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1
Masiukiewicz, Piotr. "Expansion of Islamic Finance in Europe". Journal of Intercultural Management 9, n. 2 (1 giugno 2017): 31–51. http://dx.doi.org/10.1515/joim-2017-0007.
Testo completoAbstract (sommario):
Abstract The development of Islamic finance, their crisis-resistance and possibilities for using experience of this sector in conventional banking industry are being subject of studies in many countries, also non-Muslim ones. In this paper the author presented the analysis of Islamic finance development and its determinants basing on examples from Europe. Such banks and investment funds have a growing share in European markets, which is confirmed by the latest EY’s data. Main obstacles to Islamic finance development include, among others: incompatibility of legal regulations in non-Muslim countries, low demand among Islamic diaspora in Europe, shortage of qualified Sharia scholars, unsatisfactory standardization of Islamic financial products and accounting policies. International Islamic finance institutions (incl. AAOIFI and IFSB) play a significant part in overcoming them. Particularly beneficial legislative changes were introduced in Luxembourg, Germany, Russia and in the United Kingdom. Emerging of other Islamic banks, increase in number of Islamic windows in traditional banks and further development of Islamic investment funds in Europe are to be expected.
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Chistyukhin, V. V. "Types of Non-Banking Financial Institutions". Actual Problems of Russian Law 16, n. 11 (25 ottobre 2021): 32–41. http://dx.doi.org/10.17803/1994-1471.2021.132.11.032-041.
Testo completoAbstract (sommario):
The paper is devoted to the study of the types of non-banking financial organizations. A classification is an integral part of scientific knowledge, which allows us to visually demonstrate the inner content of the category under consideration and identify the features of each element of the analyzed concept. The research issue of the paper is predetermined by the lack of legal division between non-banking financial organizations. The classification given in the paper, according to the author, on the one hand, most fully reflects the range of financial services provided by non-banking financial institutions, and, on the other hand, allows differentiating the roles that separate non-banking financial institutions play in the organization and functioning of the financial market. The latter is important for determining the specifics of legal regulation of different groups of non-banking financial organizations, since each of them has a different meaning for ensuring the stability and sustainability of the financial market. The paper reflects the author’s position concerning the definition of the concept of "non-banking financial organizations" and the place of individuals providing professional services in the financial market in the system of financial organizations.
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S, Jency. "Performance of Non-Banking Financial Institutions". International Journal of Humanities and Social Science 4, n. 2 (25 aprile 2017): 6–12. http://dx.doi.org/10.14445/23942703/ijhss-v4i2p102.
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GHEORGHE, Carmen Adriana. "Banking reform. Surveillance of prudential banking financial activities". SERIES VII - SOCIAL SCIENCES AND LAW 13(62), n. 2 (16 luglio 2020): 317–28. http://dx.doi.org/10.31926/but.ssl.2020.13.62.2.20.
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The rules of prudential supervision have brought more success to the efficiency of banking, which is protected from practices that could be harmful. The regulations contained in the rules applicable to the systemic ensemble are recognized in the supervision through the legal relationship between the supervisory authority and the credit institution. Through the legally established principles, the National Bank of Romania develops the potential requirements imposed on credit institutions and establishes a regular reporting in the conduct of supervisory activity. All credit institutions have an obligation to draw up their own regulations, rules to be complied with and operations to be carried out only after communicating them to the supervisory authority.
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Samsudin, Agus Rojak. "Product Innovation of Islamic Financial Institutions". International Journal of Nusantara Islam 4, n. 1 (14 marzo 2016): 29–40. http://dx.doi.org/10.15575/ijni.v4i1.1186.
Testo completoAbstract (sommario):
This article was composed from the fact that the presence of Sharia Financial Institutions (SFC) cannot be separated from the existence of Conventional Financial Institutions. Islamic Bank appeared in the midst of the conventional banking development. It certainly gives the impression product of Islamic Bank is seen as the imitation of conventional banking products. The historical analysis shows that the substantive function of banking operations has been practiced since the early days of Islam. Even the profit and lost sharing principle has been applied from transactions Islamic business transactions (Mu'amalah) in the ancient Arab, which has been explored in the modern era and also legitimized by the Fatwa of DSN MUI (National Sharia Council of Indonesian Ulama Council (NSC-ICU). This institution is often reinterpreting the concept of Islamic business, including the innovation of Islamic Banking products that are derived from the Quran, the Sunna, and Islamic Jurisprudence (al-Ijtihad).
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Subina Syal, Subina Syal, e Menka Goswami. "Financial Evaluation of Non-Banking Financial Institutions: An Insight". Indian Journal of Applied Research 2, n. 2 (1 ottobre 2011): 69–71. http://dx.doi.org/10.15373/2249555x/nov2012/25.
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Loser, Peter. "Financial Crisis – The Liability of Banking Institutions". Journal of European Tort Law 4, n. 2 (agosto 2013): 128–62. http://dx.doi.org/10.1515/jetl-2013-0012.
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AbstractThis article outlines what roles the banks have played in the subprime crisis and whether liability for damages sustained may be incurred. Apart from the conventional responsibility of banks towards their clients within the framework of wealth management or advisory services, the particular issue of possible liability for the creation and placement of investment products on the market is explored. Many questions which remain unanswered or are barely discussed are raised in the article. Independently of prospectus liability arising under specific legislative provision, is there a general tortious responsibility for providing incorrect information in connection with the issuing of securities? Is strict liability for the creation of dangerous products a realistic alternative – or supplement – to liability based on fault? Can individuals or institutions who were only indirectly involved as secondary victims claim compensation? In addition to the grounds of liability, other delicate legal questions are addressed, particularly relating to causation. For instance, it may not be clear whether an error in information or rather general market euphoria was the decisive factor in the investment decision. If, moreover, one wanted to extend liability to a large number of persons involved, the causal contributions of the individual banks may barely be determinable and could well be minimal. This leads to the question of whether procedural law is capable of dealing with such cases of loss.
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Novak, Anna, e Yana Yukhimchuk. "CURRENT STATE AND TRENDS IN THE DEVELOPMENT OF THE UKRAINIAN MARKET OF NON-BANK FINANCIAL SERVICES". Scientific Notes of Ostroh Academy National University, "Economics" Series 1, n. 21(49) (24 giugno 2021): 82–87. http://dx.doi.org/10.25264/2311-5149-2021-21(49)-82-87.
Testo completoAbstract (sommario):
The article highlights the concept of the market of non-banking financial services in accordance with the requirements of Ukrainian legislation and identifies the main intermediaries operating in this market. The study contains analytical data on the number of non-bank financial institutions operating in Ukraine, as well as the volume of assets of such financial institutions. The authors also present an analysis of the main trends in the development of the non-banking financial services market. For comparison, the structure of the financial market is presented in the form of the ratio of the number of banking and non-banking institutions. The article provides an analytical overview of the number of private pension funds, financial companies, pawnshops, credit unions and insurance companies operating in Ukraine over the past three years. The structure and volume of financial services provided by insurance companies have been studied separately. The authors state that despite the existence of non-bank financial institutions, the banking sector still prevails. Moreover, financial companies predominate in terms of assets among representatives of non-bank financial institutions. Despite the coronary crisis during 2016-2020, the number of financial companies and other non-banking institutions, including pawnshops and insurance companies, grew steadily. Such trends are assessed positively, as it indicates the development of the financial market and its stability in adverse conditions. In Ukraine, the market of non-banking financial services is underdeveloped compared to other countries, but despite the mentality and transition in the formation of the non-banking financial sector, it has good prospects for development. However, despite the positive changes, ways to improve the performance of non-bank financial institutions in crisis conditions have been proposed.
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Auzin, I. S. "Investment banking as a promising area of banking". Scientific notes of the Russian academy of entrepreneurship 21, n. 2 (9 luglio 2022): 26–30. http://dx.doi.org/10.24182/2073-6258-2022-21-2-26-30.
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Financial market participants are constantly trying to implement the adaptation of modern foreign products of banking institutions and innovative service tools as the formation of certain competitive advantages in this market.The Russian financial market is quite dynamic. It is no coincidence that many financial analysts note the fact that Russia is characterized by profound changes in the economic sphere, and especially in the banking services market.As banking institutions, it is customary to consider such organizations that collect funds from citizens of the country with special tools established by law, as well as transfer this capital to the process of use by various legal entities on the basis of the principle of repayment.Over the past few years, the banking institutions themselves have gradually changed their own status with the transformation from an additional financial instrument of the largest corporations into individual players in the market. A fairly rapidly developing area of such banking activity is investment banking (in other words, investment banking).For the first time, investment banking began to appear in the United States in the 30s of the last century, when, on a legislative basis, such banks were united into a separate conglomerate in order to manage the risks that arose as part of speculative operations in financial markets through deposits and customer deposits. This separation was further abolished, and commercial banks were again given the right to provide investment services.The subject of research in the article is the economic relations that arise in the process of intermediary activities of investment banks. The research results consist in identifying the actual features of the development of investment banking within the framework of the main types of investment activities of banks. The author substantiated the advantages of investment banks functioning as financial institutions, the main task of which is to attract investments for companies on a commercial basis or for state and municipal authorities.
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Zhytar, Maksym, e Julia Ananieva. "Features of financial results management of banking institutions activities". University Economic Bulletin, n. 40 (1 marzo 2019): 134–40. http://dx.doi.org/10.31470/2306-546x-2019-40-134-140.
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The article deals with the main financial results of the banks' activities in recent years, the peculiarities of management of the banking institution, and suggests ways to improve the management of financial results. The subject of the research is the complex of theoretical and practical aspects of identification of management of financial results of the bank at all stages of its activity. The main tasks are 1) to consider the management of the financial performance of the banking institution; 2) assess the performance and profitability of Ukrainian banking institutions; 3) determine the strategic directions of management of financial results of a banking institution. Research methods. The article uses the following methods: economic-statistical, graphical, methods of comparative analysis. Methodological basis of the article became general scientific methods of cognition, generalization, method of comparative analysis and other methods of research. Results of work. Managing the financial performance of the banking institution helps maintain effective performance, sustainable development and solvency. In order to manage financial performance and financial sustainability, leading banks throughout the world are implementing the management of the continuity of banking business, which guarantees the bank's readiness for potential problems and risks. Conclusions according to the article. One of the most effective and topical instruments for today is the development of financial results management of banking institutions. In order to reduce the time spent on conducting all necessary banking and banking procedures, new systems based on the application of the experience of the leading world banks should be introduced.
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Costea, Adrian. "Classifying non-banking financial institutions based on their financial performance". Proceedings of the International Conference on Applied Statistics 1, n. 1 (1 ottobre 2019): 185–93. http://dx.doi.org/10.2478/icas-2019-0016.
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Abstract In this paper we evaluate comparatively the performance of non-banking financial institutions in Romania by the means of unsupervised neural networks in terms of Kohonen’ Self-Organizing Maps algorithm. We create a benchmarking model in the form of a two-dimensional map (a self-organizing map) that can be used to assess visually the performance of non-banking financial institutions based on different performance dimensions, such as capital adequacy, assets’ quality and profitability. We use the following indicators: Equity ratio (Leverage) for the capital adequacy dimension, Loans granted to clients (net value) / total assets (net value) for the assets’ quality dimension and Return on assets (ROA) for the profitability dimension. We have excluded from our analysis the other three dimensions used in evaluating the performance of banks, due to lack of data (for the two qualitative dimensions: quality of ownership and management) and irrelevance with the NFIs’ sector (liquidity). The proposed model is based on the Self-Organising Map algorithm which creates a two-dimensional map (e.g. 6x4 = 24 neurons) from p-dimensional input data. The data were collected for eleven non-banking financial institutions for four years 2007-2010, in total 44 observations. Using the visualization capabilities of the Self-Organising Map model and the trajectories we show the movements of the three non-banking financial institutions with the worst performance: the largest underperformer denoted with X, the second largest underperformer denoted with Y and the third largest underperformer denoted with Z between 2007 and 2010.
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Lunkina, T., A. Burkovskaya e K. Gulich. "Application of financial technologies in the banking system of Ukraine". UKRAINIAN BLACK SEA REGION AGRARIAN SCIENCE 110, n. 2 (2021): 27–35. http://dx.doi.org/10.31521/2313-092x/2021-2(110)-4.
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T. Lunkina, A. Burkovskaya, K. Gulich. Application of financial technologies in the banking system of Ukraine This article examines the essence of financial technologies and their role in the development of the financial sphere of Ukraine. The issues of emergence of financial technologies are highlighted. It was considered how and with the help of which financial technologies the work of banking institutions is carried out during the COVID-19 pandemic. To determine the strengths and weaknesses, opportunities and threats, a SWOT analysis of the use of online technologies by Ukrainian banking institutions during the COVID-19 pandemic was carried out. It was found that there was an increase in demand among the population of fintech technologies, especially during the COVID-19 pandemic. Keywords: financial technologies, banking system, pandemic, startups, banking institutions, financial inclusion.
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Tighe, Patrick. "Underbanked: Cooperative Banking as a Potential Solution to the Marijuana-Banking Problem". Michigan Law Review, n. 114.5 (2016): 803. http://dx.doi.org/10.36644/mlr.114.5.underbanked.
Testo completoAbstract (sommario):
Numerous states have recently legalized recreational marijuana, which has created a burgeoning marijuana industry needing and demanding access to a variety of banking and financial services. Due, however, to the interplay between the federal criminalization of marijuana and federal anti-money laundering laws, U.S. financial institutions cannot handle legally the proceeds from marijuana activity. As a result, most financial institutions are unwilling to flout federal anti-money laundering laws, and so too few marijuana-related businesses can access banking services. This Note argues that the most viable policy option for resolving this “underbanking” problem is a financial cooperative approach such as a cannabis-only financial cooperative. Even in light of federal anti-money laundering laws, this Note contends that the Federal Reserve is legally authorized to grant some cannabis-only financial cooperatives access to its payment system services under the Monetary Control Act of 1980.
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Masse, H. Rahman Ambo. "DEWAN PENGAWAS SYARIAH DAN PROFESIONALISME SUMBER DAYA MANUSIA". DIKTUM: Jurnal Syariah dan Hukum 16, n. 2 (5 dicembre 2018): 147–70. http://dx.doi.org/10.35905/diktum.v16i2.616.
Testo completoAbstract (sommario):
Sharia Supervisory Board (DPS) is one of the most important part in the system of Islamic financial and banking institutions in Indonesia. The existence of DPS is recognized based on applicable laws and regulations. The existence of DPS in sharia financial institutions and sharia banking aims to oversee sharia principles that must be implemented in real terms in the contract system and transactions in Islamic financial and banking institutions. Empirically, the recognition of legislation on the existence of DPS has not been fully implemented by Islamic financial and banking institutions. In fact, recommendations regarding the findings of sharia principles violations in the contract system and transactions in sharia financial and banking institutions often receive a response from the board of directors. Therefore, the most important indicator that DPS must have is the professionalism of its human resources. Competence is a determinant factor in recruiting DPS. These competencies include aspects of mastery of fiqh muamalah theories, competency in reading financial statements, and competencies in the field of engagement law.
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Miremadi, Alireza, e Omidreza Ghanadiof. "CRM Competitive Strategy in Financial Institutions". European Journal of Business and Management Research 6, n. 3 (24 maggio 2021): 111–17. http://dx.doi.org/10.24018/ejbmr.2021.6.3.867.
Testo completoAbstract (sommario):
This research highlighted the most essential factors that have influenced CRM from the customers’ side. To execute this research, the researcher has reviewed literature, design a questionnaire, and distributed 430 questionnaires among the respondents in main different cities. Furthermore, the results were analyzed through SPSS and SEM Software. This research’s comprehensive CRM models try to evaluate the association of Physical Environment Quality, Products & Services, Quality of Virtual Environment, and Quality of Electronic Banking Service as an indicator of External Customer Relationship (ECR). Moreover, this study has tried to measure the influence of Trust, Satisfaction, Commitment, and Loyalty in CRM and emphasizes the fact that CRM, ECRM, and Brand management are vital concepts systems that could enhance an organization’s revenue and increase the volume of valuable customers for the banking industry.
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Kuznetsova, Angela, Borys Samorodov, Galyna Azarenkova, Kateryna Oryekhova e Maksym Babenko. "Operational control over the financial stability of banking". Banks and Bank Systems 15, n. 1 (3 marzo 2020): 51–58. http://dx.doi.org/10.21511/bbs.15(1).2020.06.
Testo completoAbstract (sommario):
Maintaining proper financial stability of each banking institution is one of the main tasks facing the banking system of Ukraine. This enables operational control over the financial strength of banking activities.The purpose of the article is to develop recommendations on the operational control of financial stability of banking and to test them using banking institutions in Ukraine as an example.To execute operational control over the financial stability of banking, economic standards of banking regulation are grouped under the “at least” or “not exceeding” principle. To determine their change over time, Shewhart control charts are proposed.The recommendations were tested through the example of the Ukrainian banking institutions (with state, foreign and private capital). It was found out that in 2017–2019, the following three economic standards of banking regulations were not met: regulatory capital adequacy, high credit risk, and average investments; besides, there were two standards at the limit of control value: the ratio of regulatory capital to total assets and the maximum amount of credit risk per counterparty.To improve the financial status of banking institutions, it is recommended to take organizational and financial measures to change the average value of the relevant economic standards for banking regulation to a level that ensures financial stability.
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Benston, George J. "Universal Banking". Journal of Economic Perspectives 8, n. 3 (1 agosto 1994): 121–43. http://dx.doi.org/10.1257/jep.8.3.121.
Testo completoAbstract (sommario):
Universal banks can offer the entire range of financial services within the bank or through subsidiaries. Most countries permit universal banking. In contrast, the United States is served only by specialized banks. Universal banking, particularly in Germany, is contrasted with specialized banking with respect to their effect on financial stability, economic development, other financial institutions, concentration of political and economic power, consumer choice, and conflicts of interest. This examination, including a review of relevant empirical studies, leads to the conclusion that universal banking offers many benefits and few costs to U.S. consumers.
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Nestorov, Valentina. "Convergence in the Functioning of Banking and Nonbanking Financial Institutions in Serbia". Economic Themes 55, n. 3 (1 settembre 2017): 353–76. http://dx.doi.org/10.1515/ethemes-2017-0020.
Testo completoAbstract (sommario):
AbstractIn recent decades, the main characteristics of developed countries have been numerous changes in the banking industry, which led to the emergence of new trends. We are faced with the continuing trend of creating new banking products, as a result of the demands and desires of consumers, as well as stronger competition between banks and non-banking financial institutions. Due to increased competition, banks are losing a significant share of the financial market. Due to the new situation, banks are increasingly, in the context of their banking products, including newer services, in order to counter the competition of non-banking financial institution, i.e. banks are beginning to offer non-banking operations. In this way, banks engage in high-risk zone, which, if not directed in the right way can jeopardize banks’ operations. The aim of this writing is to highlight the importance of convergence of banking and non-banking financial institutions, which is still underdeveloped in the Serbian market. The purpose is to raise awareness with banks and other non-banking financial institutions that joint cooperation in reference to connectivity can bring benefits financially and in terms of increasing mutual trust of clients and suppliers of services. It could be beneficial to both banks and non-banking financial institutions as well as to final users - customers.
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Abubakar, Lastuti, C. Sukmadilaga e Tri Handayani. "IMPACT OF SHADOW BANKING ACTIVITIES AS NON BANK INTERMEDIATION TOWARD REGULATORY DEVELOPMENTS IN FUNCTION CONTROL OF FINANCIAL SERVICES SECTOR IN INDONESIA". Diponegoro Law Review 1, n. 1 (7 ottobre 2016): 47. http://dx.doi.org/10.14710/dilrev.1.1.2016.47-60.
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Based on the Global Shadow Banking Monitory Report 2015 issued by the Financial Stability Board, global shadow banking activities manage 80% of global GDP and 90% of the global financial system assets. Hence, this study aimed to examine the regulation and supervision of shadow banking activities in Indonesia. The method used is normative juridical with descriptive analytical research specifications. Based on the research results as follows : regulation of shadow banking in Indonesia's financial services sector covers all financial institutions outside the banking sector or Non-Bank Financial Institutions that the regulations are scattered in various rules. Indonesia has developed an integrated surveillance system for the entire financial services sector, include NBFIs. Development of shadow banking regulation will be based on the strengthening of reporting, monitoring, supervision and regulation. Keywords : regulatory developments, shadow banking, and supervision
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Savchenko, T., e L. Mynenko. "FORMATION OF UKRAINE TRANSPARENCY BANKING". Vìsnik Sumsʹkogo deržavnogo unìversitetu, n. 4 (2019): 35–41. http://dx.doi.org/10.21272/1817-9215.2019.4-4.
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The article analyzes requirements of the National Bank of Ukraine for transparency of banks, banking groups and non-banking financial market participants. Transparency development process in the Ukrainian banking sector considered in a dynamic and in context of the EU's transparency requirements. Authors came to conclusion that the National Bank of Ukraine have to extended last achievements at banks transparency issues on activities of banking groups and to non-banking financial institutions. This conclusion based on rudiments of effective supervision of banking groups on a consolidated basis, as well as the adoption by the Verkhovna Rada of Ukraine of the Law on "Split". This law extends the National Bank's responsibility in the supervision of non-banking financial institutions (insurance, leasing, financial companies, credit unions, pawnshops and credit bureaus) since July 2020. Therefore, the National Bank should introduce new regulatory requirements to increase the transparency of banking groups and non-bank financial intermediaries. These reforms will establish uniform approaches and standards for disclosure of information on the activities of financial institutions, as well as provide the harmonization of national legislation with EU requirements. Expanding the list of public reporting information and establishing proper reporting intervals will ensure the stable functioning of the financial market and will increase the confidence in the financial system by the users of financial services. These measures will also help management of the financial organization to make informed decisions in defining their development strategy. Besides, they will provide further development of the competitive environment in the financial services industry. Keywords: transparency of banking system, transparency requirements, bank, banking group.
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Fotso, Bakam, e E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa". Journal of Economics and Behavioral Studies 9, n. 2(J) (18 maggio 2017): 6–21. http://dx.doi.org/10.22610/jebs.v9i2(j).1646.
Testo completoAbstract (sommario):
Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four†South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
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Fotso, Bakam, e E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa". Journal of Economics and Behavioral Studies 9, n. 2 (18 maggio 2017): 6. http://dx.doi.org/10.22610/jebs.v9i2.1646.
Testo completoAbstract (sommario):
Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
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Elmawazini, Khaled, Khiyar Abdullah Khiyar e Asiye Aydilek. "Types of banking institutions and economic growth". International Journal of Islamic and Middle Eastern Finance and Management 13, n. 4 (1 luglio 2020): 553–78. http://dx.doi.org/10.1108/imefm-09-2018-0304.
Testo completoAbstract (sommario):
Purpose This paper aims to compare the effects of Islamic and commercial banks on economic growth among the Gulf Cooperation Council (GCC) countries during 2001–2009 (before and during the financial crisis) and 2010–2017 (after the financial crisis). Design/methodology/approach The authors use a cross-sectionally correlated and timewise autoregressive (CCTA) model. The authors also extend the theoretical endogenous growth model developed by Pagano (1993) by introducing the developments in Islamic and commercial financial markets. Findings The authors find that Islamic banks fueled economic growth more than conventional banks before and after the financial crisis. The authors conclude that finance is a major determinant of economic growth, but finance does not follow economic growth. The results show that the ethical principles of Islamic finance can positively affect economic growth. Originality/value The authors contribute to the empirical literature first by examining feedback causality and cointegration between the banking sector and economic growth by examining the impact of the interaction between the banking sector and rule of law on economic growth in the GCC countries instead of a single country, second by providing both of the theoretical and empirical analysis and third by distinguishing between Islamic and conventional banks.
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Agustina, Kurnia, Heni Noviarita, Erike Anggraini e Surono Surono. "SUKUK RATING AND FINANCIAL RATIO IN ISLAMIC BANKS". Tasharruf: Journal Economics and Business of Islam 6, n. 1 (30 giugno 2021): 31. http://dx.doi.org/10.30984/tjebi.v6i1.1452.
Testo completoAbstract (sommario):
The sukuk rating in capital market world is important because it will be considered by investors in determining investment decisions, on the other hand, that the rating will provide relevant information regarding the companies that issue sukuk, which will be in accordance with the main purpose of the sukuk rating, namely reducing the information asymmetry of issuers and investors purpose of this study is to discuss the effect of profitability ratios, liquidity ratios, leverage and productivity ratios on sukuk ratings in Islamic banking institutions issuing sukuk. By using purposive sampling from 14 Islamic banking institutions, 6 Islamic bank institutions were obtained as research samples in the 2015-2019 period, which were analyzed using multiple linear regression showing that only the productivity variable had a significant and positive influence on the rating of sukuk in Islamic banking institutions, although, with a positive coefficient, profitability does not have a significant effect on the sukuk rating, while the liquidity and leverage variables do not have a significant effect and form a negative relationship pattern on the sukuk rating in Indonesian Islamic banking institutions that issue sukuk.
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Wilson, Rodney. "Shari'ah Governance for Islamic Financial Institutions". ISRA International Journal of Islamic Finance 1, n. 1 (1 dicembre 2009): 59–75. http://dx.doi.org/10.55188/ijif.v1i1.65.
Testo completoAbstract (sommario):
For Islamic financial institutions to have credibility, formal procedures for Shari’ah governance are required; otherwise clients would have no assurance that the institution is upholding the principles of Islam in its financial dealings. This formal assurance can be provided by national law, as in the case of Iran, which enacted the Law on Interest- Free Banking of 1983, under which all banking operations had to be Shari’ah compliant. Malaysia passed an Islamic Banking Law the same year, but it created a dual system whereby licensed Islamic banks could compete alongside those operating conventionally. Unlike in Iran, however, Malaysia instigated a system for ongoing assurance by establishing Shari’ah Boards for the Central Bank and the Securities Commission with the power to deliver fatwa, and boards at the level of each Islamic bank to ensure that the financial products they offered are Shari’ah compliant and conform to the requirements of the centrally issued fatwa. At the other extreme, the countries of the GCC have devolved all Shari’ah governance to the institutional level, although many Islamic banks recognise the rulings of the Shari’ah Board of the Bahrain-based Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and the Organization of the Islamic Conference (OIC) Fiqh Academy. This paper discusses the merits of centralised versus devolved Shari’ah governance and considers what competences and experience Shari’ah Board members should have. The Islamic Financial Services Board has recently issued guidelines on Shari’ah governance. These are evaluated, including the conditions for the appointment of Shari’ah Board members, their mandate, procedures for the conduct of meetings, and lines of accountability and reporting.
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Pandey, Alok, e Syamal K. Ghosh. "NPA Management in India: In Search of a New Paradigm?" Paradigm 9, n. 2 (luglio 2005): 64–76. http://dx.doi.org/10.1177/0971890720050207.
Testo completoAbstract (sommario):
The banking & financial sector in India is undergoing rapid transformation Banks & financial institutions have amassed huge NPA's (Non-Performing Assets). This paper presents a comparative analysis of NPA management practices in several Asian countries and seeks to find out whether Indian institutions should emulate these. It also looks at several innovations in NPA and credit risk management techniques at banks & financial institutions in the last decade. This paper also analyzes the efficacy of credit derivatives as a tool for credit risk management and insolvency management in banking and financial institutions. It critically analyzes the evolution, growth and usage of these instruments since their introduction in the banking sector in India.
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Sidak, Volodymyr, e Yana Koval. "ANTI-CRISIS MANAGEMENT ECONOMIC SAFETY OF BANKING INSTITUTIONS ON THE STATE LEVEL: PROBLEMS AND WAYS OF THEIR SOLUTION". Європейський науковий журнал Економічних та Фінансових інновацій, n. 2 (10 dicembre 2018): 20–28. http://dx.doi.org/10.32750/2018-0203.
Testo completoAbstract (sommario):
The development of the economy directly depends on the state of the banking system, financing and servicing of enterprises by banking institutions. A prerequisite for this is to ensure a stable financial position of banks, which is the main task of both their owners and the regulator of the banking sector. In transition economies with poorly developed financial markets, in most cases, banks are the only institutions that form the necessary information for financial intermediation, provide diversification of financial resources, reduce the level of risk of financial activity, and promote the implementation of leading standards of corporate governance. Even in economically developed countries, banks remain centers of financial and economic activity, while taking a special place among financial institutions as instruments of making credit investments, creating savings and ensuring payments. In addition, stability is extremely important given the functions of financial intermediation, the provision of cash flow, customer satisfaction in financial services, the efficient allocation of credit resources and the maintenance of financial discipline among borrowers. In transition economies with poorly developed financial markets, in most cases, banks are the only institutions that form the necessary information for financial intermediation, provide diversification of financial resources, reduce the level of risk of financial activity, and promote the implementation of leading standards of corporate governance. Even in economically developed countries, banks remain centers of financial and economic activity, while taking a special place among financial institutions as instruments of making credit investments, creating savings and ensuring payments. In the article, the directions of improvement of the mechanism of state regulation of anti-crisis management by the economic security of banking institutions of Ukraine are systematized by systematizing the main measures, which are united in the main directions, in particular such as: the period of implementation; by the entities that implement them; on the mechanisms of implementation; by types of banking activity.
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Mursalov, Muslum. "Banking regulations, financial system stability and trust in the ECB: a structural equation model". Economic Annals-ХХI 192, n. 7-8(2) (21 settembre 2021): 148–57. http://dx.doi.org/10.21003/ea.v192-12.
Testo completoAbstract (sommario):
Government interventions has long been a question of great interest in a wide range of fields. Scholars have been debating the scope and degree of intervention in the banking sphere that considers government capabilities. This study set out to provide some empirical evidence on the intertwined relationship between government interventions carried out through banking regulations and trust in the European Central Bank (ECB), taking into account the mediating role of financial system stability. A combination of quantitative approaches was used in the data analysis. The confirmatory factor analysis in STATISTICA was applied for hypothesis development, followed by the structural equation modeling (SEM) based on the statistical package SEPATH used for research hypothesis testing. This study aims to contribute to this growing area of research by exploring that financial system stability mediates the path between banking regulation and trust in central banking. It was found that stricter government regulatory and supervisory interventions in the banking sphere are changing the imprudent financial institutions’ behavior, however, negatively accomplishing financial development financial markets and institutions. Meanwhile, both financial system stability and banking regulations contribute to trust in the ECB. The research findings add to the growing body of research that indicates that stricter government regulatory and supervisory interventions in the banking sphere drive trust violations in central banking upon the causal chain by virtue of financial development financial markets and institutions deterioration.
29
Hayatudin, Amrulla, e Panji Adam. "Application of maqâṣid al-sharî’ah in murâbahah contract in sharia financial institutions". Indonesian Journal of Islamic Economics Research 2, n. 2 (25 ottobre 2020): 85–94. http://dx.doi.org/10.18326/ijier.v2i2.4311.
Testo completoAbstract (sommario):
The development of the Islamic finance industry, especially Islamic banking, demands product innovation. Based on its business activities, Islamic banking implements three types of business activities, there are fundraising, distribution, and banking service activities. The Financing products that are widely used are Murâbahah contracts. The implementation of Murâbahah in Lembaga Keuangan Syariah (LKS) has been modified, so that the sharia signs and spirits are needed to remain in the sharia corridor. This type of research is library research with normative juridical methods. The results showed that Maqâṣid al-syarî'ah is an important component in Islamic financial institutions. Because, without the implementation of Maqâṣid al-syarî'ah in the development system of Islamic financial institutions, muamalah products are developed, banking and financial regulations will be rigid and static, consequently Islamic banking and financial institutions will be difficult to develop.
30
Usoskin, V. M. "Shadow banking: Regulatory Reform and Its Effectiveness". Finance: Theory and Practice 23, n. 4 (22 agosto 2019): 69–79. http://dx.doi.org/10.26794/2587-5671-2019-23-4-69-79.
Testo completoAbstract (sommario):
Over the past three decades, a large group of non-bank financial institutions has been formed in the world economy. These institutions fall outside the realm of traditional banking and take an active part in the lending processes of economic turnover entities. The activities of these institutions, called the shadow banking system (SBS), led to an increase in systemic risks and had a negative impact on the state of the global financial system. This was distinctly displayed during the global financial crisis of 2007–2009. The subject of this article is a series of measures taken by the international and national financial control bodies after the financial crisis to eliminate most risky aspects of shadow banking and to strengthen the system of financial oversight and monitoring. The final aim of the analysis is to evaluate effectiveness of the measures on strengthening control and limiting risks applied by the control bodies of the G-20 countries in the course of the reform to enterprises of the traditional and shadow sectors of the financial system. The results of the analysis show that the reform strengthened positions of traditional banks and improved their ability to resist financial shocks. As to the shadow banking sector, contrary to the statements of the initiators of the reform the regulative measures did not eliminate the systemic risks peculiar to nonbank financial institutions and did not stop their growing activities. This situation threatens the stability of the global financial system and a possibility of a new financial slump retains.
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Ramadani, Suci, e Siti Nabila Ainnaya. "Peningkatan Literasi Keuangan Syariah Dalam UMKM Di Desa Kuta Parit Kecamatan Selesai Kabupaten Langkat". Maslahah: Jurnal Pengabdian Masyarakat 3, n. 2 (21 giugno 2022): 112–21. http://dx.doi.org/10.56114/maslahah.v3i2.406.
Testo completoAbstract (sommario):
Community service activities in Kuta Parit Village, Selesai District, Langkat Regency aim to improve the financial literacy of local communities who have micro businesses so that they can understand the products of Islamic financial services institutions, financial institutions, especially banking, about the benefits and risks of using Islamic financial service institutions' products. The method used is to conduct Islamic financial education delivered by the presenters, as well as conduct evaluations in the form of pre-test and post-test to the participants who were present in the village office hall. The results of the PKM show that the literacy of PKM participants in Kuta Parit Village, Selesai District is quite good in understanding the material related to Islamic financial literacy presented a.) the difference between conventional banking and Islamic banking, b.) in addition to this, MSME actors also understand the products sharia banking service products.
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Wang, Cheng-Kun, Mohammad Masukujjaman, Syed Shah Alam, Ismail Ahmad, Chieh-Yu Lin e Yi-Hui Ho. "The Effects of Service Quality Performance on Customer Satisfaction for Non-Banking Financial Institutions in an Emerging Economy". International Journal of Financial Studies 11, n. 1 (15 febbraio 2023): 33. http://dx.doi.org/10.3390/ijfs11010033.
Testo completoAbstract (sommario):
This study aims to explore the effects of service-quality dimensions on the customer satisfaction of non-banking financial institutions in an emerging economy by adopting the renowned SERVPERF model. To verify the proposed model, data was collected from thirteen non-banking financial institutions in Bangladesh using a questionnaire survey with a purposive random sampling method. Through the Smart PLS 2 software, the partial least squares structural equation modelling approach was used to analyze the collected data. Research findings reveal that, among the six dimensions of the revised SERVPERF model, assurance, reliability, responsiveness and tangibility have significant effects on customer satisfaction, but accessibility and empathy do not for the non-banking financial institutions in Bangladesh. According to the research results, implications and suggestions have been discussed for non-banking financial institution managers.
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Kizim, A. A., e N. V. Smolyakova. "Financial logistics as a tool to streamline the process flow of credit institutions". Finance and Credit 26, n. 9 (29 settembre 2020): 1984–2004. http://dx.doi.org/10.24891/fc.26.9.1984.
Testo completoAbstract (sommario):
Subject. The article addresses the problem of flow process management of credit organizations and their optimization, using the financial logistics tools in the banking practice. Objectives. The purpose is to consider the financial logistics as an effective tool of flow process management, the specifics of applying its methods in banking, and to develop practical recommendations for streamlining these processes, based on the logistics approach. Methods. The study employs methods of financial and economic analysis, synthesis, induction and deduction, and the systems approach. The academic papers of Russian and foreign scientists on financial logistics and flow process management serve as methodological and theoretical basis of the research. Results. We explore the financial logistics, reveal the specifics of using its methods in the banking practice. The paper presents practical recommendations for streamlining the flow processes, based on the logistics approach in the banking sector. Conclusions. The presentation of a credit organization as a logistic system enables to use methods of logistics approach in the banking practice in accordance with the objectives of each individual system element and its financial specificity. The offered recommendations can be applied in the banking practice to solve problems associated with the improvement of bank financial flow management. The findings may be useful to develop the theory of financial logistics and measures for streamlining the financial flows of credit organizations.
34
Sharma, Dipasha. "Nexus between financial inclusion and economic growth". Journal of Financial Economic Policy 8, n. 1 (4 aprile 2016): 13–36. http://dx.doi.org/10.1108/jfep-01-2015-0004.
Testo completoAbstract (sommario):
Purpose The purpose of this study is to assess the nexus between the vast dimensions of financial inclusion and economic development of the emerging Indian economy. Design/methodology/approach In this study, vector auto-regression (VAR) models and Granger causality test were followed to test the main research question in Indian context. The data were collected on various dimensions of financial inclusion and economic development for the period 2004-2013. Findings Empirical results and discussion suggest that there is a positive association between economic growth and various dimensions of financial inclusion, specifically banking penetration, availability of banking services and usage of banking services in terms of deposits. Granger causality analysis reveals a bi-directional causality between geographic outreach and economic development and a unidirectional causality between the number of deposits/loan accounts and gross domestic product. The results obtained favor social banking experiments in India with a deepening of banking institutions. Research limitations/implications This study is limited to the banking institutions and specifically to the emerging and developing economies. Practical implications This study analyzes the quantitative value of social banking experiments and governments’ efforts to enhance financial inclusion in terms of economic growth. Social implications Financial inclusion plays a key role in developing a strong and an efficient financial infrastructure, which facilitates the growth of an economy. The findings of the study reveal that there is a strong association between banking penetration and growth. The discussion leads in the favor of deepening of the banking institutions, and therefore, policymakers can look forward to these findings to maintain a sustainable-inclusive-developed economic system in an emerging economy like India. Originality/value This study is original in nature and includes recent evidence and efforts to promote financial inclusion in the Indian economy. The findings of this study will be of value to banks and policymakers.
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Mutize, Misheck, e Virimai Victor Mugobo. "Development of the shadow banking system in Zimbabwe: A blessing from the shadows?" Journal of Governance and Regulation 4, n. 4 (2015): 323–26. http://dx.doi.org/10.22495/jgr_v4_i4_c2_p4.
Testo completoAbstract (sommario):
The rising of shadow banking institutions in Zimbabwe has been very quick for formal banking institutions and regulators to strategise against the threats that came with their development. This study applied qualitative data analysis and find that, the growth of a shadow banking system was market driven. Lack of confidence and financial innovation on the mainstream banking system to structure financial products that improve intermediation gave space for shadow banking growth. In response to this development, the researcher recommended that regulatory focus should be on the functions of shadow banks rather than institutions; this will be more inclusive and efficient in avoiding innovative creation of new entities that perform the same shadow banking functions. Also, the Zimbabwean formal banking system should be innovative in-line with the development of the international banking models
36
Bukhtiarova, Alina, Andrii Semenog, Yevgeniya Mordan, Viktoriia Kremen e Yevgen Balatskyi. "Modeling the dynamic patterns of banking and non-banking financial intermediaries’ performance". Banks and Bank Systems 17, n. 1 (10 febbraio 2022): 49–66. http://dx.doi.org/10.21511/bbs.17(1).2022.05.
Testo completoAbstract (sommario):
Nowadays, there are many preconditions and circumstances for conducting shadow schemes in the financial market. Therefore, the level of risk of participation of bank and non-bank financial intermediaries in such schemes is assessed as high. The lack of a practical methodology for assessing the development trajectory of financial intermediaries raises the question of the need for preventive control and quality modeling of their growth dynamics. The study aims to identify and formalize the patterns of development paths of banking and non-banking financial intermediaries based on the Harrington desirability function, which will be used to identify risk patterns as indicative patterns of financial intermediaries’ participation in shadow schemes. The sample includes 13 banking institutions, 3 credit unions, 3 pawnshops, 3 insurance companies, and 3 financial companies. The obtained results showed the relationship between the financial intermediary risk level in terms of its participation in shadow schemes and the phases of the economic cycle as a catalyst for the economic dynamics of the formal and informal economy. Thus, in 2012–2015, most financial intermediaries were in the zone of most significant risk, especially banks, characterized by economic, social, and political instability. Today, banks are in the group with a controlled level of risk of participation in scheme operations. Over the years analyzed, a stable neutral level of risk of participation in shadow schemes was inherent in most non-bank financial institutions. They were less sensitive than banks to the phases of the economic cycle. AcknowledgmentAlina Bukhtiarova and Yevgeniya Mordan gratefully acknowledge financial support from the Ministry of Education and Science of Ukraine (0120U100473, 0121U100469).
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Rodliyah, Nunung, Recca Ayu Hapsari, Aditya Mahatidanar Hidayat, Lukmanul Hakim e Ade Oktariatas K. "Sharia Financial Technology in the Development of Bankable Micro Businesses". International Journal of Financial Research 11, n. 6 (1 dicembre 2020): 203. http://dx.doi.org/10.5430/ijfr.v11n6p203.
Testo completoAbstract (sommario):
Fintech is one of the drivers of the existence of a movement to improve MSME finance, especially the lower middle class through Islamic financial institutions. The development of digital technology, including in the Islamic financial industry, has had a major influence with the existence of financial technology (fintech), all forms of transactions are faster, easier, and more efficient, without the need to meet in person. Financial technology collaboration with Islamic financial institutions, especially Islamic banking can increase financial inclusion at MSMEs in Indonesia. The implementation of Fintech in the Islamic banking industry will facilitate and bring business players closer, especially MSMEs to access Islamic financial service products offered and apply for financing directly without having to go directly to the branch offices. Such a model, in addition to making it easier for MSME sector business people to gain financial access, can also improve financial inclusion and improve the performance of Islamic banks. Efforts to increase the capacity of micro businesses that were originally unbankable can be increased to bankable. Where the role of related institutions such as banking and fintech, which is currently becoming popular in the community, can contribute and build micro businesses to become more independent and encourage economic development in Indonesia with the collaboration of banking institutions and micro businesses in financing.
38
Trippner, Paweł. "Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012". Management 17, n. 2 (1 dicembre 2013): 177–89. http://dx.doi.org/10.2478/manment-2013-0064.
Testo completoAbstract (sommario):
Summary Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012 The banking system is a very important element of the financial system of a country. As institutions of public trust, banks play a crucial role in the process of transforming savings into investments, which directly affects the country’s economic development. Maintaining the banking sector in a good financial condition guarantees stability of the financial system and economic development of Poland. The article aims to present the essence of operations of banks as financial institutions, present their role in the economy, and describe various methods of appraising their financial condition. In order to fulfil the above goals, a research hypothesis is put forward stating that the financial condition of the banking sector in Poland deteriorated in the analysed period as a result of an adverse impact of turbulence in financial markets and problems in banking sectors in the European Union countries.
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PRIKHNO, Iryna, Igor CHASTOKOLENKO e Artem MARCHENKO. "THE PROBLEMS AND PROSPECTS FOR FINANCIAL INTERMEDIATION DEVELOPMENT IN UKRAINE". "EСONOMY. FINANСES. MANAGEMENT: Topical issues of science and practical activity", n. 4 (44) (aprile 2019): 92–100. http://dx.doi.org/10.37128/2411-4413-2019-4-11.
Testo completoAbstract (sommario):
In today's global economy, financial intermediation is an extremely powerful source of financial resources that can be used for investment purposes, since financial intermediaries can combine temporarily free (unused in the economy) financial resources of different business entities and direct them to those sectors of the economy that need investment. At the same time, financial intermediaries simultaneously provide the movement of financial assets and contribute to the development of the economy. It is proved that the objective need for a study of financial intermediation in Ukraine is to establish such a mechanism for the redistribution of financial resources in the country in order to achieve the maximum level of development of the economy both at the micro level and at the macro level. In Ukraine, the process of reforming the economy continues, including the financial market. The main participants in the financial market are financial intermediaries, which bring together buyers and sellers of financial assets. Activities of financial intermediaries in the financial market can be characterized by the fulfillment of the following main functions: accumulation of savings of economic entities; placing of attracted financial resources in the branches of economy; obtaining profit (own, as well as other economic entities); ensuring economic development. We believe that the main purpose of financial intermediaries is to create a balance in the financial market by matching interests and needs of all participants in the financial market and balancing demand and supply on financial resources. The most common is the division of financial intermediaries into banking institutions (banking sector) and non-bank financial institutions (non-banking financial sector). Currently, in Ukraine, banking institutions are represented by universal and specialized commercial banks of Ukraine, and non-bank financial institutions are represented by insurance and financial companies, credit unions and pawnshops, non-state pension funds and trust companies. According to statistics, the banking sector is larger in terms of assets, while the number of financial market participants is dominated by the non-banking financial sector. The analysis carried out shows an increase in the role of non-bank financial institutions in the financial market. Non-financial sector entities are dominated by financial companies. The article outlines the following main problems of the development of financial intermediation entities in Ukraine: the inconsistency of the financial system of Ukraine with the real sector of the economy, as a result of which the non-banking sector of the economy is not able to fully perform its main functions; the presence in the financial market of institutions that practically do not perform the functions assigned to them, thus creating significant risks for the normal functioning of the market; Ineffective legislation and an ineffective system for overseeing the activities of financial intermediaries, which gives rise to distrust of financial institutions; low level of financial literacy of the population. In order to overcome the problems identified and to provide an effective mechanism for the functioning of financial intermediary institutions in Ukraine, it is proposed to: introduce common rules of conduct in the financial market for banks and non-bank financial institutions, but taking into account the specifics of each type of financial intermediary; to intensify activity in the financial market of investment funds, insurance companies and non-state pension funds; Maximize the attraction of the non-banking financial sector to the development of the real sector of the economy; introduce a reliable mechanism for protecting the funds of the population and business entities; to create a service consulting center for the provision of services by non-bank financial institutions. We believe that the outlined directions for solving the problems of the development of financial intermediation create the basis for its further improvement and promote the activation of their effective activity.
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Newman, Karl, e Mads Andenas. "IV. Insurance and Banking". International and Comparative Law Quarterly 47, n. 3 (luglio 1998): 719–24. http://dx.doi.org/10.1017/s0020589300062308.
Testo completoAbstract (sommario):
The internal financial market is still far from its completion. Parts of the financial market and certain financial institutions are not yet covered by implementing directives. In areas that are covered by directives, transposition by member States has not removed important practical barriers to cross-border establishment and provision of services. An interesting feature of the current developments in the EC regulation of financial markets is the Commission's use of “Communications” to implement Treaty freedoms and so to remedy the situation where the member States have blocked proposals for a directive or where unacceptable barriers remain after their transposition.
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Weli, Weli. "Information Technology Governance Disclosure in Annual Report of Indonesia Financial Institutions". CommIT (Communication and Information Technology) Journal 14, n. 2 (20 ottobre 2020): 73–80. http://dx.doi.org/10.21512/commit.v14i2.6626.
Testo completoAbstract (sommario):
The research aims to analyze the level of information technology (IT) governance disclosure in the annual report of financial companies and influencing factors in the exposure of IT governance. It distinguishes financial companies into two groups, namely banking and non-banking financial sectors. The data collection method used is the content analysis of the 2017 annual report from the companies. The results of 76 financial companies show that the level of IT governance disclosure by financial companies in Indonesia is higher than in previous studies in southern Africa and Belgium. Data analysis also shows that the determinants of IT governance disclosure are different in the two groups of companies. The determinant of IT governance disclosure for the banking industry is profitability, while the nonbanking financial sector is the company size.
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Müslüm oğlu Müslümov, Namiq. "The main directions of development of the modern banking system". SCIENTIFIC WORK 76, n. 3 (18 marzo 2022): 90–94. http://dx.doi.org/10.36719/2663-4619/76/90-94.
Testo completoAbstract (sommario):
Son illərdə qlobal bank sistemi informasiya texnologiyalarında sahəsində baş verən inqilabi yeniliklərin və yeni pul-maliyyə münasibətlərinin təsiri ilə əhəmiyyətli dəyişikliyə məruz qalmışdır. Banklar öz müştərilərinə xeyli sayda və günbəgün yenilənən xidmətlər təklif edir və beləliklə, aqressiv şəkildə bəzi bank olmayan sahələrə daxil olur və universal maliyyə institutlarına çevrilirlər. Müasir dünyanın bank işində biz öz fəaliyyətinə görə milli sərhədləri aşaraq beynəlxalq bank sahəsinə daxil olan bank və maliyyə institutları nəzərə çarpmağa başlamışdır. Bu cür bank və kredit təşkilatları beynəlxalq və regional maliyyə və bank institutları ilə birlikdə beynəlxalq bankçılığı təşkil edirlər. Açar sözlər: bank, bank və maliyyə xidmətləri, informasiya texnologiyaları, qlobal bankçılıq Namiq Muslum Muslimov The main directions of development of the modern banking system Abstract In recent years, the global banking system has undergone significant changes under the influence of revolutionary innovations in the field of information technology and new monetary relations. Banks offer their customers a large number of services that are updated on a daily basis, and thus aggressively enter some non-banking sectors and become universal financial institutions. In the banking business of the modern world, we have begun to notice banking and financial institutions that have crossed national borders and entered the field of international banking. Such banks and credit organizations, together with international and regional financial and banking institutions, organize international banking. Key words: banking, banking and financial services, information technology, global banking
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Abd Razak, Abd Hakim. "Centralisation of corporate governance framework for Islamic financial institutions". ISRA International Journal of Islamic Finance 10, n. 1 (19 giugno 2018): 36–51. http://dx.doi.org/10.1108/ijif-08-2017-0020.
Testo completoAbstract (sommario):
Purpose The purpose of this paper is to supply basic insights into the principle of shūrā (consultation) in Islamic banking, the idea of a centralised approach to the corporate governance of Islamic financial institutions (IFIs), the roles of a centralised Sharīʿah board as the highest authority on Sharīʿah issues and its distinguishing features from a de-centralised system and the advantages and disadvantages of the two governance systems. Design/methodology/approach In analyzing these, the paper adopts the critical legal studies approach and refers to the provisions of the Qurʾan and Sunnah, ijmāʿ (consensus) of Sharīʿah scholars and recent Islamic banking reports. Findings Despite the fact that the double-digit growth of the current US$2tn Islamic banking industry is a promising sign for its further expansion – expecting to cross the US$6.5tn mark by 2020 – there remains concern over the lack of standardization or rather the diversified approaches to the corporate governance of IFIs across key Islamic banking regions. Practical implications There has been much debate surrounding the issue of whether the Islamic banking industry requires a centralised Sharīʿah board at the state level to complement the Sharīʿah boards at the IFIs’ individual level in providing better supervision of the Sharīʿah-compliance of IFIs. The fact that the industry is already equipped with two prominent standard-setting agencies in the form of the AAOIFI, the IFSB does little to suggest that best governance practices – which centre around the themes of consistency, harmony and uniformity – are on the horizon, at least not whilst their issued standards and guidelines remain voluntary for IFIs. Originality/value All in all, it is aspired that this paper may assist the reader in evaluating the pros and cons of the whole concept of Sharīʿah board centralisation.
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Rosyadi, Imron. "KOMPARASI EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA". Riset Akuntansi dan Keuangan Indonesia 2, n. 1 (14 aprile 2017): 61–74. http://dx.doi.org/10.23917/reaksi.v2i1.3683.
Testo completoAbstract (sommario):
The purpose of this study was to: (i) acknowledge and examine the differences between the financial performance of Islamic banking with conventional banking, (ii) to analyze and explain the differences in efficiency levels between Islamic banking and conventional banking (iii) analyze and compare the efficiency of Islamic banking with banks conventional. The population used in this study is a commercial bank in Indonesia with 124 banking institutions with the details of five state banks and 119 private banks. sample of banking institutions in this study are 5 government-owned banking institution (s) and 12 institutions of Islamic banks. The method of analysis used in quantitative research is descriptive (analytic). Measurement and test efficiency and efficiency ratio of the difference of Islamic banking from conventional banking to use Supplier Data Analysis (DEA) and two different test mean (t-test). The results showed during the observation period 2012-2016, economic activities (banking) of Islamic banks are relatively more efficient than conventional banks Keywords: comparative, efficiency, financial performance
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Tereshchenko, H. "Decapitalization of non-banking financial institutions: factors and consequences". Ekonomìka ì prognozuvannâ 2015, n. 3 (15 ottobre 2015): 42–57. http://dx.doi.org/10.15407/eip2015.03.042.
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COLE, DAVID W., e WILBUR A. RAPP. "UNIVERSITY COURSES IN COMMERCIAL BANKING AND OTHER FINANCIAL INSTITUTIONS". Financial Review 5, n. 1 (9 marzo 2005): 348–58. http://dx.doi.org/10.1111/j.1540-6288.1970.tb01474.x-i1.
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Husodo, Zaafri Ananto, e Daniel Wojtyla. "Systemically important financial institutions (SIFI) in Indonesian banking system". International Journal of Monetary Economics and Finance 11, n. 4 (2018): 327. http://dx.doi.org/10.1504/ijmef.2018.095741.
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Husodo, Zaafri Ananto. "Systemically Important Financial Institutions (SIFI) in Indonesian Banking System". International Journal of Monetary Economics and Finance 11, n. 4 (2018): 1. http://dx.doi.org/10.1504/ijmef.2018.10012020.
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Bruža, Dino, e Luka Latkovich. "The banking development within the framework of financial globalization". Obrazovanje za poduzetništvo - E4E 10, n. 2 (18 dicembre 2020): 139–54. http://dx.doi.org/10.38190/ope.10.2.13.
Testo completoAbstract (sommario):
The concept of a bank has a long history of origin, but a short history in relation to as it is known today. The first traces of banking can historically be placed at a time when money was deposited with jewelers, but over time, the practice of lending surplus money has evolved, which is why its concept of commerce has changed. The subject of this study and research is the bank, primarily as a joint stock company. It reveals issues of functioning banks and banking, the relationship between the bank and other financial institutions, the financial and banking system, and the role and meaning of non-bank financial intermediaries. The purpose of this paper is to highlight the role and importance of banks in business, and to discover the degree of influence on other institutions. By elaborating on labor issues, it highlights their economic importance in financial globalization. The aim of this paper is to get to know its main tasks for which it was founded and the process of transformation of banking services in the global framework, especially in entrepreneurship. A research hypothesis has been formed: financial globalization affects the rapid development of banking, and reveals the great influence of the banking sector on other institutions. During this research several basic scientific methods were used (compilation method, descriptive method, specification and generalization methods and comparison method). Attention is placed on the comparison of the role and importance of the banking industry in the past and in the modern business world. The emphasis is placed on comparing the role and importance of the banking sector in the past and in the modern business world. The analysis of the development of banking and entrepreneurship forms a quality framework for further research, and gives an added value to the readers in terms of a better understanding of the differences between financial institutions, supported by practical examples of selected global banks in the global market.
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Osipova, Dar'ya, e Irina Gavrilenko. "The Essence and Mechanism of Financial Recovery of Lending Institutions". Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2020, n. 1 (24 aprile 2020): 121–12. http://dx.doi.org/10.21603/2500-3372-2020-5-1-121-129.
Testo completoAbstract (sommario):
The current situation in the banking sector of the Russian Federation reveals a high degree of instability of lending institutions. In this regard, the Bank of Russia acts as a mega-regulator: its policy is to stabilize the banking market by using various financial and administrative instruments. Most commercial banks are not able to cope with the new requirements and regulations imposed by the state. As a result, they leave the market and recognize their insolvency. The present article introduces some statistics that characterizes the state of the banking sector over the past six years and confirms the situation described above. The existing banking legislation proved unable to determine the concept of insolvency of a commercial bank. The authors proposed a more specific definition of this concept, which fully reflects the essence of this economic phenomenon. In order to avoid bankruptcy, a credit institution may resort to a financial recovery procedure. A prompt and complete procedure gives an opportunity to avoid negative consequences and resume banking activities. The authors introduced a new interpretation of the financial recovery procedure in order to highlight the essence and specific features of the mechanism in the current economic conditions. The article presents a classification and a detailed roadmap of financial recovery measures. The roadmap provides a gradual financial recovery of the lending institution, which can be interpreted as the development of an economy.