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Journal articles on the topic 'Financial benefits'

Author: Grafiati

Published: 4 June 2021

Last updated: 31 May 2022

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1

Kaplan, Dean, and Michael Nadol. "Financial Benefits of Accreditation." Proceedings of the Water Environment Federation 2002, no. 4 (January 1, 2002): 690–707. http://dx.doi.org/10.2175/193864702785301619.

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2

Tan Jr., Carlos Antonio, Narisa Sugay, Maria Sylvia Nachura, Katrina Miradora, Abba Marie Moreno, Josefa Mina Nieva, and Joyce Encluna. "National Health Insurance Program financing during the COVID-19 pandemic: financial viability and." Philippine Review of Economics 58, no. 1&2 (December 2021): 157–84. http://dx.doi.org/10.37907/7erp1202jd.

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This paper examines the state of National Health Insurance Program (NHIP) financing during the COVID-19 pandemic in the Philippines, an event which coincides with the implementation of the Universal Health Care (UHC) mandates on restructuring the NHIP premium schedule, providing immediate eligibility to NHIP benefits, and expanding member benefits. Using the ratio of total expenditures to total revenues as the measure of financial viability, it shows that the NHIP remains financially viable during the COVID-19 pandemic year of 2020. Projections for 2021 however show that NHIP financial viability may be adversely affected by the significantly higher number of COVID-19 cases with the negative effect mitigated only if COVID-19 benefit claim patterns remain as weak as observed for 2020. On the revenue side, the potential for a lower premium is observed to be offset by the higher rates in the UHC mandated premium schedule. On the expenditure side, potential increases associated with the implementation of immediate eligibility and the introduction of COVID-19 benefits are mitigated by lower NHIP benefit utilization due to reduced mobility and access to health facilities. Secondary analysis on who has to bear the burden of paying for NHIP benefits, however, shows that the implementation of UHC financing initiatives may heighten adverse incentives on members’ willingness to pay premiums. Using the benefit expenditure-premium contribution ratio as the measure for the burden of paying for NHIP benefits, it is shown that the Formal Economy sector shoulders the burden of funding the NHIP benefits of the Informal Economy and Sponsored sectors.

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3

Reddy, V. Sumateja. "Sustainable Construction: Analysis of Its Costs and Financial Benefits." International Journal of Innovative Research in Engineering & Management 3, no. 6 (November 17, 2016): 522–25. http://dx.doi.org/10.21276/ijirem.2016.3.6.12.

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4

Habibi, Ahmad, and Muhammad Iqbal. "BENEFITS OF FINANCIAL RATIOS FOR FINANCING SHARIA BANKING INDONESIA." Amwaluna: Jurnal Ekonomi dan Keuangan Syariah 5, no. 1 (December 28, 2020): 1–12. http://dx.doi.org/10.29313/amwaluna.v5i1.5299.

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This study aims at how the benefits of financial ratios to Islamic banking financing in Indonesia. The data used is time-series data. Population, as well as samples in this study, are statistical reports of sharia banking Sharia Commercial Banks in Indonesia for the period January 2015 - December 2017. Ratio selection is conducted by using a stepwise regression method as well as hypothesis testing is done by multiple regression, t-test, and F test. The results obtained from the study show that the value of Adjusted R2 can obtain values of 0.914 or 91.40%. The t-test results show that FDR, NPF, and ROA significantly influence Sharia Banking Financing. This shows that from the financial ratios used in this study, three financial ratios that affect the Financing of Sharia Banking in Indonesia, namely FDR, NPF, and CAR.

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SULLIVAN, MICHELE G. "Shared Appointments Offer Financial Benefits." Family Practice News 40, no. 18 (November 2010): 50. http://dx.doi.org/10.1016/s0300-7073(10)71141-5.

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Munasinghe, Aruna, Mauro Laudicella, and Omar Faiz. "Financial Benefits of Laparoscopic Colectomy." JAMA Surgery 150, no. 12 (December 1, 2015): 1202. http://dx.doi.org/10.1001/jamasurg.2015.2776.

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7

Clements, Christine J., and Bharath M. Josiam. "Training: quantifying the financial benefits." International Journal of Contemporary Hospitality Management 7, no. 1 (February 1995): 10–15. http://dx.doi.org/10.1108/09596119510078162.

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8

Asongu, Simplice. "Financial development dynamic thresholds of financial globalization." Journal of Economic Studies 41, no. 2 (March 4, 2014): 166–95. http://dx.doi.org/10.1108/jes-03-2012-0039.

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Purpose – The issue of which financial initial conditions are necessary to materialize the benefits of financial globalization remains open to debate in the literature. In this paper, the author tries to put some empirical structure on the concept of financial threshold conditions in order to give policymakers guidance on the Kose et al. and Henry hypothesis. Its object is to assess whether financial benefits of financial globalization are questionable until greater domestic financial development has taken place in African countries. The paper aims to discuss these issues. Design/methodology/approach – In framing the financial dimension in a more concrete and tractable manner, the author examines the concerns of how domestic financial initial dynamics of depth (economic and financial systems), efficiency (banking and financial systems), activity (banking and financial systems) and size, play out in the financial development benefits of financial globalization. The estimation approach consists of assessing the impact of financial globalization through out the conditional distributions of domestic financial development dynamics. Findings – The introduction of previously missing financial dimensions into the debate generates a number of important findings. Only financial initial (threshold) conditions of size are necessary to materialize the benefits of financial globalization. While financial depth only partially validates the hypothesis, dynamics of efficiency and activity (credit) do not confirm the hypothesis. Practical implications – Addressing the issue of surplus liquidity in African financial institutions could improve the benefits of financial size and potentially reverse the trends of financial efficiency and activity. Depending on the context of sampled countries, the appropriate role of policy has always been either to stem the tide of capital flows or encourage them. Policymakers who have been viewing their challenges exclusively from the latter perspective for benefits in growth (finance) might be getting the financial dynamics badly wrong. Originality/value – Blanket financial development policies may not reap the financial benefits of financial globalization until domestic financial dynamics of depth, efficiency, activity and size are critically considered. The introduction of the last three previously missing components in the literature sheds more light on the globalization-development nexus.

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Liang, Xiao, and Meine Pieter van Dijk. "Cost Benefit Analysis of Centralized Wastewater Reuse Systems." Journal of Benefit-Cost Analysis 3, no. 3 (August 23, 2012): 1–30. http://dx.doi.org/10.1515/2152-2812.1060.

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The present paper carries out a cost benefit analysis of centralized wastewater reuse systems in Beijing. This study consists of two parts: financial analysis and economic analysis. The financial analysis is made from the point of view of plant manager, in which financial benefits and cost is calculated. The economic analysis is made from the point of view of society, in which the economic, environmental and social benefits and cost are determined. The results of financial analysis show that the financial benefits are larger than cost, which means the centralized wastewater reuse systems are financially feasible. It implies that the investment on centralized wastewater reuse systems is profitable. The results of economic analysis show that the ratio of benefit to cost is larger than 1, which means the centralized wastewater reuse systems are economically feasible. It implies that centralized wastewater reuse systems have positive effects on the society. From the point of view of plant manager, centralized wastewater reuse systems could operate in a long term, while from the point of view of government or society, the centralized wastewater reuse systems are worth to be promoted.

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10

FRIEDEN, JOYCE. "Medicaid Managed Care's Financial Benefits Elusive." Skin & Allergy News 36, no. 2 (February 2005): 70. http://dx.doi.org/10.1016/s0037-6337(05)70612-4.

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11

Danaher, Peter J., and Roland T. Rust. "Indirect Financial Benefits from Service Quality." Quality Management Journal 3, no. 2 (January 1996): 63–75. http://dx.doi.org/10.1080/10686967.1996.11918728.

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12

DE FRANCO, GUS, S. P. KOTHARI, and RODRIGO S. VERDI. "The Benefits of Financial Statement Comparability." Journal of Accounting Research 49, no. 4 (April 20, 2011): 895–931. http://dx.doi.org/10.1111/j.1475-679x.2011.00415.x.

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13

Rosemurgy, Alexander S., Carrie E. Ryan, Richard L. Klein, Thomas W. Wood, Franka Co, and Sharona B. Ross. "Financial Benefits of a Hepatopancreaticobiliary Program." American Surgeon 82, no. 5 (May 2016): 380–85. http://dx.doi.org/10.1177/000313481608200509.

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Financial implications of developing a hepatopancreaticobiliary (HPB) center have not been considered. We undertook this study to determine hospital income associated with a new HPB center and to gauge the opportunity cost associated with such a center. Operations included were based on the HPB fellowship curriculum and the six most commonly undertaken general surgery operations. The income with “core” HPB operations (n = 93) and the six most frequently undertaken general surgery operations (n = 583) at one hospital from June 2012 to June 2013 were determined. Patients were not screened based on the ability to pay. Data are reported as mean ± standard deviation. Per operation, hospital income with HPB operations and general surgery operations were $15,583.20 ± $45,909.41 and $5,162.22 ± $33,679.10 ( P < 0.005), respectively. Accordingly, net incomes of $1,449,238.04 (n = 93) and $3,009,572.78 (n = 583) were observed. Although general surgery operations are ubiquitous, HPB centers are uncommonly pursued at most hospitals, in part due to the patient volumes necessary to meet the expertise required. A “core” HPB operation produces triple the net income of a general surgery operation. Accordingly, significant financial benefit is achievable with the development of an HPB center when adequate volume is realized.

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14

Saikami, Duane. "Financial risk management of pharmacy benefits." American Journal of Health-System Pharmacy 54, no. 19 (October 1, 1997): 2207–12. http://dx.doi.org/10.1093/ajhp/54.19.2207.

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15

Moreland, Keith A. "Seeking Financial Advice and Other Desirable Financial Behaviors." Journal of Financial Counseling and Planning 29, no. 2 (November 2018): 198–207. http://dx.doi.org/10.1891/1052-3073.29.2.198.

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Advice from financial counselors is one potential source for improving financial behaviors and well-being among clients and within their communities. This study examined whether obtaining financial advice is associated with other personal financial behaviors. Analysis of National Financial Capability Study data showed that obtaining advice is positively associated with financial behaviors while controlling for other relevant variables, including two measures of financial knowledge. The results also indicated greater benefits from obtaining advice for those with less financial knowledge. The findings suggest that efforts by financial counselors to provide financial advice to clients and others through service activities can improve financial decision-making in their communities including by those who can benefit the most.

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16

Iqbal, Zahid, and Shekar Shetty. "Layoffs, Stock Price, And Financial Condition Of The Firm." Journal of Applied Business Research (JABR) 11, no. 2 (September 21, 2011): 67. http://dx.doi.org/10.19030/jabr.v11i2.5876.

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Prior empirical studies indicate that investors perceptions of managerial decisions are contingent on the finance condition of the firm. We extend this argument to employee layoffs and find that financial healthy firms exhibit lower shareholders reactions when compared with financially weak firms. The findings lend support to the potential benefit hypothesis that the future benefits of layoffs are likely to be less for financially healthy firms than for financially weak firms.

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17

Carapeto, Maria, and Mauricio Acosta. "Why protect financial markets?" Risk Governance and Control: Financial Markets and Institutions 2, no. 4 (2012): 25–39. http://dx.doi.org/10.22495/rgcv2i4art3.

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The purpose of this paper is to estimate the benefits from adopting close-out netting to decrease the exposure to counterparty risk across the world markets and to establish the additional benefits from central counterparties towards decreasing counterparty risk. The novelty of the approach is to estimate a figure for counterparty credit risk (CCR) grouping together most of the financial transactions that generate counterparty risk and to analyze the benefit of netting possibilities in reducing the overall risk exposure, using three different scenarios. In the first scenario, counterparty credit risk is calculated assuming that no close-out netting is possible across different contracts. The second scenario assumes bilateral negotiations and netting across contracts. The third scenario contemplates the existence of a central counterparty as the center of transactions. Benefits from netting and central counterparty are assessed by comparing the risk exposure in each scenario. Results from the model show that netting provides a decrease in world counterparty risk of over $17 trillion. Netting is thus a powerful tool available in the world markets to manage counterparty risk while decreasing systemic risk, and as such policies to facilitate and standardize netting procedures across different jurisdictions should be encouraged. Moreover, results show that the use of central counterparties for settling the outstanding contracts would additionally decrease CCR by over $2 trillion.

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18

Skinner, Jonathan, Kalipso Chalkidou, and Dean T. Jamison. "Valuing Protection against Health-Related Financial Risks." Journal of Benefit-Cost Analysis 10, S1 (2019): 106–31. http://dx.doi.org/10.1017/bca.2018.30.

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There is strong interest in both developing and developed countries toward expanding health insurance coverage. How should the benefits, and costs, of expanded coverage be measured? While the value of reducing the financial risks that result from insurance coverage have long been recognized, there has been less attention in how best to measure such benefits. In this paper, we first provide a framework for assessing the financial value from health insurance. We focus on three distinct potential benefits: Pooling the risk of unexpected medical expenditures between healthy and sick households, redistributing resources from high- to low-income recipients and smoothing consumption over time. We then use this theoretical framework and an illustrative example to provide practical guidelines for benefit-cost analysis in capturing the full benefits (and costs) of expanding health insurance coverage. We conclude by considering other potential financial effects of broad insurance coverage, such as the ability to consolidate purchases and thus lower input prices.

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19

Allee, Kristian D., and Teri Lombardi Yohn. "The Demand for Financial Statements in an Unregulated Environment: An Examination of the Production and Use of Financial Statements by Privately Held Small Businesses." Accounting Review 84, no. 1 (January 1, 2009): 1–25. http://dx.doi.org/10.2308/accr.2009.84.1.1.

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ABSTRACT: We examine the financial reporting practices of small privately held businesses that are not subject to SEC regulation. Specifically, we determine the factors associated with the production and use of financial statements for firms that have discretion in the preparation of financial statements and do not face the demands of public equity markets. In addition, for firms that prepare financial statements, we determine the factors associated with the sophistication of the financial statements in terms of whether the financials are compiled, reviewed, and/or audited by a professional accountant and whether the firm produces accrual-based financial statements. Finally, we examine the potential benefits afforded firms producing financial statements, having audited financial statements, and having accrual-based financial statements. We find that firms with audited financial statements benefit in the form of greater access to credit and that firms with accrual-based financial statements benefit in the form of a lower cost of credit.

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20

Khmelkov, Andrii. "Financial institutions and financial control." Ekonomìčna teorìâ 2021, no. 2 (June 16, 2021): 47–64. http://dx.doi.org/10.15407/etet2021.02.047.

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The article points out that the institution of financial control has clearly defined limits of application in society, while the scope of its direct application is the formation, distribution and use of public finances. The author shows that the institution of control has a binary nature, whose consideration allows to distinguish between its formal and informal content and to find ways to improve the efficiency of its use. The informal content of the institution of control is related to the financial morality of society and its members, and the formal one — to the competence or practice of agents of the institution of control as its structural elements for the benefit of society in the form of financial gain. It is proved that the public utility of the institution of control is determined by the financial and institutional benefits of its operation. Based on the calculations, it is shown that the institution of control is in a state of dysfunction. The author proposed various ways to overcome the established dysfunction, in particular, are proposed – giving the institute control over the powers to prevent financial violations and to effect full compensation.

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21

Ćetković, Jasmina, Miloš Knežević, Slobodan Lakić, Miloš Žarković, Radoje Vujadinović, Angelina Živković, and Jelena Cvijović. "Financial and Economic Investment Evaluation of Wastewater Treatment Plant." Water 14, no. 1 (January 5, 2022): 122. http://dx.doi.org/10.3390/w14010122.

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Improved Cost-Benefit Analysis (CBA) analysis requires a broader analytical framework, in order to perceive each project individually from the perspective of potentially measurable and significant effects on the environment and society as a whole. The main goal of our paper is to assess the financial and economic justification for variant V3 (as the most technically optimal) of the wastewater treatment plant (WWTP) construction project in Nov Dojran, North Macedonia, with the purpose of advancing municipal infrastructure and environmental benefits from improved water treatment. Based on the economic analysis conducted, we conclude that the investment in the WWTP project is justified, because the economic internal rate of return is higher than the opportunity cost of capital (EIRR = 16.38%), the economic net present value is higher than 0, and EBCR (benefit-cost ratio) is greater than 1 (EBCR = 2.11). The highest environmental benefit of 49.2% in total environmental benefits is associated with nitrogen, while phosphorus is the next pollutant in the structure of environmental benefits at 46.1%. The environmental benefits of removing biological oxygen demand (BOD) and chemical oxygen demand (COD) are significantly less important, despite the removal of significant amounts of these pollutants during treatment. The situation is similar with suspended particles.

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Marais, Joset-Jordaan, and Riëtte Eiselen. "Organic agriculture: The trade-off between financial and non-financial benefits." Journal of Economic and Financial Sciences 9, no. 1 (December 18, 2017): 106–19. http://dx.doi.org/10.4102/jef.v9i1.32.

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The threats of climate change have compelled humans to consider the environmental impact of their decisions, including those relating to agricultural practices. Organic agriculture is believed to be a mitigating factor when it comes to climate change. This paper explores the perceptions of organic farmers regarding the benefits of organic agriculture, from a financial and non-financial perspective. It also highlights the trade-off between the perceived non-financial and financial benefits of organic agriculture. A convenience sample of 26 farmers was obtained. The utility of a convenience sample was necessary due to the unavailability of a complete database of organic farms in South Africa. Results indicated that the perceived non-financial benefits of organic agriculture were considered to be the most important consideration for the decision to farm organically. The results confirmed and augmented those found by other authors, namely that the environmental benefits of organic agriculture were considered to be very important to organic farmers.

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23

Bugaj, Justyna M., and Radosław Rybkowski. "Private benefits of higher education – financial analysis." Zeszyty Naukowe Uniwersytetu Szczecińskiego Finanse, Rynki Finansowe, Ubezpieczenia 2015, no. 74/1 (April 30, 2015): 687–96. http://dx.doi.org/10.18276/frfu.2015.74/1-60.

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24

Kędzierska-Szczepaniak, Angelika. "Private benefits of higher education – financial analysis." Zeszyty Naukowe Uniwersytetu Szczecińskiego Finanse, Rynki Finansowe, Ubezpieczenia 2015, no. 74/1 (April 30, 2015): 697–707. http://dx.doi.org/10.18276/frfu.2015.74/1-61.

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25

Serna-Suárez, Iván Darío, Gabriel Ordóñez-Plata, and Gilberto Carrillo-Caicedo. "Financial and environmental benefits of activedistribution networks." Revista UIS Ingenierías 17, no. 2 (February 26, 2018): 55–64. http://dx.doi.org/10.18273/revuin.v17n2-2018005.

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26

Lu, Yaotai. "Public Financial Information Management for Benefits Maximization." International Journal of Organizational and Collective Intelligence 6, no. 3 (July 2016): 50–74. http://dx.doi.org/10.4018/ijoci.2016070104.

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Information management is an essential part in the public budgetary process. This paper analyzes the theoretical basis, tools, and consequences of information management throughout a budget cycle. Budgeters and decision makers need necessary financial data related to all types of revenues and expenditures, economic conditions, and agency needs, among other factors. From an organization theory perspective, budget agencies face a great number of uncertainties and constraints throughout each phase of a budget cycle. Using appropriate budgeting techniques and approaches, they collect, analyze, and use necessary information to make rational budgetary decisions regarding revenue raising and resource distribution. They intend to attain such goals and objectives as cutting inefficient expenditure, achieving more output and outcome with less input, and attaining oriented societal consequences. Extensive efforts in budget reforms have resulted in considerable productivity in government administration, but at a low level. Continuous efforts are needed for further improvement of performance.

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27

Stephan, C. "The financial benefits to building outsourcing partnerships." Corporate Environmental Strategy 5, no. 3 (1998): 65–70. http://dx.doi.org/10.1016/s1066-7938(00)80102-5.

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28

Gewirtz, Paul A., and Richard Ostuw. "Retiree Welfare Benefits: A Financial Time Bomb." Compensation Review 17, no. 2 (March 1985): 32–39. http://dx.doi.org/10.1177/088636878501700204.

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29

Pang, Ming Fai. "Boosting financial literacy: benefits from learning study." Instructional Science 38, no. 6 (April 3, 2009): 659–77. http://dx.doi.org/10.1007/s11251-009-9094-9.

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30

Milevsky, Moshe A., and Thomas S. Salisbury. "Financial valuation of guaranteed minimum withdrawal benefits." Insurance: Mathematics and Economics 38, no. 1 (February 2006): 21–38. http://dx.doi.org/10.1016/j.insmatheco.2005.06.012.

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31

Ivanović, Zoran, and Vanja Ivanović. "RISK MANAGEMENT AND IT'S FINANCIAL BENEFITS NET." Tourism and hospitality management 9, no. 2 (December 2003): 1–12. http://dx.doi.org/10.20867/thm.9.2.1.

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The aim of this article was to attract attention on the importance of risk management. Here we are dealing with the definition of the risk as something that happens in the future but cannot be predicted exactly today because there is uncertainty, further more we are giving the highligts on risk decisions and balancing risk against reward. We are also giving the guidelines concerning identification and categorization of risk and some types of risk measurement.

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32

Choi, Albert H., and Kathryn E. Spier. "Taking a Financial Position in Your Opponent in Litigation." American Economic Review 108, no. 12 (December 1, 2018): 3626–50. http://dx.doi.org/10.1257/aer.20161863.

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Before filing suit, a plaintiff can take a financial position in a defendant firm. A short position benefits the plaintiff by transforming a negative expected-value claim into a positive expected-value one and by enhancing the claim's settlement value. If the capital market is less than strong-form efficient, the plaintiff also benefits directly from the decline in the defendant's stock price. When the defendant is privately informed about the case's merits, bargaining failures can arise. While aggressive short-selling benefits the plaintiff at the expense of the defendant, moderate levels of short-selling can benefit the defendant and raise the settlement rate. (JEL D82, G14, K41)

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Despard, Mathieu R., Ellen Frank-Miller, Yingying Zeng, Sophia Fox-Dichter, Geraldine Germain, Michal Grinstein-Weiss, and Meredith Covington. "Employee Financial Wellness Programs: Promising New Benefit for Frontline Workers?" Compensation & Benefits Review 52, no. 4 (August 19, 2020): 156–74. http://dx.doi.org/10.1177/0886368720942371.

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Interest among employers is growing in employee financial wellness programs (EFWPs), a new type of benefit to address financial stress among employees. EFWP benefits include financial counseling, small-dollar loans, and savings programs that address employees’ nonretirement financial needs. Little evidence exists concerning the availability and use of and outcomes associated with EFWPs, especially among low- and moderate-income (LMI) workers who may be in the greatest need of these benefits. We present findings concerning awareness and use of EFWPs from a national survey of LMI workers ( N = 16,650). Availability of different EFWP benefits ranged from 11 to 15% and over a third of workers were unaware of whether their employer offered an EFWP. Experiencing financial difficulties predicted both EFWP awareness and use suggesting that employers should take time to assess employees’ specific financial challenges to select benefits. Yet, use of EFWPs by LMI workers may suggest the need for better compensation and work conditions.

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Buch, Claudia M., and Linda S. Goldberg. "Global Banking: Toward an Assessment of Benefits and Costs." Annual Review of Financial Economics 12, no. 1 (November 1, 2020): 141–75. http://dx.doi.org/10.1146/annurev-financial-021920-112021.

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Global activities of banks are a core manifestation of broader patterns of globalization of production, trade, and finance. This article reviews the extensive recent empirical and theoretical literature on global banking, emphasizing the careful empirical analyses that incorporate key dimensions of heterogeneity among borrowers and lenders, and across activities. The actions of globally active banks are consequential, with cost and benefit trade-offs that differ during their lifetimes and at times of stress. Both research and policymaking around global banking benefit from improved infrastructures around collection of and access to granular data and repositories of evaluation studies. Although overall positive contributions from welfare perspectives arise from the activities of global banks, these organizations require appropriately targeted policy frameworks and oversight.

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35

Thomas, Arthur M., and Neil Canter. "Financial Benefits of Florida Generic Orange Juice Marketing." Agricultural and Resource Economics Review 38, no. 3 (December 2009): 431–44. http://dx.doi.org/10.1017/s1068280500009679.

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The benefits to Florida orange growers of generic orange juice advertising are assessed using additive, nonlinear, regional econometric models, measuring the impact of category and brand marketing efforts on category demand while controlling for pricing and various other factors. The study shows that generic marketing efforts increased orange juice category demand by 8.3 percent, resulting in increased orange prices and a benefit-to-cost ratio to Florida growers of 3.5 to 1. Branded promotional activity was found to primarily fuel brand switching and pantry-loading, with only modest impacts on overall category demand.

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Febriantika, Aditya, Rianita Puspa Sari, and Aulia Fashanah Hadining. "Analisis Pengaruh Aspek Technology-Organization-Environment dalam Financial Technology terhadap Financial Inclusion UMKM Karawang." JURNAL TEKNIK INDUSTRI 10, no. 2 (July 31, 2019): 170–80. http://dx.doi.org/10.25105/jti.v10i2.8401.

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Intisari— Permulaan Industri 4.0 ditandai dengan munculnya rekayasa intelegensia dan internet of thing. Industri 4.0 diperkirakan akan mempunyai potensi manfaat yang besar, namun menyimpan berbagai dampak negatif salah satunya adalah disrupsi pada ancaman lapangan pekerjaan yang membuat persaingan semakin ketat. Langkah Pemerintah Indonesia dalam mengatasi hal tersebut dengan membuat roadmap making Indonesia 4.0. Salah satu langkah inisiatif dalam roadmap making Indonesia 4.0 adalah pemberdayaan usaha kecil, mikro, dan menengah (UMKM) dan insentif dalam inovasi atau penggunaan teknologi. Namun, UMKM mengalami beberapa hambatan salah satunya adalah kurangnya sumber dana dan penggunaan teknologi. Hal ini membuat pelaku UMKM harus menghasilkan inovasi baru agar bisa memenuhi tuntutan pasar. Inovasi tersebut diwujudkan dengan penggunaan financial technology (fintech). Penggunaan fintech memiliki beberapa aspek yang menjadi pertimbangan bagi UMKM, salah satunya adalah pada aspek technology-organization-environment (TOE). Tujuan penelitian ini adalah mengidentifikasi faktor yang paling signifikan berdasarkan aspek TOE dalam penggunaan financial technology dan pengaruh financial technology terhadap financial inclusion UMKM Kabupaten Karawang menggunakan metode SEM-PLS dengan 100 responden pelaku UMKM sebagai sampel. Hasil penelitian ini menunjukkan bahwa aspek TOE yang dilihat dari perceived direct benefit mempengaruhi financial technology (0.152). Sedangkan perceived indirect benefit, perceived cost, perceived technical competence, perceived industry pressure, dan perceived government pressure tidak memiliki pengaruh dalam financial technology (0.277; 0.174; 0.261; 0.225; 0.035), dan financial technology mempengaruhi financial inclusion (0.727). Berdasarkan hasil penelitian ini didapatkan bahwa faktor yang signifikan dalam aspek TOE yang mempengaruhi penggunaan financial technology adalah perceived direct benefit, dimana menurut responden pada penelitian ini merasakan manfaat langsung dari penggunaan financial technology dan semakin tinggi pengguna financial technology sebanding dengan financial inclusion UMKM.Abstract— The beginning of Industry 4.0 was marked by the transition to intelligence engineering and the internet of things. Industry 4.0 is predicted to have great potential benefits, but it keeps various negative impacts, one of which is disturbed by job challenges that make competition tighter. The steps of the Government of Indonesia in overcoming this matter by making a road map to make Indonesia 4.0. One of the steps in developing a road map for Indonesia 4.0 is the empowerment of small, micro and medium enterprises (MSMEs) and incentives for innovation or technology use. However, MSME uses several solutions, one of which uses funding sources and the use of technology. This makes SMEs must get new innovations in order to get market praise. The innovation is realized by using financial technology (fintech). The use of fintech has several aspects that are considered by MSMEs, one of which is in the aspect of technology-organization-environment (TOE). The purpose of this study is the comparison of the most significant factors based on aspects of TOE in the use of financial technology and financial technology on MSME financial inclusion in Karawang Regency using the SEM-PLS method with 100 respondents using MSME as a sample. The results of this study indicate that the aspect of TOE as seen from the direct benefits felt affects financial technology (0.152). Whereas perceived indirect benefits, perceived costs, perceived technical competence, perceived industry pressure, and perceived government pressure have no influence in financial technology (0.277; 0.174; 0.261; 0.225; 0.035), and financial technology affects financial inclusion (0.727). Based on the results of this study, it was found that a significant factor in the aspect of TOE that influenced the use of financial technology felt direct benefits, where according to respondents in this study the direct benefits of using financial technology and the higher financial technology users were comparable to MSME financial inclusion.

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SOZAEVA, F. Kh. "FRAGMENTATION OF GLOBAL FINANCIAL MARKETS IN THE CONTEXT OF FINANCIAL STABILITY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2, no. 4 (2021): 118–26. http://dx.doi.org/10.36871/ek.up.p.r.2021.04.02.016.

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This article examines the degree of fragmentation in various markets and classifies its possible causes. The definitions of fragmentation presented: price measures – differences in prices for equivalent assets in different countries; and quantitative measures – deviations from benchmarks in international investment positions. The costs and benefits of fragmentation examined from a financial stability perspective, drawing on the experience of the securities market, international banking and asset prices. It is concluded that the fragmentation of financial markets and financial stability complement each other. In some cases, some degree of fragmentation actually contributes to improved financial stability. However, assessing the trade-offs between market fragmentation and financial stability requires identifying the causes of fragmentation and conducting a thorough cost-benefit analysis.

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Daugherty, C. K., F. J. Hlubocky, S. Gray, and M. J. Ratain. "Patients involved in clinical research are more concerned about intrinsic and traditional research (“publish or perish”) conflicts of interests (COI) than potential financial conflicts: Results of interviews with advanced cancer patients enrolling in phase I trials." Journal of Clinical Oncology 24, no. 18_suppl (June 20, 2006): 6008. http://dx.doi.org/10.1200/jco.2006.24.18_suppl.6008.

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6008 Background: Concerns exist about the potential for financial COI to bias the design, conduct, analysis, and reporting of clinical trials. However, information is lacking about the perceptions of these COI among actual research subjects—both in general and relative to more intrinsic and traditional research COI. Methods: Using a standardized survey, cancer patients (pts) were asked closed-ended and semi-qualitative questions regarding their concerns about extrinsic, e.g., financial, and intrinsic, e.g. career advancement, COI. Results: To date, 120 pts either enrolled, or being evaluated for participation, in phase I trials have been approached for an interview with 96 completing the interview (80% response rate). Median age of respondents is 61 y (33–82); 55% male; 83% Ca, 10% AA, 2% AsA or HA; 38% college educated. 91%, 100%, and 94% thought that the involved investigators (MDs), drug companies, and hospitals benefited from a clinical trial respectively. The benefits cited for MDs was improvement in knowledge/ability to treat pts. The benefits cited for the hospital and drug company were described as prestige and financial. 38% would be concerned if an MD involved in a clinical trial receives financial benefit from the research, e.g., being a paid consultant or owning stock in company involved in a trial, and 43% thought that they should be informed of these potential benefits. 64% thought they should be concerned if an MD receives career advancement benefits from trial participation, and 69% thought they should be informed of this benefit. 45% thought that investigators might feel institutional pressure to enroll pts. Qualitative data revealed that pts’ lack of concern about financial COI related to their assumption that MDs already receive financial benefits-believing this to be acceptable-with some even encouraging it. Conclusions: Cancer pts were more concerned about intrinsic and traditional research COI than potential financial COI. As well, many assume that MDs receive financial benefits from research. These results may be helpful when considering COI management policies. No significant financial relationships to disclose.

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Xiao, Jing Jian, and Nilton Porto. "Financial education and financial satisfaction." International Journal of Bank Marketing 35, no. 5 (July 3, 2017): 805–17. http://dx.doi.org/10.1108/ijbm-01-2016-0009.

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Purpose The purpose of this paper is to investigate roles of financial literacy, financial behavior, and financial capability as mediating factors between financial education and financial satisfaction. Design/methodology/approach Data are from the 2012 National Financial Capability Study, a large national data set with detailed information on financial satisfaction, education, literacy, behavior, capability, and related variables. Mediation analyses are used to answer research questions. Findings Financial education may affect financial satisfaction, a subjective measure of financial well-being, through financial literacy, financial behavior, and financial capability variables. Results show that subjective financial literacy, desirable financial behavior and a financial capability index (a sum of Z-scores of objective financial literacy, subjective financial literacy, desirable financial behavior, and perceived financial capability) are strong mediators between financial education and financial satisfaction. Research limitations/implications The study has used cross sectional data that can only document associations between financial education and satisfaction and the mediators between them. Future research could use relevant longitudinal data to verify multiple benefits of financial education. Practical implications The findings have implications for financial service professionals to take advantages of multiple benefits of financial education in content acquisition, confidence in knowledge and ability, and action taking when they communicate with their clients. Social implications Policy makers on consumer financial education may use the information to advocate and promote effective education programs to improve consumer financial well-being. Originality/value This study is the first of this kind to examine the association between financial education and financial satisfaction and several financial capability variables as mediating factors.

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Buszko, Michal. "Relative financial benefits of Swiss Franc and Euro-denominated mortgage loans in Poland." Perspectives of Innovations, Economics and Business 16, no. 1 (April 23, 2016): 37–54. http://dx.doi.org/10.15208/pieb.2016.04.

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Adha, Mufti Alam, Rofiul Wahyudi, and Faiza Husnayeni Nahar. "Pengaruh Program Loyalitas terhadap Kesetiaan Konsumen pada Industri Halal di Yogyakarta." Ihtifaz: Journal of Islamic Economics, Finance, and Banking 1, no. 1 (December 17, 2018): 69. http://dx.doi.org/10.12928/ijiefb.v1i1.287.

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This study aims to examine the effect of perceived benefits of loyalty programs, which include: financial benefits, social benefits, hedonic benefits, symbolic benefits of loyalty programs in the Halal Industry. This study also examined the effect of loyalty programs on brand loyalty. This research was conducted using a quantitative approach, namely by conducting surveys, online with a sample of 200 respondents. The data in this study were processed using the Structural Equation Modeling (SEM) analysis version 21. The results showed that the financial benefit variables, social benefits, symbolic benefits had a significant positive effect on loyalty programs. While the hedonic variable on loyalty programs shows a negative relationship. This study also confirms the significant positive effect of the loyalty program on brand loyalty.

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Malkhaz Gvichia, Malkhaz Gvichia, and Lali Kharbedia Lali Kharbedia. "Benefits and Problems of Outsourcing Services." Economics 105, no. 1-2 (February 7, 2022): 117–25. http://dx.doi.org/10.36962/ecs105/1-2/2022-117.

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In the work “Benefits and Problems of Outsourcing Services” are reviewed the certain positive and negative sides of outsourcing company’s separate functions such as delegating legal services, financial and accounting services, human resources to other third parties. Special attention is paid to outsourcing financial and accounting services such as: withdrawal of receivables, Internal audit, tax reports, financial reports, moreover, transaction processing and cash flow management. It is mentioned that this kind of operations does not have strategical importance for the company and it is possible to outsource these services to other parties. The work gives positive and negative influence of outsourcing for each separate field. Based on the reviews the findings are made in regard the benefits of outsourcing and the problems it may cause. Keywords: Legal outsourcing, financial and accounting outsourcing, transaction processing and cash flow management.

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McNally, Bridget, Anne M. Garvey, and Thomas O’Connor. "Valuation of defined benefit pension schemes in IAS 19 employee benefits - true and fair?" Journal of Financial Regulation and Compliance 27, no. 1 (February 11, 2019): 31–42. http://dx.doi.org/10.1108/jfrc-03-2018-0048.

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PurposeThis paper aims to argue that the accounting standards’ requirements for the valuation of defined benefit pension schemes in the financial statements of scheme sponsoring companies potentially produce an artificial result which is at odds with the “faithful representation” and “relevance” objectives of these standards.Design/methodology/approachThe approach is a theoretical analysis of the relevant reporting standards with the use of a practical example to demonstrate the impact where trustees adopt a hedged approach to portfolio investment.FindingsWhere a pension fund engages in asset liability matching and invests in “risk-free” assets, the term, quantity and duration/maturity of which is intended to match some or all of its scheme liabilities, the required accounting treatment potentially results in the sponsoring company’s financial statements reporting fluctuating surpluses or deficits each year which are potentially ill informed and misleading.Originality/valuePension scheme surpluses or deficits reported in the financial statements of listed companies are potentially very significant numbers; however, the dangers posed by theoretical nature of the calculation have largely gone unreported.

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Selimović, Jasmina, and Benina Veledar. "IMPACT OF IAS 19 ACTUARIAL CALCULATIONS’ ON FINANCIAL PERFORMANCE: EVIDENCE FROM PUBLIC ENTERPRISES IN FEDERATION OF BOSNIA AND HERZEGOVINA." Ekonomska misao i praksa 30, no. 1 (June 2021): 267–83. http://dx.doi.org/10.17818/emip/2021/1.13.

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International Accounting Standard 19 - Employee Benefits outlines the accounting requirements for employee benefits, including short-term benefits, post-employment benefits, other long-term benefits and termination benefits. The standard establishes the principle that the cost of providing employee benefits should be recognized in the period in which the benefit is earned by the employee, rather than when it is paid or payable, and outlines how each category of employee benefits is measured. Aim of the paper is to determine the degree of IAS 19 implementation in Federation of Bosnia and Herzegovina, and its impact on financial performance of public enterprises. Since no significant negative impact of the implementation of IAS 19 on the financial performance has been proven, it could be recommended that the observed entities consider all its advantages and thus realize the potential benefits for both, the company and the employees.

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FRIEDEN, JOYCE. "Financial Benefits of Medicaid Managed Care Appear Elusive." Clinical Psychiatry News 33, no. 2 (February 2005): 88. http://dx.doi.org/10.1016/s0270-6644(05)70748-7.

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Goyal, Ashima, and Subrata Sarkar. "The benefits and costs of financial market liberalization." Macroeconomics and Finance in Emerging Market Economies 7, no. 2 (July 3, 2014): 205–7. http://dx.doi.org/10.1080/17520843.2014.930246.

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Brown, Philip. "International Financial Reporting Standards: what are the benefits?" Accounting and Business Research 41, no. 3 (August 2011): 269–85. http://dx.doi.org/10.1080/00014788.2011.569054.

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Swanson, Richard A., and Catherine M. Sleezer. "Determining Financial Benefits of an Organization Development Program." Performance Improvement Quarterly 2, no. 1 (October 22, 2008): 55–65. http://dx.doi.org/10.1111/j.1937-8327.1989.tb00393.x.

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Harrigan, Kathryn Rudie, and Yunzhe Fang. "The financial benefits of persistently high forward citations." Journal of Technology Transfer 45, no. 2 (February 18, 2019): 619–47. http://dx.doi.org/10.1007/s10961-019-09718-z.

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Van Holt, Tracy, Martin Delaroche, Ulrich Atz, and Kevin Eckerle. "Financial benefits of reimagined, sustainable, agrifood supply networks." Journal of International Business Policy 4, no. 1 (February 26, 2021): 102–18. http://dx.doi.org/10.1057/s42214-020-00096-0.

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