Journal articles: 'Finance Services'

1

Park, Hyun, and Apostolis Philippopoulos. "DYNAMICS OF TAXES, PUBLIC SERVICES, AND ENDOGENOUS GROWTH." Macroeconomic Dynamics 6, no. 2 (April 2002): 187–201. http://dx.doi.org/10.1017/s1365100502031012.

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We present a model of endogenous growth in which government consumption and production services are financed by distorting capital taxes. We generalize Barro's public finance model of growth in two ways. First, we study the properties, and the role in growth, of a wider menu of second-best optimal policies, namely, the capital tax rate and the portion of total tax revenues used to finance public production services versus public consumption services. Second, we investigate the possibility of the existence and uniqueness of a long-run equilibrium in which optimal policies do not change and the economy grows at a constant balanced growth path, as well as the possibility of dynamic determinacy of this long-run equilibrium.

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Yablonsky, Sergey A. "E-finance innovation services in Russia." International Journal of Business Innovation and Research 8, no. 5 (2014): 523. http://dx.doi.org/10.1504/ijbir.2014.064612.

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Tian, John Q. "Reorganizing Rural Public Finance: Reforms and Consequences." Journal of Current Chinese Affairs 38, no. 4 (December 2009): 145–71. http://dx.doi.org/10.1177/186810260903800407.

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This article examines recent reforms to restructure rural public finance in China and their impact on local-government finance. The focus is on how fiscal income and financial expenditure are managed by local-level governments, particularly at the county and township levels, and how rural public and social services are financed. The article also looks at the development of intergovernmental transfers, ongoing administrative reform, more recent initiatives to extend public finance to cover rural residents as part of the comprehensive rural reform, and a new campaign to build a new socialist rural China.

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Et al., Dr Sameer Koranne. "PERSPECTIVES OF SERVICE FAILURES IN FINANCIAL SERVICES." Psychology and Education Journal 58, no. 1 (January 20, 2021): 5756–63. http://dx.doi.org/10.17762/pae.v58i1.2211.

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Banking & Finance is a significant contributor to the service sector and it also has its own service loss phenomena. The research carried out on the backgrounds and outcomes that affect the actions of workers specifically suggests a widespread pattern of service delivery failures. In the sense of service provision and shortcomings, work-related behaviors and cumulative operational factors are discussed. The study also explains the role of frontline service personnel and emphasizes the crucial value of service delivery preparation. The study carried out to determine the most significant variables of service failure by along with managerial implications for recovery.

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Nizamov, Ramil', Guzaliya Klychova, and Albert Iskhakov. "ISLAMIC FINANCE." Vestnik of Kazan State Agrarian University 14, no. 4 (April 12, 2020): 122–27. http://dx.doi.org/10.12737/2073-0462-2020-14-4-122-127.

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Currently, an alternative to traditional finance is actively forming in the world - the Islamic financial system with its inherent financial products. In the Russian Federation, the topic of Islamic finance is being developed by the scientific and business environment at the regional level, precisely, with the involvement of working groups of international experts. In the course of the study, a analysis was made of the main provisions and characteristics of Islamic finance. Islamic finance includes financial products such as Musharaka, Mudaraba, Murabaha, Ijara, Salaam, Istisna ’and others. According to Musharak, participants in the transaction combine assets and share risks among themselves. Mudaraba, a trust management agreement, allows you to combine the entrepreneurial talent of the manager and the funds of the owner of capital. Murabaha, a resale agreement, provides an opportunity to purchase goods by installments to customers. Ijara serves as a replacement for operating leasing and is used more broadly as a lease. Salaam, an advance financing contract, is mainly used for transactions with standard property. Istisna’ contract, where the contractor, in addition to its services, uses its own material and raw materials, an investment tool for long-term projects. In order to unify the terms of Islamic financial contracts, international standards have been developed by the Organization of Accounting and Auditing of Islamic Financial Institutions (AAOIFI, Bahrain headquarters). Fiqh property relations, a section of Sharia science, is a methodological and theoretical basis for Islamic finance. The features of Islamic finance include asset-based, restrictions on funded activities and the principle of sharing risks between capital and the entrepreneur. The movement of cash flows according to Islamic economic doctrine must necessarily be supported by the movement of real goods and services. Islam prohibits financing activities harmful to society. The right to profit in Islam arises from the acceptance of risk. It was found that the constraining factors for the development of Russian Islamic financial institutions remain due to its regulation in national legislation. It is noted that Islamic finance has developed in Russia due to the presence of demand at the local and regional levels from business and the population who are actively practicing Islam. Monitoring of the Russian Islamic financial services market has shown that about ten companies offering Islamic financial services currently operate in Russia.

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Rasheed, Rabia, Sulaman Hafeez Siddiqui, Iqbal Mahmood, and Sajjad Nawaz Khan. "Financial Inclusion for SMEs: Role of Digital Micro-financial Services." Review of Economics and Development Studies 5, no. 3 (July 30, 2019): 429–39. http://dx.doi.org/10.26710/reads.v5i3.686.

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SMEs paly major role in poverty reduction and employment generation, therefore experts considered this sector as engine of economic growth. However, access to finance in developing countries is one of major issue in development of SME sector as well as hurdle in economic growth. Financial institutions banking and non-banking shows reluctant behaviour in providing financing to SMEs and the issue is more severe in emerging economies. Bank financing has been found as main source of funds for SMEs in Pakistan, however, to obtain these funds not easy for small and medium firms. Recently digital micro financial services have been introduced by a number of micro finance banks. Current study examines the role of digital micro financial services in enhancing SMEs’ access to finance and thereby enabling a more inclusive financial market for SMEs especially in context of emerging and developing economies. By digging out the existing literature and secondary data, the study discusses that digital financial services have greatly helped owner managers of SMEs in smooth management of their transactions and finances. The study concludes that to strengthen SME sector for economic growth, it is important to further reduce the cost of using digital financial services and increase the financial product portfolio on digital platforms.

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Siddiqui, Sulaman Hafeez, and Muhammad Shahbaz Khan. "SMEs Intention towards Use and Adoption of Digital Financial Services." Sustainable Business and Society in Emerging Economies 1, no. 2 (December 25, 2019): 65–80. http://dx.doi.org/10.26710/sbsee.v1i1.1007.

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The purpose of this study is to analyses the SMEs owners and managers intention towards use and adoption of digital financial services in South Punjab, Pakistsan. SMEs are considered key contributors to economic activity, as a key-source of employment, growth, and invention. SMEs perform significant role in the system of national financial regulation all over the world, Jobs creation, and contributing to modernization in the financial regulation are significant exertions to achieve ecological sustainability and more growth in access to finance. Access to finance in emerging countries is one of core issue in development of SME sector as well as obstacle in economic growth. Microfinance institutions are considered a good manifesto to enhance access to inclusive finance as well as stress-free access to finance and financial literacy for SMEs to support economic growth but in Pakistan, to obtain these finances not easy for SMEs sectors. SMEs are unfortunately still struggling due to lack of inclusive finance and financial literacy. Recently financial institution introduced digital financial services at micro level that provide access to financial services to each and every citizen in the country without any restriction. To accomplish the purpose of the research, the data was acquired from the SMEs owners and mangers with a sample of 232 chosen randomly of South Punjab, Pakistan. In this research study, merged two best theories; the theory of planned behavior and technology acceptance model was used to describe their behavior. Multiple statistical tests run to check the normality by using Shapiro-Wilk test, reliability and multicollinearity of the data to test the assumptions of regression and correlation. Finally, the results of this intended study revealed that there is a moderate significant but positive relationship between the SMEs owners and managers intention towards use and adoption of digital financial services. The Government of Pakistan should create finance related awareness program, training, technical institution and make a rules and regulation. Further this study suggests to researchers that focus on internal and as well as external factors of SMEs in Pakistan.

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Prasad, D. Ravindra, and V. Srinivas Chary. "The Fourteenth Finance Commission and Urban Services." Indian Journal of Public Administration 60, no. 2 (April 2014): 235–54. http://dx.doi.org/10.1177/0019556120140203.

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9

Rollet, Christian. "Problems of Health Services Finance in France." Social Policy & Administration 25, no. 3 (September 1991): 193–201. http://dx.doi.org/10.1111/j.1467-9515.1991.tb00515.x.

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10

Shoup, Donald, Quan Yuan, and Xin Jiang. "Charging for Parking to Finance Public Services." Journal of Planning Education and Research 37, no. 2 (June 3, 2016): 136–49. http://dx.doi.org/10.1177/0739456x16649416.

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Many cities have two serious problems: overcrowded on-street parking and undersupplied public services. This article examines a policy to address both problems: charge market prices to manage on-street parking and use the revenue to finance local public services. Our case study of a pilot program for alley improvements in Beijing finds that the estimated payback period for the investments in sanitation, security, landscaping, and parking is less than three years. Only 35 percent of households in the pilot program own a car and the average income of car-owning households is almost three times the income of carless households.

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11

El Khatib, Ahmed Sameer, and Nahor Plácido Lisboa. "RELIGION AND FINANCE." REUNIR Revista de Administração Contabilidade e Sustentabilidade 9, no. 1 (July 16, 2019): 73–84. http://dx.doi.org/10.18696/reunir.v9i1.900.

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Despite the increasing attention to ethical investments, the empirical studies on Islamic indices are scarce. The principles of Islamic indices are similar to those of other ethical indices in terms of the screening process; both of them are also characterized by their short histories. So, after Islamic indices were introduced in the late nineties, many financial markets and index providers launched their own Islamic indices for investors looking for investment opportunities without compromising their beliefs. Analysing the financial performance of Islamic equity indices from all relevant providers, we document these indices to outperform their conventional benchmarks on a global and developed market level after controlling for investment styles and a potential back-testing bias. To explain this outperformance puzzle, we investigate fundamental (i.e., risk factors), behavioural (i.e., Ramadan) and research design (i.e., sample length) related explanations but the overall results persist. When eliminating the effect of the financial services industry from conventional benchmarks, however, the outperformance of all indices except the Dow Jones Islamic Market (DJIM) world index disappears. This implies that Islamic equity indices have outperformed due to their critical position towards risk-free interest and the financial services industry. We conclude that they represent a viable alternative for risk-averse passive investors, especially during periods of high uncertainty around financial services. Further research is needed to fully understand the abnormally good performance of the DJIM.

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12

Garnov, A. P., E. V. Zakharova, and E. V. Afanasyev. "Marketplace as Tool of Rising Accessibility of Finance Services." Vestnik of the Plekhanov Russian University of Economics, no. 2 (April 13, 2022): 13–20. http://dx.doi.org/10.21686/2413-2829-2022-2-13-20.

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Digital technologies have drastically changed finance service market. A new step in Russian finance market development is connected with the project ‘Marketplace’. The article studies stages of this project development, identifies factors promoting its speedy development, among which the increase in demand for finance services, inflow of individuals’ funds to finance market and others. The authors describe advantages, drawbacks and risks that finance marketplaces represent for finance organizations and finance service consumers. On the basis of information of search requests a conclusion can be drawn that popularity of the tool is growing rather fast. Barriers impeding the development of finance marketplaces are shown. According to the forecast, in the coming years we can expect exponential growth in the number of finance marketplace participants in case of the stable political and economic situation. A set of measures aimed at supporting the development of platforms for individual entrepreneurs and legal entities should be devised.

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13

Hendrikse, Reijer, David Bassens, and Michiel Van Meeteren. "The Appleization of finance: Charting incumbent finance’s embrace of FinTech." Finance and Society 4, no. 2 (November 30, 2018): 159–80. http://dx.doi.org/10.2218/finsoc.v4i2.2870.

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The rise of financial technology (FinTech) engenders novel business models through integrating financial services and information and communication technologies (ICT). Digital currencies and payments, data mining, and other FinTech applications threaten to radically overhaul the financial sector. This article argues that, while we are becoming aware of how technology giants such as Apple Inc. are making inroads into financial services, we need to become more sensitive to how financial incumbents mimick ICT firms while aiming to neutralize the FinTech challenge. Practices from Silicon Valley are spilling over into ‘traditional’ finance through a process we dub Appleization. We illustrate how incumbents aim to remain indispensable amidst rapid digitization. Mimicking tech strategies, financial incumbents resort to transforming legacy ICT systems into integrated platforms, cultivating entrepreneurial ecosystems where startups are ‘free’ to compete whilst effectively being locked into the incumbent's orbit. We illustrate this by comparing Apple’s business features (locking-in developers, customers and state into a hybrid business model based on a synergy between hardware, software and data-driven platform components) with emerging practices in the financial industry. Our analogy suggests that the Appleization of finance might radically transform, yet not undercut the oligopolistic position of financial incumbents.

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14

Ofiarska, Małgorzata. "The Scope of Public Services Performed by Municipal Local Governments in the Republic of Poland Through Budgetary Establishments." Public Governance, Administration and Finances Law Review 3, no. 2 (December 31, 2018): 46–57. http://dx.doi.org/10.53116/pgaflr.2018.2.4.

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The Act of 27 August 2009 on public finance – which entered into force on 1 January 2010 – and its later amendments have brought about significant changes in the scope of public services performed by the commune’s self-governments through budgetary establishments. The key change has been the limitation of these services, which triggered the necessity to implement new organizational methods and new financing solutions for public services hitherto carried out by budgetary establishments. Local government authorities were forced to choose between three organizational forms and three different ways of financing of the said services. At present, public services in a commune can be carried out through: a budgetary unit (a form most closely linked to the commune’s budget), a budgetary establishment (a form indirectly linked to the commune’s budget) and a municipal corporation (a form that in fact assumes full commercialization of public services).The aim of the paper is to analyse and evaluate relevant legislation, judicial practice of courts and regional accounting chambers, as well as the doctrine of local government law and public finance law regarding the scope of public services that can be financed through budgetary establishments. The hypothesis that the legislator’s implementation of new legal regulations since 2010 has led to implementation of more effective management methods with regard to public services and management of public finance allocated to these services was proven to be right. The legislator’s act of giving local government authorities relative freedom as to the choice of organizational and legal forms through which public services will be performed is tantamount to expecting that the authorities shall perform their tasks rationally. The leading method applied in the paper was the dogmatic and legal method, supported by the empirical and analytical method (in particular with regard to the judicial practice of courts and regional accounting chambers).

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15

Maas, Steffen, Evi Hartmann, and Stefan Herb. "Supply chain services from a service-dominant perspective: a content analysis." International Journal of Physical Distribution & Logistics Management 44, no. 1/2 (March 3, 2014): 58–79. http://dx.doi.org/10.1108/ijpdlm-11-2012-0332.

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Purpose – This paper aims to apply service-dominant logic thinking to the field of supply chain management (SCM) in order to classify, structure, and analyze different types of supply chain services (SCS) collected from interdisciplinary literature. The authors investigate how value is co-created between supply chain actors and develop research propositions regarding the influence of service type on value co-creation. Design/methodology/approach – Content analysis is employed to research SCS across 218 articles from 28 journals of logistics and SCM, service, finance and accounting, and information systems research. Findings – The occurrence of SCS within the literature is rising, and most SCS mentioned have a relieving as opposed to an enabling function. Also, SCS related to material and information flows dominate the field, whereas finances-flow-related services receive less attention. Finally, the paper provides evidence that different types of SCS require different management approaches. Research limitations/implications – Analyzing the literature and integrating different streams of research are only a first step towards building new theory. To test the developed propositions, further empirical research is encouraged. Practical implications – The paper offers implications for the management of different types of SCS from both the service provider ' s and service customer ' s perspective. Originality/value – The paper provides an interdisciplinary overview of the value proposed by different types of SCS. Furthermore, six service-dominant logic-based research propositions regarding the impact of service type on value co-creation are developed.

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Ali, Syed Nazim. "Building trust in Islamic finance products and services." Society and Business Review 12, no. 3 (October 9, 2017): 356–72. http://dx.doi.org/10.1108/sbr-03-2017-0017.

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Purpose With the increasing instances of malfeasance and frauds coming to light in the financial services industry, trust has become a key concern for customers. Fortunately, in the case of Islamic Finance, trust is a central tenet, and its importance can be seen through the emphasis of Amanah or trustworthiness that should be present in every financial transaction. However, it has been argued that the principle of trust has not been truly realized in Islamic Finance, or that there are still issues of distrust regarding anything which is obtrusively branded as “Islamic”. In this paper, the author will analyze the reasons for gaps between the expectations and reality of the finance industry today by looking at the main factors contributing to distrust among the different stakeholders and the perceived impact of the distrust on the industry and the general public. It then focuses on the past and ongoing efforts by academia to bridge these gaps between the different stake holder groups with the help of illustrative case studies as well as recommends future steps to be taken to ensure a stronger foundation of trust within the Islamic Finance community.

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Chowdhury, Priya, and Gopa Samanta. "Municipal Financing and Infrastructure: A Critical Analysis of the Cities in West Bengal." Space and Culture, India 9, no. 3 (November 30, 2021): 6–16. http://dx.doi.org/10.20896/saci.v9i3.1225.

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Cities, acting as engines of economic growth and generators of public finance for development, will usher in an urban revolution in the developing world. Such an urban revolution is sure to bring in opportunities to millions through the increasing level of urbanisation. This rising trend of urbanisation coupled with the increasing functional responsibilities of the Urban Local Bodies (ULBs) has been creating serious problems for the provision and financing of urban infrastructure. The resource crunch at each level of government in general, and the local level in particular, has instigated the need for analysing the causes behind such adverse state of municipal finance. Against this background, this paper attempts to evaluate the state of municipal finance in West Bengal by performing a comparative analysis of relevant indices. Acknowledging the potential of municipal finances in improving the delivery of basic services, the present study uses secondary data to demonstrate that the higher availability of essential urban services is associated with higher levels of revenue generation. This study presents a spatial and town class-based pattern analysis of the finances of ULBs of West Bengal in terms of their financial base, its adequacy, and their revenue and expenditure performance. The main thrust of this study is to examine the patterns of finances in ULBs in West Bengal and to present a comparative picture thereof along with per capita analysis of revenue and expenditure components based on size categories of the ULBs.

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Mancall, Peter C., and Edwin J. Perkins. "American Public Finance and Financial Services, 1700-1815." American Historical Review 100, no. 5 (December 1995): 1666. http://dx.doi.org/10.2307/2170070.

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Jones, Daniel P., and Edwin J. Perkins. "American Public Finance and Financial Services, 1700-1815." Journal of the Early Republic 16, no. 1 (1996): 111. http://dx.doi.org/10.2307/3124287.

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McCusker, John J., and Edwin J. Perkins. "American Public Finance and Financial Services, 1700-1815." Journal of American History 82, no. 1 (June 1995): 198. http://dx.doi.org/10.2307/2081958.

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21

FINDIK, Derya, K. ZCAN, and Fatih DAY. "How Do SMEs Finance Green Products or Services?" Ekonomik Yaklasim 33, no. 122 (2022): 1. http://dx.doi.org/10.5455/ey.21004.

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22

Veit, Daniel J., and Christof Weinhardt. "Enterprise, applications and services in the finance industry." Information Systems and e-Business Management 5, no. 2 (January 18, 2007): 139–41. http://dx.doi.org/10.1007/s10257-006-0043-8.

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23

Petrişor, Ioan, and Diana Cozmiuc. "Specific Models for Romanian Companies - Finance Shared Services." Procedia - Social and Behavioral Sciences 221 (June 2016): 159–65. http://dx.doi.org/10.1016/j.sbspro.2016.05.102.

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24

Riesman, Janet A., and Edwin J. Perkins. "American Public Finance and Financial Services, 1700-1815." William and Mary Quarterly 52, no. 3 (July 1995): 546. http://dx.doi.org/10.2307/2947317.

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25

Kinander, Morten. "Conflicts of interest in finance." Journal of Financial Regulation and Compliance 26, no. 3 (July 9, 2018): 334–50. http://dx.doi.org/10.1108/jfrc-12-2016-0108.

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Purpose Relying on research from social psychology and business ethics, this paper aims to argue that the current massive regulatory regime surrounding the attempts to curb what is perceived to be damaging conflicts of interests in the financial industry is based on misguided assumptions, and that the trend of increasingly detailed rule-making, supervision and sanctioning in this area might be counter-effective. This should cause financial services legislators and regulators to be cautious when proposing more detailed rules as solutions to perceived problems. The paper argues that disclosure is no remedy for a harmful conflict of interest, and that such an obligation can only be based on the client’s right to know about the conflict. This right, however, does not, in itself, justify all the extensive and detailed regulation in the area. The paper ends with a recommendation for more research into the moral reasoning ability of financial services professionals, as well as the interplay between judgment and rules in the finance industry. Design/methodology/approach The paper relies on research within behavioural moral psychology, and applies it to business ethics with the aim of discussing the impact of regulation on moral reasoning within the finance industry. Findings Regulation might lead to a decrease in moral reasoning, which is the premise of proper handling of conflicts of interest. Additionally, disclosure of unavoidable conflicts of interest might even strengthen the negative consequences of such conflicts. Research limitations/implications More research should be conducted within the financial services sector about the effect of regulation on individual judgment. Practical implications The paper proposes that care should be exercised when proposing increased and complex regulation to avoid unintended and adverse consequences for the financial services industry. Originality/value The paper synthesises existing research within different fields – such as moral psychology and analytic business ethics – and applies it to financial regulation.

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Pham, Huong Thu, and Tuan Anh Dao. "Impacts of Fintech to Finance-Banking activities and recommendation for Finance-Banking industry in Vietnam." Journal of Mining and Earth Sciences 61, no. 5 (October 31, 2020): 104–10. http://dx.doi.org/10.46326/jmes.ktqtkd2020.14.

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Impact of the 4th industrial revolution on development of finance and banking system (TCNH) is increasingly clear with the launch of a series of new and innovative banking products and services, as well as introduction of new distribution channels for banking services based on financial technology platform (Fintech). On the basis of components and products of Fintech ecosystem, the article mentioned Fintech market in Vietnam, clarifying positive and negative impacts of Fintech on operations of finance-banking industry, from there to issue some recommendations for activities of Vietnam’s Finance-Banking industry to meet new trends.

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Hirsch, Seev. "Services and service intensity in international trade." Review of World Economics 125, no. 1 (March 1989): 45–60. http://dx.doi.org/10.1007/bf02707518.

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Ray, George F. "Services for Manufacturing." National Institute Economic Review 117 (August 1986): 30–32. http://dx.doi.org/10.1177/002795018611700104.

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The most recent peak in the production of UK manufacturing industries was in 1973; ten years later, in 1983, the level of manufacturing output was still 15 per cent lower.In the same period the official output index for services (as measured by value added and other methods) increased markedly and one of its sections—Division 8, covering banking and finance, insurance, leasing, business and professional services—grew particularly rapidly, by about 70 per cent.

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Nash, Chris. "Railway Finance in Europe." Review of Network Economics 16, no. 2 (June 26, 2017): 67–88. http://dx.doi.org/10.1515/rne-2017-0039.

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Abstract Governments make substantial contributions to the finance of railways in Europe. This paper first considers the possible justifications for subsidies – namely normalisation of accounts, public service obligations, economies of density, relief of externalities on other modes, wider economic benefits and option values. It then considers the alternative ways of giving subsidies in the form of contributions to infrastructure costs, investment grants and subsidies to services. It concludes that there are good reasons for subsidising railways – in particular a first best argument for subsidising infrastructure will usually exist and a failure to do so will lead to fewer services being operated than are economically justified – but there is a need to ensure subsidies are used efficiently. Ways of achieving this include the setting of clear objectives and financial constraints, decentralisation of decision taking to focussed sector management, regulation and benchmarking of infrastructure costs and the introduction of competition for and in the market. Together these should reduce or eliminate the link between subsidies and inefficiency observed in earlier times.

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Kuck, J. "Modern Management Solutions for Logistics, Finance and Human Resources in Defense and Security Services." Economics, Entrepreneurship, Management 4, no. 2 (2017): 81–89. http://dx.doi.org/10.23939/eem2017.02.081.

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Silalahi, Purnama Ramadani, Rima Rizki Syahputri, Rendi Prayoga, and Ardhia Meianti. "Pentingnya Literasi Keuangan Bagi Masyarakat Agar Tidak Tertipu Investasi Bodong: Studi Kasus Binomo." El-Mujtama: Jurnal Pengabdian Masyarakat 2, no. 3 (July 29, 2022): 346–55. http://dx.doi.org/10.47467/elmujtama.v2i3.1901.

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Financial literacy is the knowledge, ability, expertise, and belief of a society to manage finances properly and gratefully. Financial literacy is one solution to filter the negative impacts of ICT developments, many financial products/services appear with different patterns, making it increasingly difficult to determine which investments are safe and which are risky. Literacy in finance is important because it is very important. Few Indonesians understand the many financial products and services available, as well as their features and benefits. This research is a literature study, collecting data using secondary data, and literature related to money. Research Topic According to the research, financial literacy is a powerful tool to reduce the victims of investment fraud that is increasingly prevalent in society. Knowledge and education of the general public about finance and financial literacy is very much needed. Keyword : Financial Literacy, Fraudulent Investment

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Faizah, Nur Iza, Fidri Fadillah Puspita, Diana Lestari, and Indriyeni Indriyeni. "GROWTH RATES OF ISLAMIC FINANCE: A BIBLIOMETRIC ANALYSIS BASED ON THE NUMBER OF PUBLICATIONS." Imara: JURNAL RISET EKONOMI ISLAM 5, no. 2 (December 29, 2021): 101. http://dx.doi.org/10.31958/imara.v5i2.2749.

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Islamic Finance, which is related to "Islamic finance", is a form of activity related to money which is financial products and services with Islamic principles. Islamic finance aims to avoid all actions related to bad deeds in accordance with the Koran, such as the term MAGRIB, namely Maysir, Gharar, Riba, Haram and Dzalim. Conventional-based financial services such as banks, insurance, stocks, investments and all those related to their services are the most prominent in society. Thus, this study aims to present the latest trends from Islamic Finance studies. This study uses bibliometric analysis based on data obtained from Scopus. By entering the keywords used, related to Islamic Finance in the title of the article, this study succeeded in obtaining 2028 documents for more detailed analysis. Various applications are used, such as Microsoft Excel to perform frequency analysis, VOSviewer for data visualization. This study presents the results using standard bibliometric analysis such as year of publication, type of document, type of source, title of source, language, subject area, keywords, geographic distribution, authorship and active institution. Based on our results, there has been an extraordinary growth in Islamic finance publications since 2005. The increasing number of articles on Islamic finance shows the importance of Islamic-based finance in the financial services industry

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Madhani, Pankaj M. "Lean Six Sigma in Finance and Accounting Services for Enhancing Business Performance." International Journal of Service Science, Management, Engineering, and Technology 12, no. 6 (November 2021): 141–65. http://dx.doi.org/10.4018/ijssmet.2021110109.

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The evolution of Lean Six Sigma includes both the speed of Lean and the robustness of Six Sigma. Lean Six Sigma leads to greater efficiency and better quality in the finance and accounting process. Lean Six Sigma helps in solving various issues faced by finance and accounting processes. Applying the principles and discipline of Lean Six Sigma in finance and accounting provides the tools and discipline to strengthen the internal control environment while at the same time ensuring that the information flows are efficient. Lean Six Sigma is the predominant process management methodology for finance and accounting services as it is rapidly transforming how finance and accounting functions are managed. Research provides a set of guidelines in the form of the smooth deployment of Lean Six Sigma in finance and accounting services and develops various frameworks for emphasizing its operational, tactical, and strategic benefits. Research also provides various illustrations of successful Lean Six Sigma deployment in finance and accounting.

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Mohamed, Saadiah, Jaizah Othman, Othmar Lehner, and Ruhaini Muda. "Social sukuk: A new mechanism to fund social services." Journal of Emerging Economies and Islamic Research 5, no. 1 (January 31, 2017): 69. http://dx.doi.org/10.24191/jeeir.v5i1.8797.

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While the premise of Islamic finance embraces the principles of maqasid al-shariah and risk sharing with claims to social justice and welfare, the direct impact of the modern Islamic finance industry and its contribution to the social sector has been limited. This paper examines the claim among critics that there is an inherent weakness of the present day Islamic banking and finance in terms of its underdeveloped social sector and argues for the need for new models that will enhance a proliferation of shariah compliant financial products for solutions in the social sector. The paper examines the emergence in Social finance of social bonds as new financing tools targeting on social needs and problems that otherwise would not be tackled. This paper discusses the benefits of structuring such a shariah compliant product and makes recommendations for structuring this new asset class referred to in this paper as social sukuk.

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Dandapani, Krishnan. "Electronic finance – recent developments." Managerial Finance 43, no. 5 (May 8, 2017): 614–26. http://dx.doi.org/10.1108/mf-02-2017-0028.

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Purpose The purpose of this paper is to evaluate the impact of the Digital Age on e-finance in five key areas: payment systems, cloud computing in financial services, valuation metrics for multisided platforms, quantum trading, cyber security – costs, benefits and protection. Design/methodology/approach It is an exhaustive review of technical developments and corporate practices in the area of electronic finance. Findings Electronic finance is a dominating force changing business models and systems in financial services. New developments are creating newer valuation metrics, and reinforcing the costs and benefits of security systems. Research limitations/implications This review concludes by pointing out potential areas of advancement in the coming decades and the possible evolution of newer e-finance models based on developments in artificial intelligence (AI) and internet of things (IoT) and its implications for managerial finance. Originality/value This is a review of the impact of electronic finance over the past two decades. Looking back electronic finance has significantly transformed the activities of corporations. Looking forward, financial managers have to watch for two important technical developments of AI and IoT and its potential impact on finance.

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Kanjilal, Mahananda. "Municipal Finance of West Bengal." International Journal for Research in Applied Science and Engineering Technology 10, no. 5 (May 31, 2022): 3569–86. http://dx.doi.org/10.22214/ijraset.2022.43062.

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Abstract: Urban local bodies ( ULBs) are statutorily responsible to deal with urban problems. The primary rationale of ULBs is provisioning of civic amenities to residents in the area under their jurisdiction. Increased urbanization creates demand for more and more civic services which are provided by the ULBs under fiscal stress. The objective of the proposed work is to undertake a study of the financial structure of ULBs of West Bengal and understand its implications for provisioning of municipal facilities for the period 2001-02, 2007-08 and 2013-14. This will include the analysis of the pattern of disbursements and receipts of ULBs at the state and district levels. This is followed by analysis of the components of receipts and disbursements. It has been found from the analysis of municipal finance that ULBs of West Bengal are not being able to generate sufficient revenue. The dependence on grants reflects the inability of ULBs to generate sufficient own source income. The provisioning of municipal services are also not at a desired level. The burden of unproductive expenditure and poor quality of municipal services are also found. West Bengal has implemented more or less all the provisions of the 74th Constitution Amendment Act But effective functioning and efficient administration are needed for overall improvement in the governance of ULBs. Keywords: Municipality, Finance, Urban local bodies, Revenue, Expenditure JEL codes: H2, H7, H71,H72,H75, H76

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Dobni, Brooke. "A model for implementing service excellence in the financial services industry." Journal of Financial Services Marketing 7, no. 1 (August 2002): 42–53. http://dx.doi.org/10.1057/palgrave.fsm.4770071.

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Irfan Ibrahim, Master, and Dabella Yunia. "Transformation Financial Services Authority in the Digitalization Era." Journal of Applied Business, Taxation and Economics Research 1, no. 4 (April 30, 2022): 385–92. http://dx.doi.org/10.54408/jabter.v1i4.75.

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Research aim for analyze policies and regulations and Steps _ develop Financial Services Industry , strengthening institutional Financial Services Authority , the role of OJK as part from Committee Stability System Finance . Method research used in research _ is method descriptive . Researcher analyze based on source reference as Regulation Government , Laws and Regulations from Financial Services Authority . Research results consist on Policies and regulations and Steps _ develop Financial Services Industry has regulated by law Number 21 of 2011 which can be applied with a number of stage , that is Step preparation , implementation and evaluation . Strengthening institutional Financial Services Authority performed on various aspect , that is aspect services , resources people and budget institution . OJK's role as part from Committee Stability System Finance done with guard stability system finance could done with response and synergy policy .

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Razinova, Elena. "Managing budgetary openness of public services." SHS Web of Conferences 116 (2021): 00055. http://dx.doi.org/10.1051/shsconf/202111600055.

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The analysis of the aspects of information transparency of public finance in terms of public services (lists of public services, government assignments and information on subsidies for financial support of government assignments, cost standards for the provision of public services) at the federal and regional levels. Regulatory legal acts of the constituent entities of the Russian Federation, official websites of executive authorities and specialized federal resources for publishing budget data are considered. In accordance with the identified contradictions, the information objects published at the federal and regional levels were ranked according to the level of budgetary openness, and areas of improvement associated with increasing the level of accessibility and transparency of public finance data were identified.

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Xu, Guangjian, and Yan Wu. "Basic public services and the restructuring of the public finance system in China." Asian Education and Development Studies 5, no. 4 (October 3, 2016): 438–53. http://dx.doi.org/10.1108/aeds-07-2016-0056.

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Purpose The purpose of this paper is to examine the financing and provision of basic public services in China. The main issue addressed is how to reform the public finance system to achieve quality and fairness in the provision of basic public services. Design/methodology/approach Based on an historical analysis of the functional transformation of the public finance system in China and on an empirical analysis of the current public finance system and the public service provision system, a comprehensive understanding was gained about the relationship between the financing and provision of basic public services. Findings The paper argues that there is a close relationship between the provision of basic public services and the functional changes made to the public finance system. Based on a systematic retrospective study of the Chinese Government’s efforts to improve basic public services over the last three decades, this paper offers policy suggestions on further public finance restructuring that would support better service provision. Originality/value By analyzing issues in the public service provision system, this paper contributes to the debate about the efficiency improvement made to governmental functions in China.

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Alnasery, Asmaa Habeeb, Ibrahim Khaleel Ibrahim, and Mayada Mahmood Ahmed. "Digital Finance and COVID-19." International Journal of Engineering, Business and Management 6, no. 3 (2022): 39–46. http://dx.doi.org/10.22161/ijebm.6.3.5.

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The COVID-19 pandemic has impacted digital financial inclusion trends across the world in many and complex ways. In developing and emerging contexts, this crisis also holds the potential to propel an unprecedented acceleration in the process of financial digitization and turn out to be a game-changer for digital financial inclusion. The aim of this study is to illustrate the opportunities and risks associated with the surge in uptake and use of digital financial service, providing ideas on how to leverage the paradigm changes affecting the overall approach and perspective towards digital financial services on the part of various stakeholders to advance financial inclusion and development. It also seeks to showcase how digital financial services have been used in both traditional and innovative ways to mitigate the impact of the COVID-19 crisis on economies and societies, by both public and private actors.

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Harrow, Jenny. "Book Review: Public Services and the 1990s: Issues in Public Service Finance and Management." Teaching Public Administration 14, no. 1 (March 1994): 84–85. http://dx.doi.org/10.1177/014473949401400112.

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Griffin, Gerard, and Stephen De Rozairo. "Trade Union Finances in the 1970s and 1980s." Journal of Industrial Relations 35, no. 3 (September 1993): 424–35. http://dx.doi.org/10.1177/002218569303500304.

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This paper outlines and analyzes trade union finances during the 1970s and 1980s. During the 1970s, despite an increasing membership and rising real income, trade unions experienced significant financial problems; in particular, expenditure outpaced income, and assets, measured on a membership per capita basis, decreased markedly. In contrast, and influenced by a falling membership, union financial ratios improved during the 1980s so that by 1989 unions were once again able to finance adequately their existing levels of membership services. An increase in the demand for such services, possibly generated by a move towards enterprise bargaining, could again threaten the financial status of unions.

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Zhang, Kevin Honglin. "Corporate Finance, Trade in Services, and the Exchange Rate." Chinese Economy 46, no. 6 (November 2013): 3–6. http://dx.doi.org/10.2753/ces1097-1475460600.

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Matin, Imran, David Hulme, and Stuart Rutherford. "Finance for the poor: from microcredit to microfinancial services." Journal of International Development 14, no. 2 (2002): 273–94. http://dx.doi.org/10.1002/jid.874.

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Alam, Intekhab, and Pouya Seifzadeh. "Marketing Islamic Financial Services: A Review, Critique, and Agenda for Future Research." Journal of Risk and Financial Management 13, no. 1 (January 4, 2020): 12. http://dx.doi.org/10.3390/jrfm13010012.

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Islamic finance has experienced rapid growth globally, surpassing the USD 2 trillion mark in 2017. As a result, the literature related to Islamic finance and banking is rather rich. Despite the richness of the literature, our knowledge of the marketing issues related to Islamic finance is modest and somewhat ambiguous. Therefore, we review several decades of research about the Islamic finance in various parts of the world. We identify and discuss three main research themes that draw on different conceptualization and theoretical lenses. After synthesizing their respective findings, we propose several avenues for future research that integrate these three research themes with the goal of developing a more nuanced understanding of Islamic finance and its marketing. While we believe that our review will mainly serve as a crucial reinvigoration and launch point for future research on Islamic finance marketing, it is also of great practical benefit for policymakers of various countries and especially managers of financial service firms interested in marketing Islamic banking and financial services to their customers.

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Guo, Shu Xin, Jian Nan Guo, and Yang Sun. "Satisfaction Survey of Local Financial University Services Students." Applied Mechanics and Materials 644-650 (September 2014): 5636–39. http://dx.doi.org/10.4028/www.scientific.net/amm.644-650.5636.

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This paper analyzed the local Financial university Services student satisfaction survey indicators , established a local college student satisfaction survey Financial model and use the designed local colleges and universities service student satisfaction questionnaire survey satisfaction with the status of student services for the school . Using the model to analyze the survey data processing , obtained satisfaction index of services. Research shows : Local Finance college student satisfaction is better, which is inseparable in recent years increasing efforts in building local Finance colleges.

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Philippov, D. I. "Innovative regulating technologies: revision of finance supervision." Vestnik of the Plekhanov Russian University of Economics, no. 5 (October 25, 2018): 54–68. http://dx.doi.org/10.21686/2413-2829-2018-5-54-68.

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The global finance crisis of 2008 ushered a new era of finance technologies (fintech) marked by a whole wave of new start-ups supplying new technologies. At the same time the global finance crisis caused a serious reform of finance regulation and considerable revision of finance supervision efficiency. As a result of post-crisis reforms a drastic transformation of the finance market and finance services took place. The author shows that growth in finance technologies raises certain questions for finance bodies, for example, whether it is necessary to extend regulating and supervising perimeter; if new types of digital finance services comply with existing rules; how to identify, estimate, cut and monitor risks of fintech-innovation. There are also questions concerning possible disintermediation caused by finance technologies, which means the exclusion of mediators from production and sale chain, i.e. selling products directly to customers without wholesale and retail resellers and potential impact on finance stability as well as new ways of central banks functioning. And finally, another question, if risks to cyber-security and data protection are well understood, managed and reduced.

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Suprun, Anatoliy, Tetiana Petrishina, Marina Sadovenko, Natalya Voloshanyuk, and Serhii Khodakevich. "Digital Technologies in Finance: Modernity and Prospects." SHS Web of Conferences 100 (2021): 01004. http://dx.doi.org/10.1051/shsconf/202110001004.

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Digital technologies have radically changed all financial relations in society. A new financial business ecosystem based on the use of digital technologies is rapidly forming. The article examines the recent changes in the financial sector under the influence of new technologies. The benefits received by consumers of financial services and financial institutions from the introduction of digital technologies are assessed. The survey of financial services consumers conducted by the authors of the article to some extent reflects the situation with the use of digital financial services in Ukraine. However, the process of digitalization is still far from complete. The formation of a new ecosystem, along with opportunities, generates new risks. There are new, often complex and not always clear to the general public financial products and services. The low level of financial and digital literacy forms a platform for manipulation, falsification and outright fraud. The problem of cybersecurity is relevant. The situation with employment in the financial sector in the medium and long term is rather uncertain. System errors are a risk factor too which can cause significant damage to both individuals and legal entities. The article provides examples of system errors and identifies their main cause - low qualification of information technology professionals working in the public sector. The vision of the future development of the financial sphere within the framework of digitalization is formed, the necessary changes at the private and public levels are determined.

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Melnyk, V. O. "Modification of Personal Investment Tools from the Perspective of Digital Finance and Its Influence on Ukrainian Finance Market." Business Inform 6, no. 521 (2021): 205–12. http://dx.doi.org/10.32983/2222-4459-2021-6-205-212.

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Drastic changes in the financial services market under the influence of digitalization determine the relevance of research of the modern structure of this market, taking into account the emergence and development of the FinTech innovations. The increase in new investment instruments is attracting the attention of an increasing number of individual investors in the digital finance industry. Considering these tools, the preferences of individual investors require a separate study. The article is aimed at studying the financial market in digital finance and analyzing such types of investments as cryptocurrencies and crowdfunding, as well as the characterizing the online brokerage as a way to obtain investment services among individual investors. As a result of the study, the place and role of cryptocurrencies, crowdfunding and online brokerage in the investment activities of individuals is substantiated; the main mechanisms of work of these financial instruments are allocated and features of their development in Ukraine are characterized. The main disadvantages and advantages of crowdfunding and cryptocurrencies are defined and further steps are proposed regarding the prospects for their development in Ukraine. In addition, the article analyzes the current state of functioning of the online brokerage service in Ukraine and proves the relevance of the allocation of these financial instruments at the legislative level. Prospects for further research in this direction are the analysis of other digital instruments of personal investments, as well as a detailed study of the specifics of functioning of crowdfunding, cryptocurrencies and online brokerage in Ukraine. For the more efficient functioning of investment instruments in the sphere of digital finance, as well as effective use in practical activities, it becomes necessary to closer define these concepts at the legislative level and to substantiate the specifics of their work in detail.

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Journal articles on the topic 'Finance Services'

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