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Dissertations / Theses on the topic 'Business Development Bank of Canada'
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Kinuthia, Wanyee. "“Accumulation by Dispossession” by the Global Extractive Industry: The Case of Canada." Thèse, Université d'Ottawa / University of Ottawa, 2013. http://hdl.handle.net/10393/30170.
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This thesis draws on David Harvey’s concept of “accumulation by dispossession” and an international political economy (IPE) approach centred on the institutional arrangements and power structures that privilege certain actors and values, in order to critique current capitalist practices of primitive accumulation by the global corporate extractive industry. The thesis examines how accumulation by dispossession by the global extractive industry is facilitated by the “free entry” or “free mining” principle. It does so by focusing on Canada as a leader in the global extractive industry and the spread of this country’s mining laws to other countries – in other words, the transnationalisation of norms in the global extractive industry – so as to maintain a consistent and familiar operating environment for Canadian extractive companies. The transnationalisation of norms is further promoted by key international institutions such as the World Bank, which is also the world’s largest development lender and also plays a key role in shaping the regulations that govern natural resource extraction. The thesis briefly investigates some Canadian examples of resource extraction projects, in order to demonstrate the weaknesses of Canadian mining laws, particularly the lack of protection of landowners’ rights under the free entry system and the subsequent need for “free, prior and informed consent” (FPIC). The thesis also considers some of the challenges to the adoption and implementation of the right to FPIC. These challenges include embedded institutional structures like the free entry mining system, international political economy (IPE) as shaped by international institutions and powerful corporations, as well as concerns regarding ‘local’ power structures or the legitimacy of representatives of communities affected by extractive projects. The thesis concludes that in order for Canada to be truly recognized as a leader in the global extractive industry, it must establish legal norms domestically to ensure that Canadian mining companies and residents can be held accountable when there is evidence of environmental and/or human rights violations associated with the activities of Canadian mining companies abroad. The thesis also concludes that Canada needs to address underlying structural issues such as the free entry mining system and implement FPIC, in order to curb “accumulation by dispossession” by the extractive industry, both domestically and abroad.
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Apiri, Tonye Richard. "Loan performance and default rate of financing SME's by microfinance bank: a case study of Accoin Microfinance Bank PLC." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/95646.
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Thesis (MDF)--Stellenbosch University, 2013.This study examines the default rate and performance of Microfinance bank (MFBs) loans to Small and Medium Enterprises (SMEs) in Nigeria based on the case study of Accion Microfinance Bank Limited (AMFB), Lagos State. Responses from 150 employees of AMFB revealed that the causes of default rate and performance of SMEs reflect the risk and vulnerability of the SME sector in Nigeria. It further showed that MFBs apply stringent credit criteria in granting loans to SME borrowers, coupled with the existing high cost of funds. The attitude, lack of transparency on the part of SME owners and fund diversion were identified as major factors responsible for the high default rate among SME borrowers. These and other factors warrant the need for further study in the areas of the impact of MFB loans on SME development given the new revised microfinance policy framework in Nigeria.
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Smart, Graham. "An ethnographic study of knowledge-making in a central bank : the interplay of writing and economic modelling." Thesis, McGill University, 1997. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=35619.
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A major contribution of research in workplace literacy has been to explore the part that writing plays in the knowledge-making practices of various professional groups. While such enquiry has revealed that writing is essential to the creation and use of specialized knowledge in the professions, it also points to the need to see writing as part of a larger network of symbolic activity. Researchers have shown that practitioners in certain professions---for example, engineering and architecture---do not produce knowledge solely through the social negotiations of language; rather, acts of writing and reading merge with other symbol-based practices in larger processes of knowledge-making.A promising area for further research in this regard is the field of economics, where knowledge is constituted through a discourse combining language, mathematics, and visual forms such as graphs. The study reported here examines a particular site of such knowledge-making: the Ottawa head office of the Bank of Canada. Employing an ethnographic methodology that included interviews, informal conversations, on-site observations, reading protocols, tape-recorded meetings, and text analysis, the study examines an ongoing, writing-intensive activity known in the Bank as the "monetary policy process," in which the institution's economists generate knowledge about Present and probable future conditions in the Canadian economy and use this knowledge in formulating and implementing policy.
The central question guiding the study is this: what is the nature of the intellectual collaboration that enables the Bank's economists to transform large amounts of statistical data into focused written knowledge about the Canadian economy and then use this knowledge in making decisions about monetary policy? The study shows that the "monetary policy process" can be viewed as a communal activity in which the economists employ a set of written genres in combination with mathematical models---most importantly, the computer-run Quarterly Projection Model---to carry out their work. The joint, intermeshed use of writing and modelling gives rise to a distinctive pattern of social interaction and a style of collective thinking that allow the economists to produce specialized knowledge about the economy and apply this knowledge to decision-making.
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Townson, Christopher John William. "Information system development methods : the search for order and control in information systems development in a UK bank." Thesis, Lancaster University, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.274201.
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Ioannou, Myria. "The development of bank-client relationships : a comparison between the consumer and the business context." Thesis, University of Manchester, 2009. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.503071.
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Sheehama, Gerhardt K. H. "Evaluation of financial performance of Development Bank of Namibia (2003 - 2007)." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/893.
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Thesis (MDF (Development Finance))--University of Stellenbosch, 2009.ENGLISH ABSTRACT: The main aim of this study, firstly, is to evaluate the financial performance of the Development Bank of Namibia (DBN) over the period of 2003 to 2007. Secondly, the study aims to compare financial performance of the Development Bank of Namibia with the Development Bank of Southern Africa during the same period. In recent years, there has been a number of criticisms raised against the Development Bank of Namibia. These have been noted by the political appointment of the top management in the bank who has no experience in monitoring of the funds and development projects (World Bank, 2003). In addition, the bank has been criticized for poor performance, in terms of very low returns due to poor procurement performance and weak performance of project management units (African Development Bank, 2005). The bank has also been seen undermining people's human rights through funded projects which were only given to those people who are politically connected or comrades (The Namibian, 2002). Two financial statements of the Development Bank of Namibia, namely the Income Statement and Balance Sheet of the period of 2003 to 2007, are used to evaluate the financial performance of the bank. Trend analysis, monitoring and evaluation reports, financial ratios and statistical tools are employed to conduct this study. Trend analysis, financial ratios and statistical tools indicated that there was no evidence to infer that the Development Bank of Namibia did perform poorly during 2003 to 2007. However, monitoring and evaluation reports indicated that there was inefficiency in terms of bank operations.
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Mawocha, Tineyi Emmanuel. "The disintermediation of commercial banks by non-bank financial institutions in Swaziland." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/985.
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Thesis (MDF (Development Finance))--University of Stellenbosch, 2009.ENGLISH ABSTRACT: This research is influenced by and starts from the work carried out by the IMF in Swaziland, wherein they comment about the significant growth in the use of savings and credit co-operatives compared with that of commercial banks. They also report the lack of growth of the financial sector resulting in sluggish economic growth. This report sets out to establish through a survey, the attitude of the Swazi public towards commercial banks, and to establish if indeed there is a deliberate move away from commercial banks to non-bank financial institutions in general. In the process the reasons for migrating from commercial banks are established. In addition, the ultimate use of funds borrowed in general, is also investigated. Specifically for those people who use non-bank financial institutions (NBFIs), the research further probes the uses of such funds, and whether or not such funds are likely to affect economic growth. The survey is augmented by results from questionnaires responded to by selected microfinance institutions (MFIs) as a means of cross-checking and validating results obtained from the public survey. Findings are that in Swaziland, while the growth of savings and credit co-operatives (SACCOs) is acknowledged, there does appear to be a tendency to still use commercial banks by the economically active population. Borrowing tends to be for school fees, followed by the purchase of building materials for constructing rural homes on ancestral land, as well as for personal use and business activities. It also appears that the majority of users of financial intermediaries are civil servants, which comes as no surprise as government is the largest employer. The conclusion is that Swaziland’s problems with sluggish economic growth appear to be from more than a shallow financial sector, but a myriad of other reasons that have not been explored in this study.
AFRIKAANSE OPSOMMING: Die navorsing is gebaseer op die uitkoms van die werk uitgevoer deur die Internasionale Monetêre Fonds (IMF) as vertrekpunt, waarin hulle meer beduidende groei in die gebruik van spaar en krediet-kooperatiewe gevind het in vergelyking met die trae groei in die gebruik van kommersiële banke. In dieselfde verslag haal hulle ook aan dat die gebrek aan voldoende groei in die finansiële sektor onderliggend is aan die stadige ekonomiese groei. Hierdie verslag bepaal deur middel van ‘n opname, die gesindheid van die Swazi-publiek teenoor kommersiële banke om vas te stel of daar ‘n opsetlike voorkeur vir nie-finansiële instellings is, bo kommersiële banke. Die studie ondersoek ook die spesifieke gebruik en toepassing van fondse verkry vanaf nie-finansiële kooperatiewe en of die gebruik daarvan ‘n negatiewe impak op ekonomiese groei het. Die uitkoms van hierdie ondersoek word bevestig deur die bevindinge van vraelyste wat deur geselekteerde mikro-finansiële instellings voltooi is, te vergelyk met die bevindinge van publieke opnames. Die bevindinge vir Swaziland is dat alhoewel daar groei is in die spaar-en krediet-kooperatiewe, daar steeds ‘n tendens onder die ekonomies aktiewe populasie is om gebruik te maak van kommersiële banke. Lenings word hoofsaaklik gebruik vir die befondsing van skoolgelde, daarnaas vir die aankoop van boumateriaal vir die konstruksie van landelike huise in voorvaderlike gebiede wat deur stamleiers toegeken word, sowel as vir persoonlike gebruik en besigheidsfinansiering. Dit wil ook voorkom asof die meerderheid van die leners staatsamptenare is. Dit is te verwagte, aangesien die regering die grootste werkgewer is. Die gevolgtrekking van die ondersoek is dat Swaziland se trae ekonomiese groei meer onderliggende beperkende oorsake het as bloot net die oppervlakkige uitwerking van die (kommersiële) finansiële sektor. Hierdie onderliggende redes word nie verder ondersoek as deel van hierdie studie nie.
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Pernell, Kimberly Elizabeth. "The Causes of the Divergent Development of Banking Regulation in the U.S., Canada, and Spain." Thesis, Harvard University, 2016. http://nrs.harvard.edu/urn-3:HUL.InstRepos:33493457.
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Why did different countries create different systems of banking regulation in the years leading up to the recent global financial crisis, despite adhering to the same transnational regulatory agreement, the 1988 Basel Capital Accord? Using over 5000 pages of archival material and in-depth interviews with regulators and industry participants, I answer this question by tracing the historical development of banking regulation (1780-2007) across three countries that were all parties to the Basel Capital Accord: the U.S., Canada, and Spain. The conventional wisdom is that banking regulation either follows universal principles of efficiency or reflects the power and interests of the regulated industry. I offer a very different explanation: that regulators from different countries adopted different policies because they subscribed to fundamentally different conceptions of economic order, which can be traced back many decades in each country.Sociology
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Amupolo, Hellen. "Investigating the challenges of financing small and medium enterprises in construction: with specific reference to the Development Bank of Namibia." Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/95651.
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Thesis (MDF)--Stellenbosch University, 2013.The Small and Medium Enterprises (SMEs) within the construction industry are presenting challenges to both industry and financial institutions in Namibia. The Development Bank of Namibia’s (DBN) investments in the construction industry yield mixed results, which have become worrisome. The percentage of non-performing loans within the construction portfolio continues to rise, hence a suitable contractor-financing model is required in order to advance financial resources and capacitate the contractor for their own development. The challenges of SMEs in construction business point to the need for the integration of knowledge from fields as diverse as business, finance, management and technical skills. This integration necessitates the need to create an enabling environment in which they can persevere. Understanding and experiencing these challenges, this researcher from the Development Bank of Namibia has taken the initiative to establish advanced financial solutions mainly for SMEs in the construction industry through the Bridging Finance Facility (BFF). This research report compiled findings gathered through the investigation of challenges impeding the success of SMEs, with a specific focus on SMEs engaged in the construction industry. A review of their satisfaction levels pertaining to the DBN’s application requirements, the adequacy of the BFF, mentoring, training, and client relationship support were some of the aspects investigated. The report also brought to the fore the bank’s internal lending processes that are currently in place. The main findings revealed that technical capacity, mentoring and training remain key shortcomings faced by SME’s. This matches the bank’s internal credit assessment processes that do not address the assessment of technical capacity sufficiently. The research found that the standard BFF induction program being implemented by the bank, and credit assessment turnaround times remain challenges for the DBN. Interestingly, road contractors were found to be a less risky portfolio group to finance in comparison to building contractors. The objectives of the document are in accord with the DBN’s overall strategic priorities, namely financial sustainability, stakeholder satisfaction and business development. Fundamental to the success of these investigations with the SMEs challenges was the use of the sets of structured questionnaires tailored to a selected sample of road and building contractors, consultants, quantity surveyors and architects as well as interviews with senior management at the DBN.
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Oguntoyinbo, Mojisola. "Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB)." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/21643.
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Thesis (MDF)--Stellenbosch University, 2011.The research report provides a credit risk assessment and evaluation of Accion Microfinance Bank Limited (AMFB) for the period 2006 to 2010, using Morgan Stanley’s methodology for analysing the credits and performance ratings of microfinance institutions (MFIs). Since MFIs are set up to provide credit and other financial services to the poor, financially underserviced segment of the society, and since the credit support granted to such micro businesses usually lacks collateral, it is imperative that the management of such credit services be sound in order to mitigate the high risks involved. Thus, credit risk management determines the success and survival of microfinance banks (MFBs): weak credit management leads to capital erosion and eventual failure, whereas sound credit risk management guarantees profitability and sustainability and, hence, the realisation of the objectives of their setup – enhancing the welfare of micro-entrepreneurs. The data for the research report were sourced from AMFB’s financial statements for the years 2006 to 2010 and from interviews that were conducted with principal officials of this MFB. The research found that good regulatory corporate governance and management practices, sound quantitative credit risk assessment and management, and quality and maturity of management lead to low credit risk accompanied by high profitability and sustainability for MFBs. As AMFB matured, the quality of portfolio, profitability, sustainability and operating efficiency were seen to increase. The quality of shareholders, board and management was found to be crucial for the sound management of the MFB. The research report, therefore, recommends regular and continuous credit risk identification, assessment and management, as well as sound corporate governance, if MFBs are to survive and grow and achieve their developmental objectives.
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Mwesige, Patrick Keith. "Bretton Woods conditionality : the cause of progression or retrogression in Uganda's quest for economic growth and development." Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50291.
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Thesis (MBA)--Stellenbosch University, 2005.Some digitised pages may appear illegible due to the condition of the original hard copy.
ENGLISH ABSTRACT: Today, the issue of poverty reduction is central to the development process. This is particularly so because developing countries and the donors that prop up many of these countries' economies have come to realize that not all impressive economic gains, where they occur in the developing countries, are translated into improvement in the people's welfare. The Bretton Woods institutions have also been under attack from an everincreasing body of research for neoliberal policies that inform their prescriptions to poor clients. It is alleged that the IMFlWorld Bank's conditionalities and austerity measures have exacerbated poverty in developing countries. The main issue in this study is whether the IMFlWorld Bank policy prescriptions to Uganda have led to economic growth and helped to pull the country out of poverty or whether they have impoverished its people even further. The other question for this research to answer is whether poverty in Uganda is on the increase or whether it is just a matter of perception. This study is based on information obtained from various books, academic journals and papers, NGO reports, government publications, electronic media reports, and IMFlWorld Bank working papers and reports. This study has been able to observe that the Bretton Woods institutions have succeeded in revitalizing Uganda's economy, although the country is yet to see sustainable economic growth. Although the privatization process was riddled with corruption, the country benefited from the reforms through efficiency gains. Similarly, people who grow only food crops have not benefited from liberalization, but those who grow cashcrops (except cotton) have generally benefited from it. The study has confirmed that some of the Bretton Woods institutions' conditionalities, e.g. retrenchment, have caused poverty among some Ugandans and cost sharing has increased the severity of poverty among Uganda's poor. The study has also confirmed that the inequality gap has widened. The income poverty that was receding between 1992 and 1997 has since 2000 made a comeback. The study also reveals that other qualitative forms of poverty e.g. powerlessness and social seclusion, are widespread in Uganda. However, the study has not found sufficient evidence to directly link the increasing poverty in Uganda to the Bretton Woods institutions' policies. Finally, it is recommended that to mitigate the effects of poverty, the release of poverty reduction funds should not be pegged on conditionality. However, conditionality should be imposed on non-essential government expenditure.
AFRIKAANSE OPSOMMING Armoedeverligting is vandag 'n kernkwessie in die ontwikkelingsproses. Hierdie waarneming is spesifiek van belang deurdat ontwikkelelende lande, en die skenkers wat sommige van hierdie ekonomieë steun, besef het dat indrukwekkende ekonomiese vooruitgang nie noodwendig tot 'n verbetering in lewens-standaarde lei nie. Die Bretton Woods instellings word al hoe meer gekritiseer oor hulle voorskriftelike neoliberale beleide. Daar word beweer dat die IMFlWêreldbank se voorwaardes en onbuigbaarheid reeds gelei het tot armoede in sommige ontwikkelende lande. Die hoof-ondersoek in hierdie studie handeloor die vraag of die IMF/ Wêreldbank-beleidsvoorskrifte Uganda aangespoor het tot ekonomiese groei en so gehelp het om die land uit armoede to help, en of dit nie dalk die landsburgers verder verarm het nie. Die tweede vraagstuk in hierdie studie is of armoede aan die toeneem is in Uganda en of dit dalk nie net 'n kwessie van persepsie is nie. Die navorsing vir hierdie werkstuk is gebaseer op verskeie boeke, akademiese joernaal-artikels en refererate, verslae van nie-winsjagende organisasie, regeringspublikasies, elektronies media verslae, en IMFlWêreldbank konsepartikels en verslae. Die studie het gevind dat die Bretton Woods instellings wel daarin geslaag het om lewe te blaas in die Ugandese ekonomie, maar dat die land steeds nie volhoubare ekonomiese groei behaal het nie. Hoewel korrupsie in die privatiseringsproses die sukses daarvan beperk het, het die land wel voordeel getrek uit vooruitgang in doeltreffendheid. Boere wat voedselgewasse plant vir plaaslike markte, het nie veel baat gevind by liberalisering nie terwyl diegene wat kontantgewasse (maar nie katoen) aangeplant het, het wel voordeel getrek uit liberalisering. Die studie het bevestig dat sommige van die Bretton Woods instellings se voorwaardes, byvoorbeeld afdankings en koste-deling, armoede veroorsaak het of die graad daarvan vererger het onder Uganda se armes. Die studie staaf ook verder dat die armoede-gaping groter geraak het. Die inkomste-armoede wat gekrimp het tussen 1992 en 1997, het sedert 2000 weer verskyn. Die studie onthulook dat ander kwalitatiewe vorms van armoede, bv. magteloosheid en sosiale uitsluiting, wydverspreid voorkom in Uganda. Die studie het egter nie genoeg bewyse gevind om die groeiende armoede direk te koppel aan die Bretton Woods instellings se beleide nie.
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Chand, Roslyn. "Effective Strategies for Venture Capital Evaluations of Organizations' Drug Development Capabilities." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/4779.
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Undercapitalization is a major impediment for the growth and survival of Canadian life sciences firms. Proficient management teams are the 'sine qua non' criteria in the venture capital decision-making processes. The purpose of this multicase study was to explore strategies successful venture capitalists use to improve their evaluation processes of life sciences management teams' drug development capabilities. The conceptual framework for this study was based on business process management. The purposeful sample consisted of 10 venture capitalists located in the United States and Canada who had expertise evaluating life sciences management teams. The data were triangulated from semistructured interviews, annual reports, company websites, and articles. Collected data were coded to identify underlying themes. Several themes emerged from the analysis process: begin with the exit in mind, collapse learning timelines, conduct systematic due diligence, and cultivate and critique one's drug development expertise. The findings may provide venture capitalists and other investors such as angel investors with a refined framework for improving investment decisions. Life sciences management teams may also attract more private equity financing by understanding the vicissitudes of investor expectations. Increased investment and venture capital support for life sciences companies may revitalize the development of new therapies and effect social change by improving patient lives and investment outcomes.
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Yuonan, Jacob, and Rustam Mamedov. "Agile Project Management in Banking : A study of how agile methods are modified to suit the context of a bank." Thesis, Södertörns högskola, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-40982.
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Whilst there are studies that have been researching application of agile methods in different contexts, research have mainly been focused on the software industry. As the world becomes increasingly more digitised, the banking industry is having to keep up with this development and become more digital. Consequently, banks need to incorporate new flexible methods to keep up with the increasing demand for new digital products and features. However, the digital transformation and development processes are not as straightforward as in other industries because banks operate in regulated markets, making the application of agile methods more difficult. This study aimed to investigate and expand the knowledge of how agile methods are applied within the product developing processes in banks as well as what the challenges are with adopting such methods. Semi-structured interviews and internal documents were used to gather data regarding how a bank applies these methods. The main findings show that the bank applied agile methods and adapted them to suit their needs. Key themes identified from the data are agile framework adaptation, collaboration, motivation, and regulatory and internal challenges. The adaptation of specific frameworks is driven by the profile of the specific team as well as the nature of each project in a particular product area. Similarly, to pure agile methods, the motivation of workers is important for maximising productivity in the product development process. Internal and external collaboration was found to involve the interaction of internal teams and co-workers as well as receiving feedback from customers to improve their products. An important challenge in maximising agility is this sector is the regulatory environment in which banks operate in. The findings from this study contribute to the field by giving insight into how agile methods can be adapted in the context of banking by adding to existing literature.
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Wright, John Beric. "A computer software model for the assessment of commercial property loans." Thesis, Stellenbosch : Stellenbosch University, 2001. http://hdl.handle.net/10019.1/49683.
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Thesis (MBA)--Stellenbosch University, 2001.ENGLISH ABSTRACT: The development of computer software is a complex and laborious task, further complicated by the fact that copyright legislation is vague, at best. If the software is being developed for commercial exploitation then speed to market is essential and, even then, there is little to prevent skilled competitors from copying or even cloning the model. During the course of the year 2000 a team of developers, c ompr t s tn g Phillip Munday, Chris Vietri and the writer, not only managed to develop and prototype a complex loan evaluation software model, but have carried it through to the initial stages of a phased implementation and are presently involved in negotiations to sell the intellectual property rights (IPR) to a firm which specialises in the marketing of software to the banking industry internationally. It is virtually impossible for a single person to develop a model of this nature as it requires a comprehensive skills asset, including broad-based financial knowledge, specialised banking skills as well as a sound knowledge of information systems architecture, not to mention software p rogramming skills. The implementation and subsequent sale of the model further required comprehensive project management skills as well as the human resources understanding required for the substantial change management involved. Each of these 3 parties brought not only their particular exp ert i se to the table, but also a holistic view of the final shap e and form of the model. As is the case with projects of this magnitude numerous difficulties were encountered. These were, however, all overcome, via a series of iterations, and the model was introduced to the business on schedule. The implementation itself was fraught with difficulty, but the combination of a phased approach, together with comprehensive training and support, has led to the acceptance of the model by business users. There remain some technical difficulties which require to be resolved, particularly the disappointing performance of the model over a wide area network and also its integration with existing systems, but the model itself has exceeded expectations. It is simple to use, allows for a comprehensive and focused loan assessment and offers the ability to perform sophisticated sensitivity analysis in a fraction of a second. The model is now in its final shape and has been formally named Version 1.0, yet a great deal of work remains. We, as a bank, are not ideally suited to become purveyors of software and need to expedite the transfer of the IPR to a neutral party, to avoid local banks who might wish to purchase it from viewing our involvement with suspicion. Once this has been done, and the final phase of implementation concluded in March 2001, we will be able to move on to the exciting task of creating derivatives of the model, aimed at meeting the needs of other elements of the industry.
AFRIKAANSE OPSOMMING: Die ontwikkeling van rekenaar-sagteware is 'n lang en intensiewe proses. Hierdie proses word voorts bemoeilik deur onvoldoende en ongetoetsde patentreg-wetgewing. Wanneer die doel van sagtewareontwikkeling winsbejag is, is leweringspoed na gebruikers van die uiterste belang aangesien menige mededinger die vermoë het om 'n model na te boots en te verbeter. Gedurende die afgelope jaar het 'n ontwikkelingspan bestaande uit Phillip Munday, Chris Vietri en die skrywer 'n werksmodel van 'n gesofistikeerde, krediet-evalueri ng sagteware modelontwikkel. Nie net is hierdie model deurgevoer tot 'n gefasseerde, interne implementering nie; dit is nou vêr genoeg ontwikkel om die intellektuele eiendomsreg te verkoop aan 'n groep wat toegespits is op die bemarking van bankgerigte sagteware op 'n wêreldwye basis. Dit is bykans onmoontlik vir een persoon om 'n soortgelyke model te ontwikkel weens die omvattende finansiëIe - en bankpraktyk kennis wat vereis word. Verdere vereistes is 'n deeglike kennis van sagteware argitektuur en programmering. Die implimentering en verkoop van die program vereis ook wye kundigheid op die gebiede van projekbestuur en vernuwingsbestuur weens die potensiële strukturele veranderinge in 'n nuwe gebruiker. Elkeen van die 3 partye het benewens sy eie kundigheid ook 'n oorsigtige bydrae gelewer tot die finale model. Soos met elke projek van hierdie omvang was daar groot struikelblokke. Die uitdagings is oorkom deur menige probeerslae en die model is betyds aan die besigheid bekendgestel. Die implimentering was moeiliker as verwag maar deur 'n gefasseerde proses en omvattende opleiding en ondersteuning is aanvaarding deur gebruikers verseker. Daar is enkele, onopgelosde tegniese probleme soos die swak werkverrigting oor 'n wye' area-netwerk en die moeilike integrasie met bestaande stelsels. Desnieteenstaande het die model die meeste verwagtinge oortref. Dit is maklik om te gebruik, dit verseker deeglike krediet-evaluering en dit skep die geleentheid om veelvuldige sensitiwiteitsanalises tegelykertyd te doen. Die modeI is nou in sy finale weergawe en is bekend as " Version 1.0 " maar dit vereis nog heelwat skaafwerk. As 'n bank is ons nie geskik om sagteware te voorsien nie en daarom moet die verkoop van die intellektuele eiendomsreg na 'n tussenparty bespoedig word. Dit sal verhoed dat ons bank se betrokkenheid met agterdog deur plaaslike banke bejeën word. Wanneer dit bewerkstellig is en die finale implimenteringsfase is voltooi teen Maart 2001, kan ons beweeg na die opwindende taak om afgeleide modelle te ontwikkel wat sal voldoen aan wyer sektor-behoeftes.
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Sitinjak, Ade. "Financial Perspective on Sustainability: Palm oil company in Indonesia." Thesis, Uppsala universitet, Institutionen för geovetenskaper, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-424969.
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This research is conducted to identify the integration of sustainability principles into the business model of Indonesia’s banks’ lending to the palm oil sector and the implementation by the banks’ employees to support the Indonesian government to achieve the sustainability of its palm oil sector. Three of Indonesia’s state-owned banks which are among the world’s largest creditors to the palm oil sector were evaluated using documentary research and semi-structured interviews. Firstly, these banks’ annual reports and sustainability reports from 2017 were evaluated using the business model canvas concept to identify their lending business model to the palm oil sector. Afterward, the sustainability level of each bank’s lending business model to the palm oil sector was assessed using the 4P (Principles, People, Planet, and Profit) framework of corporate sustainability. Moreover, fourteen employees of the banks’ lending department were interviewed to reveal the implementation of the sustainability principles that are integrated into each bank’s lending business model to the palm oil sector at the branch office level. The stakeholder groups that are involved in the banks’ lending to the palm oil sector were also identified using the stakeholder theory perspective on a business model in value creation for sustainability. From this research, it’s revealed that even though the palm oil sector has a significant contribution to these banks’ revenue, none of them has a designated business model in lending to the palm oil sector. These three banks’ lending business models only cover general lending and are not designated only to one particular sector. Nonetheless, these banks have been integrating sustainability principles into their lending regulations to the palm oil sector. However, these sustainability principles are only integrated into the banks’ lending regulations to palm oil companies who apply for specific loan nominals. In contrast, no sustainability principle has been integrated into the banks’ lending regulations to individual palm oil businesses. Furthermore, it’s revealed that the banks’ employees don’t strictly implement the sustainability principles that are integrated into the banks’ lending regulations to the palm oil companies because they prioritize their lending target achievement. The reason is that lending target achievement is one of the important factors for each bank’s head office to decide the annual financial bonus and career development of its employees. Moreover, these banks’ employees also argued that the Environmental Impact Assessment (EIA) documents are not reliable to represent the sustainability of the debtors’ palm oil businesses because the banks can order their partner-independent consultants to issue the EIA result according to the banks’requests.
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Agorelius, Malin, and Emma Ekström. "Inter-teamsamordning i skagila projekt : En fallstudie på Avanza Bank för att möta beroenden i projektprocessen." Thesis, Linköpings universitet, Projekt, innovationer och entreprenörskap, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-178058.
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Användandet av agila metodiker har ökat under de senaste decennierna. Detta har lett till en uppskalning av agila metodiker då även stora organisationer vill uppnå fördelarna som kommer med det agila arbetssättet. Att skala upp agila metodiker, och använda dessa i storskaligt agila miljöer (författarnas koncept skagila miljöer, som återfinns i sektionen ’Begreppet ’skagil’'), kommer dock med flera nya organisatoriska utmaningar. En utmaning, som omnämns i både litteratur och i arbetets empiriska undersökning på företaget Avanza, är inter-teamsamordning i skagila miljöer. Avanza har identifierat problemen med beroenden mellan team i skagila mjukvaruutvecklingsprojekt. För att möta problemet med beroenden initierades det här arbetet med syftet att, utifrån Avanzas nuvarande projekt design, undersöka hur teamöverskridande arbete kan samordnas för att möta beroenden i projektprocessen. För att uppnå syftet genomfördes en fallstudie på Avanza innehållande intervjuer med tolv respondenter och observation av interna dokument. Den empiriska undersökningen bekräftade ursprungsproblematiken gällande inter-teamsamordning och bidrog även med information om företagets nuvarande projektdesign. Resultatet visade att projektorganisationen verkar som en hybrid organisation med starka, agila inslag. Dock visade sig Avanza uppleva sin projektdesignen som helt agil. Vidare ansågs projektets beroenden bidra till agilt slöseri, vilket påverkar både produktivitet och effektivitet negativt i mjukvaruutvecklingsprocessen. Fyra huvudområden av agilt slöseri identifierades vilka var väntan, rörelse, defekter och tilläggsprocesser. Genom att klustra ihop liknande slöseri framtogs tre problemområden kopplade till Avanzas projektprocess, nämligen ’viss frånvaro av proaktivt angreppssätt och planering’, ’viss frånvaro av forum för hantering av inter-teamberoenden’ och ’skillnader i implementering av agila metodiker och projektprioritering bland teamen’. För att möta problemen fastställdes sex åtgärder, nämligen implementering av en mer proaktiv projektledarroll, anammning av hybridkulturen, skapande av rollspecifika team, implementering av arrangerade forum för teamsynkronisering, kodifiering och utveckling av befintliga mekanismer och samordning samt skapande av ett gemensamt förhållningssätt till agila principer i projekt. Arbetets slutsatser är till viss del generaliserbara och skulle kunna adopteras av andra företag eller projektorganisationer som har liknande problem och projektdesign som Avanza. Dock krävs en viss ansträngning för att först identifiera vilken projektdesign intressentföretag har samt att identifiera projektrelaterat slöseri. Avanza är även verksamma inom tech-branschen där projektorganisationen verkar kring mjukvaruutveckling. Därför kan det antas att slutsatserna mer sannolikt, passar andra organisationer som jobbar med mjukvaruutveckling.The usage of agile methodologies has rapidly increased over the last decades. This has led to an upscaling of agile methods since larger organizations want to gain the benefits of the agile way of working. However, this has not come without issues, and using agile at scale (authors’ concept scagile, in upcoming section ’Begreppet ’skagil”) has introduced new organizational challenges. One challenge that is mentioned both in literature and in the empirical findings at the case company, Avanza, is inter-team coordination in scagile environments. Today Avanza is struggling with dependencies between teams in scaled agile software projects. To address this issue this study was initiated with the purpose to, based on Avanza’s current project design, investigate how cross-team collaboration could be coordinated to face and overcome dependencies in the project process. To accomplish this a case study, containing interviews with twelve respondents and observation of internal documents, was made. The empirical findings confirmed the original issues related to inter-team coordination and also provided valuable information about the company’s project design. Regarding the project design the findings showed that the project organization is a hybrid organization with strong agile influences. However, the alleged perception of the project design was a fully agile organization. Further, the dependencies in the projects seem to cause agile waste, which has a negative influence on productivity and efficiancy in software projects. Four main areas of agile waste were detected, namely waiting, motion, defects and extra processes. By clustering similar waste, three main problem areas were detected, viz ’a certain absence of a proactive approach and planning’, ‘a certain absence of forums for handling inter-team dependencies’, and ‘differences between teams regarding the implementation and usage of agile principles, and project prioritization’. To face these issues, six measures were determined, namely implementation of a more proactive project management approach, embracing the hybrid culture, creating role specific teams, arranging forums for team synchronization, codifying and developing the current coordination mechanisms and deciding on a shared approach for project methodologies. The findings of this study is to some extent generalizable and could be adopted by other companies, or project organizations, that are struggling with the same problem areas and have the same project design as Avanza. However, some effort is required to first determine current project design and to identify project related waste. Further, the client company is operative in the fin-tech industry where the project organization orbits around software development. Therefore it can be assumed that the findings are more likely to fit another software organization.
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Kamanga, Harris Benula. "The role of governance in using project finance as a contract for the delivery of infrastructure in Africa." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/849.
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Thesis (MDF (Development Finance))--Stellenbosch University, 2008.ENGLISH ABSTRACT: Infrastructure has been hailed as a fundamental link between markets and other development sectors of the economy. For over a long time the delivery of infrastructure in Africa has been the domain of the public sector. However, because of the continued budgetary constraints, most governments are seeking the support of the private sector in the delivery of infrastructure. Recent studies have, however, revealed that private participation in infrastructure delivery is very low in Africa. The research noted that certain obstacles at macro level of the economy are responsible for the low private participation in infrastructure delivery. It is, therefore, important that we assess the methodologies that have been used to attract private sector participation in infrastructure delivery in Africa. One method that is gaining popularity in the developing world is the use of project finance. The research study sought to achieve two objectives. The first was to discover whether governance played a significant role in attracting foreign lenders to use project finance in the delivery of infrastructure in Africa. The second objective was to find out, given that governance does matter, which of the governance indicators were important and what their relationship was with loan syndication. The study adopted a quantitative approach using six governance indicators as independent variables. The governance indicators are compiled by a team at the World Bank and these governance indicators are available on the World Bank database. Loan tranches were used as observations for the dependent variable with the data for the tranches originating from loans that were advanced under project finance across Africa covering the period between 1996 and 2006. The multiple regression model also incorporated certain control variables the data for which were collected from various sources. Findings from the research study revealed that governance does matter and is positively related to loan syndication in project finance structures. It was revealed that all six governance indicators exerted a positive influence on loan syndication. The results also revealed that political instability and violence, and control of corruption were statistically insignificant. In addition it was found that rule of law exerted the most positive influence on the composition of loan syndication in project finance structures.
AFRIKAANSE OPSOMMING: Infrastruktuur is al aangeprys as ‘n fundamentele skakel tussen markte en ander ontwikkelingsektore in die ekonomie. Die voorsiening van infrastruktuur in Afrika figureer lank reeds in die openbare sektor, maar as gevolg van die volgehoue begrotingsbeperkinge soek die meeste owerhede die steun van die privaatsektor wat betref die voorsiening van infrastruktuur. Onlangse studies het egter bevind dat private deelname in die aflewering van infrastuktuur in Afrika baie laag is. Die navorsing het aan die lig gebring dat daar sekere struikelblokke op die makrovlak van die ekonomie is wat verantwoordelik is vir die geringe privaat deelname in die voorsiening van infrastruktuur. Derhalwe is dit belangrik om die metodologieë wat gebruik is om privaatsektordeelname ten opsigte van infrastruktuurvoorsiening in Afrika te beoordeel. Een metode wat gewild raak in die Derde Wêreld, is die gebruik van projekfinansiering. Hierdie navorsingstudie probeer om twee doelwitte te bereik. Die eerste doelwit is om uit te vind of staatsbestuur ‘n betekenisvolle rol speel om buitelandse kredietverskaffers te lok om projekfinansiering vir infrastruktuuraflewering in Afrika te gebruik. Die tweede doelwit is om, gegewe staatsbestuur se belangrikheid, te bepaal watter van die staatsbestuuraanwysers belangrik is en wat hul verband met leningsindikasie is. Die studie het ‘n kwantitatiewe benadering gevolg en het ses staatsbestuuraanwysers gebruik as onafhanklike veranderlikes. Die staatsbestuuraanwyser is deur ‘n span van die Wêreldbank opgestel en die staatsbestuuraanwyswers is beskikbaar op die Wêreldbank se databasis. Leningdeel is gebruik as waarnemings vir die afhanklike veranderlike, en die data vir die leningdeel is afkomstig van lenings wat toegestaan is onder projekfinansiering dwarsoor Afrika vir die periode 1996 tot 2006. Die meervoudigeregressiemodel het ook sekere kontroleveranderlikes behels, en die data daarvoor is vanuit verskeie bronne ingewin. Die navorsingstudiebevindinge het aan die lig gebring dat staatsbestuur ter sake is en positief aansluit by die leningsindikasie in projekfinansieringstrukture. Dit het aan die lig gekom dat al ses staatsregeringsaanwysers ‘n positiewe invloed op leningsindikasie uitoefen. Die bevindinge het ook daarop gedui dat politieke onstabiliteit en geweld, en korrupsiebeheer statisties onbeduidend is. Daar is ook bevind dat die oppergesag van die reg die mees positiewe invloed op die samestelling van leningsindikasie in projekfinansieringstruksture uitoefen.
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Kämpe, Kärsti, and Amanda Näsman. "The Future Bank : Banking services seen through the eye of Generation Y, risin’ up to the challenge of industrial transformation." Thesis, KTH, Hållbarhet och industriell dynamik, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-233872.
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The financial sector, as we know it, is radically transforming. As a result of the European regulation PSD2, customers banking data is becoming available for third parties by APIs [Evry n.d]. The traditional banks are now being exposed to competition from FinTechs and BigTech [Evry 2017]. The transformation is on-going and to the tunes of to new technologies, new regulations and new customer demands [Tornjanski et al. 2015]. This study aimed to identify the nature and behavior of the trend leaders, Generation Y (18 to 30 years old), and in the context of open banking, diagnose the transformation of banking services to meet new digital needs.To achieve this, a sequential embedded explanatory methodology was applied. The quantitative phase, identified and generalized the behaviors of Generation Y. The qualitative phase was exploratory, where multiple focus groups (38 individuals) developed the future banking services they request and want. This was analyzed based on Business Model Canvas [Osterwalder and Pigneur 2010] and a new service development framework for customer co-creation [Ozdemir, Trott, and Hoecht 2007]. The results imply that Generation Y, abide to be courted on their conditions and on-demand. They request a further expansion of the banks operational context, to supply with open banking platforms including both financial- and non-financial services. Hence, to meet these requests and remain the primary financial service provider the future banking services most transform into becoming digitally personalized and to seamlessly assist in everyday life.Finanssektorn, som vi känner till den, förändras radikalt. Som ett resultat av den europeiska förordningen PSD2 blir kundernas bankdata tillgängliga för tredjepartsaktörer via API:er [Evry n.d]. De traditionella bankerna utsätts nu för konkurrens från FinTechs och BigTechs [Evry 2017]. Transformationen pågår och möjliggör för ny teknik, nya regler och nya kundkrav [Tornjanski et al. 2015]. Denna studie syftar till att identifiera trendledarna, Generation Ys (18 till 30 år) natur och beteenden, och inom ramen för open banking, diagnostisera omvandlingen av banktjänsterför att möta nya digitala behov. För att uppnå detta tillämpades en sekventiell inbäddad förklarande metodik. Den kvantitativa fasen identifierade och generaliserade Generations Y: s beteende. Den kvalitativa fasen var undersökande, där flera fokusgrupper (38 individer) utvecklade de framtida banktjänster som de efterfrågar och vill ha. Detta analyserades utifrån Business Model Canvas [Osterwalder and Pigneur 2010] och ett ramverk för utveckling av ny tjänster genom kundsamverkan [Ozdemir, Trott, and Hoecht 2007]. Resultaten påvisar att Generation Y förväntar sig att bli betjänade på sina villkor och begäran. De efterfrågar en framtida expansion av bankernas operativa kontext, till att förmedla öppna plattformar som inkluderar både finansiella och icke-finansiella tjänster. För att möta efterfrågan och förbli den primära finansiella tjänsteleverantören, måste de framtida banktjänsterna transformeras till att bli mer digitala och personanpassade hjälpmedel i vardagen.
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Havenga, Jan H. "The development and application of a freight transport flow model for South Africa." Thesis, Stellenbosch : University of Stellenbosch, 2007. http://hdl.handle.net/10019.1/1175.
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Thesis (DPhil (Logistics))--University of Stellenbosch, 2007.South Africa currently experiences the double jeopardy problem of catching up to global economic competitiveness whilst at the same time feeling the pressures of sustainability management spearheaded by a global agenda. Global sustainability is defined as growth that is shared without depleting natural resources or damaging the environment. Academic disciplines are challenged to make a contribution and economics as such should contribute by providing the lead and lag indicators for the planning and measurement of scarce resources usuage. This integrative view includes economic sub-disciplines, such as logistics. This integrative view is an acknowledged part of the economics discipline, except that the macro-economic context of some sub-disciplines, such as logistics, often receives less attention during the course of academic activities. The distribution of resources and outputs in the economy is a logistics controlled cross-cutting factor, but suffers from a lack of macro-economic perspective, and lead and lag orientated measurement. This state of the affairs is a historic backlog of logistics and its specific position within economics. During the primary economic era the world began to configure networks and markets, which became more pronounced and settled with the dawn and settling of the industrial era. Logistics then was a “given” and did not receive much thought even as industrial, market economies developed. Transport was regarded as an administered cost, i.e. inefficiencies in logistics systems were evenly distributed between competitors, not giving any specific entity an advantage. With the advent of global competition and the diminishing returns on other cost saving measures, companies began to collaborate and integrate logistics functions within value chains, but the administered part of transport costs failed to receive the attention it required. In this way, global competitors did begin to experience disadvantages on a national level as whole economies suffered from inefficiencies in logistics and specifically transport systems.
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Karmašová, Alice. "Podpora drobného podnikání v České republice." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2009. http://www.nusl.cz/ntk/nusl-222171.
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The objective of the master´s thesis „Small business support in the Czech republic“ is to carry out analysis of current system of Small business based on a created scope of knowledge necessary for orientation in the respective topic, find deficiencies and suggest innovations. The first part is focused on history, on small and medium enterprise terms definition and the evolution of small business in the Czech Republic in the years 2000 - 2007. The second part is attended to analysis of particular support programs and pointed out on its benefits and disadvantages. In the following part was done the interview, which was intended to find out small and medium-sized entrepreneurs opinion on present situation in entrepreneurial subjects support system. I compared the results with interview investigation carried out in 2006. Final part contains suggestions and recommendations, which could lead to improvement in small entrepreneurs supporting in the Czech Republic.
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Lanz, Luciano Quinto. "The potential role of SMEs’ credit guarantee schemes to promote financial inclusion in Brazil." reponame:Biblioteca Digital do Banco Nacional de Desenvolvimento Econômico e Social, 2017. http://web.bndes.gov.br/bib/jspui/handle/1408/12915.
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Dissertação (mestrado) - Columbia University - School of International and Public Affairs, New York, 2017Bibliografia: p. [64]-72
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Texto em inglês e resumos em inglês e português
A dificuldade de acesso ao crédito é um dos maiores obstáculos para a sobrevivência das pequenas e médias empresas (PMEs). Uma das principais razões para isso é a falta de garantias. Essa situação se reflete na baixa competitividade e alta desigualdade do Brasil. Os sistemas de garantia fornecem esta garantia. Esta tese analisa o papel potencial dos esquemas de garantia para promover a inclusão financeira no Brasil. Para alcançar esse objetivo, a pesquisa analisa a competitividade e a desigualdade do Brasil e sua relação com o acesso ao crédito. A metodologia utilizada foi um estudo de caso sobre o Fundo Garantidor para Investimentos (FGI), utilizando abordagem qualitativa e estatísticas descritivas. A coleta de dados baseou-se em entrevistas semiestruturadas, fontes secundárias, análise de documentos e dados operacionais. A análise utilizou os modelos de construção e reparação de confiança entre organizações, o papel dos bancos nacionais de desenvolvimento nos sistemas de garantia e o benchmark internacional para governança e eficácia dos esquemas de garantia. Os resultados demonstram que o FGI conseguiu criar uma governança adequada e estabelecer confiança com os bancos. Até 2017, 26 bancos contrataram mais de 32 mil operações no valor de 1,9 bilhões de dólares, com adicionalidades comparáveis ao benchmark internacional. No entanto, estudos adicionais são necessários para estabelecer uma ligação entre a adicionalidade dos esquemas de garantia e o desenvolvimento social e econômico.
Difficult access to credit is one of the greatest obstacles to the survival of small and medium-sized enterprises (SMEs). One of the major reasons for this is the lack of guarantees. This situation is reflected in Brazil’s low competitiveness and high inequality. Guarantee Schemes provide this guarantee. This thesis analyzes the potential role of guarantee schemes to promote financial inclusion in Brazil. To achieve this objective the research analyzes Brazil competitiveness and inequality and their relation to credit access. The methodology used was a case study over the Fundo Garantidor para Investimentos (Investment Guarantee Fund - FGI), using a qualitative approach and descriptive statistics. Data collection relied on semi-structured interviews, secondary sources, document analysis and operational data. The analysis used inter-organization trust building and repair models, the role of national development banks in the guarantee systems and the international benchmark for governance and effectiveness of guarantee schemes. The results demonstrate that FGI achieve adequate governance and established trust with the banks. By 2017, 26 banks contracted more than 32,000 operations worth 1.9 billion dollars, with additionalities comparable to the international benchmark. However, additional studies are necessary to establish a link between the guarantee schemes additionality and social and economic development.
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Souza, Paula Bagrichevsky de. "Política de responsabilidade socioambiental das instituições financeiras: aplicabilidade ao BNDES." reponame:Repositório Institucional do BNDES, 2013. https://web.bndes.gov.br/bib/jspui/handle/1408/6482.
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Allambademel, Vincent de paul. "Institutions de microfinance et lutte contre la pauvreté dans les pays du sud : le cas du Tchad, approche socio-économique." Thesis, Besançon, 2012. http://www.theses.fr/2012BESA1024.
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La microfinance, dont l’un des objectifs est de combattre la pauvreté, consiste en la fourniture de produits financiers à tous ceux qui sont exclus du système bancaire classique. Elle est née dans les années 1970, s’est diffusée dans les pays du Sud et s’est révélée être, en quelques décennies, un vecteur de développement. Cette thèse met en évidence ses limites et ses dérives, sans nier certains de ses succès. Au Tchad, dans certains cas, elle a produit des effets pervers et a conduit à l’endettement. L’étude menée répond à un travail de terrain pluridisciplinaire, conjuguant des approches financières et socio-culturelles. Les données recueillies proviennent de nos méthodes et techniques mises en place au cours de diverses enquêtes menées à N’Djaména et à Moundou entre janvier 2009 et mars 2012. Notre recherche a montré, entre autres, comment et à quel niveau se situe l’intervention de la microfinance auprès des populations défavorisées. Dans cette optique, nous avons analysé les obstacles rencontrés et précisé les conditions requises pour que ce type d’outil puisse être efficace, le secteur informel ainsi que l’économie sociale et solidaire étant susceptibles – en tant qu’outils de lutte contre l’exclusion – de rétablir le lien socialMicrofinance, which one of the objectives is combating poverty, is the provision of financial products to all people who are excluded from the traditional. It emerged in the 1970s, spread in the countries of the South and proved to be, in a few decades, an instrument of development. This dissertation highlights his limits and his drawbacks, without denying some of its success. In Chad, in some cases, it has produced perverse effects and led to debt. This study is a pluridisciplinary field work, which aligns financial and socio-cultural approaches. Our research has shown, among others, how and at what level is situated the intervention of microfinance to the poor. In that process, we analyzed the obstacles and specified the conditions required so that this type of tool could be effective, the informal sector and social solidarity and economy etc. restore the social ties as they are effective for combating exclusion
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Oduro-Kwateng, George. "The evaluation of environmental reporting by publicly listed South African banks." Thesis, Rhodes University, 2010. http://hdl.handle.net/10962/d1003860.
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Recently, bankers have come to realise that banking operations, especially corporate lending, affect and are affected by the natural environment and that consequently, the banks might have an important role to play in helping to raise environmental standards. Although the environment presents significant risks to banks, in particular environmental credit risk, it also perhaps presents profitable opportunities. Stricter environmental regulations have forced companies to invest in environmentally friendly technologies and pollution control measures and in tum generated lending opportunities for bankers. This research examines the corporate practices of three of the four dominant banks in South Africa with respect to the environment, focusing on issues of climate change and environmental risk management by way of reporting and disclosure to all stakeholders. The emphasis on environmental reporting by South African banks has been reinforced by the latest release of the King III Report on Corporate Governance in South Africa. Global governance requires that the triple-bottom line should be applied in all corporate undertakings due to globalisation and trade liberalisation; however, the banking sector has responded poorly to the clarion call. The false view that the banks have no significant relationship with environmental degradation is being disproved. Environmental management is a huge and massive reconstruction of what has gone wrong with nature by human influence. The South African banks have had to face with the challenging tasks of reporting on the direct and mostly the indirect impacts of their environmental activities. Based on the three sampled banks which incidentally had greater percentages of the market capitalizations, the banks have fairly performed in environmental reporting. For example, Standard Bank (SA) Ltd has just signed the Equator Principles in 2007 implying corporate lending was done in 2007 without any respect to environmental impact assessments by corporate borrowers. Consequently, environmental reporting was not done to facilitate informed decision-making by stakeholders mostly shareholders and the communities where borrowers tun businesses. The objective of this research study is to investigate the extent and quantity of/voluntary environmental disclosures in the annual and sustainability reports of the banks listed on Johannesburg Stock Exchange. The periods examined were those subsequent to the release of the Exposure Draft Coalition for Environmentally Responsible Economies (CERES) Global Reporting Initiatives (GRI) issued in 1999. Using content analysis to focus on the environmental aspects, the research study compared three annual reports and three sustainability reports of 2007 year for the three sampled banks in order to evaluate reporting practices in the period surrounding this intervention. The results suggest a trend to triple bottom-line reporting and the extent and quantity of environmental information, albeit in specific categories.
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Vice, President Research Office of the. "Newswire." Office of the Vice President Research, The University of British Columbia, 2008. http://hdl.handle.net/2429/2661.
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UBC's research community recently received a significant boost in financial support for five research hubs that will join the Centre for Brain Health as newly appointed national Centres of Excellence for Commercialization and Research (CECR).
Two UBC economics professors were recognized with separate Bank of Canada awards: the Research Fellowship 2008 and the Governor's Award.
UBC's Brain Research Centre has recevied $25 million from the Province of BC to establish a new facility focused on translational brain research.
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Gonçalves, Lidiane Delesderrier. "Desafios na economia do conhecimento: o caso do BNDES." reponame:Repositório Institucional do BNDES, 2009. https://web.bndes.gov.br/bib/jspui/handle/1408/10354.
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Terra, capital e trabalha ditavam o sucesso das organizações na era industrial. Somados a estes fatores, os ativos intangíveis são considerados o complemento chave para determinar a sustentabilidade dos negócios na era do conhecimento. A globalização cria uma nova dinâmica nos mercados e a gestão do conhecimento torna-se foco de atenção por parte das organizações. Intensifica-se a formação de redes interorganizacionais a fim de alavancar os negócios das empresas numa estratégia ganha ganha na qual o conhecimento tácito, não codificado, é compartilhado. Mais especificamente a gestão da inovação, uma das dimensões dos ativos intangíveis, assume um papel prioritário na agenda do Governo Federal, por meio do PDP, e de outros agentes de mercado. O BNDES deu alguns importantes passos para atender às demandas das empresas na era do conhecimento, dentre eles a adoção da metodologia do BSC de Capitais Intangíveis para fins de avaliação de risco de crédito das empresas e a parceria firmada com a Universidade de Brightom (UK) com a finalidade de prover aos gestores das empresas o treinamento em gestão da inovação. Dado o pontapé inicial, quais são os desafios que o BNDES deve enfrentar daqui por diante? Na revisão bibliográfica, faz-se a análise dos fatores de competitividade na era do conhecimento, da evolução do tema ativos intangíveis até os dias atuais, da formação de redes de relacionamento como estratégias relacionais, avaliando seus prós e contras, de alguns conceitos de inovação e sua gestão passando pela identificação do estágio de desenvolvimento das empresas brasileiras neste quesito. Posteriormente, procede-se a análise da ferramenta de gestão denominada Balanced Scorecard, que é base do BSC de Capitais Intangíveis. São identificadas as ações já desenvolvidas pelo BNDES, Sebrae e FINEP voltadas para o tema em referência a fim de avaliar o nível de integração entre elas e passa-se a discorrer sobre a relevância do tema para o BNDES e para a sociedade. Este estudo aborda o problema mediante a elaboração de um diagnóstico das 30 empresas ativas da carteira de investimentos em PMEs da BNDESPAR, subsidiária do BNDES, mediante a aplicação do BSC na forma de questionário. O objetivo é verificar se há espaço para a elaboração de planos de ação voltados para a criação de valor das empresas mediante a construção de ativos intangíveis e se a ferramenta é útil e adequada para tal finalidade. Procede-se, ainda, a avaliação de conteúdo das respostas ao questionário encaminhado aos participantes do treinamento em gestão da inovação a fim de avaliar sugestões de ações voltadas para a maximização do retorno esperado com a iniciativa. Na conclusão deste estudo, verifica-se que a ferramenta denominada BSC de Capitais Intangíveis é adequada à atividade de gestão da carteia de investimento em PMEs da BNDESPAR, que há um bom espaço para adoção de medidas voltadas para a criação de valor das empresas, citando-se alguns exemplos, e são destacadas algumas contribuições acadêmicas preliminares para a melhoria contínua da ferramenta ora desenvolvida além de sugerir outras iniciativas que o BNDES pode adotar a fim de otimizar as ações já implementadas até então.Land, capital and work dictated the organizations’ success in the industrial era. Added to these factors, the intangible assets are considered the key complement to determine business’ sustainability in the knowledge era. The globalization creates a new dynamic in the markets and the knowledge management becomes focal point to the organizations. It becomes more common the incorporation of inter-organizational nets to improve business, in a strategy win-win where the tacit knowledge, noncodified, which is shared. More specifically, the innovation management, one of the intangible assets aspects, plays an important role in the Federal Government agenda, through the PDP and other market players. BNDES made significant progress to assist companies’ demands in the knowledge era, among them: the adoption of the Intangible Assets BSC methodology to evaluate companies’ credit risk and the partnership with Brightom University (UK) to train innovation management to companies’ managers. Besides the initial steps, what are the challenges that BNDES will face from now on? In the bibliographic review, it is analyzed the competitive factors in the knowledge era, the evolution of the intangible assets concept, the consolidation of the networking as business strategy, evaluation its advantages and disadvantages, some innovation definitions and its management through the identification of the development level of the Brazilian companies’ in this aspect. After that, it is analyzed the management tool so-called Balanced Scorecard, which is fundamental to the Intangible Assets BSC. The actions already implemented by BNDES, Sebrae and FINEP focused on the subject are identified in order to evaluate the integration level among those actions. Then, it is demonstrated the relevancy of the subject not only to BNDES, but also to society. This study faces the subject by the preparation of a diagnostic from 30 actives SMEs investments from BNDESPAR portfolio, a BNDES subsidiary, adopting the BSC methodology through questionnaire. The objective is to certify if there is enough space to elaborate an action plan focused on creating value to companies considering them intangible assets and, if it is viable, how this toll can be useful and adequate to achieve such objective. The questionnaire content, answered by the training participants in the innovation management program, is also evaluated to check the suggestions of actions to maximize the expected feedback. In the conclusion, it is verified that the tool so-called Intangible Assets BSC is adequate to the management activity of the investments in PMEs from BNDESPAR portfolio and there is enough space to adopt measures focused on creation of companies’ value, mentioning some examples and highlighting some preliminary academicals contributions to improve the tool and also suggests other steps that BNDES can adopt to optimize the actions already implemented.
Dissertação (mestrado) - Curso de Mestrado em Gestão Empresarial, Fundação Getúlio Vargas, Rio de Janeiro, 2009.
Bibliografia: p. 201-211.
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Delbrouck, Loralee Yanya Athena. "Beyond banking:the potential for credit union participation in community economic development." Thesis, 1994. http://hdl.handle.net/2429/5248.
Full textAbstract:
Many communities in Canada are experiencing high levels of unemployment, poverty,
social breakdown and environmental degradation. In an effort to address these problems,
individuals, community groups and all levels of government, are experimenting with an
approach to development called community economic development (CED). CED is a
grassroots, bottom-up process that focuses on the creation of stable, viable, and equitable
local economies. In trying to implement CED strategies, communities and individuals face
many obstacles, one of the most significant of which is a lack of capital. Credit unions are
locally-owned and controlled co-operative financial institutions with access to significant
pools of “local” capital and therefore logical places for communities to turn. This thesis
explores ways these institutions can support community economic development in their
communities.
An examination of the literature and interviews with credit union leaders and CED
practitioners, demonstrate that most credit unions are not involved in CED lending. Nor are
they particularly committed to CED ideals. This being said, however, the research shows
that there are a few credit unions, in both Canada and the United States, that do participate
in CED. These credit unions--some with a holistic commitment to CED, others with a
partial commitment--support CED in a variety of ways, only one of which is through
financing. In addition to providing access to capital, these credit unions fulfil other support
functions such as providing technical assistance, building “community” and supporting
community infrastructure development.
Credit unions that participate in CED are not typical of the credit union movement.
Most credit unions do not play a role in supporting community economic development in
their communities. The study found that there are significant barriers to their participation in
CED, barriers such as a lack of vision, the nature of CED lending, and competition from
private financial institutions. In order for credit unions to participate in CED, these barriers
must be removed. Ways to reduce some of the barriers are explored in the thesis. The
research shows that in order to be able to participate in CED, credit unions require: a
committed leadership, staff with community development expertise, new deposits of capital, a
means of subsidizing the costs of CED lending, and institutional mechanisms that reduce risk
as well as government support. Ways for credit unions to fulfil these needs are outlined.
Lastly, research findings are summarized and conclusions are drawn about the role individual
credit unions can play in CED. The kinds of initiatives credit union centrals, governments
and planners can adopt to support credit unions in this work also explored.
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Han, Yen-Ju. "Business Strategy Analysis and Development for a Regional Bank - The case of H Bank." 2007. http://www.cetd.com.tw/ec/thesisdetail.aspx?etdun=U0002-3001200723065100.
Full text
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Han, Yen-Ju, and 韓燕如. "Business Strategy Analysis and Development for a Regional Bank – The case of H Bank." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/98fxz8.
Full textAbstract:
碩士淡江大學
國際商學碩士在職專班
95
Regional banks have faced tremendous challenges amid the rapid changes and consolidations in the local financial market. Although regional banks have relatively long term and stable client relationship, they also have weaknesses such as low publicity, smaller operating scale, limited branch network and lack of well trained staff, etc. This research therefore aims at identifying business strategies for regional banks to complete with other commercial banks and financial holding companies. Starting from review of literature and environment analysis, it then conducts a SWOT analysis for H Bank. Based on the findings, this paper adopt Michael Porter’s generic strategy approach and Ansoff’s alternative strategy direction to develop various business strategies in the areas of pricing, differentiation, withdrawal, consolidation, market penetration, market development and product development . Based on the research finding and analysis, the following recommendations are proposed for H Bank to establish its business strategies. (1) In terms of generic strategy, differentiation strategy in brand awareness or service quality can be adopted to create unique brand image against traditional commercial banks. In stead of accept all kinds of customers without any segmentation, H Bank should focus on specific target customers and product line. (2) For other alternative strategies, withdrawal from unprofitable markets should be considered and more specific client segmentation should also be implemented. Moreover, human resource development as well as system enhancement to lift customer service standard should be adopted. Furthermore, via strategy alliance, partnership as to wealth management and real estate and land financing can also boost the revenue sources.
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游佳純. "Restructure and Development for Wealth Management Business of Bank-Illustrated by the Example of Bank M." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/tz9433.
Full textAbstract:
碩士國立中正大學
企業管理學系碩士在職專班
106
In the past, the profit of the banking industry was primarily derived from the spread. However, due to financial liberalization and financial reform, the competition has become increasingly fierce, resulting in the tightening of spread; and the banking industry was required to explore additional profit sources. Therefore, banks gradually turned to integrate the finance businesses and adopted a cross-sale in marketing method. They focused on the risk-free handling fee income and strode toward the wealth management business. The fast forward into a gerontological society lead to an increasingly centralized social wealth and the diversified demand for finance; which all contributed to the bank transformation of and the strengthened development of wealth management business. For the Bank focusing on corporate finance and foreign currency, regardless of its long establishment, its wealth management business development is relatively slow as compared to other banks; and the risk interest income has accounted for a higher percentage of its overall income, indicating the Bank shall adjust its income structure. This study initially utilized PESTLE analysis model to analyze the external environment of Bank M; furthermore, it applied the SWOT analysis to identify the strengths, weaknesses, opportunities, and threats of Bank M in the overall environment, so as to understand the current situation, future development and operation orientation of Bank M regarding the wealth management business. Last, it further explored the sustainable competitive strengths with market power, resource-based theory, and marketing strategies, thus bringing forward a conclusion with four primary operating strategies focusing on the possibilities of Bank M carrying out restructure and development for wealth management business.
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Chang, Chiung-yueh, and 張煚岳. "A Stragtic Study of the Development of Bank Trust Business in Taiwan." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/68428699402175145711.
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Chang, Bo-Wei, and 章伯瑋. "Banks’ Wealth Management Business Development and Sales Strategy:A Case of C Bank." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/87b6n2.
Full textAbstract:
碩士輔仁大學
金融與國際企業學系金融碩士在職專班
102
This study explores banks’ wealth management business development and sales strategy by a C bank as an example. The wealth management business of C bank include mutual funds, structured notes and securities products, trust and custody services, insurance, commodity, currency and portfolio-type dual commodities (DCI, SI). We calculate each business’s operational risk capital provision based on its risk coefficient (beta) and sales scale. This research finds that a product sales configuration changes from mutual funds to insurance products, DCI and SI could achieve profit maximization with modest reduction in the capital adequacy ratio.
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CHEN, MING-CHUNG, and 陳明崇. "Banking Development Mobile Payment Business Strategy Discussion - The Case of C Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/xhd6pz.
Full textAbstract:
碩士逢甲大學
經營管理碩士在職學位學程
106
Abstract With the popularization of smart phones and the advent of the digital financial era, mobile phones are no longer merely tools for delivering messages. Now, mobile phones are more like a payment tool. As long as you carry a mobile phone with you, you can easily shop, consume, and enjoy the convenience of life brought about by technological advancement. In January 2015, after the Legislative Yuan adopted the “Electronic Payment Institutions Regulations” on the third reading, Taiwan Mobile Payments Co., Ltd. joined hands with numerous public company banks to jointly promote the payment of “Taiwan Pay”, mobile payments began to enter the era of white-hot competition. With the opening of government laws and regulations, domestic banks started to actively develop mobile payment services to consolidate their position in the financial market. This study focuses on the collection of secondary data to conduct case-by-case bank analysis, SWOT analysis, analysis of major competitors, and the analysis of the advantages and disadvantages of mainstream mobile payment products. Finally, it conducts in-depth interviews with relevant business personnel in case banks. Summarizes the most suitable strategy and direction for case banks in the development of mobile payment services. That is, using the advantage of having more than 4 million households with deposits, it chose to develop “Taiwan Pay” that can link bank account payments. In addition, at the same time, from its mobile Internet Banking App, a new online mobile payment network QR Code payment purse in line with the security control mechanism has been added to support Taiwan Pay mobile payment, and actively cooperate with different industries (such as JKOPAY) to enhance mobile payment products. Breadth and depth. In addition, in line with strengthening the education and training of employees, and strengthening the promotion of the acquisition of merchants, the mobile payment market in Taiwan has grown rapidly.
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LIOU, JIA-MIN, and 劉佳旻. "The development of bank wealth management business under the European sovereign debt crisis－A case study of J Bank." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/v9g2x4.
Full textAbstract:
碩士逢甲大學
經營管理碩士在職專班
100
In recent years, banking industry has shifted the focus to the business of wealth management. Both European sovereign debt crisis hits the global economy and the impact of capital markets continuous shaking to Taiwan''s banking and wealth management business, are the main reasons of low willingness to invest. In the impact of bank and customer relationship, customer awareness of investment risk increases substantially, profit is no longer the only considerations. Professional level on the banks of the wealth management business confidence, trust management specifically staff weakness (moral hazard), the decline on bank loyalty. This wave of European sovereign debt crisis will accelerate the market and the economy change, but the recent banking wealth management business shrink, although the main line market continued to fall, however, customers lose confidence in the wealth management products and financial planning experts in real terms is also one of the main factors. How can we learn lessons from past to this new understanding of wealth management is an important issue. The paper mainly discusses the banking wealth management business in the European sovereign debt crisis future trends.
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CHUANG, CHUN-HAO, and 莊君豪. "The Development of Digital Financial Payment Business – The Case Study of Esun Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/95b8d5.
Full textAbstract:
碩士國立臺灣科技大學
資訊管理系
106
In today's financial technology development, there are three forces that will change the competitive landscape of financial services. First, the power of technology enables small and medium-sized enterprises (SMEs) or new FinTech startups to compete with large enterprises. The FinTech companies are an example of technologies flipping and replacing some of the financial services. Second, financial regulatory or the laws, for example the supervisory sandbox will change the financial service. Third, the change of user behavior using mobile devices that also gradually change. Under such circumstances, financial service must be able to advance with the times in order to not overwhelm by the rise of financial technology. Most of the bank's main profit comes from personal finance, corporate finance, wealth management and credit card businesses. Many people assume “digital financial services and FinTech are simply a fad”.” Unprofitable and no help for banks”. “Banks will continue to experience profitability without FinTech and Internet”. The Kodak's case shows that Kodak took note of the digital trends and hold more than a thousand imaging patents, but the development of digitized (digital camera) services erodes into the main source of revenue - photographic film. Therefore, organizations restrain the development of digital services. Kodak Company eventually had to declare bankruptcy when the new players gradually invested in digital camera service, and Internet changed the way people share photos step by step. This fact is to remind all the enterprises, if not, start a revolution voluntarily, will eventually be killed. Esun Bank set up the Digital Business Development in 2015 and became the first financial institution in Taiwan to set up the position of Chief Digital Financial Officer. Esun Bank believes that financial services should be like hydropower, when customers need it, the relevant financial services can be readily available. Also, Esun Bank sees itself as a technology company with financial license. It means Esun Bank wants to change the mode of financial services and enhance the service efficiency of the original business through the power of technology; to gain a new user base with new service models and key scenarios; to increase user value in a creative way. Financial services are less frequently used than other services. How to create value with financial services and cross-border partners so that financial services can naturally be integrated into the user's life and use financial services indirectly. This is the challenge for the development of digital finance at Esun Bank. How does Esun Bank develop different financial service models, create a new business model and cooperative ecology, and change Taiwan's financial services with the limited resources, the rapid development of FinTech industry, the opening of laws and regulations, and the rapid evolution of new technologies and user habits? This paper is written in the way of Harvard case study. It can be used to discuss topics such as financial technology, disruptive innovation, business models and business ecosystems. The purpose of this study is to understand how Esun Bank can provide new service models through the power of technology and cross-border partners, and make financial services be as convenient as hydropower.
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KAO, SU-HUI, and 高素惠. "The Effect of Development of Mobile Payment on the Business of Bank´s Credit Cards." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/mcs8tz.
Full textAbstract:
碩士大葉大學
管理學院碩士在職專班
107
ABSTACT This study examines, through t-test and regression analysis, how the development of mobile payments affects issuing banks from January 2014 to December 2018. Growth in mobile payment market is minor while a considerate increase is observed after 2016. In terms of cards in circulation, active cards, monthly issuing cards, monthly purchase volume, and commission on retail sales, the results illustrate that the number of credit cards issued by domestic banks per month has significantly risen along with mobile payment trends. That is, the use of mobile payments boosts card issuance. Financial holding banks issue more credit cards than non-financial holding banks do. However, mobile transactions produce a significant negative impact on card issuing services that public banks offer to lead to a fewer number of issuing cards, compared to private banks. Keywords: Mobile Payment, Credit Card, Number of Cards Issued
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Chen, Pin-Chen, and 陳品禎. "The Business Development of Wealth Management Banking in Taiwan - A Case Study on Chinatrust Commercial Bank." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/48418253780401038302.
Full textAbstract:
碩士淡江大學
管理科學學系企業經營碩士在職專班
100
The main concept of wealth management from private banking, mainly by the financial advisor to provide banking services, asset trust management, estate planning, tax consulting. Wealth management bank for wealth management segments of different lifestyle and life needs, professional customized financial planning, to meet the financial needs of each customer group differences. In addition to the emphasis on maintaining customer relationships, must also maintain close interaction with customers and provide real-time market data and portfolio analysis to fully understand the customer''s financial needs in order to win customer trust. This is both broad and deep relationship between the wealth management industries can be oriented for clients'' wealth, make the appropriate asset allocation at different stages in their life, planning a high degree of personalized service. The purpose of this study is to investigate the case of the Chinatrust Commercial Bank in the wealth management market, the success of business development, key success factors and sustainable competitive advantage, case bank to learn how to develop their business strategy, the use of its resources and advantages, to highlight their bank own characteristics, the establishment of the competitive position of its differentiation, to maintain its excellent operating performance. While conclusions and suggestions, and hope to provide the reference of the domestic banking sector as operators.
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FengTsai, Hsiu, and 蔡秀鳳. "Research of strategic innovation for financial industry development of wealth management business -The case of S Bank." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/5be46t.
Full text
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YAO, CHIA-SHENG, and 姚家勝. "The Relationship Of Financial Innovation And The Business Development Of Wealth Management：An Example Of Chinatrust Commercial Bank." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/54442984390686000687.
Full textAbstract:
碩士國立暨南國際大學
管理學院經營管理碩士學位學程碩士在職專班
101
In the era of low interest margin, the business of wealth management has almost becomes the target market for all financial institutes. It leads domestic banks environment changes. The disputes of sales of personal wealth sometimes to be heard, even personal wealth management has growth booming recently in Taiwan. The main reason which leads to disputes due to the system of wealth management is designed toward sales volume. The consequences are banks to make profit but the trust of customers to banks is getting lower and lower from time to time, while it has become serious negative impact of future wealth management industry. The purpose of this study is to investigate the success of business development of banks in the wealth management market, key success factors and sustainable competitive advantage, to learn how to develop their business strategy and the use of its resources and advantages to highlight their own characteristics, as well as to establish their competitive position of its differentiation to maintain its excellent operating performance.
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Krohne, Maryke Veretta Caroline. "Considerations for the creation of a SADC Reserve Bank : a Namibian perspective." Thesis, 2006. http://hdl.handle.net/10413/1294.
Full textAbstract:
This study is concerned with the feasibility and problems associated with the timely establishment of the SADC monetary union and central bank. During this study an indepth literature review was done to analyse / establish the historical background for the establishment of the monetary union for SADC, to look at the reason for a central bank's existence and the functions performed by the central banks in the region. The study looks at the benchmark used for the establishment of this monetary union, this being the European Union. It looks at the establishment of the monetary union from a political, central banking, commercial banking and business perspective and also how these entities will be affected by the establishment. The study aims at looking at the problems that might prevent the SADC region from reaching the expected implementation date of 2016 and to make some recommendations to assist the different parties to best prepare for the successful implementation of this monetary union for SADC.Thesis (MBA)-University of KwaZulu-Natal, Westville, 2006.
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Chen, Min-Hua, and 陳敏華. "The study of enhancing the healthy development of the bank's wealth management business-A case of U bank." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/90763584942101940229.
Full textAbstract:
碩士元智大學
管理碩士在職專班
101
The high concentration of Taiwan's banks with their many branches seems to become a “mini-profit industry”. Low-risk and high-profit wealth management business thus becomes the key business among banks in order to increasing bank's revenue of fees and profits. Merely to ask the financial consultants to strive for business is not the best way. The case study aims to collect data through interviews and to suggest the execution of “Customer Relationship Management” and “Customer Experience Management” by financial consultants for customers, while considering the attributes and needs of customers to provide the best possible customer satisfaction and enhance customers' loyalty, On the other hand, it aims to enhance“Incentive System”in the bank for financial consultants. When the interests of the customers, financial consultants and bank go in accordance with one another, customers want to increase riches through financial consultants, while financial consultants want to achieve performance targets through the enhancement of services and the bank wants to create profits through financial consultants. It follows that each other's relationship of interdependency increases to create a win-win pattern, in order to enhance the healthy development of U bank wealth management business.
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黃長源. "A Study on the Operational Efficiency of Bank Branches and the Dynamic Development of Business Areas by DEA Approach." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/25232843124429524561.
Full textAbstract:
碩士義守大學
管理科學研究所
85
Since new banks were established, the government has loosened regulations on the establishment of bank branches. Competition in the banking industry has intensified, and risk of operation has increased accordingly. The government is implementing programs to promote the internationalization and liberalization of finance. This practice has tremendous impact on the banking industry and will make the finance market more complicated, leading to an intensified competition among banks. The cost for operationg branches is demanding, and like the headquarters, the branch office must face the pressure brought about by a radically changing environment of finance. Therefore, this study established indices to the improvenent of internal operation, including the efficiency index, index to scale return appraisal, index to management control, index to operating diagnosis, etc. and also established the external index to dynamic development of business areas in order to solve urgent problems of branches and to achieve an advantage in competition. This study took the branches of 1991-1995 as the subjects, the input data included three items of imput and five items of production, and applied the non-parameter DEA Approach to measure the operating efficiency and the non-parameter Malmquist Approach to appraise the potential of “business areas”. This study leads to the following conclusions: (1)The annual efficiency index for the 1991-1995 years was established which enables each branch to understand its own strengths and weaknesses and use of resources. The findings indicate that the long-term efficien\cy index lies between 0.67 and 0.79 and that the lack of technical efficiency primarily accounts for the overall inefficiency. The managers ability to make decisions must be improved in order to redress this weakness. (2)This study obtained the result of scale returm appraisal for each year 1991-1995. According to the result, managers can make proper adjustments until the optimal scale operation is achieved. (3)This study established the index to management control of 1995 to improve the amounts of input and production of inefficient branches. (4)Based on the result of sensitivity analysis, this study obtained the annual index to operting diagnosis 1991-1995 and found that the production of 1993 declined and the declination of 1994-1995 got worse. This expanding negative effect can stimulate managers to think about ways to improve operation. (5)This study established the long-term (1991-1995) index and short-term (1993-1994, 1994-1995) indices to dynamic development of business areas. The findings indicate that eastern counties and cities, offislands (the Pescadores) and distant areas gained but metropolitan areas (Taipei Municipality, Taichung City, Kaohsiung Municipality) declined. The findings also indicate that, in the metropolitan areas, bank branches are concentrated and less competitive but the opposite in eastern counties and cities, off islands, and distant areas.
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Dixon, Peter Robert. "Corporate strategy and corporate environmental responsibility in Canada : multiple descriptive case studies." 2011. http://hdl.handle.net/10170/433.
Full textAbstract:
In recent years we have witnessed growing interest in corporate environmental responsibility and the concept of sustainability amongst businesses globally. Regardless of the motivation, be it competitive advantage, social license to operate, share value (socially responsible investing), shareholder pressure, public pressure, employee retention, cutting operational costs, the escalation of corporate accountability, or even altruistic goals, this is a growing trend among business. This field is in its infancy and requires considerable leadership. This paper is a collection of multiple descriptive case studies focusing on how Canadian best in sectors in the mining, oil and gas, telecom, finance, hospitality, and retail industries are integrating corporate environmental responsibility into their corporate strategy. Many areas for further study have been identified.
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陳智暉. "To confer the orientation of promotion from government owned bank from the development of domestic consumptive financing business－case study." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/16599057393245141866.
Full textAbstract:
碩士義守大學
管理科學研究所
92
Abstract Since 1991, our government has agreed for application of establishment from sixteen (16) new banks and also loosens the condition of limitation for foreign bank to establish branches in Taiwan. Currently under the over banking situation in Taiwan and the rapidly drastic competition on financing market, this environment pushes most new bank widely and strongly to promote the consumptive financing business. Recently the global banks are widely open the consumptive financing business the main reason is not only every country loosen the relative regulation of loan and their government trying to stimulate consumption strategically and upgrade technique of financing, but also consequence vast benefit from consumptive financing business deeply attracts lots financing organization to fully involve into this field. In recently years, the government owned banks were long suffering this recession of integrated economics for years, low atmosphere of stock market, long term of low interest rates, hard running to tradition industries/enterprises, therefore they pursue another business with higher gained benefit-- consumptive financing business. On facing competition and challenge enrolling into consumptive financing market from financing organization, the government owned banks are adjusting their organization, rebuilding their enterprise, strengthening risk management, executing management of enterprise, promoting business of electronic bank, expanding consumptive financing and private bank business, speeding up the merged rate of financing organization, proceeding the spin-off business, developing new financing products and professional human resource of information and financing, etc. to suite this rapid changes of business circumstance, solve the problem of business, and promote the competition. Taiwan Cooperative Bank is one of government owned bank and in recent years their supervisors correctly carry out the cost-lead, the management strategy of diversity and centralized, so as all branch leaders and clerks now the current need from work and orientation by the results under the analyze from SWOT. On consumptive financing, they promote the three in one card─Combo Card and now it becomes the greatest issuing card already. This strategy and effect such as a lion that is fallen asleep wake up suddenly can be a good reference for all government owned bank. This research wish help all government owned bank to promote their consumptive financing business and provide an orientation for all following researchers so as to speed up people-run and allow the Taiwan Cooperative Bank more active, agile, innovated enterprise imagine, eternal services, contribute to society, and create the best record. Key words: consumptive financing, SWOT analyze, foreign allied, government owned banks, five factors analyze
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Chakanyuka, Goodman. "Analysis of the relationship between business cycles and bank credit extenstion : evidence from South Africa." Thesis, 2015. http://hdl.handle.net/10500/19590.
Full textAbstract:
This study provides evidence of the relationship between bank-granted credit and
business cycles in South Africa. The study is conducted in three phases, namely
qualitative research (Phase I), quantitative research (Phase II) and econometric analysis
(Phase III). A sequential (connected data) mixed methodology (Phase I and II) is used to
collect and analyze primary data from market participants. The qualitative research
(Phase I) involves structured interviews with influential or well informed people on the
subject matter. Phase I of the study is used to understand the key determinants of bank
credit in South Africa and to appreciate how each of the credit aggregates behaves during
alternate business cycles. Qualitative survey results suggest key determinants of
commercial bank credit in South Africa as economic growth, collateral value, bank
competition, money supply, deposit liabilities, capital requirements, bank lending rates
and inflation. The qualitative results are used to formulate questions of the structured
survey questionnaire (Quantitative research- Phase II). The ANOVA and Pearman’s
product correlation analysis techniques are used to assess relationship between variables.
The quantitative results show that there is direct and positive relationship between bank
lending behavior and credit aggregates namely economic growth, collateral value, bank
competition and money supply. On the other hand, the results show that there is a
negative relationship between credit growth and bank capital and lending rates. Overall,
the quantitative findings show that bank lending in South Africa is procyclical. The
survey results indicate that the case for demand-following hypothesis is stronger than
supply-leading hypothesis in South Africa.
The econometric methodology is used to augment results of the survey study. Phase III of
the study re-examines econometric relationship between bank lending and business
cycles. The study employs cointegration and vector error correction model (VECM)
techniques in order to test for existence of long-run relationship between the selected
variables. Granger causality test technique is applied to the variables of interest to test for
direction of causation between variables. The study uses quarterly data for the period of
1980:Q1 to 2013:Q4. Business cycles are determined and measured by Gross Domestic
Product at market prices while bank-granted credit is proxied by credit extension to the
private sector. The econometric test results show that there is a significant long-run
relationship between economic growth and bank credit extension. The Granger causality
test provides evidence of unidirectional causal relationship with direction from economic
growth to credit extension for South Africa. The study results indicate that the case for
demand-following hypothesis is stronger than supply-leading hypothesis in South Africa.
Economic growth spurs credit market development in South Africa.
Overall, the results show that there is a stable long-run relationship between macroeconomic
business cycles and real credit growth in South Africa. The results show that
economic growth significantly causes and stimulates bank credit. The study, therefore,
recommends that South Africa needs to give policy priority to promotion and
development of the real sector of the economy to propel and accelerate credit extension.
Economic growth is considered as the significant policy variable to stimulate credit
extension. The findings therefore hold important implications for both theory and policy.Business Management
D.B.L.
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Chao, Nai-hui, and 趙乃慧. "Business Model of Seniors two-way interaction Health system A case study of the integration development of We Care Health Bank Platform." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/fybrzc.
Full textAbstract:
碩士國立臺灣科技大學
企業管理系
102
As our modern society approaches to ageing and low birth rate, the resident health care model became critical for our future. Due to the rapid progress of this society, knowledge economy has been treated as an important way to make a living. Soaring prices and endless pressure of competition leads to the disruptive change of modern family structures, which later reflects the increasing number of nuclear families who have dwindled their time to spend with families. Since most of the family members must go to school and go to work, if the majority of the elder population cannot be provide with proper residential care facilities, they will have to face the threat of daily basis and safety alone. Through the wisdom of physiological measuring equipment, communication terminals with cloud services, and the not only linked but utilized medical services, the immediacy and convenience of using information and communication technology(ICT) shows its advantages. By building up a system that can remotely access a senior’s medical history and provide healthcare management at the same time, a viable medical modes of interactive services is integrated. Due to the experience in the marketing of physiological monitoring medical devices, the author has found the limitation of lack of professionalism and expansion in medical information and imaging system. The authors looks forward to the time when case companies can integrate both industries, highly specialized medical industry and medical ICT industry, also the possibility to innovate and construct a full range of medical communications services with healthcare management. Moreover, the author has held expectations on her own experience and the usage of integrated model to examine the possible mode of medical ICT innovation and integration. Furthermore, the author hopes to theorize and practice it by sorting contexts and classification study, whereas to analyze its resource base on advantages and strategic alliance analysis. After being able to integrate a new business model, it could be plausible to construct a specialized medical cloud service model, which can combine its own techniques and resources to create a profitable business model that allows SME’s to seize the popularity of cloud information, thus successfully transformed their IT services. Keyword: Cloud Service, Senior citizen, Resident Care, Innovative Services, ICT, Resource-based Theory, Strategic Alliances, Business Model Design
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"Research on the Development of Multinational Investment Banks in China." Doctoral diss., 2015. http://hdl.handle.net/2286/R.I.29842.
Full textAbstract:
abstract: This study investigates three issues that are relevant for the development of multinational investment banks in China. The first is about the domestic market conditions that are necessary for a country to develop multinational investment banks. The second issue is about the degree to which China has met these conditions. The last issue focuses on the potential strategies Chinese investment banks can undertake to become multinational corporations.
To address the first issue, I draw an important distinction between international investment banks and multinational investment banks. For an international investment bank to be regarded as a multinational, I propose that it must have a strong presence (i.e., holding at least one percent of the market share) in at least two of the seven major capital markets in the world. Using this criterion, I identify 25 multinational investment banks. I then analyze their home countries’ domestic market conditions and propose that the following six factors are important to the development of multinational investment banks: the size of the home country’s gross domestic product (GDP), the total capitalization of its domestic security market, the number of its Global 500 firms, the volume of its foreign direct investment (FDI), the internationalization of its currency, and the openness of its capital market to foreign investors.
By comparisons, I find that China’s domestic market conditions are comparable to the home countries of multinational investment banks with respect to the size of GDP, total market capitalization, the number of Global 500 firms, and the volume of FDI. What China lags behind are the internationalization of currency and the openness of capital market to foreign investors. Given the current trends of development, it is very likely that China will be able to catch up on the latter within ten years, thus meeting all the conditions necessary for the development of multinational investment banks.
Based on the above findings, I suggest that Chinese investment banks seize this historical opportunity, speed up the internationalization of their businesses, and learn from the experiences of global industry leaders to become truly multinational corporations.Dissertation/Thesis
Doctoral Dissertation Business Administration 2015
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Campino, José Pedro Meira. "Success determinants of Initial Coin Offerings (ICOs)." Doctoral thesis, 2021. http://hdl.handle.net/10071/22505.
Full textAbstract:
Fintech companies have been surging taking advantage of the current technological developments and have been challenging traditional incumbents. Disruptive ventures financed by cryptocurrencies are one of the main topics related to technological developments, capable of completely eliminating the need for a third-party intervenient and reducing the gap between investors and promoters. The purpose of this thesis is to identify the main impacts that fintech companies have on the business models of traditional banking/financial institutions and to focus on the success factors of disruptive and highly technological Initial Coin Offerings (ICO) projects, particularly, on the human capital factors. In order to do that, the thesis is divided into three main studies, each one of them focused on a particular topic. The methods used in this thesis are mixed as a qualitative approach was adopted through a systematic literature review, and a quantitative approach was performed by building several econometric models.
This thesis concludes that fintechs cannot be considered complete substitutes to the traditional services yet. Nevertheless, they are posing incumbents challenges and exposing the weaknesses of their business models. The banking/financial institutions need to urgently adapt their business models in order to remain competitive, and most of them already accepted this challenge. The ICO projects also present a disruption and a step forward in the democratization of the financial investments. This study identified a wide range of success factors influencing the outcome of an ICO project. The success factors might be divided into categories according to their scope: (i) project; (ii) campaign; (iii) social networks; (iv) human capital. It is concluded that several factors have a real impact in the outcome of the projects, such as, the existence of financing thresholds, the quality of the whitepaper, the existence of a secondary market and bonus schemes, the price of the tokens, the price of cryptocurrencies, the good management of social networks, the promoters’ geographic location, their networks, the size of the teams, external ratings attributed to the project and to the team.
In terms of theoretical contributions, this study added a contribution to the still scarce literature on ICO projects and to two theories, namely, the signaling theory and Human Capital Theory (HCT). The managerial implications concern mainly the assessment of the quality of a project by the investors and the need for regulation by supervisors.As empresas fintech surgiram tomando partido dos atuais desenvolvimentos tecnológicos tendo desafiado os atuais atores do mercado. Projetos disruptivos financiados nomeadamente por cripto moedas são um dos tópicos relacionados com o desenvolvimento tecnológico e capazes de eliminar a necessidade para o envolvimento de terceiros na mediação financeira reduzindo assim o hiato entre investidores e promotores. O propósito desta tese é o de identificar os principais impactos que as empresas fintech têm nos modelos de negócio das empresas financeiras já estabelecidos no mercado. Terá um foco especial nos fatores de sucesso dos projetos baseados na blockchain denominados Initial Coin Offerings (ICOs), em particular, os fatores relacionados com o capital humano. Assim, a tese está dividida em três estudos principais com focos diferentes. A metodologia usada nesta tese é de métodos mistos: uma metodologia qualitativa foi usada na revisão sistemática da literatura; e uma metodologia quantitativa foi usada na construção e estimação de modelos econométricos, tendo por base microdados de 428 projetos de ICOs do setor bancário. Esta tese conclui que as fintechs não podem ser ainda consideradas substitutos dos serviços financeiros tradicionais. Contudo, estas colocam desafios e expõem as fraquezas dos modelos de negócio tradicionais. A indústria financeira necessita de adaptar urgentemente os seus modelos de negócio para se manter competitiva. Este desafio já foi aceite por várias empresas. Os ICOs causam disrupção e são um grande passo para a democratização dos investimentos financeiros. Este estudo identificou um conjunto alargado de fatores de sucesso que influenciam o resultado final destes projetos. Os fatores podem agrupar-se em categorias: (i) projeto; (ii) campanha; (iii) redes sociais; (iv) capital humano. Os fatores que esta tese comprovou contribuírem para o sucesso de um projeto são os seguintes: pré-existência de limites de financiamento; a qualidade do whitepaper; a existência de um mercado secundário e esquema de bonificações; o preço dos tokens; o preço das cripto moedas; a boa gestão de redes sociais; a localização geográfica e a rede de contactos dos promotores; o tamanho das equipas; ratings externos atribuídos ao projeto e à equipa.No que diz respeito às contribuições teóricas, esta tese contribuiu para a escassa literatura no tema dos ICOs e para duas teorias, nomeadamente a siganling theory e Human Capital Theory (HCT). As contribuições práticas deste estudo relacionam-se com a avaliação da qualidade do projeto e a necessidade premente dos reguladores tomarem medidas nestes mercados.