To see the other types of publications on this topic, follow the link: Bank institutions.
Journal articles on the topic 'Bank institutions'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Bank institutions.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
McKee, Gregory J., and Albert Kagan. "Community bank product design within an asymmetric competitive market." International Journal of Bank Marketing 34, no. 5 (2016): 752–72. http://dx.doi.org/10.1108/ijbm-07-2015-0106.
Full textAbstract:
Purpose – The purpose of this paper is to assess product and service arrays of community banks within competitive markets that are impacted by varying sized financial institutions. A cost efficiency model is used to understand the relationship of product offerings and business cycle response upon bank performance. Design/methodology/approach – A cost efficiency model is used to understand the relationship of product offerings and business cycle response upon bank performance. Markets comprised of alternate size and type of financial institutions are compared. Findings – Greater values of X_EFF i when institutions compete are observed in this analysis. Cost efficiency is lowest when community banks are the only institution in the market, and second lowest when credit unions are the only competing institutions. Call report data are analyzed from 1994 to 2013. The number of big banks increases community bank efficiency and efficiency of large banks. Also, the number of community banks does affect big bank cost efficiency. The magnitude of the effect pertaining to the number of community banks upon big bank efficiency is much smaller than that of the number of big banks on community bank efficiency. Originality/value – This study considers cost efficiency and profitability as measures of institution on the performance of a competing institutional type. The modeling approach uses cost efficiency as a method of observing the performance of financial institutions and an explanation of how firms persist, grow, and respond to changes in technology or regulation. The effects of the presence of each type of financial institution on the performance of another type are compared. Situations in which any number of one or more institutional types is present in a market are considered for analysis purposes.
2
Salehi, Mandi, and Ali Mansouri. "BANKING CRISES: EMPIRICAL EVIDENCE OF IRANIAN BANKERS." Indonesian Management and Accounting Research 8, no. 2 (2016): 27–38. http://dx.doi.org/10.25105/imar.v8i2.1282.
Full textAbstract:
"Bank" is a term people use broadly to refer to many different types of financial institutions Banks generally, accept deposits and make loans. Deposits are money people leave in an institution with the understanding that they can get it back at any time or at an agreed-upon future time. A loan is money let out to a borrower to be generally paid back with interest. This action of taking deposits and making loans is called financial intermediation. In the view of the fact, banks like other institutions looking for benefit and income. This survey shows after interfering Iranian government to banking sector the going concern of Iranian banks became sustainable. This condition create some problems to Iranian economic, especially it caused higher level of inflation in Iran.Key Words: Bank crises, Survival, Inflation
3
Sari, Nurshadrina Kartika, Isti Fadah, and Hari Sukarno. "DETERMINAN STRUKTUR MODAL BANK." EKUITAS (Jurnal Ekonomi dan Keuangan) 17, no. 1 (2017): 71. http://dx.doi.org/10.24034/j25485024.y2013.v17.i1.2227.
Full textAbstract:
Banks are financial institutions how have an important part for the economy of a country. The bank’s main purposes are to collected funds from the public and distributed it back to them in credit loans. The biggest of public trusted to the bank, will make the bigger bank’s liabilities to their funds. This research examines determinants of bank capital structure, including profitability, liquidity, business risk, dividend, management ownership, institutional ownership and bank’s age. The samples in this research are 70 banks in Indonesian period 2006 until 2011, where analyzed with multiple linier regression test with dummy variable to know which of the seven variables are the determinans of the bank capital structures that use DER (Debt to Equity Ratio) to measure it. The result of this research find that determinants of bank capital structures is liquidity, institutional ownership and bank’s age, but profitability, business risk, dividend and management ownership are not the determinants of bank capital structures period 2006 until 2011.
4
Lu, Wenling, and Wan-Jiun Paul Chiou. "Subsidiary ownership decisions by bank holding companies." Journal of Financial Economic Policy 12, no. 3 (2019): 425–44. http://dx.doi.org/10.1108/jfep-05-2019-0088.
Full textAbstract:
Purpose This study aims to examine the intertemporal changes in the institutional ownership of publicly traded bank holding companies (BHCs) in the USA. The role of owned-subsidiary investing in the portfolio decisions is investigated as compared to unaffiliated banks and non-bank institutional investors. Design/methodology/approach The authors apply panel regressions that control bank-fixed and time-fixed effects to study the impact of prudence, liquidity, information advantages and historical returns on each type of the institutional ownership from 1986 to 2014. Findings The subsidiary banks tend to invest in more shares of their parent BHCs when they are traded for a short period of time and when they have low-market risk, low turnover, a low capital equity ratio and great reliance on off-balance activities. However, the impact of these determinants of institutional ownership is opposite for unaffiliated banks and non-bank institutions. Research limitations/implications This study provides evidence that the criteria used by subsidiary banks to invest in their parent company stock are different than the unaffiliated banks and non-bank institutions, raising concerns about the owned-subsidiary investing activities and banks’ trustees’ duty to work in the best interest of their trust clients. Originality/value This paper provides a comprehensive analysis of the level and market value of BHC institutional ownership over the past three decades and the impact of different determinants on the ownership of BHCs by subsidiary banks, unaffiliated banks and non-bank institutional investors.
5
Wan Ibrahim, Wan Hakimah, and Abdul Ghafar Ismail. "Conventional bank and Islamic banking as institutions: similarities and differences." Humanomics 31, no. 3 (2015): 272–98. http://dx.doi.org/10.1108/h-09-2013-0056.
Full textAbstract:
Purpose – The aim of this paper is to discuss the similarities and differences of both conventional and Islamic financial institutions from various institutional perspectives. Design/methodology/approach – This conceptual paper describes the insights held by the financial institution theory which is discussed from the perspectives of the economics of the financial institution, legal environment, the political aspect of an institution, the philosophical underpinning, the components of institution and also the ethical role of institution. Then, this paper will proceed to justify the similarities and differences that have been observed between both institutions. Findings – Discussions in this paper will reveal that specifically specific similarity is prevalent on the nature of the supervisory role. The differences between both institutions from the aspects of business organization, economic roles and law of origin have also been found. Research limitations/implications – The similarities and differences that are established on both institutions will affect the structure of the financial contract and the design of financial systems. Originality/value – The paper will contribute a new knowledge specifically on the design of the Islamic financial contract based on Shariah law at the initial phase.
6
Saputri, Apik Anitasari Intan. "Implementation of Financing Compass for Welfare Partner Operational System Grameen Bank in Banyumas Regency." Ijtimā'iyya: Journal of Muslim Society Research 3, no. 1 (2018): 21–36. http://dx.doi.org/10.24090/ijtimaiyya.v3i1.1674.
Full textAbstract:
Indonesia has a variety of microfinance service providers such as Commercial Banks, Rural Banks, Non-Bank Financial Institutions (LKBB), Micro Finance Institutions (MFIs), Savings and Loans Cooperatives (KSP) and other semiformal and informal institutions operating at the local community level. One Non-Bank Financial Institution operating in Indonesia is an institution with a group finance system - commonly referred to as Grameen bank. Its business objectives are to tackle poverty or other problems such as education, health, access to technology, and environmental issues that may threaten people and society. The research method used is field research with a sociological juridical approach. With the establishment of a poverty alleviation program involving many women, Grameen banks became one of the integrated institutions in public health programs by establishing sanitation and water programs as a health support product of its partners. This product is called KOMPAK and aims to develop financing products for the development of water quality and sanitation improvement among low-income people. Women Grameen bank actors are not only a target in the development of the business world, they also provide education on improving the quality of life and raise awareness of the importance of water hygiene and sanitation health. The company offers loans to economically active but low-income women especially those living in urban and rural areas.
7
Fotso, Bakam, and E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa." Journal of Economics and Behavioral Studies 9, no. 2(J) (2017): 6–21. http://dx.doi.org/10.22610/jebs.v9i2(j).1646.
Full textAbstract:
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.
8
Fotso, Bakam, and E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa." Journal of Economics and Behavioral Studies 9, no. 2 (2017): 6. http://dx.doi.org/10.22610/jebs.v9i2.1646.
Full textAbstract:
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.
9
Meriyati, Meriyati, and Agus Hermanto. "Sosialisasi Sejarah Bank Perkreditan Rakyat (BPR) Dan Bank Perkreditan Rakyat Syariah (BPRS) Kepada Alumni Pondok Al-Iman Yang Berada Di Palembang." AKM: Aksi Kepada Masyarakat 1, no. 2 (2021): 43–52. http://dx.doi.org/10.36908/akm.v1i2.187.
Full textAbstract:
Rural Banks are bank financial institutions, which accept deposits only in the form of time deposits, savings, and / or other equivalent forms and channel funds as an RB business. The People's Credit Institution originated in the Dutch colonial period in the 19th century, with the formation of the Village Lumbung, Village Bank (BD), Bank Tani (BT), and Bank Dagang Desa (BDD), with the aim of helping farmers, employees and laborers to releasing themselves from the trap of moneylenders (loan sharks) who are said to provide loans with high interest rates. With the issuance of Law no. 7 concerning Banking of 1992 (Law No. 7/1992 concerning Banking) provided a clear legal basis as a type of bank other than commercial banks. According to Law no. 7/1992 concerning Banking Non-bank financial institutions that have obtained a business license from the minister of finance may adjust their business activities as a bank.
10
Amaluis, Dina, and Hayu Yolanda Utami. "CAMEL Ratio: An Approach To Measuring The Health Of Financial Institutions." JURNAL INOVASI PENDIDIKAN EKONOMI 9, no. 1 (2019): 55. http://dx.doi.org/10.24036/011041710.
Full textAbstract:
This research aims at finding out the differences of health level of Financial Institution by using CAMEL. The magnitude of the potential financial institutions make profits in the segment of small and micro finance as a market for rural banks (BPR), especially Islamic rural banks (BPRS).. The level of Bank efficiency could be integrated with the performance of banks which was adopted from Central Bank (BI) criterias, namely CAMEL (Capital, Asset Quality, Management, Earnings and liquidity).
11
Koch, Sven. "Effects of Shareholder Groups on the Factoring Institutions Profitability: Evidence from Germany." International Journal of Economics and Finance 7, no. 11 (2015): 39. http://dx.doi.org/10.5539/ijef.v7n11p39.
Full textAbstract:
<p>The significant role of trade credit in financing large companies and small and medium-sized enterprises leads to high stocks of account receivables within the balance sheets of German firms. As a result the importance of working capital financing is growing and the demand for accounts receivables financing (factoring) increases. The German factoring industry is dominated by banks. In addition to bank-owned financial institutions, many non-bank financial institutions are represented on the market. In a context of a continuing market consolidation, it is of interest whether there are differences in terms of profitability depending on shareholder groups (financial institution, non-financial institution, non holding). The German factoring market is an extremely growing market with further growth potential in an ongoing market consolidation. A further market consolidation is probable because the administrative expenses of small financial institutions and institutions without any holding are high. However, subsidiaries of a financial holding or non-financial holding show significantly lower administrative expenses. The results show that the profitability of the financial institutions is significantly influenced by the shareholders and the size of the institution. Financial institutions of a financial holding (bank-owned) are significantly less profitable than institutions without any holding or institutions of a non-financial holding. A similar picture emerges in the achieved margins of factors.</p>
12
Postolache, Rada. "Bank – Universal Credit Institutions." Procedia - Social and Behavioral Sciences 149 (September 2014): 753–58. http://dx.doi.org/10.1016/j.sbspro.2014.08.305.
Full text
13
Hopt, Klaus J. "Corporate Governance of Banks and Financial Institutions: Economic Theory, Supervisory Practice, Evidence and Policy." European Business Organization Law Review 22, no. 1 (2021): 13–37. http://dx.doi.org/10.1007/s40804-020-00201-z.
Full textAbstract:
AbstractBanks are special, and so is the corporate governance of banks and other financial institutions. Empirical evidence, mostly gathered after the financial crisis, confirms this. Banks practicing good corporate governance in the traditional, shareholder-oriented style fared less well than banks having less shareholder-prone boards and less shareholder influence. The special governance of banks and other financial institutions is firmly embedded in bank supervisory law and regulation. Most recently there has been intense discussion on the purpose of (non-bank) corporations. For banks stakeholder governance and, more particularly, creditor or debtholder governance is more important than shareholder governance. The implications of this for research and reform are still uncertain. A key problem is the composition and qualification of the board. The legislative task is to enhance independent as well as qualified control. The proposal of giving creditors and even supervisors a special seat in the board is not convincing. Other important special issues of bank governance are for example the duties and liabilities of bank directors in particular as far as risk and compliance are concerned, but also the remuneration paid to bank directors and senior managers or key function holders. Claw-back provisions, either imposed by law or introduced by banks themselves, exist already in certain countries and are beneficial. Much depends on enforcement, an understudied topic.
14
Mohammad, Khalil Ullah, and Noor Ul Haya Adnan. "The Impact of Indirect Competition on Bank Net Interest Margins: Microfinance Evidence from Pakistan." iRASD Journal of Economics 4, no. 1 (2022): 55–68. http://dx.doi.org/10.52131/joe.2022.0401.0060.
Full textAbstract:
The study aims to investigate the impact of growth in microfinance initiatives on the net interest margins of commercial banks in Pakistan. Using data from the world bank MIX database and Thomson Reuters, we conducted a GLS random effect estimation on an unbalanced panel of Pakistani banks from 2010 to 2018. We find that credit quality, solvency, bank size, earning asset diversification, and market concentration impact banks' net interest margins. In addition, we find growth in development finance institutions to significantly affects commercial bank margins. Microfinance institutional growth is found to reduce net interest margins. Besides microfinance institutions, the growth of specialised microfinance banks is also found to impact the spread negatively. This indirect effect may be evidence of the improved efficiency derived from higher competition or the fact that microfinance institutions may be using conventional banks as a permanent source of funds to become financially sustainable. The role of microfinance growth is not considered in literature since microfinance institutions are very different from conventional banks regarding lending volume and size. This study contributes to the existing theoretical and empirical literature on net interest margins by showing a positive role of indirect competition on banks' net interest margins. Therefore, policymaking focusing on improving conditions that enhance competition to bring bank spreads closer to regional levels may be needed.
15
Dudchenko, Victoria. "EVOLUTION OF CENTRAL BANKS." Economic Analysis, no. 30(1, Part 1) (2020): 84–89. http://dx.doi.org/10.35774/econa2020.01.01.084.
Full textAbstract:
Introduction. Throughout the centuries there took place a process of central banks’ development that reflected on the area of target defining, establishing the relationship with government, interconnection with financial market participants, inner management processes. This institute’s evolution from the first bank of issue creation till the modern central bank, including the supranational central bank in the European Union, is characterized by complicated tools of the change of policy, practice, institutional structure, aims and status. Nowadays the next stage of central banks’ development occurs and is characterized by expanding the mandate, reforming the policy, developing innovative aims. This stage is outlined with the global financial and economic crisis and the post-crisis period of the world financial system’s recovery. Under these circumstances, the central banks’ role tends to increase in terms of overcoming the consequences on the global financial and economic crisis that prompts actualizing the issues of integration of unconventional measures in the monetary policy tool, coordination of work of central bank and government concerning debt management, cooperation between the central bank and international financial institutions within the framework of debt management, cooperation between the central banks and international financial institutions within the framework of banking management. Purpose. Generalization of stages and systematization of the causes of emergence, formation and development of a central bank institution through the study of their creation’s evolution and functions’ transformation. Method (methodology). In order to investigate the historical processes, logical sequence of central banks’ development both historical and logical methods of scientific researches were applied. Results. The reasons of central banks’ emergence were generalized, the evolution of central banks’ creation was studied, stages of emergence and development of central banks were further developed and systematized. The peculiarities of the modern stage of central banks’ functioning, role’s change and transformation of functions under the influence of global financial and economic crises.
16
Stuenkel, Oliver. "New Development Banks as Horizontal International Bypasses: Towards a Parallel Order?" AJIL Unbound 111 (2017): 236–40. http://dx.doi.org/10.1017/aju.2017.62.
Full textAbstract:
Over the past years, the Chinese government (along with other rising powers) has engaged in unprecedented international institution-building, leading to the establishment of, among others, the Asian Infrastructure Investment Bank (AIIB) and the BRICS-led New Development Bank (NDB). Providing services similar to existing institutions such as the World Bank, these new institutions profoundly alter the landscape of global governance. The existing literature has mostly debated whether such activism shows that China and others are embracing or confronting today's Western-led order. This discussion fails to capture a more complex reality, and the concept of international institutional bypasses (IIB) may help us gain a better understanding of China's complex institutional entrepreneurship. As will be explained, decisions by China and other countries to simultaneously support reform processes in existing institutions and also create new ones suggests that they seek alternative ways to overcome perceived dysfunctions in the dominant institutions by creating IIBs. Considering the initiatives in these terms allows for a more nuanced picture that transcends the simplistic dichotomy of integration versus rupture.
17
Wimelda, Linda, and Sylvia Veronica Siregar. "The effect of financial institution ownership on firm value." Corporate Ownership and Control 14, no. 2 (2017): 114–22. http://dx.doi.org/10.22495/cocv14i2art11.
Full textAbstract:
This research aims to examine the effect of financial institution ownership (bank institution and non-bank institution) on firm value and also whether there is a difference of the effect between financial institution ownership in form of bank institution and non-bank institution on firm value. Total observations are 270 listed firms on Indonesia Stock Exchange in 2012-2014, resulting to 809 observations. The result of this research shows that financial institution ownership in the form of bank institution has no influence on firm value while financial institution ownership in the form of non-bank institution has a positive influence on firm value. This research shows that the influence of financial institution ownership in form of non-bank institution is greater than influence of financial institution ownership in form of bank institution on firm value. Regulator of financial institution could create new rules to encourage investment by non-bank institutions in public companies for effective monitoring and increase firm value. This research reveals the effect on financial institution ownership in form of bank and non-bank institution rather than institutional ownership on firm value in Indonesia that has not been discussed by other researches.
18
Lee, Sook-Jong. "Financial Restructuring in Korea and Japan: Resolution of Non-Performing Loans and Reorganization of Financial Institutions." Journal of East Asian Studies 2, no. 2 (2002): 143–85. http://dx.doi.org/10.1017/s159824080000093x.
Full textAbstract:
South Korea and Japan responded to their financial crisis of the late 1990s by restructuring financial institutions. Also, financial authorities were created to supervise financial institutions and lead financial restructuring. Financial restructuring focused on the resolution of non-performing loans that had been contributing to financial failures and on strengthening their equity capital bases for sound management. Huge amounts of public funds were mobilized to pursue these policy goals. The Korean government took more drastic measures by closing or merging many failing financial institutions. Financial restructuring also facilitated bank concentration in Korea — and Japan — giving births to several mega banks. Both governments of Korea and Japan encouraged bank concentration by allowing the establishment of a financial holding company. The Korean government was more actively involved in merging banks while Japanese bank mergers were taken by business initiatives.Financial restructuring is expected to bring more market oriented business practices among financial institutions and loosen cooperative ties among financial institutions, corporations, and financial bureaucracy in both countries. Close bank-corporation ties through main bank system and corporate networks within a business group are being loosened in Japan particularly since concerned parties have come to seek market rationality over loyalty. On the other hand, the intervention in financial sector and the mediation in bank-corporation relationship by financial bureaucracy are expected to be weakened in the case of Korea. Nevertheless, discretionary power of Korea's financial bureaucracy appears stronger for the time being since it took the helmsman of determining which financial institution is out of market.
19
Zaini, Zulfi Diane. "Analisis Yurisdis Perlindungan Hukum Nasabah Bank terhadap Kerahasiaan Bank di Indonesia." Recital Review 1, no. 1 (2018): 32–49. http://dx.doi.org/10.22437/rr.v1i1.6066.
Full textAbstract:
In order to avoid financial abuse, the customer made a special rule that prohibits banks to provide recorded information to anyone related to finance customers, deposits and its depositors except in certain cases mentioned explicitly in in the Banking Act. Based on such matters, the issues to be studied in this research is how the bank's efforts in maintaining the security of bank secrecy. Based on the research results revealed that public confidence on banking institutions to grow and thrive because in the presence of an element of the institution in the form of bank secrecy. Bank secrecy is everything related to finances and other things from the customer's bank in the ordinary course of banking should not be publicly disclosed to the public. The Banking Act Number 10 of Year 1998 has required the application of bank secrecy for the sake of maintaining public confidence in the banking institutions. But in practice it is still difficult to implement because there is no uniformity in the determination of categories including bank secrecy
20
Al Kharusi, Sami, and Eşref Savaş Başci. "Financial institutions performance evaluation in a unique developing market using TOPSIS approach." Banks and Bank Systems 12, no. 1 (2017): 54–59. http://dx.doi.org/10.21511/bbs.12(1).2017.06.
Full textAbstract:
Using Technique for Order Performance by Similarity to Ideal Solutions (TOPSIS) approach for the data from 2011 to 2015, the authors investigate the financial performance of 16 different financial institutions in Oman that include nine commercial banks, three specialized banks, two investment companies, and two finance companies. They find that the one investment company, Dhofar International Development and Investment Holding Co., was more efficient in 2015 and 2011. Moreover, Oman Housing Bank was more efficient in 2013 and 2014, while Ahli Bank was more efficient in the year 2012. In contrast, Bank Muscat that has the largest total assets was ranked number 16 for the years 2013, 2014 and 2015. As a result of Spearman’s Rho (Rank-Order) Correlation, all ranked results are related to other years. If a bank is at placement in level, it can be affected by year before or year after. But Oman banks’ correlations shows that there are 2 different periods as effecting one year to the other. Keywords: financial institutions performance, TOPSIS, emerging markets, efficiency, decision making criteria. JEL Classification: G21, G23, L25
21
Setyani, Nur Hidayati. "IMPLEMENTASI PRINSIP GOOD CORPORATE GOVERNANCE PADA PERBANKAN SYARI’AH DI INDONESIA." Economica: Jurnal Ekonomi Islam 1, no. 1 (2016): 1. http://dx.doi.org/10.21580/economica.2010.1.1.828.
Full textAbstract:
Bank is financial institution, which functions as financial intermediary from two parties, namely side that excess fund and poor, one of both lends fund. Shari’a principle is ruling the indentured people based on islamic law among banks and parties to keep fund and/or financial business activity according to shari’a. Good corporate governance (GCG) is a way to get bank have the principle of transparency, accountability, responsibility, independency and fairness. GCG’s principles really back up syar’i. Islam also recognizes many muamalah’s principles such as; justice, tawazun, masuliyah (responsibility),good behaviour, shiddiq (honesty), trust, fathanah (smartness), tabligh, hurriyah (freedom), charity, wasathan, ghirah, idarah (management), khalifah, aqidah, ijabiyah, raqabah (monitoring), qira’ah and islah. Implementation of GCG at various institutes carries on business to get profit’s orientation, notably financial institution / shari’a bank, and constitutes a certainty. Even, shari’a financial institutions in particular bank shari’a, ought to become pioneer, since it is brought basically from Islamic principles
22
Hardiyani, Gianisha, Tuti Kurnia, and Sahlan Hasbi. "PREFERENSI LEMBAGA PENDIDIKAN ISLAM DALAM MEMILIH PAYROLL DI BANK SYARIAH." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 4, no. 2 (2018): 141. http://dx.doi.org/10.20473/jebis.v4i2.10693.
Full textAbstract:
This study aims to determine the most dominant factors that affecting the preferences of Islamic educational institutions in choosing payroll in Islamic banks. The research method used a quantitative approach with factor analysis technique. Data collection techniques used questionnaires and interview techniques from 30 Islamic educational institutions in Sukabumi. The results of this study indicate that service, facilities, image, religion, and reference groups are the most dominant factor or the main factor for the preference of Islamic educational institutions in choosing payroll in Islamic banks. While role factor and status, product, promotion, location and knowledge are the supporting factor for preference of Islamic education institution in choosing payroll in syariah bank.
23
Hartwell, Christopher A. "On the impossibility of central bank independence: four decades of time- (and intellectual) inconsistency." Cambridge Journal of Economics 43, no. 1 (2018): 61–84. http://dx.doi.org/10.1093/cje/bex083.
Full textAbstract:
Abstract The intellectual justification for modern central banking, time-inconsistency, celebrated its fortieth anniversary in 2017 alongside the Cambridge Journal of Economics. However, the key progeny of the time-inconsistency literature, central bank independence, has fundamental flaws that have been thus far neglected in mainstream research. In the first instance, the argument for independence relies on a utilitarian rather than institutional analysis, one that neglects the genesis of central banks and their relation to other institutions within a country. Second, central bank independence neglects the complex interdependencies of the global monetary and financial system. Applying an institutional lens to the concept of central bank independence, I conclude that ‘independence’ fails under the reality of globalization as much as it does in a domestic context. With central banks reliant on all manner of political institutions, they are never really independent operationally or in terms of policy.
24
Muizzuddin, Muizzuddin, Eduardus Tandelilin, Mamduh Mahmadah Hanafi, and Bowo Setiyono. "Does Institutional Quality Matter in the Relationship Between Competition and Bank Stability? Evidence from Asia." Journal of Indonesian Economy and Business 36, no. 3 (2021): 283–301. http://dx.doi.org/10.22146/jieb.v36i3.1428.
Full textAbstract:
Introduction/Main Objectives: This study aims to investigate whether competition impacts bank stability. Furthermore, the study also analyzes the role of institutional quality in a country, such as voice and accountability, political stability, government effectiveness, regulatory quality, the rule of law, and control of corruption, forming the effect of competition on bank stability. Background Problem: Analysis of the relationship between competition and bank stability has been at the center of academic and policy debate. However, the theoretical and empirical research has not concluded whether bank competition leads to more or fewer stable banks. Novelty: We consider institutional quality's role in mitigating the negative impact of competition on bank stability, which has mainly been under-elaborated in prior studies, particularly in using measures from The World Bank’s Worldwide Governance Indicators, which measure how the institutions of each country influence bankers’ and the people's behavior, as part of the cultural system. Research Methods: Using a sample of 427 Asian commercial banks from 2011 to 2019, we employ the generalized method of moments (GMM) estimator and consider loan growth and the cost to income ratio as instrumental variables. Findings/Results: We find robust evidence that competition erodes bank stability. Besides, better institutional quality, especially government effectiveness, regulatory quality, the rule of law, and corruption control in each country are important aspects that promote bank stability and mitigate the negative impact of competition on bank stability. Conclusion: Competition has a negative impact on bank stability. Meanwhile, the quality of institutions can both promote bank stability and mitigate this negative relationship.
25
Kärrlander, Tom. "Malmö diskont 1817: an institutional analysis of a banking crisis." Financial History Review 20, no. 2 (2013): 163–82. http://dx.doi.org/10.1017/s0968565013000115.
Full textAbstract:
Malmö diskont, a Swedish bank, was forced to close in 1817 after 14 years of operation because of a bank run. At the time, it was one of only three private commercial banks in Sweden. Eventually, all three banks succumbed to bank runs. The purpose of this article is to study the 1817 banking crisis from a new perspective by attempting to answer the following research question: why did Malmö diskont go under? Institutional theory is used here as a research tool. The assumption is that institutions set the limits for individuals' actions and sometimes direct them towards particular actions. The conclusions are derived from analysing the institutional framework at the time and how it interacted with Malmö diskont. The crisis evolved in two stages. The first stage occurred when the financial position of Malmö diskont severely deteriorated in the interaction between institutions and actors in 1817. The implementation of a bailout and a new institutional structure would have been necessary to save the bank. This conclusion complements earlier theories related to monetary or credit overexpansion as to why banking crises occur. The second stage occurred when the Swedish government allowed Malmö diskont to fall in October 1817.
26
Rahmawati, Rahmawati, and Khairul Putriana. "Tantangan Konversi Bank Konvensional Menjadi Bank Syariah di Aceh Berdasarkan Qanun Lembaga Keuangan Syariah No 11 Tahun 2018." TAWAZUN : Journal of Sharia Economic Law 3, no. 2 (2020): 229. http://dx.doi.org/10.21043/tawazun.v3i2.7725.
Full textAbstract:
<p><em>The presence of the Islamic Financial Institution Qanun No 11 </em><em>in </em><em>2018 is a special right for Aceh and has brought a breath of fresh air to the development of the Islamic banking industry in Aceh, a number of conventional banks in Aceh are required to convert to Islamic banks, The purpose of this study is to explain the procedure for accelerating the conversion of unconventional banks to Islamic banks in Aceh and to explain the challenges of banking institutions with the obligation to convert financial institutions in Aceh. The obligation to convert a conventional bank into a sharia bank is clearly as stipulated in article 6 points e and d, although the process of converting a conventional bank to a sharia bank is not found directly in the qanun, but every bank that does the conversion must refer to BI regulations namely PBI No. 11 / 15 / PBI-2009, this is as explained in article 12 "before carrying out business activities, LKS must have a business license in accordance with the provisions of the legislation".</em></p><br /><p> </p>
27
Muriithi Njue, Alex, Samuel Nduati Kariuki, and Duncan Mugambi Njeru. "Liquidity Management and Financial Performance of Microfinance Institutions in Kenya." Journal of Social Sciences Research, no. 611 (November 19, 2020): 943–53. http://dx.doi.org/10.32861/jssr.611.943.953.
Full textAbstract:
Sound liquidity management is integral for any financial institution’s stability and profitability, since deteriorating liquidity management is the most frequent cause of poor financial performance. As with any financial institution, the biggest risk in microfinance sector is lending money and not getting it back leading to liquidity problems as most of them have no access to lender of the last resort which is the Central Bank of Kenya. The study sought to investigate the effect of liquidity management on financial performance of microfinance institutions in Kenya. The target population of the study was all the twenty-six microfinance in Kenya that are members of Association of Microfinance Institutions and were licensed by the Central Bank of Kenya as at 2017. A census of all the twenty-six 26 Microfinance Institutions in Kenya was conducted for five years from 2012 to 2016. Secondary data on the study variables was gathered from the audited financial statements of the Microfinance Institutions. The study employed random effect model on a 5-year panel data from 2012 to 2016 on all the 26 Microfinance Institutions in Kenya. The study found a positive relationship between capital adequacy and financial performance and a negative relationship between asset quality, maturity gap and financial performance. The study would help Microfinance Institutions as they would use the research findings to develop liquidity management strategies to enable Microfinance Institutions improve on their financial performance.
28
Sarfaty, Galit A. "Why Culture Matters in International Institutions: The Marginality of Human Rights at the World Bank." American Journal of International Law 103, no. 4 (2009): 647–83. http://dx.doi.org/10.1017/s0002930000159810.
Full textAbstract:
Why do international institutions behave as they do? International organizations (IOs) have emerged as significant actors in global governance, whether they are overseeing monetary policy, setting trade or labor standards, or resolving a humanitarian crisis. They often execute international agreements between states and markedly influence domestic law, which makes it important to analyze how international institutions behave and make policy. Conducting an ethnographic analysis of the internal dynamics of IOs, including their formal and informal norms, incentive systems, and decision-making processes, can usefully aid in understanding institutional behavior and change. This article analyzes the organizational culture of one particularly powerful international institution—the World Bank (the Bank)—and explores why the Bank has not adopted a human rights policy or agenda.
29
Kartawinata, Budi Rustandi, Candra Wijayangka, and Muhammad Hasan Rabbani. "Analisis Perbedaan Revenue Bunga Bank Konvensional Dengan Bagi Hasil Bank Syariah (Studi PT Bank Maybank Tbk dan PT Bank BRI Syariah Tbk)." eCo-Buss 1, no. 3 (2019): 196–202. http://dx.doi.org/10.32877/eb.v1i3.65.
Full textAbstract:
Financial institutions divided into two, conventional banking and sharia banking. The fundamental thing that distinguishes between conventional and sharia financial institutions lies in the return and profit sharing provided by customers to financial institutions and / or provided by financial institutions to customers (Muhamad, 2014). Operational activities of sharia banks use the Profit Sharing Principle. This research was conducted in order to find out Revenues comparison between interest given by Bank Maybank with Profit Sharing given by Bank BRI Syariah. The purpose of this study is to find out whether there is a difference between the ratio of Revenue and analyze which greater revenue gave from Bank Maybank Interest to Profit Sharing gave from Bank BRI Syariah. The research method used in this research is qualitative method, and data collection technique using secondary data which researcher use data of financial report at bank Maybank and BRI Syariah for saving from 2012-2016. Data analysis technique used in this study is by using T test, which divided into three, normality test, homogeneity test and independent test. The revenues comparison between conventional bank interests were different to profit sharing given by sharia bank. Profit sharing given by Syariah Bank is greater because Conventional Bank uses tier system while Syariah Bank does not
30
Mody, R. J. "Reforms in Non-bank Financial Intermediaries." Vikalpa: The Journal for Decision Makers 19, no. 4 (1994): 41–48. http://dx.doi.org/10.1177/0256090919940404.
Full textAbstract:
Reforms in the financial sector would mean changes in financial institutions and financial markets. Financial institutions can be classified into banks and non-bank financial intermediaries. In this article, R J Mody focuses on reforms in the area of non-bank financial intermediaries.
31
FAIRCHILD, GREGORY B., and MEGAN E. JUELFS. "JUST HOW RISKY? COMPARATIVE INSTITUTIONAL RISKS OF MISSION-BASED DEPOSITORY INSTITUTIONS." Journal of Developmental Entrepreneurship 25, no. 04 (2020): 2050023. http://dx.doi.org/10.1142/s1084946720500235.
Full textAbstract:
We examine the relative institutional failure risks for three sets of bank depositories: Community Development Banking Institutions (CDBIs), Minority Depositories (MDIs) and what we term Non-Mission Depository Institutions (NMDIs). CDBIs have primary missions of community development and serving underserved populations; MDIs are typically led by minorities and serve minority populations (a single institution can be both a CDBI and an MDI, either or neither). In this analysis, NMDIs represent all other depository banks. Given their operation within lower-income and minority communities, MDIs and CDBIs appear, prima facie, to face greater institutional failure risks. We examine these risks across each set of institutions, ceteris paribus. Utilizing data from a number of sources, including the Reports of Condition and Income (call reports) for a substantial set of FDIC-insured banks in the United States, we apply a modified Capital, Assets, Management, Earnings and Liquidity model (CAMEL) to measure the predictive likelihood of failure. Recognizing that MDIs are not homogeneous, we also examine relative institutional failure across types of depositories. The results indicate that CDBIs and MDIs are systematically at lower failure risks and that there are differences across service designations.
32
Doyran, Mine Aysen, and Zachary Roman Santamaria. "A comparative analysis of banking institutions: examining quiet life." Managerial Finance 45, no. 6 (2019): 726–43. http://dx.doi.org/10.1108/mf-09-2018-0415.
Full textAbstract:
Purpose The purpose of this paper is to analyze the performance of banking institutions in Costa Rica over the period 2004–2014. Design/methodology/approach This paper employs system GMM, dynamic panel data and traditional financial hypothesis framework to analyze bank performance and assess marketplace sustainability for a sample of commercial and cooperative banks from Costa Rica. In the assessment, the authors visit the relative market power, structure conduct performance (SCP) and efficient structure literature. Findings Market share (MS) is positively related to performance whereas the authors find a negative effect of market concentration (Herfindahl–Hirschman index) on bank profits, thereby refuting the SCP hypothesis. The authors accept the “quiet life” hypothesis within Costa Rican banks since a moderate level of profit persistence is detected. Commercial banks are less profitable. Yet when crisis is introduced to the models, it has a significant and negative impact on overall bank performance. Research limitations/implications The authors selected years and banks based on available data plus default information in the relevant database. More insights can be gained from post-2014 developments. Practical implications The current results and conclusions have implications for developing economies (and economic development, in general) by showing that the traditional understanding of cooperative bank model as better for the public good may not be necessarily true. They offer insight into the understanding of how different bank-type institutions affect the public good. Furthermore, expanding the research to Latin America in order to directly compare commercial and cooperative enterprises via a meta-frontier technique would help buttress this evidence. Originality/value This is the most recent study to provide such an investigation for a Latin American country with a sizable MS for cooperative and public sector banks. The paper offers analysis that has been limited in Latin American banking markets thus far.
33
Ibrahim, Johannes, and Hassanain Haykal. "Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)." Hasanuddin Law Review 1, no. 1 (2016): 89. http://dx.doi.org/10.20956/halrev.v1i1.216.
Full textAbstract:
Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.
34
Ibrahim, Johannes, and Hassanain Haykal. "Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)." Hasanuddin Law Review 1, no. 1 (2016): 89. http://dx.doi.org/10.20956/halrev.v1n1.216.
Full textAbstract:
Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.
35
Shrestha, Prakash. "Effect of Merger and Acquisition Practice in Financial Institutions of Nepal." Journal of Balkumari College 8 (December 31, 2019): 5–9. http://dx.doi.org/10.3126/jbkc.v8i0.29292.
Full textAbstract:
The merger and acquisition serve as a disciplinary device for the bank management to improve the performance of the bank or as a means of implementing unpleasant business measure. This study aims to study the effect of merger and acquisition practice based on perceptions of personnel of financial institutions of Nepal. For the study, a closed-end questionnaire has been prepared and distributed among 180 banking personnel of three merged commercial banks (i.e. NIC Bank Ltd. and Bank of Asia Ltd., Global IME Bank Ltd. and Commerce & Trust Bank Ltd., and Prabhu Bank Ltd. and Grand Bank Nepal Ltd.) to analyze their views towards banking merger process. Out of them 80 (53.33%) questionnaires have been returned and used in this study. The results of this study indicate that merger and acquisition affect the liquidity position of the bank. The results also show that M&A practices increase the capital base of BFIs & thus develop the competent capabilities.
36
Ahamer, G. "International Financial Institutions Ask to Contribute to Climate Protection." Finance: Theory and Practice 25, no. 4 (2021): 6–23. http://dx.doi.org/10.26794/2587-5671-2020-25-4-6-23.
Full textAbstract:
The aim of this article is to show in which way international financial institutions (IFIs) can contribute to climate protection projects. The principles of IFIs’ project cycles are explained in the context of the new blending tool. The cooperation with other donors stands in the centre of EU project funding and the notion of leveraging allows to quantify the cooperative effect among different donors. The bulk of this article describes the most relevant IFIs and national development banks with an international focus: Green Climate Fund (GCF), European Investment Bank (EIB), European Bank for Reconstruction and Development (EBRD), French Development Agency (AFD), German Development Bank (KfW), World Bank (WB), Asian Development Bank (ADB), and the Asian Infrastructure Investment Bank (AIIB). For all these IFIs, descriptions are provided and their main fields of actions identified. The procedure of application (the “project cycle”) is illustrated and an overview of their strategies is given. Thus, this article seeks to provide practical guidance on how to cooperate with IFIs and to direct funds into substantially valid and responsible climate projects.
37
ElKelish, Walaa Wahid, and Jon Tucker. "Property rights institutions and bank performance across countries." Managerial Finance 41, no. 1 (2015): 80–101. http://dx.doi.org/10.1108/mf-10-2013-0288.
Full textAbstract:
Purpose – The purpose of this paper is to investigate the relationship between the quality of property rights institutions (PRIs) and bank financial performance in an empirical study of 136 countries over the period 1999-2006. Design/methodology/approach – The quality of PRIs and financial accounting-based measures of bank performance are obtained from the Economic Freedom of the World Project (Gwartney et al., 2006), the Polity IV Project, the World Bank data indicators database, and the International Monetary Fund. Several multiple regression analyses are conducted to test the study hypotheses. Findings – The results reveal that the quality of legal structure and security of PRIs positively (negatively) affects both bank cost efficiency (inefficiency) and profitability. The presence of a quality political structure negatively (positively) affects bank cost efficiency (inefficiency). The quality of political structure has no direct impact on bank profitability. The impact of PRIs on bank cost efficiency is more evident in the upper middle and high income group of countries than in the low and lower middle income group of countries. An appropriate level of PRI quality is essential to achieve both competition and development. Practical implications – The paper highlights policy implications for international policy makers, regulators, and the management of banks who are interested in banking sector development across countries. Originality/value – The study investigates the fundamental importance of PRI quality in its effect on the banking sector and extends the largely US-focused literature to a broader international setting.
38
Jere, Thomas. "Comparative Analysis of Two German Banks." Interactive science, no. 4 (59) (May 26, 2021): 51–55. http://dx.doi.org/10.21661/r-553801.
Full textAbstract:
This article explains results of a comparative to test the performance of two top banks in the German banking industry analysis using a financial ratio analysis method. The main determinants considered are solvency and liquidity indicators, which make it possible to observe the risk behaviour of banks before and after the financial crisis. The hypothesis of the study is that the behaviour of German banks depends on bank-specific variables that affect the institution ’s loan policy. The universal banks in Germany can be divided into three main types of institutions: commercial, public sector and cooperative banks. The analysis is carried out on banks of the same category in a decomposed manner. Deutsche Bank and Commerzbank representing the commercial/Private sector. Checking each Bank separately is carried out to detect the similarities or differences that each bank may have in terms of bank performance. The empirical analysis involves a sample of these German banks observed during 2015–2019.
39
Barako, Dulacha G., and Greg Tower. "Corporate governance and bank performance: Does ownership matter? Evidence from the Kenyan banking sector." Corporate Ownership and Control 4, no. 2 (2007): 133–42. http://dx.doi.org/10.22495/cocv4i2p13.
Full textAbstract:
This paper provides an empirical analysis of banks performance in Kenya. The primary purpose of this study is to investigate the association between ownership structure characteristics and bank performance. Data utilised in the study is collected from the Financial Institutions Department of the Central Bank of Kenya, both on-site inspection reports and off-site surveillance records. Empirical results indicate that ownership structure of banks significantly influence their financial performance. In particular, board and government ownership are significantly and negatively associated with bank performance, whereas foreign ownership is strongly positively associated with bank performance, and institutional shareholders have no impact on the performance of financial institutions in Kenya. The study makes a significant contribution to financial research by extending examination of banks performance to a developing country context beyond the usual confines of the developed western economies, and adds to the small number of similar studies in the African context. The results are consistent with prior research findings, and more importantly, presents statistical justification for pursuing further corporate governance reforms with respect to banks’ ownership structure to enhance the financial stability of the sector
40
Lavrov, Ruslan, Viktor Beschastnyi, Liudmyla Nikolenko, Allam Yousuf, Serhii Kozlovskyi, and Iryna Sadchykova. "Special aspects of the banking institutions rating: a case for Ukraine." Banks and Bank Systems 14, no. 3 (2019): 48–63. http://dx.doi.org/10.21511/bbs.14(3).2019.05.
Full textAbstract:
In today’s rapidly changing global financial market, potential counterparties are in dire need of reliable and timely information on the partner bank performance in order to find the most successful one in terms of conducting credit and deposit transactions. Public ratings of banks serve to solve this problem and are considered as one of the effective tools for choosing such a bank. In Ukraine, the rating of banking institutions is not widely used by business entities because of the imperfect methodology of analysis of banks, a rating process that is closed to the public, the assignment of an unreliable rating to selected banks, the use of obtained ratings by banks for marketing purposes, etc. Therefore, the purpose of the study is to improve the existing rating systems for Ukrainian environment. International and domestic regulatory documents on rating, data of the National Bank of Ukraine and commercial banks, materials of rating agencies, as well as scientific publications of well-known Ukrainian and foreign scientists made the theoretical basis of the study. It is proposed to take a number of priority measures to legislatively regulate the activities of bodies for rating scores of banking institutions, to create a branched infrastructure of the rating market and to establish effective interaction of its participants, to end demonopolization and weaken entry barriers and to introduce new agencies in the rating market, to identify new rating methodologies. The conclusions are aimed at the development of a civilized and transparent rating business in Ukraine, which will ultimately contribute to the timely detection and neutralization of crisis phenomena in the banking sector, restoring confidence between banks and their clients, creating the preconditions for making sound business decisions.
41
Rai, Lok Bahadur. "The Impact of Corporate Social Responsibility on the Financial Performance in Nepalese Commercial Banks." Pravaha 25, no. 1 (2020): 119–28. http://dx.doi.org/10.3126/pravaha.v25i1.31941.
Full textAbstract:
The main purpose of this study is to examine the impact of Corporate Social Responsibility (CSR) on Return of Assets (ROA), Return of Equity (ROE) and Earnings per Shares (EPS) of commercial banks in Nepal. This study will be of immense use to the government, financial institutions and to other stakeholders. The data is obtained from the annual reports issued by the sample banks, and the study has covered the period of 2010-2018. The impact of ROE, ROE and EPS was tested on CSR. Similarly, to verify relationship between ROA, ROE, EPS and CSR the simple regression model was used. The regression model shows that ROA of Nepal Investment Bank and Standard Chartered Bank Nepal have no significant relationship with corporate social responsibility. ROE of Nepal Investment Bank has a significant relationship but Standard Chartered Bank Nepal has no significant relationship with CSR. Similarly, EPS of Nepal Investment Bank has a significant relationship but Standard Chartered Bank Nepal has no significant relationship with CSR. The study recommends that the financial institutions i.e. commercial banks should follow the directives given by the Central Bank (Nepal Rastra Bank) in the Monetary Policy for the F/Y 2016/17, in which Banks and Financial Institutions (BFIs) are asked to spend at least one percent of their profits in CSR activities and also CSR should be seen as an investment reported as such in financial statements of the financial institutions.
42
Charitou, Melita. "Determinants of the Capital Adequacy of U.S Financial Institutions." International Finance and Banking 6, no. 1 (2019): 31. http://dx.doi.org/10.5296/ifb.v6i1.14384.
Full textAbstract:
In this study we examine the determinants of the capital adequacy ratios of the US financial institutions over the period 2012-2017. Using a dataset of 2135 bank-year observations, results show that financial institutions with high operating expenses as a percentage of revenues have lower capital adequacy ratios. This is an indication that bank inefficiencies are an impediment to robust capital adequacy ratios. Moreover, results show that more profitable banks have higher CARs. Evidence shows that additional two risk related variables affect positively CARs, namely, earnings coverage of net charge off and loss allowance to loans. These results should be of great importance to bank executives, bank regulators and to major stakeholders such as investors and financial analysts, especially after the latest global financial crisis and the collapse of giant US financial institutions.
43
Grace Oyeyemi Ogundajo, Adegbemi Babatunde Onakoya, Enyi Patrick Enyi, and Tunji T. Siyanbola. "Financial Institutions’ Inter Mediation and Economic Development in Nigeria." Journal of Accounting and Finance in Emerging Economies 5, no. 1 (2019): 33–46. http://dx.doi.org/10.26710/jafee.v5i1.723.
Full textAbstract:
This paper examines the effect of intermediation capacity of the financial institutions on the Nigerian economic development (Real Gross Domestic Product (RGDP). It is a causal-effect relationship study which made use of macro data obtained from Central Bank of Nigeria (CBN) Statistical Bulletin from the period 1981-2016. The result of the Johansen co-integration test and ARDL bound test evidenced that there exist a long-run relationship between financial institutions’ activities and real GDP. ARDL regression model showed financial institution activities, particularly the loans to the private sector significantly impacted on economic growth both in the short-run and long-run The study also found that bank loans and advances, bank reserves and interest rate had insignificant negative impact on real GDP while credit to private sector significantly affected economic development of Nigeria (RGDP) Thus, economic development of Nigeria is driven by the performance of deposit money banks and concludes that the performance of deposit money banks has effect on the economic development of Nigeria. The study recommended that the banking sector should increase lending to the private sector in order to engender economic growth through the enhancement of entrepreneurial development.
44
Vousinas, Georgios L. "Supervision of financial institutions." Journal of Financial Regulation and Compliance 23, no. 4 (2015): 383–402. http://dx.doi.org/10.1108/jfrc-02-2015-0011.
Full textAbstract:
Purpose – This paper aims to highlight the new regulatory framework established by Basel III. Design/methodology/approach – This paper provides a critical review of the existing literature concerning bank supervision while providing an overview of the transition from Basel I to Basel III rules and critical appraisal of the current regulatory framework. Review of the existing literature. Findings – Basel III introduces new measures in favor of bank stability and in order to mitigate the propagation of financial shocks. But on the other hand the new regulatory framework adds an extra burden to banks’ business plans affecting credit policies and thus the real economy. Another issue that is not properly addressed is the rising of financial innovations that are able to pass by the new regulations. Overall Basel III rules are moving to the right direction but need to stay always up-to-date in order to catch up with the modern ever-evolving financial system. Pros and cons. Need for improvement. Originality/value – The paper presents an up-to-date review of Basel rules with future prospects.
45
Et. al., Aniket Pundir ,. "A Systematic Review on Non-Performing Assets in Banks in India." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 2 (2021): 177–84. http://dx.doi.org/10.17762/turcomat.v12i2.699.
Full textAbstract:
Lending is a cruttial part of financial sector that is Banks/NBFCs in India. It is main revenue génération business of Bank/NBFCs. Financial Institution i.e. Bank and NBFCs used to borrow funds from the market i.e. from other institution & public and then lend the same again to its clients to gain profits to its owners/investors. There were 27 Public Sector Banks in India (Incl. SBI Associates Banks) before announcement of merger of some Banks by Union Govt. Of India in the year 2019 and there are multiple other Pvt. Sector Banks and NBFCs, co-operative bank and regional rurul bank which we studied in this paper. Lending business of the Banks/NBFCs is facing slowdown in recent years. Non-Performing Assets are increasing day by day which is creating big problem not only to financial sector i.e. Bank/NBFCs but also for other industries. In this paper we will systemtically review the literature/artiles already pubilshed on NPAs in India and to know the main reasons and factor which are resposible for rising NPA in financial institutions and to find out scope of further research on this topic.
46
Niavand, Hossein, and Farzaneh Haghighat Nia. "The Study of Financial Condition and Credit Institutions in Iran." Business and Economic Research 8, no. 1 (2017): 178. http://dx.doi.org/10.5296/ber.v8i1.12529.
Full textAbstract:
This paper examines that financial conditions and credit institutions in Iran, Credit institutions; non-governmental and public economic institutions in Iran agreed in principle with the central bank are established and engaged in banking operations. A “credit union institution” that by attracting deposits allowed the bank (excluding deposit interest-free loan current), obtaining loans and other financial instruments to mobilize resources, Venture and the resources to grant credit facilities assigned or in any other manner to the recognition of the central bank, an intermediary between suppliers and applicants have the financial resources. We show that the financial condition and credit institutions are possible or not, and the result will be institutions offering appropriate solutions.
47
Piliyanti, Indah. "MEMBANGUN BUDAYA ORGANISASI BISNIS SYARI’AH (Studi pada Bank Muamalat Indonesia)." Economica: Jurnal Ekonomi Islam 1, no. 1 (2016): 27. http://dx.doi.org/10.21580/economica.2010.1.1.831.
Full textAbstract:
The differences between Islamic business institution and non Islamic business institutions are related to the values of such institutions. Islamic business institution should be based on ethical and religious values. In turn, the corporate culture of Islamic business institution should be understood by all party in the organization. The Islamic business institutions would have different perspective on corporate culture concept with their conventional counterparts, which would affect their performance.<br />This paper tries to discuss about the corporate culture in Islamic business institutions. We can learn from the corporate culture of Bank Muamalat Indonesia’s experience, the first Islamic<br />bank in Indonesia which practices the unique corporate culture called the Celestial Management. This concept tried to transform religious messages from Al-Quran and Hadits in business<br />matters. This Corporate culture could be the competitive advantages in the global market. It could be a model toward another Islamic business institutions in Indonesia.
48
Swanson, Kara W. "Body Banks: A History of Milk Banks, Blood Banks, and Sperm Banks in the United States." Enterprise & Society 12, no. 4 (2011): 749–60. http://dx.doi.org/10.1017/s1467222700010661.
Full textAbstract:
My dissertation traces the invention and development of a new form of banking, body banking. Today, the body bank as an institution that collects, stores, processes, and distributes a human body product is a taken-for-granted aspect of medicine in the United States. We donate to blood banks, we cherish sperm bank babies, and we contemplate many sorts of banks, including cord blood banks, gene banks, and egg banks. Such institutions have existed for the past century in the metaphorical shadow of financial banks, and like those better-studied banks have stirred considerable controversy. The driving question behind my dissertation is simply, why banks? How did we come to use “bank” to apply to bodies as well as to dollars? More intriguingly, what does this analogy show us and what is it hiding?
49
Yasin, Akhmad. "Keterkaitan Kerahasiaan Bank dan Pajak: Antara Kepentingan Negara dan Pribadi." Jurnal Konstitusi 16, no. 2 (2019): 212. http://dx.doi.org/10.31078/jk1621.
Full textAbstract:
Bank sebagai lembaga keuangan, eksistensinya sangat tergantung dari kepercayaan masyarakat yang menjadi nasabahnya. Masyarakat telah memercayai bank sebagai institusi yang menyimpan dana nasabah, mengelola dan menyalurkan kembali kepada masyarakat dalam bentuk pinjaman atau kredit. Oleh karena itu, untuk menjaga kepercayaan nasabah tersebut, bank harus mematuhi ketentuan mengenai rahasia bank. Permasalahan dalam penelitian ini adalah mengetahui dalam kondisi bagaimana rahasia bank dapat diakses, pihak-pihak mana yang wajib menjaga kerahasiaan bank, adakah keterkaitan kerahasiaan bank dengan pajak, dan perlukah kerahasiaan bank yang terkait pajak dihilangkan. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Hasil penelitian mengungkapkan bahwa terdapat beberapa kondisi dimana rahasia bank boleh dibuka, tetapi tidak semua informasi dan data keuangan nasabah boleh dibuka di hadapan publik kecuali setelah adanya persetujuan dari Otoritas Pajak dan setelah mendapat laporan dari lembaga jasa keuangan di bawah pengawasan Otoritas Jasa Keuangan. Pembukaan rahasia bank diperbolehkan apabila berhubungan dengan kepentingan negara, seperti untuk kepentingan peningkatan kepatuhan masyarakat terhadap pembayaran pajak dan peningkatan penerimaan negara di sektor pajak.Banks as financial institutions, their existence is very dependent on the people’s trust who become their customers. The community has trusted banks as institutions that store customer funds, manage and channel back to the community in the form of loans or credits. Therefore, to maintain the customer's trust, the bank must obey bank secrets provisions. This research uses descriptive qualitative research method in the form of normative legal research and laws and regulations studies related to bank secrecy, derived from literature such as constitutional court decision, books, journals, articles, magazines, and websites. The results reveal that there are several conditions under which bank secrets may be opened, but not all financial information and data of the client may be disclosed in public unless after approval by the Tax Authority after receiving a report from a financial services institution under the supervision of the Financial Services Authority. The unveiling of bank secrecy is permitted when it comes to the interests of the state, such as for the purpose of increasing public compliance of tax payments and increasing state revenues in the tax sector.
50
Melis, Melis. "Pengelolaan Sumber Daya Insani dalam Memasarkan Produk dan Jasa Lembaga Keuangan Syariah." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 5, no. 1 (2019): 1–10. http://dx.doi.org/10.36908/isbank.v5i1.65.
Full textAbstract:
This research discusses the management of human resources in marketing the products and services of Islamic financial institutions. The results of this study prove that Islamic banks and financial institutions in Indonesia are developing very fast. However, the image of banks and Islamic financial institutions in Indonesia is not good. For this reason, several policies in managing Islamic financial institutions need to be addressed. One of them is the aspect of human resources. An employee of a bank and an Islamic financial institution that is accepted must have a good personality, an expert in muqalah fiqh, knowledge of Islamic financial institutions, computers / IT and so on. They must be people who support strongly to practice Islamic economics in their lives.