Journal articles on the topic 'INVESTMENT IN FINANCIAL SERVICES SECTOR'
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Muljaningsih, Sri, Ignatia Martha Hendrati, and Mohammad Wahed. "Potential, Prospect, and Investment Policy of Surabaya City." Journal of Economics, Business, and Government Challenges 2, no. 2 (October 31, 2019): 152–63. http://dx.doi.org/10.33005/ebgc.v2i2.90.
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This research aims to find out the types of superior investment potential that are the main attraction and the inhibiting factors and supporting the development of types of business or leading sectors. In this study using a quantitative approach with several stages of Location Quotient analysis tools, Shift Share, and Klassen Typology. The results of this study conclude that the economic structure of the city of Surabaya is dominated by 5 sectors, namely: a) the manufacturing industry sector; b) trade sector; c) the accommodation and food and beverage supply sector; d) information sector, and e) financial services sector. From the results of LQ which are included in the base category in Surabaya, including a) the electricity & gas procurement sector; b) water supply sector; c) the construction sector; d) trade sector; e) transportation sector; f) the accommodation supply sector; g) information; h) financial services sector; i) real estate sector; j) company service sector; k) the health service sector, and l) the health service sector. While the investment potential and opportunities in the city of Surabaya are based on the results of the analysis above then there are in the transportation sector, the accommodation supply sector, and the information sector.
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Melnyk, Victoria, and Oleh Pohrishchuk. "Investment support for the agricultural sector: creating opportunities in Ukraine." Herald of Ternopil National Economic University, no. 3(89) (October 10, 2018): 23–34. http://dx.doi.org/10.35774/visnyk2018.03.023.
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The article considers the challenges of investment support for Ukraine’s agrarian sector. In order to provide investment support for business entities by means of investment management and creating investment resources, a conceptual scheme is developed and presented. It is shown that identifying priority investment channels and implementing investment projects are based on the investment model, and therefore require measures for its further promotion. Particular attention is paid to determining priorities of financial support for the agrarian production. The paper addresses the issue of implementing regional investment projects and increasing local investment opportunities. It is pointed out that the framework of investment support for the agrarian sector is shaped by economic, social, financial, and legal factors through the following components: legal and regulatory setting; human resources capacity; organizational, innovative, informational, financial, technical and technological, marketing support. Their improvement will stimulate the competitive growth of the agrarian sector. The core activities that should be undertaken in order to effectively implement investment projects in the agrarian sector of Ukraine include: completing the legal framework for attracting investments and protecting the rights of investors and creditors; establishing investment support policies; building the innovative infrastructure; developing the leasing services market; enhancing information support for attracting investments; creating conditions for increasing intellectual capacity in the manufacturing sector.
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Mahfooz, Maryam, Zafar Mahmood, and Shabana Noureen. "Assessing the Impact of Liberalization of Trade Related Services on Services Growth in Pakistan." NUST Journal of Social Sciences and Humanities 4, no. 2 (January 22, 2021): 184–221. http://dx.doi.org/10.51732/njssh.v4i2.35.
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The services sector has offered sound support to Pakistan’s economic development. It has emerged as one of the fastest growing and highest contributing sectors of the economy. Through the use of Fully Modified OLS Estimation Technique, this study has provided evidence that liberalization of the two key sub-sectors (telecom and banking) of services of Pakistan has played an important role in development of these sectors. The task is achieved by preparing liberalization index for the two sectors. The econometric evidence reveals that results are robust and in accordance with the theory. Relationships are found to be relatively strong for the telecom sector and less strong for the financial sector. The research also shed light on the constraints that the country has to face in the liberalization process of these sectors. Rapid liberalization of the telecom sector has attracted substantial amount of investment, both local and foreign, and has created saturation in the industry, which has hampered further investment opportunities. This resulted in substantial decline of investment in this sector. But due to fast changing technologies, there is a possibility of it picking up again. By the increased liberalization of the telecom and banking services, the GDP of these sectors also increased. Hence, the full scale liberalization in the telecom sector evidently plays important role in growing the share of the services to economy’s GDP. Other economic indicators have also played an important role in defining the development of these sectors. Finally, a set of policy measures has been suggested to make the sector more effective and useful in accelerating the growth process.
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Rohmatun, Rohmatun, Restu Argarinjani, and Endang Kartini Panggiarti. "PERAN OTORITAS JASA KEUANGAN (OJK) DALAM PENGAWASAN DAN PENCEGAHAN INVESTASI ILEGAL DI INDONESIA." JURNAL MANEKSI 12, no. 2 (June 2, 2023): 362–67. http://dx.doi.org/10.31959/jm.v12i2.1472.
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OJK is an institution that is tasked and responsible for supervising and preventing illegal investments, as stipulated in Law No. 21 of 2011 concerning OJK. OJK plays a role in overseeing all activities engaged in the financial services sector, one of which is illegal investment, so it is important for OJK to provide direction and legal protection to the wider community, especially those who have or will invest in the financial services sector, as well as people who invest in Indonesia. This research is important for OJK to provide knowledge about these investments. This research was conducted using the library law method. Based on the results of the research, it is found that according to Law Number 21 of 2011, OJK is an institution that has enormous authority, but at the same time it is also an institution that has the task of regulating and supervising all financial services institutions in Indonesia and the role of the prevention and supervision of the Financial Services Authority on illegal investments has had a positive influence on investment activities in Indonesia, starting with regulation and supervision as well as several other prevention and prosecution roles.
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Wu, Keqiao. "Digital Transformation in the FinTech Sector." Highlights in Business, Economics and Management 10 (May 9, 2023): 243–48. http://dx.doi.org/10.54097/hbem.v10i.8047.
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This paper mainly analyzed the specific application of fintech technology in different aspects, and the changes this emerging technology can bring to people's lives. In terms of the payment system, the formation of oligopoly may lead to serious uneven market competition. Although clients with personal advisers are less likely to trust the services of robots, robo-advice can provide better investment advice to ordinary people and expand the benefit group. For P2P lending, this is a new lending model, eliminating the tedious steps and high fees of the middleman. Virtual currency as an original application of blockchain is the financial derivative that threatened the financial money investment market. The author explained how to benefit more consumers through fintech technology, and the progress of technology enables customers of different classes to have better service experience. The digitalization process of financial services promotes economic development and can provide customers with more inclusive and professional financial services. Fintech has gradually changed the pattern of the financial industry, gradually weakened the role of financial intermediaries, and created a new operating system.
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Shanty, Armeita Maya, and Ari Prasetyo. "PENGARUH KINERJA PERUSAHAAN TERHADAP HARGA SAHAM SEKTOR PERDAGANGAN, JASA DAN INVESTASI YANG TERDAFTAR DI ISSI PERIODE 2012-2017." Jurnal Ekonomi Syariah Teori dan Terapan 5, no. 12 (June 19, 2019): 1051. http://dx.doi.org/10.20473/vol5iss201812pp1051-1069.
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This research aims to determine the effect of current ratio, total asset turnover, return on assets, debt to equity ratio, and earnings per share partially or simultaneously to stock prices of trade, services and investment sectors registered in ISSI for period 2012-2017. This research uses quantitative approach by using secondary data in the form of financial statements of stock of trading sector price, services dan investments registered in the ISSI in year 2012-2017. Regression result by using technique of panel data analysis with Eviews 10. The results of this study indicate that simultaneously variable of current ratio, total assets turn over, return on asset, debt to equity ratio, and earnings per share have significant effect to stock price of trading sector, services and investment registered in ISSI. Partially variable of current ratiohave positive and significant influence, total assets turn over have negative influence and not significant, return on asset have positive and significant influence, debt to equity ratio have negative and significant effect, earning per share have positive and significant effect to stock of trading sector price , services and investments registered in the ISSI period 2012-2017.
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TRUSOVA, Natalia V., Nataliya S. TANKLEVSKA, Tetiana A. CHERNIAVSKA, Oleksandr S. PRYSTЕMSKYI, Denys V. YEREMENKO, and Valentina S. DEMKO. "Financial Provision of Investment Activities of the Subjects of the World Industry of Tourist Services." Journal of Environmental Management and Tourism 11, no. 4 (June 30, 2020): 890. http://dx.doi.org/10.14505//jemt.v11.4(44).13.
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The article deals with the methodological approach and practical aspects of the development of the corporate financial security system for forecasting the investment activity of the subjects of tourist services and modeling of their tourist flows for restoration of the natural and recreational potential of the state (region) of the world level. It is proved that the multiplicative effect regulates the economic and social indicators of the tourist services and under the influence of financial policy, sets the vector of their state support, suspends the information asymmetry of the financial market in the corporate financial security system, forms a stable inflow of financial resources from tourism sector, diversifies the model of financing the investment costs of the tourism industry on the basis of public-private partnership. The dynamics of changing the time trend of the integral multiplier effect of investment expenditures of the tourism sector is substantiated. A methodological approach to estimating the multiplicative effect of investment is proposed, which defines the interdependent relationship between the differential “input-output” of the tourist services industry of the meso-level using information technologies of the money generation model. The contribution of the multiplier effect of investment costs of tourism services to the country's GDP has been determined as a complex budgetary system of financing investment projects in the regions, taking into account the conditions of employment growth and job creation. The structure of the subsidized distribution of financial resources for the investment costs and service of the tourist services industry in countries and regions of the world is analysed. The marginal criterion for effective consumption of investments for all world countries, which ensures the movement of tourist flows in the financial resources market and shapes the investment attractiveness of the regions is 3.9%. It is proved that the contractual and institutional model of public-private partnership allows to support private investors, to regulate and fill budgets of all levels, to increase the social responsibility of subjects of tourist activity and to accelerate the economic growth of the country.
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Nadeem, Farrukh, and Syed Shahid Mazhar. "Innovations in Investment Products and its Impact on Financial Services Sector." International Journal of Management Studies VI, no. 1(4) (January 30, 2019): 53. http://dx.doi.org/10.18843/ijms/v6i1(4)/06.
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Leonard, Myron, and Keith Stephens. "Marketing Graduates in the Financial/ Investment Services Sector: Students versus Executives." International Journal of Bank Marketing 7, no. 4 (April 1989): 11–16. http://dx.doi.org/10.1108/02652328910131999.
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Mavlutova, Inese, Tatjana Volkova, Aivars Spilbergs, Andris Natrins, Ilja Arefjevs, and Atis Verdenhofs. "The Role of Fintech Firms in Contemporary Financial Sector Development." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 18 (February 1, 2021): 411–23. http://dx.doi.org/10.37394/23207.2021.18.42.
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The development of new technologies provided by Information and communication technologies, robotics, artificial intelligence and their application have an essential influence on the business model of the financial sector companies. Changes are taking place through a variety of technology processes in different industries of the financial sector such as payment systems (including cryptocurrencies, smart chaining), customer acquisition and management, crowdfunding, P2P lending. The aim of the research is to study the role of Fintech firms in the changes in the financial sector landscape, as well dynamics of changes in investments in Fintech by regions and by segments. This study provides empirical evidence on the development of alternative financial services and their role in the development of the financial sector. Based on the research results there is strong evidence about statistically significant difference between investments allocated to Fintech firms by regions and vintage. There have been changes in the regional distribution of investment, with North America (85-90%) dominating in the first years of the decade, and Asia and the Pacific accounting for more than a third and Europe for more than 20% of total investment in recent years. Contemporary statistics data analysis also indicates different trends in investments in various Fintech segments by years.
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Gekhaeva, Petimat, Elimhazhi Bolotkhanov, and Sanobarhon Ismoilova. "Global Digital Transformation Trends: Financial-Economic Sector." SHS Web of Conferences 172 (2023): 02025. http://dx.doi.org/10.1051/shsconf/202317202025.
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In recent years, the financial sector has been a leader in digital transformation. An additional driver of its accelerated digitalization was the COVID-19 pandemic, which contributed to the active spread of mobile banking, contactless payments, digital services for managing investment portfolios, etc. The largest banks and insurance companies play a leading role in the digitalization of financial services. New fintech companies have emerged both within large banking ecosystems and as stand-alone start-ups providing financial services on their own. The digital transformation of the financial sector is based on the integration of distributed ledger systems, cloud technologies, big data analysis and AI. As a result of the use of digital technologies, new business models are being built. For example, the Open Banking system, which is based on API (Application Programming Interface) technologies and is designed to exchange information necessary for the development of financial products and services, has become widespread. Such a system allows non-financial organizations to offer financial products and services personalized to the needs of a particular client.
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Kida, Nakije Miftar. "The Impact of FDI on the Structure of the Kosovo Economy." European Journal of Economics and Business Studies 8, no. 1 (May 19, 2017): 80. http://dx.doi.org/10.26417/ejes.v8i1.p80-86.
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This study has addressed the impact of domestic investment and FDI net flow from the services sector on economic growth for a period of 10 years. The data are taken from CBK, in annual periods, using the technique of Pearson correlation and multiple OLS regression, conducted with the statistical program SPSS 21.0. FDI attraction by the services sector is found to be greater than by the other sectors. This becomes more evident by findings from econometric analysis, where the services sector has a strong impact on economic growth in the country. Meanwhile, the "crowding out" effect has happened, indicating that local investment (local firms) has a modest level of technical and managerial changes, since increasing effect is estimated to be negative. According to this study, the economy of Kosovo has grown with an average rate of 4% for 16 years and the biggest contributor is the services sector with 56% of GDP, which includes financial services, insurance companies, construction, telecommunications, real estate, trade etc. This pace still continues to be a model of economic growth in Kosovo and continues to be supported by certain economic policies, while other sectors lag behind. This result clearly shows that, although the level of FDI inflows in Kosovo is low, the sector specification shows positive trend of incoming flows in the services sector. This is due to dominance in market of the financial sector and that of insurance with foreign capital as the only financing source of the local businesses.
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Boamah, Nicholas Addai. "Investment, financial sector development and the degree of emerging markets integration." Journal of Financial Economic Policy 12, no. 1 (June 28, 2019): 45–64. http://dx.doi.org/10.1108/jfep-09-2018-0136.
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Purpose The purpose of this paper is to explore the co-movements among emerging markets. The authors, additionally, investigate the driven force of the within emerging markets integration. The authors provide evidence of volatility clustering, leverage effect and time-varying integration of emerging markets. Design/methodology/approach The study used dynamic conditional correlation techniques to estimate the time-varying conditional correlations among emerging markets. The cross-sectional and time series variations in the within emerging markets correlations are then described by various market and economic factors. Findings The authors show that investment, domestic credit to the private sector and import of financial services have a positive relation within emerging markets co-movements. However, claim on central government, current account balance and financial services exports have a negative relation with the integration among emerging markets. Evidence is also provided that liquidity and market depth explain the correlation between emerging markets. Originality/value The findings show that emerging markets ability to convert domestic assets into investments appears to be the single most important factor influencing with in emerging markets integration. The findings indicate that across-emerging markets diversification potential exists.
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Suwandi, Suwandi, Kusno Kusno, and Toni Toni. "Legal Protection of Online Investors on the Binomo App by Alert Task Force Investment Financial Services Authority." Journal of Social Research 2, no. 1 (December 15, 2022): 206–13. http://dx.doi.org/10.55324/josr.v2i1.496.
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Background: Broadly speaking, an investment is a commitment to a certain amount of funds or other resources such as equipment, immovable assets, intellectual property rights, or expertise. Investments are made personally as well as by legal entities. Investment in general, has several objectives, the first, is to get a more decent life in the future, the second is to reduce inflationary pressures, and the third is to save taxes.
Objective: This study aims to find out as well as analyze the legal protection of online Investors on the Bonomo application by the investment alert task force of the financial services authority. As well as knowing and analyzing about.
Methods: This research belongs to the normative type of research. So it can be known that the legal protection of investors by brokerage companies has not been sufficiently able to accommodate the interests of investors.
Result: In Law Number 21 of 2011 concerning the Financial Services Authority (OJK Law), the authority and duty of the OJK are to supervise Financial Services Institutions (LJK) in the capital market sector, the non-bank financial industry sector (such as insurance, pension funds, financing companies, etc.) and starting in 2014 will also supervise the banking sector (Commercial Banks and People's Credit Banks).
Conclusion: Based on the above explanation, it can be concluded that the legal protection of investors by brokerage companies has not sufficiently accommodated the interests of investors.
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Bondarenko, L., N. Moroz, R. Zhelizniak, and O. Bonetskyy. "FINTECH MARKET DEVELOPMENT IN THE WORLD AND IN UKRAINE." Financial and credit activity problems of theory and practice 6, no. 41 (January 10, 2022): 121–27. http://dx.doi.org/10.18371/fcaptp.v6i41.251410.
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Abstract. The trends of fintech development in the world and in Ukraine have been explored in the article. The COVID-19 pandemic has spurred accelerated financial innovation development and increase of investment in this area. Fintech’s payment sector has the highest investment activity and investors’ interest in such sectors as cybersecurity, regtech, cryptocurrency and blockchain is growing. Investors prefer US, UK, and German markets, as well as already developed, sustainable businesses. These investors’ interests and the concentration of investments are projected to continue in the coming years. Ukraine is characterized by a low level of development of financial technologies, but there has been an increase in investment activity in fintech, particularly in 2020 investments were increased in the early stages of business development. The development of fintech in Ukraine is expected to accelerate due to the recent positive changes that have taken place in this direction: a new law on financial monitoring has been enacted, allowing remote identification and verification of clients; the Law of Ukraine «On Virtual Assets» has been enacted, which will allow to regulate the process of circulation of cryptocurrency and development of the cryptosphere; the NBU has became the regulator of financial institutions and creating equal conditions for banking and non-banking institutions to operate on the market; the Fintech Development Strategy 2025 has been developed to stimulate innovation, improve the availability and quality of financial services, and create a strong fintech ecosystem; the Ukrainian Startup Fund has been established to promote the creation and development of technological startups. The following directions for further development of fintech in Ukraine have been defined: improving financial and digital literacy; increasing the availability and safety of non-cash transactions; developing the infrastructure of the fintech ecosystem; integration of the national fintech ecosystem into the global fintech ecosystem; accretion of the fintech market investment potential; financial services sector digitalization. It is necessary to introduce modern transparent methods of regulating the fintech market in order to stimulate financial innovation projects and consumer protection, to stimulate interaction of fintech companies and banks, other financial institutions towards the development and diffusion of financial innovations. Keywords: fintech, investments, innovations, fintech market, fintech companies. JEL Classification G20, G24 Formulas: 0; fig.: 4; tabl.: 0; bibl.: 13.
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Kozlova, N. P., and E. V. Melnik. "FINANCIAL LITERACY AS A FACTOR OF CONSUMPTION OF FINANCIAL SERVICES." Scientific Journal ECONOMIC SYSTEMS 13, no. 3 (2020): 153–64. http://dx.doi.org/10.29030/2309-2076-2020-13-3-153-164.
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The article discusses current problems that confirm the need to increase the level of financial literacy of the Russian population. The relationship between financial literacy and the financial instruments used is considered. Methodological features of providing financial services of the banking sector to the population are revealed, and the opportunities offered to consumers by stock exchanges are assessed. Theoretical conclusions are confirmed by statistical data on the use of various financial instruments by Russians. The legislative base in the field of investment is analyzed. The effectiveness of the Russian government bodies in improving financial literacy is assessed.
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Yang, Shubin, Chris Milner, Sandra Lancheros, and Saileshsingh Gunessee. "Access to Finance, Technology Investments and Exporting Decisions of Indian Services Firms." Open Economies Review 31, no. 5 (July 15, 2020): 1009–36. http://dx.doi.org/10.1007/s11079-020-09595-2.
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Abstract This study provides fresh empirical evidence on the influence of various financing sources on firms’ technology investments and exporting decisions using a panel of firms from the service sector in India during the period 1999–2010. Allowing both activities to be jointly determined, our results show that the source of finance matters for exporting and investing in technology. Moreover, the importance of different types of finance varies across industries in the service sector. Overall, we find that internal funds and non-conventional sources of finance play an important role for exporting and investing in technology in both modern and traditional services. However, funding from conventional financial markets exerts divergent effects across service industries: while traditional service firms use resources from the banking sector to fund their technological investments, firms in the modern service sector rely more on funds raised through equity markets to support their exporting and technological efforts. These results contribute to the academic literature and policy debate on the importance of financial mechanisms to promote firms’ strategic investment decisions.
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Jones, Danielle Renee. "Regulations, Regulatory Authority, and Foreign Direct Investment in the Financial Services Sector." Academy of Management Proceedings 2017, no. 1 (August 2017): 14493. http://dx.doi.org/10.5465/ambpp.2017.14493abstract.
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Krech, Rüdiger, Ilona Kickbusch, Christian Franz, and Nadya Wells. "Banking for health: the role of financial sector actors in investing in global health." BMJ Global Health 3, Suppl 1 (May 2018): e000597. http://dx.doi.org/10.1136/bmjgh-2017-000597.
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The world faces multiple health financing challenges as the global health burden evolves. Countries have set an ambitious health policy agenda for the next 15 years with prioritisation of universal health coverage under the Sustainable Development Goals. The scale of investment needed for equitable access to health services means global health is one of the key economic opportunities for decades to come. New financing partnerships with the private sector are vital. The aim of this study is to unlock additional financing sources, acknowledging the imperative to link financial returns to the providers of capital, and create profitable, sustainable financing structures. This paper outlines the global health investment opportunity exploring intersections of financial and health sector interests, and the role investment in health can play in economic development. Considering increasing demand for impact investments, the paper explores responsible financing initiatives and expansion of the global movement for sustainable capital markets. Adding an explicit health component (H) to the Environmental, Social and Governance (ESG) investment criteria, creating the ESG+H initiative, could serve as catalyst for the inclusion of health criteria into mainstream financial actors’ business practices and investment objectives. The conclusion finds that health considerations directly impact profitability of the firm and therefore should be incorporated into financial analysis. Positive assessment of health impact, at a broad societal or environmental level, as well as for a firm’s employees can become a value enhancing competitive advantage. An ESG+H framework could incorporate this into mainstream financial decision-making and into scalable investment products.
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Popielas, Marek. "Harmonization of investment services in the European Union - the example of investment funds." Oeconomia Copernicana 3, no. 1 (March 31, 2012): 73–88. http://dx.doi.org/10.12775/oec.2012.004.
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This paper aims to present the level of harmonization of investment services in relation to the European investment funds’ market. The author, in an attempt to systematize different types of investment services in Europe, refers to the European Freedoms and presents the key reasons for the harmonization of investment services. An important part of the study is to present the role of investment funds in the financial sector, as well as the crucial benefits of participation in the funds. By using the method of analysis of the sources, the author makes a review of the European regulations on investment funds, both the law and the recommendations of regulators. From the perspective of recent legislation changes the study highlights their possible implications, especially for less developed countries of the European Union. Complementing the current picture of harmonization the author, by referring to the substantial transformation of the common market of the European Union in 2004, makes review of dynamics of this sector, based on basic statistics. What is worth paying attention in this context is that there is still a slight share of the newly acceding countries. Verification of accuracy of the author’s observations may become the subject of wider discussion on the harmonization of financial services in this area, taking into account time necessary to assess the impact of European regulations currently being implemented.
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Manukhina, M. Y., and I. V. Tatsii. "Forwards as one of the main investment instruments in the agricultural sector of Ukraine." Вісник Східноукраїнського національного університету імені Володимира Даля, no. 6 (276) (January 10, 2023): 37–43. http://dx.doi.org/10.33216/1998-7927-2022-276-6-37-43.
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The current transformation of the country’s economic system determines instability in the terms and mechanisms of the agricultural sector financing. The use of new financial instruments enhances the capacity of the agricultural sector of the national economy to generate investment resources. Financial instruments such as bank lending, leasing services and investment in agricultural projects are now widely known and used. Improving the investment attractiveness of the country’s agricultural sector and its development potential can be achieved through the introduction of modern financial instruments such as forward and futures contracts. The use of these financial instruments is a promising direction of formation of investment resources. Forwards will be especially useful for those agricultural producers who lost their crops last year and feel a working capital deficit.
The article considers the essence and classification of financial instruments; special attention is paid to the derivative financial instruments. The international experience of their use, as well as their use in the agricultural sector of the economy of Ukraine, has been studied. The main problems faced by market participants of the financial instruments market were revealed. The use of modern market instruments for price risks hedging and trends of the derivatives’ development as hedging instruments on the case of the agro-industrial company is analysed. The main problems of market participants in the agricultural sector of Ukraine have been identified and recommendations on the conditions for the use of financial instruments have been given. Recommendations on the development of derivatives in the grain market of Ukraine and the necessary actions by the interested parties, in particular government agencies, grain market participants, agricultural producers, investors have been developed. The necessity of using modern financial instruments to form the investment resources in the agricultural sector of the economy by combining internal (agrarian receipts, leasing services, forwards, bank financing) and external (bonds, letters of credit, guarantees, factoring) financial instruments for the agricultural sector producers is demonstrated.
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Raju, Guntur Anjana, and Harip Khanapuri. "The Effect of Macroeconomic Factors on Indian Share Prices: A Sectoral Approach." Journal of Global Economy 5, no. 2 (June 30, 2009): 125–34. http://dx.doi.org/10.1956/jge.v5i2.89.
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The influence of macroeconomic factors on stock prices has attracted immense attention in recent years. The subject is being considered significant in both academic research and practical investment analysis. It is a common knowledge that fundamental analysts try to identify the trend in several macroeconomic variables and accordingly its effect on stock returns. The success of ‘buy and hold’ strategy adopted by these investors who focuses on ‘intrinsic value’ of assets is assumed to depend largely on future movements in various macroeconomic variables that directly or indirectly affect a firm’s business operations and thereby its stock returns. Considering the two significant sectors of Indian economy viz. manufacturing and financial services sectors, we address the following issues: (A) Does the long-run relationship exists between macroeconomic variables and stock prices in manufacturing and financial services sectors in India? (B) Is there any significant difference between macroeconomic factors affecting stock returns in manufacturing sector and those in financial services sector?
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Richardson, Benjamin J. "Diffusing Environmental Regulation through the Financial Services Sector: Reforms in the EU and other Jurisdictions." Maastricht Journal of European and Comparative Law 10, no. 3 (September 2003): 233–64. http://dx.doi.org/10.1177/1023263x0301000302.
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The financial services sector has the potential to be an important facet of future systems of environmental governance. But, so far, only ad hoc policy initiatives have arisen in the EU and other countries addressing the environmental roles of banks or insurers. Because the financial services sector is where wholesale decisions regarding future development, and thus pressures on the environment, arise, reform of investment, banking and insurance services to promote long term investment and better consideration of environmental impacts may be an effective way to promote sustainable development. Reforms such as corporate environmental reporting requirements, mandatory environmental liability insurance, and lender liability for borrowers' environmental harms, are some of the ways in which an institutional framework for mobilizing financial organizations as instruments of environmental regulation could be constructed.
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Doytch, Nadia. "Who Gains from Services FDI—Host or Home Economies? An Analysis of Disaggregated Services FDI Inflows and Outflows of 24 European Economies." Foreign Trade Review 56, no. 3 (May 31, 2021): 257–88. http://dx.doi.org/10.1177/00157325211010230.
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This study focuses on a sample of 24 European economies to examine the spillovers from disaggregated services foreign direct investment (FDI) on economic growth. We study the impact of 20 disaggregated services FDI inflows and outflows, respectively, on their host and home country services sector and overall growth. We find that both financial services and business services FDI are beneficial for growth in both host and home countries. Financial services FDI works though financial holding companies and home countries benefit especially from investment in foreign banks, which provides access to credit. Business services FDI works though management holding companies and home countries benefit, especially from investment in computer activities, which provides access to specialised human capital and high-value knowledge assets. The positive spillovers to home countries provide evidence for arguing against protectionism. JEL Codes: F2, F21, F43
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Chen, Mingrui. "Financial Investment Risk Analysis in the Post-Epidemic Era." BCP Business & Management 38 (March 2, 2023): 2034–40. http://dx.doi.org/10.54691/bcpbm.v38i.4028.
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This paper investigates the correlation between the persistent impact of the epidemic on investment risk in the post-epidemic period and the response measures. A high correlation is found between market performance and policies introduced due to the ongoing impact of the epidemic. Further validation is provided by using the CSI 300 as a reference portfolio and by selecting ten stocks from the CSI 300 in the capital markets services sector to calculate the correlation coefficient between the latter and the former. It is found that placing assets in capital market services companies leads to lower investment risk, and the correlation between investment risk and the ongoing impact of the epidemic is moderately low. However, placing assets in capital markets services firms is not a better choice currently if investors want to obtain a higher return on their assets.
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Abunyuwah, Isaac. "Partial Ordered Logit Analysis of Confidence Levels in Financial Institutions in Ghana. The Case of Asante Mampong Municipality." International Journal of Economics and Finance 12, no. 7 (June 8, 2020): 21. http://dx.doi.org/10.5539/ijef.v12n7p21.
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In recent times the financial sector (FS) of Ghana has been saddled with liquidity and operational challenges leading to several financial policies put in place by the Central Bank. The financial crisis and its resultant stringent measures affected public confidence as many customers lost their investments/savings while some financial institutions were consolidated or collapsed. Noting the critical role of public confidence in the financial sector, this paper assessed the confidence levels in FS of Ghana, using Asante Mampong Municipality as a case study. A random sample of 384 respondents was used. Due to the ordinal nature of the dependent variable (confidence levels), the Partial Proportional Odds (PPO) model was used when the ordered logit model failed to pass the proportional odds assumption. About 46.4% of the respondents reported having ‘no confidence’ in the financial institutions of the country, while 37% indicated having ‘somehow confident’ in the sector. Less than 20% of the respondents expressed ‘confident’ (13.3%) or ‘very confident’ (3.4%) in the FS. Duration of engagement with a financial institution, loss of investment, awareness of crisis/reforms of the financial sector and income levels affected the confidence levels in the financial sector. Financial institutions are recommended to strengthen their relationship with customers by providing improved services and policy measures that secure customers investment/savings to ensure sustained and increased levels of confidence.
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West, Mark, and Delphine Phillips. "Exploring the future of Business Information Services in the financial sector." Business Information Review 35, no. 1 (March 2018): 12–16. http://dx.doi.org/10.1177/0266382118761925.
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This research study looks at the role of Business Information Services (BIS) within financial services and what its future may look like in light of changing internal and external environmental factors. The research is gathered from global investment banks and equity houses and considers the role technology is playing in the development of the BIS department of the future. We review different operating models, how these are affected by internal and external changes and look at future drivers and future scope developments. We also consider the influence of knowledge management services on BIS and discover that although there are some links, there is very little strategic interaction between the two.
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R, Saravanaselvi, and Thiruppathy K. "Functions of the indian mutual fund industry." Journal of Management and Science 1, no. 1 (June 30, 2013): 32–38. http://dx.doi.org/10.26524/jms.2013.5.
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Investment is a commitment of funds in real assets or financial assets. Investment involves risk and gain. In the present dynamic global environment, e x p l o r i n g investment a v e n u e s a r e of g r e a t r e l e v a n c e .Investment skills developed over a period of time are considerably influenced by experience and spadework carried out to arrive at conclusions. The success of an investment acti vit y depends on the knowledge and ability of investors to invest, the right amount, in the right type of investment, at the right time. Real assets, being tangible material things, are less liquid than financial asset Compared to financial assets, returns on real assets are more difficult to measure accurately due to the absence of broad, ready, and active market. Financial assets available to individual investors are manifold, having different concomitant benefits to choose from. All financial investments are risky but the degree of risk and return differ from each other. An investor has to use his discretion, which is an art acquired by l earning a n d pra ct i cal experience. The knowledge of financial investment and the art of its management are the basic requirements for a successful investor Financial system comprises of financial institutions, services, markets and instruments,which are closely related and work in conjunction with each other. The litany of new financial institutions and instruments developed in recent years, with the ostensible objective of modernizing the financial sector, is impressively long; Mutual Funds, Discount and Finance House of India, Money Market Mutual Funds, Certificate of Deposit, Commercial Paper, Factoring and Treasury Bills. Financial services through the network of elements serve the needsofindividuals, institutionsand companies. It is through these elements, the functioning of the financial system is facilitated. Over the years, the financial services in India have undergone revolutionary changes and had become more sophisticated, in response to the varied needs of the economy. The process of financial sector reforms, economic liberalization and globalization of Indian Ca pi tal Market had generated and augmented the interest of the investors in equity. But, due to Inadequate knowledge of the capital market and lack of professional expertise, the common investors are still hesitant to invest their hard earned money in the corporate securities. The advent of mutual funds has helped in garnering the investible funds of this category of investors in a significant way.
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Sutradhar, Debabrata. "FDI and Growth of Service Sector in India." Artha - Journal of Social Sciences 13, no. 4 (October 17, 2014): 1. http://dx.doi.org/10.12724/ajss.31.1.
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In the contemporary globalised economy, service sector attracts the major share of Foreign Direct Investment (FDI) in the world. India being a part of this phenomenon also attracts most of its FDI in the service sector. The present paper highlights the trend in FDI movement in the world in general and India in particular. Further, it reviews the FDI policy in India in the post liberalized period. The growth of FDI in services sector may be attributed to the changing pattern of global FDI and also the liberalization and globalization policies pursued by India. Since 2000, the high inflow of FDI has resulted in the growth of new services viz., financial and non-financial services, telecommunication, computer software and hardware, hotel and tourism, construction activities and real estate. The growth of services sector had led to the growth of export of services from India which now accounts the majority of export from the country.Keywords: FDI, Services sector, Export, Liberalization.
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Zhytar, Maksym, and Alla Navolokina. "AREAS OF ENSURING THE DEVELOPMENT OF FINANCIAL ARCHITECTURE IN THE CONTEXT OF GLOBALIZATION AND EUROPEAN INTEGRATION." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 23(51) (December 23, 2021): 62–66. http://dx.doi.org/10.25264/2311-5149-2021-23(51)-62-66.
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The article identifies areas for ensuring the development of financial architecture in the context of globalization and European integration. The components of the national state policy on the regulation of Ukraine's financial architecture development are considered. It is proved that in order to ensure the implementation of the main strategic directions of effective state policy towards the development of the financial architecture of the banking sector, the following measures should be taken: increasing the level of the banking sector capitalization and banking credit services competitiveness; implementation of international standards on corporate governance; systematic financial risk management; organization of the creditors' rights protection, relevant depositors and clients. It is substantiated that effective tools that will contribute to the development of the financial architecture of the national economy due to the consolidation of available financial resources and long-term investments should be: diversification of existing instruments in the stock market by providing appropriate information and methodological support for initial issuance of securities; significant increase in the role and importance of non-bank financial institutions (various insurance companies, relevant investment funds, credit unions and pension funds) by significantly simplifying the conditions and expanding the relevant available tools for the participation of such institutions in financial market operations; support for long-term investment lending on the basis of regulatory support to increase the effective lending capacity of investment projects.
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Melnyk, Mariana, Iryna Leshchukh, Tetyana Medynska, and Nadiya Rushchyshyn. "Potential of the sector of financial services in view of the socio-economic growth of Ukrainian regions." Economic Annals-ХХI 185, no. 9-10 (November 21, 2020): 144–54. http://dx.doi.org/10.21003/ea.v185-14.
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Nowadays, in the global economy, the sector of financial services is an important mechanism to secure competitiveness. In the first place, it performs the functions of monetary provisions; in the second place, it mobilizes and transforms spare savings into investment resources for extended economic reproduction. Yet, the socio-economic and geopolitical instability in Ukraine has caused a decline in the development of its financial sector, which is confirmed by the rating downgrade of Ukraine in a range of international economic rankings. The purpose of the paper is to provide a complex research of the capacity of the sector of financial services in securing the socio-economic growth of Ukrainian regions. In order to achieve the goal, general and specific research methods were used, including structural and functional, regression-based, factor and system analysis methods of comparison and synthesis. MS Excel was used to visualize and interpret data. The efficiency of the use of the capacity of the sector of financial services in securing the socio-economic growth of regions is evaluated based on the calculation of the related index as an arithmetic average of standardized output parameters that characterize the development of the sector of financial services and socio-economic development of regions. The research has contributed to 1) establishing a high variability of the index of the efficiency of the capacity of the sector of financial services caused by the unequal spatial distribution of the companies in the analyzed sector; 2) verifying a high sensitivity of the sector of financial services to macroeconomic imbalances, fluctuations on global financial and monetary markets, and domestic political crises confirmed by a slight impact of the sector capacity on the pace of gross regional product (GRP) change in Ukrainian regions and the gross valued added (GVA) change in the services sector of the regions; 3) stating a direct correlation between the volume of services provided by financial sector companies and financial solvency of consumers (i.e. residents and businesses), and a direct correlation between the intensity of change in the capacity of the sector of financial services in order to secure the socio-economic growth of regions and employment change in the regions. The fact that a high level of shadow activity is an essential threat to the efficient use of the capacity of the sector of financial services in order to secure the socio-economic growth of Ukrainian regions is emphasized. Unequal spatial distribution of companies within the sector of financial services, imbalance in spatial development of adjoining economy sectors, and credit activity of businesses and population have caused a high variability of the index of the efficiency of the use of the capacity of the sector of financial services in terms of the socio-economic growth in Ukrainian regions. The financial sector of Ukraine is characterized by high sensitivity to fluctuations on domestic and foreign financial and exchange markets that are especially relevant nowadays in view of the coronavirus pandemic. Therefore, forming a comprehensive roadmap activating the mechanisms to improve economic activities in the financial and adjoining markets should be the primary task for public and regional authorities.
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Kolawole, Kayode David, Micheal Adebayo Ajayi, Abdulkareem Alhassan, Festus Victor Bekun, and Gizem Uzuner. "Sustainable Energy Supply, Finance, and Domestic Investment Nexus in West Africa." Sustainability 14, no. 19 (September 21, 2022): 11882. http://dx.doi.org/10.3390/su141911882.
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This study examines the impact of financial deepening and sustainable energy supply on domestic investment in West African countries. The data for the study range from 1990 to 2020 and were sourced from the World Development Indicator database. We used the cross-sectional autoregressive distributed lag (CS-ARDL) estimator for the analysis. Empirical findings showed that credit to the private sector significantly impacts domestic investment in West Africa. It was also revealed that access to electricity significantly impacts domestic investment in West Africa. This demonstrates that funding for the private sector and adequate power generation improve the investment in any economy. The study concludes that financial deepening has a significant impact on domestic investment. The study therefore recommends that the management of banks should be encouraged to pursue policies that will deepen the efficient allocation of financial services for domestic investment in the region.
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Demko, Valentyna Serhiivna. "ECONOMIC INFLUENCE OF MULTIPLICATIVE EFFECT OF INVESTMENT CHARGES OF INDUSTRY OF TOURIST SERVICES." SCIENTIFIC BULLETIN OF POLISSIA, no. 2(21) (2020): 145–54. http://dx.doi.org/10.25140/2410-9576-2020-2(21)-145-154.
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Abstract. The combination of economic, social and cultural aspects of the development of tourism services has the inexhaustible potential for progress in achieving the effect of interaction between other sectors of the economy, leading to accelerated capital turnover between countries, playing an important role in creating international tourism infrastructure. Therefore, it is important to study the methodological approaches to assessing the quality of the system of financial supportfor investment activities of tourism entities.The article investigates scientific approaches to the problems of development of the world industry of tourist services, the concepts of the credit mechanism at interaction with principles of financial maintenance of investment activity of the enterprises of small and average business are investigated. The forms of development of the world industry of tourist services and inflowof private investments at use of models of public-private partnership and the state programs are defined. The economic impact of the tourism services industry on the world economy in real prices is calculated.Based on the results of the study, the need for integrated approaches to the system of distribution of borrowed funds in the revenue part of the macro-level budget, their spending on investment needs of the tourism sector of the meso-and macro-level. The direct and cumulative effect of the multiplier of tourist services expenditures in the GDP of Ukraine and the world is determined, taking into account direct, indirect and induced factors influencing the lag of supplies of goods, services and changes in profits. cities) and the implementation of socially significant projects based on the use of state property
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Rodionov, A. N., and Zhao Tingchuan. "Prospects of Russian-Sino Financial Cooperation in the Banking Sector." Entrepreneur’s Guide 14, no. 1 (February 21, 2021): 99–104. http://dx.doi.org/10.24182/2073-9885-2021-14-1-99-104.
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The development of business cooperation between Russia and China in the financial sector is a multifactorial process, in which the banking sector plays an essential role. The article in hand describes the current state of Sino–Russian cooperation in the banking sector, points out the main issues and puts forward some suggestions for improving the working partnership between the two countries in this area with the aim of facilitating mutual trade, attracting investment, and developing the entire range of financial services.
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Renkema, Theo J. W. "The Four P's Revisited: Business Value Assessment of the Infrastructure Impact of it Investments." Journal of Information Technology 13, no. 3 (September 1998): 181–90. http://dx.doi.org/10.1177/026839629801300304.
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Assessing the business impacts of increased IT investment has become one of the major issues in contemporary management. Many senior managers realize that a well-structured appraisal process might make the vital difference between IT success and IT failure, both in the private and the public sectors. Senior management's prime concern has shifted from controlling IT costs to managing and delivering IT benefits. Today, increased emphasis is being put on the role of infrastructure investments in order to fully exploit the profit potential of IT. The infrastructure impact of IT investments more and more centres around the emerging notion of an information infrastructure. Assessing the role and impacts of infrastructure investments, however, has proved to be particularly difficult and it is not yet clear how the underlying strategic decision-making process should be managed. The purpose of this paper is to present a model that offers four control options – paraphrasing conventional business wisdom in marketing coined the ‘P4 model’ – to manage investment appraisal and to support organizational decision-making. As a prelude to this, the paper explores the role of an information infrastructure from an IT investment perspective and examines four styles of decision-making. It also presents case study material from the financial services sector, in order to illustrate the relevance and applicability of the P4 model. Much of this paper draws on a research study funded by Eindhoven University and two large financial services organizations.
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Miller, Keith, Martin E. Lybecker, Jesse Kanach, Mary C. Moynihan, and Hillary B. Levun. "SEC charges private fund administrator with gatekeeping failures." Journal of Investment Compliance 18, no. 1 (May 2, 2017): 65–67. http://dx.doi.org/10.1108/joic-02-2017-0013.
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Purpose To explain a set of recent US Securities and Exchange Commission (SEC) administrative settlements targeting fund administrators and to alert fund administrators and other financial service providers to their growing “gatekeeper” obligations. Design/methodology/approach This article explores the factual and legal contours of SEC administrative settlements with a fund administrator, as well as related enforcement actions against investment managers, to better understand the affirmative steps the SEC is expecting financial service providers to take to help root out fraud and misappropriation in the financial services sector. Findings The SEC’s administrative settlements with this fund administrator illustrate the SEC’s expanding focus on the “gatekeeper” function and signal the intent of the SEC to impute culpability for wrongdoing to fund administrators and other financial service providers simply for not doing enough to root out fraud and misappropriation in the financial services sector. Originality/value This article contains valuable information about recent SEC enforcement activity and practical guidance from experienced white collar, securities, and investment management lawyers.
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Zakharkin, O., V. Boronos, L. Zakharkina, and O. Tverezovska. "FINANCIAL INCLUSION AS A DRIVER PROVIDING FINANCIAL SECURITY IN UKRAINE." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 43–52. http://dx.doi.org/10.21272/1817-9215.2019.1-6.
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Theoretical approaches to defining the concept of financial inclusion are considered. It is determined that financial inclusion and the public and business confidence in the financial and credit system are driving factors for directing savings into the investment sector, reducing the level of shadow economy, increasing the financial stability of economic entities, and, as a consequence, increasing the level of government revenues and financial security ensuring. Theoretical and methodological foundations of financial inclusion spreading as a driver of financial security of Ukraine are investigated. Key words: financial inclusion, financial security, financial literacy, financial services.
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Pantos, Themis D. "EU Banking Directives: risk and wealth effects on the Greek financial sector." Journal of Risk Finance 9, no. 1 (January 4, 2008): 9–19. http://dx.doi.org/10.1108/15265940810842384.
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PurposeThe paper seeks to examine whether or not wealth effects and changes in the systematic risk associated with the return structure of the Greek commercial chartered banks, investment firms and insurance companies resulted from the passage of the European Union Banking Directives over the period 1988‐1997.Design/methodology/approachUsing monthly stock returns from the DataStream database for the period January 1988 to December 1997, the separate effects of each of the EU Banking Directives on Greek commercial chartered banks, investment firms and insurance companies are tested. The “seemingly unrelated regression” methodology is utilized to test three portfolios consisting of an equally weighted banking, investment and insurance index made up of major Greek banks, investment firms and insurance companies respectively. The Greek Market Index serves as a proxy for the market portfolio. All the aforementioned indices were converted to returns using the log difference method.FindingsEmpirical results indicate that the systematic risk dramatically increased for Greek insurance and investment firms and moderately increased for Greek commercial chartered banks through the tabling of the Free Capital Movement Directive in the Greek Parliament. After controlling for systematic risk, the results suggest that the passage of the Free Capital Movement Directive did not create wealth effects for the shareholders of commercial chartered banks, investment firms and insurance companies. Conversely, the results demonstrate that the Second Banking, Investment Services and Capital Adequacy Directives produced no wealth effects for the investment firms and insurance companies, but not for commercial chartered banks' shareholders. The whole wealth effect on the Greek financial sector was neutral.Originality/valueThis article will be of value to academics, bankers, bank regulators, practitioners, and economic policy makers who are interested in the regulatory evolution of the EU banking industry.
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Холодцова, Ирина, and Irina Kholodtsova. "Investment in tourism and hospitality of India." Services in Russia and abroad 10, no. 2 (June 16, 2016): 13–25. http://dx.doi.org/10.12737/19718.
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Development problems of international tourism and hospitality, associated with unstable foreign economic relations and international payments, lack of a stable insurance system and other socio-economic problems, including terrorism and uncontrolled migration, make it difficult to attract investment in this sector of economy. The example of Asian newly industrialized countries, which demonstrate comprehensive, steady and very rapid development, proves viability of this economic model and prospects for investment in tourism and hospitality. The huge and growing market, developing infrastructure, sophisticated financial sector, flexible regulatory environment, benefits, sustainability of state system and good economic prospects make India attractive for investments. Thus, in India the following opportunities for foreign investors to contribute in Indian tourism and hospitality were formed: government initiatives in various segments of tourism, significant relations of tourism with other important sectors of economy (construction, industry, transport, in gardening, agriculture, etc.), growing middle class and the availability of natural resources, democratic visa rules and social freedom, presence of well-known foreign corporations, the growth of average annual income of the hotel segment of "5 stars" and others. Further study of this subject can be continued in the development of investment risk insurance mechanisms to promote foreign direct investment into developing countries to support economic growth, poverty reduction and improvement of people´s lives. The options for improving investment risk insurance may include not only financial risks insurance, but also insurance of political (by state guarantees) or certain non-commercial risks for investment in developing countries, as well as the provision of services for the settlement of disputes between the public and private entities to guarantee the investment of capital.
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Adamowicz, Mieczysław, and Karolina Ziółkowska. "Assessment of Investment in the Café Service Sector." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 11, no. 1 (March 1, 2018): 90–108. http://dx.doi.org/10.29316/ers-seir.2018.07.
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Abstract Subject and purpose of work: The subject of the work is the issue related to making investment decisions on the Polish market of café services in Warsaw. The work contains a theoretical and an empirical part. The aim of the work is to evaluate the effectiveness of different ways of running a café in the form of creating your own brand, a network café franchise or cooperation based on an agency agreement. Materials and methods: The work was based on the problem literature, materials made available by companies offering cooperation in the cafeteria industry and reports from a research company regarding the HoReCa market. A prospective ex-ante analysis has been given the form of a business plan for a newly created coffee shop. Results: The basics of creating a new enterprise were discussed and the undertaking was characterized taking into account the location, competition, employment plan, marketing and risk assessment. A SWOT analysis and financial forecasts were prepared, taking into account capital expenditures, demand forecast, revenues, costs and margins, as well as the analysis of other financial parameters. Conclusions: Available business models offer the investor a wide range of investment options. The choice of a business model depends both on the investor’s expectations and its proneness to risk taking as well as on the location of the planned undertaking.
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Lucero-Prisno, Don Eliseo, Alaka Hassan Olayemi, Idongesit Ekpenyong, Precious Okereke, Osman Aldirdiri, Julian MA Buban, Sudi Ndikumana, et al. "Prospects for financial technology for health in Africa." DIGITAL HEALTH 8 (January 2022): 205520762211195. http://dx.doi.org/10.1177/20552076221119548.
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Over the years, technology has revolutionized the operations of many industries, ranging from manufacturing and agriculture to financial institutions which are usually the first users of innovations. Owing to the recent technological trends in the financial sector, such as mobile money, artificial intelligence, and medical robotics, as well as the rapidly increasing human population and the emergence of new patterns of disease, it is necessary for the healthcare sector to adopt new strategies to deliver efficient and effective healthcare services. Financial technology (FinTech), a combination of financial services and technology, entails the incorporation of modern, innovative technologies by industries into their financial services. FinTech is an endless array of applications, products, and services which includes mobile banking, cryptocurrency, insurance, and investment apps among many others. Any enterprise that employs technology to enhance or automate financial services and processes is referred to as FinTech. This fast-growing industry serves the interests of both the business sector and the consuming public. There have been many applications and uses of FinTech, however, its employment in the field of health remains to be explored further and maximized, particularly in the developing world like Africa. This paper aims to explore the prospects of FinTech for healthcare in Africa.
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Wibowo, Dwi Edi, Liana Endah Susanti, and Aditya Migi Prematura. "The Implementation of Justice Value for Consumer Protection Study of the Financial Services Authority Regulation Number: 1/Pojk.07/2013 Concerning Consumer Protection." International Journal of Law Society Services 2, no. 1 (March 8, 2022): 1. http://dx.doi.org/10.26532/ijlss.v2i1.20125.
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The role of the internet in information technology has been used to develop the financial industry through modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech has many types, including payment startups, lending, personal finance, retail investment, crowdfunding, remittances, financial research and others. Fintech, a type of technology-based lending and borrowing money or peer to peer lending (P2P-lending), is a type of Fintech that is growing rapidly in Indonesia, problems that must be resolved regarding the Implementation of Justice Value For Consumer Protection (Study of The Financial Services Authority Regulation Number: 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector). This research used normative juridical research method, which is focused on studying the implementation of the rules or norms in positive law, the conclusion of the Financial Services Authority Regulation Number 1/POJK.07/2013 concerning Consumer Protection of the Financial Services Sector in terms of its objective to provide protection to consumers is still not optimal, because the Financial Services Authority does not regulate the time frame for responding to complaints that have been submitted by the Consumers in the regulation
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D’yakonova, I. I., and A. O. Drofa. "THE DEVELOPMENT OF THE FINTECH INDUSTRY AND ITS INFLUENCE ON THE FINANCIAL SECTOR." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 4 (2019): 81–86. http://dx.doi.org/10.21272/1817-9215.2019.4-10.
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FinTech field began to develop rapidly since 2008, after the Global Financial Crisis. This was due to the fact that financial institutions could not quickly respond to consumer needs because of a number of regulatory and legislative restrictions that were implemented to overcome the consequences of the crisis. At the same time the main factors of FinTech development were technological evolution, emerging customer expectations, availability of funding and capital, and support from governments and regulatory authorities. FinTech makes traditional financial services more affordable, flexible and secure, and therefore FinTech is one of the main drivers of digital transformation of the whole financial sector and the development of financial accessibility in the world. The development of the FinTech industry has a huge influence on the financial sector. FinTech strives to make financial services more accessible for both consumers and businesses. FinTech companies are fast growing and attract a large amount of investment each year in their development. At the same time, traditional financial institutions feel threatened on their part, because with the increasing number of FinTech companies, competition in the financial services market is growing too. In order to stay on the market, traditional banks are forced to adapt to modern realities and develop cooperation with FinTech companies. FinTech companies can help banks provide financial products and services more effectively and strengthen their competitive advantages. For example, they can improve financial inclusion, enhance customer experience, increase transparency, improve security, and provide support and guidance. Thus, financial institutions in cooperation with FinTech companies are able to provide new financial products and services to groups of customers who previously did not have access to traditional financial services. In addition, thanks to new technologies, financial institutions can offer personalized services and communicate online with customers, which significantly increases their engagement and experience. Furthermore, FinTech companies can help financial institutions detect fraud and deal with cyber-attacks and other online risks. Keywords: FinTech, financial technologies, financial services, financial innovations, FinTech adoption.
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Imran Hunjra, Ahmed, Farida Faisal, and Faiza Gulshion. "The Impact of Cost Leadership Strategy and Financial Management Control Systems on Organizational Performance in Pakistan’s Services Sector." Lahore Journal of Business 6, no. 1 (September 1, 2017): 1–19. http://dx.doi.org/10.35536/ljb.2017.v6.i1.a1.
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This study gauges the impact of cost leadership strategy and financial management controls on financial performance of firms in Pakistan’s services sector. Drawing on a sample of banking, insurance and investment firms listed on the Karachi Stock Exchange, we find that cost leadership strategy and financial management control systems have a significant and positive impact on financial performance. This implies that both factors should be aligned in the long term.
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Delija, Alma. "Microfinance Sector and Sme Financial Suport in Albania." European Journal of Multidisciplinary Studies 5, no. 1 (May 19, 2017): 243. http://dx.doi.org/10.26417/ejms.v5i1.p243-251.
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The creation of the microfinance sector and its functioning in Albania has played an essential role and has been and is a powerful tool for the development of small and medium enterprises (SMEs) of Albanian agribusiness. Microfinance has played an ever more decisive role in increasing output, reducing unemployment, improving the level of living conditions and welfare of the population, especially in rural areas, creating new jobs, contributing significantly to economic development Of the country. The growth and development of SMEs plays a fundamental role in the national economy, serving as a driving force in the country's economic development. Empirical evidence suggests that the growing SME sector and the dynamism of their development can strongly contribute to achieving a broad range of development objectives, such as: Achieving income distribution and poverty reduction; Creating employment; Savings mobilization; And production of goods and services that meet basic basic needs of the individual and society. Despite the great contribution to the growth and economic development of the country, the growth and development of SMEs in our country has been hampered by financial access, poor management skills, and lack of training opportunities and high input costs. Liquidities' sluggishness and low access to finance for SMEs is the biggest obstacle to them. SMEs have limited access to financial services provided by formal financial institutions to meet their liquidity and investment needs.
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Akhilesh Sharma. "An Analysis of India's New Generation of Private Sector Banks Credit Risk Management." TEST Engineering & Management 83 (March 12, 2020): 27626–39. http://dx.doi.org/10.52783/testmagzine.v83.14610.
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The financial and economic development of a nation may be sped up by instituting a sophisticated and solid financial system. The expansion of the financial system is a necessary prerequisite for economic development. Different markets, institutions like banks, instruments, services, and procedures that impact the production of savings, investment capital formation, and growth are the primary drivers of a country's economic development. Many financial instruments and effective mobilization of savings are two ways in which the Indian financial system boosts savings rates and total amounts. This paper examines the credit risk management practices of the next generation of commercial sector banks.
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Lazuarni, Shafiera, Endah Dewi Purnamasari, and Jainal. "Analisis Dinamika Sektor Investasi Unggulan dan Iklim Investasi di Kota Palembang: Pendekatan Keuangan Keperilakuan." Jurnal Ilmiah Ekonomi Global Masa Kini 14, no. 1 (July 11, 2023): 28–36. http://dx.doi.org/10.36982/jiegmk.v14i1.3136.
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The aim of this study to determine the leading investment sector, the investment climate in Palembang City is seen from a behavioral finance approach. The studies have been contained in the analysis and discussion of the results of calculations using LQ and SSA analysis. The Location Quotient (LQ) method is an analysis that aims to identify the economic base that is concentrated in an area, while the Shift Share Analysis (SSA) method is used to assess the level of competitive advantage in sectors within a particular region, which is seen from its growth rate. The next step is to conduct a survey to find out the constraints/barriers to investment in the city of Palembang using indicators developed by the International Financial Corporation (IFC). The results show that the basic sector and has high and strong competitiveness against the economic shocks that occurred during the Covid-19 pandemic in Palembang City are 1) Manufacturing Industry, 2) Wholesale and Retail Trade; Car and Motorcycle Repair, 3) Information and Communication, 4) Financial Services and Insurance, and 5) Real Estate. Based on the results of a survey conducted using a questionnaire, the results of the analysis show that the overall investment climate is considered good by business actors in Palembang City. The good investment climate in Palembang City will further affect various aspects such as investor behavior. Viewed from a financial perspective, behavior can affect all aspects, for example facilitating access to finance (making it easier for investors to obtain the necessary financing). Keywords: financial, behavior, investment, SSA, LQ.
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SHAPOVAL, YULIIA. "FINANCIAL DEPTH OF UKRAINE’S ECONOMY: SECTORAL CROSS SECTION." Economy of Ukraine 2022, no. 12 (December 26, 2022): 51–68. http://dx.doi.org/10.15407/economyukr.2022.12.051.
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Determining disparities in the formation of the financial depth of economy enabled to trace inconsistencies in the development of banking, non-banking sectors and capital market and, therefore, to reveal the imbalance in the entire process of financial deepening. Quantitative assessment of Ukraine’s banking sector in 2000 – August 2022 using the indicators of monetization of the economy (ratios of monetary base to GDP, M3 to GDP), banking system assets (ratios of NBU’s and banks’ assets to GDP, banks’ loans to GDP, banks’ investments in securities to GDP, the shares of bank loans to business entities and individuals, the shares of bank loans with a term of up to one year, the shares of consumer and mortgage loans to individuals), the ratio of banks' capital and liabilities to GDP (the shares of business entities’ and individuals’ deposits, the shares of term deposits) indicates a gap between banking depth and the needs of real sector, namely the lack of long-term financing and banks’ orientation to quick profits. Quantitative assessment of non-banking sector depth in 2005 – Q2 2022 (using the ratio of non-banking sector assets to financial sector assets; volumes of services provided by insurance companies, credit unions, financial companies and lessors, pawnshops, non-state pension funds) shows an increase in the share of financial companies’ assets and squeezing out of insurance industry since 2015. Quantitative assessment of capital market depth since the 2000s indicates its low role in the formation of financial depth due to the lack of financial instruments with high investment properties and insignificant volumes of liquidity of securities in circulation. Activation of bank lending and securities trading on stock exchanges are singled out as directions for improving the formation of Ukrainian economy’s financial depth.
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Haque, Mohammad Imdadul. "The Growth of Private Sector and Financial Development in Saudi Arabia." Economies 8, no. 2 (May 12, 2020): 39. http://dx.doi.org/10.3390/economies8020039.
Full textAbstract:
In an attempt to diversify itself away from the dominance of oil on its economy, Saudi Arabia needs to emphasize on the growth of its private sector. Currently, the private sector’s contribution to economic growth is meager as the oil sector dominates the economy. This study attempts to assess the role of financial development towards the growth of the private sector. Assessing this relationship is important, as it is quite probable that the dominant oil sector attracts the financial resources, affecting the private sector adversely. Johansen’s method of cointegration is applied on the data for the period 1985–2018. The private sector’s gross domestic product has a negative relation with the supply of money, positive relation with bank credit to private sector, and no significant relationship with share market capitalization, as shown by the results of the study. In addition, the private sector’s growth has a positive and significant relationship with government expenditure, investment, and trade openness. Hence, the study recommends further strengthening of financial sector services. Besides the current trend on government expenditure, investment and trade openness should continue to enable the private sector to contribute significantly to the economic growth of the country. A previous study on the private sector’s growth and financial variables is exclusively missing, and makes this study unique.
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Begolli, B., and A. Lajçi. "Water services sector reform: the Kosova experience." Water Supply 16, no. 1 (July 18, 2015): 26–33. http://dx.doi.org/10.2166/ws.2015.104.
Full textAbstract:
Governments of countries with emerging economies usually are not very successful in providing safe and sufficient potable water and adequate wastewater services to their citizens. The reasons vary from inadequate institutional structures to chronic under-investment in water infrastructure. To address this, governments embark on reforms based on commonly accepted principles of good governance such as: separation of policy, regulation and service delivery; protecting customer interests; and ensuring financial viability of water utilities and restructuring them so as to benefit from economies of scale and economies of scope. Kosova initiated water sector reforms in 2000 based on five pillars: (i) establishment of a legal and institutional framework, (ii) consolidation of 30 municipal water utilities into seven regional entities, (iii) incorporation in line with corporate governance principles, (iv) establishment of an independent economic regulator and (v) ownership and pushing of reforms by government. The paper describes the challenges encountered in implementing these reforms which, as far as the institutional and legislative framework is concerned, were successfully completed by 2008. Also, the difficulties associated with consolidation of newly created institutions resulting from the reform and defining their roles in the water services sector are described in the paper.