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Journal articles on the topic 'Banking lending'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Nyangara, Davis. "SME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabwe." World Review of Business Research 3, no. 4 (2013): 219–30. https://doi.org/10.5281/zenodo.2548341.

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This paper examines and tests the claim that bank lending technologies are responsible for the low volume of lending to SMEs in Zimbabwe. Based on a survey of directors of SMEs and bank lending officers, tests are conducted to determine if there is any evidence of discrimination against SMEs based on age, management, size, and information attributes. The study reveals that application of uniform lending criteria to SMEs and large corporates does not result in discrimination against SMEs based on age, size, management, or information attributes. Based on this evidence, the study submits that di

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2

Kumwenda, Thomson, Ronald Mangani, Jacob Mazalale, and Exley Silumbu. "The impact of adopting Basel III liquidity coverage ratio, stable funding ratio, and leverage ratio on lending in the Malawian banking sector." Journal of Accounting, Business and Finance Research 18, no. 1 (2024): 1–11. http://dx.doi.org/10.55217/102.v18i1.748.

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This paper examines the impact of adopting Basel III Liquidity Coverage Ratio, Stable Funding Ratio, and Leverage Ratio on lending in the Malawian banking sector. Malawi’s banking industry regulators are planning to transition to Basel III from the current Basel II regime. This paper pioneers an assessment of the implications of this move for the banking industry. The study uses monthly data for the period January 2010 to December 2022, the Feasible Generalised Least Square (FGLS) Panel Regression model with bank-specific variables (X) and macroeconomic controls (Z). The study finds that Tier

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3

Donald, L. Buresh Ph.D. Esq. "Essays on Open Banking, Account Portability, Digitizing a Bank, Crypto Lending, and Social Commerce." International Journal of Social Science and Human Research 07, no. 12 (2024): 9399–417. https://doi.org/10.5281/zenodo.14564517.

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This Paper Discusses Five Topics: Open Banking, Account Portability, Bank Digitization, Crypto Lending, And Social Commerce. In The First Section, Open Banking Is Defined, How Open Banking Works Is Described, The Advantages And Disadvantages Of Open Banking Are Highlighted, And Regulations And Open Banking Are Outlined. The Second Section Examines Account Portability. First, It Is Defined, And Its Characteristics Are Listed. Consumer Empowerment And Liquidity Risks Are Considered. The Fall Of Silicon Valley Bank And Signature Bank Are Then Reviewed. The Third Section Appraises Bank Digitizatio

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4

Patil, Surekha Subhas. "Impact of Lending Practices on the Adoption of Green Banking Practices for the Sustainable Development." Royal International Global Journal of Advance and Applied Research 1, no. 1 (2024): 1–5. https://doi.org/10.5281/zenodo.12800128.

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<strong><u>Abstract</u></strong>    <em>The adoption of green banking practices for sustainable development is a pivotal focus in today's financial landscape. This abstract aims to explore the impact of lending practices on the integration and proliferation of green banking initiatives. Lending practices wield significant influence on the adoption of green banking principles within financial institutions. The relationship between lending decisions and sustainable initiatives is multifaceted, impacting not only the financial sector but also broader environmental and societal spheres.

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KHALIL, ULLAH MOHAMMAD, and RAZA KHAN MOHSIN. "EFFECTIVENESS OF GREEN PROJECT SCREENING FOR BANK LENDING: EVIDENCE FROM PAKISTAN." Bulletin of Business and Economics (BBE) 11, no. 1 (2022): 93–103. https://doi.org/10.5281/zenodo.6361352.

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The banking sector is under huge pressure from its different shareholders to carry out its business in ethical ways. Globally greening banking policies are being introduced to encourage green lending. Central bank regulation and policy guidelines positively impact the bankers’ intention to adopt green banking.   This study investigates the impact of green banking policy on the lending of Pakistani banks.  Using an unbalanced panel of bank-level quarterly data of listed banks in the PSX from 2016 to 2021, a System Generalized Method of Moments (GMM) analysis is carried out.

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6

Vangjel, Rovena, and Enida Istrefi. "Relationship Lending Within Banking and Non-Banking Institutions." International Journal of Advanced Studies of Economics and Public Sector Management 13, no. 1 (2025): 22–31. https://doi.org/10.48028/iiprds/ijasepsm.v13.i1.02.

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The purpose of this paper is to analyze the development of the financial system in Albania, how banks and non-banks financial institutions are developed. Albanian financial system is considered bank-based system considering it high concentration of banking shares to the total market. Considering this, financial institutions are the most trustworthy sector where Albanian borrowers use to borrow between banks and non-banks financial institutions. Important sector as hotels, trade, followed by industries and building sector choose banks for their financing. Since markets are not well developed in

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7

Goryainova, Maria A. "TRENDS IN THE DEVELOPMENT OF CORPORATE LENDING EFFICIENCY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/4, no. 147 (2024): 251–56. http://dx.doi.org/10.36871/ek.up.p.r.2024.06.04.032.

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This article presents the definition and essence of corporate lending, as well as its impact on the Russian banking sector. The analysis of corporate lending for several periods, where there were serious shocks to the national economy, including the banking sector, was carried out. The detailed dynamics of corporate lending volumes for 2023 is presented and evaluated, and relevant conclusions are drawn that, despite the gradual recovery of the banking sector, there are still shortcomings and problems in the development and effectiveness of corporate lending.

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Papi, Luca, Andrea Presbitero, and Alberto Zazzaro. "IMF Lending and Banking Crises." IMF Working Papers 15, no. 19 (2015): 1. http://dx.doi.org/10.5089/9781484308691.001.

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9

Cull, Robert, Stephen Haber, and Masami Imai. "Related lending and banking development." Journal of International Business Studies 42, no. 3 (2011): 406–26. http://dx.doi.org/10.1057/jibs.2011.1.

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10

Peña, Guillermo. "Money, Lending and Banking Crises." Economic Papers: A journal of applied economics and policy 36, no. 4 (2017): 444–58. http://dx.doi.org/10.1111/1759-3441.12195.

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11

Papi, Luca, Andrea F. Presbitero, and Alberto Zazzaro. "IMF Lending and Banking Crises." IMF Economic Review 63, no. 3 (2015): 644–91. http://dx.doi.org/10.1057/imfer.2015.16.

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12

Moshurovskyi, Oleksandr. "Banking mortgage lending: barriers and development pathways." Market Relations Development in Ukraine 238, no. 12(283) (2025): 213–21. https://doi.org/10.5281/zenodo.15039536.

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Relevance of the research topic. Mortgage lending is an important tool for addressing socialissues, particularly ensuring citizens have access to housing. The war has caused the destruction of thehousing stock, forced displacement of people, and deterioration of their financial situation, making accessto mortgage loans more difficult. In the face of these challenges, developing support mechanisms formortgage lending is critically important for economic recovery and overcoming the housing crisis. Statepolicy in this area can play a key role in rebuilding housing, attracting investment in constr

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13

Лычева, Irina Lycheva, Молчанова, and Vera Molchanova. "IMPROVING CONSUMER LENDING MODEL CLIENTS." Bulletin of Belgorod State Technological University named after. V. G. Shukhov 2, no. 1 (2016): 245–49. http://dx.doi.org/10.12737/23353.

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The dynamism of the ongoing reforms in the domestic banking sector, one way or another, concerns the relationship of banks with their clients. The customer base responds differently to the reform of the banking system: there is a category of clients who do not take the action of the Central Bank of the Russian Federation, they argue that the monopoly of state-owned banks will lead to a deterioration of service, reduction in quality of banking products and riskiness of banking operations. But there is another category of customers who are positive about the changes and consider increasing the s

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14

ГОРЯЙНОВА, М. А. "INTERNATIONAL CORPORATE LENDING EXPERIENCE." Экономика и предпринимательство, no. 2(151) (May 31, 2023): 1310–13. http://dx.doi.org/10.34925/eip.2023.151.2.264.

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В данной статье рассмотрены особенности финансово-кредитного механизма поддержки предприятий в зарубежных странах. Важным аргументом в пользу предоставления кредита корпоративным банковским клиентам является развитие прочных отношений с целью обеспечения будущих инвестиционно-банковских возможностей. На основе теоретических и практических данных рассмотрены особенности банковской кредитной политики и практики кредитования в развитых странах. This article discusses the features of the financial and credit mechanism for supporting enterprises in foreign countries. An important argument in favor

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15

Kurovsky, Stanislav V., Denis A. Mishin, Nikita A. Stryukov, Anastasia M. Kashirina, and Olga L. Kozlova. "RESEARCH OF DEVELOPMENT OF RUSSIAN ENTERPRISES OF THE BANKING INDUSTRY UP TO 2026." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4/13, no. 157 (2025): 30–40. https://doi.org/10.36871/ek.up.p.r.2025.04.13.005.

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The article is devoted to the study of the development of Russian banking industry enterprises until 2026. The relevance of the research topic is related to the fact that in 2022 the Russian economy faced significant internal and external shocks. This had a negative impact on the development of Russian banking industry enterprises and the growth of bank lending. Nevertheless, in 2023–2024, there was a gradual recovery in the economic activity of citizens and the business and investment activity of companies in various industrial sectors. The purpose of the study is to formulate the features of

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16

Zengin, Bekir, and Mehmet Sinan Çelik. "Stability, Profitability, and Liquidity: How Fintech Lending Effects the Banking Trifecta." Yönetim ve Ekonomi Dergisi 32, no. 2 (2025): 191–205. https://doi.org/10.18657/yonveek.1640757.

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Currently, the effects of developments in financial technology are among the topics of intense interest to researchers. Whether fintech will be supportive or disruptive for the banking system is still widely debated. The impact of technologically advanced credit systems on the traditional banking system, especially on the stability and performance of the banking system, remains a controversial issue in the literature. Accordingly, the impact of fintech lending on various indicators in the banking sector is investigated. For this purpose, various results are obtained using the 22 MSCI Emerging

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17

Urazova, Svetlana. "Sustainable banking and possibilities of its application in case of agricultural credit support: world experience and prospects for the Russian Federation." E3S Web of Conferences 175 (2020): 13026. http://dx.doi.org/10.1051/e3sconf/202017513026.

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The article describes the features of bank lending to agriculture, taking into account the focus on achieving sustainable development goals, based on world experience synthesis in the application of sustainable banking, including agricultural lending, recommendations were developed aimed at developing bank lending to agriculture in the Russian Federation based on the ideas of sustainable banking.

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18

Belova, Nadezhda, Elena Posadneva, Julia Plaksa, Andrey Tesalovsky, and Elena Volkodavova. "Opportunities of green lending to finance environmental projects to achieve the principles of sustainable development." Journal of Law and Sustainable Development 11, no. 1 (2023): e0268. http://dx.doi.org/10.37497/sdgs.v11i1.268.

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Objective: The transition to the green economy is a critical aspect of sustainable development, which requires significant investment flows in low-carbon infrastructure. This transition is being considered by central banks and public and private banking institutions. Methods: The article analyzes the essence of green bank lending, describes the characteristics and features of its use, and evaluates the structure of green lending. Results: The study has identified the main obstacles to green lending and the main priorities of banking institutions involved in the development of green

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19

Hardayu, Audisty Prana, Nur Afifah, and Mustaruddin. "The Rising Popularity of Online Lending in Indonesia: The New Opportunities for Banks (Push-Pull Mooring Perspective)." Asian Journal of Economics, Business and Accounting 24, no. 6 (2024): 523–39. http://dx.doi.org/10.9734/ajeba/2024/v24i61379.

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Background and Purpose: Fintech lending, also known as online lending, has experienced fast growth in Indonesia in recent years through digital platforms. Online lending is supplanting the financial intermediation function hitherto predominantly held by banks. This study examines the factors influencing Indonesians' inclination to transition from traditional banking services to online lending. It seeks to understand the appeal of online lending, which has enabled it to supplant Indonesian banks in financial intermediation, employing the Push-Pull Mooring theory. Methodology: This study used a

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20

Khalatur, Svitlana, Kateryna Zhylenko, Yuliia Masiuk, Liudmyla Velychko, and Mykola Kravchenko. "Assessment of bank lending diversification in Ukraine." Banks and Bank Systems 13, no. 3 (2018): 141–50. http://dx.doi.org/10.21511/bbs.13(3).2018.14.

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At the present stage, commercial banks conduct their activities under constantly changing general economic, social and political conditions, which influence the reliability and efficiency of banking institutions performance. Nowadays, the problems of comprehensive assessment of the efficiency of main banking operations as well as the reliability of the Ukrainian banking system became relevant.The purpose of the paper is to study the current state and diversification of bank lending in Ukraine, the problems that arise in the national economy due to the deteriorating performance of the banking s

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21

Byvshev, V. A., and E. I. Meshkova. "Banking Sector Lending Activity Stimulation to Promote Economic Growth." Finance: Theory and Practice 28, no. 6 (2025): 49–58. https://doi.org/10.26794/2587-5671-2024-28-6-49-58.

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The subject of the study is the banking sector credit activity in Russia and the factors that determine it. The relevance is due to the fact that the changed external political and macroeconomic conditions, the growing role of the banking sector in economic development challenge researchers to determine ways to stimulate bank lending activity. The purpose of the study is to identify measures to stimulate bank lending activity. Scientific novelty includes the identification of the factors influencing the lending activity of banks. The research methodology is based on statistical modeling using

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22

Gulimbetova, R. U., N. S. Nurkasheva, and M. D. Zhumabayeva. "BANK LENDING IN CONDITIONS OF GLOBAL FINANCIAL INSTABILITY: THE CASE OF KAZAKHSTAN." Central Asian Economic Review, no. 4 (November 14, 2024): 122–33. http://dx.doi.org/10.52821/2789-4401-2024-4-122-133.

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Purpose of the study. The purpose of the scientific article is to consider the importance and features of the application of the main technologies of the lending process in domestic second-tier banks in the conditions of instability and uncertainty of modern world financial and economic relations.Methodology. In the course of the study, general scientific methods, literature review, analysis, synthesis, deduction, classification, systematic approaches are used.Originality / value of the study. The banking system of the Republic of Kazakhstan, according to European and international experts, is

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23

Вавдіюк, Н. С., and Н. І. Корецька. "BANKING MANAGEMENT OF LENDING OF THE NATIONAL ECONOMY." Економічні науки. Серія "Регіональна економіка", no. 19(75) (December 28, 2022): 6–16. http://dx.doi.org/10.36910/2707-6296-2022-19(75)-1.

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The article examines the process of managing the crediting of the national economy and establishes that, in wartime, bank lending is not sufficiently capable of activating positive economic processes. However, with the aim of possible stimulation of lending, strategies for managing the lending process and tools for their implementation are proposed

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24

Balnaves, Mark. "The Australian Finance Sector and Social Media: Towards a History of the New Banking." Media International Australia 143, no. 1 (2012): 132–45. http://dx.doi.org/10.1177/1329878x1214300115.

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The names iGrin and Lending Hub might not raise eyebrows, but they are the first peer-to-peer lending companies in Australia's internet history. Peer-to-peer lending is a new category of lending organisation – a part of the new banking distribution layer – that provides alternative ways of organising the relationship between borrower and lender, alternative ways of distributing money and alternatives ways of making decisions about finance using social networks. Its ethos is mutual aid, crowd funding, collaborative consumption, social lending and social sharing, moving away from traditional ban

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25

Kohardinata, Cliff, Luky Patricia Widianingsih, Nicklaus Stanley, Yopy Junianto, Anastasia Filiana Ismawati, and Evi Thelia Sari. "P2P lending and banking credit for MSMEs and Non-MSMEs after COVID-19 pandemic: Does it matter?" Decision Science Letters 13, no. 1 (2024): 225–36. http://dx.doi.org/10.5267/j.dsl.2023.9.004.

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This paper proposes an original view to determine the effect of P2P loans on MSME and non-MSME bank loans after the COVID-19 pandemic as a whole and then focuses on the island of Java (more developed areas) and outside Java (areas which are still undeveloped). The approach used in this study uses panel data regression from 33 provinces in Indonesia during Jan-Dec 2022 after the COVID-19 pandemic. The results of this study confirm that P2P lending is not a disrupter for bank credit, the details of the results are: (1) P2P lending has a significant positive effect on overall MSME banking credit,

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M.S. Choi, Paul, and Seth H. Huang. "Is too much competition bad for the industry? A Taiwanese banking case." Investment Management and Financial Innovations 13, no. 2 (2016): 128–40. http://dx.doi.org/10.21511/imfi.13(2-1).2016.01.

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The authors examine the relationship between net interest margin, a measure of banks’ pricing power, and lending market shares in the environment of regulation changes in Taiwan from 1991 to 2009. Specifically, the effect on net interest margins from mandatory industry consolidation is studied in depth. The authors find that firm market shares in the first period have positive and highly significant impacts on the bank profitability, but for the second period, the authors find increased non-performing loans. During the second period, the credit lending market share became a main profit compone

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27

Sarath, Delpachitra, and Dai Van Pham. "The determinants of Vietnamese banks’ lending behavior." Journal of Economic Studies 42, no. 5 (2015): 861–77. http://dx.doi.org/10.1108/jes-08-2014-0140.

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Purpose – The purpose of this paper is to theoretically and empirically examine the lending behavior of Vietnamese banks. Design/methodology/approach – A firm-banking model was established, considering risk-taking behavior and the regulatory environment. Based on the theoretical model, a simultaneous equation system was specified that considered loan growth and deposit growth as endogenous variables to empirically investigate lending behavior in Vietnam’s banking sector. Two-stage least square estimators were employed using a micro-level panel data set comprising 39 Vietnamese commercial banks

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28

Malini, Fitri. "Capital Adequacy Ratio dan Tingkat Suku Bunga Kredit Terhadap Penyaluran Kredit di Bursa Efek Indonesia." Agregat: Jurnal Ekonomi dan Bisnis 1, no. 1 (2017): 59. http://dx.doi.org/10.22236/agregat_vol1/is1pp59-72.

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His study aimed to determine the effect of the Capital Adequacy Ratio (CAR), and the interest rate loans to total lending in the banking companies in the Indonesia Stock Exchange. The method used in this research is the method of explanation, the independent variables used in this study consisted of Capital Adequacy Ratio (CAR), and loan interest rates while the dependent variable is the amount of lending. The population in this study were banking companies in the Indonesia Stock Exchange, samples taken amounted to 10 (ten) companies with the research period between 2009 and 2013. Partially Ca

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Verbytska, V., and V. Bredikhin. "CREDIT MARKET DEVELOPMENT DIRECTIONS IN MODERN UKRAINIAN CONDITIONS." Series: Economic scienceue/view/124 2, no. 155 (2020): 34–40. http://dx.doi.org/10.33042/2522-1809-2020-2-155-34-40.

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The article is devoted to the review of the current state, problems and directions of improving the activities of banking and microfinance organizations (MFIs) in the lending market. The methods of attracting customers to obtain loans are analyzed and the international experience of banking and non-banking organizations in the field of lending to the population is investigated. It was concluded that the economic development of the state not only implies, but also requires the development of market lending mechanisms that can not only provide banking institutions with a profit, but also ensure

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30

Afandi, Muhammad Anif. "Mengukur Potensi Perpindahan Nasabah Perbankan Kategori Milenial pada Layanan Pembiayaan Fintech Lending." Jurnal Ekonomi Indonesia 9, no. 1 (2020): 11–24. http://dx.doi.org/10.52813/jei.v9i1.27.

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The purpose of this study is to measure the potential of millennial banking customers to switch to the financing services of FinTech lending and its influencing factors in the area of DKI Jakarta. Multinomial Logistic Regression (MLR) method is applied as the dependent variable has more than two categories. The results showed that the likelihood for banking customers were reluctant, likely and willing to switch to the financing services of FinTech lending amounts to 7.73 percent, 97.19 percent and 2.81 percent, respectively. The most affecting factors of banking customers to switch to the FinT

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31

Li, Yi. "Reciprocal lending relationships in shadow banking." Journal of Financial Economics 141, no. 2 (2021): 600–619. http://dx.doi.org/10.1016/j.jfineco.2021.04.004.

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Yury, Natalia, Tatiana, and Gulmira. "Project Lending in Banking Risk Management." EUROPEAN RESEARCH STUDIES JOURNAL XX, Issue 4B (2017): 453–71. http://dx.doi.org/10.35808/ersj/903.

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Brighi, Paola. "Interbank Lending, Liquidity and Banking Crises." Economic Notes 31, no. 3 (2002): 493–521. http://dx.doi.org/10.1111/1468-0300.00095.

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Дуйсенбаева, Ботагоз Баймуханбетовна, Алтынай Болысовна Асанова, and Асем Жунисовна Танжарикова. "Current State of Corporate Banking Lending." Экономика и управление: научно-практический журнал, no. 5(155) (October 16, 2020): 116–20. http://dx.doi.org/10.34773/eu.2020.5.25.

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В данной статье рассмотрено современное состояние корпоративного банковского кредитования, акцентируется внимание на количественных и качественных показателях деятельности банковского сектора. В процессе исследования использованы и проанализированы статистические данные по кредитному портфелю и просроченной задолженности банковского сектора Республики Казахстан, структуре просроченной задолженности по корпоративным кредитам по срокам использования и видам валюты. На основе проведенного анализа текущего состояния даны соответствующие рекомендации. This article examines the current state of corp

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35

Vallée, Boris, and Yao Zeng. "Marketplace Lending: A New Banking Paradigm?" Review of Financial Studies 32, no. 5 (2019): 1939–82. http://dx.doi.org/10.1093/rfs/hhy100.

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36

Medvedeva, L. D. "CONSUMER BANKING LENDING: TRENDS AND DEVELOPMENT." Вестник Алтайской академии экономики и права 2, no. 12 2022 (2022): 277–83. http://dx.doi.org/10.17513/vaael.2651.

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KUMARI, Sarasanabelli Prasanna, and Madhusmita MOHANTY. "An Investigation on the Relation between Traditional Banking and Peer-to-Peer Lending from a Management Perspective." Theoretical and Practical Research in Economic Fields 15, no. 2 (2024): 392. http://dx.doi.org/10.14505/tpref.v15.2(30).18.

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This research explores how P2P lending in India has impacted traditional banking. The leading influence of traditional banks has been threatened by P2P lending, a disruptive phenomenon of the lending business. In P2P financing, lenders and borrowers are linked directly together, with no need for institutions to stand as intermediaries. This method has numerous advantages, among them lower operating costs, fast approval of loans and increased access to banking services for the underprivileged. Our research was aimed at India's potential for peer-to-peer lending to disrupt existing banks or form

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S.Umamaheswari and Dr.A.Elangovan. "The Green Funds to motivate Green banking practices in India." International Journal of Scientific Development and Research 8, no. 12 (2023): 722–28. https://doi.org/10.5281/zenodo.11257152.

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Green Banking is a notion; it’s comprised for all the banking operations in environmental, social and economic aspects. Green banking has the two major roles for green banking operations. The first one is internal aspects, it’s covered for all the online operations which rely on online electronic transactions for processing and the second one is external aspects in close relationship to outside customers through lending operations. It is followed for environmental aspects from green lending principles, eco-friendly lending policies. The projects include the above criteria: less car

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YANG, Mu, and Jielu YAO. "China's Shadow Banking in Spotlight." East Asian Policy 05, no. 04 (2013): 65–75. http://dx.doi.org/10.1142/s1793930513000378.

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Shadow banking in China encompasses informal financing activities including both underground lending and the banks' off-balance-sheet credit. The lack of formal credit access prompted the development of China's underground lending. Banks' off-balance-sheet credit refers to various contingent liabilities of commercial banks. Though the Chinese government has taken measures to lower risks posed by shadow banking, it needs to move towards more market-determined interest rates and lower entry barriers to the banking sector.

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Nepran, A. V., and A. I. Litvinov. "Statistical estimation of regional disproportions in bank lending in Ukraine." Economic Herald of SHEI USUCT 17, no. 1 (2023): 79–87. http://dx.doi.org/10.32434/2415-3974-2022-17-1-79-87.

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The article examines the processes of regional differentiation in bank lending. The creation of a special fund with mandatory involvement of bank representatives in management has been justified for the first time. The purpose of creating such a fund is to create more favorable conditions for lending in the regions. Based on statistical analysis, the conclusion is drawn that the type of regional development of bank lending in Ukraine, according to the studied parameters, can be unequivocally characterized as asymmetric. The main problem of interregional disparities in lending in Ukraine is the

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CHAIKOVSKYI, Yaroslav. "CURRENT STATE AND DIRECTIONS OF DEVELOPMENT OF BANK LENDING TO SMALL AND MEDIUM BUSINESS IN UKRAINE." WORLD OF FINANCE, no. 3(68) (2021): 80–90. http://dx.doi.org/10.35774/sf2021.03.080.

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Introduction. The article analyzes trends, the current state of bank lending to small and medium-sized businesses in Ukraine and banking products and programs to assist small and medium enterprises, which are provided by individual state-owned banks. Conclusions on the current situation are substantiated and the directions of development of bank lending to small and medium business in Ukraine are determined. Purpose of the article is to analyze the current state of bank lending to small and medium enterprises in Ukraine, to identify the problems in this area, and develop practical and methodol

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Sakti, Muhammad Rizky Prima, and Mohamed Zulkhibri. "PROCYCLICALITY AND BANK LENDING BEHAVIOR IN INDONESIA: THE CASE OF DUAL BANKING SYSTEM." Journal of Islamic Monetary Economics and Finance 4, no. 1 (2018): 23–38. http://dx.doi.org/10.21098/jimf.v4i1.921.

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It is widely suggested in the literature that procyclicality of bank lending behavior may lead to financial instability. This study examines bank-lending channel over the business cycle for Indonesian dual banking system by ascertaining to what extent Islamic banks have a role in the credit smoothing. In this context, we utilize Indonesian dual banking system unbalanced panel data for the period 2001-2015. By employing two-step dynamic GMM estimators, the study shows that the bank lending behaviour are procyclical. However, when we categorize the lending behaviour into conventional and Islamic

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N.C., Sujatha. "BANKING IN MEDIEVAL NORTH INDIA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 5–7. https://doi.org/10.5281/zenodo.2573030.

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The economic conditions of the times necessitated some kind of indigenous banking. The banking activities chiefly consisted in money-changing and money lending. In some cases deposits also were received. There was no single common coinage in India, since different kinds of coins varying in their metal content, in their value and denominations were in circulation, a class of men engaged in testing and changing coins gradually grew up. The same class began to meet the need of the agriculturists and merchants, by lending them money charging some interest on the loan. Out of these small beginnings

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Kohardinata, Cliff, Luky Patricia Widianingsih, Nicklaus Stanley, Yopy Junianto, Anastasia Filiana Ismawati, and Evi Thelia Sari. "Collaborative enhancement of non-MSME credit and optimization of banking idle funds through P2P platforms." Uncertain Supply Chain Management 12, no. 1 (2024): 37–44. http://dx.doi.org/10.5267/j.uscm.2023.10.019.

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The market share of peer-to-peer (P2P) has shifted from dominating the P2P lending for Micro, Small, and Medium Enterprises (MSME) to non-MSME. Meanwhile, non-MSME credit is an incumbent main market share banking which possibly makes it a complementary or substitution in P2P lending in non-MSME bank credit. Furthermore, optimizing and maintaining liquidity is important due to banks utilizing intermediation functions. The strictness of bank liquidity could determine the management’s response and policy in determining the best timing to utilize either the FinTech from the P2P platform or the cus

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KYRYLENKO, Serhiy. "CLIENT-ORIENTED APPROACHES IN RETAIL BANK LENDING." WORLD OF FINANCE, no. 4(53) (2017): 166–77. http://dx.doi.org/10.35774/sf2017.04.166.

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Introduction. Crisis phenomena in the Ukrainian economy negatively affected the consumer market, caused a decrease in the population's demand for credit products of banks. However, over the past two years, an increase in the retail lending portfolio has taken place, which is evidence of a certain improvement in the socio-economic situation, the improvement of the banking system, the growth of income of citizens and the restoration of their confidence in banks. In such conditions, the task is to consolidate positive trends in retail lending, including by applying client-oriented approaches to b

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Researcher. "GENERATIVE AI FOR PREDICTIVE CREDIT SCORING AND LENDING DECISIONS INVESTIGATING HOW AI IS REVOLUTIONISING CREDIT RISK ASSESSMENTS AND AUTOMATING LOAN APPROVAL PROCESSES IN BANKING." International Journal of Research In Computer Applications and Information Technology (IJRCAIT) 7, no. 2 (2024): 2162–70. https://doi.org/10.5281/zenodo.14357088.

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GenAI is a process that helps in maintaining credit risk assessment and ability for making accurate decisions in loan approval process. Generative AI impacts on the growth of credit risk assessment and automating loan approval processes in the banking sector. Secondary data collection and qualitative strategy have been addressed for developing financial conditions of banking sector. Accumulation of high quality of information can develop outcomes of banking sector to maintain lending decisions and credit risk assessment processes in the banking sector. Data privacy and security can maintain bi

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Susilowati, Fitri, and Suryanto Suryanto. "Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia." Media Ekonomi dan Manajemen 40, no. 1 (2025): 100. https://doi.org/10.56444/mem.v40i1.5345.

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<p>Research on the influence of digital finance on banking performance and risk is relevant, given the disparity development of the financial sector in Indonesia. The research method used a quantitative approach with data from the Financial Services Authority (OJK). Data processing employed Arellano Bond's two-step dynamic panel regression analysis (GMM), as the available data range was 2020-2022. The research conclusion asserts that banking performance has decreased due to the influence of Peer-to-Peer (P2P) lending. This research has also established that the influence of P2P presence

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Ageeva, S. D., and A. V. Mishura. "Impact of spatial concentration of the Russian banking sector on lending to regions and small and medium businesses." Voprosy Ekonomiki, no. 1 (January 15, 2019): 92–108. http://dx.doi.org/10.32609/0042-8736-2019-1-92-108.

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The article considers how the spatial concentration of the banking sector in Russia, associated with the formation of an increasingly centralized and state-owned banking system, affects lending in the regions of the country. Foreign research in the field of financial geography indicates that spatial centralization of the banking system may hinder sufficient lending to regions remote from financial centers, as well as small and medium-sized businesses, especially in times of crisis. We analyze these conclusions in relation to Russia in 2010—2017. Centralization of the Russian banking system is

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Affandi, Salwani, Anis Izzati Ja’afar, Fathiyah Ismail, and Nabilah Abdul Shukur. "BANK LENDING BEHAVIOR: EVIDENCE FROM MALAYSIAN DUAL BANKING SYSTEM." Advanced International Journal of Banking, Accounting and Finance 3, no. 8 (2021): 65–75. http://dx.doi.org/10.35631/aijbaf.38006.

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This study investigates the internal and external factors that influence bank lending behaviors in Malaysian’s dual banking system. The final regression of 24 commercial and 15 Islamic banks using the pooled ordinary least square (POLS) method revealed that the size of the bank proxies by the logarithm of total assets as the most significant factor influencing bank lending behavior in Malaysia from 2010 to 2018. This suggests that larger banks are more diversified and have a larger pool of funds to be loaned out. Because banks rely on deposits to issue loans, the deposits received by the bank

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Dung, Pham Anh, Dinh Tran Ngoc Huy, Le Ngoc Nuong, Dinh Tran Ngoc Hien, and Pham Hung Nhan. "Banking Management for Sustainability – A Case in Commercial Banking Industry in Vietnam." Journal of Law and Sustainable Development 11, no. 11 (2023): e2261. http://dx.doi.org/10.55908/sdgs.v11i11.2261.

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Objective: This paper will aim to present banking management and control for sustainability in Vietnam situation.   Method: Authors will use OLS method combined with statistic analysis with Eveiw, case study method and synthesis method.  Results: the article analyzed SHB stock price under a function with 7 variables - macro elements. Our findings show growth of GDP, lending rate has highest impact on stock price.  Conclusion: One of effective risk management tools is risk model that we suggested n this study, for instance. Impacts of factors such as rate (le

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