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Journal articles on the topic 'Borrowed bank funds'

Author: Grafiati
Published: 30 May 2022
Last updated: 31 July 2025

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1

Sivi, Robert Katuku, Kabui Anne Christine, and Jacob Chege. "Effect of Bank Size on Earnings Retention for Investment by Commercial Banks in Kenya." Journal of Finance and Accounting 4, no. 4 (2024): 21–29. http://dx.doi.org/10.70619/vol4iss4pp21-29.

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The Kenyan economy has continued to register dismal performances in the last few years and banks can play a facilitative function because of their intermediary role. The study sought to find out if the size of a commercial bank has any influence on its level of earnings retention for investment. The retention of earnings by a bank each financial year can have critical importance because it provides a source of funds for investment. The findings of the study are helpful to the management of commercial banks in education to shareholders. The study was anchored on the pecking order theory. The ba
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2

Salam, Gbadebo, Alase Gbenga, Lamidi Sikiru, and Tonuchi Joseph. "Borrowers Strategic Loan Default in Central Bank Microfinance Facilities and Incentives to Repay." Applied Journal of Economics, Management and Social Sciences 3, no. 4 (2022): 44–53. http://dx.doi.org/10.53790/ajmss.v3i4.62.

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This study examines the incidence of strategic default by borrowers in Central Bank of Nigeria (CBN) microfinance loan facilities and the role of incentives to prevent such opportunistic behaviour. A collective strategic default is a situation where sound borrower feigns inability to repay with an expectation that a large number of other borrowers will not repay their loans, thus reducing the bank’s enforcement capacity, and then the effectiveness of the policy. Such opportunistic behaviour of borrowers happens in a framework in which there is no incentives to compel and encourage borrowers to
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3

Ruslya, Ni Made Lady, I. Nyoman Putu Budiartha, and Ida Ayu Putu Widiati. "Penyelesaian Perjanjian Kredit Terhadap Debitur yang Wanprestasi di Pt. Bank Perkreditan Rakyat Hari Depan Denpasar." Jurnal Konstruksi Hukum 2, no. 3 (2021): 531–36. http://dx.doi.org/10.22225/jkh.2.3.3631.531-536.

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Indonesia is a developing country, this development is followed by rapid competition. In carrying out activities in any field, especially in economic activities, the community should not act recklessly but must follow the applicable norms. The government in an effort to equalize the welfare of its people creates a forum for community associations to process funds owned or borrowed funds to open a business. One of them is a bank that is engaged in the financial sector. People's credit banks are the government's solution to provide convenience to the community but with terms and conditions in th
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4

Khan, Rao Abdul Rauf. "Farm Loans Recovery Problem in Pakistan: Its Possible Solution." Pakistan Development Review 33, no. 4II (1994): 837–43. http://dx.doi.org/10.30541/v33i4iipp.837-843.

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The emerging trend of focussing more and more attention on improving the production and productivity of farming in Pakistan has prompted bankers to evolve better schemes to improve the income generation capacity of the farming community and help them repay the borrowed funds in time. This can be called a step in the right direction. The Agriculture Development Bank of Pakistan (ADBP) the Federal Bank for Cooperatives (FBC) and the Commercial Banks are the major formal institutions, which because being Government owned have in fact become the agents for rural development purveying the most impo
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Suchkova, S. "Sources of the raised and borrowed funds of commercial bank." Актуальные направления научных исследований XXI века: теория и практика 2, no. 6 (2014): 325–34. http://dx.doi.org/10.12737/6875.

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Dalisova, Natal'ya, Tatyana Martynova, and Dmitriy Eremeev. "EVALUATION OF THE EFFECTIVENESS OF THE DEBT CAPITAL STRUCTURE BASED ON COMMERCIAL ENTERPRISE DATA." Socio-economic and humanitarian magazine, no. 1 (March 13, 2025): 3–16. https://doi.org/10.36718/2500-1825-2025-1-3-16.

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The objective of the study is to assess the structure of borrowed capital based on data from several large commercial enterprises from different sectors of the national economy. Such an assessment will show how rationally from a financial point of view borrowed funds are used in the company's activities. This assessment can be used as one of the criteria when making a decision on investing in the company's securities, primarily in shares. The better the management of attracted funds, the higher the return on invested capital, as a result, the company is more attractive in the eyes of investors
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Zahran, Kareem, and A. Samer Ezeldin. "Finance-based scheduling: optimization of results-based funded multiple projects." Canadian Journal of Civil Engineering 47, no. 4 (2020): 428–37. http://dx.doi.org/10.1139/cjce-2018-0683.

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Development lending institutions are exploring solutions that can ensure the effectiveness of funds. Results-based financing (RBF) considers this goal by linking desired outputs to the disbursement of funds. This may require borrowers to prefinance programs and then receive allocated disbursements after achieving results, which forms cash flow gaps. This paper presents a framework for the simulation and optimization of RBF programs using genetic algorithms (GA). It applies finance-based scheduling on RBF multiple projects to obtaining an improved benefit from borrowed funds. The Program-for-Re
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Anderson, Alyssa, and Manjola Tase. "LCR Premium in the Federal Funds Market." Finance and Economics Discussion Series, no. 2023-071 (November 2023): 1–30. http://dx.doi.org/10.17016/feds.2023.071.

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We document the existence of a regulatory premium in the federal funds market related to the implementation of the Liquidity Coverage Ratio (LCR). We use difference-in-differences analysis and confidential bank level data on borrowing in the fed funds and Eurodollar markets to compare the interest rates paid by banks subject to daily reporting of their liquidity profile (daily reporters) relative to other banks. We find that, after the implementation of LCR, daily reporters paid a higher rate compared to other banks when borrowing in the fed funds market given the LCR-favorability of many of t
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9

Ushanov, Aleksandr Evgenievich. "On aspect of reducing bank risks of corporate loan." Vestnik of Astrakhan State Technical University. Series: Economics 2021, no. 1 (2021): 108–14. http://dx.doi.org/10.24143/2073-5537-2021-1-108-114.

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The article considers stagnation of lending by Russian commercial banks to corporate borrowers in the recent years. It has been proved that banks are more willing to invest their free credit resources in the financial sector, rather than the real sector of the economy, or place them on correspondent accounts and deposits with the Bank of Russia in the conditions of a continuing liquidity surplus, as well as taking into account the growth of overdue loan arrears. The necessity of stimulating measures at the micro-economic and macro-economic levels is justified. The basic condition for reducing
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10

POLOVA, Olena, and Hanna BALALAIEVA. "Commitments of commercial bank management." Economics. Finances. Law, no. 11/2 (November 21, 2019): 21–24. http://dx.doi.org/10.37634/efp.2019.11(2).5.

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One of the basic problems of the banking system is the resource providing for the bank activities, and so the question of the resource potential management of the institution is actual today. The article deals with the economic essence and structure of the liabilities of commercial banks. A review of the specific features of banking and bank management defines the goal in the liability management. The dynamics of the resource base of Ukrainian banks. The article deals with the overall analysis of management problems for involved and borrowed resources of banks. Attention is concentrated on fac
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11

KLYMASH, N.I., and A.A. POHUKAIEVA. "Lending to corporations: current realities and challenges." Market Relations Development in Ukraine №1(248)2022 146 (May 23, 2022): 7–15. https://doi.org/10.5281/zenodo.6574556.

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Relevance of the research topic. In today’s conditions of financial globalization, the economy of any country is unable to function successfully without corporate access to credit. Such a source of financial resources is a bank loan, which is designed to diversify the activities of economic entities, modernization of equipment and investment projects. Formulation of the problem. In order to increase the efficiency of management and ensure profitability, it is advisable for companies to study the conditions of the loan and determine the economic consequences of such financing. Setting goa
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Astrawan, I. Kadek Nova, Anak Agung Sagung Laksmi Dewi, and Luh Putu Suryani. "Penyelesaian Kredit Macet di Koperasi Sumber Kasih Desa Tangeb, Kecamatan Mengwi, Kabupaten Badung." Jurnal Preferensi Hukum 2, no. 3 (2021): 570–75. http://dx.doi.org/10.22225/jph.2.3.4015.570-575.

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Indonesia is a developing country with various kinds of economic development. Bound by government regulations, the community cannot act arbitrarily and must follow applicable norms. The government in an effort to equalize the welfare of its people creates a forum for community associations to manage their funds or borrow funds to open a business. The purpose of this study is to reveal the legal arrangements for bad loans at KSU Sumber Kasih, Tangeb village and the settlement of bad loans at KSU Sumber Kasih, Tangeb village. This research applies normative research methods. Sources of data used
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Cherkashyna, Kateryna, and Volodymyr Gubenko. "SUCCESSFUL MANAGEMENT OF THE BANK’S CREDIT ACTIVITIES." Європейський науковий журнал Економічних та Фінансових інновацій 1, no. 15 (2025): 251–61. https://doi.org/10.32750/2025-0122.

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As of today, the banking sector is one of the most risky types of economic activity. This is primarily due to the fact that banking institutions deal with borrowed and attracted funds. Their own funds, in the form of charter capital and reserves, perform protective and regulatory functions. The main task of banks is using the attracted funds as efficiently as possible. Therefore, effective management of bank credit activities will allow for profit generation and avoidance of significant losses of attracted funds. The banking sector constantly encounters new risks, posing new challenges. Among
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14

Damanik, Asmawati Halilah, Eve Ida Malau, and Richard Berlien. "Analisis Pemberian Kredit Pada PT. Bank Sumut Pematangsiantar." Jurnal Ekonomi, Akutansi dan Manajemen Nusantara 2, no. 2 (2024): 49–53. http://dx.doi.org/10.55338/jeama.v2i2.47.

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In granting credit, banks must pay attention to the principles of sound credit, including the risks that must be faced on loan repayments by customers/debtors. In a credit application, the PT. Bank Sumut Pematangsiantar Branch conducts an analysis first related to the precautionary principle, after the bank believes and trusts the customer's ability to return the borrowed funds then the credit can be disbursed. This research is a qualitative research. This research was conducted at PT. Bank Sumut Pematangsiantar Branch. This study uses the interview method. Interviews were conducted with the H
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15

KOLOTUKHA, Serhii, Nataliia HVOZDIEI, and Oksana VINNYTSKA. "Bank lending to the agricultural sector of the economy as one of the factors of economic sustainability." Economics. Finances. Law, no. 5 (May 26, 2021): 25–30. http://dx.doi.org/10.37634/efp.2021.5.6.

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Introduction. Domestic practice and foreign experience indicate that the finances of agricultural enterprises differ in certain specificities and require constant attraction of borrowed capital. The use of borrowed capital makes it possible to significantly expand the volume of economic activities of an enterprise, to ensure a more efficient use of its own funds, and to accelerate the renewal of fixed assets. In this regard, the attraction and use of borrowed financial resources is the most important aspect of the financial activities of the enterprise, aimed at achieving high final results of
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16

A, Babaskin. "Legal nature of subordinated debt of financial institutions in Ukraine." Yearly journal of scientific articles “Pravova derzhava”, no. 31 (2020): 272–81. http://dx.doi.org/10.33663/0869-2491-2020-31-272-281.

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In the article, the author argues that from the point of view of private law, the relationship that arises between the debtor (financial institution) and the creditor in attracting funds on terms of subordinated debt, is an economic relationship for attracting, respectively, loan, loan, bank deposit, which is performed on the terms of subordinated debt. Liabilities arising from borrowing on a subordinated debt basis are long-term, unsecured, repayable, and that change the order of creditors' claims to be applied in the event of the debtor's liquidation or bankruptcy. The existence of public-la
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17

Andros, S., L. Melnyk, N. Butenko, H. Zaikina, and V. Tykhenko. "Efficiency of Management of Loan Funds in the Banking Industry of Ukraine: Data of the Factor Analysis of Credit Turnover." Marketing and Management of Innovations, no. 4 (2019): 129–39. http://dx.doi.org/10.21272/mmi.2019.4-11.

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The article analyzes the rates of credit turnover by branches of the economy and by types of loans using indicators of the dynamic range, indices of average values and aggregate indicators. The purpose of the article is to provide a business case for efficiently managing credit resources in commercial banks based on a factor analysis of credit turnover by sector of the economy as a condition for optimizing a bank’s activities. The analysis of the literature shows that the management of credit resources in commercial banks is limited to the use of Western methods that are not adapted to the Ukr
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18

Zill-i-Jannat, Muhammad Abbas, and Rabia Rasheed. "Causality Assessment of Bankers’ Perceptions and Bank Specific Indicators on the Non-Performing Loans: An Empirical Analysis of the Commercial Banks of Pakistan." Journal of Business and Social Review in Emerging Economies 9, no. 4 (2023): 551–60. http://dx.doi.org/10.26710/jbsee.v9i4.2867.

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Objective: Non-performing loans have become a chronic problem in the banking industry of Pakistan over the last few decades. In this aspect, the study assessed the causal impact of Banks’ specific factors and bankers’ perceptions on non-performing loans.
 Methodology: The study is based on the data collected from 170 bankers of ten Commercial Banks of Pakistan. From bankers’ perspective, the study reported that the manager’s capability, the society’s orientation, interest waiver, and lenient credit terms have a negative impact on non-performing loans.
 Findings: In the light of findi
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19

Матвійчук, Наталія, Олена Борисюк та Софія Теслюк. "ОЦІНКА ЕФЕКТИВНОСТІ ДЕПОЗИТНОЇ ПОЛІТИКИ БАНКІВ В УМОВАХ ВОЄННОГО СТАНУ". Economic journal of Lesya Ukrainka Volyn National University 4, № 40 (2025): 94–102. https://doi.org/10.29038/2786-4618-2024-04-94-102.

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Introduction. Assessing the effectiveness of the deposit policy of Ukrainian banks in wartime is a strategically important task for ensuring the banking system's stability, maintaining public confidence, and developing the economy as a whole. Purpose: substantiation of methodical approaches to assessing the deposit policy of commercial banks of Ukraine in martial law conditions. Methods. In the research process, the following general scientific methods of knowledge were used, such as: generalization and comparison (to compare the existing methods of assessing the effectiveness of the deposit p
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20

Arkhipova, I. I. "Lending to small and medium businesses." Scientific notes of the Russian academy of entrepreneurship 21, no. 4 (2023): 65–69. http://dx.doi.org/10.24182/2073-6258-2022-21-4-65-69.

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Small and medium business is the weakest link in the Russian economy. For such enterprises, the availability of borrowed funds is the main incentive for further functioning. The article analyzes the current situation in the lending market, identifies trends, as well as factors influencing the evolution of lending to small and medium<sized businesses. In conclusion, the author gives directions for improving the state of bank lending to small and medium<sized businesses.
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21

Mahayu, Yustisia Kartika Dewi, and Tulus Sartono A. "Position of Depositors in the Bankruptcy of Multidana Savings and Loans Cooperative in Ambarawa." International Journal of Social Science and Human Research 05, no. 06 (2022): 2082–88. https://doi.org/10.5281/zenodo.6622528.

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KSP Multidana went bankrupt or disbanded, but the members’ rights who had not yet fulfilled all of the funds were returned by the cooperative, while the members who borrowed themselves had not fully returned the money borrowed by the members to date. This study aims to determine the legal consequences of the bankruptcy decision of KSP Multidana through the Semarang Commercial Court Decision Number 09/Pdt.Sus-Pailit/2017/PN.Niaga SMg jo 12/PDT.SUS-PKPU/2016/PN. Niaga.Smg for the depositor of funds, the position of the depositor as a result of the bankruptcy of the Multidana Savings and Lo
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22

Kotidis, Antonis, and Stacey L. Schreft. "Cyberattacks and Financial Stability: Evidence from a Natural Experiment." Finance and Economics Discussion Series 2022, no. 025 (2022): 1–55. http://dx.doi.org/10.17016/feds.2022.025.

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This paper studies the effects of a unique multi-day cyberattack on a technology service provider (TSP). Using several confidential daily datasets, we identify and quantify first- and second-round effects of the event. For banks using relevant services of the TSP, the attack impaired their ability to send payments over Fedwire, even though the Federal Reserve extended the time they had to submit payments. This impairment (first-round effect) caused other banks to receive fewer payments (second-round effect), leaving them at risk of having too few reserves to send their own payments (a potentia
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Khomenko, Inna, Iryna Sadchykova, and Yuliia Krasnianska. "Current approaches to the analysis of the borrowers’ creditworthiness: Ukrainian and World experience." Economics ecology socium 3, no. 1 (2019): 48–55. http://dx.doi.org/10.31520/2616-7107/2019.3.1-5.

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Introduction. Non-repayment of loans by borrowers not only jeopardizes the profitability of banking structures, but also the ability to calculate them under liabilities - deposit and borrowed funds. This situation is dangerous for the entire banking sector of the country, as it raises a number of acute problems: imbalance of loan and deposit portfolio by volumes and terms; distrust of the population to commercial banks, financial destabilization in the state as a whole, and others like that.
 Aim and tasks. The main purpose of this work is to study modern domestic and foreign approaches t
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Dulal, Ambika Prasad, Subash Kumar Katwal, and Md Samim Khan. "Impact of Financial Leverage on the Performance of Nepalese Commercial Banks." Koshi Pravah: Multidisciplinary Peer Reviewed Journal 2, no. 1 (2023): 1–12. http://dx.doi.org/10.3126/koshipravah.v2i1.67120.

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The objective of this study is to investigate the impact of bank leverage on performance (profitability) of Nepalese commercial banks. Banks are highly leveraged institutions; so, it is an important task to measure the relation between banks’ degree of financial leverage and performance. The sample size of this quantitative research guided by positivist research philosophy was twenty commercial banks of Nepal. The study has sought to explore the relationship between independent variable (debt ratio, DR & debt equity ratio, DER) and the dependent variables (net interest margin, NIM, return
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25

Zhirnel, E. V. "Features of the Russian Small and Medium-sized Enterprise Lending Market at the Present Stage." Administrative Consulting, no. 11 (January 8, 2021): 77–92. http://dx.doi.org/10.22394/1726-1139-2020-11-77-92.

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Lending is one of the factors in the development of small and medium-sized businesses. In recent years, the Russian state has made serious efforts to increase the availability of borrowed funds for business and uses the lending market as a tool to accelerate economic growth. The work shows that the same mechanism works as one of the most rapid and effective in the implementation of anti-crisis policies, which can be observed, including during the 2020 pandemic.The purpose of the study is to identify the features and problems of the modern stage of the development of the lending market for smal
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Konovalova, Natalia, and Aina Caplinska. "Financial Resources Management in Commercial Banks: Evidence From Latvia." International Journal of Financial Research 12, no. 1 (2020): 369. http://dx.doi.org/10.5430/ijfr.v12n1p369.

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Financial resources management issues are relevant for each commercial bank. Those banks that operate with an excess of free financial resources lose profitability, but the liquidity of such banks is quite high. Other banks that conduct aggressive policy aiming to place all the available resources with maximum efficiency, are forced to seek solutions to the problem of locating additional liquid funds, in order to ensure timely fulfilment of liabilities. In this article, the authors analyze the state of the resource base of Latvian commercial banks, identify reserves for increasing the efficien
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Timofeeva, Tatiana F., and Inna N. Skuratova. "ISSUES OF PROTECTING CITIZENS' RIGHTS IN THE FIELD OF FINANCIAL SERVICES." Oeconomia et Jus, no. 4 (December 27, 2023): 96–103. http://dx.doi.org/10.47026/2499-9636-2023-4-96-103.

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Today, in the Russian Federation, situations of violating the rights and interests of consumers of financial services are quite often allowed, which negatively affects the economic situation of citizens and undermines confidence in the banking system of the state. The purpose of the study is to analyze the judicial practice and to develop recommendations for consumers of savings services and services on providing borrowed (credit) funds, compliance with which will significantly reduce the risks arising from concluding and executing bank deposit and loan agreements. Materials and methods. The m
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Simakov, Konstiantyn, and Kateryna Fedorenko. "Banking Interest and Discount Policy as a Tool for Monetary Regulation of Price Stability." Herald of the Economic Sciences of Ukraine, no. 2(39) (2020): 152–57. http://dx.doi.org/10.37405/1729-720.2020.2(39).152-157.

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The article examines the current state and prospects and directions of development of the bank’s monetary policy. An important problem of financial management in today’s market conditions is an effective monetary policy that links the required volumes of banking product with the acceptable overall level of rates and the relative value of the net interest spread and margin. Equilibrium monetary policy combines the rates of borrowed and placed funds with the strategic objectives of the development of banking institutions, maintaining their profitability and financial stability. The essence of th
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Stepanov, Oleg, and Denis Pechegin. "Failure to repatriate funds in foreign currency from abroad and modern issues of currency regulation." Bratislava Law Review 2, no. 1 (2018): 26–35. http://dx.doi.org/10.46282/blr.2018.2.1.94.

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The monetary policy of the European Union has recently undergone changes that cannot but have an impact on national economies. Thus, starting in 2018, the new rules for calculating the liquidity of banks and the ratio of borrowed funds to assets will come into full force in the European Union. Several large banks in France, dissatisfied with the policy of the European Central Bank (ECB), even appealed to the European Court of Justice for a change in the rules. Meanwhile, this is another step towards establishing financial transparency and strengthening the banking system. Meanwhile, at the int
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Магомедов, М. А., and А. Р. Махмудова. "Profitability of a commercial bank and its impact on financial stability." Экономика и предпринимательство, no. 3(140) (June 17, 2022): 731–36. http://dx.doi.org/10.34925/eip.2022.140.03.134.

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Статья посвящена исследованию прибыльность коммерческого банка и его влияния финансовую устойчивость. На основе анализа активов и пассивов, кредитного портфеля, привлеченных средств, собственного капитала и нормативов его достаточности дана оценка финансовой устойчивости на примере коммерческого банка ПАО «Сбербанк». Обоснованы возможности увеличения прибыльности банковской деятельности на основе оценки состояния финансовой устойчивости коммерческого банка. The article is devoted to the study of the profitability of a commercial bank and its impact on financial stability. On the basis of analy
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Asshidiqqi, Khatami, Sucipto Sucipto, and Bambang Kurniawan. "MANAJEMAN PENGELOLAAN BANK WAKAF MIKRO DALAM PEMBERDAYAAN EKONOMI UMAT (STUDI BANK WAKAF MIKRO PONDOK PESANTREN AS’AD KOTA JAMBI)." Manajemen Keuangan Syariah 3, no. 2 (2023): 75–83. http://dx.doi.org/10.30631/makesya.v3i2.2011.

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This research is entitled Management of Micro Waqf Banks in Empowering the People's Economy. In this research the Micro Waqf Bank (BWM) is a Sharia Microfinance Institution that is registered and supervised by the Financial Services Authority (OJK) which aims to provide access to capital services for low-income people who do not yet have access to financial institutions and ease the burden on people who are ensnared by moneylenders. Micro Waqf Banks also play a role in empowering the community and the community of women around Islamic boarding schools by encouraging the development of their bu
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Banu, Mosa, Anima Karmakar, Kaniz Afrin, Tamal Chakrobortty, and Tasnia Afrin. "Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh." International Journal of Economics, Finance and Management Sciences 12, no. 3 (2024): 172–84. http://dx.doi.org/10.11648/j.ijefm.20241203.14.

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Purpose-The Russia-Ukraine conflict and 19 pandemics have severely damaged the world economy. Banking institutions are crucial to the functioning of any economy, and their financial standing is a vital indicator of the economy's stability. Any major development, be it political or economic, has an impact on the banking industry. The dollar rate's volatility and other issues hurt the GDP. Therefore, the study examines banking performance in vulnerable global situations before and during the pandemic. This study utilizes 7 years of panel data to analyze global financial crisis
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Arodi, Jeff O., Winnie I. Nyamute, Kennedy O. Okiro, and Caren M. B. Angima. "Funding Sources, Competitiveness and Performance of Commercial Banks in Kenya." European Journal of Business and Management Research 8, no. 3 (2023): 270–78. http://dx.doi.org/10.24018/ejbmr.2023.8.3.1996.

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The nature of the funding source a commercial bank decides to adopt is a key performance determinant. Ideally, banks make use of either shareholders’ equity, borrowed funds, or customers' deposits to finance their operations. The liberalization in the sector has made it possible for many players to exist and as a result, each player has had to come up with a unique competitive way that allows them to attract and retain the best funding sources capable of yielding positive performance. Much as there are studies that have sought to investigate the concept of funding and performance among commerc
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Innocents Edoun, Emmanuel, and Dikgang Motsepe. "Critical assessment of Highly Indebted Poor Countries (HIPIC) Initiative in Africa and the Implication of the New Partnership for Africa’s Development (NEPAD) (2001-2016): a theoretical perspective." Investment Management and Financial Innovations 13, no. 3 (2016): 380–86. http://dx.doi.org/10.21511/imfi.13(3-2).2016.10.

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Many African countries have been struggling to achieve sustainable economics in order to contribute in putting Africa in the path for socio-economic development. This is partly due to the burden of debt that hangs over many African countries that borrowed funds from multilateral partners irresponsibly. As a result of this, the International Monetary Fund (IMF) and the World Bank put in place in 1996 a strategy to provide debt relief to countries that were struggling to repay their debts. This debt relief initiative was reviewed in 1999 to provide adequate results. This paper is, therefore, a c
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POLYATKOVA, E. A. "PROBLEMATIC ISSUES OF MANAGING THE PROCESS OF INVESTING IN INNOVATIVE DEVELOPMENTS OF MILITARY-INDUSTRIAL ENTERPRISES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3, no. 12 (2020): 79–83. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.03.010.

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The enterprises of the military-industrial complex, whose main income comes from the state defense order, under the conditions of the current pricing for products supplied to state customers, do not form a sufficient amount of net profit, which could be used for investment in research and development. This fact also causes difficulties in attracting bank loans and other borrowed funds to finance such projects. This article describes the practical experience of a holding company in the ammunition industry in managing the process of investing in innovative developments and problematic issues con
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Purna Man Shrestha and Rajesh Gurung. "Exploring the Bank-Specific and Macroeconomic Determinants of Capital Structure: Evidence from Nepalese Commercial Banks." Pravaha 29, no. 1 (2023): 159–67. http://dx.doi.org/10.3126/pravaha.v29i1.71416.

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Background: Capital structure, i.e., the mixture between borrowed funds and shareholders’ equity of a firm, is the major concern of financial management. It is affected by several internal and external factors. A firm's capital structure performs vital contribution in shaping profitability. Every firm must identify the factors influencing its capital structure. Objectives: This research focuses on identifying the key drivers of the capital structure of Nepalese commercial banks using profitability (ROA), bank size [Ln(TA)], and liquidity (LIQ) as bank-specific variables, actual gross domestic
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Исомов, Б. С. "Вопросы формирования ресурсов и финансирования реальных инвестиций". Экономика и предпринимательство, № 4(177) (16 березня 2025): 508–14. https://doi.org/10.34925/eip.2025.177.4.084.

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В данной статье рассматриваются вопросы аккумулирования финансовых ресурсов и финансирования реальных инвестиций экономического и социального назначения. В нем анализируется процесс привлечения финансовых средств из таких разнообразных источников финансирования, как собственные средства предприятий, банковские долгосрочных кредиты, иностранные инвестиции, облигационные займы и другие формы заемного капитала позволяют компаниям реализовывать инвестиционные проекты. Посредством этих средств можно обеспечивать развитие регионов и отраслей, национальной экономики в целом, а также рост основных про
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Saifuddin, Ahmad. "ANALYSIS OF FACTORS AFFECTING INTEREST RATE IN INDONESIA." MARGINAL JOURNAL OF MANAGEMENT ACCOUNTING GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 2, no. 1 (2022): 207–16. http://dx.doi.org/10.55047/marginal.v2i1.377.

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The interest rate is the cost of borrowing or the price paid for borrowed funds. The interest rate is one of the important aspects in the banking world. This study aims to examine the influence of factors related to interest rate fluctuations set by Bank Indonesia. To examine the factors that affect interest rates in the short and long term. By using the independent variables of inflation, exchange rate, and also the money supply M2. The study was conducted using the Error Correction Model (ECM) method and secondary data for the period from 2019 to 2021. The results showed that all independent
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Manamgoda, Manamgoda Gamage Nimantha, B. A. K. S. Perera, and Colombapatabendige Savindi Ranthika Perera. "Impact of interest rates of bank loans on road construction: the case of Sri Lanka." Journal of Engineering, Design and Technology 16, no. 4 (2018): 518–32. http://dx.doi.org/10.1108/jedt-12-2017-0133.

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Purpose Infrastructure systems play a dominant role in the economic growth of countries. Projects involved with the construction of roads, which is vital for the development of a country, are financed mainly using borrowed funds because of the reliability of debt financing. The cost of borrowing is the interest that has to be paid. In Sri Lanka, there is a high tendency for interest rates of bank loans to fluctuate, and this makes the road projects in the country that are funded with borrowed money to be highly risky. Thus, this paper aims to identify the impact of bank loan interest rates on
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Cordor, James K., and Genesis B. Kollie. "Financial Development, Governance and Economic Growth: A Causal Analysis." International Journal of Economics and Finance 16, no. 8 (2024): 84. http://dx.doi.org/10.5539/ijef.v16n8p84.

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This study seeks to establish the causal relationships among variables of financial sector development, governance quality, and economic growth in Liberia. To achieve this objective, the researchers gathered secondary time series data from the World Development Indicators and the Worldwide Governance Indicators covering the period 1980 to 2019. The Autoregressive Distributed Lag (ARDL) Model and the Granger Causality Test were used for estimations. The estimation results (particularly the Granger Causality Test) found a uni-directional causal relationship flowing from financial sector developm
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Adegbie, Festus Folajimi, Emmanuel Dare Otitolaiye, Theophilus Anaekenwa Aguguom, and Ademola Ajayi. "Public Debt Management and Economic Growth in Nigeria." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 19 (April 29, 2022): 1046–60. http://dx.doi.org/10.37394/23207.2022.19.92.

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Globally, when various channels of revenue available to the government fail to yield adequate resources to handle government expenditure or financial responsibilities, the government resorts to borrowing as an alternative source to complement revenue from taxes and other sources. However, the inability to optimally utilize borrowed funds had resulted in a high public debt profile and had retarded the economic growth of the Nigerian economy over the years. Consequently, this study investigated the effect of public debt management on economic growth in Nigeria. An ex-post facto research design w
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Sobolev, A. S., V. Yu Konyukhov, T. Ya Druzhinina, and V. N. Tarakanovskaya. "Evaluation of startups through Internet platforms." Journal «Izvestiya vuzov Investitsiyi Stroyitelstvo Nedvizhimost» 13, no. 3 (2023): 433–41. http://dx.doi.org/10.21285/2227-2917-2023-3-433-441.

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The situation in the venture capital market is continually changing, as evidenced by the statistics on the use of venture investment pools. Experienced investors, reducing their risks, give preference to firmly established startups that are at intermediate and late stages of development, as well as those in the sphere of IT development and high technologies. This approach leads to a situation when investors do not notice quite a number of interesting, impressive and promising projects at their early and seed stages. In this regard, it is relevant to consider some methods aimed at the evaluatio
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Kapshukov, A. P., and V. S. Kondratkova. "Modern sources of financing the operating activities of an economic entity." Innovative Economics and Law, no. 4 (2023): 111–18. http://dx.doi.org/10.53015/2782-263x_2023_4_111.

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Subject. Finding additional capital for the operational needs of a company is an important task faced by managers and business owners. Funds are usually needed to manage the cash gap, flexibility in unforeseen conditions, and rapid growth in a competitive environment. There are many sources of business finance available, from traditional bank loans to government grants and private investors. Goal. Studying the features of traditional and alternative methods of financing the operating activities of a business entity. Method or methodology. In the course of the work, general scientific methods w
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Vovk, V. A., and O. V. Havrylchenko. "Formation of Directions for Increasing the Investment Attractiveness of Enterprise on the Basis of Methods of Economic-Mathematical Modeling." Business Inform 3, no. 530 (2022): 38–48. http://dx.doi.org/10.32983/2222-4459-2022-3-38-48.

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The article is aimed at defining the general directions for increasing the investment attractiveness of a construction enterprise on the basis of the use of economic-mathematical methods that allow taking into account the real state of the enterprise along with the impact of the external environment, and forming the main trends for the short term. On the basis of factor analysis, the main factors of influence on the investment activity of the enterprise are determined. On the grounds of the defined factors, the main directions for increasing the level of investment attractiveness of the enterp
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Safkaur, Otniel, and Lesi Hertati. "PERUBAHAN STRUKTUR MODAL MENYEBABKAN PERUBAHAN KINERJA KEUANGAN." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 9, no. 2 (2020): 93–106. http://dx.doi.org/10.34010/jika.v9i2.2713.

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This research is conducted at Foreign Banks in Indonesia Data analysis techniques used is SEM. The results showed that changes in capital structure caused changes in financial performance. Problems between company managers and lenders and problems between company managers and company owners. The problem between company managers and creditors lies in the company's inability to return borrowed funds due to the misconduct or decisions of company managers. The role of the capital structure of financial institutions is similar to other non-financial companies where some of the opinions were based o
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Bidabad, Bijan, and Mahmoud Allahyarifard. "It-Based Usury Free Financial Innovations." American Finance & Banking Review 4, no. 1 (2019): 39–49. http://dx.doi.org/10.46281/amfbr.v4i1.289.

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Despite development and extension of different ways of financing in financial markets, encompassing Islamic and conventional financing, the mechanism of Electronic Funds Transfer (EFT) of project financing both as borrowed and non-borrowed methods has not been considered at most. Moreover overall IT infrastructures development namely Real Gross Settlement System (RTGS), Automatic Clearing House (ACH), Scriptless Security Settlement System (SSSS) and International Bank Account Number (IBAN) for authentication process and the international meta bank network of Single Euro Payment Area (SEPA) and
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Tumwine, Sulait, Samuel Sejjaaka, Edward Bbaale, and Nixon Kamukama. "Determinants of interest rate in emerging markets." World Journal of Entrepreneurship, Management and Sustainable Development 14, no. 3 (2018): 267–90. http://dx.doi.org/10.1108/wjemsd-10-2017-0070.

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Purpose The purpose of this paper is to investigate the determinants of interest rate in emerging markets, focusing on banking financial institutions in Uganda. Design/methodology/approach Using the net interest margin model, interest rate was estimated by applying a panel random effects regression method on 24 banks, while controlling for bank-specific factors, industry and macroeconomic indicators. Data were drawn from annual reports provided by Bank of Uganda Depository Corporation survey from 2008 to 2016. Findings The results indicate that liquidity, equity capital, market power and reser
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Knyazev, Yuriy Konstantinovich. "Economic causes and social consequences of living in debt." Social'naja politika i social'noe partnerstvo (Social Policy and Social Partnership), no. 3 (March 15, 2023): 149–56. http://dx.doi.org/10.33920/pol-01-2303-02.

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Life on loan is increasingly becoming a habitual way of life not only for many people, but also for entire states. This phenomenon of modern reality requires scientific explanation and practical understanding in order to identify its possible consequences and prevent negative effects. This article is an attempt to contribute to the clarification of this issue. Living in debt is satisfying needs not from your own current income, but at the expense of borrowed funds. If this happens by borrowing the missing funds before the next salary without interest or with a small rate, this practice is caus
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Misnik, Olessya, Nurilya Kuchukova, Zhanar Lukpanova, and Aisulu Kulmaganbetova. "Forecasting the Impact of the Structure of Financing Sources on the Results of Production Activity in Agriculture." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 21 (March 1, 2024): 708–18. http://dx.doi.org/10.37394/23207.2024.21.59.

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The study conducted to assess the impact of the source of financing on the results of production activities of small and medium-sized businesses in agriculture in Kazakhstan is presented in the article. When building the model, the authors used the method of correlation and regression analysis, including calculations of pairwise regression, as well as the method of building statistical equations. Statistical data on the volume of financing of SMEs in agriculture by way of own funds, government resources (concessional lending, subsidies, and leasing), and non-state sources of financing such as
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Bendravičienė, Rita, and Natalia Romaniuk. "Economic Justification of the Investment Project of Constructing Objects of Mining and Processing Enterprise." Advanced Engineering Forum 22 (May 2017): 135–42. http://dx.doi.org/10.4028/www.scientific.net/aef.22.135.

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Methodical approach to assessing the investment programs of capital construction of technological facilities is suggested. It takes into account the specifics of the mining and processing enterprises. The ability to use borrowed funds as a source of financing is considered. The investment schedule of commissioning the crushing and shifting point is formed. It reflects the cash flows of the bank and mining and processing enterprise. Program of implementation of the investment projects is developed. It consists of four stages: the first stage – preparatory works; the second stage – beginning of
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