Academic literature on the topic 'Batıkent Housing Savings Bank'

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Journal articles on the topic "Batıkent Housing Savings Bank"

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Khadidja, Zerigui. "The client’s behaviour towards the bank in Algeria (Public Bank Vs Foreign Bank)." Financial Markets, Institutions and Risks 4, no. 1 (2020): 100–108. http://dx.doi.org/10.21272/fmir.4(1).100-108.2020.

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This paper summarizes the arguments and counterarguments within the scientific discussion regarding the behavioral aspects of customer choice of state or foreign bank banking services. The purpose of the study is to study and analyze the behavior of customers when choosing a bank category (state or foreign) to obtain banking services. In order to test the scientific hypotheses, we conducted a survey of clients and bank managers of 12 banks (6 states and 6 foreign). In Algeria, a separate range of financial transactions (in particular, housing lending and investment programs) is entrusted to state-owned banks only, so clients in Algeria do not leave state-owned banks, even if they also start servicing higher-quality foreign banks. The processing of the survey results showed that the key factors that determine the priorities in choosing clients of a state or foreign bank are: the reputation of the bank; tips from friends or acquaintances advice of a bank employee; accident; bank advertising (for foreign banks only). In addition, the choice of the bank by a client in Algeria is influenced by behavioral and institutional factors such as religion, traditions, and social customs. The survey found that just over half of the customers were satisfied with the services of state-owned banks, while 85% were completely satisfied with new banking technologies, ease of use and time savings among foreign bank clients. The main factors that determine the level of customer satisfaction with banking services are ease of knowing cash and payment for services; highly efficient organization and simplicity of credit mechanisms; adherence to the principles of Islamic finance by some foreign banks (alternative finance, where loans and savings do not imply interest rates); more advanced banking services (mainly for foreign banks). Keywords: bank, state bank, foreign bank, customer, competition, bank reputation, banking.
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Astuti, Dyah Widi. "LESSON LEARNT FROM KREDIT TRIGUNA: THE HOUSING FINANCE FOR LOW-INCOME COMMUNITY." Sinektika: Jurnal Arsitektur 1, no. 1 (July 10, 2015): 202–8. http://dx.doi.org/10.23917/sinektika.v1i1.1139.

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Financial aid or loan designed specifically for housing the low income community,especially they are working in informal sector, is necessary. To answer the need, abouttwo decades ago, Bank Tabungan Negara (BTN) or The State Savings Bank hadintroduced a loan package, named Kredit Triguna. Designed as a mixed microcreditpolicy, this loan implemented a fully concept of integrated approach. But it was onlyavailable for two years, and then discontinued. As one of the best practice microfinanceprograms at the time, this condition was considered as a unique case. This paper aimsto evaluate the previous microcredit policy, that was Kredit Triguna, in its implementation and to identify reasons for its success or failure in performance. As a sample of case study, a project of housing redevelopment in Kalianyar riverbank, Mojosongo, Surakarta using the loan is observed. The result of the study will help in developing new alternative scheme in housing finance for the low-income community.
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Acwin Dwijendra, Ngakan Ketut, and Ngakan Putu Sueca. "The Determinant Factor of Home Transformation in Bali, Indonesia." Journal of Social Sciences Research, no. 512 (December 25, 2019): 1855–60. http://dx.doi.org/10.32861/jssr.512.1855.1860.

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In the context of providing adequate housing, a large number of people in developing countries are transforming their homes. This informal housing provision also occurs in Bali, both in BTN (National Savings Bank) housing and in traditional homes. The purpose of this study was to determine a number of determinant factors of home transformation. To achieve the objectives, this study used a survey research strategy, and two case studies were selected. Using a questionnaire as the main tool, one hundred and sixty-six respondents were interviewed. Logistic regression analysis states that both household and residential characteristics are important determinants of transformation. Two home variables, namely the size of the house and the number of original beds are good predictors. The study also shows that four household characteristics appear to be important, namely total expenditure, number of residents, type of household, and ownership.
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Handayani, Fitri, Rahman Ambo Masse, and Sunuwati Sunuwati. "IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KPR DI BANK TABUNGAN NEGARA SYARIAH PAREPARE." BANCO: Jurnal Manajemen dan Perbankan Syariah 1, no. 1 (May 1, 2019): 45–68. http://dx.doi.org/10.35905/banco.v1i1.700.

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This study discusses the implementation of murabahah contracts on mortgage financing in the Parepare Islamic state savings bank. That the BTN Syariah bank is a unit of conventional Bank BTN which raises doubts about mortgage financing, whether or not it has implemented murabahah contracts in mortgage financing or not. As recommended by the DSN fatwa and Indonesian banks. This study aims to determine the implementation of the murabahah contract on mortgage financing at the Parepare Syariah State Savings Bank. The results of this study indicate that: (1) the financing mechanism for mortgages at Bank BTN Syariah Parepare is in accordance with the rules of banks and government, the rules governed by the government are the rules regarding subsidized mortgages stipulated in PermenPUPR Number 21 / PRT / M / 2016 concerning convenience and or assistance in obtaining houses for low income people. PermenPUPR Number 26 / PRT / M / 2016 concerning changes to the ministerial regulations on public works and public housing number 21 / PRT / M / 2016 and PermenPUPR Republic of Indonesia Number 425 / KPTS / M / 2015 concerning limits on house selling prices that can be obtained through credit or financing of prosperous home ownership. (2) Implementation of murabahah contract at BTN Syariah Parepare bank, terms and conditions are in accordance with the principle of murabahah contract, murabahah contract has not implemented well on mortgage products at BTN Syariah Parepare bank due to the existence of murabahah contract elements which are not in accordance with the fatwa of the board national sharia-MUI. The element of the murabahah contract that is not in accordance with the DSN-MUI fatwa is the down payment and rescheduling. The elements of the murabahah contract are in accordance with the DSN-MUI fatwa, namely discounts, settlement of accounts receivable, fines and accelerated repayments.
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Nwuba, Chukwuma C., and Eunice Oluwakemi Chukwuma-Nwuba. "Barriers to accessing mortgages in Nigeria’s housing markets." International Journal of Housing Markets and Analysis 11, no. 4 (August 6, 2018): 716–33. http://dx.doi.org/10.1108/ijhma-10-2017-0089.

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PurposeThe purpose of this study is to investigate barriers to accessing mortgages in Nigeria’s urban housing markets with the main focus on Kaduna State. The objective was to establish the diverse factors that constitute barriers to urban households’ access to mortgages for homeownership from the perceptions of households, mortgage lenders and the Federal Mortgage Bank of Nigeria.Design/methodology/approachThe study used cross-sectional survey with triangulation of results. To enable the triangulation, three new samples were developed from 450 surveys with households and 10 completed by lenders, both in Kaduna State and one survey undertaken by the Federal Mortgage Bank of Nigeria. Data were collected with questionnaires designed on five-point Likert model. Data analysis utilized descriptive statistics and one-samplet-test. Triangulation enabled cross-validation of the results.FindingsThe barriers include low incomes and savings which constrain households’ ability to pay mortgage instalments and deposits, respectively, high interest rates, poor access to land, inability of potential borrowers to provide certificates of occupancy on their land, inadequate loanable funds and inadequate number of mortgage lending institutions.Practical implicationsThe study has the potential to provide a basis for mortgage market reforms. Mortgage market reforms should be encompassing because it requires action in some other sectors.Social implicationsThe social implication of the study is the possibility of motivating actions to deal with the diverse barriers to accessing mortgages which have constituted deterrents to households from realizing their homeownership aspirations and enjoying the benefits of homeownership and consequently contributing to inadequate housing and poor living conditions.Originality/valueThe study provides distinctive insight into Nigeria’s mortgage market by integrating the views of various stakeholders on a subject of social and economic significance. It contributes to the evidence-base around mortgage market reforms in Nigeria.
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Udoka, Chris O., and Mary Kpataene. "MORTGAGE FINANCING AND HOUSING DEVELOPMENT IN NIGERIA." International Journal of Research -GRANTHAALAYAH 5, no. 5 (May 31, 2017): 182–206. http://dx.doi.org/10.29121/granthaalayah.v5.i5.2017.1850.

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This study examined mortgage financing and housing development in Nigeria. The main focus of this research was to ascertain the impact of mortgage loan in housing development in Nigeria. To achieve this objective, data were extracted from CBN statistical bulletin and National Bureau of Statistics from 1990 to 2014. Three hypotheses were formulated and tested using econometric models such as Augmented Dickey-Fuller unit root test, the co-integration tests revealed the existence of a long-run relationship among the variables. The Error Correction Model established causal links and dynamic interactions between variables by granger causality test. The result of the findings showed a significant relationship between mortgage financing and housing development in Nigeria. Variables such as mortgage loan and interest rate had positive and significant impact on housing development while cost of building had a negative effect on housing development in Nigeria. Further findings revealed that mortgage bank deposit had positive effect on mortgage investment while inflation had a negative effect on mortgage investment. The study recommended that mortgage institution in Nigeria should develop strategies to mobilize more deposits and explore new sources of fund such as funds from the capital market via housing bonds, savings and loans from co-operative societies. Government should create an enabling environment for private housing sector in housing development in Nigeria by providing infrastructure and enhancing soundness and competitiveness of mortgage institutions in Nigeria.
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KOH, BENEDICT S. K., OLIVIA S. MITCHELL, TOTO TANUWIDJAJA, and JOELLE FONG. "Investment patterns in Singapore's Central Provident Fund System." Journal of Pension Economics and Finance 7, no. 1 (November 16, 2007): 37–65. http://dx.doi.org/10.1017/s1474747207003253.

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AbstractRising elderly life expectancies imply the need to accumulate sufficient savings for retirement. This paper investigates the role of recent changes in the investment menu of the Singaporean Central Provident Fund (CPF) system. Our research explores the investment patterns of CPF participants and articulates their implications for policymakers. We find that most investors use their money for housing purchase and default the remainder to the CPF investment pool. The bulk of non-housing saving sits in bank accounts paying a low return. A fraction of workers does elect outside investment products, with high-income earners and males taking more risk than low-income earners and females. Since workers who default their money to the CPF fund receive a guaranteed 2.5% return on the Ordinary Account and 4% on the Special Account, hurdle rates for money market and equity funds are substantial. These high hurdle rates help explain why few CPF account holders invest outside the default government investment pool, though inertia probably explains why many employees let their funds sit in bank accounts earning low interest rates. More attention could be devoted to lowering fund expenses and commissions, including the myriad of fees, expenses, loads, and wrap charges; it might also be beneficial to streamline and rationalize the investment menu offered to participants.
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García-Alcober, M. Pilar, Diego Prior, Emili Tortosa-Ausina, and Manuel Illueca. "Risk-taking behavior, earnings quality, and bank performance: A profit frontier approach." BRQ Business Research Quarterly 23, no. 4 (October 2020): 285–304. http://dx.doi.org/10.1177/2340944420966870.

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After the financial crisis of 2007–2008, some bank performance dimensions have been the subject of debate, two of which are bank efficiency and bank risk-taking behavior. The literature on bank efficiency and productivity has grown considerably over the past three decades, and has gained momentum in the aftermath of the financial crisis. Interest in bank risk-taking behavior, usually focusing on its links to monetary policy, has been relatively low, but has also increased exponentially in more recent years. This article combines these two streams of research. Specifically, we test whether more inefficient banks take greater risks when selecting borrowers, charging interests, and requiring collateral, and whether these links between inefficiency and risk change according to the type of bank. Our analysis centers on the Spanish banking system, which has been severely affected by the burst of the housing bubble and has undergone substantial restructuring. To test our hypotheses, we created a database with information on banks and savings banks, their borrowers (non-financial firms), and the links between them. The study also contributes to the literature by considering a novel profit frontier approach. Our results suggest that more inefficient banks take greater risks in selecting their borrowers, and that this high-taking behavior is not offset by higher interest rates. JEL CLASSIFICATION C14; C61; G21; L50
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Rossi, Sergio. "The dangerous ineffectiveness of negative interest rates: the case of Switzerland." Review of Keynesian Economics 7, no. 2 (April 2019): 220–32. http://dx.doi.org/10.4337/roke.2019.02.07.

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This paper argues that the negative interest rate adopted by the Swiss National Bank in 2015 has elicited a series of negative consequences across the Swiss economy. It has led an increasing number of agents to invest their savings in the real-estate market, whose prices have overheated, threatening the eruption of a housing crisis. It has also induced a number of financial institutions to turn to riskier businesses in an attempt to continue to earn some returns, thereby increasing financial fragility at systemic level. The paper suggests that a small Tobin tax on all Swiss-franc purchases may contribute to the support of domestic economic activities much better than negative rates of interest.
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Derii, Vasyl, Mariia Gumenna-Derii, and Lyudmyla Kruchak. "Control over costs and resource savings in the process of logistics activities of construction enterprises: methods, organization." Herald of Economics, no. 1(99) (February 1, 2021): 111. http://dx.doi.org/10.35774/visnyk2021.01.111.

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Introduction. In the process of managing the logistics activities of these enterprises, an important role is given to control over costs and resource savings. These components of management allow to constantly monitor the pace of housing construction and identify problems that arise there in order to eliminate objective obstacles, ensure compliance with construction schedules at the stages of the construction process, delivery of finished housing to individual customers in the agreed time and with declared, in contractual obligations, its quality.Purpose. The purpose of the article is to critically analyze publications on the problems of economic control of costs and resource savings, logistics activities in enterprises, including construction, and to develop their own position and proposals of the authors to solve these problems.Method (methodology). In the process of researching this topic, the following methods were used: monographic – in order to study the literature on economic control over costs and resource savings in the process of logistics activities of construction companies; regulatory and legal support – in order to identify violations of Ukrainian legislation in the field of construction and logistics; tabular – to build a table on the methodology of audit control of logistics costs and their resource savings in the process of logistics activities of construction companies, etc.Results. Control over logistics costs (state and domestic) and savings (overspending) of resources in construction enterprises should be carried out in the form of monitoring, verification, aimed at their rational use of resources (building materials and structures, electricity, fuel, lubricants, water, etc.), that is, to save money during the design of the construction object, preparation of the construction site for the beginning of capital construction, the implementation of direct construction and installation work, delivery- acceptance of the constructed object into operation.Bankruptcy of the construction company «Elita-Center», Bank «Arcade», serious violations in the activities of «Ukrbud», unsuccessful reform of DABI, explosion of a residential building in Poznyaki revealed an acute problem in the renewal of the Ukrainian housing stock. There is a relevant practice in the world aimed at protecting the interests of people who invest in housing (in the UK, Israel, Poland). It must be taken into account in Ukraine.Outsourcing specialists can be involved in work in construction organizations (enterprises) on a contractual basis, which will allow these organizations (enterprises) to save time and save costs for logistics operations.The audit of logistics costs (external and internal) and resource savings in the process of logistics activities in construction makes it possible to establish the reasons for deviations from such costs and certain officials who are involved in these deviations in construction companies. It should be noted here that deviations can be manifested not only in the overspending of logistics costs and resources, but also in their savings (in this case, the official must be encouraged in some way). Perspectives. Promising are the studies aimed at the general improvement of the system of economic control over the activities of construction companies and each of their logistics in the development of the digital economy and overcoming the consequences of the fight against СOVID-19.
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Dissertations / Theses on the topic "Batıkent Housing Savings Bank"

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Zahálková, Anna. "Analýza využití stavebního spoření v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206187.

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This thesis deals with the possibilities of financing housing, in particular savings instrument. The main goal is to determine, what are the differences between building savings banks, especially in the product. Another goal is to monitor and evaluate the options selected housing financing in the Czech Republic. The work focuses on market analysis, building societies and comparison of their products. The first part deals with the explanation of the concepts of housing and savings, including the establishment process of building savings and loan drawdown of savings. Attention is also paid to support housing programs from various government entities. Another part describes building savings banks operating on the Czech market. The last part describes and compares the conditions of products, what conclusions arise that are described in the summary at the end of work. Finally, the work summarizes the most important facts from all the chapters.
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Benešová, Lucie. "Možnosti financování bydlení v České republice." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224925.

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This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.
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Intrabartollo, Márcia Regina [UNESP]. "Responsabilidade social na moradia popular: estudo do Programa de Arrendamento Residencial em Ribeirão Preto, SP." Universidade Estadual Paulista (UNESP), 2007. http://hdl.handle.net/11449/98622.

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Made available in DSpace on 2014-06-11T19:29:39Z (GMT). No. of bitstreams: 0 Previous issue date: 2007-11-27Bitstream added on 2014-06-13T18:39:26Z : No. of bitstreams: 1 intrabartollo_mr_me_fran.pdf: 2053791 bytes, checksum: 953156009a7303efdbe9a664ae9ecf1e (MD5)
Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)
A Caixa Econômica Federal (CEF) se constitui em empresa pública de direito privado que executa as políticas públicas brasileiras relativas à moradia popular no âmbito federal, além de atuar como gestora de fundos, administradora das loterias federais e principal agente do Governo Federal em programas de transferência de renda e inclusão bancária. Empresa centenária, com atuação em todo o território nacional, desde 2.003 demonstra interesse em ser reconhecida como socialmente responsável. A relação da CEF com a responsabilidade social é complexa, pois, por se tratar de uma empresa pública tem obrigações sociais, por ser empresa brasileira tem função social, e por ser caixa econômica tem compromisso social inerente à sua constituição jurídica. O presente trabalho se propôs a delimitar como a responsabilidade social se encontra inserida neste contexto e, especificamente, como esta se dá na moradia popular. O estudo da responsabilidade social na moradia popular se constitui em possibilidade para melhorar as condições de habitabilidade da população pobre brasileira na medida em que o setor ainda traz arraigados traços do foco quantitativo para a solução do problema de déficit habitacional que, atualmente, chega a 7,2 milhões de moradias no país. Para avaliar a responsabilidade social da CEF foi selecionado o indicador constante nos Indicadores Ethos de Responsabilidade Social, inspirado na norma AccountAbility 1000, que trata do diálogo entre as partes afetadas pela ação da instituição que, no presente trabalho, se refere à ação da CEF na execução de políticas habitacionais. Um dos motivos para a seleção deste indicador foi o fato de que autores contemporâneos vislumbram no campo empresarial organizações que buscam o consenso através da institucionalização do diálogo e conversação, ultrapassando a forma disjuntiva de pensar para adotar o foco nas relações. Segundo os autores, esta nova...
Federal Savings Bank (CEF - Caixa Econômica Federal) is a private law public company that executes the Brazilian public policies related to popular housing, within federal ambit, besides managing funds, administrating federal lotteries and also acting as the most important agent of the Federal Government in programs of income transfer and bank inclusion. Centenary company, acting throughout the national territory, has been demonstrating interest, since 2003, in being recognized as socially responsible. CEF’s relationship with social responsibility is complex, because, as a public company it has social obligations, as a Brazilian company it has social roles and as a savings bank it has social commitment, which are inherent to its juridical constitution. The present work intended to delimit how the social responsibility is inserted in this context and, specifically, how the social responsibility occurs in popular housing policies. The study of the popular housing’s social responsibility constitutes a possibility to improve the housing conditions of the Brazilian poor population, once the sector still presents deep-rooted characteristics of the quantitative view as the solution for the problem of housing deficit that, nowadays, reaches 7.2 million houses in the country. In order to evaluate CEF’s social responsibility, it was selected the constant indicator in the Ethos Indicators of Social Responsibility, inspired in the AccontAbility 1000 standards, that deal with the dialogue between the parties affected by the institution’s action which, in the present work, refers to the action of CEF in the execution of housing policies. One of the reasons for the selection of this indicator was the fact that the contemporary authors discern, in the entrepreneurial field, organizations that look for consensus through the institutionalization of dialogue and conversation, transcending the disjunctive way of thinking, in order to ...
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Intrabartollo, Márcia Regina. "Responsabilidade social na moradia popular : estudo do Programa de Arrendamento Residencial em Ribeirão Preto, SP /." Franca : [s.n.], 2007. http://hdl.handle.net/11449/98622.

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Orientador: Cláudia Maria Daher Cosac
Banca: Jefferson Luis Coutinho
Banca: Mário José Filho
Resumo: A Caixa Econômica Federal (CEF) se constitui em empresa pública de direito privado que executa as políticas públicas brasileiras relativas à moradia popular no âmbito federal, além de atuar como gestora de fundos, administradora das loterias federais e principal agente do Governo Federal em programas de transferência de renda e inclusão bancária. Empresa centenária, com atuação em todo o território nacional, desde 2.003 demonstra interesse em ser reconhecida como socialmente responsável. A relação da CEF com a responsabilidade social é complexa, pois, por se tratar de uma empresa pública tem obrigações sociais, por ser empresa brasileira tem função social, e por ser caixa econômica tem compromisso social inerente à sua constituição jurídica. O presente trabalho se propôs a delimitar como a responsabilidade social se encontra inserida neste contexto e, especificamente, como esta se dá na moradia popular. O estudo da responsabilidade social na moradia popular se constitui em possibilidade para melhorar as condições de habitabilidade da população pobre brasileira na medida em que o setor ainda traz arraigados traços do foco quantitativo para a solução do problema de déficit habitacional que, atualmente, chega a 7,2 milhões de moradias no país. Para avaliar a responsabilidade social da CEF foi selecionado o indicador constante nos Indicadores Ethos de Responsabilidade Social, inspirado na norma AccountAbility 1000, que trata do diálogo entre as partes afetadas pela ação da instituição que, no presente trabalho, se refere à ação da CEF na execução de políticas habitacionais. Um dos motivos para a seleção deste indicador foi o fato de que autores contemporâneos vislumbram no campo empresarial organizações que buscam o consenso através da institucionalização do diálogo e conversação, ultrapassando a forma disjuntiva de pensar para adotar o foco nas relações. Segundo os autores, esta nova ...
Abstract: Federal Savings Bank (CEF - Caixa Econômica Federal) is a private law public company that executes the Brazilian public policies related to popular housing, within federal ambit, besides managing funds, administrating federal lotteries and also acting as the most important agent of the Federal Government in programs of income transfer and bank inclusion. Centenary company, acting throughout the national territory, has been demonstrating interest, since 2003, in being recognized as socially responsible. CEF's relationship with social responsibility is complex, because, as a public company it has social obligations, as a Brazilian company it has social roles and as a savings bank it has social commitment, which are inherent to its juridical constitution. The present work intended to delimit how the social responsibility is inserted in this context and, specifically, how the social responsibility occurs in popular housing policies. The study of the popular housing's social responsibility constitutes a possibility to improve the housing conditions of the Brazilian poor population, once the sector still presents deep-rooted characteristics of the quantitative view as the solution for the problem of housing deficit that, nowadays, reaches 7.2 million houses in the country. In order to evaluate CEF's social responsibility, it was selected the constant indicator in the Ethos Indicators of Social Responsibility, inspired in the AccontAbility 1000 standards, that deal with the dialogue between the parties affected by the institution's action which, in the present work, refers to the action of CEF in the execution of housing policies. One of the reasons for the selection of this indicator was the fact that the contemporary authors discern, in the entrepreneurial field, organizations that look for consensus through the institutionalization of dialogue and conversation, transcending the disjunctive way of thinking, in order to ...
Mestre
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Topinka, Zdeněk. "Modelace možných finančních zdrojů na pořízení nemovitosti." Master's thesis, Vysoké učení technické v Brně. Ústav soudního inženýrství, 2013. http://www.nusl.cz/ntk/nusl-232841.

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The aim of the works was analyze possible to sources financial resources for financing immovables in Czech republic. Sources were to be surveyed for needs personal living and needs business. In diploma work work are circumscribed individual possibilities, their criteria and their usage. Thesis is tipped modelling situation and her solving.
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Holásková, Petra. "Návrh financování bydlení s ohledem na rodinný rozpočet." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2011. http://www.nusl.cz/ntk/nusl-223327.

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This thesis deals with the critical analysis of cash expenditures having an effect on the family budget in case of finance housing. The theoretical part is aimed at defining the basic terms that are needed to the further understanding of the problem. The next parts contain a critical analysis of the expenditures associated with the financing of housing, including the proposals for measures to eliminate risks arising from the unforeseen expenditures associated with housing.
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Pískatá, Petra. "Možnosti použití hodnotové analýzy při výběru poskytovatele hypotečního úvěru." Master's thesis, Vysoké učení technické v Brně. Fakulta stavební, 2014. http://www.nusl.cz/ntk/nusl-227028.

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The aim of this master’s thesis is to find the best type of mortgage loan for several kinds of borrowers. The first part describes personal housing financing, use of loans, use of mortgages in general. At the end of this theoretical part the value analysis is explained as a tool for mortgage lender (or the type of mortgage loan) selection and the way of reaching this goal is defined. Second part is a practical example of how to make decision and find the best choice. It selects the most important criteria and real cash flow is simulated to asset the price of each possibility. Using the discrimination method and efficiency rate the possibilities are ranked. Results are commented on and recommendations are set to every type of client. In conclusion, general method for selection before getting a mortgage is proposed.
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Rakoena, Thabang Lisbon. "Investigating the Possibilities of Linking Progressive Housing Investment with Bank Housing Finance; The Case of Maseru - Lesotho." Thesis, 2006. http://hdl.handle.net/10539/1669.

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Student Number : 0204752J - MSc research report - School of Construction Economics and Management - Faculty of Engineering and the Built Environment
Most governments in developing countries are unable to assist in the ever-growing housing needs of the informal sector, which constitutes the major part of most economies. The two reasons for this state of affairs are (i) the ever-shrinking resource base of countries, which makes the provision of subsidies impractical; and (ii) the fact that this sector is normally characterized by irregular incomes, which makes provision for loans by financial institutions difficult. This situation is particularly true for the Kingdom of Lesotho. Due to their unfortunate predicament, the informal sector has become innovative in addressing their housing needs. Various informal credit methods are widely employed to finance their houses, which are built progressively. This research therefore investigates the possibilities of linking the progressive housing investment to bank housing finance, using Maseru - Lesotho as the research focus. In order to achieve the above aim, a household survey was conducted coupled with structured interviews. The structured interviews were held with the commercial banks as well as the government housing authorities. These interviews were mainly to elicit their views about the option of Microfinance of housing. It was established that the respondents as well as the government authorities were not aware of this option. The banks were equally unaware of it and in addition to this, the perceived risk led to skepticism. As such these made Microfinance of housing impractical in the short-run. However it would be advisable to mobilize the formation of a revolving fund to which the commercial banks could on-lend, as a solution to the lack of housing finance.
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9

DUC, VO MINH, and 武明德. "Assessment of customer satisfaction on savings deposits service of Housing Development Bank in Ho Chi Minh City." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/72761353815722669167.

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Abstract:
碩士
樹德科技大學
金融與風險管理系碩士班
99
The procedure of this thesis is to analyze and evaluate the overall operational status in HD Bank deposits, and also analyze the current status of raising capital on the market today. Based on data analysis and statistical models, this thesis will find out the HDBank existence and causes of the existing weaknesses in the activity of deposits in general and the activity of raising capital in particular. These exist on the basis of topics important to offer solutions and recommendations to overcome existing and develop additional activities to other services at HD Bank service quality better. Keywords: Customer Satisfaction, Commercial Bank, Vietnam
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Books on the topic "Batıkent Housing Savings Bank"

1

Sayın, Erol. Batıkent Housing Savings Bank. Ankara: Kent-Koop Union of Batıkent Housing Construction Cooperatives, 1985.

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Bowsher, Charles A. Resolving the savings and loan crisis: Statement of Charles A. Bowsher, Comptroller General of the United States, before the Committee on Banking, Housing, and Urban Affairs, United States Senate. [Washington, D.C.?]: U.S. General Accounting Office, 1989.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Problems of the Federal Savings and Loan Insurance Corporation, (FSLIC): Hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session .... Washington: U.S. G.P.O., 1989.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Problems of the Federal Savings and Loan Insurance Corporation, (FSLIC): Hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session .... Washington: U.S. G.P.O., 1989.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Problems of the Federal Savings and Loan Insurance Corporation, (FSLIC): Hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session .... Washington: U.S. G.P.O., 1989.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Government-Sponsored Housing Enterprises Financial Safety and Soundness Act of 1991: Report together with additional and dissenting views (to accompany H.R. 2900) (including cost estimate of the Congressional Budget Office). [Washington, D.C.?: U.S. G.P.O., 1991.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Government-Sponsored Housing Enterprises Financial Safety and Soundness Act of 1991: Report together with additional and dissenting views (to accompany H.R. 2900) (including cost estimate of the Congressional Budget Office). [Washington, D.C.?: U.S. G.P.O., 1991.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Government-Sponsored Housing Enterprises Financial Safety and Soundness Act of 1991: Report together with additional and dissenting views (to accompany H.R. 2900) (including cost estimate of the Congressional Budget Office). [Washington, D.C.?: U.S. G.P.O., 1991.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Government-Sponsored Housing Enterprises Financial Safety and Soundness Act of 1991: Report together with additional and dissenting views (to accompany H.R. 2900) (including cost estimate of the Congressional Budget Office). [Washington, D.C.?: U.S. G.P.O., 1991.

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10

Bowsher, Charles A. Failed thrifts: GAO's analysis of Bank Board 1988 deals : statement of Charles A. Bowsher, Comptroller General of the United States, before the Committee on Banking, Housing, and Urban Affairs, United States Senate. [Washington, D.C.?]: U.S. General Accounting Office, 1989.

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