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1
Cerpa Vielma, Nicole, Hasan Cömert, Carmela D’Avino, Gary Dymski, Annina Kaltenbrunner, Eirini Petratou, and Mimoza Shabani. "Too big to manage: US megabanks’ competition by innovation and the microfoundations of financialization." Cambridge Journal of Economics 43, no. 4 (July 2019): 1103–21. http://dx.doi.org/10.1093/cje/bez027.
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Abstract Disagreements over the systemic implications—the future—of financialization can be traced in part to the absence of sustained attention to the role of banking firms in driving this secular shift forward. That is, the financialization literature lacks an adequate microfoundation. Accounting for the drivers of financialization processes solely at the macro level overlooks the problems of how these processes came about and whether they are sustainable. This paper addresses this explanatory gap, arguing that a key independent microeconomic driver of increasing financialization did exist: the incessant efforts by money-centre banks in the USA to break out of Depression-era restrictions on their size, activities, and markets. These banks’ growth strategies in turbulent times led to an institutional (meso) shift—the rise of a megabank-centred shadow banking system—that now shapes global financial architecture even while operating in ways that are unsustainable. In short, too-big-to-manage megabanks are at the heart of the fragility and instability of the economy today.
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Bakhit, Wael, and Salma Bakhit. "Banks' Stability." International Journal of Finance & Banking Studies (2147-4486) 3, no. 2 (April 21, 2014): 60–80. http://dx.doi.org/10.20525/ijfbs.v3i2.184.
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This paper employs a quarterly time series to determine the timing of structural breaks for interest rates in USA over the last 60 years. The Chow test is used for investigating the non-stationary, where the date of the potential break is assumed to be known. Moreover, we empirically examined the deviation from an assumed interest rate as given in a standard Taylor rule and consequences on financial sectors. The empirical analysis is strengthened by analysing the rule from a historical perspective and look at the effect of setting the interest rate by the central bank on financial imbalances. The empirical evidence indicates that deviation in monetary policy has a potential causal factor in the build up of financial imbalances and the subsequent crisis where macro prudential intervention could have beneficial effect. Thus, our findings tend to support the view, which states that the probable existence of central banks has been one source of global financial crisis since the past decade.
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Sabila, Fadiyah Hani. "KARAKTERISTIK DAN PENERAPAN ISLAMIC CORPORATE GOVERNANCE PADA PERBANKAN SYARIAH." FUADUNA : Jurnal Kajian Keagamaan dan Kemasyarakatan 2, no. 2 (August 24, 2019): 116. http://dx.doi.org/10.30983/fuaduna.v2i2.2072.
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<p><em>As one of the business entities under the umbrella of the unitary state of Indonesia, Islamic banks are also required to implement Good Corporate Governance which will henceforth be abbreviated as GCG. The application of GCG in Islamic banks is important considering Islamic banks are banks that use the principle of profit sharing. GCG is a requirement for Islamic banks to develop well and healthy. Good GCG implementation refers to five principles, namely accountability, transparency, independence, responsibility and fairness. The concept of Good Corporate Governance between conventional banks and Islamic banks is basically the same, but the difference between the two is the existence of Shariah compliance and the existence of the Sharia Supervisory Board (DPS). Islamic banks managed and owned by human resources who have integrity (good morals) and professionals, will encourage the implementation of the principles of good governance (Good Corporate Governance).</em></p>
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Correa, Amelia, and Romar Correa. "Some Cultural Foundations of Financial Macroeconomics." Journal of Business Accounting and Finance Perspectives 3, no. 1 (March 8, 2021): 1. http://dx.doi.org/10.35995/jbafp3010004.
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Mainstream economists concede that finance tests the deductive powers of the microfoundations model. Accordingly, we attempt to derive a structural model inductively through use of empirical studies and history. Culture is the means by which a task is set about. The term consists of the following elements. The unit of analysis is groups or classes as found in National Income accounts. The connection between them does not consist of substitution effects or conflict but complementarities and cooperation. Secondly, the economy is defined as the inseparable composite of the fiscal and the monetary authorities and the components of the private sector. Finally, finance eases the flow of production and consumption and investment. However, banks are beset with problems of asymmetric information and runs. Additionally, market finance is prone to bubbles and crashes. Elements of culture are required to hold fast during the interactions between the financial and the real world.
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Suhita, Sifa Uchtiat, and Hendri Hermawan Adinugraha. "General Public Perception of The Existence of Sharia Bank (Case Study in Tambakroto Village, Kajen District)." Kunuz: Journal of Islamic Banking and Finance 2, no. 1 (June 30, 2022): 30–44. http://dx.doi.org/10.30984/kunuz.v2i1.180.
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This study aims to determine the general public's perception of the existence of Islamic banks in Tambakroto village, Kajen sub-district. This research is a qualitative research with a descriptive approach. Data collection techniques through observation, interviews, and documentation of the local community. Meanwhile, the data analysis method uses interactive analysis techniques with analysis components consisting of data reduction, data presentation, and drawing conclusions/verification. The results of this study explain that people basically know about Islamic banks but do not know the concept of Islamic banks. Low knowledge is caused by various factors ranging from self where the family environment is not familiar with Islamic banks, when the location for Islamic banks is far not as much as conventional banks so that people are reluctant to switch to Islamic banks in addition to self factors related to targets where people hope in the future regarding bank progress. sharia in Tambakroto village. The factors that underlie the lack of knowledge of Islamic banks make people less interested in saving, transactions and other activities in Islamic banks. Efforts to overcome all problems and perceptions in Tambakroto village which can be started from socialization so that in the future Tambakroto village will experience progress in knowledge, interests, views about Islamic banks.
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Indra Kusuma, Septian, and Apriani Dorkas Rambu Atahau. "Islamic Commercial Banks and Sharia Business Units; How Efficient Are They?" Jurnal Organisasi dan Manajemen 15, no. 2 (September 4, 2019): 141–52. http://dx.doi.org/10.33830/jom.v15i2.733.2019.
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The purpose of this study is to determine the efficiency level of Islamic commercial banks and Sharia Business Units for the period of 2012-2017 and to examine the existence of size effect in bank efficiency. Using Data Envelopment Analysis (DEA) method, this research employs total assets, deposits, and operating costs as the inputs, while the output is total financing and operating income. The samples are 11 Islamic commercial Banks and 20 Sharia Business Units. Results of this study show that Islamic commercial banks are more efficient than Sharia Business Units during the period of analysis and large Islamic commercial banks are more efficient than small sharia business units which provide evidence of size effect existence in bank efficiency. Thus, the policymaker needs to consider bank size in policy formulation regarding bank efficiency.
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Lestari, Dini Maulana, M. Roif Muntaha, and Immawan Azhar BA. "Peran Bank Syariah: Menuju Perekonomian Masyarakat Madani." Mabsya: Jurnal Manajemen Bisnis Syariah 1, no. 2 (December 26, 2019): 131–44. http://dx.doi.org/10.24090/mabsya.v1i2.3461.
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Islamic banks are present in the community as financial institutions whose activities are based on the principles of Islamic law for the benefit of the people. This study aims to determine the strategic role of Islamic Banks as financial service institutions, the importance of the existence of Islamic Banks and Islamic-based markets and financial instruments in them. In its development, Islamic banks have a role as institutions that turn on public funds, channel funds to the public, transfer assets, liquidity, reallocation of income and transactions. In the Indonesian economic system, the existence of Islamic Banks is important as an alternative solution to the problem of conflict between bank interest and usury. Islamic financial markets and instruments provide a free society of interest and follow a different set of principles. Distribution of profit/ loss according to evidence of participation in the management fund. The division of rental income in the form of musharaka.
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Ireland, John J. "Just how loyal are Islamic banking customers?" International Journal of Bank Marketing 36, no. 3 (May 8, 2018): 410–22. http://dx.doi.org/10.1108/ijbm-09-2016-0138.
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Purpose The purpose of this paper is to determine the rate difference required to persuade Islamic banking customers to switch to conventional banks. Design/methodology/approach A choice-based conjoint analysis survey was administered to 300 UAE Islamic banking customers. Customer utilities for Islamic and conventional banks, products and prices were developed to test hypotheses while a market simulation estimated the impact of rate changes on choice shares. Findings Overall, Muslim customers of Islamic banks strongly preferred Islamic banks and products. However, 43 percent were willing to switch to conventional banks to obtain better rates. Indeed, the share choosing conventional banks rose from 25 percent when rates were the same to 68 percent when conventional products offered 2 percent better rates. Research limitations/implications This research requires replication and extension in appropriate contexts such as Malaysia and Indonesia. Moreover, the existence of price sensitivity tiers implies underlying benefit segments that should be studied. Practical implications As so many Islamic banking customers would switch to conventional banks for better rates, it seems that conventional banks compete with Islamic banks for most clients. Islamic banks should price accordingly. Originality/value This is the first study to quantify the loyalty of Islamic banking customers in terms of price and, consequently, the first to demonstrate the existence of price sensitivity tiers. It is also the first in this field to apply conjoint analysis and market modeling.
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Djakfar, Muhammad. "Prospek Bank Syari'ah Studi Pendahuluan Pandangan Mahasiswa STAIN Malang." ULUL ALBAB Jurnal Studi Islam 4, no. 1 (December 26, 2018): 5–31. http://dx.doi.org/10.18860/ua.v4i1.6116.
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This research is to describe the students' opinion on shariah banks in Malang. In this qualitative research, in-depth interview and documentary analysis were used to obtain the needed data. The findings showed that (I) the shariah banks were not sufficiently socialized, (2) the respondents stated that the system applied by the shariah banks were not different from the conventional ones, (3) the respondent supported the existence of these syariah banks as these syariah banks were intended to apply Islamic principles. The three opinions were determined by the respondents' social interaction, advertisement of bank, or academic activities (seminar, workshop, etc) which offered the relevant topics on syariah banks.
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., Yuhelson. "Existence of Dependent Rights Guarantee Binding Related to Financing of Musyarakah Facilities in Islamic Banking." Webology 19, no. 1 (January 20, 2022): 1782–97. http://dx.doi.org/10.14704/web/v19i1/web19119.
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In the musyarakah financing contract, there is the imposition of mortgage rights, which will be auctioned if the customer does not pay the installments to the Islamic bank. However, the concept of musharakah itself does not recognize any mortgage rights, because musharakah adheres to the principle of profit sharing and losses being shared, with the imposition of mortgage rights on musharakah financing creates legal uncertainty for customers, because banks do not want to bear losses together with customers. From the results of the study it was concluded that, the implementation of the binding of mortgage guarantees in musyarakah financing is basically the same as the binding of mortgage guarantees on conventional banks, only regarding the execution of mortgage guarantees musyarakah financing in Islamic banks Courts while in conventional banking in the District Court, and the binding of Mortgage on musyarakah financing is not guaranteed by law, in Law No. 21 of 2008 concerning Islamic Banks it does not regulate mortgage rights in musyarakah financing, and also the imposition of mortgage rights on musyarakah financing proves that Islamic banks do not want to participate in the loss of musharakah financing. With the uncertainty due to the imposition of mortgage rights on musyarakah financing, customers do not get certainty of their rights actually in musharakah financing.
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Agung, Juda. "FINANCIAL DEREGULATION AND THE BANK LENDING CHANNEL IN DEVELOPING COUNTRIES: THE CASE OF INDONESIA." Buletin Ekonomi Moneter dan Perbankan 3, no. 1 (October 11, 2003): 121–45. http://dx.doi.org/10.21098/bemp.v3i1.290.
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The dominant role of commercial banks as a source of finance and the considerable asymmetry of information in financial markets in developing countries have raised an argument that the bank lending channel of monetary transmission mechanism would be very important in such countries. This study addresses the issue by investigating empirically whether there are differential effects of monetary policy on banks’ balance sheets, and its implications to the existence of the bank lending channel of monetary policy in Indonesia, especially since the early 1980s when the government adopted a policy of financial deveculation. We find significant differences of balance sheet behavior across bank clashes in response to a change in monetary policy, consistent with the predictions of the bank lending view. We also found that because of access to foreign funds and the existence of bank loan commitment, the monetary policy was unable to constrain loan supply by the large (state) banks, indicating that the bank lending channel operates through smaller (non-state) banks.
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Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (July 15, 2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.
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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measures meant to encourage banks to merge. By Shrawan 2076, commercial banks are required to maintain an average interest rate spread (the difference between rates on loans and deposits) of 4.4 percent from the current 4.5 percent; banks that complete mergers and acquisitions by that time will get a one-year extension. Also, by Shrawan 2076, commercial banks are required to float at least 25 percent of their paid-up capital in debentures; banks that decide to tie the knot by that deadline will get a one-year reprieve. A merged bank also does not have to seek Nepal Rastra Bank's approval to open new branches. Currently, the board of directors, CEOs and deputy CEOs are required to abide by a cooling-off period of six months during which they cannot join another bank. This restriction will not apply to executives of a merged bank. The argument for mergers and acquisitions go something like this. There are just too many banks and financial institutions in Nepal. As of Ashad 2076, there were 28 commercial banks (Class A), 32 development banks (Class B), 24 finance companies (Class C) and 91 micro-credit companies (Class D). Conceivably, larger banks should be able to fund large infrastructure projects individually. The existence of larger Nepali banks could also make it easier for them to branch into India. Bigger Nepali banks will be able to compete with foreign banks better on Nepali soil.
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Darmisah, Peni, and Saiin Saiin. "Pengaruh Religiositas terhadap Minat Mahasiswa Menabung di Bank Syariah." AL-Muqayyad 4, no. 1 (June 30, 2021): 25–35. http://dx.doi.org/10.46963/jam.v4i1.339.
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As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count was 14,832, and the t table was 1,975 < t count 14,832 with a significance of 0.000 under 0.05. Therefore, it concluded that religiosity significantly affects the saving interest of students at Islamic Banks.
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Ying, Lai. "Interest Rate Liberalization and Commercial Banks Profitability: Evidence from China." International Journal of Economics and Finance 12, no. 5 (April 20, 2020): 90. http://dx.doi.org/10.5539/ijef.v12n5p90.
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Enhanced profitability is an important guarantee to improve the well-being of people and better exert the functions of commercial banks in promoting economic, social and production growth on the premise of the existence and development of commercial banks. Interest rate liberalization is one of the key factors which can affect the profitability of commercial banks. An empirical study is thus carried out on 16 Commercial banks (from 2007 to 2018) to analyze the impact of interest rate liberalization on the profitability of commercial banks. We draw main conclusions from this study: (1) the progress of interest rate liberalization has improved the profitability of banks. (2) This kind of impact is inverted U-shaped, that is, with the advancement of interest rate liberalization, the impact will be reversed in the future. (3) For banks of different sizes, the impact is different. Specifically, small and medium-sized banks are more sensitive to the liberalization of interest rates, while for larger banks, the impact is not strong.
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Nugroho, Lucky, Akhmad Amien Mastur, Harnovinsah Harnovinsah, and Widya Aryanti. "The Contribution of Islamic Bank in Poverty Alleviation." Al-Ahkam 30, no. 1 (April 30, 2020): 19. http://dx.doi.org/10.21580/ahkam.2020.30.1.5387.
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<p class="IABSSS">The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The results of the study note that financing has a negative and significant effect, namely, the higher the financing of Islamic banks, it will reduce poverty. However, the total assets and the number of networks that have a positive and significant effect, namely the increase in total assets and branch networks, it will affect the increasing amount of poverty. That is because the assets of Islamic banks are supported by the majority savings and the not optimal yet of distribution of financing from Islamic banks to the community. Also, the existence of the Islamic branch office tends to be found in provincial capitals and big cities, so that the communities in rural and remote areas are still not reached by Islamic banks.</p>
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Gianfrate, Gianfranco, Emilio Santangelo, and Laura Zanetti. "Private benefits of control in the banking industry: A cross-country analysis." Corporate Ownership and Control 10, no. 1 (2012): 487–98. http://dx.doi.org/10.22495/cocv10i1c5art1.
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The study explores the existence and magnitude of private benefits of control in the banking industry around the world. By analyzing 157 control-transfer transactions for banks in 40 countries, we are able to detect the existence of an average 3.3% block transaction premium as a measure of private benefits of control. Consistent with the legal origin theory about the protection of minority shareholders, we find that banks operating in French civil law regimes show on average higher premiums than the banks operating in other legal frameworks. The paper also investigates to what extent regulation and public policies can curb those benefits thus enhancing bank governance. While bank-specific regulation generally does not seem to have a substantial impact on private benefits of control, the regulation on entry appears to play a moderate role in curbing those benefits
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Nurizki, Anisa, Muhammad Irfan Hanifiandi Kurnia, Anwar Fitrianto, Bagus Sartono, Sachnaz Desta Oktarina, and Dian Handayani. "Analisis Karakteristik Keberadaan Perbankan di Nusa Tenggara Barat Terhadap Kondisi Perekonomian Daerah Menggunakan K-Means Clustering." Jurnal Statistika dan Aplikasinya 6, no. 2 (December 31, 2022): 253–63. http://dx.doi.org/10.21009/jsa.06211.
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In certain areas, there are still many people who have to travel long distances to access some banks. Difficult mobility is considered to hinder business activities. The West Nusa Tenggara (NTB) Province is one of the favorite travel destinations for some foreigner tourists as well as domestic tourists because of its natural beauty and cultural diversity. the existence of some banks in the NTB Province , is important to facilitate the circulation of money. For this reason, this study aims to analyze the existence of some banks in the NTB Province and the condition of mobility in accessing themto regional economic conditions by applying K-Means clustering. Our results show that there are two clusters, , where the cluster 2 is an urban area and a tourist area. It has charactersitic has a GDP greater than cluster 1.
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Tamang, Man Kumar, and Uday Narayan Yadav. "Establishing Bio-bank in Nepal." Journal of Nepal Health Research Council 18, no. 2 (September 8, 2020): 335–36. http://dx.doi.org/10.33314/jnhrc.v18i2.2208.
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Globally, the establishment of bio-banks began around 1990s when scientists felt need for collaborative researches in biomedical field. Bio-banks collect and preserve biological specimens which are provided to researchers to investigate about specific disease or treatment. In Nepal, eye bank and skin bank are only two types of bio-banks currently in existence. However, specimens collected in these bio-banks are used only for medical treatment, not for research. With this regard, there is urgent need to establish bio-banks in Nepal. In this article, we aim to provide insights on current status of bio-banking and its benefits for scientific development of Nepal. Keywords: Bio-bank; eye bank; Nepal; skin bank
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Revankar, Ashok. "REGIONAL RURAL BANK’S FOUR AND A HALF DECADE JOURNEY." GAP iNTERDISCIPLINARITIES - A GLOBAL JOURNAL OF INTERDISCIPLINARY STUDIES 3, no. 3 (July 28, 2020): 45–51. http://dx.doi.org/10.47968/gapin.33008.
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Regional Rural Banks have been conceived mainly for meeting the requirements of ruralites and to uplift them by providing necessary timely financial assistance. The regional Rural banks appeared in the Indian banking map with a number of objectives. In spite of their success and failure, these banks definitely tried to reach the rural mass. These banks which emerged as new species in the arena of Indian banking system have done a good work and have to travel a long way by facing many challenges. In the process of rural development certainly Regional Rural Banks are playing crucial role. Their existence is necessary, and they have to come out with strong, viable institutions in the days to come.
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Utama, Cynthia A., and Haidir Musa. "The Causality between Corporate Governance Practice and Bank Performance: Empirical Evidence from Indonesia." Gadjah Mada International Journal of Business 13, no. 3 (September 12, 2011): 227. http://dx.doi.org/10.22146/gamaijb.5481.
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The aim of this study is to examine the existence of causality between corporate governance practice and performance of commercial banks in Indonesia. We also investigate the influence of age, capital adequacy, and type of commercial banks on bank performance and examine the influence of the bank size, foreign ownership, and listing status on corporate governance practice. The result shows that corporate governance practice, bank size and capital adequacy ratio have positive influences on bank performance in Indonesia. However, bank performance does not influence corporate governance practice. This study also finds that regional banks have better performance than private banks. The results of the study support the Central Bank’s efforts to enhance CG practices in the banking sector, to strenghten banks’ capital base and its policy to encourage banks to merge to become larger.
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Monia Ben Latifa, Monia Ben Latifa. "Contagion between Islamic and Conventional Banks in Malaysia: Empirical Investigation using a DCC-GARCH Model." journal of king Abdulaziz University Islamic Economics 31, no. 1 (January 11, 2018): 167–78. http://dx.doi.org/10.4197/islec.31-1.11.
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The purpose of this paper is to compare the stability, in terms of contagion, of conventional and Islamic banks in Malaysia. We use a DCC-GARCH model to estimate the dynamic conditional correlation (a measure of financial contagion) for a sample of one Islamic bank and eight conventional banks during the period from March 31, 2004 to March 18, 2014. From the empirical findings, we show that the conditional correlation between the returns of conventional and Islamic banks in Malaysia increased during the period of financial crisis. This finding implies the existence of a financial contagion effect between Islamic and conventional banks in Malaysia. Also, we find that financial contagion represents a major factor for the transmission of risk between Islamic and conventional banks.
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Sagantha, Fitri. "MENINJAU KINERJA BANK SYARIAH DI INDONESIA." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 3, no. 1 (January 1, 2020): 31–40. http://dx.doi.org/10.37481/sjr.v3i1.123.
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To show the role, then show the performance. Maybe, the term is right for the bank. The existence of banks influences economic stability, therefore financial performance must be good. There is no choice but to increase the entire financial ratio. Interest in reviewing the financial ratios of banks, especially Islamic banks, is the goal to be achieved in this study. Use financial statements as data, and analyze the extent of their performance and influence. For this reason, a quantitative approach and regression analysis are needed. So that research results can be explained properly. The findings in this study suggest that the performance of Islamic banks is relative. Its role is not yet at a significant stage for the economy, and it is still far from conventional banks
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Rehman, Nadeem Ur, and Kiran fatima. "Is Digital Financial Inclusion Valuable to Banks' Profitability and Long-Term Economic Development? Developing Asia Indications." Scandic Journal Of Advanced Research And Reviews 2, no. 3 (June 13, 2022): 039–69. http://dx.doi.org/10.55966/sjarr.2022.2.3.0042.
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he current study was an attempt to examine and ensure the existence of relationship between digital financial inclusion and banks economic stability and the importance of DFI for banking organizations of Asian countries. The current study incorporated data from six different countries and sixty-five banks primarily Islamic banks, as Islamic banking system has proved itself reliable in the times of DFC of 2007-09 and their contribution to improve and stable the global economy during and after the financial crises of 2007-09 and Covid-19.
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Hamja, Hamja. "PERAN BANK INDONESIA DALAM KEJAHATAN PERBANKAN YANG DILAKUKAN OLEH BANK BALI." Yustitia 4, no. 2 (October 22, 2018): 162–77. http://dx.doi.org/10.31943/yustitia.v4i2.42.
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The existence of a central bank is also needed to regulate and supervise banks so that their activities can develop healthy and run smoothly so that it can encourage economic activities. This is considering that the existence of an impartial regulator will bring banks to carry out their operations efficiently and be able to advance economic development. In the interbank payment system, Bank Indonesia has the duty to regulate and maintain a smooth payment system. Including the problems that occurred in the case of Bank Bali, the task of Bank Indonesia as an institution that regulates and maintains a smooth payment system between BDNI and Bank Bali.
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Matveevskii, S. S. "EVALUATION OF THE EFFICIENCY OF DEVELOPMENT BANKS ACTIVITIES AS AN IMPORTANT FACTOR OF ECONOMIC SUCCESS (ON THE EXAMPLES OF GERMAN, ASIAN AND AFRICAN DEVELOPMENT BANKS)." Vestnik Universiteta, no. 4 (May 27, 2019): 151–57. http://dx.doi.org/10.26425/1816-4277-2019-4-151-157.
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The existence of a system for assessing the activities of development banks is a necessary condition for a significant contribution of banks to economic development. The article deals with the experience of evaluating the effectiveness of projects and activities of development banks on the examples of the German development Bank, the Asian development Bank and the African development Bank. It has been revealed, that development banks for the evaluation of projects, their activities apply financial and socio-economic indicators, which are used to improve the work of development banks. The basic requirements for the evaluation of projects and activities of development banks have been formulated. The practical experience of the German development Bank, the Asian development Bank and the African development Bank can be used by Vnesheconombank, which is confirmed by scientific studies of Russian authors.
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Duho, King Carl Tornam, Joseph Mensah Onumah, and Emmanuel Tetteh Asare. "Determinants and convergence of income diversification in Ghanaian banks." Journal of Research in Emerging Markets 2, no. 2 (April 5, 2020): 34–47. http://dx.doi.org/10.30585/jrems.v2i2.499.
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The study explores the determinants of income diversification, as well as, test for the existence of beta-convergence and sigma-convergence among Ghanaian banks. The study utilizes a dataset of 32 banks covering the periods 2000 to 2017. The panel corrected standard error ordinary least squares, fixed effects and system generalized methods of moments have been used. Both beta-convergence and sigma-convergence exist among Ghanaian banks; suggesting the presence of the catch-up effect and similarity of strategy over time. The risk profile and risk portfolio of banks affect their diversification strategy. Banks that are faced with high insolvency risk and liquidity risk tend to diversify while banks that are faced with low credit risk tend to diversify. Stable banks tend to adopt a diversification strategy even when they are exposed to credit risk. Network embeddedness drives diversification strategy. The implications of the study for practice, policy, and future research have been discussed.
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Kristiawan, Rochmad, and Prasetiono Prasetiono. "PENGARUH SIZE, NPL, EQUITY TO ASSET RATIO, LDR, GWM, LABOR PRODUCTIVITY DAN MARKET CONCENTRATION TERHADAP KINERJA BANK (Studi pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2014-2018)." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (February 22, 2022): 61–70. http://dx.doi.org/10.14710/jsmo.v17i1.39203.
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The existence of different levels of bank’s performance in each Indonesian banks and the existence of banks with under level performance makes research on the factors that influence bank’s performance becomes more important to be examined. The aim of the research is to analyze the effect of size, size, Non-performing Loan (NPL), Equity to Asset Ratio (EAR), Loan to Deposit Ratio (LDR), reserve requirement (GWM), labor productivity and market concentration (which is proxied by market share of each bank) on the performance of listed conventional banks in Indonesia. The bank’s performance in this research is measured by Return on Asset (ROA).The research sample used are 25 listed conventional banks in Indonesia for the 2014-2018 period. The data selection method used in this research is purposive sampling method. The hypothesis testing of this study using multiple linear regression analysis with SPSS 26 program.The study found that size, Equity to Asset Ratio (EAR), labor productivity and market share have a significant positive effect on bank’s performance. Non-performing Loan (NPL) have a significant negative effect on bank’s performance. Loan to Deposit Ratio (LDR) and Reserve requirement (GWM) have a positive but not significant effect on bank’s performance
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Awwad, Bahaa Sobhi AbdeLatif. "Market power and performance: An Islamic banking perspective." Corporate Ownership and Control 15, no. 3-1 (2018): 163–71. http://dx.doi.org/10.22495/cocv15i3c1p2.
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This study aims to test the theories of market power and its role in interpreting the performance of Islamic banks in the GCC countries. Based on data from 22 Islamic banks for the period 2012-2017, using standard models, market power theories were unable to explain the returns of Islamic banks in the Gulf. Accordingly, these results deny the existence of an impact of monopoly in the structure of the Islamic banking sector in the performance of this sector, as well as the impact of traditional efficiency in its performance.
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Zhabina, Svetlana. "Econometric Analysis of Bank Lending Channel Efficiency in Russia." Moscow University Economics Bulletin 2017, no. 3 (June 30, 2017): 61–79. http://dx.doi.org/10.38050/01300105201734.
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The paper investigates the relationship between monetary policy indicator and bank lending in Russia using dynamic panel regressions and quarterly banks’ balance sheets data for the period of 2010- 2016. The main purpose of the paper is to identify bank characteristics, which determine the reaction of bank lending to monetary policy shocks. The results support the existence of a bank lending channel of monetary transmission. The extent to which banks change lending in response to monetary policy changes depends on banks’ liquidity, size and refinancing from the central bank.
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Morgan, Donald P. "Rating Banks: Risk and Uncertainty in an Opaque Industry." American Economic Review 92, no. 4 (August 1, 2002): 874–88. http://dx.doi.org/10.1257/00028280260344506.
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The pattern of disagreement between bond raters suggests that banks and insurance firms are inherently more opaque than other types of firms. Moody's and S&P split more often over these financial intermediaries, and the splits are more lopsided, as theory here predicts. Uncertainty over the banks stems from certain assets, loans and trading assets in particular, the risks of which are hard to observe or easy to change. Banks' high leverage, which invites agency problems, compounds the uncertainty over their assets. These findings bear on both the existence and reform of bank regulation.
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Zhang, Zhaohui, and Khondkar E. Karim. "Is Too-Big-To-Fail Policy Effective for US Banks in an International Currency Crisis?" Review of Pacific Basin Financial Markets and Policies 07, no. 03 (September 2004): 311–33. http://dx.doi.org/10.1142/s0219091504000196.
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This study investigates the current role of the US "too-big-to-fail" (TBTF) policy for US banks in an international currency crisis in late 1997. It has been documented (Zhang, 2001) that the International Monetary Fund (IMF) term loan announcements concerning South Korea in late 1997 significantly increased the implicit value of the US bank loans and investments to South Korea and hence, the equity values of its US bank creditors. Using the market model, this paper examines the potential abnormal performance of the TBTF banks and the non-TBTF banks from different perspectives during mid-November to early December 1997. The evidence indicates the potential effectiveness of the implicit TBTF policy for US banks in the international currency crisis and the existence of the different pricing behavior of different groups of banks.
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Khalidin, Bismi, and Raja Masbar. "Interest Rate and Financing of Islamic Banks in Indonesia (A Vector Auto Regression Approach)." International Journal of Economics and Finance 9, no. 7 (June 22, 2017): 154. http://dx.doi.org/10.5539/ijef.v9n7p154.
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Not only do commercial banks but also Islamic banks take part towards the economic growth and stability in Indonesia. Islamic banks through the financing services provide sources of fund for investment activities. However, Islamic banks do not employ variable of interest rate in financing activities because it is prohibited in Islam. The banks utilize a profit sharing rate (PSR) system instead. Moreover, the banks must avoid themselves from the influence of interest rate directly or indirectly. This paper aims at exploring the existence of interest rate towards the financing of the Indonesian Islamic banks. By using the VAR method and monthly-based time series data from 2009-2015, interest rate represented by commercial banking rates for consumption (CBRc) and for working capital (CBRwc), the research result indicates that the Islamic banks’ financing in Indonesia is indirectly influenced by interest rate. Both the Granger causality and the Pearson correlation tests show that the financing correlate significantly with the rate. The correlation between them is also proved by Impulse Response Function (IRF).
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Sarkar, Sanjukta, and Rudra Sensarma. "Risk-taking Channel of Monetary Policy: Evidence from Indian Banking." Margin: The Journal of Applied Economic Research 13, no. 1 (December 6, 2018): 1–20. http://dx.doi.org/10.1177/0973801018800088.
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Some recent articles have studied the link between the central bank’s monetary policy stance and the risk-taking behaviour of banks in the context of advanced economies. Loose monetary policy can encourage banks to reach for yield, which will increase their share of risky assets, and also induce them to use more short-term funding. We empirically examine the existence of this risk-taking channel of monetary policy transmission in India. We find that expansionary monetary policy may increase default risk particularly for foreign banks and new private sector banks. We also find that tightening of monetary policy leads to lower liquidity risk and market risk and the effects are stronger for foreign banks than for other bank groups. In terms of market risk, the effect on foreign banks is weaker in cases of monetary tightening compared to expansion. JEL Classification: G21, G28, G32
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Fan, Hong, and Hongjie Pan. "The Effect of Shadow Banking on the Systemic Risk in a Dynamic Complex Interbank Network System." Complexity 2020 (May 18, 2020): 1–10. http://dx.doi.org/10.1155/2020/3951892.
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After the financial crisis triggered by the subprime mortgage crisis in the United States in 2008, many scholars believed that the unstable transmission of shadow banking business in the banking system is the main factor causing financial turmoil. This paper proposes a dynamic complex interbank network system model with shadow banking in which the dynamic complex interbank network system differs from the traditional banking network and is formed by the interrelated business between shadow banks and commercial banks to explore the effect of shadow banking on the systemic risk. The results show that the existence of shadow banking will increase the systemic risk, accelerate the speed of bankruptcy of banks, reduce the survival ratio of banks, and increase the strength of central bank assistance. The smaller the number of shadow banks in the system, the higher the degree of credit connection among commercial banks and the smaller the systemic risk.
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Et.al, Azam Abdelhakeem Khalid. "The Role of Shariah Supervisory Board in Legitimizing the Existence of Sudanese Islamic Banks through Social Responsibility Reporting." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (April 10, 2021): 432–40. http://dx.doi.org/10.17762/turcomat.v12i3.748.
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Purpose -This study empirically investigates the function of Shariah Supervisory Board (SSB) in legitimizing the social and ethical existence of Sudanese banks through the dissemination of data onIslamic social in annual reports.
Design/methodology/approach -The paper examines a panel dataset covering the period 2006 – 2015 through the use of disclosure index and content analysis from 150annual reports of Sudanese banks. The role of SSB is expressed from the aspects of Corporate Governance mechanisms (i.e. board size, independency, doctoral qualification, cross- directorship, and the overall effect of SSB mechanisms).The current study employs the multiple regression models by using STATA-13 statistical toolin answering the research questions.
Findings -The empirical results indicate that the board size, doctoral qualification, and cross-directorship of the members were positively correlatedwith the disclosure degree of Islamic Corporate Social Responsibility (ICSR) in the annual reports of Sudanese Islamic banks, which is in favour of legitimacy theory. Meanwhile, results indicate that, in contrary to legitimacytheory’s assumptions,the independence of SSB members is found to negatively correlate with the ICSR level of disclosure of the sampled Sudanese banks’ annual reports. Furthermore, the overall effects of SSB mechanisms are found to positivelyimpact the ICSR disclosure level. The study’sfindings add new empirical evidence to support the view that social information disclosure by companies is influenced by country- cultural context within which the company operates.
Theoretical implication - In theory, this paper offers an analysis on CSR in Sudan from Islamic point of view. This paper is vital in view that social responsibility is highly regarded by Islam. Therefore, social responsibility must be adopted by all Islamic organizations, particularly the Islamic banks.
Originality/value – From the researchers’ perspective, this study is the pioneer thatinvestigates the role of SSB on Sudanese Islamic banks through social responsibility reporting using legitimacy theory.
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Hou, Shehong. "The Nonlinear Relationship between Banks Competition and Financial Stability in China." International Journal of Economics and Finance 13, no. 9 (July 31, 2021): 33. http://dx.doi.org/10.5539/ijef.v13n9p33.
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For the deeply impacts of China’s banks stability on itself and world economy, we use dynamic GMM method to investigate the nonlinear relationship between banks competition and their stability. When competition is lower than certain level, the “competition-stability” comes into existence, otherwise “competition-fragility” holds on. The stock market disaster in 2015 does not have significant influence on the z-scores of banks, but it caused the non-performance loans increase evidently. The separate supervision and separate operation of financial industry may be the main reasons for the above results. China should take some actions to maintain appropriate competition for the stability of its banks system.
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Scannella, Enzo. "Credit derivatives disclosure in banks’ risk reporting: Empirical evidence from four large European banks." Risk Governance and Control: Financial Markets and Institutions 9, no. 2 (2019): 34–46. http://dx.doi.org/10.22495/rgcv9i2p3.
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This paper aims to analyze the derivatives disclosure in banks’ annual risk reports. In this paper, the author uses content analysis to examine the qualitative and quantitative profiles of the derivatives disclosure at a cross-country level, with particular reference to credit derivatives. The empirical research is conducted on a sample of large European banks. The paper also shows that there is room to improve various aspects of derivatives disclosure, and provides some useful insights for further research. The derivatives disclosure in banks’ annual risk reports has deep managerial, financial, regulatory and accounting implications at a firm and industry levels, and the comprehension of the rational underlying it is critical to maintaining competitive advantages in the banking industry and informational and allocative efficiency in the financial markets. Although the existence of substantial research on credit derivatives and financial statements in the literature, none have directly focused on credit derivatives disclosure at a cross-country level applying the content analysis based on an objective evaluation approach. It leaves a gap that the paper aims to overcome.
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Steven, Christine, and Bernd Krauskopf. "The Institutional Framework of the European System of Central Banks: Legal Issues in the Practice of the First Ten Years of its Existence." Common Market Law Review 46, Issue 4 (August 1, 2009): 1143–75. http://dx.doi.org/10.54648/cola2009047.
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In this contribution, some legal issues are described that have played a role in the in the first ten years of the European System of Central Banks’ existence. While the institutional framework established in Maastricht for the introduction of the euro and the functioning of the European System of Central Banks has proven to be legally sound and forms an appropriate basis for a successful monetary policy in the euro area, several legal issues have arisen that have been controversially discussed. The following issues are explored: (1) the legal status of the European System of Central Banks/ European Central Bank in the Community/ potential future Union framework, (2) the competences of the decision-making bodies of the European Central Bank, (3) the allocation of tasks and competences to national central banks and the European Central Bank in the context of the so-called principle of decentralization, (4) the new voting regime of the Governing Council of the European Central Bank entailing a rotation of voting rights of the national central banks’ Governors and (5) the allocation of monetary income. The article concludes with the expectation that issues sur-rounding the allocation of tasks and competences within the System and forms of cooperation between central banks will become more and more important, further, that legal issues will need to be resolved concerning the involvement of the European System of Central Banks in the future framework for financial supervision in the European Union.
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Nur Iman, Achmad, Raditya Sukmana, Alfath Shifa Ghifara, and Akhmad Kusuma Wardhana. "The Effect of Zakat Collection, Company Age, and Company's Total Assets on Financial Performance of Sharia Banking in Indonesia 2019-2020." Economic Education and Entrepreneurship Journal 5, no. 2 (June 10, 2022): 217–24. http://dx.doi.org/10.23960/e3j/v5i2.217-224.
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This study aims to determine the relationship of the collection of Zakat, bank age, and total assets to the financial performance of Islamic banking in a sample of several Islamic banks in Indonesia in 2020 using multiple linear logistic regression test in the 2016-2020 period. The results show that company age and total assets of Islamic banks have a positive and significant effect on the spatial performance of Islamic banks. Meanwhile, what happened to the collection of zakat, the data showed that the collection of zakat of Islamic banks did not have a significant positive effect on the financial performance of Islamic banks. It is suspected that the large standard deviation of the zakat variable causes the first hypothesis to be unsupported. The existence of third party funds (DPK) is also suspected of having an effect on the unsupported first hypothesis.
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Ahmed, Sarwar Uddin, Ashikur Rahman, Samuel Parvez Ahmed, and Wali Ullah. "Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh." International Journal of Finance & Banking Studies (2147-4486) 3, no. 4 (July 21, 2014): 84–97. http://dx.doi.org/10.20525/ijfbs.v3i4.193.
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Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.
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Chen, Qing Jiang, and Lang Zhao. "Characteristics of Subspace Affine Pseudoframes with Filter Banks." Applied Mechanics and Materials 20-23 (January 2010): 1046–52. http://dx.doi.org/10.4028/www.scientific.net/amm.20-23.1046.
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In this work, the notion of an 3-band generalized multiresolution structure (GMS) of sub- -space L2 (R) is proposed. The characteristics of affine pseudoframes for subspaces is investigated. The construction of a GMS of Paley-Wiener subspace of L2 (R) is studied. The pyramid decompo- -sition scheme is obtained based on such a GMS and a sufficient condition for its existence is provided. A constructive method for affine frames of L2 (R) based on a GMS is presented.
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Kashyap, Anil K., and Jeremy C. Stein. "What Do a Million Observations on Banks Say About the Transmission of Monetary Policy?" American Economic Review 90, no. 3 (June 1, 2000): 407–28. http://dx.doi.org/10.1257/aer.90.3.407.
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We study the monetary-transmission mechanism with a data set that includes quarterly observations of every insured U.S. commercial bank from 1976 to 1993. We find that the impact of monetary policy on lending is stronger for banks with less liquid balance sheets—i.e., banks with lower ratios of securities to assets. Moreover, this pattern is largely attributable to the smaller banks, those in the bottom 95 percent of the size distribution. Our results support the existence of a “bank lending channel” of monetary transmission, though they do not allow us to make precise statements about its quantitative importance. (JEL E44, E52, G32)
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Utama, Andrew Shandy. "Perbandingan Implementasi Prinsip Good Corporate Governance pada Bank Konvensional dan Bank Syariah." Jurnal Daya Saing 2, no. 1 (February 15, 2016): 39–45. http://dx.doi.org/10.35446/dayasaing.v2i1.43.
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Abstract: In principle, the relationship between the bank and its customers are saving money in the bank based on the relationship of trust, so that each bank is required to have to continue to maintain the level of health. Solutions that can be taken by the banks, both conventional banks and Islamic banks, to maintain the existence and level of health is with the implementation of the principles of good corporate governance. Therefore, it is interesting to examine the comparison of implementation of the principles of good corporate governance in conventional banks and Islamic banks. The method used in this study is a normative legal research. This research use approach legislation. The results showed that in essence, the implementation of the principles of good corporate governance in conventional banks and Islamic banks are the 'same', because it refers to the "Code of Good Corporate Governance Indonesian Banking" issued by the National Committee on Governance (NCG). The fundamental difference lies in Islamic principles used by Islamic banks. In addition to guided and supervised by the Financial Services Authority as conventional banks, Islamic banks are also supervised by the National Sharia Board MUI and Sharia Supervisory Board who served in each Islamic bank.
Keywords: The Principles of Good Corporate Governance
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Budhijono, Fongnawati, Sugiarto Sugiarto, and Muhammad Fuad. "Post hoc test of Indonesia domestic systemically important banks performance at the ASEAN-5 level." IDEAS: Journal of Management & Technology 1, no. 2 (December 30, 2021): 34. http://dx.doi.org/10.33021/ideas.v1i2.3428.
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<p><em>This study aims to examine whether the existence of strong banking interconnectivity in ASEAN brings about equality in bank performance, especially for banks that are classified as Domestic Systemically Important Banks (D-SIB). This study traces the performance of D-SIB banks operating in Indonesia at the ASEAN-5 level (Indonesia, Malaysia, Thailand, the Philippines, and Singapore) in 2007-2019. ROA is used to indicate bank performance, especially related to bank profitability, which is an important aspect for bank sustainability. The research data was obtained from the official websites of financial organizations and institutions such as World bank, IMF, OJK, Bloomberg terminal, and financial statements of banks in ASEAN-5 with a sample of 31 D-SIB banks. By using descriptive analysis and ANOVA as well as post hoc tests and scatter diagrams, the results of the study show that </em><em>D-SIB banks operating in Indonesia have an ROA performance that dominates D-SIB banks which are classified as top 10 average ROA. It can be seen that D-SIB banks operating in Indonesia are not inferior to DSIB banks operating overseas and even proven to be able to outperform D-SIB banks operating overseas.</em></p>
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Karimah, Anifatul, SS Dwiningwarni, H. Masyhadi, and Ali Muhajir. "ANALISIS PERBANDINGAN KINERJA KEUANGAN DENGAN METODE CAR ANTARA PT. BRI (Persero) Tbk DAN PT. BNI (Persero) Tbk YANG TERDAFTAR DI BEI." eBA Journal: Journal Economics, Bussines and Accounting 4, no. 2 (August 31, 2018): 76–83. http://dx.doi.org/10.32492/eba.v4i2.616.
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Banks are financial institutions that play an important role in the economy of a country. Therefore, the existence of a healthy bank is very necessary. This study aims to compare the financial performance of Indonesian people's banks (BRI) and Indonesian state banks (BNI) based on financial ratio analysis listed on the Indonesia Stock Exchange for the period 2012-2016. The study uses the CAR (Capital Adequacy Ratio) method in which the ratio shows how far all bank assets that contain risks (credit, participation, securities, bills at other banks) are also financed from the bank's own capital funds in addition to obtaining funds from sources sources outside the bank, such as community funds, loans (debts), etc. ... The results of this study indicate that the CAR ratio in BRI is better than that of BNI banks. This proves that the CAR ratio and financial performance at BRI banks are better than BNI banks. Because it can manage capital as well as possible and accommodate the risk of loss. The results also show that BRI is better known to the lower middle class.
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Al-Khawaja, Haneen A., and Barjoyai Bardai. "Standard Quality Banking Services of Islamic Banks." Journal of Public Administration and Governance 8, no. 1 (March 27, 2018): 301. http://dx.doi.org/10.5296/jpag.v8i1.12391.
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This research discusses in detail the theoretical aspect of the quality standards of banking services of traditional Islamic banks. The criterion of "Shari'ah Compliance" was added by the researcher to the importance and role of dealing with Islamic banks, the definition of this standard and its importance, how to test it for banks as well as how, without the legitimate commitment of these banks to what is classified as Islamic from the foundation, we focus on the importance of the existence of a legal commitment to any Islamic bank to achieve the quality of Islamic banking services of high quality in accordance with Islamic law and laws to achieve a high confidence in the customers who belong to him and deal with his Conspiracy.
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Kabak, Hande. "An Analysis of Risk Taking Channel in Turkey." Ekonomik Yaklasim 33, no. 123 (2022): 173. http://dx.doi.org/10.5455/ey.22002.
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Risk taking channel in the monetary transmission is the channel which explains the relation between the low policy interest rates resulted from the too low CB policies pursued for a long period of time and bank risk taking behaviors. In this article, the existence of risk taking channel is examined over the period 2002-2018 by using yearly data and GMM method. The direct and distributional effects of bank characteristics on bank risk taking behavior are analyzed. Change in Non Performing Loans(NPL) Ratio is used as a risk indicator. Our findings show that when the interest rates fall below the benchmark rate, the risk taking behavior of banks do not change. In other words, results do not present evidence for the existence of risk taking channel in Turkey. So the monetary policies of CBTR do not change the risk taking behavior of banks. However, bank size and bank capital are the bank characteristics which affect the bank risk taking behavior and credit risk of banks. Additionally, following the literature saying that global financial factors should be taken into account in evaluating the risk taking channel in emerging markets, global financial measures are included to our analysis. Our findings show that global financial measures are significant in the risk taking behavior of Turkish banks.
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Tarigan, Herdian Ayu Andreana Beru, and Darminto Hartono Paulus. "Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)." Hang Tuah Law Journal 3, no. 2 (March 14, 2020): 170. http://dx.doi.org/10.30649/htlj.v3i2.128.
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<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>
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Mashamba, Tafirei. "Determinates of Commercial Banks Liquidity: Internal Factor Analysis." Journal of Corporate Governance, Insurance, and Risk Management 1, no. 2 (March 30, 2014): 112–31. http://dx.doi.org/10.56578/jcgirm010207.
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This study was undertaken to explore the determinants of liquidity in Zimbabwean commercial banks. The research paper was motivated by the persistent high liquidity crunch currently be delving operations of commercial banks. An explanatory research design was adopted to find out variables that determine banks liquidity. An Ordinary Least Squares (OLS) model was developed after testing the variables for stationary to avoid spurious regression using the Augmented Dicker-Fuller (ADF) unit root test. Pearson’s correlation analysis was used to examine the existence of correlation between the repressors and the regressed. The study identified that non-performing loans are highly negatively related with banks liquidity signifying that this variable influence bank liquidity to a larger extent. A positive relationship between bank size and capital adequacy ratio and liquidity was established. Contrary to expectations a positive relationship was obtained between loan growth and banks liquidity. The following recommendations were made. Banks should devise robust credit risk management tools to reduce credit risk, tap into the offshore markets to obtain more credit to extent to their clients and the central banks should speed up the operation of ZAMCO which is meant to take over banks bad debts.
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Nasution, Hamni Fadlilah, and Zulaika Matondang. "SOSIALISASI BANK SYARIAH KEPADA MASYARAKAT KELURAHAN TIMBANGAN KOTA PADANGSIDIMPUAN." Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia 1, no. 3 (September 22, 2022): 17–23. http://dx.doi.org/10.58192/karunia.v1i3.396.
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This community service activity is carried out so that people have an understanding of Islamic banking. This service activity is carried out for people who live in the Timbangan Village, North Padangsidimpuan District. This activity was carried out in 3 stages. The first stage is the preparatory stage, the preparation is carried out by asking permission from the Kelurahan where the service is carried out. The second stage is pre-socialization, namely the service volunteer team conducts interviews with the community. The third stage is the socialization stage, carried out by interviews and questions and answers with the community. The results of the activity show that there are still many people who are not familiar with Islamic banks, from this activity the community becomes aware of the existence of Islamic banks, 2) The community understands the concepts in Islamic banks, 3) This activity is a forum for increasing the knowledge and understanding of the community about Islamic banks, which Prior to this activity, most people considered Islamic banks and conventional banks the same and 4) The community expressed an interest in conducting transactions at Islamic banks after gaining knowledge and understanding of Islamic banks.