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Journal articles on the topic 'Bank laws'

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Published: 28 May 2022

Last updated: 31 July 2025

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1

Armah, Bernard K. N., Timothy A. Park, and C. A. Knox Lovell. "Evaluating the Performance of Agricultural Bank Management: The Impact of State Regulatory Policies." Journal of Agricultural and Applied Economics 31, no. 3 (1999): 437–48. http://dx.doi.org/10.1017/s1074070800008750.

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AbstractWe evaluate agricultural bank management performance, focusing on the impacts of interstate banking laws on productivity change. The generalized Malmquist productivity index decomposes productivity change into technological change, technical efficiency change, and change in scale economies. While managerial productivity rose from 1982 to 1991, states that adopted the most liberal interstate banking laws experienced the greatest improvement in productivity. Large agricultural banks were more efficient in states that had more liberalized interstate banking laws while small agricultural b

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Sriono, S., Sri Dewi, Miftah Hulzannah, Maria Panggabean, and Riki Afri Rizki. "Legal Protection Against Bank Customers in Review of Banking Laws." International Journal of Educational Research & Social Sciences 1, no. 1 (2021): 1–6. http://dx.doi.org/10.51601/ijersc.v1i1.7.

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Legal protection for customers is reviewed in terms of banking laws and regulations, such as Law Number 21 of 2008 concerning Islamic banking. Both Islamic banks and conventional banks with regulatory control must comply with general banking regulations. Act Number 7 of 1992 concerning Banking. The Banking Law which regulates amendments to Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1999. there is an obligation for banks to become members of the Deposit Insurance Corporation (LPS) so as to provide protection for depositors customers against their deposits and the existence o

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Alimov, Azizjon. "Labor Protection Laws and Bank Loan Contracting." Journal of Law and Economics 58, no. 1 (2015): 37–74. http://dx.doi.org/10.1086/682908.

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Kurniawan, Danang. "Initiating the Establishment of Digital Banks in Indonesia: A Juridical Study." Journal of Transcendental Law 4, no. 1 (2022): 1–15. http://dx.doi.org/10.23917/jtl.v4i1.17311.

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In the industrial era 4.0 as it is today, the ease and speed of getting something is highly sought after, including the ease and speed of obtaining financial services. The convenience of banking services is an advantage for consumers in choosing a service provided in the bank. This is what banks do to form services from conventional banks to open digital services. But it is felt that digital services are not enough to meet the needs of customers in carrying out all their transaction activities at the bank. With that, a digital bank service was opened. However, if viewed from the juridical aspe

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Elliehausen, Gregory, and Simona M. Hannon. "FinTech and Banks: Strategic Partnerships That Circumvent State Usury Laws." Finance and Economics Discussion Series, no. 2023-056r1 (October 2023): 1–45. http://dx.doi.org/10.17016/feds.2023.056r1.

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Previous research has found evidence suggesting that financial technology (FinTech) lenders seek out opportunities in markets that have been underserved by mainstream banks. The research focuses primarily on the effect of bank market structure, limited income, and economic hardship in attracting FinTech companies to underserved markets. This paper expands the scope of FinTech research by investigating the role of interest rate regulation of consumer credit and institutional risk segmentation in FinTech lenders’ efforts to solicit new customers in the personal loan market. We find that strategi

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Elliehausen, Gregory, and Simona M. Hannon. "FinTech and Banks: Strategic Partnerships That Circumvent State Usury Laws." Finance and Economics Discussion Series, no. 2023-056 (August 2023): 1–45. http://dx.doi.org/10.17016/feds.2023.056.

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Previous research has found evidence suggesting that financial technology (FinTech) lenders seek out opportunities in markets that have been underserved by mainstream banks. The research focuses primarily on the effect of bank market structure, limited income, and economic hardship in attracting FinTech companies to underserved markets. This paper expands the scope of FinTech research by investigating the role of interest rate regulation of consumer credit and institutional risk segmentation in FinTech lenders’ efforts to solicit new customers in the personal loan market. We find that strategi

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Saputra, Wely, and Muhammad Yasir. "Hak Merek Sebagai Jaminan Fidusia Dalam Praktik Pemberian Kredit Oleh Perbankan Di Indonesia." JOURNAL of LEGAL RESEARCH 2, no. 1 (2020): 137–52. http://dx.doi.org/10.15408/jlr.v2i1.14612.

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The goal of this study is to develop the legal status of brand rights as collateral for bank credit guarantees and to analyze the risks of applying brand rights as collateral for bank credit guarantees in Indonesia. Brand rights are part of intellectual property rights which, of course, are of commercial significance to be used as collateral for bank loans. This study is a normative legal research using a regulatory methodology or a legislative approach to interpreting the idea of brand rights being used as security for bank loan guarantees, as laid down in statutory regulations, which are mea

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Nurhisam, Luqman, and Dimas Aprilianto. "Hifdz Al-Maal dalam Regulasi Rahasia Perbankan." TAWAZUN : Journal of Sharia Economic Law 3, no. 2 (2020): 217. http://dx.doi.org/10.21043/tawazun.v3i2.8269.

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<p class="Default"><em>Bank secrecy refer to secrets in the relationship between a bank and a customer. In accordance with Article 40 paragraph (1) of Law Number 10 Year 1998 concerning Banking, it is stated that banks are required to keep confidential information regarding their depositing customers and their deposits. The research was conducted using the library research method, which looks for normative sources of law by reviewing the laws and regulations that apply or are applied to a particular legal problem. The approach used is the statutory approach, namely the approach tak

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Darrat, Ail F. "Are Checking Accounts in American Banks Permissible Under Islamic Laws?" American Journal of Islam and Society 2, no. 1 (1985): 101–3. http://dx.doi.org/10.35632/ajis.v2i1.2780.

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The purpose of this note is to stimulate the thought of Muslim scholarsabout a neglected aspect of American banking business. namely thepayment of interest on demand deposits (checking accounts).Demand deposits represent funds that commercial banks use toextend loans to the public and purchase interest-bearing securities. Therevenues from these activities are a major source of income forcommercial banks. Consequently, fierce competition exists amongbanks to attract such funds: However, competition for these fonds. untilrecently, could not take the form of an explicit interest rate because theA

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Yin, Desheng, and Xinting Zhen. "Employment Protection and Banking Power: Evidence from Adoption of Wrongful Discharge Laws." Sustainability 13, no. 4 (2021): 1635. http://dx.doi.org/10.3390/su13041635.

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Human capital and labor costs are crucial for the sustainable growth of organizations, and take a vital role in affecting bank efficiency and banking power. This research empirically investigates whether labor employment protection affects banking power. The analysis exploits the staggered adoption of Wrongful Discharge Laws (WDLs) as a quasi-exogenous shock to employment protection. A Difference-In-Difference research design is implemented to study the impacts of WDLs on banking power, and the main results show that there exists a decline of banking power for commercial banks headquartered in

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Syam, Andi Hunafah Balqis, and Arief Widyananto. "Analisis Pengelolaan Dana Non-Halal Bank Syariah Indonesia." At-Tamwil: Journal of Islamic Economics and Finance 3, no. 2 (2024): 98–108. https://doi.org/10.33558/attamwil.v3i2.7201.

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Islamic banks are financial institutions that operate according to sharia, the existence of non-halal funds in Islamic banks is something that is still not widely known by the public which then creates misperceptions that Islamic banks accept non-halal funds as being considered the same as conventional banks. This research aims to provide literacy to readers that the management of funds from non-halal activities received at Indonesian Sharia Banks is not the same as conventional banks by carrying out a descriptive qualitative approach, namely conducting interviews with sources regarding non-ha

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MITCHENER, KRIS JAMES. "Bank Supervision, Regulation, and Instability During the Great Depression." Journal of Economic History 65, no. 1 (2005): 152–85. http://dx.doi.org/10.1017/s0022050705050060.

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Even after controlling for local economic conditions, differences in supervision and regulation help explain the large variation in state bank suspension rates across U.S. counties during the Great Depression. More stringent capital requirements lowered suspension rates whereas laws prohibiting branch banking and imposing high reserve requirements raised them. States whose bank supervisors could liquidate banks minimized contagion and credit-channel dislocations and experienced lower suspension rates. Those that gave their supervisors sole authority to issue bank charters and granted their sup

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Bergevin, Peter M. "The impact of changes in bank secrecy laws." International Executive 33, no. 1 (1991): 3–6. http://dx.doi.org/10.1002/tie.5060330102.

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Mlađenović, Mirjana. "Analysis of the degree of legal independence of the Croatian National bank and the National bank of the Republic of North Macedonia." Glasnik Advokatske komore Vojvodine 95, no. 2 (2023): 733–75. http://dx.doi.org/10.5937/gakv95-40950.

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The stability of each country's monetary system depends on the quality of operations of its Central Bank, as one of the most important institutions. Due to their great importance, central banks hold a special place in scientific analysis. For a Central Bank to successfully achieve its objectives, it has to operate independently of the executive and legislative powers. Through content analysis and the comparative method, this paper analyzes and compares different parameters and indices measuring the independence of the central banks of the Republic of Croatia and the Republic of North Macedonia

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Haentjens, Matthias, and Ilya Kokorin. "Bank resolution and national insolvency law: the case of group financing." Zeitschrift für Bankrecht und Bankwirtschaft 36, no. 1 (2024): 8–15. http://dx.doi.org/10.15375/zbb-2024-0105.

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Abstract This article explores the complex interplay between bank resolution and national insolvency law, with a specific focus on intra-group financing. We discuss group financial support agreements under BRRD, prudential requirements under the CRR, iMREL under BRRD, and harmonisation of national bank insolvency laws. We conclude that without harmonisation, the dependence of bank resolution on national insolvency laws continues to result in legal diversity and uncertainty, and thus may jeopardise effective resolution.

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Dewantara, Reka, and Hany Ayunda Mernisi Sitorus. "RE-EVALUASI PENDIRIAN BANK DIGITAL DI INDONESIA: PARADIGMA, KONSEP DAN REGULASI." Veritas et Justitia 8, no. 2 (2022): 493–513. http://dx.doi.org/10.25123/vej.v8i2.5433.

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The Financial Services Authority, anticipating the movement towards digital (bank 5.0), issued Regulation no. 12/POJK.03/2021 concerning Commercial Banks. However, its coverage is limited. It covers only rules on how to establish and manage digital branches of existing banks. Not yet available are special arrangements for the establishment of digital commercial banks or neo-banks. This paper discusses the possibility of establishing digital banks in Indonesia. By perusing the prevailing laws and regulations, and re-evaluate what exist, the author reached the conclusion that the Bank Law should

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Wahyuningsih, Sri Endah, and Isfandayani -. "Analisis Penerapan Good Corporate Governance (GCG) Pada Bank Umum Syariah." MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) 11, no. 2 (2021): 45–53. http://dx.doi.org/10.33558/maslahah.v11i2.2625.

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This study aims to determine the analysis of the implementation of good corporate governance(GCG) in Islamic Commercial Banks, which is represented by Bank Syariah Mandiri and BankMuamalat Indonesia. This research method is included in qualitative research with a library researchapproach, namely a series of studies relating to library data collection methods. The results showedthat the implementation of GCG in BUS as represented by Bank Syariah Mandiri and Bank MuamalatIndonesia has implemented the principles of Good Corporate Governance (GCG) in accordance withthe prevailing laws and regulati

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Wahyuningsih, Sri Endah, and Isfandayani -. "Analisis Penerapan Good Corporate Governance (GCG) Pada Bank Umum Syariah." MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) 11, no. 2 (2021): 45–53. http://dx.doi.org/10.33558/maslahah.v11i2.2625.

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This study aims to determine the analysis of the implementation of good corporate governance(GCG) in Islamic Commercial Banks, which is represented by Bank Syariah Mandiri and BankMuamalat Indonesia. This research method is included in qualitative research with a library researchapproach, namely a series of studies relating to library data collection methods. The results showedthat the implementation of GCG in BUS as represented by Bank Syariah Mandiri and Bank MuamalatIndonesia has implemented the principles of Good Corporate Governance (GCG) in accordance withthe prevailing laws and regulati

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Степанова, Вера, та Vera Stepanova. "Сomplexity of structure of institute of bank responsibility". Advances in Law Studies 4, № 3 (2016): 0. http://dx.doi.org/10.12737/20871.

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The article is devoted to research of institute of bank responsibility as complex structure which enters both in public, and private law. Bank responsibility as an independent legal design acts as an object of research. Both ad banking laws, and the codified legal acts which also contain regulations on responsibility of credit institutions (banks) are in detail analyzed. Legal comparison of content of standards of ad banking laws and norms on responsibility of credit institutions in the codified legal acts on features of subject and object accessory is carried out, the special attention is pai

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Maxfield, Sylvia. "Financial Incentives and Central Bank Authority in Industrializing Nations." World Politics 46, no. 4 (1994): 556–88. http://dx.doi.org/10.2307/2950718.

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Institutionalist models of macroeconomic performance in advanced industrial countries focus on central bank independence. In newly industrializing countries, however, the behavioral authority of the central bank is a much more significant predictor of inflation than is legal independence, because laws there are not the source of central bank ability to create or defend macroeconomic stability. Financial structures and the incentives they create for government politicians, private bankers, and industrialists explain cross-national variation in the interest and capacity of central banks in devel

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قادر, أحمد محمد. "Bank Secrecy (A Comparative Study)." Al-Kitab Journal for Human Sciences 3, no. 3 (2023): 65–88. http://dx.doi.org/10.32441/kjhs.3.3.4.

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Banks usually work to protect the secrets of their customers in order to protect the credit and it is not permissible to disclose these secrets but only in certain cases for the benefit of the credit or in exceptional cases estimated by law. The present study sheds light on the trends of comparative legislation on the protection of bank secrecy between Iraqi and French laws. The Iraqi law regulated the banking secrecy in the articles (52-49) of the Banking Law, and the French legislator regulated banking secrecy in the Article (57). The legislator also regulated in the law of monetary the fina

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Ramelan, Yudha. "PENERAPAN SAKSI PIDANA KORPORASI PADA BANK DAN IMPLIKASINYA." Masalah-Masalah Hukum 48, no. 1 (2019): 80. http://dx.doi.org/10.14710/mmh.48.1.2019.80-97.

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A criminal act by corporation is criminal offense that can be asked for criminal liability to the corporation in accordance with the laws and regulations concerning the corporation. Banks as corporate legal entities can be prosecuted before the law and tried if in carrying out their business activities the bank is suspected of committing a crime that is threatened with criminal sanction, including committing a crime of money laundering or corruption. Corporation can be punished to pay fine penalties and other additional penalties such as dissolution or revocation of business licenses. As a tru

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قادر, احمد. "(السرية المصرفية (دراسة مقارنة". Al-Kitab Journal for Human Sciences 2, № 3 (2020): 65–88. http://dx.doi.org/10.32441/kjhs.02.03.p4.

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and it is not permissible to disclose these secrets but only in certain cases for the benefit of the credit or in exceptional cases estimated by law. The present study sheds light on the trends of comparative legislation on the protection of bank secrecy between Iraqi and French laws. The Iraqi law regulated the banking secrecy in the articles (52-49) of the Banking Law, and the French legislator regulated banking secrecy in the Article (57). The legislator also regulated in the law of monetary the financial professional secrecy in Article (511-33) and its paragraphs which prohibited the manag

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An, Byeongchan, Robert Bushman, Anya Kleymenova, and Rimmy E. Tomy. "Social Externalities of Bank Enforcement Actions: The Case of Minority Lending." Finance and Economics Discussion Series, no. 2022-036 (June 2022): 1–53. http://dx.doi.org/10.17016/feds.2022.036.

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This paper studies the role banking supervision plays in improving access to credit for minorities by investigating how enforcement decisions and orders (EDOs) affect the bank borrower base. We find that, after an EDO’s termination, banks significantly increase residential mortgage lending to minorities, even when the enforcement order is not issued for violations of fair lending laws. Our findings suggest that improvements in banks’ internal credit assessment and compliance due to the enforcement process are associated with the expansion in lending to minority borrowers. Our findings highligh

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An, Byeongchan, Robert Bushman, Anya Kleymenova, and Rimmy E. Tomy. "Social Externalities of Bank Enforcement Actions: The Case of Minority Lending." Finance and Economics Discussion Series, no. 2022-036 (June 2022): 1–53. http://dx.doi.org/10.17016/feds.2022.036.

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This paper studies the role banking supervision plays in improving access to credit for minorities by investigating how enforcement decisions and orders (EDOs) affect the bank borrower base. We find that, after an EDO’s termination, banks significantly increase residential mortgage lending to minorities, even when the enforcement order is not issued for violations of fair lending laws. Our findings suggest that improvements in banks’ internal credit assessment and compliance due to the enforcement process are associated with the expansion in lending to minority borrowers. Our findings highligh

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Ilhami, Haniah. "Pertanggungjawaban Dewan Pengurus Syariah sebagai Otoritas Pengawas Kepatuhan Syariah bagi Bank Syariah." Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 21, no. 3 (2012): 476. http://dx.doi.org/10.22146/jmh.16274.

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Sharia Compliance is important in the management and operational of sharia banks, therefore a sharia supervisory board (Dewan Pengawas Syariah, DPS) is imperative to be established in every sharia-based banks. The problem is, Indonesian sharia banking laws do not clearly regulate the supervisory function of this DPS, hence this study. Kepatuhan Syariah adalah elemen penting dalam pengelolaan dan operasional bank syariah, dengan demikian sebuah dewan yang bertugas mengawasi penerapan prinsip syariah (Dewan Pengawas Syariah, DPS) harus dibentuk di setiap bank berbasis syariah. Fokus penelitian i

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Abdullah, Muhammad Zen. "Tindak Pidana Pembobolan Dana Nasabah dapat Mengurangi Kepercayaan Masyarakat terhadap Industri Perbankan." Legalitas: Jurnal Hukum 12, no. 2 (2020): 282. http://dx.doi.org/10.33087/legalitas.v12i2.227.

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The development of the banking industry by entering the current era of globalization and liberalization of financial markets, has resulted in increased competition among banks, especially in fund raising. Therefore, bank management is required to have the skills to manage the bank's wealth, debt and capital reflected in the bank's balance sheet well. A more fundamental of the expertise and skills in managing the bank, it is necessary to be careful and followed by the good faith of the bank management, ranging from the board of commissioners, directors and employees of the bank. This means that

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KADAM, NILIMA PANDURANG, TRUPTI SANTOSH RAUT, and VIJAY BABAN SHINDE. "NETWORK SECURITY AND SECURITY LAWS AND REGULATIONS LITERATURE REVIEW." JournalNX - A Multidisciplinary Peer Reviewed Journal ICACTM (May 4, 2018): 116–19. https://doi.org/10.5281/zenodo.1410176.

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Today world becomes on internet. Not only all transactions are done on online but communication is also done online, but when data is transmitted on network there are many possibilities of hacking of confidential data and chances of misuse it. Whenever we use internet, network security issue arises. Online a cybercrimes, also leaves physical, electronic evidence, but unless good security measures are taken, it may be difficult to trace the source of cybercrime. In certain e-commerce-related areas, such as networking, data transfer and data storage, researchers applied scanning and testing meth

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Harahap, Haddad" Ulum, and Rijal Allamah Harahap. "Literature Study of Riba In Banking." International Journal of Economics and Management 1, no. 01 (2023): 30–36. http://dx.doi.org/10.54209/iem.v1i01.6.

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The purpose of this article is to understand the history of banks usury and banks usury. From the results of the literature conducted, it seems that there are three opinions on the question of whether a bank's interest is usury. Second, it accepts interest because it is not equivalent to the usury prohibited by Islamic law. Third, bank interest is haram, but it is acceptable because there is no way around it. Muslim scholars and scholars still disagree on the following bank interest laws: Abu Zafra, Abu Ala Al Maudi Abdullah Al Arabi, and Yusuf Kardawa said that interest on traditional banks i

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Priyambodo, Sigit. "PERLINDUNGAN HUKUM BAGI NASABAH DEBITUR TERHADAP PENETAPAN BUNGA BANK YANG TIDAK SESUAI DENGAN PERATURAN PERUNDANG – UNDANGAN DALAM PERJANJIAN KREDIT." JURNAL MEDIA HUKUM DAN PERADILAN 5, no. 2 (2019): 147–60. http://dx.doi.org/10.29062/jmhp.v5i2.83.

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The purpose of this study is to analyze the determination and calculation of bank interest in conflict with applicable laws and regulations and analyze the legal protection of debtors as credit recipients in a credit agreement. Data collection techniques in the form of document studies, namely conducting research on documents relating to the problem to be examined in order to obtain a theoretical foundation and information in the form of formal provisions. The materials obtained were analyzed using qualitative normative methods. The results showed that the calculation of Prime Lending Rate was

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Hartono, Rudi. "LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN BANK SYARIAH (STUDI PADA BANK MUAMALAT INDONESIA)." Budgeting: Jurnal Akuntansi Syariah 3, no. 1 (2022): 48–60. http://dx.doi.org/10.32923/bdg.v3i1.2737.

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The concept of Islamic banking requires Islamic banks to provide social services through qard funds, zakat, and other donation funds in accordance with sharia principles. One of the fundamental differences between Islamic banks, as well as other Islamic entities and conventional banks, is the use of social funds received by Islamic banks' zakat institutions and then distributed by Islamic banks. The purpose of this paper is to find out how to report sources and users of Islamic bank virtue funds (Study at Bank Muamalat Indonesia). This study uses secondary data sourced from the company's finan

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Kusuma, Fredi Wijaya. "The Effect of Financial Services Authority Regulatory Implementation Concerning Financial Consumer Protection on Banking Financial Performance." Eduvest - Journal of Universal Studies 3, no. 7 (2023): 1289–302. http://dx.doi.org/10.59188/eduvest.v3i7.845.

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Many parties engage in banking as the financial services industry grows, particularly in Indonesia. To keep banks safe, financial services must emphasize customer protection. The Financial Services Authority (OJK), Indonesia's financial services regulator, implemented several consumer protection measures. The policy may hurt banks despite protecting customers. Consumer protection laws strengthen banks. Proper protection would make clients feel safer and increase bank trust. Banks with strong consumer protection regulations will attract more clients since customers will feel safe doing so. This

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Sari, Nurita, and Mugiyati Mugiyati. "Comparison of Sharia Governance Between Bank Muamalat and Bank BTN Syariah." AL IQTISHADIYAH JURNAL EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH 10, no. 1 (2024): 150. http://dx.doi.org/10.31602/iqt.v10i1.15133.

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Every business has a management strategy to maintain and develop its business, including Sharia financial institutions. The large potential of the Islamic finance industry has a positive impact on national economic growth, therefore it is important to maintain this stability. Good governance is one of the things that must be paid attention to, as well as the governance of Sharia financial institutions must comply with Sharia principles, to maintain the trust of stakeholders in the Sharia banking and finance industry. Moreover, there are rumors that two large sharia financial institutions will

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Okafor, Kathleen. "Current Perspectives in the Recovery of Bank Loans in Nigeria." International Journal of Family Business and Management 3, no. 3 (2019): 1–10. http://dx.doi.org/10.15226/2577-7815/3/3/00133.

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Prior to the independence of Nigeria in 1960, commercial lending in Nigeria was basically non-existent as the economy was mostly subsistent agriculture. However, the growth of trade between the United Kingdom and the West African sub-region inevitably led to the establishment of the African Banking Corporation in 1891 by Elder Dempster Company, a shipping conglomerate in Lagos, Nigeria. Progressively, many corporations in manufacturing, telecommunications, banking, oil and gas, retail and other businesses merged and started utilising facilities of banks for expansionary purposes or for other o

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Petrushko, Yaryna. "CREDIT RISKS AS THE OBJECT OF CONTROL AND REGULATION BY THE NATIONAL BANK OF UKRAINE." Economic Analysis, no. 27(1) (2017): 150–55. http://dx.doi.org/10.35774/econa2017.01.150.

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The article aims to define the main methods that can be used by the National Bank of Ukraine for controlling and regulating of the credit operation by the banks. One of the main targets of controlling and regulating of such type of operations by the National Bank is the protection of investors’ rights and interests, since credit activities are the allocation of the investors’ money. By the analysing the laws and regulations, the main requirements and ratios, which are stipulated by the National Bank and are to be adhered by all banks, have been unified. Both adhering of the required rations an

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Sani Jibrin, Munubiyyah, Nura Ahmad, and Umar Musa Yakasai. "A Prudential Assessment of Islamic Banking System and Sharia Governance Related to the Banks and Other Financial Institutions Act (BOFIA) in Nigeria." Journal of Islamic Economic and Business Research 3, no. 1 (2023): 25–42. http://dx.doi.org/10.18196/jiebr.v3i1.67.

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A regulatory review of Islamic banking laws concept and practice in Nigeria under conventional banking regulatory laws need to be reviewed and investigated. Sharia Regulatory laws have provided sufficient laws and practices for Islamic Financial Institutions to be integrated into Nigeria's existing system of the non-interest bank and Islamic windows. In light of the above, establishing the Financial Regulation Advisory Council of Experts (FRACE), the Advisory Committee of Experts (ACE), the Sharia Advisory Board (SAB), and the Banks and Other Financial Institutions Act (BOFIA) to promote the S

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Taurus, Kartika Sandi, Wishnu Dewanto, and Anggawira. "Perlindungan Hukum bagi Nasabah dalam Penggunaan Data Pribadi oleh Bank untuk Tujuan Komersil Kepada Pihak Ketiga." Syntax Literate ; Jurnal Ilmiah Indonesia 8, no. 10 (2023): 5744–60. http://dx.doi.org/10.36418/syntax-literate.v8i10.13744.

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This study aims to obtain information and analyze laws regarding legal protection for customers in the use of personal data by banks for commercial purposes to third parties. Using the approach method in this study is a normative juridical approach. Legal protection for customers as consumers in the banking sector is very important, because in fact the position of the parties between business actors and consumers in this is the bank and customers is often unbalanced. The Bank as a professional financial institution has the obligation to protect customer data, except for tax purposes, settlemen

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Anggar Ramadhani Yudhistira, Nur Handayani, and Wahyu Prawesthi. "Pertanggungjawaban Tindak Pidana Perbankan Perspektif Hukum Pidana dan Undang-Undang Perbankan." Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 1, no. 3 (2024): 198–214. https://doi.org/10.62383/desentralisasi.v1i3.342.

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Criminal acts in the banking sector are defined as all types of unlawful acts related to activities in carrying out bank business activities and intersect with the provisions of laws and regulations containing special criminal law and general criminal law. The purpose of this study is to determine the Accountability for Banking Crimes from the Perspective of Criminal Law and Banking Law. Using the Normative Juridical method.The practice or mode of violation of the bank procedure system carried out by bank employees and resulting in banking crimes is carried out with the following characteristi

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Smolo, Edib. "An Overview of Microfinance Sector in Bosnia and Herzegovina: Is There a Room for Islamic Microfinance?" Journal of Islamic Economics, Banking and Finance 7, no. 2 (2011): 85–105. https://doi.org/10.5281/zenodo.14424641.

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Bosnia and Herzegovina (B&H) is a transitional country trying to get back on tracks after the aggression of 1990th. Conventional microfinance industry developed reasonably well during the last fifteen years or so. Five microfinance institutions are among the Top 50 in the World. The number of the institutions providing microfinance services has increased enormously since the mid-‘90th. The laws are implemented and microfinance sector is under the respective banking rules and regulations. With high unemployment rate, which is in range between 2040 percent, the microfinance is a very a

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Regassa, Elsabet. "The Nature, Function, and Independence of the National Bank of Ethiopia: A Comparative Analysis in Light of International Practices." International Journal of Law and Society 7, no. 3 (2024): 93–106. http://dx.doi.org/10.11648/j.ijls.20240703.11.

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A central bank is an autonomous institution that is mainly bestowed with the mandate to ensure the maintenance of price stability by formulating and implementing monetary policy. To fulfill its purposes, the law should make sure that the CB is independent of external influence. Accordingly, the NBE is established to act as the central bank of Ethiopia, empowered to deliver on multiple objectives, including price and exchange stability. Nonetheless, it is evident under its legal framework that the requirements for institutional, functional, and personal independence of the NBE are disregarded.

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Tedde De Lorca, Pedro. "LA BANCA DE EMISIÓN ANDALUZA EN PERSPECTIVA NACIONAL (1856-1914)." Revista de Historia Económica / Journal of Iberian and Latin American Economic History 36, no. 3 (2018): 423–55. http://dx.doi.org/10.1017/s0212610918000095.

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ABSTRACTThis article attempts to establish a quantitative revision of issuing banks created in Andalusia in the middle of nineteenth century founded as a result of liberal banking laws in 1856, comparing with those of similar dimension in other Spanish provinces. Possible causes of their soon extinction are discussed, like the financial worldwide crisis in the 1860s, the monopoly issue granted to the Bank of Spain in 1874 and the specific circumstances of regional banking. The article tries also to evaluate the performance of Bank of Spain branches, since 1875 until 1914, in those Andalusian p

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Mitchener, Kris James, and Matthew Jaremski. "The Evolution of Bank Supervisory Institutions: Evidence from American States." Journal of Economic History 75, no. 3 (2015): 819–59. http://dx.doi.org/10.1017/s0022050715001126.

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We use a novel data set spanning 1820–1910 to assess the factors leading to the creation of formal bank supervisory institutions across American states. We show that it took more than a century for all states to create separate agencies tasked with monitoring the safety and soundness of banks. State legislatures initially pursued cheaper regulatory alternatives, such as double liability laws; however, banking distress at the state level as well as the structural shift from note-issuing to deposit-taking commercial banks and competition with national banks propelled policymakers to adopt costly

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Smith, Andrew. "Continental Divide: The Canadian Banking and Currency Laws of 1871 in the Mirror of the United States." Enterprise & Society 13, no. 3 (2012): 455–503. http://dx.doi.org/10.1017/s1467222700010843.

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In the wake of the 2008 financial crisis, international observers praised the stability of Canada's banks. When financial institutions in the United States and the United Kingdom collapsed, Canada did not experience any bank failures. The World Economic Forum'sGlobal Competitiveness Reportrated Canada's banking system as the most sound in the world. Historically, bank failures have been quite rare in Canada. Some authors argue that the stabilizing features of Canada's financial system were established in the first five years after the creation of the Canadian nation-state in 1867. This paper w

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Alda Alda and Winda Sari. "Aspek Hukum Perlindungan Bagi Nasabah dalam Menghadapi Ancaman Cybercrime Penggunaan Internet Banking." Jurnal Relasi Publik 1, no. 4 (2023): 01–10. https://doi.org/10.59581/jrp-widyakarya.v1i4.1608.

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There are still many legal violations regarding personal data via the internet and also regarding the financial risks suffered by bank customers. There are regulations that protect bank customers who use internet banking from the threat of cyber crime and what legal measures can be taken by bank customers who use internet banking if the customer's personal data is not protected or their personal data is leaked. The research design or structure used by the author in this research is Library Research. There are several laws and regulations that regulate the personal data of customers and also ba

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Ehteshamnejad, Ehsan, and Mahdi Pakzad. "Opportunities and Threats Based on Budget Laws and Strategies for Enhancing the Banking Performance of the Cooperative Development Bank." International Journal of Innovation Management and Organizational Behavior 3, no. 5 (2023): 138–44. http://dx.doi.org/10.61838/kman.ijimob.3.5.17.

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Objective: The objective of this study is to explore the opportunities and threats posed by budget laws on the banking performance of the Tose’e Ta’avon Bank and to propose strategies for enhancing its performance. This research aims to provide a comprehensive understanding of how budget provisions from 2018 to 2023 impact the bank's operations, financial stability, and risk management practices. Methodology: This study employs a qualitative research methodology, combining content analysis of budget laws, financial statements, and expert consultations. The content analysis focuses on budget la

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Collins, J. Michael, Jeff Larrimore, and Carly Urban. "Does Access to Bank Accounts as a Minor Improve Financial Capability? Evidence from Minor Bank Account Laws." Finance and Economics Discussion Series 2021, no. 072 (2021): 1–33. http://dx.doi.org/10.17016/feds.2021.075.

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Banking the unbanked is a common policy goal, but should this include access to bank accounts for minors? This study estimates how teenagers' access to bank accounts affects their financial development. Using variation in state laws, we show policies that permit access to independently-owned accounts increase account ownership at age 16 through age 19, although by age 24 those young adults are banked at similar rates to teens who grew up in states that do not allow minors to own accounts independently. Teens who had access to independently-owned accounts use fewer high-cost alternative financi

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Assari, Elsa. "THE LEGAL STATUS OF DIGITAL BANKS IN INDONESIA." JURISDICTIE 13, no. 2 (2023): 264–93. http://dx.doi.org/10.18860/j.v13i2.16285.

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The bank digital concept is designed so the customer can independently do the transaction, make an online account, get online information, close the account, and so forth. Norm text wise, digital bank is not present in the positive law of banking in Indonesia. So, the problem is about the legal basis of digital banks in the country. The researchers discuss the problem by applying normative juridical method with statute and analytical approaches. The primary law sources are from the laws and regulations, the court’s transcript of proceedings, and the court decision. The secondary sources are pr

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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.

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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 pa

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Duncan, Philippa. "Isolating small Belize banks from the global system." Managerial Finance 45, no. 2 (2019): 263–77. http://dx.doi.org/10.1108/mf-11-2017-0475.

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Purpose The purpose of this paper is to increase insights into the withdrawal of correspondent banks (CBs) from developing markets. Design/methodology/approach A case study of a small offshore bank in Belize was conducted using information collected from the bank’s CEO and compliance officer through semi-structured interviews. The interview data were triangulated with data from relevant laws in Belize and literature review. Findings Compliance with international standards is onerous on small banks, but necessary to level the playing field and protect the global system. Practices within small b

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Handayani, Fitri. "DESIGN AND LEGAL ASPECT OF CENTRAL BANK DIGITAL CURRENCY: A LITERATURE REVIEW." Journal of Central Banking Law and Institutions 1, no. 3 (2022): 509–36. http://dx.doi.org/10.21098/jcli.v1i3.35.

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The development of digitalisation in the financial services sector has compelled Bank Indonesia to develop Central Bank Digital Currency (CBDC). CBDC as a new type of money requires adjustments in terms of applicable laws and regulations. In an attempt to identify the design and legal regulations regarding CBDC, this paper performs a literature review through various related studies carried out internationally and in Indonesia. The novelty of this paper is to apply the rule of law to each selected CBDC design. Based on the study, CBDC design consists of wholesale and retail that can use token

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