in this paper may be used in the design of thinning, sanitary felling and reforestation.
14
Gunawan, Juniati. "TANGGUNG JAWAB SOSIAL, LINGKUNGAN DAN REPUTASI PERUSAHAAN: PENGUNGKAPAN PADA SITUS BANK." Media Riset Akuntansi, Auditing & Informasi 18, no. 1 (May 14, 2018): 49. http://dx.doi.org/10.25105/mraai.v18i1.2858.
Full textAbstract:
<p>This research aims to provide evidence on the contents of corporate social and environmental responsibility (CSER) disclosures and company reputation on the three largest Banks (Bank Mandiri, Bank Central Asia and Bank Rakyat Indonesia) in Indonesia. CSER disclosures were measured through content analysis methods from the company’s’ websites, and company's reputation was measured through customer perceptions. The study was conducted through an online survey of 360 customers by undertaken non probability sampling and accidental sampling (convenience sampling). The results show that the majority of respondents agree with a good reputation after reading the Banks’ CSER websites. The dominant information of the Bank’s CSER website are community activities and programs, followed by environmental activities. Respondents stated that the Bank's reputation has been good and by reading the CSER website, the respondents felt more familiar with the Bank's activities. This familiarity adds a sense of customer’s closeness to the Bank. This research provides implementation contributions to the Bank and also provides empirical findings that can be used by other Banks in delivering CSER disclosures on the website. This research enhances to the depth of study in the field of CSER in the Indonesian context and contributes to the new insights for CSER research area. </p>
15
Krinko, Evgeny, Alexander Skorik, and Alla Shadrina. "The Don and Kuban Regions During Famine: The Authorities, the Cossacks, and the Church in 1921–1922 and 1932–1933." Nationalities Papers 48, no. 3 (May 2020): 569–84. http://dx.doi.org/10.1017/nps.2019.120.
Full textAbstract:
AbstractThis article studies the famine of 1921–1922 and 1932–1933 in the Southern Russian regions. Famine as a socio-historical phenomenon is considered in the context of the relationship of state power, the Cossacks, and the Church. The authors reveal the general and special features of the famine emergence and analyze the differences in the state policies of 1921–1922 and 1932–1933. Considerable attention is paid to the survival strategies of the Don, Kuban and Terek populations. Slaughtering and eating draft animals, transfer from the state places of work to the private campaigns and cooperatives, moving to shores and banks, and eating river and sea food became widespread methods of overcoming famine. Asocial survival strategies included cannibalism, abuse of powers, bribery, and more. In 1921–1922, the Russian Orthodox Church fought actively against the famine. In 1932–1933, the Church was weakened and could not provide significant assistance to the starving population. The article was written based on declassified documents from the state and departmental archives, including criminal investigations and analytical materials of the Obedinjonnoe gosudarstvennoe politicheskoe upravlenie [Joint State Political Directorate] (OGPU) recording the attitudes of minds. Also used are personal stories—namely, interviews with eyewitnesses of the famine of 1932–1933, recorded by the Kuban folklorists in the territory of the Krasnodar and Stavropol Krai.
16
Gorbunov, Ivan, Stanislav Mikhailovskiy, and Olga Byhalova. "Wild grapes of Kuban, their ecological and biological features of growth." BIO Web of Conferences 25 (2020): 02007. http://dx.doi.org/10.1051/bioconf/20202502007.
Full textAbstract:
The biodiversity of the Vitaceae Juss family is studied with more interest than before, but still not fully according to the current scientific literature. For example, indigenous varieties and wild forms of grapes are known in the Crimea, Dagestan, along the banks of the Don and in other regions, but there is practically no data about wild and autochthonic grapes in the Kuban. This work presents new data about wild grapes studied in the Krasnodar region in the forests of the “Red forest” reserve. The ecological and geographical conditions of their growth are studied in detail. The description of plant community where the studied plant forms grow is conducted. Isolated populations of wild grapes, presumably belonging to the species of Vitis vinifera ssp. silvestris Gmel. or its varieties - var. Tipica Negr. (typical wild forest grapes) were ampelographically studied. Samples were taken for further genetic analysis to identify the origin of these forms and identify promising donors of resistance to various environmental stressors for use in the breeding process.
17
Škiljaica, Ivan, Vladimir Škiljaica, and Mirjana Živković. "Methods for determining the speed of water flow in canals in order to protect the slopes and bottoms of canals from collapse." Tehnika 76, no. 5 (2021): 636–44. http://dx.doi.org/10.5937/tehnika2105636s.
Full textAbstract:
The paper analyzes the navigating conditions of the displacement type ships for the transport of our shipping companies on the channels of the Danube-Tisa-Danube hydro system in order to determine the navigation speed at which the speeds of water flow of opposite direction occur so that the channel banks and the bottom are protected from collapse. The methods applied in the work were created as a result of special research conducted on the Moscow and Volga-Don channels by two scientific institutions of the Russian Federation: the Main Research Institute of Water Transport (GIIVT) and the Scientific Research Institute of Water Transport (NIIVT). The results of this research have been published in literature in the Russian language. The aim of the authors was, based on these published methods, to examine and determine the impact of the movement of ships of our shipping companies on the shores and bottom of the canal as a new step in preparations for finding the optimal regime of navigation on navigable canals. Self-propelled (motor) ships for the transport of cargo of different types in channels of variable cross-sectional area and at different navigation speeds were subjected to calculations.
18
Taranets, Valentyn, Nataliia Shkvorchenko, and Ihor Peresada. "THE ORIGIN OF THE SWEDES (HISTORICAL-LINGUISTIC ANALYSIS OF THE ETHNOS)." Naukovy Visnyk of South Ukrainian National Pedagogical University named after K. D. Ushynsky: Linguistic Sciences 2019, no. 29 (November 2019): 231–47. http://dx.doi.org/10.24195/2616-5317-2019-29-17.
Full textAbstract:
The article is dedicated to the problem of the origin of the Swedes tribe against the background of Indo-European ethnogenesis in comparison with the Rus tribe, which were formed on the basis of territorial and pagan proximity to a relatively single ethnic group and a super-language (koine) on the Don. The study is based on the mythological material of the Ynglinga saga and the Book of Veles, lexicographic, toponymic features of the indicated tribes, in which the roots of the ethnic groups stand out. The latter is confirmed in Finnish names regarding the country of Sweden, which the Finns call Ruotsi, Ruossi, Ruohti, Ruotti, the Votes – Rôtsi, the Estonians – Rôťs, on the other hand, the name of the country Sweden has the ancient forms of Swes, Sues, Swēorice “Kingdom of the Swedes” and modern with the meaning “Sweden”: Icelandic Svíþjóð, Swedish Sverige. The origin of the Slavic and German ethnic groups occurred during the period of cohabitation of these peoples in the Indo-European proto-ethnics on the banks of the Don River, approximately in the second millennium BC. These origins include the origin of Indo-European root of kweruki, which the names of the ethnic groups are evolved from: * kweruχi (palatalization)> rusi> rusy “Rus” and * kwеruki ~ * ruti (substitution)> fin. ruotsi “swedes”. The Indo-European root of *kwa in the meaning of “Universe, God” is the origin of Germanic *sve- / swe-, which gave birth to the names of Suionen (Tacitus), Swēorice “Kingdom of the Swedes” and Swerikl, Swealand, Swithiod, as well as Latin Svedia, Svecia, Sveonia with the meaning “Sweden”. The above is proved by the presence of the common goddess Mother-SVA (Slavs) and Moder Svea (Swedes).
19
Hendrawati, Lia, and Said Djamaludin. "Pengaruh Likuiditas, Pertumbuhan Kredit, Efisiensi, dan Kecukupan Modal Terhadap Profitabilitas." Bulletin of Management and Business 1, no. 1 (March 2, 2020): 27–35. http://dx.doi.org/10.31328/bmb.v1i1.27.
Full textAbstract:
This study to examine and analyze the effect of liquidity, credit growth, efficiency, and capital adequacy on the Bank’s profitability listed on the IDX partially and simultaneously. The research data are annual data for the 5-year observation period (2009-2013). This research was conducted at 33 banks listed on Indonesia Stock Exchange. Banks Analyzed that met the population criteria were 23 banks. The analytical method used in multiple linier regression.
The results showed that liquidity, credit growth, efficiency, and capital adequacy together (simultaneously) significantly influence profitability. Partially, liquidity has a significant positive effect on profitability, while efficiency has a significant negative effect. Credit growth and capital adequacy have no significant effect on profitability. Liquidity is the variable that has the biggest effect on the Bank’s profitability.
20
Fitriah, Fitriah. "BENTUK DAN TANGGUNGJAWAB PIHAK BANK TERHADAP DANA SIMPANAN PARA NASABAH." Solusi 16, no. 3 (September 1, 2018): 301–20. http://dx.doi.org/10.36546/solusi.v16i3.139.
Full textAbstract:
A bank is a financial institution whose existence depends absolutely on the trust of its customers who entrust their savings funds. Banks are very concerned that the trust of the public, who have and who will save their funds, are well-maintained, considering that the bank is part of the financial system and payment system. Bank secrecy is very important because banks need the trust of the people who keep their money in the bank. The customer only entrusts his money to the bank or makes use of the bank's services if the bank provides a guarantee that the bank's knowledge of deposits and the state of their assets will not be misused. The legal relationship between the bank and the depository customer starts from the signing of a written agreement (contractual relationship) between the bank and the customer which contains the rights and obligations for each party. As for the form of agreement for depositing funds between the customer and the bank, it is called a deposit agreement (Article 1319 Civil Code). In a deposit agreement, the bank sets certain general requirements in a deposit account or savings account, among others, the recipient of the deposit (bank) can use the depositors' money and at a certain time the bank will provide interest. Other provisions that can be used as the basis of relations between banks and depositors are Proxy Giving. Depositors give their power to banks when signing deposit accounts or savings accounts or bank accounts. This agreement becomes a law or law for both parties (Article 1338 of the Civil Code). As a manifestation of the bank's responsibility for depositing customers, banks must pay attention to the 4 (four) pillars of the relationship between depositors and banks, namely: Prudence, Health, Bank Secrets and Trust
21
Akhmadi, Akhmadi. "Analisis Komperatif Kinerja Keuangan Bank Syariah dan Bank Konvensional Antara BRI dan BNI dengan Pendekatan Camel." Jurnal Ilmiah Universitas Batanghari Jambi 21, no. 2 (July 4, 2021): 761. http://dx.doi.org/10.33087/jiubj.v21i2.1538.
Full textAbstract:
Bank is an important financial institution so that its performance needs to be maintained in order to work properly and optimally. The purpose of this study is to analyze the comparison of the financial performance of Islamic banks and conventional banks in Indonesia. This research is a comparative quantitative research using a comparison design of two averages from two independent populations. The samples in this study were 2 Islamic banks (Bank Negara Indonesia Syariah and Bank Rakyat Indonesia Syariah) and 2 conventional banks (Bank Negara Indonesia and Bank Rakyat Indonesia). The bank's financial performance assessment method used in this study is CAMEL with financial ratios namely CAR, NPL, NIM, ROA, BOPO, and LDR. Data were analyzed using the mean difference test of two unpaired groups (independent sample t-test). The results of this study indicate that there are significant differences in the ratio of NPL, ROA, BOPO, LDR between Islamic banks and conventional banks. The results of the analysis show that the financial performance of Islamic banks is better based on the ratio of NPL, NIM, BOPO, LDR. While the financial performance of conventional banks is better based on the ratio of CAR, ROA.
22
Kristiawan, Rochmad, and Prasetiono Prasetiono. "PENGARUH SIZE, NPL, EQUITY TO ASSET RATIO, LDR, GWM, LABOR PRODUCTIVITY DAN MARKET CONCENTRATION TERHADAP KINERJA BANK (Studi pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2014-2018)." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (February 22, 2022): 61–70. http://dx.doi.org/10.14710/jsmo.v17i1.39203.
Full textAbstract:
The existence of different levels of bank’s performance in each Indonesian banks and the existence of banks with under level performance makes research on the factors that influence bank’s performance becomes more important to be examined. The aim of the research is to analyze the effect of size, size, Non-performing Loan (NPL), Equity to Asset Ratio (EAR), Loan to Deposit Ratio (LDR), reserve requirement (GWM), labor productivity and market concentration (which is proxied by market share of each bank) on the performance of listed conventional banks in Indonesia. The bank’s performance in this research is measured by Return on Asset (ROA).The research sample used are 25 listed conventional banks in Indonesia for the 2014-2018 period. The data selection method used in this research is purposive sampling method. The hypothesis testing of this study using multiple linear regression analysis with SPSS 26 program.The study found that size, Equity to Asset Ratio (EAR), labor productivity and market share have a significant positive effect on bank’s performance. Non-performing Loan (NPL) have a significant negative effect on bank’s performance. Loan to Deposit Ratio (LDR) and Reserve requirement (GWM) have a positive but not significant effect on bank’s performance
23
Mutmainah, Siti. "TATA KELOLA DAN RISIKO BANK SYARIAH DI INDONESIA PERIODE 2008-2016." JURNAL AKUNTANSI DAN AUDITING 14, no. 2 (August 5, 2018): 172. http://dx.doi.org/10.14710/jaa.14.2.172-194.
Full textAbstract:
This study investigates the effect of corporate governance on Islamic bank’s risk in Indonesia during 2008-2016. The bank’s governance consists of board of commissioner (including risk control committe and audit committee), management, and sharia supervisory board. Because of the existence of these boards is a mandatory, hence this research focus on the amount of members and meetings in each board and committee. Results show that the amount of meetings held by management and risk control committee negatively influence the financing risk. This research implies the Islamic banks to strenghten their governance to control their banks’ risk. This research also recommends Central Bank and National Sharia Board to be more effective in performing its supervisory function.
24
Mutmainah, Siti. "TATA KELOLA DAN RISIKO BANK SYARIAH DI INDONESIA PERIODE 2008-2016." JURNAL AKUNTANSI DAN AUDITING 14, no. 2 (August 5, 2018): 172. http://dx.doi.org/10.14710/jaa.v14i2.19776.
Full textAbstract:
This study investigates the effect of corporate governance on Islamic bank’s risk in Indonesia during 2008-2016. The bank’s governance consists of board of commissioner (including risk control committe and audit committee), management, and sharia supervisory board. Because of the existence of these boards is a mandatory, hence this research focus on the amount of members and meetings in each board and committee. Results show that the amount of meetings held by management and risk control committee negatively influence the financing risk. This research implies the Islamic banks to strenghten their governance to control their banks’ risk. This research also recommends Central Bank and National Sharia Board to be more effective in performing its supervisory function.
25
Sari, Kartika Tika. "Bank syariah: peran sosial dalam kerangka maqashid syariah dan profitabilitas di negara Qatar dan Indonesia." Journal of Business and Banking 9, no. 2 (January 24, 2020): 179. http://dx.doi.org/10.14414/jbb.v9i2.1834.
Full textAbstract:
This research aims to determine the role of social Islamic bank and the Islamic bank's business objectives are gaining profit. Islamic banks are tied to sharia principles and carry on social roles in the concept of Sharia Maqashid in conducting its business.The social role is to carry out social values such as education, justice and social welfare. The method used to determine the social role of Sharia banks is by measuring Maqashid Index Syariah Index (MSI) while the profitability is known using the comparative Performance index method on seven Islamic banks spread across The country of Qatar and Indonesia in 2010-2017.To know both social roles and profitability using Quadrant Analysis Measurememnt (QAM).The results showed that of the seven Islamic banks spread across the country of Qatar and Indonesia, Only three Islamic banks are good for the profitability of the Bank, there are Qatar International Islamic Bank, Qatar Islamic Bank and Bank Syariah and Mandiri. But the achievement of the social role of the three Islamic banks is not good so that in the the Upper Left Quadrant (ULQ). Meanwhile, four other sharia namely Barwa, Bank Muamalat Indonesia, Syariah National Bank and Bank Rakyat Indonesia Syariah do not well achieve the social role and profitability so that in the Lower Left Quadrant (LLQ).
26
Baihaqi, Jadzil. "Pengaruh Intellectual Capital dan Corporate Governance Terhadap Kinerja Bank di Indonesia." Journal of Islamic Finance and Accounting 2, no. 1 (May 31, 2019): 57. http://dx.doi.org/10.22515/jifa.v2i1.1606.
Full textAbstract:
This study examines the impact of intellectual capital and corporate governance mechanism on banks’ performance both directly and also moderated effect. We used banks that were listed in the Indonesia Stock Exchange. The bank’s performance was measured by risk-based bank rating while intellectual capital was measured by the coefficient of VAICTM (Pulic, 1998). The corporate governance mechanism was measured based on the size of boards of directors, the composition of independent director, CEO remuneration, managerial ownership, the effectiveness of audit committee and ownership concentration. The result of the study shows that banks’ performance was positively influenced by intellectual capital. However, corporate governance mechanism did not influence the banks’ performance, while the moderation effect of corporate governance mechanism on the relationship between intellectual capital and banks’ performance was not confirmed.
27
Mugi Karanja, James, and Harrison Njoroge. "Gamified Blood Donors System Based on Intelligent Agents." Open Journal for Information Technology 4, no. 2 (November 11, 2021): 41–54. http://dx.doi.org/10.32591/coas.ojit.0402.02041k.
Full textAbstract:
The population of the country of Kenya is drastically increasing thus causing the number of possible blood donors to rise. Despite this, the blood collected and stored in most blood banks is not enough to cater for the huge demand. The demand has been due to increase of number of accidents experienced in the country and the advancement in medical procedures which calls for organ transplant and blood transfusion. Even though systems have been developed which can connect the donors and recipients and location tracking, most people are dying because they don`t get this vital commodity in good time. The process of donating blood has not been enticing. There is nothing that prompts a person to donate blood. This call for developing a gamified blood donor management system based on intelligent agents so as to increase the number of donors and keep the system performance at optimal level. The project adopts Goal-Oriented Methodology in the system development process. Two agents are developed: donors’ agent and the blood admin agent. The intelligent agents help in profiles personalization thus improving the system performance. Gamification technique is implemented in the system so as to increase the traffic of blood donors interacting with the system and participating in the donation exercise. This increase the number of blood donors hence enough blood is collected to cater for the huge demand.
28
Hood, Ian A., Rebecca L. McDougal, Chanatda Somchit, Mark O. Kimberley, Aymee S. R. Lewis, and Joy O. L. Hood. "Fungi decaying the wood of fallen beech (Nothofagus) trees in the South Island of New Zealand." Canadian Journal of Forest Research 49, no. 1 (January 2019): 1–17. http://dx.doi.org/10.1139/cjfr-2018-0179.
Full textAbstract:
To extend present knowledge of communities of wood decay fungi in native forests, basidiomycetes and ascomycetes were isolated from within 15 fallen stems in beech (Nothofagus, Nothofagaceae) forests in the South Island of New Zealand. Fungal species were identified as precisely as possible using traditional culturing and molecular approaches. The internal distribution of species within stems was determined. Common fungi that occupied significant portions of stems were Ganoderma applanatum sensu Wakefield, Australoporus tasmanicus, Inonotus nothofagi, Pleurotus purpureo-olivaceus, and an unidentified hymenochaetaceous species. Richness and diversity of basidiomycete species were greater in stems of red beech (Nothofagus fusca (Hook. f.) Oerst.) and silver beech (Nothofagus menziesii (Hook. f.) Oerst.) than in those of matai (Prumnopitys taxifolia (Banks & Sol. ex D. Don) de Laub.; Podocarpaceae) and tawa (Beilschmiedia tawa (A. Cunn.) Kirk; Lauraceae), as determined from earlier studies in podocarp hardwood and beech indigenous forests. There was greater similarity in the species composition of basidiomycete fungi colonising the three beech species compared with those colonising rimu (Dacrydium cupressinum Sol. ex Lamb.; Podocarpaceae), tawa, and matai. Based on observations in this study and on international research on the effects of selective logging on basidiomycete biodiversity, the decision to restrict to 50% the extraction of wood following storm damage in beech forests on the West Coast of the South Island appears to have been appropriate.
29
Witjaksono, Armanto, and Anis Yunistriani. "Analisis Komparatif Kinerja Keuangan antara Bank Syariah dan Bank Konvensional Berdasarkan Metode Camel." Binus Business Review 2, no. 1 (May 30, 2011): 485. http://dx.doi.org/10.21512/bbr.v2i1.1155.
Full textAbstract:
The main objective of this paper is to give an overview of comparative financial performance of Islamic banks with conventional banks based on the CAMEL method. The main question would be answered to know there is difference in the performance of conventional banking and Islamic banking are analyzed by using the ratio CAMEL. To prove the hypothesis that there is no significant difference between the bank's financial performance Islamic and conventional banks (Ho) or there are significant differences between the financial performance of Islamic banks and conventional banks (Hi). Researchers used a parametric statistical technique, which consists of test data normality using the Kolmogorov Smirnov test and QQ plots, test of homogeneity using the F test (Levene's Test), and Independent Sample T-Test with significant value 5% confidence level (1 - α) = 95%. The results showed that the ratio of data CAMEL Islamic banks and conventional banks in normal distribution and homogeneous. Then it can be concluded that the variable CAR, NPL, and LDR between conventional banks and Islamic banks have significant differences, while the ROA and ROE of the two types of banking industry is not significantly different or relatively the same.
30
Riyadi, Wulan. "Pengaruh Kecukupan Modal Dan Likuiditas Terhadap Profitabilitas Pada Bank Umum Syariah." Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan 3, no. 2 (July 23, 2022): 679–88. http://dx.doi.org/10.31949/entrepreneur.v3i2.2960.
Full textAbstract:
One of how a bank's financial performance is healthy can be seen through the bank's financial statements. Information regarding the condition of the bank can be used by the bank itself or from outside the bank such as creditors, investors, and customers. The factors that can affect the profitability of Islamic banking are capital adequacy and liquidity. So that Islamic banking, is required to be able to increase profitability every year to attract internal and external parties. This study aims to determine the effect of capital adequacy and liquidity on the profitability of Islamic commercial banks.
This research uses descriptive analysis method and verification. The data collection technique used is secondary data. The population in this study are Islamic commercial banks registered in Statistik Perbankan Syariah (SPS). The sampling technique used was purposive sampling with a total sample of 11 Islamic banks with a total of 33 sample data. This research uses classical assumption test analysis, multiple linear regression analysis, coefficient of determination, model feasibility test and hypothesis testing.
Based on the results of the study indicate that capital adequacy has a significant effect on profitability and liquidity has no significant effect on profitability
31
Shumilov, V. N. "Stalingrad. "57 Immortals" - an unrecognized feat." Interexpo GEO-Siberia 5 (May 18, 2022): 79–88. http://dx.doi.org/10.33764/2618-981x-2022-5-79-88.
Full textAbstract:
The article is devoted to the feat of 57 fighters of the defenders of Stalingrad in the second half of October 1942. As part of eight Siberian divisions that took an active part in the defensive period of the Battle of Stalingrad, rifle division No. 112, formed in late 1941 - early 1942, distinguished itself. in the city of Tatarsk, Novosibirsk region. In July-August 1942, the 112th Rifle Division fought defensive battles in the Don area as part of the 64th and then the 62nd armies of the Stalingrad Front. During the formation of the 112th Rifle Division, Lieutenant Alexei Ochkin was appointed commander of the tank destroyer unit. For the battles in the bend of the Don, the lieutenant was awarded the Order of the Red Banner. By the end of August 1942, the 112th Rifle Division received reinforcements and on September 19-20, 1942, participated in the assault on Mamaev Kurgan, in which Aleksey Ochkin and his fighters bravely fought. On October 14, 1942, Hitler launched the third assault on Stalingrad by the troops of the Paulus army in order to throw the 62nd Army into the Volga and completely capture the territory of the city. The blow was struck on the northern flank of the 62nd Army, centered in the area of the Stalingrad Tractor Plant, which was defended by the 112th Rifle Division, the 95th Rifle Division, and the 37th Guards Rifle Division. After heavy fighting, the 37th Rifle Division was defeated, the 95th Rifle Division, drained of blood, retreated south to a neighboring factory, the remnants of the 112th Rifle Division were divided into separate resistance groups. Lieutenant Alexei Ochkin gathered the remaining fighters from different units, about 60 people in total, and took command of the group. For about a week they kept the defense on the banks of the Volga. When the replenishment approached, only 6 people remained from the detachment. The feat of this group went unnoticed. The author of the article is trying to understand why this happened and what was the fate of the remaining fighters from the "57 Immortals".
32
Muchtar, Susy, and Karima Rahmania. "Pengaruh Karakteristik Bank dan Karakteristik Pasar Terhadap Kemungkinan Terjadinya Merger dan Akuisisi Pada Perbankan di Indonesia." Jurnal Manajemen dan Pemasaran Jasa 2, no. 1 (March 6, 2009): 01. http://dx.doi.org/10.25105/jmpj.v2i1.528.
Full textAbstract:
<p class="Style1"><em>The purpose of this research is to examine the effect of bank's characteristics and </em><em>market characteristicstoward the probability of merger and acquisition in Indonesian </em><em>Banking. The type of data used in this research is secondary data which is collected </em><em>from Indonesia Stock Exchange and CD Room of Trisakti University. The Sample </em><em>examined in this research consist of 22 listed commercial banks, which 9 of it have </em><em>been acquired between 2003 and 2007 using purposive/judgmental sampling as its </em><em>sample selection technique. This research used Binary Logistic Regression as analysis </em><em>tool to test the hypothesis in this paper.</em></p><p class="Style1"><em>Findings of this research indicate that three of bank's characteristics, those are bank's </em><em>size, market share, and bank's growth have a significant effect toward the probability of merger and acquisition. Another bank's characteristics like profit, cost efficiency, </em><em>capital strength, Liquidity, number of branches do not seem to have effect toward </em><em>the probability of merger and acquisition. This research also finds that market </em><em>characteristics those are market concentration, market profitability, and market </em><em>growth have no effect toward the probability of merger and acquisition.</em></p><p class="Style1"><strong><em>Keywords : </em></strong><em>Acquisition, Banks, Bank's Characteristics, Market Characteristics, Mergers</em></p>
33
Sishadiyati and Chantya Anggi Kirana. "HUBUNGAN MAKROEKONOMI TERHADAP KINERJA KEUANGAN PADA BANK KONVENSIONAL DAN BANK SYARIAH DI JAWA TIMUR." Jurnal Dinamika Ekonomi Pembangunan 3, no. 2 (July 30, 2020): 322–27. http://dx.doi.org/10.33005/jdep.v3i2.111.
Full textAbstract:
Macroeconomic factors can be said to have a relationship with the financial performance of banks, both conventional banks and Islamic banks. The condition of the banking sector in East Java is very vulnerable to economic shocks that occur. So it requires a very independent and good liquidity management. The existing banking sector is still very dependent on the policies made by the central bank and the government. Then if there is a financial difficulty caused by unfavorable macroeconomic conditions, then the bank's financial performance may also be disrupted. Based on the analysis of data that has been explained that macroeconomic factors such as GRDP, inflation rate, unemployment rate, BI Rate and exchange rate, which have a very large relationship to the performance of conventional banks and Islamic banks in East Java is the BI rate. This shows that the banking sector in East Java must pay special attention to the dynamics of macroeconomic factors that occur. Whereas the financial performance between Islamic banks and conventional banks shows a difference. This is because the management of bank financial performance between Islamic banks and conventional banks has a different policy.
34
Alim, Muhammad Nurul. "Tinjauan Fikih Muamalah Atas Produk Jasa Berbasis Ujrah (Fee Based Services) Bank Konvensional (Sampel Produk Bank Mandiri dan BCA)." Asy-Syukriyyah 19, no. 2 (October 2, 2018): 144–68. http://dx.doi.org/10.36769/asy.v19i2.39.
Full textAbstract:
Review of Fikih Muamalah on Products of Conventional Bank’s Fee-Based Services (Sample of Bank Mandiri and BCA Products). Although Islamic banks offer products of services which have the same kind and purpose as those are offered by conventional banks, most Moslems in Indonesia have not loyally make use all Islamic bank products for their financial transactions. Should the exercise of conventional bank’s services’ products be unavoidable, Moslems must be able to select and decide either the services are legal or illegal. This paper will study the fikih muamalah point of view on the conventional bank services that the customers will not fall in the usury transactions.
35
Sun, Yen, and Laurentia Dermawan. "Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga." Binus Business Review 2, no. 2 (November 30, 2011): 648. http://dx.doi.org/10.21512/bbr.v2i1.1176.
Full textAbstract:
Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity). The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.
36
Nabilah, Hashifah, and Wisnu Mawardi. "PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (Studi Pada Bank Swasta Nasional dan Bank Persero yang Terdaftar di Bursa Efek Indonesia Periode 2010-2014)." JURNAL STUDI MANAJEMEN ORGANISASI 13, no. 2 (December 31, 2016): 131. http://dx.doi.org/10.14710/jsmo.v13i2.13404.
Full textAbstract:
Base lending rate is the implementation process of the management of bank funding. Inbanking industry which more competitive, banks are required to offer a low base lendingrate. On the other hand, the banks had no motivation to maximize revenue. This study isaimed to analyze the effect of reserve requirements, deposit interest rates, third partyfunds and cost of loanable funds to the base lending rate.The samples used in this study are 14 private national banks and state-owned banks listedon the Indonesia Stock Exchange in 2010-2014. The method of this research is usingmultiple regression model with IBM SPSS Statistics 22 program to analyze the effect ofindependent variables to the dependent variable.The result shows that the deposit interest rate and the cost of the loanable funds havepositive and significant effect to the base lending rate. However, reserve requirementsand third party funds does not affect to base lending rate. These results proved that highinterest rates on time deposits are the bank's strategy to increase market share of timedeposits which is bank's largest sources of funding and the component that has thebiggest influence on BLR is COLF amounted to 33.79% of the components that formBLR.
37
Lesmana, Iwan. "RISIKO OPERASIONAL BANK DAN PERMODELANNYA." INDONESIAN JOURNAL OF ACCOUNTING AND GOVERNANCE 1, no. 1 (December 10, 2019): 28–43. http://dx.doi.org/10.36766/ijag.v1i1.2.
Full textAbstract:
Managing bank’s operational risks becoming an important feature of sound risk management practice in modern financial markets. The most important types of operational risk involve breakdown in internal controls and corporate governance, which could lead to financial losses through fraud, error or failure to perform. Development of statistic has accelarated banks to create internal operational risk models in different ways. Although those models created in different ways, they surely use the pattern of risk management that is developed by Basel Committee on Banking Supervision. Basel Committee on Banking Supervision has proposed three increasingly sophisticated approaches of operational risk, i.e basic indicator approach, standardized approach and advanced measurement approach. Applying those approaches will help banks to eliminate the operational risk, that will lead them to a better intermediation process.
38
Syachrani, Annisa, and Sugiharti Binastuti. "ANALISIS PERBANDINGAN TINGKAT KESEHATAN BANK BUMN DAN BANK SWASTA DI INDONESIA BERDASARKAN METODE RGEC PERIODE 2015-2019." Jurnal Ilmiah Raflesia Akuntansi 7, no. 1 (April 30, 2021): 58–65. http://dx.doi.org/10.53494/jira.v7i1.84.
Full textAbstract:
Abstrack-As an intermediary institution and support for the nation's economic activity, banks must pay attention to their health level. Information regarding the soundness of a bank is very much needed by various parties involved, both parties from within the bank itself and parties from outside the bank to evaluate the bank's performance in applying prudential principles, compliance with applicable regulations and risk management. This study aims to determine the comparison between state-owned and private banks, the performance of banks in Indonesia on NPL, LDR, GCG, ROA, ROE, and CAR. The population in this study were state-owned and private banks in Indonesia. The sampling technique was carried out at four state-owned banks and four private banks in Indonesia and quantitative data in the form of financial statements. The analysis technique used Normality Test, Paired t-test and Wilcoxon Signed Rank Test.The results of this study are that according to the Paired t-test NPL, ROA, ROE, and CAR there is no difference in the soundness of state-owned banks and private banks, but LDR experiences differences in the soundness of state-owned banks and private banks. According to the Wilcoxon Signed Rank Test, there is no difference in the soundness of state-owned banks and private banks.
39
Muhammad, Izzadin Nur, and Noven Suprayogi. "PENGARUH FAKTOR INTERNAL DAN EKSTERNAL BANK SYARIAH TERHADAP KEPUTUSAN INVESTASI SURAT BERHARGA BANK SYARIAH." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 4 (January 16, 2020): 672. http://dx.doi.org/10.20473/vol6iss20194pp672-686.
Full textAbstract:
Investments of securities performed by Islamic banks in addition to a liquidity instrument in the bank that is as an investment instrument for banks to obtain operating income other than the channeling of funds through financing to customers. The Bank's securities investment is influenced by external and internal factors within the bank. External factors are factors that occur outside the bank, external factors can not be controlled by the management of sharia banks. Internal factors are factors that occur due to decisions and phenomena within the internal bank, internal factors can be controlled by banks through managerial processes. External factors faced by banks such as economic and monetary conditions such as inflation and interest rates, money market conditions (exchange rate), customer character, regulations and others. Internal factors rely heavily on bank management in managing every liquid instrument within the sharia bank itself, such as asset and liability management.Keywords: Sharia Bank, Investment, SBSN, Liquid Instruments
40
Fadlillah, Ziadatul, and Jadzil Baihaqi. "ANALISIS FAKTOR PERMODALAN, KUALITAS ASET, LIKUIDITAS, EFISIENSI OPERASIONAL DAN PROFITABILITAS PADA BANK SYARIAH DI INDONESIA." FINANSIA : Jurnal Akuntansi dan Perbankan Syariah 4, no. 2 (December 31, 2021): 115. http://dx.doi.org/10.32332/finansia.v4i2.2970.
Full textAbstract:
This study examines the effect of capital, asset quality, liquidity, and operational efficiency on profitability using a dataset of 7 Islamic commercial banks in Indonesia over the 2014-2018 period. This research uses a quantitative approach. The analysis technique uses Panel Least Square processed by Eviews 8. We find that the Islamic bank’s profitability is affected by operational efficiency. Nevertheless, the capital factor, asset quality, and liquidity have no impact on the Islamic bank’s profitability. In addition, the evidence shows that the bank’s fund has not been maximized to financing.
41
Hidayat, Rachmad, and Sabarudin Akhmad. "Model Terpadu Kepuasan Pelanggan dan Loyalitas: Sebuah Analisis Bisnis Layanan Perbankan." MIMBAR, Jurnal Sosial dan Pembangunan 32, no. 1 (June 25, 2016): 139. http://dx.doi.org/10.29313/mimbar.v32i1.1710.
Full textAbstract:
The purpose of this study is to determine the relationships of service quality, bank’s image, customer value and product quality with customer satisfaction and customer loyalty. Sample is the state-owned banks’ customers in four major cities in Indonesia. Data is analyzed by using the Structural Equation Modeling (SEM) method. Results lead to an integrated model of customers’ satisfaction and loyalty. In conclusion, customer value and quality of bank products do not significantly and directly affect customer loyalty, but do significantly affect customer loyalty mediated by customer satisfaction. Service quality and bank’s image directly and indirectly affects customers’ satisfaction and loyalty. Service quality and bank’s image have the strongest and most dominant effects on customer loyalty.
42
Dewi, Eneng Trisnawati, and Wimpi Srihandoko. "Pengaruh Risiko Kredit dan Risiko Likuiditas Terhadap Profitabilitas Bank." Jurnal Ilmiah Manajemen Kesatuan 6, no. 3 (December 28, 2018): 131–38. http://dx.doi.org/10.37641/jimkes.v6i3.294.
Full textAbstract:
Banks in it’s operations are certainly unfree from various risks. The Bank's business risk is uncertainty about a predictable or unpredictable outcome. Non-Performing Loans (NPL) Are financial ratios related to credit risk. Loan to Deposit Ratio (LDR) is a financial ratio related to liquidity risk. This study aims to examine the relationship between credit risk and liquidity risk to profitability at 3 government banks. The data in this study are secondary data. The results of this study indicate that partially credit risk has a significant effect on profitability, and liquidity risk has no significant effect on profitability. Credit risk and liquidity risk simultaneously have an influence on profitability.
Keywords: non performing loan, liquidity risk, profitability
43
Kolontári, Attila. "“Yo, heave-ho…” Budapest Tournees of Feodor Сhaliapin." Central-European Studies 2021, no. 4(13) (2021): 273–300. http://dx.doi.org/10.31168/2619-0877.2021.4.11.
Full textAbstract:
This article examines Feodor Chaliapin’s guest performances in Budapest. The famous singer visited Hungary altogether eight times over ten years, playing the roles of Mephisto (Faust), Basilio (The Barber of Seville), and Don Quixote in the opera, as well as giving individual concerts. His performances were considered the most outstanding events during the opera and theatre season, taking place before full houses, the boxes being filled with representatives of the Hungarian elite, political actors, businessmen, writers, and actors. The Hungarian press followed Сhaliapin everywhere, correspondents tried to inform readers about each and every moment of his stay in Hungary, and he obliged journalists — that problematic group — with great patience and professionalism by never declining an interview. Prestigious critics and musicologists (including Aladár Tóth, Emil Haraszti, and Dezső Szomory) wrote laudatory commentaries on Сhaliapin’s performances on the pages of Hungarian journals and newspapers. They all praised his talent, creative power, amazing bass, and charm as well as his ability to win the hearts of the audience from the very first moment. Hungarian people regarded Сhaliapin not only as the king of the opera, but also as the embodiment of Russia and Russian culture. Сhaliapin used his tournees to Budapest to get acquainted with the Hungarian capital; he visited the most famous sights of the city (he especially loved walking on the banks of the Danube) and he enjoyed spending his time eating out in restaurants and bars while listening to Hungarian gypsy music. Journal articles enable us to reconstruct this somewhat forgotten episode in Russian-Hungarian cultural relations.
44
H, Allifiyani, and Rinda Siaga Pangestuti. "Apakah Peningkatan Risiko Likuiditas, Risiko Kredit, dan Risiko Suku Bunga Berdampak Terhadap Profitabilitas Bank?" Ekonomis: Journal of Economics and Business 5, no. 1 (March 8, 2021): 197. http://dx.doi.org/10.33087/ekonomis.v5i1.316.
Full textAbstract:
Banking performance has decreased on average in terms of credit quality, liquidity, ability to generate net interest income, and profitability in the last two years. This indicates an increase in credit risk, liquidity risk, interest rate risk, and bank profitability risk. This study contributes in providing an explanation regarding banking performance which can lead to a decline in profitability that can influence investment decision making by investors in terms of the performance of the issuer. This research is included in the category of quantitative research with a sample of commercial banks in Indonesia selected based on purposive sampling method. The results of this study indicate that the lower the credit risk the higher the bank's profitability, the higher the interest rate risk the higher the bank's profitability, and the liquidity risk which has a significant positive effect on the performance of banks listed on the Indonesia Stock Exchange in the 2016-2018 period.
45
Golub, V. B., D. N. Karpov, A. N. Sorokin, and L. F. Nikolaychuk. "Communities of the class Festuco-Puccinellietea Soó ex Vicherek 1973 on the territory of Eurasia." Vegetation of Russia, no. 7 (2005): 59–75. http://dx.doi.org/10.31111/vegrus/2005.07.59.
Full textAbstract:
A survey and revision of the highest syntaxa of the class Festuco-Puccinellietea with the exception of plant communities attributed to the class Scorzonero—Juncetea gerardii are submitted. Communities of the Festuco-Puccinellietea are inland intrazonal stands of Eurasia on solonetz soils, most common in flat lowlands as well on the rivers and lakes terraces that are briefly flooded in spring-time, and dry for the most part of the growing season. The diagnostic species combination of the class is heterogeneous. It includes Artemisia dwarf semi-shrubs of the Seriphidium section that are widely spread in the Iran-Turan subregion of the Sahara-Gobi area. These are also Limonium species that are mostly diverse in the Mediterranean region where from these taxa could move into inland areas with solonetz soils. The Festuca taxa of the section Festuca together with Poa bulbosa have probably moved on solonetz soils from adjoining steppes. The halophytic Puccinellia taxa of Xeratropis and Puccinellia sections could penetrate into Festuco-Puccinellietea communities from the banks saline pools. The floristic composition of the class in question gives the bright example of the net-shaped evolution of plant communities according to Whittaker (1980). The distribution area of Festuco-Puccinellietea communities lies within the Black Sea-Kazakhstan subregion of the Eurasian Steppe region according to the subdivision of the Ancient Mediterranean by Lavrenko (1962, 1970а). There are no communities that could be placed in Festuco-Puccinellietea in Central Asia, at least the authors were not lucky to find any signs of these in references. The closest to this class are the communities of Achnatheretea splendentis, however their floristic composition and ecology are significantly different. Within the whole area of their distribution the Festuco-Puccinellietea communities are neighboring with those of Scorzonero—Juncetea gerardii occupying shallow depressions, while in the steppe zone they occur close to zonal phytocenoses on placor belonging to Festuco-Brometea. There is no idea what kinds of semidesert zonal vegetation are contiguous with Festuco-Puccinellietea communities because it is still been poorly studied from the point of view of the Braun-Blanquet approach. Syntaxa that belong to Festuco-Puccinellietea are so far poorly studied on the vast area of Ukraine, as well as Krasnodar and Stavropol regions, the Don River basin, the territory between the Don and Volga rivers of Russia, and Northern Kazakhstan.
46
Karimah, Anifatul, SS Dwiningwarni, H. Masyhadi, and Ali Muhajir. "ANALISIS PERBANDINGAN KINERJA KEUANGAN DENGAN METODE CAR ANTARA PT. BRI (Persero) Tbk DAN PT. BNI (Persero) Tbk YANG TERDAFTAR DI BEI." eBA Journal: Journal Economics, Bussines and Accounting 4, no. 2 (August 31, 2018): 76–83. http://dx.doi.org/10.32492/eba.v4i2.616.
Full textAbstract:
Banks are financial institutions that play an important role in the economy of a country. Therefore, the existence of a healthy bank is very necessary. This study aims to compare the financial performance of Indonesian people's banks (BRI) and Indonesian state banks (BNI) based on financial ratio analysis listed on the Indonesia Stock Exchange for the period 2012-2016. The study uses the CAR (Capital Adequacy Ratio) method in which the ratio shows how far all bank assets that contain risks (credit, participation, securities, bills at other banks) are also financed from the bank's own capital funds in addition to obtaining funds from sources sources outside the bank, such as community funds, loans (debts), etc. ... The results of this study indicate that the CAR ratio in BRI is better than that of BNI banks. This proves that the CAR ratio and financial performance at BRI banks are better than BNI banks. Because it can manage capital as well as possible and accommodate the risk of loss. The results also show that BRI is better known to the lower middle class.
47
Zakaria, Heikal Muhammad, Gusganda Suria Manda, and Arif Rakhman. "ANALISIS PENGGUNAAN PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS DI BANK UMUM SYARIAH PERIODE 2015-2018." Eqien: Jurnal Ekonomi dan Bisnis 7, no. 2 (September 1, 2020): 71–76. http://dx.doi.org/10.34308/eqien.v7i2.146.
Full textAbstract:
This study is aiming to determine the effect of mudharabah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period, the effect of musyarakah financing on the profitability (ROA) on Sharia Commercial Banks (BUS) for the 2015-2018 period, and the effect of mudharabah and musyarakah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period. This research is a type of associative research with a quantitative approach. This study uses secondary data with the period of 2015-2018 observation. The data used is sourced from the Sharia Banking (SPS) and the Sharia Bank's annual financial statements from 2015 to 2018. The analysis used is multiple linear regression analysis. Data is processed using SPSS version 16. The results of the study show that mudharabah financing has a significant positive effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Musyarakah financing has a significant negative effect on profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Mudharabah financing and musyarakah financing have a positive significant effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period.
48
Pamungkas, Restu Putri, and Istutik Istutik. "PENGARUH EFEKTIVITAS PENGENDALIAN INTERN, ASIMETRI INFORMASI DAN KESESUAIAN KOMPENSASI TERHADAP KECENDERUNGAN KECURANGAN AKUNTANSI (Studi Empiris Kantor Pusat Bank Perkreditan Rakyat Di Kota dan Kabupaten Malang)." Adbis: Jurnal Administrasi dan Bisnis 13, no. 1 (October 14, 2019): 11. http://dx.doi.org/10.33795/j-adbis.v13i1.60.
Full textAbstract:
The research aims to examine the effect of the effectiveness of internal control on trends in accounting fraud, examine the effect of information asymmetry on trends in accounting fraud, examine the effect of compensation appropriateness on accounting fraud trends.
Qualitative research was carried out through in-depth surveys and interviews with the management of Islamic banks in Malang, customers, and academics about the need for an internal control system that is in accordance with the characteristics of Islamic banks. The development of an internal control system using the COSO (Committee of Sponsoring Organizations of The Treadway Commissions) framework was adopted and adapted to the characteristics of Islamic banks.
The results of the study offer a model of an Islamic bank's internal control system through five components of the COSO, namely (1) the control environment, (2) risk assessment, (3) control activities, (4) information and communication, and (5) monitoring that will benefit banks sharia to achieve strategic and operational goals, accuracy of financial reporting, and compliance with applicable policies and laws. Thus it will be able to help eliminate risks so that the performance of profit-sharing based financing can also be improved
49
Firdayati, Elda, and Clarashinta Canggih. "Pengaruh Pembiayaan Murabahah, Mudharabah, Dan Musyarakah Terhadap Profitabilitas Bank Umum Syariah." Jurnal Ekonomika dan Bisnis Islam 3, no. 3 (December 30, 2020): 67–79. http://dx.doi.org/10.26740/jekobi.v3n3.p67-79.
Full textAbstract:
In increasing the assets of Islamic banks, they certainly need funding. Return on Assets (ROA) is a ratio that has the function of increasing banking assets. This study aims to determine the effect of murabaha, mudaraba and musharaka financing on profitability projected on ROA using objects, namely 9 Islamic banks in Otoritas Jasa Keuangan (OJK) which have reached the research criteria. Data from this study are in the form of financial statements from the bank's website for the 2014-2018 period. The partial results of the study are murabahah, mudharabah, and musyarakah financing have no influence on ROA, while simultaneous murabahah, mudharabah and musyarakah financing do not have an influence on ROA.
50
Manda, Gusganda Suria, and Rina Maria Hendriyani. "ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE PROFIL RISIKO, TATA KELOLA PERUSAHAAN YANG BAIK, PENDAPATAN & MODAL (Studi Komparasi Antara Bank Umum Konvensional dan Bank Umum Syariah Di Indonesia Lemabaga yang Terdaftar Pada Otoritas Layanan Keuangan." Eqien: Jurnal Ekonomi dan Bisnis 7, no. 1 (February 29, 2020): 68–77. http://dx.doi.org/10.34308/eqien.v7i1.123.
Full textAbstract:
This analysis aims to find out, analyze and explain how the bank's soundness level compares with the Risk Profile, Good Corporate Governance, Earning and Capital methods in accordance with applicable regulations.
This research was conducted using a comparative descriptive method with a quantitative approach.
The results of the analysis of this study the authors get that Conventional Commercial Banks have a Risk Profile (NPL ratio) with a rating of "Good" better than a Sharia Commercial Bank with a rating of "Fairly Good". Conventional Commercial Banks have a Risk Profile (LDR) higher than Islamic Commercial Banks with a rating of "Fairly Good". Conventional Commercial Banks have Good Corporate Governance (GCG) better than Sharia Commercial Banks with a "Good" rating. Conventional Commercial Banks have better Earning (ROA) with a "Very Good" rating than a Sharia Commercial Bank with a "Very Poor" rating. Sharia Commercial Banks have a Capital (CAR) higher than Conventional Commercial Banks with a rating of "Very Good