Journal articles: 'Funds transfer'

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Assalmani, M. N. B. Asyhar. "Corporate Criminal Liability in Indonesian Law Concerning Fund Transfer." Research Horizon 1, no. 6 (December 30, 2021): 229–36. http://dx.doi.org/10.54518/rh.1.6.2021.229-236.

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Fund transfers can now be done virtually. Innovations in fund transfers have not only positive but also negative impacts. Legal protection is needed so that there is legal certainty for the community in carrying out fund transfer activities. Law No. 3 of 2011 concerning Funds Transfer is a statutory regulation that was passed to provide such protection. This paper aims to describe the corporate criminal liability in Indonesian law concerning fund transfer. One arrangement that is different from the general provisions of the Criminal Code is related to the subject of criminal law. The Funds Transfer Law expands the subject of criminal law, namely not only humans but also corporations. Unfortunately, the expansion of the subject of criminal law in the Funds Transfer Law is not accompanied by the existence of a new type of crime. The absence of new crimes in the Funds Transfer Law can be used by corporations to not carry out court decisions.

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Dharma, Anak Agung Bagus Ari Satya, Anak Agung Sagung Laksmi Dewi, and Ni Made Puspasutari Ujianti. "Akibat Hukum Terjadinya Salah Transfer Dana Perbankan." Jurnal Konstruksi Hukum 3, no. 2 (March 29, 2022): 420–25. http://dx.doi.org/10.55637/jkh.3.2.4849.420-425.

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In this era of globalization, everyone is certainly no stranger to fund transfer activities. Transfer of funds is very helpful in community activities, but with the convenience of the facilities provided by the bank, of course there are risks, such as errors in transferring funds. The purpose of this research is to determine the legal knowledge of banking fund transfers and to discuss the legal consequences of errors in bank fund transfers. This research is a normative legal research supported by primary and secondary legal materials. The data collection technique in this research is to record and document. The data analysis technique is to examine books, literature and electronic media related to this research. The results of the reserach explain that UUTD no. 3 of 2011 in Article 1 point 1 regulates the definition of transfer or transfer of funds, namely an activity of transferring funds of a certain amount by the original sender to the recipient who has been mentioned in the order for the transfer of funds until it is received. And based on Article 1360 of the Civil Code, which states: "Whoever knowingly or not, receives something that does not have to be paid to him, must return it to the person who gave it". So that according to civil law, a person is obliged to return funds that are not his right from the results of an error in transferring funds that occur with a note that the bank must be able to clearly prove that the funds are not intended for the person concerned.

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Marumoagae, Clement. "Retirement Funds Rivalry, Voluntary Withdrawal of Membership, and Transfer of Assets During the Period of Employment." South African Mercantile Law Journal 32, no. 2 (2020): 205–33. http://dx.doi.org/10.47348/samlj/v32/i2a2.

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In Municipal Employees Pension Fund v Natal Joint Municipal Pension Fund (Superannuation) & others [2016] 4 All SA 761 (SCA) para 2, Theron JA described the competition for members by different retirement funds associated with the same employer as a ‘turf war’. The Office of the Pension Funds Adjudicator and the South African courts are continually required to adjudicate disputes that arise when retirement funds wrestle each other for members. This article shows that the Pension Funds Act 24 of 1956 does not provide the necessary legal framework that can assist courts to resolve these disputes, which usually turn on the interpretation of individual retirement funds’ rules that are often ambiguous. Further, there is no legislative provision that adequately deals with the circumstances where actively employed members voluntarily initiate a process that will lead to their fund credits being transferred to rival retirement funds. It argues that there is a need for legislative clarity on how voluntary transfer of fund credits impact on the membership of retirement funds, particularly given the fact that, strictly speaking, members cannot be transferred from one fund to the next, whereas their fund credits can, in terms of section 14 of the PFA. Since members cannot be transferred, this article evaluates whether it is sound in law for actively employed employees to remain members of one fund but contribute to a rival fund.

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Sai, D. Venkata, A. Yeshwanth Sai, E. Koti Reddy, and K. Suresh Babu. "Funds Transfer Using Blockchain." International Journal of Computer Sciences and Engineering 7, no. 3 (March 31, 2019): 76–79. http://dx.doi.org/10.26438/ijcse/v7i3.7679.

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Henderson, Ian. "Electronic funds transfer fraud." Computer Fraud & Security 2003, no. 12 (December 2003): 6–9. http://dx.doi.org/10.1016/s1361-3723(03)00006-x.

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Devianti, Army, and Dewi Zaini Putri. "Pengaruh Transfer Pemerintah Pusat terhadap Tax Effort Kabupaten/Kota di Provinsi Sumatera Barat." Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan 10, no. 2 (November 9, 2021): 91. http://dx.doi.org/10.24036/ecosains.11563757.00.

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This study aims to estimate and explain the effect of government transfers on District/City Tax Effort in West Sumatra Province during the period 2012-2019. This type of research is quantitative research using secondary data with Panel Regression analysis model to analyze the effect of government transfers in the form of general allocation funds, profit sharing funds and special allocation funds on Tax Effort . The estimation results show that the General Allocation Fund, Revenue Sharing Fund and Special Allocation Fund have an effect on the growth of Regency/City Tax Effort in West Sumatra Province.

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Lima, Diana Vaz de, and André Carlos Busanelli de Aquino. "Financial resilience of municipal civil servants’ pension funds." Revista Contabilidade & Finanças 30, no. 81 (December 2019): 425–45. http://dx.doi.org/10.1590/1808-057x201908810.

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ABSTRACT The objective of this study was to analyze the responses and the repetitive pattern of financial resilience which emerge within the civil servants’ pension funds (RPPS, in Portuguese) of local governments in Brazil. The analysis extends the traditional financial resilience approach discussing the emergence of vulnerability from the sponsor and RPPS interaction, often stimulated by the lock-in effect from the federal regulation, which constrains the space for transformative responses. Financial resilience is a concern usually applied to governments’ response to crises, but not for pension funds. However, the long-term objective of such funds when juxtaposed to short-term pressures conduce a paradoxical standpoint for fund’s managers absorbing the pressures. The impact of this article to the pension funds and the regulatory field is the proposition that the growing vulnerability of RPPS regimes comes from the insufficient governance belt protecting them, which would be a necessary and applicable remedy to any pension funds reform the country decides to take . It was applied a sequential mixed-method approach, starting by interviews with fund managers, actuarial consultants and representatives of the Ministry of Finance's Pension Secretariat (SPREV), to identify the usual responses to emerging financial pressures which affect the funds’ financial performance. Secondly, four from the identified typical responses were selected and analyzed through financial and accounting data to detect the response for about 1,8 thousand funds from 2014 to 2016. Based on the frequency of the adopted responses by each fund, it was proposed a recurrent financial resilience pattern, and how the managers’ responses vary according to the vulnerability provoked by the City Hall’s decisions. It was observed that the City Halls accommodate budgetary pressures failing to transfer or downsizing the contributions to the fund, increasing the fund’s vulnerability. The managers consequently respond subjoining the reserves to pay pensioners, reinforcing the fund’s vulnerability. Such response is a weak resilience pattern, which reinforces the funds’ vulnerability due to governance gaps and the lock-in effect proposed by Pike, Dawley & Tomaney (2010), which constrains the local agents’ capacity to perceive and find solutions more transformative and actives looking for financial sustainability.

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Tanaka, Yoshiaki, Minoru Akiyama, and Takanori Uchida. "Untraceable electronic funds transfer systems." Electronics and Communications in Japan (Part III: Fundamental Electronic Science) 72, no. 9 (1989): 47–55. http://dx.doi.org/10.1002/ecjc.4430720905.

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Yusuf, Muhammad Afrizal, and Arif Afendi. "The effect of transfer funds to regions and village funds on human development index in districts of west java province in 2015-2018." Journal of Islamic Accounting and Finance Research 2, no. 2 (December 11, 2020): 153. http://dx.doi.org/10.21580/jiafr.2020.2.2.6360.

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Purpose - This research aims to analyze the influence of the Revenue Sharing Fund, General Allocation Fund, Special Allocation Fund, and Village Fund on the level of Human Development Index in 18 Districts in West Java Province in 2015-2018.Method - The data used in this study were secondary. The Revenue Sharing Fund, General Allocation Fund, Special Allocation Fund, and Village Fund are obtained from the Central Government Financial Report from the Ministry of Finance. Meanwhile, the human development index data were obtained from the Central Bureau of Statistics (BPS). The data were analyzed using multiple linear regressions. Result - The results showed that the revenue sharing fund had a positive and significant effect on the Human Development Index, the general allocation fund had a negative and significant effect on the human development index, the special allocation fund had a positive but insignificant effect on the human development index, while the village fund had a negative and insignificant effect on the human development index.Implication - This study provides information that in the implementation of effective transfers of funds in the process of receiving or transferring funds from provinces to regions, certainty and clarity regarding expenditure burdens or authority is needed which is a prerequisite for the successful implementation of fiscal decentralization policies through fund transfers so that an increase in the human development index can be achieved.Originality - By using secondary data from a sample of districts and cities in West Java, this study illustrates how the influence of Transfer Funds to Regions and Village Funds in increasing the Human Development Index.

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Rasetlola, Tshepiso Tshiamo. "The need to address the challenges regarding the transfer of assets between occupational retirement funds operating in the municipal sector." Journal of Corporate and Commercial Law & Practice 7, no. 1 (2021): 80–103. http://dx.doi.org/10.47348/jccl/v7/i1a4.

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There are several industries where employers participate in more than one retirement fund, such as the municipal sector. Retirement funds that operate in such industries continually try to increase their membership leading to fierce competition for members. They often use their rules to attract new members while ensuring that they do not lose members who are currently paying contributions to them. These rules usually link membership of funds with the tenure of employment with participating employers. This article examines the legal framework that regulates the rivalry between retirement funds that operate within the same sector or are linked to the same employer. It assesses whether employees’ rights to freely associate with the retirement fund of their own is limited by retirement funds’ rules that ‘lock’ them into retirement funds that they joined upon their employment. This article highlights that the current legislation does not adequately deal with the voluntary transfer of assets between rival funds at the instance of the member. This article argues for the establishment of a legal framework that will adequately regulate the rivalry relating to retirement funds’ membership in sectors where the employer can participate in more than one retirement fund.

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Dwimurti, Bangun Seto. "TRANSFER DANA BEDA BANK TANPA BIAYA ADMINISTRASI MELALUI APLIKASI FLIP DALAM TINJAUAN ETIKA BISNIS ISLAM." Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi 2, no. 2 (September 28, 2020): 1–15. http://dx.doi.org/10.22515/alhakim.v2i2.2793.

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ABSTRAKTechnological development is able to break the old way (disruption) by combining technology and modern finance. The emergence of financial technology or can be called financial technology. Financial Technology is the use of technology in a financial system that produces new products, services, technology and / or business models and can have an impact on monetary stability, financial system stability, and / or the efficiency, smoothness, security and reliability of payment systems. One of the start-ups of financial technology that emerged in the field of fund transfer is Flip. Flip gave rise to new innovations in the field of fund transfers in the form of applications as intermediaries to free the burden of administrative costs that apply to banks. The purpose of this study was to determine the implementation of financial technology transfer of different bank funds without administrative costs through the Flip application and to find out an overview of Islamic business ethics of the transfer of different bank funds without administrative costs through the Flip application. From this study the researchers found the results that the implementation of different bank fund transfers without administrative costs through the Flip application have not fully met the criteria in PBI No. 19 / 12 / PBI / 2017 regarding the Implementation of Financial Technology and Flip has not provided consumer protection if an error occurs due to Flip continues the transfer of funds to the destination account, and there is still business behavior that is not recommended by Islam. Among them are the two processes and a longer time in implementing the transfer of different bank funds without administrative costs and the still unclear (gharÄr) with the unique code given by Flip and the tyranny in business ventures between startups based on fund transfers.Keywords: Flip Applications; Implementation of Financial Technology; Islamic Business Ethics.Â ABSTRAKPerkembangan teknologi mampu mendobrak cara lama (disruption) dengan memadukan teknologi dan keuangan modern. Munculah teknologi keuangan atau bisa disebut teknologi finansial. Teknologi Finansial adalah penggunaan teknologi dalam sistem keuangan yang menghasilkan produk, layanan, teknologi, dan/atau model bisnis baru serta dapat berdampak pada stabilitas moneter, stabilitas sistem keuangan, dan/atau efisiensi, kelancaran, keamanan, dan keandalan sistem pembayaran. Salah satu start-up teknologi finansial yang muncul pada bidang transfer dana yaitu Flip. Flip memunculkan inovasi baru dalam bidang transfer dana berupa aplikasi sebagai perantara untuk membebaskan beban biaya administrasi yang berlaku pada bank. Tujuan dilakukan penelitian ini adalah untuk mengetahui penyelenggaraan teknologi finansial transfer dana beda bank tanpa biaya administrasi melalui aplikasi Flip dan untuk mengetahui tinjauan etika bisnis Islam terhadap transfer dana beda bank tanpa biaya administrasi melalui aplikasi Flip. Dari penelitian ini peneliti menemukan hasil bahwa pelaksanaan transfer dana beda bank tanpa biaya administrasi melalui aplikasi Flip belum sepenuhnya sesuai dengan kriteria dalam PBI No.19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial dan Flip belum memberikan perlindungan konsumen apabila terjadi kesalahan yang diakibatkan oleh Flip dalam meneruskan transfer dana ke rekening tujuan, serta masih terdapat perilaku bisnis yang tidak dianjurkan oleh Islam. Di antaranya adanya dua kali proses serta waktu yang lebih lama dalam pelaksanaan transfer dana beda bank tanpa biaya administrasi dan masih adanya ketidak jelasan (gharÄr) dengan adanya kode unik yang diberikan Flip serta adanya kezaliman dalam usaha bisnis antar startup berbasis transfer dana.Kata kunci: Aplikasi Flip; Etika Bisnis Islam; Penyelenggaraan Teknologi Finansial.

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12

Cho, George. "Electronic funds transfer: new legal issues?" International Journal of Technology Policy and Law 1, no. 2 (2012): 168. http://dx.doi.org/10.1504/ijtpl.2012.050215.

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Siti Widya and Selvi Nur Fitriah. "Analisis Fikih Muamalah Terhadap Transaksi Transfer Dana Antar Bank Melalui Aplikasi Flip." Al-Mizan : Jurnal Hukum dan Ekonomi Islam 5, no. 2 (December 3, 2021): 42–61. http://dx.doi.org/10.33511/almizan.v5n2.42-61.

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This study aims to analyze: first, the practice of transferring funds between banks through the Flip application, second, the fiqh muamalah analysis of interbank transfer transactions through the Flip application. The research method used in this research is field research with a qualitative approach. The results of this study indicate that: First, the practice of transferring funds between banks through the Flip application has been properly implemented using a wakalah contract, the mechanism used for transferring funds is by filling in transfer request data, transferring a nominal amount that you want to send plus a unique code to the account. Flip bank is the same as the user's bank, the user does not object to the addition of a unique code, the user is willing to add a unique code because the nominal unique code is smaller than conventional administration fees. Second, the fiqh muamalah analysis related to the law of interbank fund transfer transactions is permissible because it has avoided usury, maisir, gharar, tadlis transactions and there are benefits to ease transfer transactions between different banks.

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Mulawardhana, Rengga Aditya, and Go Lisanawati. "Tindak Pidana Terkait Akses Akun Mobile Banking dengan Mengaktifkan Kembali Simcard yang Sudah Tidak Aktif." JURNAL YUSTIKA: MEDIA HUKUM DAN KEADILAN 23, no. 02 (December 18, 2020): 77–89. http://dx.doi.org/10.24123/yustika.v23i02.3057.

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Criminal activities related to the use of the internet (cyber crime) are growing rapidly in Indonesia with various modes. This article aims to analyze one of the cases that has occurred regarding illegal access to fund transfers based on normative juridical methods. The action being studied was access to a mobile bank account using an inactive card to transfer funds. Based on this mode, two violations occurred in 2 (two) laws as well as Law Number 11 of 2008 concerning Information and Electronic Transactions and Law Number 3 of 2011 concerning Fund Transfers. The result of this research is that perpetrators with mobile banking account access mode by using an inactive card and transferring funds can fulfill the criminal elements according to the provisions of Article 30 paragraph (3) of Law Number 11 of 2008 concerning Electronic Information and Transactions, and can subject to criminal penalties according to Article 46 paragraph (3) of Law Number 11 of 2008 concerning Electronic Information and Transactions, and also fulfills criminal elements according to the criminal provisions of Article 81 of Law Number 3 of 2011 concerning Fund Transfers.

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Candrianto, Radna Ningsih2, and Egy Juniardi. "Waste Management Financing Model Through Utilization of Village Funds." International Journal of Entrepreneurship and Business Management 1, no. 1 (May 31, 2022): 64–75. http://dx.doi.org/10.54099/ijebm.v1i1.123.

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This research is to create a model for the use of village funds for waste management, using the cost sharing method, namely the distribution of financing between the Padang Pariaman Regency APBD and the Village Fund as a transfer from the APBN. The survey method and literature for data collection in this study used village fund documents, district APBN funds, where respondents were asked to provide their responses to the management of village funds in waste management. Compilation of the concept of calculating waste management activities using activity based costing (ABC), dividing waste management financing through village fund financing is used to create a waste management financing model for Lubuk Alung sub-district to analyze the hypothetical relationship in the research model,

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Herlani, Ahmad Fajar. "BANK CUSTOMER PROTECTION BASED ON HIGH-LEVEL PRINCIPLE ASPECT ON FINANCIAL CONSUMER PROTECTION (G20 PARIS 2011)." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 12, no. 1 (June 30, 2020): 23–32. http://dx.doi.org/10.20414/mu.v12i1.2055.

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This writing discusses the protection of customers who experience delays and errors in electronic funds transfers caused by damage or interference from the bank. In this case, the bank experiences an inability to provide data access (availability of data) which should have been accessed by the customer for 24 hours. In providing access to customer protection data, it covers two aspects that must be considered, namely if the failure of the transfer occurs when the customer has not made an acceptance of the transfer (experiencing non-availability of data), then the customer has the right to complain to the bank. But if the transfer failure occurs when the customer has made an acceptance caused by natural disasters, danger, riots, armed conflicts, and/or other emergencies determined by the government that occurs in the area or location of the Original Sending Operator that is carrying out fund transfer orders, damage to electronic or non-electronic infrastructure systems that directly affect the implementation of Fund Transfer Orders that cannot be controlled by the Originator, the failure of the clearing system or the Fund Transfer System. Then the original sender is responsible to the original sender.

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Zinov, V. G., and O. A. Yeremchenko. "Corporate venture capital investments: features and successful practices." Economics of Science 5, no. 3 (October 13, 2019): 170–84. http://dx.doi.org/10.22394/2410-132x-2019-5-3-170-184.

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The review of domestic and foreign publications presents successful practices of corporate venture investment, which allow to clarify sustainability criteria and requirements for achieving stable functioning of corporate funds. It is shown that the coherence of the fund’s goals with the goals of the parent company, continuity of operation, continuity in relation to strategy, investment focus and the main team, as well as financial stability, which allows us to be a stable partner to portfolio companies throughout their entire life cycle, are of fundamental importance. It is emphasized that corporate venture investments are not an instrument of financial speculation, and the parent company needs the created venture fund, first, as an instrument for search, development, transfer of technologies, products and customers. The main differences between corporate and so-called independent venture capital funds, reflecting various goals, areas of activity, sources of financing, legal status, management remuneration systems and accountability, are examined.

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Cherkes, Martin, Jacob S. Sagi, and Z. Jay Wang. "Managed Distribution Policies in Closed-End Funds and Shareholder Activism." Journal of Financial and Quantitative Analysis 49, no. 5-6 (December 2014): 1311–37. http://dx.doi.org/10.1017/s0022109014000544.

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AbstractIn closed-end funds, a managed distribution policy (MDP) is a dividend commitment potentially requiring the liquidation of assets. We argue that MDPs lower managerial claims on fund assets and, when the fund is at a discount, increase shareholder value. This transfer of wealth can be rationalized by managers wishing to deter a challenge from activist shareholders through a costly proxy vote. We find strong empirical evidence that managers respond to the presence of activists using MDPs, that MDPs constitute an effective wealth transfer to shareholders, and that activists are less likely to challenge management when an MDP is in place.

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Zainul, Zaida Rizqi, and Khairannis Khairannis. "ANALISIS PENGELOLAAN DANA HAJI PADA PT. BANK ACEH SYARIAH." Equilibrium: Jurnal Ekonomi Syariah 7, no. 2 (October 19, 2019): 240. http://dx.doi.org/10.21043/equilibrium.v7i2.5757.

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Since the transfer of hajj funds from the Ministry of Religion to BPKH, BPKH has managed haj funds, one of which is by placing on Islamic bank products. The Islamic banks selected as managers and recipients of Hajj fund deposits are 31 Islamic banks. One of them is Bank Aceh Syariah. This study aims to determine the management of Hajj funds in Bank Aceh Syariah. The method used is descriptive analysis with a qualitative approach. The results of this study indicate that the management of Hajj funds at PT. Bank Aceh Syariah uses the wadiah yad dhamanah contract. Hajj funds at Bank Aceh Syariah are channeled to financing products so that they can be useful to increase profitability and maintain the liquidity of Aceh's banks. In addition, pilgrims also benefit in the form of returns from the management of the pilgrimage fund which is used to subsidize the pilgrimage departure funds of pilgrims.

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Lee, Chang-Woon. "A study on the Electronic Funds Transfer." Korea Financial Law Association 12, no. 1 (April 30, 2015): 265–322. http://dx.doi.org/10.15692/kjfl.12.1.9.

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Rupp, William T., and Alan D. Smith. "Electronic Funds Transfer in Faith-Based Organizations." Journal of Ministry Marketing & Management 7, no. 2 (August 2002): 21–33. http://dx.doi.org/10.1300/j093v07n02_02.

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Tumasyan, Hovik. "RAPM, funds transfer pricing and risk capital." International Journal of Services Sciences 2, no. 1 (2009): 83. http://dx.doi.org/10.1504/ijssci.2009.021963.

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Brown, Brandon. "Audit and Control of Electronic Funds Transfer." EDPACS 23, no. 10 (April 1996): 1–6. http://dx.doi.org/10.1080/07366989609451384.

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Lewis, Jacqueline. "The DOCLINE Electronic Funds Transfer System (EFTS)." Journal of Interlibrary Loan,Document Delivery & Electronic Reserve 17, no. 3 (August 1, 2007): 75–83. http://dx.doi.org/10.1300/j474v17n03_11.

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Araújo, Carlos, Paulo Maciel, Armin Zimmermann, Ermeson Andrade, Erica Sousa, Gustavo Callou, and Paulo Cunha. "Performability modeling of electronic funds transfer systems." Computing 91, no. 4 (October 13, 2010): 315–34. http://dx.doi.org/10.1007/s00607-010-0121-0.

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Zytnick, Michael, and Alaina Gimbert. "Considering Sanctions Compliance in Light of UCC 4A." Michigan Business & Entrepreneurial Law Review, no. 10.2 (2021): 197. http://dx.doi.org/10.36639/mbelr.10.2.considering.

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As part of a bank’s financial crime compliance program, it is increasingly common to screen and halt the processing of a payment order for compliance investigation where reference is made to a potential, but unconfirmed, target of United States economic sanctions. This essay discusses challenges under Article 4A of the Uniform Commercial Code concerning the timing of such an investigation and the creation of potential liability where a bank wrongly accepts by execution a previously halted payment order received from a sender following five funds transfer business days after the relevant execution date or payment date of that order. In Part II, this paper presents a brief overview of the use of funds transfers in the United States and reviews the application of Article 4A of the Uniform Commercial Code, including rejection, acceptance, cancellation, and amendment of a payment order. In Part III, the paper overviews United States economic sanctions, the implementation by banks of technology designed to identify and halt the processing of a payment order referencing a potential sanctions target, and the timeframe that may be required to investigate a halted payment order. In Part IV, the paper reviews application of Article 4A’s automatic cancellation and “money back guarantee” provisions where a payment order under its purview is wrongly effected and loss allocation between funds transfer parties for such events. Part V describes possible contractual and legislative changes to address the balance of Article 4A’s automatic cancellation of an unaccepted payment order after five funds transfer business days, sanctions compliance efforts undertaken by banks, and the policy goal of completing funds transfers efficiently.

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Fathiyah, Iskandar Nasution, Bambang Niko Pasla, and Fahmi Rasid. "Ratio Analysis of Regional Dependence and Independence in Measuring the Regional Financial Capability of the Jambi Provincial Government." Jurnal Prajaiswara 3, no. 1 (June 28, 2022): 65–74. http://dx.doi.org/10.55351/jp.v3i1.43.

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Introduction/Main Objectives: This study aims to analyze the ratio of regional dependence and independence in measuring the financial capacity of the Jambi Provincial Government for the 2016–2020 Fiscal Year. Background Problems: How big is the ratio of the contribution of Regional Original Revenue (PAD) to transfer funds from the center in the Jambi Provincial Government APBD in funding development financing for 2016-2020? Research Methods: The research is quantitative using secondary data in the form of Regional Original Income and transfers funds from the Jambi Province Government Budget Realization Report for the 2016 - 2020 Fiscal Year. Finding/Results: Based on the results of the ratio analysis, the degree of financial dependence of the Jambi Provincial Government in the 2016 - 2020 fiscal year is classified as moderate, with an average overall ratio of 63.60%, meaning that the Jambi Provincial Government in carrying out development financing is still dependent on transfer funds from the center. Meanwhile, the degree of regional financial independence is also classified as moderate/participatory with an average overall ratio of 57.13% Conclusion: The contribution of regional Original Revenue in funding development financing cannot be fully relied upon and still relies on transfer funds from the center.

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Zhou, Wei, and Weidong Fu. "Can Transfer Payment Reduce the Inequality of Compulsory Education in Poor Areas? An Empirical Study Based on the Data from 18 Counties in 6 Provinces in China." Best Evidence in Chinese Education 10, no. 2 (March 31, 2022): 1405–13. http://dx.doi.org/10.15354/bece.22.ar030.

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Transfer payment is of great significance for poverty alleviation and balanced regional development. Based on the first-hand survey data from 18 key counties of 6 provinces in China’s national poverty alleviation and development program, this paper uses propensity score matching to calculate the effects of transfer payment funds on the results of compulsory education in impoverished areas and uses Shapley value decomposition to decompose correlated factors. It finds that when the characteristics of students, families and schools controlled, transfer payment funds significantly lower student academic achievements in some subjects and aggravate the inequality of educational results, which may be the result of the reduction of local education funds caused by the “crowding out effect” of transfer payment. Suggestions are made in this paper to standardize the utilization of transfer payment funds, establish a linkage mechanism between the educational results of poor students and transfer payment funds, implement the assisting plan for teachers and students in poor areas, strengthen the “pertinent support for intelligence development”, and unite multiple agencies to increase input in education, with the purpose of reducing the inequality of compulsory education in poor areas.

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Dorofeev, M. L. "Assessment of the possibility of extra-budgetary funds including in the income distribution from unified treasury account funds management." Vestnik Universiteta, no. 6 (August 7, 2021): 153–61. http://dx.doi.org/10.26425/1816-4277-2021-6-153-161.

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The modern specifics of the temporarily free funds management on Unified Treasury Account of the Federal budget have been analysed. The assessment of the possibility and expediency of using of the income part received from the management of these funds to transfer to the Pension Fund of Russia budget as an additional factor in balancing its income and expenditure obligations, – has been made. An analysis of the current legislation has shown that the Pension Fund of Russia is not included in the number of recipients of income shares from managing balances on a single treasury account. In this regard, an estimate of the approximate amount of income from managing balances on a single treasury account based on open data has been made. It is proposed to include the Pension Fund of Russia in process of distributing these revenues since their value is sufficient to cover up to 10 % of the budget deficit of the Pension Fund of Russia.

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Arham, Muhammad Amir, and Boby Rantow Payu. "Village Fund Transfer and Rural Poverty in Indonesia." Economics Development Analysis Journal 8, no. 4 (February 11, 2020): 324–34. http://dx.doi.org/10.15294/edaj.v8i4.31698.

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The model of government policy has been somewhat over-oriented to the efficiency (development); this is especially in the urban areas. As a result, rural areas are left behind and the urbanization rates are continuously growing since the life supports in a city are more varied rather than the homogenous supports in a village. This results in inequality and the poverty within the village. To resolve this problem, the government has constituted the Regulation No. 6 of 2014 Considering Rural Areas in advancing the development of rural areas. The objective of this present study is to find out the effectiveness of the transfer of village funds in solving the issue of poverty in all villages within all the provinces in Indonesia during the period of the implementation of the program. Furthermore, this research was conducted by using econometric method through the equation of panel data in 2015 to 2016 in 33 provinces. The result reveals that the transfer of village funds is not significant in alleviating the issue of poverty in rural areas. By that, it is recommended to increase the amount of the fund of the program to reduce the rate of poverty in all villages in Indonesia.

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Czarnowska, Kamila. "THE ROLE AND THE MEANING OF FAST TRANSFER SYSTEMS AND NON-CASH SETTLEMENTS IN POLAND." sj-economics scientific journal 22, no. 3 (October 31, 2016): 248–65. http://dx.doi.org/10.58246/sjeconomics.v22i3.326.

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The aim of the paper was to describe instant funds transfer systems in Poland given the increasing significance of non-cash settlements. The paper discusses the genesis of such systems and their growing significance on the payment services market. The paper, in particular, illustrates the increase in the quantity and value of the transactions completed by instant funds transfer systems in Poland and examines the relationship between the volume of transactions in the Elixir system. The benefits of using instant inter-bank funds transfer services are also discussed.

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Wantah, Indah Helda, David P. E. Saerang, and Lidia Mawikere. "EVALUASI PENERAPAN AKUNTANSI PENERIMAAN DANA TRANSFER PADA BADAN PENGELOLA KEUANGAN DAN BARANG MILIK DAERAH PROVINSI SULAWESI UTARA." ACCOUNTABILITY 4, no. 1 (June 30, 2015): 115. http://dx.doi.org/10.32400/ja.8418.4.1.2015.115-122.

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Each SKPD who has the task of picking and receiving local revenue collection and acceptance shall perform under the terms set out in the legislation. The purpose of this study was to determine the application of accounting receipt of funds transfer in Financial Management Board and Regional Property North Sulawesi Province. Accounting receipt of funds transfer includes a series of activities of receiving, recording, distribution and accountability in the management of money that is the Regional Finance Management Unit (SKPKD) and / or Unit (SKPD). The method used is descriptive qualitative. Based on this study, the obtained results that the Financial Management Board and Regional Property North Sulawesi receive funds transfers from the center, are recorded in the form of journal and distribution in accordance with applicable regulations, and accountability made in the financial statements. However, the Financial Management Board and Regional Property North Sulawesi need to improve the understanding of the technical terms for each employee.

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Garmaev, Yu P., and N. V. Polyakov. "On the concept of illegal transfer of funds." Вестник Сибирского юридического института МВД России, no. 1 (2021): 9–13. http://dx.doi.org/10.51980/2542-1735_2021_1_9.

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김재두. "A Legal Study on the Electronic Funds Transfer." Dankook Law Riview 38, no. 2 (June 2014): 291–315. http://dx.doi.org/10.17252/dlr.2014.38.2.010.

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Paulson, Bruce L. "Integration of Hedge Funds and Wealth Transfer Structures." Journal of Wealth Management 6, no. 2 (July 31, 2003): 78–85. http://dx.doi.org/10.3905/jwm.2003.320483.

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Read, R. J. "EFTPOS: electronic funds transfer at point of sale." Electronics & Communications Engineering Journal 1, no. 6 (1989): 263. http://dx.doi.org/10.1049/ecej:19890057.

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Kinnon, A., and R. H. Davis. "Audit and security implications of electronic funds transfer." Computers & Security 5, no. 1 (March 1986): 17–23. http://dx.doi.org/10.1016/0167-4048(86)90113-6.

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Baumann, Roger T., and Heinz H. Müller. "Pension funds as institutions for intertemporal risk transfer." Insurance: Mathematics and Economics 42, no. 3 (June 2008): 1000–1012. http://dx.doi.org/10.1016/j.insmatheco.2007.12.001.

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Lamond, A., and R. H. Davis. "Electronic funds transfer in the UK banking system." International Journal of Information Management 11, no. 2 (June 1991): 105–25. http://dx.doi.org/10.1016/0268-4012(91)90003-u.

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Zajac, Bernard P. "Report on electronic funds transfer security in U.S." Computer Law & Security Review 1, no. 4 (November 1985): 13–14. http://dx.doi.org/10.1016/0267-3649(85)90024-x.

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Venables, Anthony J., and Samuel E. Wills. "Resource Funds: Stabilising, Parking, and Inter-generational Transfer." Journal of African Economies 25, suppl 2 (August 5, 2016): ii20—ii40. http://dx.doi.org/10.1093/jae/ejw016.

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Huruta, Andrian Dolfriandra. "PENGARUH TRANSFER FISKAL TERHADAP KETIMPANGAN WILAYAH DI KABUPATEN SUMBA TIMUR." KRITIS 24, no. 1 (August 11, 2016): 59–75. http://dx.doi.org/10.24246/kritis.v24i1p59-75.

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This article aims to describe impact of fiscal transfer such as village funds allocation towards regional inequality in East Sumba. This article use data such as gross regional domestic product at 2000 constant prices and realization of village funds allocation from 2008 to 2010. The result shows that village funds allocation has a positive and significant impact to regional inequality. Therefore, it’s necessary to create a generative relationship among developed region with the area behind it to remove regional inequality.

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Shohfi, Thomas. "RPI’s James Fund: ETFs, decision making, & manager transitions." Managerial Finance 46, no. 5 (March 5, 2019): 662–74. http://dx.doi.org/10.1108/mf-08-2018-0397.

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Purpose The James Fund at Rensselaer Polytechnic Institute’s Lally School of Management is a small, recently established, course-driven student-managed investment fund (SMIF). The purpose of this paper is to provide insight to new and existing funds in improving individual fund operation and structure. Design/methodology/approach The James Fund seeks to outperform an 80/20 equity/fixed income benchmark by investing exclusively in exchange traded funds and to move primary emphasis away from idiosyncratic risk and individual equity valuation back toward asset allocation, the most significant driver of portfolio performance. Buy and sell decisions must receive a three-fifths majority in voting among students and adhere with the investment policy statement. Findings Groupthink, a common problem in student-managed funds, is observed in trade proposal and manager voting patterns. Originality/value Groupthink is partially addressed through the use of instructor feedback on individual student trade diaries. Student managers transition each semester; therefore, the portfolio must meet dormant period criteria limited to a specific list of broadly diversified ETFs, mitigating potential problems from knowledge transfer between management teams that are largely unexamined in the context of SMIFs.

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Safitriawati, Tita, Indar Fauziah Ulfah, and Neneng Widayati. "Optimalisasi Investasi Dana Haji Melalui Sukuk dan Deposito Bank Syariah Terhadap Pengembangan Dana Haji Di Indonesia Periode 2016 - 2019." BISEI: Jurnal Bisnis dan Ekonomi Islam 6, no. 01 (June 30, 2021): 1–12. http://dx.doi.org/10.33752/bisei.v6i01.1570.

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Abstract: Development of Hajj funds in Indonesia for the 2016-2019 period. This research uses a descriptive method by analyzing data taken from secondary data directly to the BPKH website and literature study. The data analysis technique used is data collection, data reduction, data display, verification, and concluding. The results of this study indicate that the optimization of investment in hajj funds through Sukuk and Islamic bank deposits has increased from year to year so that it can increase financing in organizing Hajj. In 2018, referring to PP. 5 In 2018, BPKH plans to differentiate Hajj fund investments in gold (5%), direct investment (15%), and other investments (10%). Besides, the proportion of placement of funds in savings/time deposits decreased to 50% and placements in Sukuk to 20%. Then, in 2020, the proportion of placement of funds in savings/time deposits will again decrease to only 30% and transfer this proportion to Sukuk and direct investment.

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Suyanto, Suyanto. "FLYPAPER EFFECT THEORY DALAM IMPLEMENTASI KEBIJAKAN DESENTRALISASI FISKAL." Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 11, no. 1 (June 27, 2015): 69. http://dx.doi.org/10.23917/jep.v11i1.335.

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Fiscal decentralization can be considered as intergovernmental financial assistance within a state. This assistance is commonly called intergovernmental financial transfer that is transfer of fund from a level of government to another level. Generally, the transfer is usually occurred from a higher level of government the lower counterpart of a single state. The re- search is conducted to prove that Flypaper Effect has occurred in fiscal decentralization policy. The research finds that regional governments use the transfer for increasing their expenditures without raising the tax. The impact which is occurred from correlation of financial transfer by central government toward the income and expenditure of regional governments shows flypaper effect indication in the implementation of fiscal decentralization. In that case, the effect to the increase in regional expenditure is bigger than the effect toward its income. This is showing that transfer of the fund has caused the increase in vertical fiscal imbalance. Transfer of funds encourages the increase in the expenditure of autonomous regions.

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Kurniati, Herlina, and Yulistia Devi. "Pengaruh Flypaper Effect Pada Dana Alokasi Umum dan Pendapatan Asli Daerah Terhadap Belanja Daerah Provinsi Lampung Tahun 2016-2019 dalam Perspektif Ekonomi Islam." JES (Jurnal Ekonomi Syariah) 7, no. 2 (August 5, 2022): 187. http://dx.doi.org/10.30736/jes.v7i2.365.

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Many Regionals Government in Indonesia still rely on DAU allocations to finance regional expenditures and development without optimizing the potential of the regions. When DAU allocation obtained is large, the regions will try to keep DAU in the next period at the nominal value. PAD is able to finance local government at a maximum of 20%. This fact has led to asymmetrical behavior in local government. The regional government responds to the transfer of funds in the form of balancing funds, especially DAU which is realized in the regional budget. As regional spending is greater than the transfer, it is called the flypaper effect. The method used in this research is descriptive quantitative analysis method using panel data regression. The data analysis with regression uses the Eviews 9.0 program. The data used in this research use panel data with independent variables, namely General Allocation Fund (DAU) and Regional Original Revenue (PAD). The dependent variable is Regional Expenditure. The results of this study are: 1) General Allocation Funds have no effect on Regional Expenditures; 2) Regional Original Revenues affects Regional Expenditures; 3) General Allocation Funds and Regional Original Revenues simultaneously affect Regional Expenditures; 4) There is no Flypaper Effect in Regency/City Government of Lampung Province 2016-2019; 5) Regional Expenditures of Lampung Province is not compatible with the Islamic economic perspective.

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Ahmed, Qazi Masood, and Akhtar Lodhi. "Inter-Governmental Funds Flows in Pakistan: Are they Reducing Poverty?" Pakistan Development Review 48, no. 4II (December 1, 2009): 703–14. http://dx.doi.org/10.30541/v48i4iipp.703-714.

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The purpose of this paper is to see whether any link can be found between the inter-governmental fiscal transfers and the deprivation index in the districts of Pakistan. The data for the study was collected from 98 districts of four provinces of Pakistan for the year 2003 and 2007. The results of the study shows the transfers have reduced deprivation across the board but unable to solve disparity issue. In fact the results show the extreme inequality (ratio of maximum to minimum) has increased over time but average disparity (coefficient of variation) gives mixed results. Keywords: Fiscal Federalism, Horizontal Inequity, Vertical Inequity, Intergovernmental Fiscal Transfer.

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Yahya, Pegi Elvina, and Nofialdi Nofialdi. "PEMANFAATAN DANA ZAKAT PRODUKTIF DALAM TINJAUAN MAQASHID SYARIAH (Studi di Kelurahan Ganting Kecamatan Padang Panjang Timur)." JISRAH: Jurnal Integrasi Ilmu Syariah 2, no. 3 (December 29, 2021): 115. http://dx.doi.org/10.31958/jisrah.v2i3.4961.

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Based on research that there are several mustahiq who divert productive zakat funds for daily food needs, for medical expenses, for education, to repair the kitchen and to pay installments for rented stalls. The reason for mustahiq to transfer productive zakat funds is because there is an urgent need and insufficient income for needs. Based on these reasons, the transfer of productive zakat funds is not contradictory and even in line with the theory of al-maqashid al-syariah. Because for the cost of daily food needs and medical expenses in order to maintain the soul which is classified as an element of daruriyyat (primary needs), the transfer of zakat funds for education costs in order to maintain the mind which is classified as an element of hajiyyat (secondary needs), the transfer of zakat funds to repair the kitchen and pay the daily shop installments which are part of the maintenance of assets belonging to the hajiyyat element (secondary need). While zakat is productive in order to maintain property. Hierarchically, preserving religion takes precedence over preserving the soul, preserving the soul takes precedence over maintaining reason, preserving reason takes precedence over nurturing offspring, preserving offspring takes precedence over preserving property.

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Paul, R. M. "Merging With-Profits and Unit-Linked Life Funds in a Proprietary Company: Actuarial Considerations Based on a Case Study." British Actuarial Journal 2, no. 3 (August 1, 1996): 623–702. http://dx.doi.org/10.1017/s1357321700003512.

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ABSTRACTIn the current financial climate takeovers of proprietary life companies by other life companies, amalgamations of mutuals and demutualisations have become more and more prevalent. However in respect of takeovers, the process does not end with the purchase, but normally results in the transfer of the long-term business of one of the companies to the other. To optimise synergy and administrative efficiency, there may be a need to reconstruct the amalgamated funds.The author has been involved as Appointed Actuary and internal project manager in such transfers of business within proprietary companies and has also acted as an independent actuary and as an external project manager for other transfers. One of these transfers involved four companies transacting both with-profits and unit-linked business in which the interests of both policyholders and shareholder had to be protected. He considered this transfer to be of sufficient interest to merit the preparation of a paper discussing the issues which arose. Although the paper is principally based on that transfer as a case study, relevant and related factors arising in other transfers have been included where appropriate, as have references to the role of the actuary before, during and after reconstruction.In the case study, the scheme of transfer and the associated reconstruction of corporate structure involved merging three separate with-profits funds, merging many unit-linked funds (including unitised with-profits) and, subject to appropriate compensation, rationalisation of the rights to surplus attributable to both with-profits policyholders and shareholder.

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Haptari, Vissia Dewi, Ari Mulianta Ginting, and Ferdinand David Aritonang. "Analysis of Factors Affecting Regional Financial Independence in the Framework of a Policy Strategy For Increasing Regional Original Income." Eduvest - Journal Of Universal Studies 2, no. 4 (April 20, 2022): 777–96. http://dx.doi.org/10.36418/edv.v2i4.412.

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The regional autonomy policy, which is accompanied by the provision of balancing funds, has a goal, one of which is to have an impact on the financial independence of regency/municipal governments in Indonesia. The balancing funds provided should have an effect or have an impact on regional financial independence. This research is directed to see to what extent the relationship of fiscal decentralization can provide an increase in regional financial independence. Based on the results of the panel data regression analysis of the district/city data clusters, the results showed various results. In clusters I and IV, it shows that there is a positive and significant effect of the provision of balancing funds on regional financial independence. Meanwhile, based on the results of panel regression analysis in regencies/cities in cluster II, it shows that the provision of balancing funds has no significant effect on regional financial independence. The districts/cities in cluster III show that the balancing fund variable has a negative and significant influence on the financial independence of local governments. This implies that the provision of balancing funds for districts/cities in cluster III actually makes local governments dependent on transfer funds from the central government.

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Journal articles on the topic 'Funds transfer'

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