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Journal articles on the topic 'Credit security'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Yang, Ming-Hour. "Security Enhanced EMV-Based Mobile Payment Protocol." Scientific World Journal 2014 (2014): 1–19. http://dx.doi.org/10.1155/2014/864571.

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Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant’s reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. Th

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2

Rowlingson, R. "Credit crunch, security crunch." ITNOW 51, no. 1 (2009): 32. http://dx.doi.org/10.1093/itnow/bwp020.

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3

Jacob, Otu Enyia, and Usang Okon Emmanuel. "Classification of Credit Security in Nigeria: Resolving the Perceived Dichotomy." Journal of Economics and Business 1, no. 2 (2018): 190–97. https://doi.org/10.31014/aior.1992.01.02.18.

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This article is focused on the classification of credit security in Nigeria with a view to resolving the perceived dichotomy in the categorization. Credit security generally is within the ambit of property law which is circumstanced in secured credit. The work also attempts to determine the legal basis of this classification and the inherent utilities. We summarize that classification of security should be maintained for the purpose of distinction and clarity in aid of the unwary and non-legal minds.

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4

Osabohien, Romanus, Adesola Afolabi, and Abigail Godwin. "An Econometric Analysis of Food Security and Agricultural Credit Facilities in Nigeria." Open Agriculture Journal 12, no. 1 (2018): 227–39. http://dx.doi.org/10.2174/1874331501812010227.

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Background:It is a known fact that the efficiency of credit facility positively contributes to production base of a sector, especially the Nigerian agricultural sector which is recognised as the heartbeat of the economy by employing over 70% of the country’s labour force; this forms the motivation for this study.Objective:This study examined the potential of agricultural credit facilities in terms of commercial bank credit to agriculture and agricultural credit guarantee scheme fund (ACGSF) and their corresponding interest rates to farmers towards increasing agricultural production as the path

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5

Li, Zhaojun, Ming Zhu, and Ning Zhang. "Research on Dynamic Evaluation of Metro Passenger Credit." E3S Web of Conferences 372 (2023): 02016. http://dx.doi.org/10.1051/e3sconf/202337202016.

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With the expansion of metro network, the large passenger flow in peak hours has brought great challenges to metro operation. While upgrading the security inspection, the traffic efficiency of passengers in metro stations has also been affected. Considering public security and security inspection efficiency, using the method of passenger credit rating to establish a differentiated security inspection mode has become the development direction of intelligent security inspection in the future. It is necessary to study the passenger credit evaluation system due to a lack of research on metro passen

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6

Saha, Mainak, M. Trinath Basu, Arpita Gupta, et al. "Enhancing credit card security using RSA encryption and tokenization: a multi-module approach." International Journal of Informatics and Communication Technology (IJ-ICT) 14, no. 1 (2025): 132. https://doi.org/10.11591/ijict.v14i1.pp132-140.

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The security of credit card information remains a critical challenge, with existing methods often falling short in safeguarding data integrity, confidentiality, and privacy. Traditional approaches frequently transmit sensitive information in unencrypted formats, exposing it to significant risks of unauthorized access and breaches. This study introduces a robust security framework that leverages Rivest-Shamir-Adleman (RSA) encryption and tokenization to protect credit card information during transactions. The proposed solution is structured into three key modules: merchant, tokenization, and to

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Mainak, Saha, Trinath Basu M., Gupta Arpita, et al. "Enhancing credit card security using RSA encryption and tokenization: a multi-module approach." International Journal of Informatics and Communication Technology 14, no. 1 (2025): 132–40. https://doi.org/10.11591/ijict.v14i1.pp132-140.

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The security of credit card information remains a critical challenge, with existing methods often falling short in safeguarding data integrity, confidentiality, and privacy. Traditional approaches frequently transmit sensitive information in unencrypted formats, exposing it to significant risks of unauthorized access and breaches. This study introduces a robust security framework that leverages Rivest-Shamir-Adleman (RSA) encryption and tokenization to protect credit card information during transactions. The proposed solution is structured into three key modules: merchant, tokenization, and to

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8

Fadeikina, N. V., and V. S. Zyryanov. "Information and economic security of a credit institution as factors of ensuring its sustainable development." Siberian Financial School, no. 2 (August 26, 2024): 50–60. http://dx.doi.org/10.34020/1993-4386-2024-2-50-60.

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The article defines the essence of information security as an essential component of the economic security of a credit institution on the basis of many definitions of the concepts of "information security" and "economic security" formulated by different researchers taking into account different points of view. Special attention is paid to new regulatory documents regulating the security of the critical information infrastructure of the Russian Federation, ensuring the information security of the credit and financial sector, improving the operational risk management system and comprehensive mod

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9

Dr. S. Gandhimathi and Ms. J. Soundarya. "Credit Card Transaction Security Using Facial Recognition Technology." International Journal of Scientific Research in Computer Science, Engineering and Information Technology 11, no. 2 (2025): 2358–65. https://doi.org/10.32628/cseit23112573.

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The most prevalent issue nowadays in the modern world is credit card fraud. This is due to the growth in internet transactions and e-commerce websites. When a credit card is stolen and used for unauthorized purposes, or when a fraudster uses the card's information for his own gain, credit card fraud happens. Because the credit card offers significant usage as a payment instrument, it is often used. As we all know, there are several opportunities for attackers or hackers to acquire sensitive data from online transactions. For both valid and invalid transactions, the information is processed and

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10

Khan, Aliza. "INDIVIDUAL'S BEHAVIOR AND PERCEPTION TOWARDS CREDIT CARD ADOPTION." Journal for Business Education and Management 3, no. 1 (2023): 23–40. https://doi.org/10.56596/jbem.v3i1.90.

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This study investigates how people use credit cards and how they behave. The focus is on rewards, interest rate risks, security risks, and demographics. The motivations for this study are the increasing prevalence of credit cards in modern society and the need to understand the factors influencing consumers' decisions to use credit cards. It examines how various factors influence people's opinions about using credit cards, how rewards programs offered by the credit card industry influence people's opinions, how security Risks and interest rate risks affect people's opinions, and how satisfied

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11

Balatskyi, Y., and V. Murka. "PROBLEMARY ASPECTS OF FINANCIAL AND ECONOMIC SECURITY OF COMMERCIAL BANKS." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 7–13. http://dx.doi.org/10.21272/1817-9215.2019.1-1.

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The article substantiates the issue of important aspects of financial and economic security of commercial banks. In order to maintain the financial and economic security of the bank, it is important to comply with a number of conditions. Such conditions include an adequate level of liquidity, securing loan repayments, increasing bank profitability and minimizing banking risks. Models and methods by which the level of financial and economic security of banks are evaluated are analyzed and systematized in the article. All available models are reduced to an economic security assessment, as the ba

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A.V., Zembekov, and Selezneva E.Yu. "ASSESSMENT OF THE INFORMATION COMPONENT OF THE ECONOMIC SECURITY OF CREDIT INSTITUTIONS." ИННОВАЦИОННЫЕ НАУЧНЫЕ ИССЛЕДОВАНИЯ 2023. 1-2(25) (February 5, 2023): 71–78. https://doi.org/10.5281/zenodo.7607856.

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Today, credit organizations are leaders in the field of digital technologies, which in turn increase the importance of the issue of ensuring information security (IS) in the organization's activities. The problem of assessing the state of the organization's information security system, which is one of the main stages of the information security management process, becomes relevant. The article is devoted to an overview of the methods and techniques for assessing the IS of credit institutions, as well as their application for assessing the information component of the economic security

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13

Fitzgerald, Richard J. "Quantum security for your credit card." Physics Today 68, no. 2 (2015): 16–17. http://dx.doi.org/10.1063/pt.3.2676.

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14

Moeller, Mike. "Credit cards get high-tech security." Computer Fraud & Security Bulletin 1993, no. 11 (1993): 7. http://dx.doi.org/10.1016/0142-0496(93)90109-a.

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15

Kozminykh, Sergey. "Development of a Methodology and Mathematical Model for Quality Assurance of an Integrated Security System for a Credit and Financial Facility." Voprosy kiberbezopasnosti, no. 3(43) (2021): 31–42. http://dx.doi.org/10.21681/2311-3456-2021-3-31-42.

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The purpose of the work: is to develop a methodology and a mathematical model for ensuring the quality of an integrated security system for a credit and financial facility. The authors used the modern: theory of quality control to determine the quality of the integrated security system of credit-financial sphere, the formalization of analysis and quality control an integrated security system, Markov processes in quality management of the integrated security system of credit-financial sphere as well. The methods of causal analysis are applied in the quality management of the integrated security

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16

Awazi, Nyong Princely. "Driving sustainable agroforestry through carbon credit-based policies: Realities and perspectives." Natural Resources Conservation and Research 8, no. 1 (2025): 10184. https://doi.org/10.24294/nrcr10184.

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Carbon credit-based policies are important to driving sustainable practices worldwide. These policies have in the past focused mainly on wetlands, forests, and other ecosystems, neglecting agroforestry—which is a climate-smart and agroecological practice. This paper therefore seeks to examine how carbon credit-based policies can drive sustainable agroforestry through an in-depth empirical review of literature. It was found that the most common carbon credit-based policies and schemes are government-led, including the CCER (China Certified Emissions Reduction), ETS (EU Emissions Trading System)

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17

Шевченко, Наталія, and Марта Копитко. "PROBLEMS OF RISK MANAGEMENT AND CREDIT SECURITY OF BANKS IN CONDITIONS OF WAR AND ECONOMIC INSTABILITY." "Scientific notes of the University"KROK", no. 4(76) (December 31, 2024): 287–94. https://doi.org/10.31732/2663-2209-2024-76-287-294.

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The article considers the basic essence of the concept of “bank credit security”, which is defined as a set of measures or directions aimed at minimizing the negative risks associated with the issuance, management and repayment of loans to individuals and legal entities. It is determined that the main structural elements of credit security management by a banking institution are: formation of a loan portfolio, credit policy and credit strategy; identification of risks and factors affecting the level of credit security; insurance against credit risks: formation of reserves, diversification, set

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18

Wikeley, Nick. "The new tax credits and appeals." Benefits: A Journal of Poverty and Social Justice 12, no. 1 (2004): 21–25. http://dx.doi.org/10.51952/vpba9882.

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The introduction of Working Tax Credit and Child Tax Credit from April 2003 has resulted in much publicised delays in payments of the new tax credits to claimants. But the way in which claimants can challenge decisions made by the Inland Revenue on tax credits claims has received relatively little scrutiny. The current appeal arrangements represent an awkward compromise between the very different appeals systems that apply to income tax and social security disputes respectively. Most tax credit appeals are heard by The Appeals Service (TAS) tribunals, but with the adoption of some principles d

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19

Dewi, Ilma Satriana, Dwi Rachmina, and Netti Tinaprilla. "PERANAN KREDIT KETAHANAN PANGAN DAN ENERGI DALAM PENINGKATAN PRODUKSI DAN KEUNTUNGAN USAHATANI PADI DI KABUPATEN KAMPAR, RIAU PROVINSI." DINAMIKA PERTANIAN 30, no. 2 (2017): 163–70. http://dx.doi.org/10.25299/dp.2015.vol30(2).810.

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The majority of farmers with small scale enterprises are still facing a capital shortage primarily rice farming. Capital constraints caused farmers must perform farm activities with a limited input. Limited input causing the output and the revenue generated is not optimal. Food security and energy credits are one of the credit which intends to help especially rice farmers. By the low interest rate, this credit is expected to help farmers for improving the use of inputs and increasing the output and revenue. The aims of study are to evaluate the use of credit on production activities and to ana

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20

Gontar, Anastasia, Vladimir Plotnikov, Nadezda Chernovanova, and Elena Yagupova. "The use of accounting information for assessing the economic security of commercial banks." E3S Web of Conferences 91 (2019): 08065. http://dx.doi.org/10.1051/e3sconf/20199108065.

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The authors studied the use of accounting information for assessing the level of economic security of commercial banks. The article substantiates the choice of financial indicators of credit institutions as input parameters of the neural network. The analytical platform Deductor Studio Academic was chosen as the instrumental environment for assessing the level of economic security of banks. With its help, cluster analysis was performed. The division of the initial set of credit institutions into subsets (economic security classes) used the k-means method with splitting into three clusters: clu

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21

Onyshchenko, Svitlana, Igor Shchurov, Anna Cherviak, and Oleksandr Kivshyk. "METHODICAL APPROACH TO ASSESSING FINANCIAL AND CREDIT INSTITUTIONS’ ECONOMIC SECURITY LEVEL." Financial and credit activity problems of theory and practice 2, no. 49 (2023): 65–78. http://dx.doi.org/10.55643/fcaptp.2.49.2023.4037.

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Ensuring the economic security of the functioning of all economic entities is one of the main tasks, the solution of which makes it possible to preserve national sovereignty. Since February 24, 2022, the domestic economy has been suffering from russia's brutal, open and large-scale military aggression and is in a state of constant turbulence. That, in turn, causes increased attention to security issues at all levels of the economy in the face of global, geopolitical, and domestic economic threats. That is why this study aims to develop a methodical approach to assessing the level of economic s

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22

Kuznetsova, E. G., and T. E. Shilkina. "MODERN WAYS TO NEUTRALIZE THREATS TO THE ECONOMIC SECURITY OF A CREDIT ORGANIZATION." Vestnik of the Russian University of Cooperation, no. 1(43) (April 26, 2021): 72–76. http://dx.doi.org/10.52623/2227-4383-1-43-14.

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The article is devoted to the assessment of the developed tools for ensuring the economic security of banks. The authors reveal the main elements that form the security system of a credit institution, present innovative techniques and tools for ensuring the economic security of a credit institution, and describe the detailed mechanism of the bank's security service. Special attention is paid to the study of the classification of information about counterparties and the degrees of risk for interacting with them using modern information technologies. The authors describe the main and main ways t

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23

Manzilati, Asfi, Yenny Sari, Suprayogi Suprayogi, and Anthon Efani. "The Effect of Credit Access on Food Security of Small Fishermen in East Java." HABITAT 34, no. 2 (2023): 132–40. http://dx.doi.org/10.21776/ub.habitat.2023.034.2.12.

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The development of access to credit in various developing countries has increased. Some of these studies show a positive and significant impact on the productivity of rural communities. Although several previous studies have proven the importance of credit in increasing the productivity of rural communities. The purpose of this study was to examine the effect of access to credit on the food security of small fishermen in East Java. Yet, the data was analysis using an ordinary least square (OLS) and an ordered probit model. The results of this study show that fishermen's food security is includ

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24

Aditya Rizaldi, Kevin, and Mahendra Fakhri. "The Power of Trust, Security, and Risk in Shaping Online Credit Behavior: A Study on Shopee’s SPayLater." International Journal of Business Review (The Jobs Review) 7, no. 2 (2024): 173–80. https://doi.org/10.17509/tjr.v7i2.54120.

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Purpose- This study investigates the influence of trust, security, and risk on online credit decisions, specifically focusing on Shopee's SPayLater feature. The research aims to understand how these factors affect consumers' decisions to adopt and use online credit services, an area of growing importance in e-commerce and fintech.Design/Methods/Approach – A descriptive causal research design with a quantitative approach was employed. Data was collected using a structured questionnaire distributed online, utilizing a Likert scale to measure respondents' attitudes and perceptions towards trust,

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25

C. Vijesh Joe. "Analysis of Hybrid Securing Digital Payment System through Risk Perception." December 2022 4, no. 4 (2022): 212–24. http://dx.doi.org/10.36548/jei.2022.4.001.

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This study article discusses a novel method of electronic payment wherein a retailer is made incapable of obtaining a customer's payment details which therefore accomplishes a secure transaction. Customers' payment information, often a credit or debit card detail, faces a number of security issues when transmitted to a retailer via the Internet. Credit card data theft, credit card fraud, and data manipulation are all potential threats. A company has the option of either using or storing client information. If a retailer does not take enough precautions to protect its server or system against d

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26

Iziga, Jude I., and Shingo Takagi. "Food Consumption–Production Adjustments to Economic Crises under Credit Constraints in Nigeria." Sustainability 14, no. 14 (2022): 8955. http://dx.doi.org/10.3390/su14148955.

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Poverty and food security risks are increasing in resource-reliant African countries such as Nigeria. Resultantly, policymakers have attempted to use agricultural policy reforms to boost productivity and increase income. However, macroeconomic instabilities complicate agricultural transformation. Consequently, farm households try to diversify food production to mitigate shock-induced nutrition losses. However, credit constraints disrupt the planting of different crops required for adequate diets. This study investigates food security performance during Nigeria’s Agricultural Transformation Age

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27

Shadrack AKPORAWO, Peter Otunaruke Emaziye, and Onyeidu Samuel Osemedua. "Effect of agricultural credits on production among smallholder crop farmers in delta state." World Journal of Advanced Research and Reviews 16, no. 2 (2022): 437–48. http://dx.doi.org/10.30574/wjarr.2022.16.2.1196.

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The study analysed the effect of agricultural credits on production among smallholder crop farmers in Delta State. Multistage random sampling procedure was adopted for the selection of 210 respondents. Data were collected from primary sources through the use of structured questionnaires and analysed through the use of descriptive and inferential statistical tools. The result showed that most of the respondents were in the age range of 41years to 50 years who were married with secondary school education. Majority were engaged in farming as their primary occupation having mean family size of 8 p

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28

Owuor, Ombok Benjamin. "EXAMINING EFFECT OF FORWARD INTEGRATION CREDIT RISK MITIGATION MECHANISMS ON RETURN ON EQUITY (ROE) OF AGRIBUSINESS FIRMS IN KENYA." EPH - International Journal of Business & Management Science 1, no. 2 (2015): 5–12. http://dx.doi.org/10.53555/eijbms.v1i2.34.

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Commercial Banks apply Forward Integration Credit Risk Mitigation Mechanisms (FICRMMs) to promote credit access, security and productivity for various sectors, since credits make a significant portion in business’ capital structure and performance. Credits to the agribusiness sector; which contributes 53% to employment in developing countries, and 80% in Kenya, has registered decreasing trends between 2002 and 2016; ranging from 6.5% to 2.9%. However, there is little information on the effect of Forward Integration Credit Risk Mitigation Mechanisms on agribusiness firms’ performance with respe

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Shadrack, AKPORAWO, Otunaruke Emaziye Peter, and Samuel Osemedua Onyeidu. "Effect of agricultural credits on production among smallholder crop farmers in delta state." World Journal of Advanced Research and Reviews 16, no. 2 (2022): 437–48. https://doi.org/10.5281/zenodo.7785569.

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The study analysed the effect of agricultural credits on production among smallholder crop farmers in Delta State. Multistage random sampling procedure was adopted for the selection of 210 respondents. Data were collected from primary sources through the use of structured questionnaires and analysed through the use of descriptive and inferential statistical tools. The result showed that most of the respondents were in the age range of 41years to 50 years who were married with secondary school education. Majority were engaged in farming as their primary occupation having mean family size of 8 p

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30

Gogulakrishnan Thiyagarajan. "Securing Credit Inquiries: The Role of Real-Time User Approval in Preventing SSN Identity Theft." Journal of Information Systems Engineering and Management 10, no. 35s (2025): 336–56. https://doi.org/10.52783/jisem.v10i35s.6011.

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Unauthorized credit inquiries are also a central entry point for identity theft, with Social Security Numbers (SSNs) being widely utilized in fraudulent cases. Traditional credit inquiry systems do not usually possess strict user authentication, making them vulnerable to unauthorized access. This paper proposes a real-time user authorization system to enhance security by enforcing explicit user approval before processing any credit inquiry. The system employs real-time verification and approval techniques. This ensures that the authorized user only approves or rejects a credit check request. I

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31

Abelova, L. A., R. A. Zakharkina, and N. N. Kataykina. "FINANCIAL SECURITY ASSESSMENT OF A CREDIT ORGANIZATION." Вестник Алтайской академии экономики и права 1, no. 5 2021 (2021): 5–12. http://dx.doi.org/10.17513/vaael.1680.

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32

Maheshwari, Abhishek, and S. K. Saritha. "Flaws & Frauds Hindering Credit Cards Security." International Journal of Engineering Trends and Technology 24, no. 1 (2015): 26–31. http://dx.doi.org/10.14445/22315381/ijett-v24p206.

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33

Bespalko, A. A. "Social credit system: security and threat factors." Systems and Management 2, no. 2 (2020): 91–100. http://dx.doi.org/10.47351/2658-7874_2020_2_2_91.

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34

Grover, Chris. "Cutting social security and tax credit spending." Journal of Poverty and Social Justice 19, no. 3 (2011): 235–47. http://dx.doi.org/10.1332/175982711x596982.

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35

Беляев, Евгений, and Илья Лившиц. "Information security management model of credit institutions." Управление финансовыми рисками 3 (2023): 180–94. http://dx.doi.org/10.36627/2221-7541-2023-3-3-180-194.

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36

McCormack, Gerard. "UNCITRAL, security rights and the globalisation of the US Article 9." Northern Ireland Legal Quarterly 62, no. 4 (2020): 485–504. http://dx.doi.org/10.53386/nilq.v62i4.432.

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This article provides a critical analysis of the UN Commission on International Trade Law (UNCITRAL) proposals for developing – through its Legislative Guide (the Guide) – a 'liberal' global secured credit law regime that opens up the range of assets that can be used for securing loans and that limits formal procedures required for taking security interests. The article argues that UNCITRAL’s reliance on Article 9 of the US Uniform Commercial Code is problematic for various reasons. First, it neglects reference to indigenous secured credit law norms that also reflect national social policy cho

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Whitener, Brian. "From Racial Democracy to Credit Democracy: Finance and Public Security in Brazil." Brasiliana: Journal for Brazilian Studies 4, no. 2 (2016): 221–53. http://dx.doi.org/10.25160/bjbs.v4i2.23499.

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My aim in this article is to provide a first pass at thinking the social effects of this credit expansion which I do via credit as a form of public security. In the first part of this article, I chart the expansion of personal credit as a form of financial corporativism during PT governments in Brazil since 2003. As well, I trace some of the principle cultural mediations of credit and the role of Rio de Janeiro as the site of the production of these mediations, in particular the form of financial mestizagem elaborated in the 2012 novela Cheias de Charme. In the second part, I turn my attention

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38

Nurdiana, Dian, Adhi Susilo, Dwi Astuti Aprijani, and Andri Suryadi. "Sistem Informasi Alih Kredit Mata Kuliah (SIAKSI) untuk Mahasiswa berbasis Web." Edumatic: Jurnal Pendidikan Informatika 6, no. 2 (2022): 384–93. http://dx.doi.org/10.29408/edumatic.v6i2.6753.

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Currently, the Open University Information Systems study program has developed a credit transfer application but it is not optimal. Administrators and assessing lecturers must manually input student credit transfer applications and students cannot monitor the credit transfer application process. The purpose of this study is to create an information system for transferring course credits for students so as to overcome problems in current business processes. The software development method uses Waterfall which consists of needs analysis, design, coding and testing. The analysis stage uses the PI

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39

Andros, Svitlana. "Financial Needs of Agricultural Enterprises and the Need for their Credit Security." Economics: time realities 1, no. 71 (2024): 5–13. http://dx.doi.org/10.15276/etr.01.2024.1.

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The theoretical foundations of the development of an agricultural enterprise as a subject of credit relations are considered. The important function of bank credit in the development of small agribusiness is substantiated. The activities of commercial banks in providing credit resources to agricultural enterprises are analyzed. Attention is focused on the factors influencing the financial needs of agricultural enterprises and the need to provide them with credit resources is shown. The criteria for determining financing for small agricultural enterprises are substantiated. The reasons slowing

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40

Andros, Svitlana. "Financial Needs of Agricultural Enterprises and the Need for their Credit Security." Economics: time realities 1, no. 71 (2024): 5–13. https://doi.org/10.5281/zenodo.10914534.

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The theoretical foundations of the development of an agricultural enterprise as a subject of credit relations are considered. The important function of bank credit in the development of small agribusiness is substantiated. The activities of commercial banks in providing credit resources to agricultural enterprises are analyzed. Attention is focused on the factors influencing the financial needs of agricultural enterprises and the need to provide them with credit resources is shown. The criteria for determining financing for small agricultural enterprises are substantiated. The reasons slowing

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41

A., Okidim I., E. C. Chukuigwe, Okuduwor A. A., and Ezihuo N. "Determinants of Agricultural Credit Acquisition Amongst Poultry and Fish Farmers in Selected LGA’s of Rivers State, Nigeria." International Journal of Agriculture and Earth Science 8, no. 7 (2023): 17–27. http://dx.doi.org/10.56201/ijaes.v8.no7.2022.pg17.27.

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The study analyzed the determinants of agricultural credit acquisition by poultry and fish farmers in Obio/Akpor and Port Harcourt Local Government Area, Nigeria. Simple random sampling technique was used to select 100 farmers from 10 communities in the study area. The objective of the studies are to, describe the socio-economic characteristics of the respondents, identify the sources of credits available to the farmers, determine factors influencing credit acquisition in the and analyse the constraints influencing farmers access to agricultural credit in the study area. The research instrumen

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Obuobi, Nana. "Determinants of Farm Credits Access by Cereal Farmers in the Ghanaian Economy." Agriculture, Forestry and Fisheries 13, no. 6 (2024): 287–300. https://doi.org/10.11648/j.aff.20241306.18.

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Farm credit is one of the major boosters to agricultural productivity among cereal farmers. Cereals contribute immensely to the staple foods in Ghana. In view of this, higher productivity in cereal production addresses the food security issues in the country largely. Despite the impressive performance, yet Cereal farmers experience bottleneck issues in relation to farm credit. These further results in stifling cereal productivity in Ghana. This study seeks to underscore the importance of farm credit among cereal farmers in Ghana. The objective of this study is to identify the factors that infl

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43

Antonova, Olena. "MAIN THREATS TO THE FORMATION OF THE SECURITY SYSTEM OF BANKS CREDIT ACTIVITIES." Actual Problems of Economics 1, no. 223 (2020): 55–72. http://dx.doi.org/10.32752/1993-6788-2020-1-223-55-72.

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The article considers the main threats to the formation of the security system of credit activity of banks. It is proved that the security of banking institutions is multifunctional and complex. This is an important component of national security, which is characterized by balance and resilience to external and internal threats, its ability to achieve its goals and generate sufficient financial resources to ensure sustainable development. It is proposed to consider the security of banking activities as the security of the bank, banking staff, security of banking operations, as well as the secu

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Kashyap, Dr Dipti N., Dr Kshitij Naikade, Dr Arvind Kumar Pandey, Dr Nittin Sharma, Dr Sadaf Hashmi, and Dr Sachin S. Pund. "Enhancing Credit Card Data Security Using AI-integrated Encryption and Tokenization Framework." Journal of Internet Services and Information Security 15, no. 1 (2025): 316–29. https://doi.org/10.58346/jisis.2025.i1.020.

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In an age dominated by the rapid advancement of digital transactions, safeguarding sensitive financial information in cloud computing, particularly credit card data, has become increasingly crucial. Traditional security measures in financial cloud computing have shown weaknesses in ensuring the confidentiality, privacy and integrity of data, leaving unencrypted information vulnerable to unauthorized access and exposure. This paper introduces an innovative method called Tokenized Elliptic-Homomorphic Cryptography (TE-HC) which improves the financial information security in cloud computing. Addi

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Atikah, Ika. "THE URGENCY OF MORTGAGE AGREEMENT AS AN EFFORT TO REALIZE THE TRUST BY BANK AS CREDITOR." Jurnal Hukum dan Peradilan 10, no. 1 (2021): 31. http://dx.doi.org/10.25216/jhp.10.1.2021.31-63.

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This study focuses on the legal certainty of the implementation of loans for mortgage rights which are the object of collateral in the form of money-valued objects when bad loan occurs, which are regulated in the main agreement as an effort to manifest the trust of creditors of banking institutions whose existence is highly sought after by the Indonesian people. The method used in this study focuses on the normative with the conceptual approach and statute approach. The results of this study indicate that Credit agreements must be considered by the bank as creditor and by the customer as the d

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Hendarsyah, Decky. "Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan." JPS (Jurnal Perbankan Syariah) 1, no. 1 (2020): 85–96. http://dx.doi.org/10.46367/jps.v1i1.204.

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This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in vari

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Dukić-Mijatović, Marijana, and Dragan Đorđević. "Standby letter of credit as a means of security in international contractual relations." Pravo - teorija i praksa 40, no. 4 (2023): 1–16. http://dx.doi.org/10.5937/ptp2304001d.

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The subject of this paper is a type of letter of credit that is not commonly encountered in the practices of domestic banks. It is not specifically regulated by domestic legislation; however, its significance is expected to grow in the international business relations of our businessmen with companies from other countries where the use of this payment security instrument is common in the banking industry. This type of letter of credit is theoretically of disputed legal nature, raising questions about whether it qualifies as a letter of credit, a type of guarantee, or a distinct legal institute

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Millar, Jane, and Fran Bennett. "Universal Credit: Assumptions, Contradictions and Virtual Reality." Social Policy and Society 16, no. 2 (2016): 169–82. http://dx.doi.org/10.1017/s1474746416000154.

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Universal Credit is a major change in the UK's social security system which will affect around eight million households by replacing six existing means-tested benefits and tax credits with a single benefit, based on income, assets and circumstances, and paid monthly. Much commentary about Universal Credit has supported the principle but raised concerns about delivery. This consensus about the principles and the focus on delivery have resulted in less attention being paid to key policy choices informing the design. This article examines two aspects of the design of Universal Credit: the aim to

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Usvanov, Vadim. "THE STABILITY OF REGIONAL FINANCIAL AND CREDIT INSTITUTIONS AS A FACTOR IN THE ECONOMIC SECURITY OF THE CITY OF MOSCOW." Research of Economic and Financial Problems, no. 4 (December 31, 2022): 1–11. http://dx.doi.org/10.31279/2782-6414-2022-4-3-1-11.

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Introduction. The economic security of regions in the Russian Federation is the basis of national security. It is necessary to conduct a comprehensive study of the mechanism for ensuring the stability of regional fi nancial and credit institutions as a factor in the economic security of the region, as well as to determine the stability and sustainability of this mechanism against various risks and threats. Methodology. As initial information for the analysis of the fi nancial and credit system of Moscow, we used information on the socio-economic situation of Moscow for 2019-2021, presented on

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Nagesh Mapari, Samiksha Sandip Borkar, Karan Pradip Morey, Harshwardhan Tejrao Pawar, and Om Vishwanath Vasu. "A Systematic Credit Card Analysis for Detection of Compromised Data Using Machine Learning." International Research Journal on Advanced Engineering and Management (IRJAEM) 3, no. 04 (2025): 1273–77. https://doi.org/10.47392/irjaem.2025.0208.

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Credit card security is paramount for banks, especially during the pre-issuance phase. This paper examines the multifaceted security measures implemented by banks to protect credit cards and cardholder data before a card is even issued. We explore the vulnerabilities inherent in the card production and personalization processes, and analyze the various countermeasures employed to mitigate these risks. These include secure printing facilities, data encryption, EMV chip technology integration, and rigorous access controls. Furthermore, we discuss the importance of robust data security protocols

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