Academic literature on the topic 'Banking; budget'

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Journal articles on the topic "Banking; budget"

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Dmytrenko, Emilia. "Current issues of legal regulation of financial relations under the conditions of martial state in Ukraine." Visnik Nacional’nogo universitetu «Lvivska politehnika». Seria: Uridicni nauki 10, no. 37 (2023): 236–44. http://dx.doi.org/10.23939/law2023.37.236.

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The article clarifies the issue of legal regulation of financial relations during martial law in Ukraine. Changes in the powers of the Cabinet of Ministers of Ukraine, the Minister of Finance of Ukraine, the State Treasury Service of Ukraine, the National Bank of Ukraine, the Supreme Commander-in-Chief of the Armed Forces of Ukraine, military administrations, and local bodies during this period were considered. It is justified that the purpose of making changes to the budget legislation is primarily to ensure: priority financing of security and defense expenditures, their increase and redistri
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Rahi, Mohamed Ghali, and Sadiq Toma Rahi Faraj. "The Impact of Financial Crisis in Iraq on Iraqi Banking Performance: Analytical Study." Webology 19, no. 1 (2022): 2397–413. http://dx.doi.org/10.14704/web/v19i1/web19162.

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Financial crises are factors and indicators reflected in banking performance in general, and it is known that the Iraqi economy is a rent economy with distinction. It is undoubtedly suffering from the financial crises associated with the world oil market, meager prices, as 98% of Iraq's budget revenues depend on oil revenues. This research Aims to Find out the reflection of the financial crises on the Iraqi banking performance (2008-2019). It studied the causes of the financial crisis in Iraq and provoked the financial crisis on the performance of the Iraqi banking system and to know the effec
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Ábel, István, and Katalin Mérő. "A bankszabályozás lehetőségei és korlátai az endogén pénzelmélet keretében." Közgazdasági Szemle 71, no. 6 (2024): 604–23. http://dx.doi.org/10.18414/ksz.2024.6.604.

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The article questions whether the current system of bank regulation can guarantee that banks are subject to a hard budget constraint. We use the framework of post-­Keynesian endogenous money theory. Banks deposit loans in companies’ bank accounts, and no external source is needed for the transaction, so banks can in principle create an unlimited amount of money if there is a demand for credit. However, banks’ ability to create money is limited by a number of factors. Using János Kornai’s concept of a soft budget constraint we analyze the factors that cause inherently soft budget constraints fo
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Manea, Miruna Ioana, and Laura Marcu. "Coordination of Communication Budget with Marketing Objectives in the Banking Sector." Valahian Journal of Economic Studies 14, no. 2 (2023): 73–86. http://dx.doi.org/10.2478/vjes-2023-0017.

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Abstract The paper discusses the problem of establishing the communication budget in one of the most active sectors regarding marketing communication, the banking one. Firstly, we highlight the particularities of communication in the banking sector, based on the results presented in the specialized literature. The functions of marketing communication and the communication process are applied to the specifics of banking institutions and the main communication models that banks can use are indicated, depending on the objectives pursued. Also, the main means of banking communication and how they
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Siregar, Seftia Fadillah, and Muhammad Yarham. "Penerapan Pengelolaan Sumut Mobile dalam Menarik Minat Nasabah Bank Sumut Cabang Syariah Padangsidimpuan." Jurnal Perbankan Syariah 2, no. 2 (2023): 38–45. http://dx.doi.org/10.20414/jps.v2i2.8810.

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The presence of mobile nowadays makes financial management very easy and if we use it correctly we will experience enormous benefits. This can be seen by the Mobile Banking System which can help organized financial management, so that financial problems do not accour. Apart from that, using Mobile Banking can also make it easier to check account mutations, from which you can calculate how much funds you need. Apart from that, in checking mutations, there is also a processo fevaluating the result of budget recording within a certain period of time. So you will know about the budgets that have b
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Comín, Francisco, and Joaquim Cuevas. "THE DEADLY EMBRACE BETWEEN THE BANKS AND THE STATE IN SPAIN, 1850-2015." Revista de Historia Económica / Journal of Iberian and Latin American Economic History 35, no. 3 (2017): 387–414. http://dx.doi.org/10.1017/s0212610917000106.

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AbstractThis paper focusses on the financial relations between the banking sector and the Treasury in Modern Spain. Tax systems have been insufficient, generating a chronic budget deficit. This drove to irresponsible public debt management, being the State a serial defaulter until 1987. This prevented the budget deficits could be financed by sovereign debt issued on the stock exchanges, and forced the state to resort to banks (public and private). The new series of public debt banks portfolios evolution is explained by their pursuit of returns and by changes in banking regulation and financial
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Ábel, István, and Katalin Mérő. "Endogenous money, soft budget constraint and the banking regulation." Acta Oeconomica 73, S1 (2023): 99–118. http://dx.doi.org/10.1556/032.2023.00036.

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AbstractA key observation of the endogenous money theory is that banks create deposits (money) by lending. This means that banks apparently face soft budget constraint in responding to demand for credit. However, there are several limiting factors, which can make the banks' money creation somewhat constrained, and can thus harden their budget constraint. Such factors include the need to preserve banks' profitability and the bank regulations (the capital and liquidity requirements). Previous literature on soft budget constraint (SBC) in banking mentioned government bailouts, central banks lende
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Berglof, Erik, and Gérard Roland. "Soft Budget Constraints and Banking in Transition Economies." Journal of Comparative Economics 26, no. 1 (1998): 18–40. http://dx.doi.org/10.1006/jcec.1997.1510.

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Tuyu, Anjeli Raysa, Harijanto Sabijono, and Steven J. Tangkuman. "Prosedur anggaran biaya operasional sebagai alat pengendalian laba pada PT. Bank SULUT GO KCP Ranotana." Manajemen Bisnis dan Keuangan Korporat 3, no. 2 (2025): 339–51. https://doi.org/10.58784/mbkk.339.

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The banking sector is vital to a country's economic growth. Effective profit control is essential for improving profitability and ensuring business sustainability. The study will examine the procedures for preparing operating cost budgets as a tool for profit control at PT Bank SulutGo KCP Ranotana. We used a descriptive qualitative method, focusing on the budgeting process in relation to profit control mechanisms. The results indicate that: Budgets are prepared several months before the fiscal year begins to ensure readiness. Superiors prepare and communicate the budget for each period to emp
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ZAICHKO, I. "Theories and Methods Involved in the Interpretation and Assessment of the Financial Security of the State in the Context of Socio-Economic Transformation." Scientific Bulletin of the National Academy of Statistics, Accounting and Audit, no. 4 (November 3, 2021): 86–96. http://dx.doi.org/10.31767/nasoa.4-2020.10.

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Theoretical and methodological tools for determining and assessing financial security have been deepened. An analysis of the publications of Ukrainian scholars on approaches to the interpretation of the concept of “financial security”, including the definition of components of financial security, which shows that most often it is allocated to budget security. A matrix of approaches to determining the components of financial security. The essence and nature of budget security are determined, it is shown that budget security is the main component of financial security, which indicates the import
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Dissertations / Theses on the topic "Banking; budget"

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Jue, Wang. "Soft-budget constraints, ownership structure and banking in China." Thesis, University of Macau, 2006. http://umaclib3.umac.mo/record=b1637005.

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Bang, Kisun. "Central bank independence, budget deficits, seigniorage and inflation /." free to MU campus, to others for purchase, 1998. http://wwwlib.umi.com/cr/mo/fullcit?p9924863.

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Albertazzi, Ugo. "Essays in banking." Doctoral thesis, Universite Libre de Bruxelles, 2011. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209878.

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Cette thèse contient trois études sur le fonctionnement des banques.<p>Le premier Chapitre analyse empiriquement comment la capacité d’offrir des emprunts à long terme est influencée par la dimension des intermédiaires financiers.<p>Le deuxième Chapitre analyse, avec un model théorique caractérisé par la présence de soft-budget constraint, ratchet effect et short-termism, comment la pression compétitive influence la capacité des banque de financer le firmes ayant des projets de bonne qualité.<p>Le troisième Chapitre examine, avec un model théorique du type moral hazard common agency, le confli
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Радченко, О. В. "Фактори впливу на оптимальний розподіл бюджету маркетингових комунікацій банку". Thesis, Українська академія банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63971.

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У період конкурентного розвитку ринку банківських послуг все частіше банки намагаються ефективно розподіляти власні кошти. У першу чергу банки відмовились від маркетингових витрат, що спричинило хвилю зниження рівня прибутків. Незважаючи на те, що були скорочені витрати, ті збутові функції, які виконували маркетингові комунікації, нічим не були замінені, і рівні продажів значно впали. Тому на сьогоднішній день під час формування та/чи оптимізації вже існуючого бюджету банку необхідно використовувати взаємодії між елементами маркетингу та притримуватися точки зору, що інтегрований ефект від мар
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Зайцев, Олександр Васильович, Александр Васильевич Зайцев, Oleksandr Vasylovych Zaitsev та Д. В. Богомаз. "Особливості управління економікою національного господарства". Thesis, Сумський державний університет, 2019. http://essuir.sumdu.edu.ua/handle/123456789/73791.

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У тезах студентського повідомлення говориться про об'єкти державного регулювання, що пов'язані з державним бюджетом, державною банківською системою та державним сектором економіки.<br>В тезисах студенческого сообщения говорится об объектах государственного регулирования, связанных с государственным бюджетом, государственной банковской системой и государственным сектором экономики.<br>In the theses of the student's report is objects in state regulation related to the state budget, the state banking system and the state economic sector.
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Elias, Neto Jose. "Beyond budgeting : percep????es e adaptabilidade ao varejo banc??rio brasileiro : estudo de caso." FECAP - Faculdade Escola de Com??rcio ??lvares Penteado, 2007. http://132.0.0.61:8080/tede/handle/tede/446.

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Made available in DSpace on 2015-12-03T18:35:08Z (GMT). No. of bitstreams: 1 Jose_Elias_Neto.pdf: 1970104 bytes, checksum: cb3e307cf4aaa1927847fd969d7585b2 (MD5) Previous issue date: 2007-09-06<br>This work is a product of research developed over Brazilian financial market, specifically a big retail bank, where was investigated managers perceptions about budgeting process and behaviors. There are presented Beyond Budgeting principles and analyses if it's applied to the institution. The subject is not familiar to Brazilian companies. It's an alternative management model, without budgeting pro
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Зайцева, І. П. "Взаємозв'язок ризик-менеджменту та бюджетування в банківській діяльності". Thesis, Українська академія банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63794.

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Здійснено обгрунтування взаємозвязку ризик-менеджменту бюджетування в банківській діяльності. Розглянуто особливості управління ризиками на кожному етапі бюджетного процесу.<br>Interrelation of risk management in banking budgeting is justified. The features of risk management at each stage of the budget process are considered.
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Гузь, М. М. "Застосування програмно-цільового підходу при складанні бюджету маркетингових комунікацій банку". Thesis, Тернопіль, 2009. http://essuir.sumdu.edu.ua/handle/123456789/62776.

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У доповіді розглянуто основні особливості застосування програмно-цільового підходу при складанні бюджету маркетингових комунікацій банку.<br>The main features of using a program-target approach to form a marketing communication budget of bank are determined in the report.
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Гузь, М. М. "Управління маркетинговими комунікаціями банківських операцій". Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/51349.

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Дисертацію присвячено дослідженню теоретичних, методичних та практичних питань щодо управління маркетинговими комунікаціями банківськими установами України для просування банківських послуг на ринку. В роботі набули подальшого розвитку поняття «маркетингові комунікації» та «маркетингові комунікації банківських операцій». Систематизовано інструменти маркетингових комунікацій, розширено їх перелік та обґрунтовано доцільність їх використання в банківській діяльності. Визначено концептуальні засади побудови системи управління МК банку на основі аналізу впливу факторів зовнішнього та внутрішнього
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Bateman, William. "Parliamentary control of public money." Thesis, University of Cambridge, 2018. https://www.repository.cam.ac.uk/handle/1810/286229.

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This dissertation analyses the idea that parliament controls public money in parliamentary constitutional systems of government. That analysis proceeds through an historical and contemporary examination of the way legal practices distribute authority over public money between different institutions of government. The legislative and judicial practices concerning taxation, public expenditure, sovereign borrowing, and the government financing activities of central banks are selected for close attention. The contemporary analysis focuses on the design and operation of those legal practices in the
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Books on the topic "Banking; budget"

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Banks, New York (State) Legislature Assembly Standing Committee on. Hearing on Banking Department budget oversight, to evaluate and provide oversight for programs run by the Banking Department. EN-DE Reporting, 2005.

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New York (State). Legislature. Assembly. Standing Committee on Banks. Public hearing, Banking Department budget oversight to evaluate and provide oversight for programs run by the Banking Department. En-De reporting, 2006.

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Kaplan, Hasan Hüseyin. Openness to change and budgetary control in Turkish banks. Capital Markets Board of Turkey, 1997.

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Strelʹt͡sova, N. T. Finansy i banki v uslovii͡akh perestroĭki ėkonomiki. IĖ i OPP SO RAN, 1999.

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Schwarzbauer, Florian. Modernes Marketing für das Bankgeschäft: Mit Kreativität und kleinem Budget zu mehr Verkaufserfolg. Gabler, 2009.

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Poland. Teksty ustaw do nauki prawa finansowego: Stan prawny na 1 września 1993 r. Wydawn. Uniwersytetu Wrocławskiego, 1993.

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Rodríguez, Carlos A. Economic consequences of quasi-fiscal deficits. C.E.M.A., 1993.

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Asadov, A. M. Kosvennye (oposredovannye) pravovye otnoshenii︠a︡: Voprosy metodologii i znachenie v finansovoĭ dei︠a︡telʹnosti gosudarstva. Norma, 2013.

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Vietnam. Các văn bản hướng dã̂n thi hành Luật Ngân sách Nhà nước, Luật Ngân hàng Nhà nước, Luật các tỏ̂ chức tín dụng. Nhà xuá̂t bản Thó̂ng kê, 2000.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Financial Institutions Equity Act of 1985: Report (to accompany H.R. 20) (including cost estimate of the Congressional Budget Office) together with additional, separate, and supplemental views. U.S. G.P.O., 1985.

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Book chapters on the topic "Banking; budget"

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Yanagawa, Noriyuki. "Liquidity Demand of the Corporate Sector and Soft Budget Constraint." In Banking, Capital Markets and Corporate Governance. Palgrave Macmillan UK, 2001. http://dx.doi.org/10.1057/9780230288140_2.

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Postma, J. K. T. "Control and Management of Government Expenditure: Institutional structure of budget decision-making." In Essays on Money, Banking, and Regulation. Springer US, 1996. http://dx.doi.org/10.1007/978-1-4613-1263-5_3.

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Husz, Orsi. "Making Finance Familiar: Gender and the Domestication of Banks." In Palgrave Studies in Economic History. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-77653-3_3.

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Abstract This chapter highlights the new involvement of banks in family life, through the prism of gender and domesticity. I analyse bank adverts and campaigns directed at women, especially a recurring campaign by Handelsbanken for housewives in the 1960s. Interpreting these events as performances of the marketisation of domestic money and of the domestication of banking services, I argue that by playing on emotions, family life, consumerism and, literally, everydayness, the campaigns mobilised femininity to domesticate a new financial mindset—for women and men alike. The bank presented itself
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Ukhriyawati, Catur Fatchu, Setyawan Radytia Al Ghifari, and Rahmi Yuliana. "The Effect of Budget Participation, Asymetric Information, Budget Employment and Motivation on the Budgetary Slack on Hotels in Batam City During the Covid-19 Pandemic." In Proceedings of the International Conference on Business, Accounting, Banking, and Economics (ICBABE 2022). Atlantis Press International BV, 2023. http://dx.doi.org/10.2991/978-94-6463-154-8_13.

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Díaz-Bonilla, Eugenio. "Financing SDG2 and Ending Hunger." In Science and Innovations for Food Systems Transformation. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-15703-5_35.

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AbstractThis chapter focuses on innovation in mechanisms to finance the transformation of food systems to end hunger by 2030 and achieve SDG2. The key questions analyzed are: given the estimated costs involved in the transformation of food systems to achieve zero hunger, (1) What are the financing options available? (2) What is their quantitative availability? and (3) How to mobilize/reallocate the potential sources of finance? The concepts proposed here include international development finance, public budgets, banking, and capital markets at the global and national levels. A robust pipeline
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"Political Budget Cycles." In Banking on Democracy. The MIT Press, 2013. http://dx.doi.org/10.7551/mitpress/9261.003.0007.

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Santiso, Javier. "Political Budget Cycles." In Banking on Democracy. The MIT Press, 2013. http://dx.doi.org/10.7551/mitpress/9780262019002.003.0005.

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"Art. 58 SRMR Budget Andreas Witte." In European Banking Union, edited by Jens-Hinrich Binder, Christos V. Gortsos, Klaus Lackhoff, and Christoph Ohler. Nomos Verlagsgesellschaft mbH & Co. KG, 2022. http://dx.doi.org/10.5771/9783845278483-1023.

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"Art. 61 SRMR Establishment and implementation of the budget Andreas Witte." In European Banking Union, edited by Jens-Hinrich Binder, Christos V. Gortsos, Klaus Lackhoff, and Christoph Ohler. Nomos Verlagsgesellschaft mbH & Co. KG, 2022. http://dx.doi.org/10.5771/9783845278483-1041.

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"Art. 60 SRMR Part II of the budget on the Fund Andreas Witte." In European Banking Union, edited by Jens-Hinrich Binder, Christos V. Gortsos, Klaus Lackhoff, and Christoph Ohler. Nomos Verlagsgesellschaft mbH & Co. KG, 2022. http://dx.doi.org/10.5771/9783845278483-1035.

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Conference papers on the topic "Banking; budget"

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Meinen, Peter, and Jürgen Overhoff. "Banking IT Consolidation in Time and on Budget." In 2009 13th European Conference on Software Maintenance and Reengineering. IEEE, 2009. http://dx.doi.org/10.1109/csmr.2009.11.

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Jaafar, Shuhaimi, Nor Suhaily Bakar, and Awaluddin Norsuriana. "A Descriptive Study on Awareness and Knowledge of Small Business Budget in Selangor." In International Conference on Economics and Banking. Atlantis Press, 2015. http://dx.doi.org/10.2991/iceb-15.2015.59.

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Taifi, Moussa. "Banking on Decoupling: Budget-Driven Sustainability for HPC Applications on EC2 Spot Instances." In 2012 IEEE 31st International Symposium on Reliable Distributed Systems (SRDS). IEEE, 2012. http://dx.doi.org/10.1109/srds.2012.11.

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Saigashkin, Yan Valeryevich, and Dmitry Alexandrovich Karev. "PROBLEMS OF FORMATION OF THE PRINCIPLES OF TAX, BANKING, BUDGET AND ISSUE LAW." In РОССИЙСКАЯ НАУКА: АКТУАЛЬНЫЕ ИССЛЕДОВАНИЯ И РАЗРАБОТКИ. Самарский государственный экономический университет, 2021. http://dx.doi.org/10.46554/russian.science-2021.09-2-297/302.

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Rusmiyatun. "Analysis of Budget Shifts and Realization of School Finances During the Covid-19 Pandemic in Purworejo Regency in 2020." In The 3rd International Conference on Banking, Accounting, Management and Economics (ICOBAME 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.210311.003.

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Soleiman, Iriany Dewi, and Sabra B. Wahab Thalib. "The Effect of Budget Participation on Managerial Performance with Organizational Commitment and Motivation as Moderating Variables (Empirical Study at the Local Government Work Unit Office of Ende Regency)." In The 3rd International Conference on Banking, Accounting, Management and Economics (ICOBAME 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.210311.008.

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Yehorov, Igor, and Yaroslav Kotlyarevskyy. "Revising the Prospects of Digitalization in the Context of Improving the Information Base for Mid-Term Budget Expenditures on Research and Development in Ukraine." In International Conference on Business, Accounting, Management, Banking, Economic Security and Legal Regulation Research (BAMBEL 2021). Atlantis Press, 2021. http://dx.doi.org/10.2991/aebmr.k.210826.001.

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Savić Božić, Dijana. "JAVNO – PRIVATNO PARTNERSTVO U REPUBLICI SRPSKOJ." In 14 Majsko savetovanje. University of Kragujevac, Faculty of Law, 2018. http://dx.doi.org/10.46793/xivmajsko.697sb.

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Countries in transition use various ways to attract foreign investors. PublicPrivate Partnership (PPP) is one of the possible models of investment that provides local governments with the opportunity to get various infrastructure facilities, without using budget funds. PPP is identified as a new, powerful and very efficient way of financing which has not yet been sufficiently developed in Republika Srpska. Since public revenues are largely insufficient to accomplish many projects, the implementation of new resources and the structural capacities of private and banking sectors is needed. Thus,
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9

Karluk, S. Rıdvan. "Effects of Global Economic Crisis on Kyrgyzstan Economy and Developments in Economic Relations between Turkey and Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2011. http://dx.doi.org/10.36880/c02.00239.

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The global crisis which started in September 2008 adversely affected many global economies and also Kyrgyzstan economy. Kyrgyzstan economy which declined and experienced a severe recession in 2009 due to the crisis started recovering from the adverse effects of the crisis after 2010. What lie beneath this positive development is increased foreign exchange revenues abroad and vigor experienced in construction industry and industrial production. The recovery experienced in economies of Russia and neighbor Kazakhstan resulted in increased exports and thus increased revenues in foreign currencies
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10

Pruteanu, Mariana. "Financial risk management mechanisms in the field of budgetary and fiscal relations in the context of digital transformations of the budgetary process." In Economic Security in the Context of Systemic Transformations, 3rd Edition. Academy of Economic Studies of Moldova, 2024. http://dx.doi.org/10.53486/escst2023.11.

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The digital transformation of all spheres of the contemporary social-economic reproduction process, accentuated by the COVID-19 pandemic, has gained unprecedented scope in the last period of time. Remote work, e-commerce and online banking have become quite common in people's daily lives. Contemporary systemic transformations have amplified the penetration of digital tools in the private sector of the world's states, but in the public sector of national economies. The purpose of the article is to analyze the impact of digital transformations on the national budgetary and fiscal field in order
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Reports on the topic "Banking; budget"

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Perkey, David W., Anthony M. Priestas, Jeffrey M. Corbino, et al. Sediment Provenance Studies of the Calcasieu Ship Channel, Louisiana : A Synopsis Report. U.S. Army Engineer Research and Development Center, 2022. http://dx.doi.org/10.21079/11681/44905.

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To maintain the navigability of the Calcasieu Ship Channel (CSC), the US Army Corps of Engineers annually dredges millions of cubic yards of sediment from the inland channel. To assess sources of channel shoaling, a previous study examined river and bankline erosion as inputs. Results from that study accounted for approximately 20% of dredged volumes. Through the support of the Regional Sediment Management Program, a follow-up investigation reviewed prior sediment budgets, identified potential missing sediment sources, modeled potential sediment pathways, and utilized geochemical fingerprintin
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Schelsky, Wendy, Kimberly Burkwald, Dusty Swedberg, and Mason Dillard. Endangered Species Mitigation Needs Assessment. Illinois Center for Transportation, 2024. http://dx.doi.org/10.36501/0197-9191/24-004.

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The Illinois Department of Transportation, like most other state transportation agencies, must undergo an environmental review for each transportation project. IDOT identified several challenges that involve regulatory and implementation of federal and state laws protecting threatened and endangered species. We evaluated each state’s environmental review process as it pertained to statutes governing state imperiled species (i.e., threatened, and endangered, rare, or otherwise imperiled). Our recommendations from this review of what other state transportation and natural resource agencies have
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Delbridge, Victoria. Enhancing the financial position of cities: Evidence from Hargeisa. UNHabitat, 2022. http://dx.doi.org/10.35489/bsg-igc-wp_2022/4.

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The City of Hargeisa, despite being in the very early stages of enhancing its financial position, has achieved significant reform in just a few years since its democratic establishment in 2002. The successes achieved are even more remarkable, considering the fragile context of Somaliland after 30 years of civil war within Somalia, which left widespread destruction and devastation in the city. This is compounded by Somaliland’s lack of recognition as a sovereign state by the international community. The case provides an illustrative example of leveraging urbanisation to raise municipal revenues
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