Artykuły w czasopismach na temat „Banks and banking”
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Antonova, Olena, Iryna Tsapliuk i L�onid Blazhey. "INVESTIGATION OF THE INFLUENCE OF DIGITALIZATION OF BANKING ON THE STRATEGIC MANAGEMENT OF THE BANK". Actual Problems of Economics 1, nr 232 (2020): 35–42. http://dx.doi.org/10.32752/1993-6788-2020-11-232-35-42.
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The article examines the impact of digitalization of banking on the strategic management of the bank and different scenarios of strategic development of the bank depending on the degree of acceptance of the bank's digitalization process. An analysis of the study of digital technologies currently used by banks in Ukraine. Based on the considered gradations of digital banking, it was concluded that Ukrainian banks follow the partial introduction of digital technologies in their own activities and use the first two models of each grading: �digital banking brand� and �bank with digital channels�, as well as banking, as a service and �inclusive bankin�. The bank's management, based on financial capabilities and the chosen model of strategic development of the bank, is able to choose different options for digital technologies that will solve various problems of its activities, increase efficiency and ensure optimization of revenues and expenses
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Hartini, Titin, Rika Lidyah i Nurfala Safitri. "The comparison of islamic and conventional banking in ownership structure and interest rates in Indonesia". Integrated Journal of Business and Economics 8, nr 1 (15.02.2024): 652. http://dx.doi.org/10.33019/ijbe.v8i1.688.
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Ownership structure and interest rates are important factors affecting a bank's performance. Previous studies have found the effect of ownership structure and interest rates on company performance, but no one has specifically examined differences in Banking performance in ownership structure and interest rates. This study aims to compare the performance of Islamic and conventional banking in ownership structure and interest rates. In study, the author used quantitative methods that emphasize the analysis of numerical data processed using Stata 16. Based on the unstructured data panel, there are 13 Islamic banking and 107 conventional banking, the total banks used as objects are 120 banks with 1110 observations. The results are local ownership did not affect the performance of Islamic banks, compared to conventional banking on the contrary. Foreign ownership in Islamic banking affects Banking performance, while conventional banking has no effect. Furthermore, government ownership affects the performance of Islamic banks, but does not affect the performance of conventional banking. Based on the results of the study, it can be proven that government and foreign interference in the ownership of Islamic banking plays a role in improving the bank's performance. Whereas conventional banking has performed well under local ownership.
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Asuan, Asuan. "TRANSAKSI PERBANKAN MELALUI INTERNET BANKING". Solusi 17, nr 3 (1.09.2019): 317–35. http://dx.doi.org/10.36546/solusi.v17i3.220.
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Internet banking is one of the bank's services to customers to obtain information, communicate and conduct banking transactions through the internet network, the implementation of which customers already have a bank account, ATM and User ID and PIN to conduct banking transactions through internet banking based on article 1320 and 1338 Civil Code. Act Number 10 of 1998 concerning Banking in article 5 concerning types of banks, namely commercial banks and people's credit banks and article 40 regarding bank secrecy, including matters of banking transactions through internet banking and legal protection provided by banks regarding the confidentiality of customer data. Disputes on banking transactions through internet banking (banks and debtors) can be resolved by referring to agreements agreed upon by the parties, dispute resolution can be done through court (litigation) or outside the court (non-litigation) based on Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution in article 6 concerning general disputes that can be resolved through arbitration.
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Goyal, Sahil. "E-BANKING, ITS GROWTH & FUTURE IN INDIA". INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, nr 04 (1.05.2024): 1–5. http://dx.doi.org/10.55041/ijsrem32541.
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Businesses make investments in e-business and the technology that supports it. Applications for e-business, like supply chain management and customer relationship management, boost innovative product and service offers, strong customer relationships, and transaction efficiency and scope economies. Companies find it challenging to turn these advantages into revenues or economic value, though. Many enterprises that have started online have failed to generate profits. According to a 2001 AMR Research Inc. survey, businesses would continue to spend more on e- business even in a recession. At best, though, these investments have yielded a mediocre return. Conventional Banking To conduct standard banking functions including cash withdrawals, fund transfers, and account inquiries, clients must physically visit the bank's branch. However, clients using e-banking can complete these transactions 24/7 from the comfort of their homes or workplaces using desktops or laptops and electronic media. We call this banking—anytime, anyplace. Consumers don't need to wait in line, deal with tellers, deal with constrained banking hours—all they need to do is visit the bank's website to examine their account details and do transactions as needed. The Banking System in India Scheduled and non-scheduled banks were distinguished under the Reserve Bank of India Act, 1934. The Second Schedule of the RBI Act, 1934 lists scheduled banks, which include state co-ops, regional rural banks, and commercial banks (both foreign and Indian). The banks not listed in this schedule are considered non-scheduled. Three types of banks comprise India's organized banking system: co-ops, regional rural banks, and commercial banks. The Reserve Bank of India, the nation's highest monetary and financial body, is in charge of managing the banking sector. Banks for commerce, which have been in place for many years encourage urban savings and make them available to trading and industrial organizations for working capital needs. Commercial banks were divided into public sector banks, sometimes known as nationalized banks, and private sector banks after 1969.
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Smith, N. "Banking without banks". Engineering & Technology 18, nr 8 (1.09.2023): 76–81. http://dx.doi.org/10.1049/et.2023.0803.
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Kusumawardani, Annisa, i Insiyatul Iftitah. "CONCEPT ANALYSIS AND FINANCIAL PERFORMANCE IN CONVENTIONAL AND ISLAMIC BANKS ON PERIODE 2016-2020". JEM17: Jurnal Ekonomi Manajemen 7, nr 1 (6.05.2022): 101–18. http://dx.doi.org/10.30996/jem17.v7i1.6508.
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Banking is one of the essential elements of economic sustainability. Indonesia has two banking systems: banking with conventional principles and banking with sharia principles. Differences in the regulation of the system can affect the results of the bank's performance. So, it is necessary to analyze the comparison of bank performance to determine the significance of the differences. This research aims to present the findings of a financial performance analysis carried out on Islamic and conventional banks' financial statements in 2016-2020. This study analyzes by looking at financial performance ratios consisting of Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operating Costs, and Operating Income (BOPO), and Financing Deposit Ratio (FDR). ) using SPSS. 36. The results obtained are significant differences between CAR, ROA, ROE, BOPO, and FDR of conventional and Islamic banks. Islamic banks' CAR, ROE, BOPO, and FDR values are better than conventional banks, while conventional banks' ROA is better than Islamic banks.
Keywords: Conventional Banks, Financial Performance, Islamic Banks
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Yunusova, R. F. "Ecosystem as a business model of the bank in the era of remote banking". Siberian Financial School, nr 2 (22.08.2023): 75–78. http://dx.doi.org/10.34020/1993-4386-2023-2-75-78.
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In the conditions of active digitalization of the banking sector, remote banking is becoming a key condition for the bank's competitiveness. This article analyzes the ecosystem of banks based on statistical data. The main purpose of the work is to analyze the effectiveness of ecosystem business in remote banking. The article identifies promising directions for the development of digital banking, factors that determine the formation of a new business model of banks, clarifies the concept of omnichannel and remote banking services, taking into account the peculiarities of the development of the ecosystem of banks. Particular attention is paid to the ecosystems of Sberbank JSC "Tinkoff Bank".
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Lukić, Radojko. "Analysis of financial performance and efficiency of banks in Serbia using fuzzy LMAW and MARCOS methods". Bankarstvo 51, nr 3-4 (2022): 130–69. http://dx.doi.org/10.5937/bankarstvo2204130l.
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Researching bank efficiency factors is very challenging. Bearing that in mind, this paper analyzes the financial performance and efficiency of banks in Serbia based on the fuzzy LMAWMARCOS method. The obtained empirical results show that the top five banks are, in order: Banca Intesa, OTP Banka Srbija, Komercijalna banka, Mobi Banka and NLB banka. Badly positioned banks include, in order: MIRABANK, API banka, Srpska banka, 3 BANKA and Addiko Bank. Among other things, the efficiency of banks in Serbia was significantly affected by the Covid-19 pandemic. In order to improve the financial performance and efficiency of banks in Serbia in the future, it is necessary to manage resources (human capital, assets and capital), sales of banking products and profits as efficiently as possible. The digitization of the entire banking business also plays a significant role in this.
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Makawa, Elizabeth. "INTERNET BANKING". INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, nr 05 (21.05.2024): 1–5. http://dx.doi.org/10.55041/ijsrem34310.
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The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the banks. This research work was undertaken to ascertain the impact of Internet banking in Indian banks and evaluation of its effectiveness in the banking system. To put this study on a unique out look I’ve designed together information while personal questionnaires interaction was paid purely to areas of customers and cashiers of Indian bank and review of related literatures to the main themes and sub themes. It was ascertained that Internet banking has helped the banks to attain goals and objectives. KEYWORDS:internet banking, information technology,electronic transfers
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Sulaiman, Mohammad Sharif, i Naser AbdelKarim. "Electronic Banking Strategies and Their Impact on Customers’ Satisfaction: Empirical Evidence from Palestine". Asian Social Science 15, nr 10 (29.09.2019): 20. http://dx.doi.org/10.5539/ass.v15n10p20.
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Digital banking could be a new era for banks in Palestine. Electronic banking services have become an essential part of the banking services in most of the banks in Palestine, along with the traditional banking represented by the physical branches. Recently, more banks in Palestine have shifted towards Electronic Banking services by utilizing the advancement in the Information and Telecommunication technology thereby enhancing the customer experience and satisfaction, and increasing the efficiency of the banking services, since electronic banking is available 24/7, with no restrictions on working hours.
This study examines the correlation between electronic banking services in Palestine and customer satisfaction. The main question is: “What is the impact of the electronic banking strategies on customers’ satisfaction within the banking sector in Palestine?” The methodology used to tackle this question is based on two major components: a) survey design targeting 347 banks’ customers in 8 banks in Palestine, b) Direct interviews with the Top management of two major banks in Palestine (Arab Bank and Bank of Palestine) on the bank's future strategies towards Electronic banking.
With the introduction of the Third generation of wireless internet (3G) service in Palestine, the internet has become readily available and accessible, at any time. Along with the availability of traditional wireless network in the bank itself, the banking systems in Palestine are moving quickly toward digitalization. This study finds several interesting findings, one of these findings is the significant positive correlation between electronic banking strategies and customer satisfaction using these services. Thus, the study null hypothesis was rejected and the alternative hypothesis was accepted. This finding will be guiding the banks in Palestine to build strategies focusing on electronic banking services to achieve one of their top objectives by attracting and retaining their customers for the long-term.
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Adriansyah, Ahmad, Fathoni Zoebaedi i Ramzi A. Zuhdi. "Does the Principle of Running a Business in Conventional Vs Sharia Become Differentiator? Study on Banking Industry in Indonesia 2009 - 2014". Jurnal Ilmu Manajemen & Ekonomika 8, nr 2 (30.06.2016): 116. http://dx.doi.org/10.35384/jime.v8i2.10.
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Comparing to conventional bank, Islamic banking industry in Indonesia relatively still in the early development stage. Islamic bank is different with conventional bank, and therefore there is a special regulation for Islamic bank. Research conducted in 22 countries (including Indonesia), shows that Islamic banking and has differences with conventional banking in term of business orientation, efficiency, asset kuality and stability. But other research 13 countries (not including Indonesia), show that Islamic banking’s performance is lower than conventional banking (Ariss, 2010). Islamic banking in Indonesia has a unique characteristic. Most of Islamic banking in Indonesia is converted from conventional bank, owned by conventional bank or originated from a conventional bank. Some resource of Islamic bank comes from conventional banking even some of them still using resource from their conventional bank as their parent. This result raises a question, whether in the context of Islamic banking in Indonesia, its performance is significantly different from conventional banks. To answer the research questions above, we do a t-test on ROA and ROE Islamic banks and conventional banks from 2009-2014. The results showed that there was no significant difference between the financial performances of Islamic banks with conventional banks, except for 2014. In 2014 Islamic bank’s ROE is lower than conventional banks. This research opens the opportunity to study the factors that could cause a difference in the performance of Islamic banks vs conventional banks.
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Zherdetska, Liliia, Yuliia Diatlova, Valentyna Diatlova, Julia Derkach, Anastasiia Goncharenko i Mykola Zos-Kior. "Digital banking in the marketing mix and human resource management: improving the approach to the assessment as an innovative component". LAPLAGE EM REVISTA 7, nr 3A (3.09.2021): 111–19. http://dx.doi.org/10.24115/s2446-6220202173a1386p.111-119.
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The research evaluates the activity of using digital banking in components of the marketing mix of Ukrainian banks, such as «product», «place», «promotion», and «price». The developed methodological approach is based on the analysis of traditional bank's marketing mix elements and their innovative components, mainly digital banking. It has been established that banks, offering a generally standard set of primary products, introduce product innovations quite unevenly. According to the «place» component of the marketing mix, it has been noted that the pace of traditional marketing replacement by banking innovations marketing is slow. Regarding the «promotion» component of the marketing mix, the distribution of the indicators of the bank's activity in the use of social networks is uneven. Facebook is more used than Instagram, and not all banks use YouTube's capabilities. Banks are market leaders that use social networks and the Internet most actively.
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Lafta, Naseer Sabbar. "Recovery of Damage For Lost Profits In Bank Deposit". Akkad Journal Of Law And Public Policy 1, nr 1 (24.12.2021): 32–43. http://dx.doi.org/10.55202/ajlpp.v1i1.65.
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Iraq's banking system is different in that it includes nationalized banks, private banks, foreign banks, Islamic banks, particular development banks, and cooperative banks. Currently, the size of loan defaults in the banking industry is enormous. However, the popular view is that loans and advances have a higher recovery rate. This article aims to explore the problems governing banking operations in Iraq and summarize the provisions of Iraqi legislation relating to the recovery of bank profit losses. According to the study given in this example, lending practices with Iraqi banking instruments are similar to those of traditional banks with comparable products. Moreover, the study identifies critical strategically weak connections in the banking sector's development, which has impeded the country's overall economic progress. The results indicate that the rewards under this legal system in Iraq include insurance against loss of profits resulting from bank interest. This situation is problematic on the ground, especially for non-fixed or non-fixed deposits. In addition, demonstrating earning potential is not an obstacle for the buyer in this scenario. However, when the bank deposit contract carries interest and the customer does not pay the amount of interest due to the bank's bankruptcy. The bank loses an opportunity to recover only by proving that the customer has breached the contract terms.
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Ábel, István, i Katalin Mérő. "Endogenous money, soft budget constraint and the banking regulation". Acta Oeconomica 73, S1 (3.11.2023): 99–118. http://dx.doi.org/10.1556/032.2023.00036.
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AbstractA key observation of the endogenous money theory is that banks create deposits (money) by lending. This means that banks apparently face soft budget constraint in responding to demand for credit. However, there are several limiting factors, which can make the banks' money creation somewhat constrained, and can thus harden their budget constraint. Such factors include the need to preserve banks' profitability and the bank regulations (the capital and liquidity requirements). Previous literature on soft budget constraint (SBC) in banking mentioned government bailouts, central banks lender-of-last-resort policies, or the poorly informed depositors who over-finance banks, as reasons for the SBC for banks. Taking the endogenous money theory as a starting point, we use a different approach. We analyze whether the tools that aimed to keep the bank's budget constrain hard are appropriate for this purpose. Our analysis, as well as lessons from several recent bank crisis episodes suggest, that under current banking regulation SBC is an inherent feature of banking.
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Faradilla Felysha. "COMPARISON OF THE PERFORMANCE OF SHARIA BANKS AND CONVENTIONAL BANKS". MORFAI JOURNAL 3, nr 2 (24.04.2023): 273–80. http://dx.doi.org/10.54443/morfai.v3i2.859.
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This study aims to find out and analyze the significant differences between the performance of conventional banks and Islamic banks and to find out and analyze which banking performance is better between Islamic and conventional banking. This study uses a qualitative descriptive method using secondary data. From the results of the study there is a significant difference between conventional banking and Islamic banking such as the absence of interest in Islamic banking considering that interest is forbidden in Islamic law as usury. Furthermore, in terms of risk in conventional credit, the customer still has to pay the full loan and interest as previously agreed. Both when the business makes a profit or loss while sharia credit if the contract used is capital sharing,
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Albanna, Hasan. "vulnerability of islamic banking". Global Review of Islamic Economics and Business 5, nr 2 (7.12.2017): 094. http://dx.doi.org/10.14421/grieb.2017.052-03.
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The recent global financial crisis has renewed the focus on the resistance of Islamic banks in order to confront the crisis. While several empirical studies show that Islamic banks have no resist from the crisis. thus, Islamic banks run their business side by side with their counterpart and play the game under the same umbrella and the rules of game. In case of Indonesia, which implement dual banking system, Islamic banks have potential to be effected by the variables of conventional banks. Which mean, this condition led the Islamic banks have the vulnerable spot in economic life. This paper aim to examine the stability of Islamic banks and to discern dynamic behavior of Islamic banks to the macroeconomic variables such as GDP, inflation rate, exchange rate and interest rate. the measure of stability of Islamic banks formulated as z-score. Then, We use VAR/VECM analysis in order to see the dynamic behavior and the vulnerability of Islamic banks. the paper found several findings, first, during the global financial crisis, Islamic banks more stable than the conventional banks, while after the global financial crisis conventional banks tend to be more stable than Islamic banks. Second, From the IRF test display that Islamic banks react sensitively to the shock of interest rate. however, Islamic banks prohibit the practice of interest rate. even though, in practical reason, Islamic bank use interest rate as benchmarking to determine the price. This condition put the Islamic Banks in vulnerable condition. Third, the FEVD test showed that the stability of Islamic banks mostly contribute by its own stability then followed by GDP, interest rate, exchange rate and Inflation. At the seventh period the stability of Islamic banks mostly contribute by its stability then followed by Inflation rate, GDP, exchange rate and interest rate.
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Ikramina, Cyntia, i Puji Sucia Sukmaningrum. "MACROECONOMIC FACTORS ON NON-PERFORMING FINANCING IN INDONESIAN ISLAMIC BANK: ERROR CORRECTION MODEL APPROACH". Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 7, nr 1 (30.06.2021): 34. http://dx.doi.org/10.20473/jebis.v7i1.23647.
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Non-performing Financing (NPF) is a ratio to measure the non-performing finance level in Islamic banks and one indicator of Islamic banking's health. The higher NPF indicates the quality of the bank's financing was terrible. This study aims to determine several macroeconomic factors on the NPF ratio in Islamic commercial banks in Indonesia. This study applies Error Correction Model (ECM) with saturated sample methods. Sources of data from the official websites of the Financial Authority Services (OJK), Bank Indonesia (BI), and Indonesia Statistics Bureau (BPS). The sample used was Islamic commercial banks in all periods starting from January 2014 to February 2020 published in Islamic banking statistics. There are 74 Islamic commercial banks as observations. The results of this study are pretty surprising. In the short term, macroeconomic variables influence the NPF ratio in Islamic banks, while only inflation affects the NPF for a long time. The government needs to be more able to control when giving policies to increase inflation due to the impact of problematic Financing in Islamic banking. If it occurs continuously, the bank will threaten with bankruptcy. For the Islamic banking industry, we hoped that it could be wiser in placing the liquidity owned, especially when it comes to giving the financing, must carefully look at the customer's portfolio. This study provides comprehensive information on the macroeconomic impact on non-performing financing, specifically on Islamic banks in Indonesia.
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Natalia, Clarisa Nesya, i Henny Wirianata. "DETERMINANTS OF BANKS’ PROFITABILITY – EVIDENCE FROM GO PUBLIC BANKS IN INDONESIA". International Journal of Application on Economics and Business 1, nr 4 (28.11.2023): 2770–85. http://dx.doi.org/10.24912/ijaeb.v1i4.2770-2785.
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Bank performance needs to be monitored because of the role of banks as intermediary institutions that collect funds from surplus parties and channel them to deficit parties. This business characteristic makes the banking sector regulated by the government to maintain economic stability and meet the interests of society. Banking performance during 2018-2022 is engaging to study because there is a significant force, namely the COVID-19 pandemic, which impacts economic stability in Indonesia. This research was conducted to obtain empirical evidence of the influence of banking-specific factors and industry-specific factors on banking performance. This research uses quantitative methods by collecting financial reporting data from companies in the banking sub-sector. The banking-specific factors that influence bank performance are capital measured by CAR, liquidity measured by CDR, firm size measured by bank size, asset quality measured by NPL, cash ratio, leverage measured by the DER, management productivity measured by the BPE and the industry-specific factors that influence bank performance, namely GDP, inflation rate and effective tax rate. ROA measures banking performance. Data collection and processing were carried out using IBM SPSS Statistics 25 software. The study's results showed the banking-specific factors that significantly influenced bank performance were CDR, bank size, NPL, DER, and BPE. In contrast, the industry-specific factor was only GDP, which significantly influenced banking performance.
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Worthington, Steve, i Peter Welch. "Banking without the banks". International Journal of Bank Marketing 29, nr 2 (marzec 2011): 190–201. http://dx.doi.org/10.1108/02652321111107657.
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Gulzar, Rosana, Mansor H. Ibrahim i Mohamed Ariff. "Islamic Banks: History, Stability and Lessons from Cooperative Banking". Jurnal Institutions and Economies 13, nr 3 (1.07.2021): 1–26. http://dx.doi.org/10.22452/ijie.vol13no3.1.
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Islamic banking’s profit-maximising fervour, building upon the use of interest-resembling products, has raised concerns about its Shariah authenticity and financial stability. While early Islamic economists envisioned an industry built on values of mutuality and participation, architects of Islamic banking have chosen to replicate interest-based conventional banking for the purpose of fast growth. This study has two objectives. First, to narrate the history of Islamic banking, from the theories postulated to the beginnings of the industry. This builds an understanding of why ‘Islamic’ banking operates as it does currently, which has implications for Shariah compliance and financial stability. It is suggested that the mimicking of conventional banks may cause instability since unlike commercial banks, ‘Islamic’ banks face Shariah constraints. This leads to the second objective, which is to analyse the cooperative banking model, which has been described as the closest theoretical model to Islamic banking. Specifically, this study focuses on the model in Europe which, despite its challenges, has managed to silence critics in the way it contributes to communal welfare and financial stability, especially during credit crunches when commercial banks are known to retreat from markets. This first study of a functioning cooperative banking model, in the context of Islamic banking, may thus offer lessons for Islamic banking reform.
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Stepanenko, Sergii, i Alina Rychyk. "THEORETICAL FUNDAMENTALS OF BANKING CAPITAL FORMATION". Ukrainian Journal of Applied Economics 5, nr 3 (7.09.2020): 92–99. http://dx.doi.org/10.36887/2415-8453-2020-3-9.
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Introduction. Banks are an important component of the country's economy. Thanks to banks there is an accumulation, storage, redistribution of funds between participants of market relations. The efficiency of banks depends on the formation and use of bank capital. Bank capital is of local, regional and national importance – it ensures the profitability of an individual bank, affects the development of the region and the investment attractiveness of the country. The purpose of the research is to develop a theoretical and methodological basis for assessing the bank's capital, taking into account the impact of trends in an unstable economy. Results. The expediency of taking into account the issue of bank capital valuation in the bank's activity is substantiated. The essence of bank capital is determined. The authorized, regulatory and prescribed types of bank capital are described. The structure and functions (protective, ensuring the operational activities of the bank, regulatory) of bank capital are defined. The influence of factors on the amount of bank capital is substantiated. The standards by which the capital adequacy of banks is checked are described. The main approaches to the implementation of the mechanism of banks' equity formation are outlined. Theoretical and methodological approaches to the assessment of bank capital are generalized, the method of calculation is outlined, their conditions of use, shortcomings and information source are highlighted. The connection between the assessment of bank capital and the implementation of the process of its formation is substantiated. The scientific and methodological basis for such an assessment is described. The need to improve the methodological tools for assessing the bank's capital has been proved. Conclusions. The existing organizational and methodological support for the assessment of bank capital does not fully meet current trends and needs some improvement. Objectivity in the assessment of bank capital is an important element in the process of bank capital formation. Adaptation of international experience in the assessment of the bank's capital will contribute to the development of the domestic financial market as a whole. Key words: bank, bank capital, estimation, formation of bank capital, bank equity, principles, methods.
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Makurumidze, Shepard, i Dorcas Rwodzi. "Mobile Banking and Commercial Bank Performance Nexus in Zimbabwe (2011-2021): Impact and Implications". Journal of Sustainable Business and Economics 6, nr 1 (14.02.2023): 1–14. http://dx.doi.org/10.30564/jsbe.v6i1.19.
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The study investigated mobile banking and commercial banks’ performance nexus in Zimbabwe for the period 2011-2021. The investigation employed a pragmatic approach and a descriptive design. Primary data as well as secondary data were used to achieve the study objectives. Questionnaires, interviews and documentary guides were used to collect primary and secondary data respectively. There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience. The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires. Analysis of quantitative data utilised descriptive analysis tools, correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data. SPSS version 26 was used for this purpose. The study implications established that mobile banking and commercial banks’ performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’ performance. The investigation concluded that mobile banking’s success in enhancing commercial banks’ performance hinged on its ability to allow the user to get easier, cheaper and timely access to services. However, the study results showed that the cost of mobile banking services, government policies and intense competition inhibited the uptake of banking services. Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.
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Tsvyrko, Alexander, Natalia Sukhorukova i Tatyana Ivashchenko. "Banking Servicing Infrastructure and its Development Prospects". Economic Environment 13, nr 2 (2024): 88–98. http://dx.doi.org/10.36683/ee242.88-98.
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Modern economic realities are impossible without constant provision of a variety of banking products and services to customers of commercial banks, and it is impossible without constant development of their infrastructure. Creation and development of a digital ecosystem are the key aspects of infrastructure component development of banking services. Developing the infrastructure of banking services in the direction of creating their own digital ecosystems, banks become such a center for their customers, through which they can satisfy all their needs and requests, as well as obtain the information. The banking ecosystem includes a set of interrelated services, which help customers to fully meet their needs on a single integrated platform. In this regard, the issues of development of banking service infrastructure are of paramount importance. The purpose of the research is to study the infrastructure of banking services of commercial banks, analyze the features of banking service models and digital ecosystems for the provision of banking products and services by modern banks. Methods such as comparative analysis, generalization, discussion, and modeling methods were used to investigate the issue. In the article, the authors analyzed the trends in the development of digital economy and banking sector as a whole, which allows identifying five types of organization of digital ecosystem for banks. In addition, the results of the study allowed concluding that based on financial capabilities and the chosen model of strategic development, the bank's management can choose various options for digital technologies that will improve the technological component of banking services, solve various problems of banking, improve operational efficiency and optimize income and expenses. The result of digital ecosystem model implementation for banking services in practice will be an infrastructure combining a wide range of different services based on IT platform, and their providers will be not only banking institutions themselves, but also their subsidiaries and third-party companies.
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Izumi, Ryuichiro, Antonis Kotidis i Paul E. Soto. "Trademarks in Banking". Finance and Economics Discussion Series, nr 2024-044 (czerwiec 2024): 1–43. http://dx.doi.org/10.17016/feds.2024.044.
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One in five banks in the United States share a similar name. This can increase the likelihood of confusion among customers in the event of an idiosyncratic shock to a similarly named bank. We find that banks that share their name with a failed bank experience a half percent drop in transaction deposits relative to banks with similar characteristics but different name. This effect doubles for failures that are covered in media. We rationalize our findings via a model of financial contagion without fundamental linkages. Our model explains that when distinguishing banks is more costly due to similar trademarks, depositors are more likely to confuse their banks' condition resulting in financial contagion.
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Shevtsiv, L. Y., i B. B. Senyshyn. "Ways to Increase the Financial Security of Ukrainian Banks in the Context of Globalization". Business Inform 9, nr 512 (2020): 254–62. http://dx.doi.org/10.32983/2222-4459-2020-9-254-262.
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The purpose of the article is to study the basics of financial security of banking with the identification of threats, their systematization into a single classification to determine ways to increase the financial security of the banking sector. Theoretical bases of financial security of banks are substantiated. The approaches are generalized and the concept of "financial security of the bank" is defined. The main components of the bank's financial security have been formed and the classification of internal and external threats to the banking security system has been carried out. Measures have been identified to prevent external and internal threats to Ukraine's banking sector, which should be developed with minimal resources and time to achieve the desired result. The banking sector of Ukraine (operating banks) for the period 2016–2020 is analyzed, which indicates a tendency to decrease (by 42), and the number of banks with 100% foreign capital increased by 6. To properly assess the level of financial security of Ukrainian banks, the main performance indicators for the period 2016–2020 were studied and it was established that: the banks' assets increased by 18.5% to UAH 1,532,671 million; customer lending decreased from 80% to 68%; return on assets increased by 6.04% and in 2020 amounted to 5.23%, improving the efficiency of banks in 2020 by 1.52. The dynamics of the regulatory capital adequacy ratio, the dynamics of credit risk ratios of banks and the dynamics of financial results of the banking sector of Ukraine are analyzed. Measures to increase the level of financial security of banks, based on the unification of the core indicators of banking and their methodology of calculation according to international standards, which will strengthen legal protection of creditors, maintain low inflation and a stable exchange rate, create a favorable investment climate.
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Butzbach, Olivier, i Kurt E. von Mettenheim. "Alternative Banking and Theory". Accounting, Economics and Law - A Convivium 5, nr 2 (1.07.2015): 105–71. http://dx.doi.org/10.1515/ael-2013-0055.
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AbstractUnlike business models of private banks based on profit maximization and shareholder-oriented governance, alternative banks (such as cooperative banks, government savings banks, and special purpose banks) share business models based on sustainable returns with longer time horizons, corporate missions that include social and public policy goals, and stakeholder-oriented governance. Strong evidence from recent research suggests that alternative banks often equal or outperform joint-stock banks in terms of efficiency, profitability, and risk management. This counters core ideas in contemporary banking theory and expectations of regulators about the superiority of private ownership and market-based banking. Concepts and theories from banking studies help explain how alternative banks outperform private banks in core functions such as creating and managing liquidity, pooling deposits, and reducing information asymmetries and agency costs. However, heterodox theories of the firm and institutional approaches to competitive advantage broaden the scope of analysis to explain further historical, social, and organizational advantages (and risks) in alternative banking. Alternative banks therefore require, and may inspire, alternative theories of banking and new approaches to bank regulation.
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CANBAZ, Mustafa, i Emre ÇEVİK. "INTEREST-FREE BANKING'S AND CONVENTIONAL BANKING'S ATTITUDES AGAINST FINANCIAL CRISES: THE CASE OF TURKEY". Business & Management Studies: An International Journal 3, nr 1 (31.07.2015): 88–122. http://dx.doi.org/10.15295/bmij.v3i2.102.
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Following the financial crisis in 2001, Turkish banking sector started a ‘restructuring’ process. This led to recovery of the damage caused by the crisis and, despite the significant decrease in number of the banks, the banking sector gained quite a sound structure. This imrpovement allowed it to remain strong against the global financial crisis that took place after 2007 and caused important progress for many financial indicators, in particular the deposits and loans. Interest- free banking, which has been operating in form of participation bank through the profit and loss sharing system since 2005, become a competitor, in a different aspect, to deposit banks, an important part of the conventional banking. This study compares attitudes of the Participation Banks and the Deposit Banks against their customers before and after the crisis, in light of the financial indicators from the financial statements. The analysis concludes that Particpiation Banksa re significantly different from Deposit Bank in aspect of 'acticity ratios', which are based on the main areas of activity.
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SHESHUKOVA, Tat'yana G., i Kseniya Yu KOTOVA. "Budgeting in banking: Approaches and solutions". International Accounting 25, nr 5 (16.05.2022): 536–60. http://dx.doi.org/10.24891/ia.25.5.536.
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Subject. This article deals with the theoretical and applied issues of organizing the budgeting system at banks in the digital economy. Objectives. The article aims to clarify the methodology and structure of budgeting at banks on the basis of a comprehensive approach under the digital environment conditions. Methods. For the study, we used analysis and synthesis, comparison, observation, evaluation, generalization, description, systematization, and summarizing. Results. The article clarifies the concept of budgeting in banking activities and emphasizes its belonging to strategic management accounting and information and analytical support of the bank's activities. Based on a comprehensive approach to the development of a budgeting system at banks, the article proposes a master budget structure for the bank, which expands the modern scientific understanding of budgeting and helps improve the quality of management. Conclusions and Relevance. A comprehensive approach to the organization of the budgeting system helps plan the income, expenses and results of the bank's activities in the areas of banking, responsibility centers, and taking into account innovative development plans. The results of the study can be useful to the management of banks in financial result planning, searching for reserves for improving the efficiency of activities, studying the prospects and potential for introducing certain types of innovation, stakeholders when exploring the possibility of cooperation. The materials of the article can be used in scientific research on economics and in the educational processes of universities of the Russian Federation.
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Utama, Andrew Shandy. "Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia". Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial 6, nr 2 (5.12.2021): 113. http://dx.doi.org/10.22373/justisia.v6i2.11532.
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Technological developments make the world borderless. The development of information and communication technology has touched the banking sector. Based on the operational system, the types of banks can be divided into conventional banks and Islamic banks. This study aims to explain the digitalization of conventional bank products and Islamic banks in Indonesia. The method used in this research is normative legal research. The development of information and communication technology has touched the banking sector. As one of the efforts to increase bank capability, more optimal utilization of information technology development is a prerequisite in supporting bank service innovation. Therefore, digital banking is a very potential business opportunity and an inevitable necessity in the banking sector in the digital era. In addition to increasing the efficiency of bank operational activities, digital banking can improve the service quality of conventional banks and Islamic banks to customers in transactions. The Financial Services Authority of the Republic of Indonesia then issued Financial Services Authority Regulation Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. There are forms of e-Banking services that can be used at conventional banks and Islamic banks, namely ATM (Automated Teller Machine), EDC (Electronic Data Capture), internet banking, SMS banking, mobile banking, e-Commerce, phone banking, and video. banking
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Sishadiyati i Chantya Anggi Kirana. "HUBUNGAN MAKROEKONOMI TERHADAP KINERJA KEUANGAN PADA BANK KONVENSIONAL DAN BANK SYARIAH DI JAWA TIMUR". Jurnal Dinamika Ekonomi Pembangunan 3, nr 2 (30.07.2020): 322–27. http://dx.doi.org/10.33005/jdep.v3i2.111.
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Macroeconomic factors can be said to have a relationship with the financial performance of banks, both conventional banks and Islamic banks. The condition of the banking sector in East Java is very vulnerable to economic shocks that occur. So it requires a very independent and good liquidity management. The existing banking sector is still very dependent on the policies made by the central bank and the government. Then if there is a financial difficulty caused by unfavorable macroeconomic conditions, then the bank's financial performance may also be disrupted. Based on the analysis of data that has been explained that macroeconomic factors such as GRDP, inflation rate, unemployment rate, BI Rate and exchange rate, which have a very large relationship to the performance of conventional banks and Islamic banks in East Java is the BI rate. This shows that the banking sector in East Java must pay special attention to the dynamics of macroeconomic factors that occur. Whereas the financial performance between Islamic banks and conventional banks shows a difference. This is because the management of bank financial performance between Islamic banks and conventional banks has a different policy.
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Witjaksono, Armanto, i Anis Yunistriani. "Analisis Komparatif Kinerja Keuangan antara Bank Syariah dan Bank Konvensional Berdasarkan Metode Camel". Binus Business Review 2, nr 1 (30.05.2011): 485. http://dx.doi.org/10.21512/bbr.v2i1.1155.
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The main objective of this paper is to give an overview of comparative financial performance of Islamic banks with conventional banks based on the CAMEL method. The main question would be answered to know there is difference in the performance of conventional banking and Islamic banking are analyzed by using the ratio CAMEL. To prove the hypothesis that there is no significant difference between the bank's financial performance Islamic and conventional banks (Ho) or there are significant differences between the financial performance of Islamic banks and conventional banks (Hi). Researchers used a parametric statistical technique, which consists of test data normality using the Kolmogorov Smirnov test and QQ plots, test of homogeneity using the F test (Levene's Test), and Independent Sample T-Test with significant value 5% confidence level (1 - α) = 95%. The results showed that the ratio of data CAMEL Islamic banks and conventional banks in normal distribution and homogeneous. Then it can be concluded that the variable CAR, NPL, and LDR between conventional banks and Islamic banks have significant differences, while the ROA and ROE of the two types of banking industry is not significantly different or relatively the same.
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Hidir, Nashrullah, Muslimin Kara i Ayu Ruqayyah Yunus. "Analisis Pemahaman Masyarakat Terhadap Bank Syariah Indonesia (BSI) Setelah Merger". El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, nr 4 (25.12.2022): 1045–54. http://dx.doi.org/10.47467/elmal.v4i4.2284.
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Many factors prevent Muslims from accessing Islamic banking or banking that adheres to Qur'anic principles including a lack of university research, support from Islamic organizations and public knowledge of the practice. One of these factors is the fact that most people are not aware of Islamic banking, which prevents them from seeking out this financial institution. Moreover, most people have no knowledge of sharia law also known as Islamic finance although it is practiced by many banks around the world. This study explores public opinion about the existence of Islamic banks in Indonesia and their investment choices. It also investigates future investment prospects and Islamic banking products. This study uses qualitative data analysis methods derived through inductive and deductive methods. Furthermore, participants were found to have substantial knowledge about Islamic banks in Makassar. People are attracted to Islamic banks because they are implemented according to sharia principles. Many respondents stated that one of the reasons they like Islamic banking is because it is safer and more secure. Other reasons include avoiding usury and feeling proud to be a Muslim which some consider an advantage from an Islamic perspective.
Keywords: Sharia, Sharia Bankin, Understanding
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Nduta, Rosemary Wangari, i Jane Wanjira. "E-Banking Strategy and Performance of Commercial Banks in Kenya". International Journal of Current Aspects 3, nr V (24.10.2019): 147–65. http://dx.doi.org/10.35942/ijcab.v3iv.68.
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Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercial banks’ performance in Kenya. The objectives of this study were to predict the impact of agency banking, mobile banking, the use of ATMs, and internet banking on the commercial banks’ financial performance in Kenya. Agency theory, contingency theory, diffusion of innovations theory, and technology acceptance theory formed the theoretical basis of this study. In its research design, the study used the descriptive approach. The target population comprised managers of 40 commercial banks and the study utilized the purposive sampling method to select 100 respondents comprising of 40 senior managers and 60 operations managers. Descriptive statistics, correlation, and regression analysis were used to analyze data. Correlation analysis indicated that mobile banking (r = 806, p = 0.000), agency banking (r = 0.737, p = 0.000), internet banking (r = 0.466, p = 0.000), and ATM banking (r = 0.547, p = 0.000) have statistically significant relationships with the commercial banks’ performance. Findings indicate that e-banking accounts for 71% (R2 = 0.710) of the variation in the commercial banks’ performance. Moreover, the study found out that e-banking strategies of agency banking and mobile banking are statistically significant predictors (p<0.01, while internet banking and ATM banking are statistically insignificant predictors (p>0.01). Based on these findings, the study concludes that rely on e-banking strategies in enhancing their performance, particularly mobile banking and agency banking. Furthermore, the study concludes that ATM banking and internet banking contribute minimally to the commercial banks’ performance in Kenya. Thus, the study recommends banks to optimize mobile banking and agency banking because they are statistically significant predictors while increasing awareness of internet banking and addressing insecurity issues of ATM banking. Thus, further research should consider establishing factors that account for the unexplained variances of 29% in the performance of commercial banks.
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Al-Badri, Sundus Hamid Musa, i Haidar Jerry Mohsen Al-Fraiji. "The Role of Banking Secrecy in Improving Banking Performance". Al-Ghary Journal of Economic and Administrative Sciences 17, nr 4 (29.10.2023): 323–40. http://dx.doi.org/10.36325/ghjec.v17i4.13805.
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The purpose of this study is to seek to identify the role of banking secrecy in improving banking performance, and to propose new mechanisms aimed at overcoming obstacles that stand in the way of developing banking performance and working to improve the performance of banks under study.
The research included quantitative analysis of data related to six commercial banks in the South of Iraq. The study sample included a group of 50 employees in these banks. The analysis is based on a solid base that sought to uncover the practices of these Banks in how to improve their banking process. The study sought to test several hypotheses related to the influencing relationships between the study variables represented in banking secrecy and banking performance. The data were processed through statistical methods using the statistical program (SPSS).
The results of the statistical analysis of the data collected through the questionnaire tool prepared for this purpose showed that the necessity of applying the secrecy to achieve the goals of the banks under study.
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Sirakova-Yordanova, Gergana. "Banks Go Beyond Banking: The Expansion Towards Non-Banking Services". Proceedings of the International Conference on Business Excellence 18, nr 1 (1.06.2024): 391–404. http://dx.doi.org/10.2478/picbe-2024-0034.
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Abstract Banks are traditionally seen as providers of financial services such as deposit-taking, lending, and payment services. In recent years, banks expand their range of services to include non-banking services far beyond that to encompass an ever-widening scope of conveniences for the customer. Certain banks are gradually going beyond traditional banking engaging in services related to everyday lifestyle activities, mobility, entertainment, dining, and e-commerce, stepping on the opportunities provided by the digitalization and in collaboration with third parties. The observed trend is driven by banks’ ambitions to attract and engage customers in a comprehensive way and to create stickiness to their digital platforms. This strategy is an answer to the raising competition from fintech companies, which disrupt the traditional way of doing banking incorporating a holistic approach towards the customer needs. This article gives an overview of selected examples of banks which have gone “beyond banking” and underlines this competitive strategy as one of the factors for their market performance. Those examples are used to define a high-level benchmark framework and to prove the main research hypothesis that the provision of non-traditional banking services by banks and their participation in ecosystem partnerships represents an effective business development strategy to remain competitive and to attract and retain customers. The article reviews the current state of deployment of the “going beyond banking” strategy by traditional banks on the Bulgarian banking market and demonstrates clearly that the biggest banks on the market are those with the highest level of GBB deployment strategy.
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Niu, Jiahao, Lehan Ren i Chaofan Hu. "The Research on the Impact of Shadow Banking on Small and Medium-sized Enterprises in China". Advances in Economics, Management and Political Sciences 82, nr 1 (21.05.2024): 142–49. http://dx.doi.org/10.54254/2754-1169/82/20230975.
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Because of the serious financial repression in China's financial system, the traditional commercial bank's credit is very large. It is difficult to reach small and medium-sized enterprises and industries restricted by credit policies. In order to solve this existing problem, those Independent of traditional commercial banks, not subject to or less supervision by the central bank, and capable of providing credit Institutions have emerged, traditionally known as shadow banks. Shadow banks have been quantitative easing money It played an important role in the implementation of the policy. This paper will explain China's shadow banking system from the introduction of shadow banking, the development of shadow banking in China and some of its impacts, as well as the introduction and analysis of special cases of shadow banking and the impact of shadow banking on small and medium-sized enterprises. This paper draws the following conclusions through research: With the growing development of shadow banking in China, China's shadow banking system is becoming increasingly complex, and small and medium-sized enterprises have gained more development opportunities due to the characteristics of high risk and high returns brought by shadow banking.
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Татар, М. С., Ю. А. Нужнова i К. М. Рябус. "ВПЛИВ ІНОЗЕМНОГО КАПІТАЛУ НА БАНКІВСЬКУ СИСТЕМУ УКРАЇНИ В УМОВАХ ГЛОБАЛІЗАЦІЇ". TIME DESCRIPTION OF ECONOMIC REFORMS, nr 3 (18.10.2019): 66–75. http://dx.doi.org/10.32620/cher.2019.3.08.
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Formulation of the problem. In the last five years the number of insolvent banking institutions was reduced, however, the percentage of banks with foreign capital in the total number of banks was increased, which may affect the banking system stability and require a research of the positive and negative effects of foreign banks on Ukraine banking system. The aim of the research is analizing trends of the foreign capital presence in Ukraine banking sector and determination its positive and negative impact on Ukraine banking system. The subject of the research is the activity of foreign banks in Ukraine. The methods of the research: logical and meaningful method, method of comparison, methods of induction and deduction, etc. The hypothesis of the research. Existence of significant influence of foreign capital on Ukraine banking system. The statement of basic materials. The main tendencies of development of Ukrainian banks and place in ratings of state-owned banks and banks of foreign banking groups are analyzed. It has been found that according to different ratings, banks of foreign banking groups occupy the first leading five positions in the rating, while banks with state-owned shares occupy mostly middle positions. The positive and negative influence of the presence of foreign banks in the territory of Ukraine on the banking system of Ukraine is analyzed. The originality and practical significance of the research is determination the positive and negative impact of foreign capital banks on Ukraine banking system. Conclusions and perspectives of further research. Positive and negative influence of presence of foreign capital banks on the Ukraine banking system is analyzed, which is the basis for further research, in which it is planned to quantify the power of influence of individual banks with foreign capital on Ukraine banking system development, to determine the effectiveness of attracting foreign banking capital in Ukraine, to form a mechanism for admission of banks with foreign capital to the domestic banking services market.
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Indrayani i Lilik Purwanti. "NON HALAL INCOME: CRITICAL OF ACCOUNTING TREATMENT, SOURCE AND UTILIZATION AT BANK ACEH SYARIAH". International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) 3, nr 3 (5.06.2023): 863–72. http://dx.doi.org/10.54443/ijebas.v3i3.870.
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The purpose of this study is to examine the sources of non-halal income and its usage in Aceh Sharia banking, as well as to critique the use of non-halal income sources. This research employs a qualitative method with a critical approach to the consistency of Sharia banking compliance with Islamic principles. The results show that Aceh Sharia Bank's use, measurement, presentation, and disclosure of financial information are in line with PSAK 101. Aceh Sharia Bank obtains non-halal income from placing funds in non-sharia banks and earning interest income that is used to fund social activities. This creates a paradox for sharia banks that encourage people to migrate to sharia banking, while their funds are mostly placed in non-sharia banks and used for public purposes that enhance the positive image of sharia banking.
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Rosyadi, Imron. "KOMPARASI EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA". Riset Akuntansi dan Keuangan Indonesia 2, nr 1 (14.04.2017): 61–74. http://dx.doi.org/10.23917/reaksi.v2i1.3683.
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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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Alandejani, Maha. "An Overview of Efficiency and Profitability in Islamic Banking: A Comparative Study between Islamic Banking and Conventional Banking". Social & Management Research Journal 19, nr 1 (28.02.2022): 209–34. http://dx.doi.org/10.24191/smrj.v19i1.17675.
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Islamic banks are similar to conventional banks, but differ in some practices, financial contracts, and transactions. The functions and transactions of Islamic Banking and Finance (IBF) are based on Sharia principles, which involve risk sharing. Therefore, there is a significant difference in the applications of lending and investment between Islamic and conventional banks. This review paper aims to map IBF- measurement that related to efficiency and profitability issues, by presenting briefly the nature of IBF, including the prohibition of interest and gambling, with the definition of IBF instruments. It reviews the most valuable existing empirical literature that investigated the efficiency and profitability of Islamic banking, which shows that the business model and techniques for measuring performance in Islamic banking does not differ significantly from that of conventional banking. This paper also discusses the critical terms in the financial methods that are used in IBF studies. It is found that the objectives of profit maximisation and cost minimisation are not vital for IBF and the performance of Islamic banks should be evaluated with indication of the level of promoting socio-economic development. Our finding concludes that, the social objectives of Islamic banks can be achieved after adapting new structures, not only for Islamic banks, but also for central banks, and banking regulations
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Kumar Basu, Udayan. "Banking in India". Foreign Trade Review 40, nr 2 (lipiec 2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.
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Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, under one roof, all kinds of financial services including project financing and leasing. Besides, banks are allowed to go in for investment in securities also. However, the guidelines for direct lending have not been touched so far. Consequently, there are restrictions on the ways in which banks in India can deploy their available resources. In this article, an analysis has been carried out to show how such structural restrictions translate into what is often termed as interest rate rigidities for banks. How the loan losses impact on their interest spread as well as the urgent need to improve the framework for recovery of banks' NPAs has also been gone into. Moreover, the scope for moral hazards in banks, which are limited liability entities, has been explored and need for efficient risk management as well as effective risk-based supervision for ensuring their sustained viability has been analyzed and commented upon. A cut-off risk for bankable projects has also been worked out. The findings are interesting because the analysis takes into account the real life constraints faced by the banking sector and the results reflect the realities of this sector.
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Nisha, Nabila, Mehree Iqbal i Afrin Rifat. "Green Banking Adoption". International Journal of Technology and Human Interaction 16, nr 2 (kwiecień 2020): 69–89. http://dx.doi.org/10.4018/ijthi.2020040106.
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Today, commercial banks of the most environmentally affected countries invest voluntarily in social and environmental activities that targets socially-responsive business in the form of green banking. However, state-owned banks often encounter challenges in doing so since they operate in centralized manner and often lack in resources, government support and client base compared to commercial banks. Moreover, green banking initiates major changes in working environment and alters the provision of banking services for bankers in developing countries like Bangladesh. Given such challenges, it is important to examine the attitude of bankers working in state-owned banks towards the adoption of green banking. Findings claim that central bank regulations, followed by facilitating conditions and environmental concerns, are some of the factors that influence bankers' overall perceptions. Results indicate that bankers are fairly pragmatic in developing general attitudes towards the use of green banking as part of their work activities in all state-owned banks.
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Tran, Phuong Thanh Thi, Thi Thuy Hang Le i Nga Hang Thi Phan. "Digital Transformation of the Banking Industry in Developing Countries". International Journal of Professional Business Review 8, nr 5 (31.05.2023): e01503. http://dx.doi.org/10.26668/businessreview/2023.v8i5.1503.
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Purpose: The study's objective is to test the impact of digital transactions on banking performance. Based on the previous research and the actual situations, it has been recognized that the critical role of digital banking is in developing the banking industry, especially in developing countries. Theoretical framework: In the next section, the study presents background information to promote the research. The digital transformation has changed how customers use financial services. This has pushed banks to adapt more quickly to the wave of digital transformation if they don't want to lose their valuable customer base. Design/methodology/approach: the methodology applied uses POOL, FEM, REM, and FGLS models to examine the impact of banking transactions made by digital technology on the bank's deposit and lending revenue. This article studies banking operations on digital platforms from 2012 to 2019 in developing countries. Findings: The article's findings showed that digital banks' flexible products and services bring many benefits with a high level of interaction, such as supporting the relationship between customers and banks and improving operating revenue. Research, Practical & Social implications: Practical implications enhanced the development potential of digital banking is relatively large, stemming from the market demand development orientation of the banking industry. Originality/value: The paper's originality and value help banks invest in digital technology as the way forward to better serve their customers.
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Sudarsono, Heri, Muamar Nur Kholid, Aidha Trisanty, Jannahar Saddam Ash Shidiqie i Priyonggo Suseno. "Examining the adoption of mobile banking: Empirical evidence from Indonesian Muslim students". Banks and Bank Systems 17, nr 2 (27.06.2022): 138–49. http://dx.doi.org/10.21511/bbs.17(2).2022.12.
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The shifting trend toward m-banking services has caused competition, as multiple banks compete to convince customers to adopt m-banking services, and so must deliver excellent services. As a result, banks must prioritize meeting client expectations and providing high-quality services to compete. This study aims to examine the factors influencing Muslim students’ intentions to use mobile banking (m-banking) in Islamic banks (IB), conventional banks (CB), and conventional Islamic banks in Indonesia (ICB). The study sample consisted of 315 Muslim students who use m-banking in Islamic banks, 369 Muslim students who use conventional banks, and 207 Muslim students who use conventional Islamic banks. The partial least square (PLS) method was used to evaluate the unified theory of acceptance and the use of technology (UTAUT) on Muslim students’ intention in using m-banking. Based on the value of the coefficient of determinant (R2), the UTAUT model in this study is classified as a moderate model. This study reveals that facilitating conditions (FC), habit (HA) and performance expectancy (PE) affect Muslim students’ intentions to use m-banking at Islamic and conventional banks. Meanwhile, the intentions of Muslim students who use m-banking in conventional Islamic banks is influenced by effort expectancy (EE), FC, HA and PE. Surprisingly, social influence (SI) has no effect on Muslim students’ intentions to use mobile banking at Islamic, conventional, and Islamic conventional banks.
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Mohd Suki, Norazah, Atrianedi i Norbayah Mohd Suki. "SYARIAH BANKING: CONSUMERS’ EXPECTATION AND PERCEPTION TOWARDS SMS BANKING". Labuan e-Journal of Muamalat and Society (LJMS) 3 (30.06.2009): 41–48. http://dx.doi.org/10.51200/ljms.vi.2982.
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The Syariah Bank system is currently facing strong competition not only from other Islamic Banks but also from well-established conventional banks that offer Islamic products and services via Short Message Service (SMS) banking technology. It is a technology-enabled service permitting banks to operate selected banking services over the customers' mobile phone using SMS messaging. This study aims to examine Syariah Banking consumers’ expectationand perception towards SMS Banking in Bintan Island Indonesia. A total of 111 respondents provided complete responses with 95.5% of them familiar with both Islamic and commercial bank transactions and also understand that SMS facilities can be used for banking transaction (65.8%). A small group of them has used their mobile phone for SMS Banking. These findings can be a signal and reference for financial institutions, Syariah Banks in particular, to understand and focus their marketing strategies on these aspects.
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Njiru, Francis, i Dominic Ngaba. "Branchless Banking and Financial Performance of Commercial Banks in Kenya". International Journal of Current Aspects in Finance, Banking and Accounting 6, nr 1 (10.04.2024): 35–45. http://dx.doi.org/10.35942/nqjehx93.
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Commercial banks remain the principal constituents within the financial sector. Their performance is important since it serves other sectors, for example fishing, agriculture, manufacturing, energy and petroleum, mining, hospitality as well as tourism within the economy. Commercial banks’ performance shows a direct effect towards the overall economy and hence there is need for stability in their performance. The current study targets to evaluate how branchless banking impacts financial health of banks. The study aims to establish how banking via mobile phones affects Kenyan banks' performance, how ATM banking affects Kenyan banks' performance financially, how financial deepening affects Kenyan banks' performance financially due to branchless banking, and how regulations affect Kenyan banks' performance financially due to branchless banking. The study was in accordance with agency theory, financial deepening theory, and innovation diffusion theory. The study employed a correlation design and collected secondary data on commercial banks from 2012 to 2020. Causal research design was utilized, and all 39 commercial banks were included in the study. Regression analysis for data spanning eight years (2012-2020) was used. The study findings indicated that branchless banking has a significant impact on the financial performance of commercial banks in Kenya, with financial deepening playing a significant mediating role. Furthermore, bank regulations had a significant moderating effect on the relationship between branchless banking and commercial bank financial performance. The study recommends that commercial banks adopt branchless banking through mobile and ATM banking, increase customer usage of mobile banking, expand ATM banking services, and enhance financial deepening.
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Sumra, Sana Haider, Mohammad Khurram Manzoor, Hassan H. Sumra i Momina Abbas. "The Impact of E-Banking on the Profitability of Banks: A Study of Pakistani Banks". Journal of Public Administration and Governance 1, nr 1 (2.06.2011): 31. http://dx.doi.org/10.5296/jpag.v1i1.692.
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The proliferation and penetration of internet has opened new horizons and scenarios for the retail banking industry. The retail banks are now providing their products and services through the electronic medium; e-banking. E-banking is considered to have a substantial impact on banks’ performance. The aim of this paper is to examine the impact of e-banking on the profitability of Pakistani banks, in particular. This paper covers twelve banks across Pakistan. The study is qualitative in nature which examines different objectives which determine the performance of banks mainly in terms of profitability. It also discusses the effect of customers’ literacy on provision of services from banks’ perspective. It also discusses the basic motive of banks to adopt e-banking services. The study is done through taking interviews from the managers of these banks.The results show that e-banking has increased the profitability of banks, it has enabled the banks to meet their costs and earn profits even in the short span of time. The illiteracy of customers is not regarded as a major impediment in provision of their products and services. For banks, the main motive to adopt e-banking is to increase their clientage and to retain their customers. The profitability of banks has augmented in transitioning to e-banking medium.
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Pambuko, Zulfikar Bagus, Nur Ichsan i MB Hendrie Anto. "Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia". IQTISHADIA 11, nr 2 (27.09.2018): 371. http://dx.doi.org/10.21043/iqtishadia.v11i2.3346.
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<p><em>The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. </em><em>The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is </em><em>more stable and safe way of financing</em><em> than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. </em><em>Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.</em></p>
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Sulistyandari i Putri Ayu Sutrisno. "Legal Aspects and Role of Ojk In Bank Digital by Digital Banking Services During Post-Covid 19 Pandemic in Indonesia". Journal of Law and Sustainable Development 11, nr 12 (5.12.2023): e2364. http://dx.doi.org/10.55908/sdgs.v11i12.2364.
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Objective: The purpose of this research is to analyze the implementation of bank digital by digital financial services that are able to maintain bank secrecy and personal data security; and to analyze the application of prudent banking principles in the implementation of bank digital by digital services in Indonesia; and it also aim to analyze the role of the OJK in regulating and supervising Bank Digital by digital services post Covid 19 pandemic.
Research Method: The method in this research is normative juridical research with a statutory approach and a conceptual approach, using secondary data in the form of: a) Primary legal materials include Law No. 10 of 1998 concerning Banking, Law No.21 of 2011 concerning the Financial Services Authority, Law No.27 of 2022 concerning Personal Data, Civil Code, OJK Regulation No.12/POJK.03/2021 concerning Commercial Banks; b) Secondary legal materials include literature, scientific articles. Analysis of qualitative normative data, namely by interpreting data based on legal theory, legal principles and legal norms.
Results: Article 1 number 3 and 16 of the Banking Law and OJK Regulation No.12/POJK.03/2021 concerning Commercial Banks that every party carrying out activities to collect funds from the public in the form of deposits must obtain a business license as a Bank from the OJK. Indonesian Legal Entity Banks (BHI) can operate as Digital Banks and provide digital services. Article 40 of the Banking Law requires banks to maintain bank secrecy. Article 65 of the Personal Data Law prohibits legal subjects use personal data without the permission of the data owner. Article 2 of the Banking Law requires banks to carry out their business activities based on the prudent principle. Banks are required to apply “knowing your customer” principle in providing credit to customers or collecting funds from customers (Article 8 of the Banking Law). Article 7 of the OJK Law states that the OJK has the authority and duties to regulate and supervise banks.
Conclusion: the implementation of a digital bank with digital services is able to maintain the security of bank secrecy and personal data, because it is implemented based on the Banking Law and the Personal Data Law. Implementation of the Bank's prudential principles in digital banks with digital services by applying the principle of getting to know the bank's customers. The OJK's role in regulating and supervising digital banks in digital services needs to be increased so as to provide legal certainty in their implementation.
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Nugroho, Muh Rudi, i Ibnu Qizam. "Financial System Stability in Indonesia during The Global Financial Crisis 2007/2008: Conventional vis-à-vis Islamic". Global Review of Islamic Economics and Business 2, nr 2 (7.09.2015): 136. http://dx.doi.org/10.14421/grieb.2014.022-05.
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This research aims to analyze the financial stability especially in dual banking system in Indonesia and discusses the role of Islamic banks in the financial stability of national banks. In addition, this study also focuses on the analysis of the determinants of financial stability namely on the national banking Industry. This research uses panel data in which combined data between time series and cross section with an observation periods are 2005:1 - 2009:1 by using an internal variable of banks and macroeconomic data. Z-score analysis will be used as main tool analysis regressed with internal variable. Empirical results obtained from this research shows that during the period of 2005:1 - 2009:1 banking financial stability, for both conventional and Islamic and categorized based on an asset scale, the movement of the Z-score value is different. From the Z-score values analysis shows that Islamic banks are the most stable bank with a trend increased sharply when compared with other banks, namely conventional couterparts. If viewed from each category, small conventional banks more stable than small Islamic banks, and there are declining trend in 2005:1 to 2009:1. Whereas for large and middle conventional banks the trend of the Z-score movement are in the same patterns. This study also founds that the determinant of the banking stability can be seen from two sides namely bank's internal factors and macroeconomic factors. Internal factors consist of: Income Diversity (ID), Credit or Financing (Loan), Total Assets (TA), Operational Cost (Cost), Cost Income (CI), Loan Asset (LA), Current Liability (CL), Cash to Current Liabilities (CCL), Capital Bank (MDL). While macroeconomic factors consist of: inflation, BI Rate, Exchange Rate, Composite Index (JCI), the Gross Domestic Product (GDP). This research also examined the extent to which the role of Islamic banks and the global financial crisis to the financial stability of national banking. This analysis shows that the global financial crisis and Islamic banks affect significantly to the financial stability of banking industries in Indonesia.