Artículos de revistas: "Deposits and depositors"

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Tumbelaka, Indra. "How Did Depositors React to Bank Risks During the Covid-19 Outbreak in Indonesia?" International Journal of Financial Systems 1, n.º 2 (18 de enero de 2024): 133–50. http://dx.doi.org/10.61459/ijfs.v1i2.27.

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The Covid-19 outbreak provides a unique setting to examine the association between deposits and bank risk, including loan risk, as both deposits and loan risk increased significantly during the outbreak. Employing dynamic regression models in datasets from the Indonesian banking industry before and during the Covid-19 outbreak, this study provides new evidence that depositor discipline is stronger during the outbreak, as depositors are more sensitive to loan risk. The findings are different from prior studies in that depositor discipline tends to diminish during the crisis period. Furthermore, this study confirms the effectiveness of the deposit insurance system implementation, as uninsured depositors exercise stronger discipline. Last but not least, this study documents that depositor discipline is weaker in government banks as those banks are perceived as having implicit guarantees from the government.

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Lamichhane, Pitambar. "Depositors’ perception on performance in Nepalese commercial banks". Management Dynamics 23, n.º 1 (9 de marzo de 2020): 21–36. http://dx.doi.org/10.3126/md.v23i1.35541.

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This paper analyzes bank depositors’ perception in relation to factors explaining performance of banks in Nepal. This study has applied descriptive and explorative research design to analyze factors affecting bank performance. A survey was made to collect data from bank depositors using structural questionnaire in Kathmandu valley in 2019. Survey result reveals that Nepalese depositors prefer to deposit money in commercial banks because of easy access but are not satisfied with e-banking services. Most of depositors have no ownership in banks and feel interest rate on deposits is less than expectations. Similarly, result shows that depositors prefer to deposit in saving account analyzing risk and feel government rules and regulations affect interest rates of banks. Further, result indicates banks’ image and interest rate on deposits are key factors for bank deposits and performance, poor operating performance and lack of appropriate investment opportunities are reasons of low interest rate on bank savings. Finally, result concludes that use of modern technologies, size of deposits, market information, managerial efficiency, size of lending and deposits of banks are significant factors and size of debt capital and assets are weak factors affecting performance in Nepalese commercial banks.

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Rotemberg, Julio J. "A Behavioral Model of the Popularity and Regulation of Demandable Liabilities". American Economic Journal: Macroeconomics 7, n.º 3 (1 de julio de 2015): 123–52. http://dx.doi.org/10.1257/mac.20130143.

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Overoptimism regarding one's ability to arrive early in a queue is shown to rationalize deposit contracts in which people can withdraw their funds on demand even if consumption takes place later. Capitalized institutions serving overoptimistic depositors emerge in equilibrium even if depositors and bank owners have identical preferences and investment opportunities. Consistent with the evidence, runs can lead people to move their deposits from one intermediary to another. Regulatory policies, including deposit insurance, minimum capital requirements and restrictions on the assets held by depository institutions can increase the ex ante welfare of depositors. (JEL G21, G28, G32, L51)

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Salam, Rully Trihantana y Mohamad Kharis Mubarok. "ANALISIS NISBAH BAGI HASIL TERHADAP JUMLAH NASABAH DEPOSITO MUDRABAH (Studi Di Koperasi Baitul Mall Wat Tamwiil Khidmatul)". SAHID BUSINESS JOURNAL 1, n.º 01 (2 de marzo de 2022): 8–20. http://dx.doi.org/10.56406/sahidbusinessjournal.v1i01.29.

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Abstract Baitul Maal Wat Tamwil (BMT) was originally established as a people's economic institution that helps the poor, the poor and near poor. However, it is growing, by creating fund-raising products. Fund-raising products include savings deposits and time deposits (deposits) with the mudharabah principle. The establishment of BMT is intended to encourage economic empowerment through the provision of sharia products. For this reason BMT can be well received by the community. The type of research is quantitative descriptive, namely the results of calculations from the percentage of profit sharing ratio for mudharabah deposits for a period of 12 months and data on the number of customers of mudharabah deposits for a period of 12 months in the last 3 years, namely from 2017 - 2019. The results of this study indicate that the profit sharing ratio variable and the number of mudharabah depositors has a positive relationship as evidenced by the increasing number of deposit customers at KBMT Khidmatul Ummah because the profit sharing ratio for mudharabah deposits provided/offered by KBMT Khidmatul Ummah is very profitable for depositors and tempting for prospective depositors. Conclusions from this study Based on the results of the correlation analysis, the results of the correlation analysis test showed a positive sign (+) which means that there is a positive relationship between the two. The correlation magnitude is 0.972 (> 0.05), meaning the percentage rate is strongly correlated with an increase in the number of depositors. Keywords: Profit Sharing Ratio, Mudrabah Deposit Customers and KSPPS

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Moyo, Zibusiso y Sophia Mukorera. "Liquidity And Deposit Insurance: The Case Of Deposit-Taking Microfinance Institutions In Low-Income Sub-Saharan Africa". Management and Economics Research Journal 8, n.º 4 (31 de diciembre de 2022): 1–10. http://dx.doi.org/10.18639/merj.2022.1782409.

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The objective of this study was to examine the relationship between liquidity and deposit insurance of Deposit-taking Microfinance Institutions (DTMFIs) in Low-Income Sub-Saharan Africa (LISSA). Several DTMFIs in the region defaulted in meeting withdrawals on deposits and collapsed with depositors’ funds. The failure of DTMFIs to be liquid has dire consequences such as contagion risk due to the sudden and unexpected deposit runs and oblivion of depositors’ funds, which further condemn the small savers into extreme poverty levels. Panel data from the Microfinance Information Exchange for the years 2006 to 2017 of 64 DTMFIs sampled across 18 LISSA countries was utilised. The estimated random effects results showed that explicit deposit insurance is positive and significantly related to liquidity. Additionally, the capital adequacy ratio and the Basel implementation dummy are positive and significant determinants of liquidity. The study concluded that designing and implementing explicit deposit insurance schemes mitigates liquidity risk in depository microfinance and maintaining adequate capital adequacy levels and implementation of Basel recommendations improves the liquidity positions of the LISSA DTMFIs. The study recommended formulation of deposit insurance policies that embrace microfinance deposits of all types and adherence to the Basel capital adequacy standards complements deposit protection in hedging liquidity risk.

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Ab Rahman, Sazana, Nor Hayati Ahmad y Noraziah Che Arshad. "BANK SPECIFIC AND MACROECONOMIC FACTORS INFLUENCING ISLAMIC BANKS DEPOSITS". Vol 6 No 2 (2021) 6, No.2 (31 de diciembre de 2021): 37–57. http://dx.doi.org/10.32890/ijib2021.6.2.4.

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Deposits are like the bloodline for banks as they determine banks' lending capacity and a country's economic savings. However, the existence of a dual banking system poses a challenge to Malaysian Islamic banks competing for deposits. Despite this problem, few investigations were done to comprehensively identify the factors that could help banks attract deposits, particularly for Islamic banks. The purpose of this paper is to fill this gap on deposits of 16 Islamic banks in Malaysia. Secondary data from the bank's annual reports and the Department of Statistics of Malaysia from 2015 to 2019 were analyzed, comprising Islamic Bank Deposits and seven predictors in an empirical model using STATA. The result shows a strong model fit with 92% R squared value that Return on Assets, bank concentration, and Business Enterprise Depositor affect Islamic Bank Deposits positively and significantly while Capital Adequacy Ratio showed negative and significant influence on the deposits. These factors are strongly effective to deposits, significant at 1% level. In contrast, Financing Deposit Ratio and Gross Domestic Product do not significantly influence Islamic deposits. Contrary to economic theory, this study found that an increase in inflation encourages customers to increase their saving deposits in Malaysian Islamic banks. The findings from this study are unique to Malaysian Islamic banks. They indicate important policy implications for Islamic banks practitioners, namely, to increase their focus on business enterprise customers, improve bank's market share and profitability in order to increase deposits while taking advantage of high inflationary period to attract more depositors.

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Xiao, Kairong. "Monetary Transmission through Shadow Banks". Review of Financial Studies 33, n.º 6 (4 de octubre de 2019): 2379–420. http://dx.doi.org/10.1093/rfs/hhz112.

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Abstract I find that shadow bank money creation significantly expands during monetary-tightening cycles. This “shadow banking channel” offsets reductions in commercial bank deposits and dampens the impact of monetary policy. Using a structural model of bank competition, I show that the difference in depositor clienteles quantitatively explains banks’ different responses to monetary policy. Facing a more yield-sensitive clientele, shadow banks are more likely to pass through rate hikes to depositors, thereby attracting more deposits when the Federal Reserve raises rates. My results suggest that monetary tightening could unintentionally increase financial fragility by driving deposits into the uninsured shadow banking sector. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.

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Leonov, M. "Regulation of Deposit Interest Rates in Hong Kong". World Economy and International Relations, n.º 10 (2015): 77–83. http://dx.doi.org/10.20542/0131-2227-2015-10-77-83.

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In 1960s, the regulation of deposit interest rate was introduced to maintain stability of the banking system in Hong Kong. Local regulatory mechanism was characterized by direct involvement of banks into determination of the maximum level of interest rates. As deposit rates might be fixed at below market equilibrium level, banks were unbounded to earn rents at the expense of undrawn interest payments to depositors. Unlike to people in other countries, the depositors in Hong Kong had limited access to alternative investment opportunities like mutual funds or deposit institutions. As long as retail deposits were accounted for a significant share of borrowed funds, Hong Kong Association of Banks developed some incentives to discipline banks: in particular, if bank offered deposits with above the maximum permissible rate, it could be excluded from the national clearing and settlement infrastructure. The binding level of rates led to the emergence of new financial products (swap-deposits and NOW accounts) because banks tried to retain dissatisfied customers. To avoid the negative consequences of rate regulation on industry competition and allocation of financial resources within the economy, Hong Kong Monetary Authority took decision to liberalize deposit rates using gradual reform approach in the mid-1990s – early 2000s. The deregulation caused the significant reduction of gap between deposit and market rates and that evidence gave support to the idea of restrictive nature of regulation regime in Hong Kong. At the time of increasing competition in the deposit market, banks were able to increase operating efficiency and maintain profitability. The main benefits were obtained by banks with risky business model that attracted retail deposits to increase the scope of activity. Deposit rate liberalization helped to improve the efficiency of the transmission mechanism of monetary policy. As banks more actively responded to the market situation by adjusting interest rates, the monetary policy actions increased influence on the investment and savings behavior of economic agents. Finally, intensified interest rate competition among banks resulted into the growth of depositors’ welfare, contributing to the sustainable socio-economic development of Hong Kong.

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Ismal, Rifki. "Depositors' withdrawal behavior in Islamic banking: case of Indonesia". Humanomics 27, n.º 1 (22 de febrero de 2011): 61–76. http://dx.doi.org/10.1108/08288661111110187.

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PurposeIslamic banks need to manage depositors' deposit withdrawals in a well manner in order to be able to optimize depositors' funds in their portfolio financing. Taking into account the Indonesian Islamic banking industry as a study case, this paper attempts to analyze the depositors' withdrawal behavior. Moreover, it also analyzes the responses of Islamic banks to mitigate such deposit withdrawals.Design/methodology/approachFirst, the paper accommodates the flow of funds of the Indonesian Islamic banking operations. Second, it formulates a liability side model of the competitive Islamic banking industry referring to some ideas from the conventional models. Then, the paper uses linear probability model (LPM) to identify depositors' withdrawal behavior and to analyze the responses of Islamic banks to mitigate deposit withdrawals.FindingsIt is found that depositors withdraw their money if: Islamic banks do not generate incomes from their financing; interest rate goes up; and total deposits tend to decrease. As such, Islamic banks have to anticipate this withdrawal behavior by doing two actions: reserving some liquidity and adjusting return sharing ratio to depositors. The output of this paper should benefit the policy markers and Islamic banks to understand depositors' behavior in withdrawing money and determine appropriate policies to manage it.Originality/valueThe best of author's knowledge, this is the first paper trying to analyze the depositors' withdrawal behavior with LPM model taking into account the Indonesian Islamic banking industry.

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Hanif Noor Athief, Fauzul y Aminudin Ma’ruf. "Tracing the asymmetry of religiosity-based loyalty of Islamic bank depositors". Banks and Bank Systems 18, n.º 1 (9 de enero de 2023): 1–13. http://dx.doi.org/10.21511/bbs.18(1).2023.01.

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Religiosity is one of many essential aspects that stands as the motivation of people’s behaviour. Its importance expands to the field of banking, especially Islamic banks that take Islamic teaching as their backbone. This study aimed to seek religiosity motivation among Islamic bank depositors by exploring the possible asymmetric effect of interest rates on the type of deposits. By using the NARDL approach, this study investigates the relationship between the conventional deposit interest rate on the type of depositors and deposit maturity by using monthly data from April 2015 until March 2020 of Indonesia’s Islamic banks. The results show that government deposit in Islamic bank is not affected by the raise of interest rate. In addition, all deposits that showed the possibility of asymmetry effect indicated that the increase of interest rate (LIR+) has a positive coefficient. In general, Indonesian Islamic bank depositors’ are religiously loyal and not attracted to the fluctuation of interest rates. The result also found that short-run asymmetric dynamics show convergent to long-run asymmetry after an average of 15 months. As for the policy implications, stakeholders must ease the regulation of Islamic banks such as the conversion of conventional banks to Islamic banks, since it is proven that customers are mainly religiously driven.

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Egan, Mark, Ali Hortaçsu y Gregor Matvos. "Deposit Competition and Financial Fragility: Evidence from the US Banking Sector". American Economic Review 107, n.º 1 (1 de enero de 2017): 169–216. http://dx.doi.org/10.1257/aer.20150342.

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We develop a structural empirical model of the US banking sector. Insured depositors and run-prone uninsured depositors choose between differentiated banks. Banks compete for deposits and endogenously default. The estimated demand for uninsured deposits declines with banks' financial distress, which is not the case for insured deposits. We calibrate the supply side of the model. The calibrated model possesses multiple equilibria with bank-run features, suggesting that banks can be very fragile. We use our model to analyze proposed bank regulations. For example, our results suggest that a capital requirement below 18 percent can lead to significant instability in the banking system. (JEL E44, G01, G21, G28, G32)

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Mohammed, Nafisah, Azmafazilah Jauhari y Nadzirah Mohammed. "CUSTOMERS’ DEPOSIT BEHAVIOUR IN DUAL BANKING INDUSTRY: A MARKET STRUCTURE ANALYSIS". Journal of Nusantara Studies (JONUS) 5, n.º 1 (30 de enero de 2020): 356–77. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377.

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Background and Purpose: The aim of this paper is to evaluate public acceptance toward Islamic banking system in Malaysia by using the market structure analysis as proposed in industrial organizational studies. The structural approach framework was used to evaluate the nature and changes of market concentration in the Malaysian Islamic and conventional deposit markets. Methodology: The well-known market concentration measure, namely concentration ratio (CR) is calculated to study the changes in saving behaviour among depositors in both banking markets. The concentration ratios of deposits for both banking markets are evaluated by using the banking firms’ level data for the period 1997–2016. Pearson and Spearman correlation analysis was also used to investigate the relationship between the total deposits and bank-specific variables. Findings: It is found that interest or profit rate paid to the depositors are the factor that greatly affect the depositors’ choice of banks to save their money. Besides, experience doing businesses is more important to Islamic banks compared to conventional banks in order to attract depositors. Contributions: The findings demonstrate that societies, especially the Islamic community, are still loyal to conventional banks, which have more experience in the banking operation. The findings of this study are expected to open the eyes of the Muslim community to use Islamic banking services, which are certainly sharia-compliance. Keywords: Concentration ratio, deposit, dual banking, market structure, perception. Cite as: Mohammed, N., Jauhari, A., & Mohammed, N. (2020). Customers’ deposit behaviour in dual banking industry: A market structure analysis. Journal of Nusantara Studies, 5(1), 356-377. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377

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Anastasiou, Dimitris y Athanassios Petralias. "On the Construction of a Leading Indicator Based on News Headlines for Predicting Greek Deposit Outflows". International Journal of Business Management and Finance Research 4, n.º 1 (10 de septiembre de 2021): 1–11. http://dx.doi.org/10.53935/2641-5313.v4i1.57.

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Employing data in a monthly frequency, with a sample period spanning from 2002 to 2018, the purpose of this study is twofold. First, we construct a novel leading indicator based on news headlines drawn from Bloomberg, and second, examine whether this leading indicator able to capture agents’ sentiment affects Greek bank deposit flows’ trajectory. Employing alternative econometric methodologies, we find that this index proxies for depositors’ crisis sentiment and the higher this index becomes, the higher the depositors’ negative sentiment becomes, leading them to withdraw their bank deposits. Overall, in this work, we show that the last decade’s advances in internet technology, which permit us to have direct access to a vast amount of information such as news headlines, offers the possibility of forecasting critical measures in the economy’s banking system, such as the number of bank deposits, which are of crucial importance. Monetary poly authorities or macroprudential regulators could adapt our model to assess the resilience of a bank or the whole banking sector.

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OVCHINNIKOVA, YU S. "APPLICATION OF BANK DEPOSIT INSURANCE LEGISLATION: MAIN ASPECTS". Gaps in Russian Legislation 17, n.º 2 (24 de marzo de 2024): 92–97. http://dx.doi.org/10.33693/2072-3164-2024-17-2-092-097.

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The article highlights the special relevance of the legal study of the bank deposit insurance system. The authors have identified the main trends in the historical development of the bank deposit insurance system, which are generally of positive importance. The article also analyzes the main problems of legislation and law enforcement practice in the field of bank deposit insurance. The conclusion is formulated that the legitimate interest of depositors should be protected primarily, while the established judicial practice in some cases indicates the opposite. In addition, the legislation on insurance of bank deposits violates the principle of equality of subjects of civil law. This situation leads to a drop in the level of depositors' trust and is an obstacle to the effective implementation of the bank deposit insurance system.

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Krahlevych, Vyacheslav. "THE DEPOSIT GUARANTEE FUND OF UKRAINE: TOWARDS EU STANDARDS OF RIGHTS PROTECTION". Access to Justice in Eastern Europe 5, n.º 4 (18 de octubre de 2022): 1–11. http://dx.doi.org/10.33327/ajee-18-5.4-n000430.

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Abstract An effective deposit insurance system is commonly considered the strongest instrument for increasing confidence in banking systems, as well as for encouraging private investments in banking services. In developing relevant legislation and institutions in line with EU standards, Ukraine will ensure that its deposit guarantee system can be integrated with that of the EU. In light of the relevant legislation, we examine the EU’s deposit guarantee system in general and with regard to its particular characteristics, namely: insured entity, compensation amount, legal terminology, and financing. Then, we compare those characteristics to those of Ukraine and assess the necessity and priority of their development. As a result, we first emphasise that individual entrepreneurs and legal entities, as well as individual entities, must be insured under the Deposit Guarantee Fund. Second, we argue that the current state compensation amount for deposits in case of bank insolvency is insufficient and suggest that it must be revised and increased. Third, we draw attention to the fact that Ukrainian banking and deposit guarantee legislation must be revised and integrated with relevant European legal terminology. Finally, we also analysed the particular aspects of financing for the European deposit guarantee system, especially the various means of investing free funds in the deposit guarantee system, which we thought could be useful to implement in Ukraine. Our results suggest distinct legislative and other empirical measures needed to improve the Ukrainian deposit guarantee system and generally consolidate it with that of the EU. Background: The deposit insurance system provides insurance for the deposits of individuals who have entrusted their money to banks. In the event of the insolvency of a banking institution, the deposit insurance system, to a greater or lesser extent, guarantees the payment of deposits to that institution’s clients and protects the rights of other creditors involved in the insolvency proceedings. As a result of the banking sector crisis in Ukraine during 2014-2017, almost 100 banks were classified as insolvent. Therefore, the Deposit Guarantee Fund of individuals was subject to a huge burden, which exposed several problematic issues related to the protection of depositors’ rights. Methods: To obtain reliable and valid conclusions, the author used comparative and analytical methods of research. These methods consist of the analysis and comparison of the provisions of EU and Ukrainian legislation in the field of the protection of depositors’ rights. Results and Conclusions: The Ukrainian deposit guarantee system has significant differences from the relevant European system. First and foremost, this concerns the amount of guaranteed compensation for deposits in Ukraine. The author concludes that this deposit coverage amount was not reviewed during the period from 2012 to 2022, which does not contribute to the interest of depositors in keeping money in banking institutions. However, on 1 April 2022, during the period of martial law, Ukraine adopted Law No. 2180-IX ‘On Amendments to Certain Laws of Ukraine on Ensuring the Stability of the Deposit Guarantee System for Individuals’, which provides a full guarantee of individuals’ deposits during martial law and three months after its termination, as well as increases the guaranteed deposit compensation to UAH 600,000. These changes will have positive consequences for depositors, but the author points out that in the context of these legislative changes, the state should provide support to the Deposit Guarantee Fund by writing off interest arrears to the Ukrainian Ministry of Finance, which has emerged due to the banking crisis in 2014-2017. In addition, to preserve the liquidity of banks’ assets, the author proposes to ensure that the Fund starts preparing banks for the management of their assets by evaluating and monitoring their status. Furthermore, the author emphasises the need for the harmonisation of the Ukrainian banking legislation with the requirements of Directives 2014/49/EU and 2014/59/EU. For this purpose, the guaranteed amount of reimbursement should be gradually increased to the equivalent of EUR 100,000, and guarantees should be extended to depositors who are legal entities. The relevant legislation must also be amended so that its terminology corresponds with that of the EU, the Deposit Guarantee Fund participants must be included in other credit institutions, and the Deposit Guarantee Fund must guarantee legal entities’ deposits.

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Fitriah, Fitriah. "BENTUK DAN TANGGUNGJAWAB PIHAK BANK TERHADAP DANA SIMPANAN PARA NASABAH". Solusi 16, n.º 3 (1 de septiembre de 2018): 301–20. http://dx.doi.org/10.36546/solusi.v16i3.139.

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A bank is a financial institution whose existence depends absolutely on the trust of its customers who entrust their savings funds. Banks are very concerned that the trust of the public, who have and who will save their funds, are well-maintained, considering that the bank is part of the financial system and payment system. Bank secrecy is very important because banks need the trust of the people who keep their money in the bank. The customer only entrusts his money to the bank or makes use of the bank's services if the bank provides a guarantee that the bank's knowledge of deposits and the state of their assets will not be misused. The legal relationship between the bank and the depository customer starts from the signing of a written agreement (contractual relationship) between the bank and the customer which contains the rights and obligations for each party. As for the form of agreement for depositing funds between the customer and the bank, it is called a deposit agreement (Article 1319 Civil Code). In a deposit agreement, the bank sets certain general requirements in a deposit account or savings account, among others, the recipient of the deposit (bank) can use the depositors' money and at a certain time the bank will provide interest. Other provisions that can be used as the basis of relations between banks and depositors are Proxy Giving. Depositors give their power to banks when signing deposit accounts or savings accounts or bank accounts. This agreement becomes a law or law for both parties (Article 1338 of the Civil Code). As a manifestation of the bank's responsibility for depositing customers, banks must pay attention to the 4 (four) pillars of the relationship between depositors and banks, namely: Prudence, Health, Bank Secrets and Trust

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Putri, Della Safira Radi y Noven Suprayogi. "SENSITIVITAS DEPOSITO MUDARABAH, ELASTISITAS TINGKAT SUKU BUNGA, ELASTISITAS TINGKAT BAGI HASIL PADA PERBANKAN SYARIAH DI INDONESIA". Jurnal Ekonomi Syariah Teori dan Terapan 7, n.º 9 (25 de septiembre de 2020): 1629. http://dx.doi.org/10.20473/vol7iss20209pp1629-1645.

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ABSTRAKPenelitian ini dilakukan untuk mengetahui apakah terdapat perbedaan elastisitas suku bunga dan tingkat elastisitas bagi hasil pada deposito Mudarabah Bank Syariah Indonesia tahun 2013-2017. Pengujian dalam penelitian ini menunjukkan hasil dengan hipotesis nol diterima atau dengan kata lain tidak terdapat perbedaan yang signifikan. Dengan demikian, deposito mudarabah bank syariah sensitif terhadap perubahan suku bunga dan tingkat bagi hasil. Kenaikan dan penurunan suku bunga dan tingkat bagi hasil berpotensi merugikan dengan berkurangnya dana deposan karena return yang diberikan lebih rendah. Sehingga dapat dipengaruhi oleh risiko tingkat pengembalian. Jika risiko ini tidak dimitigasi dengan baik, risiko lain dapat muncul, yaitu risiko komersial yang tergeser.Kata Kunci: Bank Umum Syariah, Sensitivitas Deposito Mudarabah, Elastisitas Suku Bunga, Elastisitas Tingkat Bagi Hasil ABSTRACTThis study was conducted to determine whether there are differences in interest rate elasticity and profit-sharing level elasticity in Mudarabah Deposits Sharia Banks Indonesia in 2013-2017. Tests in this study indicate the results with the null hypothesis are accepted or in other words, there are no significant differences. Thus, Islamic bank mudarabah deposits are sensitive to changes in interest rates and profit-sharing rates. Rising and falling interest rates and profit-sharing rates can be potentially a disadvantage with the reduction in depositors' funds because the returns given are lower. So that it can be affected by the rate of return risk. If this risk is not properly mitigated, another risk may arise, namely displaced commercial risk.Keywords: Islamic Banks, Sensitivity of Mudarabah Deposit, Elasticity of Interest Rate, Elasticity of Profit-Sharing Rate

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VERSAL, Nataliia. "Impact of the COVID-19 pandemic on households deposits trends in banks of Ukraine". Scientific Bulletin of Flight Academy. Section: Economics, Management and Law 5 (21 de diciembre de 2021): 56–64. http://dx.doi.org/10.33251/2707-8620-2021-5-56-64.

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Abstract. The coronavirus outbreak (Covid-2019) has significantly impacted all aspects of social life. One of these aspects turned out to be the behavior of households as bank depositors. The phenomenon manifested itself in the fact that instead of the expected decrease in the volume of households deposits, which was characteristic of the crises of previous years, there was an increase. This feature turned out to be typical for both developed countries and developing countries. An analysis of scientific works has shown that the motives for such behavior can be caused by various factors, which depend, among other things, on the level of economic development of countries. The purpose of this article was to identify the characteristics of the behavior of households as depositors and changes in the structure of their deposits during the Covid-19 pandemic in Ukraine. A statistical analysis of household deposits in Ukrainian banks for 2019-2020 was carried out to achieve this goal. As a result, it was revealed that the Covid-19 pandemic had generated several uncertainties that the households in Ukraine have not previously encountered. At the same time, the entry into the pandemic occurred against the backdrop of a stable banking system, an efficiently functioning deposit guarantee system, and a relatively stable national currency. The household's response to the Covid-19 pandemic in Ukraine should be considered in two stages. The first stage ? March-April 2020 (the first lockdown was introduced on 12 March 2020 in Ukraine), when two scenarios were implemented: flight-to-liquidity (transformation deposits in cash) and flight-to-safety (transformation of hryvnia savings into savings in foreign currency). And the next stage ? the last part of 2020 ? with other two scenarios: flight-to-digitalization and flight-to-savings. Deposits became the vital component of household savings in Ukraine at this stage. It was shown that there was an increase in deposits in both national and foreign currencies, but the rate of their growth changed, which, among other things, was due to a drop in interest rates. A reduction in the gap between interest rates on long-term and short-term deposits, as well as uncertainty due to the impact of Covid-19, led to a significant increase in demand deposits, which in the future may negatively affect the activities of banks, especially in the context of political instability in Ukraine, which both internal and primarily external factors may cause. Key words: savings, bank run, deposit guarantee system, deposit rates, lockdown, banking crisis, deposits dollarization, demand deposits, term deposits.

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Žilinskas, Raimundas y Rimvydas Skyrius. "THE UNIVERSAL INFORMATION TECHNOLOGY MODEL FOR DEPOSIT INSURANCE PAYOUTS". Ekonomika 93, n.º 2 (1 de enero de 2014): 147–58. http://dx.doi.org/10.15388/ekon.2014.2.3541.

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Abstract. The basic function of all deposit insurance schemes is to pay deposit insurance payouts to depositors promptly for the losses they otherwise would suffer in the event of an insured financial institution’s closure. As a result, depositors are relieved of both the recovery-rate and time risks of a liquidation process up to the insured level of their deposits. Deposit insurance payouts – including the speed and convenience – vary across countries and can affect public confidence in the deposit insurance scheme. Information technology support in the payout process is essential. However, one of the major problems in the insurance payout process is the lack of the proper information technology. This paper addresses the factors related to the payout process, discusses the advantages and disadvantages of various approaches, and makes recommendations on the establishment of a universal information technology model for a deposit insurer to accomplish the procedures of insurance payouts.Key words: deposit insurance, deposit insurance payouts, information technology support

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Widarjono, Agus, Suharto y Diana Wijayanti. "Do Islamic banks bear displaced commercial risk? Evidence from Indonesia". Banks and Bank Systems 17, n.º 3 (13 de septiembre de 2022): 102–15. http://dx.doi.org/10.21511/bbs.17(3).2022.09.

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The market share of Islamic commercial banks in Indonesia is small despite the fact that Indonesia is a predominantly Muslim country. This paper investigates the asymmetric effect of the deposit rate of conventional banks on Islamic bank deposits in Indonesia applying a dual banking system. This study employs the Non-linear ARDL (NARDL), using monthly data and covering 2009:M1–2019:M7. The findings clearly confirm the long-run relationship between the Islamic deposit and conventional deposit rate for any maturity. Furthermore, the impact of conventional bank deposit rate is asymmetry on Islamic bank deposit for any maturity, implying that Islamic bank deposits react differently to up and down in conventional bank deposit rates, but it tends to weaken for longer maturity. More interestingly, based on asymmetric results, Islamic bank deposits adjust at a higher speed to an increase in conventional deposit rates compared to a rise in the Islamic deposit rates. The results imply that Islamic bank depositors may transfer their funds to conventional bank deposits as conventional bank deposit rates rise in a dual banking environment known as displaced commercial risk (DCR). AcknowledgmentsThis work was funded by the Centre for Economic Studies, Department of Economics, Faculty of Business and Economics, Universitas Islam Indonesia, Yogyakarta, Indonesia under Grant Number: 164.a/Dir.PPE/VI/2020.

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Ong, Hway Boon. "Banking on foreign currency accounts: evidence from Malaysia". International Journal of Bank Marketing 36, n.º 7 (1 de octubre de 2018): 1235–47. http://dx.doi.org/10.1108/ijbm-05-2017-0083.

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Purpose The purpose of this paper is to study how the foreign currency account (FCA) is affected by the domestic fixed deposit (FD) rate, the FCA rate, the expected exchange rate and exchange rate risk. Design/methodology/approach This paper analyses the causal relationship between the domestic FD rate, the FCA rate, the expected exchange rate on a set of foreign currency deposits and exchange rate volatility, based on the theory of portfolio choice. Based on the theory, the panel vector autoregressive regression of fully modified ordinary least squares and dynamic ordinary least squares are modelled. Findings There is no cointegrating relationship for the three-month FCA deposits, the domestic FD rate, the FCA rate and the expected exchange rate. Only the six-month FCA business deposits are affected by the domestic FD rate, the FCA rate and the expected exchange rate. The FCA depositors are not affected by exchange rate volatility. Research limitations/implications This study is conducted based on the FCA rate quoted by the leading commercial banks in Malaysia, Maybank. Thus, the FCA rate is used as a proxy for the FCA rate of commercial banks in Malaysia. Originality/value Individual depositors have to save in more than the three-month FCA to realise their expected return. For individuals, the FCA deposit is not an alternative choice to domestic FD. Exporters may use the FCA deposit to finance their foreign purchases to save the cost of foreign exchange conversion but it is still not an appropriate hedging tool against foreign exchange fluctuations as compared to the existing forward foreign exchange facility.

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22

Pakpahan, Elvira Fitriyani. "LEGAL PROTECTION AGAINST DEPOSITORS' CUSTOMERS WITH MUDHARABAH CONTRACT ON ISLAMIC BANKS". Jurnal Pembaharuan Hukum 6, n.º 1 (13 de marzo de 2019): 45. http://dx.doi.org/10.26532/jph.v6i1.4673.

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Deposit type most often used by Islamic Bank in collecting funds from the public is revshare system (mudharabah) where the customer is acting as an investor and profit from business carried on by the bank. But in practice mudharabah can also loss caused by managers (Banks) in running the business. The problem in this research is how the legal protection of depositors with mudharabah in Islamic banks. With normative juridical research method and approach to literature. Results of the study stated that the legal protection of depositors in Islamic banking are protected by rules that are already fairly well from the Financial Services Authority and the Institute of deposit insurance, even the rules better than protection applied to customers of conventional banks. LPS in Regulation 2 of 2010 Article 44 stated that the interest rate is considered reasonable set LPS does not apply in determining the status of the deposit guarantee to deposits based on Islamic principles because Islamic Bank using revshare principle in operation.

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23

LARIONOVA, Katerina y Tetyana GORDEEVA. "DEPOSIT OPERATIONS AS THE BASIS OF SUCCESSFUL BANKING: THEORETICAL ASPECT, REALITIES AND PROSPECTS OF DEVELOPMENT IN UKRAINE". MODELING THE DEVELOPMENT OF THE ECONOMIC SYSTEMS, n.º 2 (29 de junio de 2023): 110–19. http://dx.doi.org/10.31891/mdes/2023-8-15.

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The paper considers the peculiarities of Ukraine’s deposit market functioning in 2020–2023 under the influence of force majeure factors. The current state of the respective market was analysed in terms of types of deposits by duration, namely fixed and demand, by types of currencies in which funds are placed on deposits, by ranges of the size of the deposits themselves, etc. Approaches to the interpretation of the “deposit operation” concept were systematized. Having analysed the definitions it is possible to define a “deposit operation” as an operation involving the deposit institution’s attraction of funds (in national or foreign currency, in cash or non-cash form) or bank metals of depositors to deposit bank accounts under the terms of the concluded agreement and following the current legislation of Ukraine. A comprehensive analysis of the dynamics of the deposit portfolio of the banking system was carried out. The dynamics of deposits of individuals in the banking system of Ukraine were analysed. The dynamics of interest rates on deposit deposits in terms of subjects, currencies and duration are highlighted. The increase in deposit rates contributed to the recovery of the growth of fixed deposits of individuals which volume increased for the first time since the beginning of the war. The permission of the National Bank to buy foreign currency to open fixed currency deposits contributed to their growth in dollar equivalent. The peculiarities of the activity of the Deposit Guarantee Fund in Ukraine during the period of martial law were identified, and the impact on the level of public trust in banks was investigated. The obtained results of the conducted research made it possible to determine the main trends in the development of the deposit market of Ukraine and to outline proposals for improving the deposit policy of Ukrainian banks.

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24

Lin, Leming. "Bank Deposits and the Stock Market". Review of Financial Studies 33, n.º 6 (18 de julio de 2019): 2622–58. http://dx.doi.org/10.1093/rfs/hhz078.

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Abstract I show that households’ demand for retail deposits decreases during stock market booms, which induces a contraction in bank lending and a decrease in real activity in bank-dependent firms. I identify this channel using geographic heterogeneity in households’ stock market participation. Banks in areas with greater stock ownership see a greater reduction in deposit growth when stock returns are high. This holds even across branches of the same bank and across ZIP codes within counties. Counties served by banks financed by more stock-active depositors see a greater decline in bank lending and bank-dependent-firm employment following high stock returns.

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25

Al-Bahadli, Sadiq T., Riad H. Al-Aqili y Hafedh Abdulameer Ameen. "Deposit and Loan Guarantee Institutions and it’s Role in Restoring Confidence in the Iraqi Banking Sector". Webology 19, n.º 1 (20 de enero de 2022): 4194–212. http://dx.doi.org/10.14704/web/v19i1/web19277.

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Pacing from the part of deposits and loans in supporting banking stability, any peril that threatens this part constitutes direct trouble to the banking system. Thus, should develop the mechanisms to cover and guarantee the rights of depositors (deposit guarantee), and mechanisms to cover banks from remitment of bank credit and cover them from ruin and ruin through the establishment of an institution guaranteeing loans, which represents an abecedarian demand to guarantee and stabilize the banking system and restore lost Confidence in the Iraqi banking system. Consequently, the exploration problem surfaced from a set of questions: Do deposit and loan guarantee institutions lead to the banking system's stability? Does this affect the degree of stability of deposits and attract further deposits, especially since deposits within the banking system are (23), while there's a chance (77) of the financial mass outside the banking system? As well as the question, will the bank credit increase after the loan institution guarantees this credit? Therefore, cranking the Deposit Guarantee Law and approving the Loan Guarantee Law will contribute to the anticipated part in restoring Confidence in the Iraqi banking system? It represents the fundamental problem of exploration, primarily since the Deposit Law, despite its blessing, has not been enforced.

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26

Fekadu Zerihun, Mulatu. "Internal determinants of bank deposit flows under different market conditions in Ghana". Banks and Bank Systems 19, n.º 1 (28 de marzo de 2024): 221–30. http://dx.doi.org/10.21511/bbs.19(1).2024.19.

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This study analyzes the effect of internal factors of bank performance on deposit flows, considering the changes in the stock market conditions in Ghana. A panel dataset covering 2007 to 2021 of 18 banks in Ghana is applied in a dynamic panel model for the analysis. The results show that the lagged deposit growth exerts an impressive influence of 0.68 percent on the future deposit flows of banks, thus positing a favorable implication for their trading momentum. Also, liquidity was found to have a negative relationship of –0.64 percent with deposit growth. This implies that the holding of excess liquidity diminishes investors’ confidence in a bank’s ability to generate more revenue to enhance the value of their funds, as high liquidity ratios reduce the bank’s capacity to grant more loans for profit. Furthermore, the analysis revealed a positive effect of 1.93 percent by expenditure on deposit growth, which suggests that depositors recognize a rise in operational costs as an indication of a bank’s potential for growth and rapid expansion. Moreover, the analysis found the existence of a negative effect of –0.88 percent by the stock market conditions on deposit growth, which implies that bullish market conditions reduce bank deposits. This verifies that the determinants of deposit flows adapt to the changes in market conditions. Policy strategies should include non-performance metrics such as an increase in the interest paid on customers’ deposits, product promotions, and targeted advertisements to sustain the inflow of depositors’ funds under changing market conditions.

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Yaacoub, Salim. "The legality of Lebanese banks’ restrictions on deposits: Between challenges and practice". Journal of Contemporary Iraq & the Arab World 15, n.º 3 (1 de septiembre de 2021): 325–50. http://dx.doi.org/10.1386/jciaw_00057_1.

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For almost two years, Lebanon has been suffering from a severe economic downturn, the worst since the end of the civil war (1975‐90). This has led to a complete financial collapse, with significant material losses incurred by the Lebanese Central Bank (BDL). It has also fuelled protests against the rampant corruption plaguing the country. Since the beginning of the banking crisis in Lebanon characterized by a lack of liquidity and the cessation of banks from dealing in US dollars, the risks surrounding deposits belonging to residents and non-residents, as well to foreigners, have emerged. This exacerbated the absence of procedures to determine the fate of deposits and the applicable legislation that protects these deposits. This article examines the resulting imbalances in the financial paradigm and demonstrates the illegality of actions or restrictions taken by banks. Consequently, this article explores the means to protect depositors’ rights and the legal steps followed by depositors to retrieve their money or at least to save what is left of it.

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Mulyk, Tetiana. "Analysis of Bank Deposit Operations: Condition, Problems and Improvements". Modern Economics 28, n.º 1 (20 de agosto de 2021): 75–84. http://dx.doi.org/10.31521/modecon.v28(2021)-11.

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Abstract. Introduction. The determining share of bank resources is formed in the process of implementation of deposit operations, the productivity of which depends on the stability, sufficiency and liquidity of banks. They need to systematically maintain proper customer service, use the latest deposit products and investment requirements to expand their customer base. That is why the assessment of the bank's deposit operations, identifying their problems and areas for improvement is very important. Purpose. The purpose of the article is to study the state of deposit operations of domestic banks, identify their problems and improve. Results. The article examines the essence of deposits, which is regulated by various regulations. The classification of deposits on various grounds is considered. The focus is on such types of deposits as: time deposits and demand deposits, their disadvantages and advantages are presented. The analysis of deposit operations in Ukraine is carried out. In particular, the following was assessed during 2010-2020: dynamics of residents 'deposits, dynamics of non-residents' deposits, residents 'deposits by maturity, residents' deposits by types of currencies, corporate and retail deposits, distribution of retail deposits by groups of banks and value of time deposits by data of statistical reporting of banks of Ukraine. It is indicated that in the development of deposits over the past ten years there are both quantitative and qualitative trends that reflect certain aspects of banks' deposit policy. Currently, there is a situation when the amount of deposits increases by sectors of the economy, in terms of types of currencies and maturities and the cost of their use decreases. The main problems of the deposit operations market of Ukraine as well as the directions of improving the efficiency of banks' deposit policy are identified. Conclusions. The study shows that currently there is a situation where the amount of deposits increases by sectors of the economy, in terms of types of currencies and maturities, and the cost of their use decreases. Summarizing the practice of banks and the views of scientists, identified the main problems of the deposit market of Ukraine. The directions of improvement of banks 'deposit policy are also covered, namely, introduction and expansion of innovative banking services, restoration of depositors' confidence in banks, modernization of deposit policy on the basis of modern inquiries, increase of interest in placing funds on deposit accounts.

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29

Smirnov, E. "Overdue Amendments to the Deposit Insurance Law". Auditor 9, n.º 6 (26 de junio de 2023): 3–8. http://dx.doi.org/10.12737/1998-0701-2023-9-6-3-8.

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Th e Parliament of Russia, having adopted Federal Law No. 83-FZ in March 2023, made serious adjustments to Federal Law No. 177-FZ of December 23, 2003 “On Insurance of Deposits in Banks of the Russian Federation”, which made it possible to ensure that depositors apply to the Deposits Insurance Agency (DIA) for the payment of insurance compensation in electronic form, and thereby significantly simplified and facilitated their contacts with the DIA.

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30

Zaini, Zulfi Diane, Yulia Hesti y Rivo Raihanza Passa. "Legal Aspects of Implementing Confidentiality Protection of Customer Fund Deposits at BUMD Bank Lampung". AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia 2, n.º 1 (24 de enero de 2023): 195–200. http://dx.doi.org/10.57235/aurelia.v2i1.273.

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Bank secrecy is important because banks as trusted institutions are required to keep everything related to depositors and their deposits confidential. As for the legal protection process for the secrecy of customer funds depositing funds at BUMD Bank Lampung, namely the prevalence of bank operations involving the collection of public funds such as through current accounts, savings, deposits, and so on. Meanwhile, after collecting these funds, the bank needs to distribute these funds to the public, namely through the provision of credit. Other efforts, namely adequate recording of bank operations or transactions conducted by banks is a must. Suggestions for bank management, it is best to be careful in applying the principle of bank prudence, especially in receiving funds to be deposited by customers by asking customers for sources of funds, especially for large deposits, so that the bank can avoid attempts at banking crime. such as money laundering.

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31

Widnyana, I. Wayan, Ni Putu Yeni Astiti, I. Gusti Ngurah Bagus Gunadi, I. Wayan Suarjana y I. Wayan Sukadana. "The relationship of guaranteed interest with managerial behavior, customers, and financial performance for banking". Uncertain Supply Chain Management 12, n.º 3 (2024): 1713–20. http://dx.doi.org/10.5267/j.uscm.2024.3.010.

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Guaranteed interest is crucial in financial systems, boosting depositor confidence and impacting bank risk. The discussion about guaranteed interest has been thorough, focusing on the reassurance it provides to depositors and the risks it brings. Although it prevents bank running, it can also make depositors too relaxed, potentially causing future crises. Previous research has focused on established guaranteed interest schemes, but there is still a gap in understanding the impact of introducing guaranteed interest during a crisis. This paper explores the relationship between guaranteed interest and managerial behavior, customers, and performance of conventional and Islamic banking. The research design uses existing statistics, with data obtained from the publications of the Financial Services Authority and Bank Indonesia. The analysis uses VAR/VECM models, with results showing that the movement of guaranteed interest rates (both rupiah and foreign currency) has a dominant impact on conventional banking compared to Islamic banking, both on bank managerial behavior, customer behavior, and the performance of the bank itself. Specifically, the movement of the guaranteed interest will trigger the management of conventional banks to increase loan interest, while from the customer side they will ask for a higher yield (interest) on third part funds (TPF). As a result, these two things will lead to a negative outcome on the performance of the bank itself, especially on Net Interest Margin (NIM), Return on Assets (ROA), Operational Expenditure to Operational Income (BOPO), and Loan to Deposit Ratio (LDR). In Islamic banks, the movement of the guaranteed interest also has an impact on the managerial behavior of the bank, customer behavior, and the performance of the bank itself, but the effect of the movement of the guaranteed interest is only small. Most of the growth in credit and deposits, fluctuations in financing margins and returns on deposits and dominant Islamic Financial Performance for Banking indicators are explained by factors other than movements in guaranteed interest rates.

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Morozko, Nina, Natalia Morozko y Valentina Didenko. "Determinants of the savings market in Russia". Banks and Bank Systems 13, n.º 1 (2 de mayo de 2018): 196–208. http://dx.doi.org/10.21511/bbs.13(1).2018.18.

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The main component of the bank’s efficient operations is a sufficient amount of deposit resources. The sharp devaluation of the national currency, the unstable situation of banks, and a significant number of bankruptcies adversely affected the propensity of the subjects to save. In the banking sector, a critical situation has developed when depositors, having lost confidence in banking institutions, began to withdraw money from deposit accounts, and in the crisis, this issue becomes the most important, because the massive withdrawal of deposits significantly worsens the liquidity of banks. With that in mind, the purpose of the article is to consider the main trends and prospects for the savings market development in Russia.The article analyzes the strengths and weaknesses of Russia’s savings market. Using banking statistics, similarities and differences in the savings market are shown, based on determinants such as the share of deposits in bank liabilities; the volume of deposits in national and foreign currencies, the role of leading banks; number of accounts; the volume of guaranteed deposits; and banking conditions. The study focuses on an empirical analysis of the relationship between gross savings and banking variables such as demand deposits, interest spread, and the bank capital to assets ratio. The domestic market of household savings is analyzed. This conclusion is also made visible as a result of the correlation-regression experiment.

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33

Abbasian, Alireza, Sayyed Kazem Chavoshi, Mirfeiz Fallahshams y Reza Gholami Jamkarani. "Examining the Impact of Parallel Market Fluctuations on Penalty Rate Levels with Predictions of Depositors' Behavior Regarding Deposit Failure Rates". International Journal of Innovation Management and Organizational Behavior 3, n.º 5 (2023): 10–22. http://dx.doi.org/10.61838/kman.ijimob.3.5.2.

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Objective: This research aims to investigate the fluctuations of parallel markets on the level of penalty rates and to propose a conceptual model predicting depositors' behavior regarding deposit failure rates. Theoretically, this study contributes to the development and presentation of factors affecting customers' financial behavior in the banking system (both private and public). From an innovation perspective, the proposed model examines the actual decisions and behaviors of individuals in financial matters. Method: The research methodology is applied and post-event in nature. This study adopts a quantitative approach. The data used in this research were collected by referring to time series statistics from the central bank, official bank websites, and the country's capital market and were utilized accordingly. The software used for data analysis in this research is Eviews. Findings: After the necessary data examination and analysis using the software, the results of this research indicate that in the first phase, the optimal portfolio was determined between currency rates, gold coins, real estate, securities, and bank deposits without imposing any penalty on long-term deposits. In this situation, individuals with different risk levels allocate 95%, 57%, and 37% of their portfolio to bank deposits, corresponding to risk-averse, moderate risk, and risk-seeking individuals, respectively. In the second phase, by imposing a penalty equal to 10% of the deposit profit, the optimal basket was determined; even in this case, these three groups of individuals with different risks allocate 88%, 53%, and 36% of their capital to bank deposits, respectively. Conclusion: It is observed that this decreasing trend in bank deposits continues until the penalty rate equals 25% of the bank deposit rate, beyond which no individual with any level of risk is willing to deposit in the bank.

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34

D’yachenko, T. "According to the publicity of the bank deposit agreement under the civil legislation of Ukrainе". ACTUAL PROBLEMS OF THE LEGAL DEVELOPMENT IN THE CONDITIONS OF WAR AND THE POST-WAR RECONSTRUCTION OF THE STATE, n.º 13 (1 de octubre de 2022): 385–91. http://dx.doi.org/10.33663/2524-017x-2022-13-61.

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The statute extends the power of civil legislation to a bank deposit agreement, for the participation of physical assets, as a public agreement. The indications are considered by the author as one of the applications of the exchange on the principle of «freedom of contract» in the civil circulation of Ukraine, which is directed at the defense of the weak side of the civil contract, which is a physical person who places the contract of a bank deposit with the bank. On the basis of the scientific research carried out by the author, the author states for such banks the right to entitle the depositor - an individual in the bank deposit agreement laid down in the bank deposit agreement, as well as the specificity of the parties to the bank deposit agreement, in which the depositor is an individual, vimg part 2. 633 Central Committee of Ukraine. The author has established that banks have laid down agreements on bank deposits with physical persons, like “great investors”, for the model of the agreement, with additions, they could have part 2 of article 633 of the Central Committee of Ukraine, є complicate It is pointed out that it is practically impossible to standardize the mind of a bank deposit agreement for such companies, looking at those who are able to agree on a bank deposit, from the side of potential depositors can be different. In general, there are also hybrid agreements on bank deposits for the participation of physical assets, for example, received by the bank on the minds of a subordinate board. The aim of the article. Based on a comprehensive analysis of civil law of Ukraine, to investigate the legal regulation of the bank deposit agreement, under which the depositor is an individual, as a public contract, to investigate the requirements of the law to such agreements, and provide suggestions for improving existing civil law. Results. Taking into account the above, we can conclude that under the conditions of expediency of maintaining the publicity of the bank deposit agreement, with the participation of individuals, at the level of Part 2 of Art. 158 of the Civil Code of Ukraine, it is advisable to give the right to the National Bank of Ukraine to determine the bank deposit agreements in which the depositor is an individual, such as the rules of Part 2 of Art. 633 of the Civil Code of Ukraine do not apply. Key words: deposit, agreement, bank deposit agreement, public agreement, admission agreement, pennies, goiter, subordination borg.

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35

HABRELIAN, Andrii y Oleksandr BODNARCHUK. "Development of the bank deposit insurance system in Ukraine". Economics. Finances. Law 6, n.º - (20 de junio de 2023): 50–55. http://dx.doi.org/10.37634/efp.2023.6.11.

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The paper examines the peculiarities of the formation and development of domestic bank deposit insurance systems. It has been established that one of the conditions for the normal operation of the banking system is the presence of appropriate systems to support their viability - bank deposit insurance systems. To date, such systems, with rare exceptions, function in most countries with a market economy. Bank deposit insurance systems perform two equal functions: first, they protect individuals and legal entities - clients of the banking system from the loss of their deposits (both partial and full) by paying insurance compensation; secondly, provide financial support to insolvent credit organizations, thereby stabilizing the banking system as a whole. It was established that the creation of the domestic insurance system of bank deposits was based on the American model with appropriate adaptation to domestic realities. Two main stages of the development of the system of protection of bank deposits in Ukraine are distinguished: 1. The nascent period (1998-2012). It is characterized by active legislative regulation of relations in the field of deposit insurance, practical experience is gained and its systematization is carried out, mistakes made are analyzed. 2. Stabilization period (2012 - to date). It is characterized by a comprehensive update of the legislative regulation of relations in the field of deposit insurance. Point changes are made to the current legal field taking into account crisis situations arising in the financial sphere of Ukraine. The domestic system of insurance of bank deposits provides citizens with the return of their funds placed in banks, in the event that the latter are unable to satisfy the demands of depositors regarding the return of their deposits.

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Bidabad, Bijan. "Non-Usury Banking Fits the Change Strategy: The Solution to Revive the Economy". American Economic & Social Review 5, n.º 1 (1 de junio de 2019): 49–61. http://dx.doi.org/10.46281/aesr.v5i1.283.

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Based on the working in different fields of sciences for a long time, a solution to change the structure of banking products as a solution to economic crises is proposed. By sharing the risks economically this solution can make economic integrity among all economic sectors.In this paper, we are going to introduce a new Islamic financial institution with elaborated economic and financial characteristics. «Non-Usury Bank Corporation» (NUBankCo) is defined in a way that depositors are the shareholders of the Bank. This corporation is a new kind of shared ownership corporation, which its shareholders are deposit holders and their deposits work as corporation’s equities. The defined bank can perform non-usury operations, and by designing a behavioral model, it is shown that NUBankCo can draw an environment that the welfare of society is to be maximized. Mobility of deposit resources in NUBankCo is less than conventional banks, and there are fewer conflicts between large and small shareholders/depositors and limits the emergence of shareholders’ cartels and thus huge sudden outflow of funds which creates bankruptcy crises.

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37

Houlbrook, Ceri. "The Other Shoe: Fragmentation in the Post-Medieval Home". Cambridge Archaeological Journal 27, n.º 2 (5 de diciembre de 2016): 261–74. http://dx.doi.org/10.1017/s0959774316000548.

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Deposits are not always recovered whole; many are found broken and damaged. The obvious explanation is that such objects were accidentally broken; however, some have been interpreted as having been deliberately damaged by their depositors, a practice termed ‘fragmentation’. Objects are broken into parts and deposited incomplete, often in ways that make their missing parts starkly evident. Thus many fragmented deposits denote synecdoche. It is the position of this paper that the absent (part) is just as integral to an understanding of the whole as the present (part) is, and this notion is explored by focusing on the post-medieval concealed shoe: an item of footwear that was fragmented by being deposited within the fabric of a building without its counterpart, for reasons unbeknownst to us. Drawing on a sample of 100 examples, this paper questions why such shoes were deposited as singles (the present parts), what became of the ‘other shoe’ (the absent part), and how such consideration aids our understanding of this enigmatic custom.

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38

Supriyadi, Ahmad. "LEGAL PROTECTION FOR HOLDERS OF DEPOSITS AS A FORM OF INVESTMENT AVAILABLE IN BANK". JILPR Journal Indonesia Law and Policy Review 5, n.º 3 (29 de junio de 2024): 493–99. http://dx.doi.org/10.56371/jirpl.v5i3.273.

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Legal protection is something that is very important considering that banks are financial institutions which in all their activities cannot be separated from the role of their customers, because the legal relationship between customers and banks is a legal relationship created based on trust (fiduciary relationship). A Certificate of Deposit or Certificate of Deposits is a product issued by a bank as a securities tool or instrument used to make payments in a transaction. Therefore, to foster public trust in banking institutions, steps need to be taken to protect the interests of depositors so that time deposit funds stored in a bank are guaranteed to be safe from all risks that may arise in the future. Providing legal protection to depositors is also related to the bank's operational potential. The formulation of the problem is what is the position of issuing deposit certificates in banking? and what form of legal protection is required by deposit holders in carrying out legal relations with banks?The form of research used in the research is normative juridical research. The results of this research are that the position of issuing deposit certificates is regulated in more detail in terms of the position of deposit certificates as securities that can be owned by all binding persons and their issuance can be reviewed from Financial Services Authority Regulation Number 10 /PJOK.03/2015 concerning the issuance of Deposit Certificates by Banks where deposit certificates can be issued in the form of scripless or scripless. AndThe legal relationship between the bank and the depositor is that they are essentially bound by an agreement where each party has the rights and obligations to fulfill the contents of the agreement. With the existence of an agreement, a relationship exists between the bank and the customer, where this relationship must be maintained by each party, especially the bank, by paying attention to the principles, namely the principle of trust, the principle of confidentiality, and the principle of prudence. Based on the provisions of Article 1 number 5 of Law Number 10 of 1998, between banks and customers is regulated by agreement law. So that the basis of the legal relationship between the bank and the customer is a contractual relationship. This means that once a customer enters into a contractual agreement with the bank, the engagement that arises is an engagement based on a contract (agreement).

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Ahmad, Mahadi y Riaz Ansary. "Fiqhī views on bayʿwa salaf and qarḍ-based Islamic banking deposit accounts in Malaysia". ISRA International Journal of Islamic Finance 9, n.º 1 (10 de julio de 2017): 106–12. http://dx.doi.org/10.1108/ijif-07-2017-011.

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Purpose Islamic banks are obliged to carry out transactions that only comply with Islamic commercial laws. Malaysia has been championing the Sharīʿah-based banking system, and so, continuous improvement on the compliance level of the institutions offering Islamic financial services is key to its global recognition in this industry. One of the issues that can affect deposit products is existence of a sale contract and loan facility in one transaction. Famous prophetic tradition prohibits this. Hence, this paper aims to examine the linkage between bayʿwa salaf (combination between a sale contract and loan in one transaction) and deposits accounts in Malaysia. Design/methodology/approach The subject matter of this paper is one that is researchable within library-based research. It is on this premise the research used the non-empirical qualitative research methodology. It used inductive method of analysis of both Islamic and policy documents on Islamic banking in Malaysia. Literature from Islamic jurisprudence, websites of some of the Islamic banks in Malaysia and relevant resolutions from the Shariah Advisory Council of Central Bank of Malaysia were consulted. Findings Based on the methodology mentioned above, the researchers arrived at the following findings: that, although there is no juristic disagreement about the prohibition of bayʿwa salaf, disagreement, however, occurs in results of some contracts. The most notable area of agreement on the existence of bayʿwa salaf is when there is express stipulation of sale or rendering of service and express or implied stipulation of loan alongside of the sale or service rendering. In an organized reversed tawarruq, the use of these deposits by the banks is regarded as loan from the depositors to the banks, who will soon put the money into sale that will generate profit to be divided between the banks and their depositors. However, this study finds that this is not bayʿwa salaf prohibited by the prophetic tradition. Originality/value The originality of this topic is proven by the new banking regulation regime of Malaysia, which compels Islamic banks to guarantee all deposits under them. As Islamic banks carry out their banking activities through trading, there is need to conduct a research such as this. This is to examine whether Islamic banks’ unilateral use of depositors’ funds in non-investment accounts which is translated, constructively, as loan from the depositors to Islamic banks amounts to bayʿwa salaf before the future tawarruq. Here there is loan and sale, which is the tawarruq. Hence, the need to do this research.

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Hartono, Rudi. "KONSEP DAN PERHITUNGAN BAGI HASIL PADA PENGHIMPUNAN DANA (FUNDING) DI BANK SYARIAH". ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM 4, n.º 1 (27 de junio de 2019): 1–22. http://dx.doi.org/10.32923/asy.v4i1.787.

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Sharia bank fund raising products are known as deposits, which generally consist of demand deposits for wadiah, mudharabah savings deposits, and deposits. The operational principle in Islamic banks that are applied in collecting public funds is the principle of wadi'ah and mudharabah. In the case of the authority of the mudharabah law is divided into two, namely mudharabah mutlaqoh and mudharabah muqoyyadah. The steps taken in calculating the profit-sharing of funds in Islamic banks include using the revenue sharing method, separating funds originating from mudharabah investment, calculating all total funds, calculating the average financing, summing total income, subtracting the percentage of investment, and determining the amount of profit obtained. The method used in deriving revenue sharing for depositors in Islamic banks is to use the calculation of investment returns per thousand and use profit-sharing calculations based on the average daily balance of all deposits and similar distribution income

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Penikas, H. I. "Premium for implicit deposit insurance within Russian state banks". Voprosy Ekonomiki, n.º 10 (11 de octubre de 2021): 89–112. http://dx.doi.org/10.32609/0042-8736-2021-10-89-112.

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Deposit insurance system (DIS) exists for 17 years in Russia. The major deposit market share belongs to state banks. Ordinary depositors may perceive the status of the bank state ownership to reflect additional deposit safety, even in the excess of the DIS limits. Such a situation is called an “implicit deposit insurance” in the literature. By offering a sort of implicit deposit insurance services state banks might underprice the deposits in excess of DIS limits compared to the private banks. We utilize data from the open sources to measure the scale of the implicit deposit insurance pricing in Russian state banks. We have revealed that Russian state banks pay extra premium all other things being equal. More specifically, the premium is larger in the smallest and the largest state banks, than in the medium-sized ones. Thus, we claim that the implicit insurance premium has a U-shaped form for Russian state banks depending on their asset size. However, Russian state banks underprice all deposits all other things being equal. Additionally, we find out that IRB banks in Russia are more prone to set up higher deposit rates when they take on more risks, than non-IRB banks.

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Höhnke, Nikolas. "Doing Good or Avoiding Evil? An Explorative Study of Depositors’ Reasons for Choosing Social Banks in the Pre and Post Crisis Eras". Sustainability 12, n.º 23 (3 de diciembre de 2020): 10082. http://dx.doi.org/10.3390/su122310082.

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The global financial crisis is expected to be of great relevance for social banks’ growth of deposits. However, it is still unclear why depositors choose social banks in general, and how the global financial crisis has affected depositors’ choice of social banks. The present paper thus explores a comprehensive set of reasons for choosing social banks, the individual relevance of reasons, as well as differences before and after the global financial crisis. Data was collected through a survey of five social banks, interviews with nine industry experts, and an online survey with 108 social and 413 conventional depositors. Using content analysis, a multi-level system of reasons for choosing social banks was identified, which refers to the social banks’ “good” and conventional banks’ “evil” characteristics. Based on a frequency analysis of codings per category, reasons with potential superior relevance for depositors’ decision-making were explored. A comparison with reasons for choosing conventional banks imply that depositors’ reasons for choosing social banks differ from those for choosing conventional banks in general. The results also indicate that the global financial crisis might have helped social banks’ growth by attracting new customer target groups, who chose social banks because of conventional banks’ “evil” characteristics.

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Rohaedi, Rosalia Alima Utami. "Tanggung Jawab Bank terhadap Simpanan Deposito Berjangka yang Tidak Tercatat dihubungkan dengan Perlindungan Hukum Nasabah menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan". Jurnal Riset Ilmu Hukum 1, n.º 1 (26 de octubre de 2021): 44–51. http://dx.doi.org/10.29313/jrih.v1i1.179.

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Abstract. Banking institutions have a role as supporting the economic life of a country and improve the living standards of the people and has the function of a financial intermediary (financial intermediary), which serves to raise and distribute funds to the community. Law No. 10 of 1998 on Banking there is a discussion about responsibility and legal protection of customers for deposits for the actions of bank employees. In raising these funds, customer trust Mega-Banks to deposit funds in the form of transaction deposits. In practice, YA as employees of a Mega Bank did not record such transactions to the banking system officially. As a result the customer can not dilute the deposit slip. Based on this, the problem in this research is formulated as follows: (1) How is the responsibility of the bank to the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking? (2) How legal protection for the customers of the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking?. Researchers using the method of approach used in this research is normative juridical, namely the methods of researching and studying the material-primary legal materials and secondary legal materials. As well as a descriptive analysis, which describes the laws and regulations that apply associated with the theories of law in the implementation of practices on the issue under study. The results of this study (1) the responsibility of the bank on transactions deposits time deposits which are not recorded that according to article 1365 of the civil Code, namely the employees of the bank have committed acts against the law and is obliged to replace the loss amounted to a loss of the customer arising out of his guilt. (2) The legal protection that can be received by the customer of the bank in terms of transaction deposits time deposits which are not recorded in the banking system is authorized by the employee of Bank Mega. Then the customer is entitled to get legal protection directly regulated in Article 29 paragraph (3) of the Banking Act that the bank is obliged to travel a ways that are not detrimental to the bank and the interests of the clients who entrust their funds to the bank. As well as the protection is not directly according to Article 29, paragraph 2 of Law No. 10 of 1998 on Banking which gives legal protection to depositors in the form of the implementation of the principle of prudence, as well as financial institutions are required to keep the security deposit. Abstrak. Lembaga perbankan mempunyai peran sebagai menunjang kehidupan ekonomi suatu negara serta meningkatkan taraf hidup masyarakat dan mempunyai fungsi financial intermediary (lembaga perantara keuangan) yang berfungsi menghimpun dan menyalurkan dana kepada masyarakat. Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan terdapat pembahasan tentang tanggung jawab serta perlindungan hukum nasabah mengenai simpanan atas tindakan pegawai bank. Dalam melakukan penghimpunan dana tersebut, nasabah mempercayai Bank Mega untuk menyimpan dana dalam bentuk transaksi deposito berjangka. Pada praktiknya, YA selaku pegawai Bank Mega tidak melakukan pencatatan transaksi tersebut kepada sistem perbankan secara resmi. Akibatnya nasabah tidak dapat mencairkan bilyet deposito. Berdasarkan hal tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut: (1) Bagaimana tanggung jawab bank terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan? (2) Bagaimana perlindungan hukum bagi nasabah terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan?. Peneliti menggunakan metode pendekatan yang digunakan dalam penelitian ini adalah yuridis normative, yaitu metode yang meneliti dan mempelajari bahan-bahan hukum primer dan bahan hukum sekunder. Serta deskriptif analisis, yaitu menggambarkan peraturan perundang-undangan yang berlaku yang dikaitkan dengan teori-teori hukum dalam pelaksanaan praktik pada masalah yang diteliti. Hasil dari penelitian ini (1) Tanggung jawab bank atas transaksi simpanan deposito berjangka yang tidak tercatat yaitu menurut pasal 1365 KUHPerdata yaitu pegawai bank tersebut telah melakukan perbuatan melawan hukum dan wajib untuk mengganti kerugian sebesar kerugian nasabah yang timbul dari kesalahannya. (2) Perlindungan hukum yang dapat diterima nasabah bank dalam hal transaksi simpanan deposito berjangka yang tidak tercatat dalam sistem perbankan secara resmi oleh pegawai Bank Mega. Maka nasabah berhak mendapatkan perlindungan hukum langsung yang diatur pada Pasal 29 ayat (3) Undang-Undang Perbankan bahwa bank wajib menempuh cara-cara yang tidak merugikan bank dan kepentingan nasabah yang mempercayakan dananya kepada bank. Serta pelindungan tidak langsung menurut Pasal 29 ayat 2 Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan yaitu memberikan perlindungan hukum pelaksanaan prinsip kehati-hatian, serta lembaga keuangan wajib menjaga keamanan simpanan.

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Khoiriyah, Ummal. "ANALISIS SISTEM PENENTUAN BESARAN NISBAH BAGI HASIL PADA PRODUK DEPOSITO DI BANK MUAMALAT INDONESIA KCP SITUBONDO". LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan 13, n.º 1 (29 de junio de 2019): 155–72. http://dx.doi.org/10.35316/lisanalhal.v13i1.455.

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Bank Muamalat Indonesia branch office Situbondo has a system for determining the amount of profit sharing ratio in deposit products with terms and conditions of deposits involved of depositing and refunding, bookkeeping, profit sharing, deposit termination, in line with applicable law and jurisdiction. Based on the results of the research, the system of determining the amount of profit sharing ratio on deposit products at Bank Muamalat Indonesia brach office Situbondo uses revenue sharing method. The method is still running in the application of profit sharing to customers which calculated based on the respective portion between depositors and bank. Characteristics of deposit products with the concept of profit sharing at Bank Muamalat Indonesia branch office Situbondo is the percentage ratio, for profit and for loss, collateral, determine the amount of ratio, how to resolve losses.

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Ennis, Huberto M. y Todd Keister. "Bank Runs and Institutions: The Perils of Intervention". American Economic Review 99, n.º 4 (1 de agosto de 2009): 1588–607. http://dx.doi.org/10.1257/aer.99.4.1588.

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We study ex post efficient policy responses to a run on the banking system and the ex ante incentives these responses create. We show that the efficient response to a run is typically not to freeze all remaining deposits, since doing so imposes heavy costs on some individuals. Instead, once a run is underway, (benevolent) government institutions would allow additional deposit withdrawals, placing further strain on the banking system. When depositors anticipate these extra withdrawals, their incentive to participate in the run increases. In fact, ex post efficient interventions can generate the conditions necessary for a self-fulfilling run to occur. (JEL G21, G8)

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46

de Gioia-Carabellese, Pierre y Corrado Chessa. "The So-Called Pan-European Depositors' Protection Scheme". Maastricht Journal of European and Comparative Law 23, n.º 2 (abril de 2016): 241–60. http://dx.doi.org/10.1177/1023263x1602300203.

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This article focuses on the legal provisions of Directive 2014/49 on deposit guarantee schemes (the DGS Directive) and focuses on how the national schemes financially support each another by offering a critical analysis to demonstrate that the new legal framework is far from satisfactory. This is because the new ‘safety net’, still hinged on depositors' protections schemes that operate at the national level, is fettered by the quantitative limits and legal constraints of mutual borrowing. This ultimately still leaves the EU/EEA depositors with an element of uncertainty. This contribution also seeks to illustrate that the recent mass withdrawal from bank deposits in Greece (in June/July 2015) was an unsuccessful test case for the new legislation, which was ironically already in force at the time the crisis unfolded. This case study of Greece is coupled with the important Landslaki dictum which is given equal attention in this article. Together they give significant credibility to the view that the DGS Directive, seemingly not fully aware of the lessons to be learnt from the 2011 Eurozone crisis, is obsolete and should be amended as soon as possible.

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Andros, Svitlana, Liudmyla Akimova y Oksana Butkevich. "Innovations in Management of Banks Deposit Portfolio: Structure of Customer Deposit". Marketing and Management of Innovations, n.º 2 (2020): 206–20. http://dx.doi.org/10.21272/mmi.2020.2-15.

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The economic and statistical analysis of the bank's deposit portfolio by the structure of deposits has been performed. An algorithm for grouping deposits by type of client, amount, maturity, and interest rate is proposed and tested. A technique is proposed for analyzing the influence of the type of forming factors: the amount, term, and interest rate on the change in the number of dividends on a bank deposit. The influence of each type of deposit on the overall increase in interest payments is determined. The purpose of the article is to improve the methodological approach to the effective management of the bank's deposit portfolio using the economic and statistical analysis of the structure of deposits. A study of the literature shows that insufficient attention is paid to the formation of an optimal deposit portfolio of the bank. The relevance of the article lies in the need to use the mathematical apparatus to optimize the process of managing the borrowed funds of customers. The tendency of changes in the amounts of balances, volumes of inflow, and subsidence of deposits of corporate clients and individuals in the bank is analyses. The methodology for grouping deposits by amounts, interest rates, and investment terms has been improved, which allows structural positioning changes in the total amount of the bank's deposit portfolio. A technique is proposed for studying the influence of factors on the structure of deposits in a bank. The methodology of index factor analysis has been improved to study the structure of deposits in the bank. For the analysis of cash flows, the average storage period, and average deposit balances for a certain period are determined. The index of the average duration of the use of a variable composition deposit is calculated. The economic effect for the bank from increasing the terms of attracting financial resources is calculated. A set of indicators has been proposed for assessing the effectiveness of managing customer funds raised. The study is based on a combination of statistical and economic-mathematical methods of analysis, a system-structural approach (systematization, grouping and ranking, analysis of time series, and scientific abstraction). Presented various marketing tricks that bank depositors may meet. The developed methodological provisions of a statistical study of the structure of deposits can be used in modeling and forecasting the results of financial institutions. Practical recommendations allow us to give an objective assessment of the state of the resource base of the bank in terms of the effective management of funds of individuals and corporate clients. Keywords: analysis, bank, monetary resources, deposit, efficiency, customers, portfolio, interest, amount, term, management.

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Authafa, Heider Hussein y sajidin faraj shuka. "The effectiveness of deposits with the United Bank for Investment in supporting the loans paid for the period 2005-2019". Muthanna Journal of Administrative and Economic Sciences 12, n.º 1 (31 de marzo de 2022): 92–104. http://dx.doi.org/10.52113/6/2022-12-1/92-104.

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The Bank in the exercise of its economic activities on the purely the world of the public, the company’s various companies and institutions, and the bank deposits are the most prominent sources of external financing of the bank, which is the main source of the bank’s funds. The Bank is doubling its economic importance to be able to be able to excess of capital in the depositors.

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DAVID RUSIA, DAVID RUSIA. "DEPOSIT INSURANCE SYSTEM IN GEORGIA AND WORLD TRENDS". New Economist 18, n.º 04 (11 de enero de 2024): 65–70. http://dx.doi.org/10.36962/nec18042023-65.

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The deposit insurance system is one of the main challenges of Georgian Banking regulation, which serves as a safety pillow of financial stability. Over the past 5 years, Georgia has increased the minimum deposit insurance limit from 5,000 GEL to 15,000 GEL per bank in order to achieve greater stability in the financial market. Georgia has already made a decision to increase the limit to 30,000 GEL from January 1, 2024. We examined the impact of the deposit insurance system on the safety of customers of banking institutions by comparing the volume of accounts/deposits protected by the system with existing practices in neighboring economies. We find that increasing attention to the importance of deposit insurance has led to an increase in the interest of foreign depositors and investors in placing funds in Georgian banks, which contributes to the improvement of international ratings and credit worthiness of Georgian banks. Keywords: Deposit insurance, cost of deposit funding, resolution.

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Abusharbeh, Mohmad T. "Analysis the Effect of Islamic Banks Performance on Depositor’s Fund: Evidence from Indonesia". International Journal of Economics and Finance 8, n.º 10 (23 de septiembre de 2016): 40. http://dx.doi.org/10.5539/ijef.v8n10p40.

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<p>This study aims to examine the effect of CAMEL framework on depositor’s fund of Indonesian Islamic banks. The study uses a sample of 11 Islamic commercial banks and 24 Islamic business units’. It used depositors fund as the endogenous variable, and some components of CAMEL such as capital adequacy, assets quality, operational efficiency, profitability, and liquidity as exogenous variables. An econometric model was established and parameters are estimated based on the secondary data obtained from Islamic banking statistics-Bank of Indonesia database for five years (2010-2015). The results of the paper conclude that capital adequacy ratio and liquidity are significant and positively correlated to Islamic deposits, while nonperforming financing is significant but negatively related to the Islamic depositor’s fund. On the other hand, profitability and operational efficiency are not to be significant influence on the depositor’s fund. Finally, the statement of theory proved that good Islamic banks performance provided positive image and confidence in Islamic banking system.</p>

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