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Journal articles on the topic 'Details of economic loans'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

ALI DHYAA HUSSIN ALSHAMMARI. "Legal framework for foreign debt of countries." Al-Ghary Journal of Economic and Administrative Sciences 20, no. 2 (2024): 838–57. http://dx.doi.org/10.36325/ghjec.v20i2.16546.

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Foreign loans have distinct provisions regarding their legal nature, foreign loans are different than sources of international financing such as foreign investment, and foreign aid. Moreover, foreign loans differ from internal loans, including interest rates, borrowing conditions, loan donors, and other factors. The paper focuses on the idea that an international debt contract takes many forms such as an international treaty, it needs to a treaty requires the fulfillment of specific formal and substantive conditions to acquire its international legal status. The research problem revolves aroun

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Suhartono, Suhartono, and Achmad Tjahjono. "ANALISIS KOMPARASI KINERJA KEUANGAN KOPERASI SIMPAN PINJAM DENGAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARI’AH DI DAERAH ISTIMEWA YOGYAKARTA PERIODE 2013-2017." Kajian Bisnis STIE Widya Wiwaha 27, no. 2 (2019): 207–25. http://dx.doi.org/10.32477/jkb.v27i2.350.

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The purpose of this study is: to test whether there are differences in financial performance between Savings and Loans Cooperatives and Sharia Financing (KSPPS) and Conventional Savings and Loans Cooperatives (KSP) by comparing 5 (five) variables, namely: Liquidity, Solvency, Economic Rentability, Asset Growth , and Member Growth. This study uses secondary data with a total of 10 (ten) Cooperatives with details of 5 (five) Savings and Loan Cooperatives and Shari’ah Financing (KSPPS) and Conventional Savings and Loans Cooperatives (KSP) of 5 (five) with observation periods between 2013 - 2017.

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Suhartono, Suhartono, and Achmad Tjahjono. "ANALISIS KOMPARASI KINERJA KEUANGAN KOPERASI SIMPAN PINJAM DENGAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARI’AH DI DAERAH ISTIMEWA YOGYAKARTA PERIODE 2013-2017." Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha 27, no. 2 (2019): 207–25. http://dx.doi.org/10.32477/jkb.v27i2.64.

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The purpose of this study is: to test whether there are differences in financial performance between Savings and Loans Cooperatives and Sharia Financing(KSPPS) and Conventional Savings and Loans Cooperatives (KSP) by comparing 5 (five) variables, namely: Liquidity, Solvency, Economic Rentability,Asset Growth , and Member Growth. This study uses secondary data with a total of 10 (ten) Cooperatives with details of 5 (five) Savings and Loan Cooperatives and Shari’ah Financing (KSPPS) and Conventional Savings and Loans Cooperatives (KSP) of 5 (five) with observation periods between 2013 - 2017. Th

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M. Pinto, João. "What is project finance?" Investment Management and Financial Innovations 14, no. 1 (2017): 200–210. http://dx.doi.org/10.21511/imfi.14(1-1).2017.06.

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Project finance is the process of financing a specific economic unit that the sponsors create, in which creditors share much of the venture’s business risk and funding is obtained strictly for the project itself. Project finance creates value by reducing the costs of funding, maintaining the sponsors financial flexibility, increasing the leverage ratios, avoiding contamination risk, reducing corporate taxes, improving risk management, and reducing the costs associated with market imperfections. However, project finance transactions are complex undertakings, they have higher costs of borrowing

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Christodoulou-Volos, Christos. "Determinants of Non-Performing Loans in Cyprus: An Empirical Analysis of Macroeconomic and Borrower-Specific Factors." International Journal of Economics and Financial Issues 15, no. 1 (2024): 190–201. https://doi.org/10.32479/ijefi.17398.

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This study empirically investigates the determinants of non-performing loans (NPLs) within the Cypriot banking sector by employing Pearson’s correlation analysis and Generalized Method of Moments (GMM) estimations. Utilizing a sample of 200 NPLs granted to individuals by a Cypriot banking institution from 2013 to 2019, the study examines both macroeconomic and borrower-specific factors influencing NPLs. The findings reveal significant associations between borrower profile characteristics - such as gender, age, education level, professional and financial standing, and place of residence - and l

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Archana., M., and Kawale Laxman. "Socio-economic Conditions of Female Beauticians in Kalaburagi District." RESEARCH REVIEW International Journal of Multidisciplinary 4, no. 2 (2019): 954–56. https://doi.org/10.5281/zenodo.2596054.

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After globalization, there is increase in different professions and occupations especially for females. Of these professions, beautician profession is significant as females can manage beauty parlour at their homes or at the shops. It requires lower investment for females and it is suited for middle class females. Even there are different Government schemes which provide financial assistance, loans, etc to the self-employed females. Hence, to assess the growth prospects of female beauticians in their profession, the present study is made in Kalaburagi district of Karnataka. 125 female beautici

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Garland, Shannon. "Music, Phones and Bank Loans." Journal of Extreme Anthropology 7, no. 2 (2024): 1–24. http://dx.doi.org/10.5617/jea.10298.

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This article explores the making of two branded Spotify playlists to critique the concept of ‘affective labor.’ Over the last few decades, scholars have argued that social media users and creative industries workers alike are engaged in a new type of labor, affective labor, which generates economic value for companies. The article challenges this framing. Drawing on Marxist concepts of productive and unproductive labor, in addition to feminist social reproduction theory, it details playlists made for Motorola phones and Itaú bank by paid contractors. The article situates the role of these play

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T. Yussuph, Toyyibat. "Leveraging Machine Learning Algorithm to Enable Access to Credit for Small Businesses in the United States of America." International Journal on Cybernetics & Informatics 13, no. 1 (2024): 53–65. http://dx.doi.org/10.5121/ijci.2024.130105.

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The research centers on the essential function of loans in driving economic expansion and the intrinsic danger of loan defaults. Small businesses play a crucial role in generating employment and fostering economic growth, highlighting the significance of precise loan eligibility evaluations. The Small Business Administration's (SBA) 7(a) loan program seeks to assist small businesses by providing loan guarantees to mitigate risks for financial institutions (Mini et al., 2018). The study utilizes sophisticated machine learning methods, particularly the Random Forest and XGBoost algorithms, to fo

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Zheng, Yangyang, Jianhong Lou, Linfeng Mei, and Yushuang Lin. "Research on Digital Credit Behavior of Farmers’ Cooperatives—A Grounded Theory Analysis Based on the “6C” Family Model." Agriculture 13, no. 8 (2023): 1597. http://dx.doi.org/10.3390/agriculture13081597.

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As the main demand side of rural financial services, farmers’ cooperatives are an important part of China’s rural finance. However, due to the lack of effective collateral, farmers’ cooperatives have problems such as difficulty in obtaining loans or expensive loans, which not only hinder the high-quality development of farmers’ cooperatives, but also limit the development of regional rural finance. Digital credit as a new financing model can effectively alleviate the problems of difficult and expensive loans and has received wide attention from the government and academia. Based on this, this

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Basheer, Adil, Akeel Salim, and Israa Kateh. "The role of periodic financial reports in reducing credit risks in Iraqi commercial banks." Al Kut Journal of Economics and Administrative Sciences 15, no. 47 (2023): 301–19. http://dx.doi.org/10.29124/kjeas.1547.15.

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Commercial banks seek to achieve their strategic goals and the lowest possible credit risks through the quality of financial reports, and what is meant here by quality are reports (comprehensive and detailed disclosure of all details of credit risks), as these reports give those banks reliability in their professional performance and are an effective control tool in reducing those Risks The main function of banks is the process of granting loans, which is considered the most profitable banking operation, and at the same time, banks must maintain a sufficient liquidity ratio to manage other ban

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Nelson, Stephen C. "Playing Favorites: How Shared Beliefs Shape the IMF's Lending Decisions." International Organization 68, no. 2 (2014): 297–328. http://dx.doi.org/10.1017/s0020818313000477.

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AbstractInternational organizations (IOs) suffuse world politics, but the International Monetary Fund (IMF) stands out as an unusually important IO. My research suggests that IMF lending is systematically biased. Preferential treatment is largely driven by the degree of similarity between beliefs held by IMF officials and key economic policy-makers in the borrowing country. This article describes the IMF's ideational culture as “neoliberal,” and assumes it to be stable during the observation window (1980–2000). The beliefs of top economic policy-makers in borrowing countries, however, vary in

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Kondo, Nobuaki. "Conditional Sales and Other Types of Loans in Qajar Iran." Journal of the Economic and Social History of the Orient 64, no. 5-6 (2021): 615–39. http://dx.doi.org/10.1163/15685209-12341548.

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Abstract This article examines various aspects of conditional sales (bayʿ-i sharṭ) and other types of loans in Qajar Iran (1796-1925). Islamic law prohibited usury, but Shiʿi jurists found a way to legalize money lending at interest. In this paper, I explore how these transactions occurred in practice and what features they had. To this end, I consider three groups of bayʿ-i sharṭ deeds from the National Archives of Iran, discussing how each case proceeded and how differences between cases reveal the ways in which this type of transaction functioned. While similar types of transactions were al

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ABRAMOVA, N. V. "KEY ASPECTS OF LEGAL REGULATION OF REAL ESTATE PLEDGE IN THE BOARDS OF SOCIAL WELFARE." Ser-11_2023 64, no. 5, 2023 (2024): 28–43. http://dx.doi.org/10.55959/msu0130-0113-11-64-5-2.

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The article aims at the assessment of legal regulation of pledge in the Boards of Social Welfare of the Russian Empire in the rst half of the 19th century. The boards established by Catherine II worked as provincial banks accredited to meet the needs of the inhabitants of the governorates. The study focuses on the activity of the boards, which re ects the details of the economic development of the governorates, including those in the territories of Georgia and Azerbaĳan integrated into the Empire in the rst third of the 19th century. The author draws on extensive legal material and archival do

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Badylevich, Roman V. "ISSUING BONDS TO THE PUBLIC AS A NEW INSTRUMENT FOR FINANCING THE ECONOMIC DEVELOPMENT OF THE RUSSIAN ARCTIC." Север и рынок: формирование экономического порядка 26, no. 1/2023 (2023): 150–62. http://dx.doi.org/10.37614/2220-802x.1.2023.79.010.

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The purpose of this study is to investigate the feasibility of issuing Arctic bonds as a means to attract public savings for implementing investment projects aimed at developing the Russian Arctic. The article examines methodological approaches to issuing bonds to the public and analyzes Russian and foreign practices in this area. The study established that if the parameters and conditions for issuing bond loans to the public are chosen rationally and the details of bond placement are effectively communicated to potential investors, the use of this tool can not only increase the public’s inter

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Целовальникова and I. Celoval'nikova. "Legal Provision of State Guarantees in the Investment Sphere." Economics of the Firm 6, no. 1 (2017): 26–31. http://dx.doi.org/10.12737/25157.

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The article deals with the provisions of the current legislation containing measures of state stimulation of investment activity for the purpose of industrial development and production of competitive products. Among the array of legislation, the author identifies the position of the industrial policy under which conditions are created for legal, economic and organizational stimulation of legal entities and individual entrepreneurs to establish or maintain (modernizing) industrial projects in the Russian Federation. The author points out that the legislation provides for financial assistance i

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Osipov, Evgeny. "On the Question of the Debts of Czarist Russia. The Soviet-French conference of 1926–1927." Novaia i noveishaia istoriia, no. 5 (2022): 131. http://dx.doi.org/10.31857/s013038640019513-2.

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In this article based on materials from the French Ministry of Foreign Affairs archive, most of which have not yet been introduced into the academic circuit, the author examines the preparation, progress, and results of the Soviet-French conference in 1926–1927, where the question of repayment of debts of the Russian Empire, as well as the possibility of France&apos;s loans to the USSR were discussed. French documents show that the Soviet side from the very beginning indicated that the issue of paying off royal debts for it, due to the economic situation in the country, was inextricably li

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Das, Dr Pradip Kumar. "Accounting for Intangible Assets, a Study." Middle East Research Journal of Economics and Management 4, no. 05 (2024): 147–55. http://dx.doi.org/10.36348/merjem.2024.v04i05.002.

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Intangible investments have happened now seminal supply chain for multifold fraternities and economic locales. However, these investments are rarely recognized as assets by accounting standards. In such scenario, pragmatic goodness of an enterprise cannot be reflected in reported financials despite accounting is to equip effective details for its users. In cutting-edge economy, substantiveness of intangible assets initiates considerations towards its reception in accounts. Intangible assets are perceptible non-monetary non-physical potentiality of value bred by novelty, unparalleled organizati

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Blake, Kathleen. "BETWEEN ECONOMIES INTHE MILL ON THE FLOSS: LOANS VERSUS GIFTS, OR, AUDITING MR. TULLIVER'S ACCOUNTS." Victorian Literature and Culture 33, no. 1 (2005): 219–37. http://dx.doi.org/10.1017/s1060150305000811.

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MR. TULLIVER DRAWS LITTLE ATTENTIONfrom critics ofThe Mill on the Flosscompared to his children, Maggie and Tom, and his finances are hardly ever looked at in any detail, just as other sections of George Eliot's novel that concern economics are not. Yet George Eliot says Mr. Tulliver has his tragedy, as do his daughter and son, and it is precisely Mr. Tulliver's money trouble, his bankruptcy, that sets the condition for the troubles of the next generation. I seek to trace a narrative logic for a novel that has seemed to many to strain plot coherence, and I do so by an economic analysis that al

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Shevchenkie, Irgie Ramdhan, and Deni Maulana. "Pengelolaan Keuangan Keluarga dalam Islam Agar Terhindar Dari Pinjaman Online." JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) 11, no. 1 (2025): 152–59. https://doi.org/10.35870/jemsi.v11i1.3543.

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Online loans have started to spread in society through advertisements on gadgets when opening applications, watching videos from YouTube, shopping centers and sometimes even daring to offer them to homes. Not a few families are trapped because they are offered low interest with an easy and fast disbursement process. In the end, due to minimal literacy about the dangers of online loans, many customers' personal data is misused by borrowers because they are unable to pay. Good financial management is one solution for individuals and families to avoid economic conflict. Especially for people who

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Citaningati, Putri Rizka, Kamaluddin Kamaluddin, and Ilham Dwitama Haeba. "Implementation of the Qardhul Hasan Agreement at Indonesian Islamic Financial Institutions." FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman 8, no. 2 (2022): 237–56. http://dx.doi.org/10.24952/fitrah.v8i2.5903.

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Qardhul Hasan is one of the alternatives for usury-based loans (debt). Islamic economic principles forbid a loan with interest. The aim of loan transactions through Qardhul Hasan is used to help increase the country's economic growth. This working paper aims to explain the concept of Qardhul Hasan management. The management of Qardhul Hasan can be implemented from zakat, infaq, sadaqah, and waqf funds. One of the main regulations in carrying out the management of Qardhul Hasan is the DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001 concerning al-Qardh. With a descriptive qualitative approach, this study a

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Nguyen Nhat, Linh. "Solutions to Enhance the Efficiency of Local Development Investment Funds in Vietnam." International Journal of Management and Development Studies 12, no. 07 (2023): 01–05. http://dx.doi.org/10.53983/ijmds.v12n07.001.

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The paper titled “Solutions to Enhance the Efficiency of Local Development Investment Funds in Vietnam” examines the role and operations of Local Development Investment Funds (LDIFs) in the context of infrastructure development within the budgets of Vietnamese provinces and cities. These funds play a crucial role in mobilizing resources, engaging private economic entities, and supporting economic and social infrastructure projects. The paper evaluates the current status of LDIFs, highlighting their achievements, limitations, and challenges. The study proposes a comprehensive set of solutions t

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Sachdeva, Geeta. "Compliance is the armour for lending institution: a case study related to agri-finance." Emerald Emerging Markets Case Studies 14, no. 1 (2024): 1–26. http://dx.doi.org/10.1108/eemcs-10-2022-0381.

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Learning outcomes The case study will help to learn about the importance of pre-sanction precautionary measures before lending to self-help groups (SHGs), to learn about the potential lapses and errors while sanctioning SHG finance and to learn about the importance of bank’s guidelines and compliance before sanctioning loans. Case overview/synopsis This case study details the tenure of Seema in a rural branch of Safe Bank of India located in Haryana which she joined as a manager in the year 2016. She overachieved the target given by the district collector office, and going by the tide, she kep

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Gemueva, K. A. "Chinese Infrastructure Projects in Sub-Saharan Africa: Credit Financing." Outlines of global transformations: politics, economics, law 11, no. 5 (2018): 55–73. http://dx.doi.org/10.23932/2542-0240-2018-11-5-55-73.

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Chinese companies are actively involved in building infrastructure facilities in sub-Saharan Africa (SSA), with a substantial part of the projects funded by Chinese banks. According to some estimates, more than 60% of all Chinese loans granted to the SSA countries from 2000 to 2015 were provided to this end. Vast majority of the projects are carried out by the state-owned enterprises (SOEs). Their main advantages are the opportunity to obtain concessionary financing for the project, a special Chinese model of financing, a government support of activities serving the national strategic goals an

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Komarudin, Udin, Ah Fathonih, and Nurrohman Nurrohman. "The Influence of Entrepreneurship Development Policies and Strategies Regarding Micro Wakaf Bank (BWM) And Its Implications for Community Economic Empowerment in The Boarding School of Cirebon." International Journal of Economics, Management and Accounting (IJEMA) 1, no. 12 (2024): 901–14. https://doi.org/10.47353/ijema.v1i12.127.

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Micro Waqf Bank (BWM) is a very important part of community economic empowerment, especially in the Cirebon Islamic boarding school environment. This is of course in line with the government program which seeks to improve the welfare of the community by realizing economic activities with the help of business capital which does not burden business actors in returning the capital. The method used is descriptive research which aims to describe in detail the phenomena observed using regression analysis parameters. The number of samples used in this research was 92 respondents. Sampling used a docu

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Duffy, David, and Niall O’Hanlon. "Negative equity in Ireland: estimates using loan-level data." Journal of European Real Estate Research 7, no. 3 (2014): 327–44. http://dx.doi.org/10.1108/jerer-01-2014-0009.

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Purpose – This paper aims to, using a unique loan-level data set, show the extent to which negative equity in Ireland is concentrated in younger age groups. The sharp decline in house prices since 2007 has led to the emergence of widespread negative equity in Ireland. However, little is known about the type of borrower experiencing negative equity. Design/methodology/approach – This paper uses a unique data set that, for a large sample of mortgages, provides details on both the characteristics of the borrowers and their mortgages. Using this data set, the paper estimates the incidence of negat

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Balachandran, Rakhe P., and Sarat Chandra Dhal. "Relationship between money lenders and farmers." Agricultural Finance Review 78, no. 3 (2018): 330–47. http://dx.doi.org/10.1108/afr-07-2016-0066.

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Purpose The dependence of farmers on money lenders for agricultural credit despite the penetration of the formal financial sector with subsidized interest rates remains an economic puzzle. The purpose of this paper is to revisit the relationship between money lenders and farmers in the presence of trade-loan nexus. Design/methodology/approach The study provides a theoretical framework supported by empirical evidence. It uses primary survey data of farmers in a major potato producing district of West Bengal, India. For the empirical analysis, apart from descriptive statistics, the authors use a

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Kohardinata, Cliff, Noorlailie Soewarno, and Bambang Tjahjadi. "INDONESIAN PEER TO PEER LENDING (P2P) AT ENTRANT’S DISRUPTIVE TRAJECTORY." Business: Theory and Practice 21, no. 1 (2020): 104–14. http://dx.doi.org/10.3846/btp.2020.11171.

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Peer to peer (P2P) lending in Indonesia has been growing rapidly, therefore there is the potential for disruptive innovation processes in the financial sector. The aim of this study is to examine the impact of the growth of P2P lending on the growth of bank lending for micro, small and medium enterprises (MSME) and Non-MSME debtors. Separating the scale of the debtor is important, given the initial process of disruptive innovation of reaching areas that are not the incumbent’s main target. The examination was conducted in this study using panel data regression, whereby the examination was done

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

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

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Atahau, Apriani Dorkas Rambu, and Tom Cronje. "Does focus strategy work? A study of bank loan portfolios in Indonesia." Journal of Asia Business Studies 13, no. 3 (2019): 450–71. http://dx.doi.org/10.1108/jabs-11-2017-0202.

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PurposeThe purpose of this paper is to determine the impact of loan concentration on the returns of Indonesian banks and examines whether bank ownership types affect the relationship between concentration and returns.Design/methodology/approachThis research uses heuristic measures of concentration: The Hirschman–Herfindahl index and Deviation from Aggregated Averages are applied to Indonesian banks across all sectors. The data covers the pre and post global financial crises periods from 2003-2011 for 109 commercial banks in Indonesia. Panel feasible generalised least squares analysis was appli

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NV.Srinivasa and M.R.Chandrushekar. "WOMEN PARTICIPATION IN PANCHAYTH RAJ INSTITUTIONS CASE STUDY OF HASSAN DISTRICT." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 292–94. https://doi.org/10.5281/zenodo.2651995.

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<em>Today, in India the problem of rural poverty is increasing very rapidly. There are a very few way to eradicate rural poverty in India. Mainly providing economic support to the rural people, particularly to the rural women, has been proved very fruitful to reduce the poverty in rural India. Providing economic support or loans to the rural women helps them to empower, not only economically but also socially, further this strengthens the whole society in general. Hence, the present study is placed in this context to examine the relationship between Self Help Groups and socio-economic developm

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Piwowar, Andrzej. "Lending and Borrowing in the Teaching of Sirach (Sir 29:1–7)." Verbum Vitae 41, no. 4 (2023): 881–917. http://dx.doi.org/10.31743/vv.16224.

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Among the various topics and issues that Ben Sira discusses in his book is the issue of borrowing. The sage covers it in detail and at length in Sir 29:1–7, presenting it not from a financial and economic perspective, but from a sapiential viewpoint, appropriate to the nature of his work. The purpose of this article is to explore Sirach’s teaching on the subject of borrowing and lending of material goods. As a preliminary matter, the issue of borrowing in the setting of the ancient Near East and in biblical Israel is presented in a highly synthetic manner. Next, the boundaries of the literary

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Koca, Aliihsan, Oguzkan Senturk, Ömer Akbal, and Hakan Özcan. "Techno-Economic Optimization of Radiator Configurations in Power Transformer Cooling." Designs 8, no. 1 (2024): 15. http://dx.doi.org/10.3390/designs8010015.

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In this research, a numerical approach is created to assess the effective parameters of power transformer thermal management and, as a result, improve their cooling systems. This study analyzes the radiator’s thermal performance across several arrangements and optimizes the dimensions and configurations for varied cooling loads from a techno-economic perspective. The optimization criteria were the radiator’s height (L), fin spacing (D), and number of fins (N). Due to the great complexity of the generated models, the coupled thermo-hydraulic numerical simulations were carried out on a computer

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AnatolyGrinev, Oksana Takhumova Zhanna Gornostaeva Anna Kulikova Lydmila Spektor. "LEGAL REGULATION AND STATE SUPPORT FOR SMALL BUSINESSES." INDO AMERICAN JOURNAL OF PHARMACEUTICAL SCIENCES o6, no. 03 (2019): 5635–39. https://doi.org/10.5281/zenodo.2596661.

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<em>The article discusses the legal regulation of support for small and medium-sized businesses. The processes and conditions for the development of small and medium enterprises are described in detail on the basis of the formation of effective support mechanisms. Development of support will enhance the influence of small and medium-sized businesses on the socio-economic development of municipalities, will increase the involvement of young people in small businesses, which will be facilitated by the implementation of the state program of entrepreneurship development, attracting federal budget

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Wellen, Lukas, and Meine Pieter Van Dijk. "NEW FINANCIAL TECHNOLOGIES AND 4TH INDUSTRIAL REVOLUTION IN THE THIRD WORLD (THE EXAMPLE OF CUSTOMER CARE OF M-PESA, KENYA)." EUrASEANs: journal on global socio-economic dynamics, no. 2(9) (March 30, 2018): 07–12. http://dx.doi.org/10.35678/2539-5645.2(9).2018.07-12.

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A well-functioning financial sector in developing countries is extremely important for economic development. This requires local institutions, which originally were often state-controlled, but gradually non-state actors conquered the financial market. Recently the growing importance of alternative forms of finance in many African countries has become remarkable. Although often created by donors, their role changed when financial inclusion, economic liberalisation and decentralization became more important. Microfinance institutions started to compete with banks by also offering a broad range o

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Misnik, O., N. Kuchukova, and A. Alibekova. "The state of development of small and medium-sized businesses in agriculture in Kazakhstan." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 3 (2023): 55–66. http://dx.doi.org/10.32523/2789-4320-2023-3-55-66.

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The article presents a study of the current state of development of small and medium-sized enterprises in agriculture in Kazakhstan. The authors conducted a more detailed comparative analysis of the dynamics and structural composition of small and medium-sized businesses by economic sectors (hereinafter referred to as SMEs), as well as by subjects in the context of the main organizational forms. On the basis of official statistical data, indicators of the volume of gross output of SMEs are given, the contribution of SMEs to the GDP of agriculture in the Republic and to the total volume of prod

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Deepali, B. Ghatul, and Mankar Jyoti. "Some Factors Related to Constraints and Stress Levels of Farmers." International Journal of Humanities, Social Science, Business Management & Commerce 07, no. 02 (2023): 06–17. https://doi.org/10.5281/zenodo.8207649.

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This is pilot Study. The studies were conducted in Akola district of Maharashtra state to assess the constraints and stress level of the farmers. The survey was based on the 171 farmers from 96 villages. The operational area of the research activity covered the Akola district of Vidarbha region of Maharashtra state. The present study was conducted in 96 villages of Akola district. The villages as well as the farmers were selected randomly. On having completed the data sheets through one to on interviews of the respondent farmers, it was subjected to processing to get categorical details on num

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Jiang, Hai Bo, Ling Ming Yang, and Ai De He. "The Rehabilitation of Pile Foundation of a Concrete Continous Bridge in Guangzhou City." Advanced Materials Research 163-167 (December 2010): 3499–503. http://dx.doi.org/10.4028/www.scientific.net/amr.163-167.3499.

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Due to heavier traffic loads, progressive structural age, and corrosion of steel reinforcement, there has been an increasing need to strengthen the pile foundation of concrete bridges. In this paper, the damages and deteriorations on a concrete bridge in Guangzhou City are described in details, which causes are discussed also. The rehabilitation method by prestressed cushion cap is proposed based on the finite element analysis. The rehabilitation scheme is verified by the result of calculation, and the practice of strengthening project proves that this method is technical feasibility, construc

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Mbereyaho, Leopold, Doris Daniella Dusabe Minani, Alain Niyonshuti, and Yvan Coppens Nsenga. "Effect of the Roof Slope on the Cost Variation of Residential Houses." Selected Scientific Papers - Journal of Civil Engineering 15, no. 1 (2020): 89–102. http://dx.doi.org/10.1515/sspjce-2020-0009.

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Abstract The building industry has been one of the fast-growing sectors in Rwanda, and multiple residential houses with amazing pitched roofs are being implemented in different cities. As the country is very hilly, the influence of wind loads on the buildings is high and therefore the selection step of roof slopes needs to be carefully undertaken, in order to ensure not only the structure safety, but also the economy. Available international and national guidelines give details about safety and functionality requirements, but don’t talk much about economic aspect, and this was the purpose of t

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Kucherenko, Svitlana, and Oleh Kucherenko. "Methods of assessing the creditworthiness of the natural person borrower." University Economic Bulletin, no. 46 (September 1, 2020): 170–77. http://dx.doi.org/10.31470/2306-546x-2020-46-170-177.

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The purpose of the study is to analyze the methods of assessing the creditworthiness of the natural person borrower in terms of feasibility of its applying in various types of lending, as well as to provide the recommendations on the most effective method of implementing such an assessment in banking institutions practice. Both general scientific and special methods of scientific knowledge have become the methodological basis of the article. In the process of writing the article the following methods were used: dialectical, economic comparisons and generalizations, grouping, graphical, system-

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Kabir, Irfanul, and Md Mokshud Ali. "Housebuilding Finance in the United States: From Budgeting to Funding." Global Mainstream Journal 3, no. 5 (2024): 15–24. http://dx.doi.org/10.62304/jbedpm.v3i05.183.

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This article precisely identifies housebuilding finance in the United States as a complex procedure of primary concern to those who wish to become homeowners or builders, susceptible to the state of the economy and shifts in policies. Therefore, the purpose of this research will be to provide extensive coverage of the processes involved in budgeting right through to obtaining and directing funds. This study adopts a qualitative research method to ascertain budgeting techniques, sources of finance, means of obtaining loans, financial controls during construction through literature, industry, an

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Farrer, Rebecca. "Exploring the Human Rights Implications of Microfinance Initiatives." International Journal of Legal Information 36, no. 3 (2008): 447–89. http://dx.doi.org/10.1017/s0731126500003255.

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This Article explores Microfinance and microcredit (“MFI”) programs from several perspectives, with particular emphasis on human rights issues. These programs involve making small loans to people who would otherwise be unable to borrow money to facilitate them starting their own businesses: frequently, the programs focus on women borrowers in developing countries. The emphasis of MFI programs on women in developing countries makes it important to consider these programs in terms of both women's and indigenous rights, while MFI as an approach to poverty merits a discussion of economic rights. P

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Rose-Ackerman, Susan. "A Review of Geoffrey M. Hodgson, Conceptualizing Capitalism: Institutions, Evolution, Future." Journal of Economic Literature 55, no. 1 (2017): 182–90. http://dx.doi.org/10.1257/jel.20161367.

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Capitalism and law go together in Geoffrey M. Hodgson's comprehensive analysis of the intellectual history and practical development of the capitalist system in Western Europe and North America. Given the breadth and depth of Professor Hodgson's reading in political economy and his reflections on its implications for the present and future of global capitalism, his book deserves to be widely read. Labeling his approach legal institutionalism, he argues that a legal system that supports capitalism and the market is necessary but not sufficient to sustain a fair and efficient economic system. Th

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Burhop, Carsten. "Das Wechselkreditgeschäft der Reichsbank vor der Bankenkrise von 1931." Jahrbuch für Wirtschaftsgeschichte / Economic History Yearbook 61, no. 2 (2020): 403–28. http://dx.doi.org/10.1515/jbwg-2020-0017.

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AbstractThis article examines two aspects of the Reichsbank’s discount business in the years 1924 to 1932: First, the granting of Reichsbank discount loans to commercial banks in their function as lenders of last resort. Second, the direct granting of discount loans by the Reichsbank to non-banks to finance the short-term assets of industry and trade. From 1931 onwards, the Reichsbank increasingly granted financial discount loans to alleviate the liquidity crisis of the commercial banks. I trace this in detail for the Reichsbank branch in Leipzig. With regard to the granting of loans by the Re

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Магомедов, Магомед Даниялович, Дмитрий Сергеевич Савостин, Сергей Дмитриевич Савостин, and Владимир Витальевич Строев. "Improvement of economic incentives for working feed mills." Food processing industry, no. 6 (June 5, 2022): 26–29. http://dx.doi.org/10.52653/ppi.2022.6.6.006.

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В статье обращено внимание на зависимость заинтересованности работающих и эффективности развития предприятия; указано, что качество производимых комбикормов во многом зависит от заинтересованности работающих (на качество производимых комбикормов существенное влияние оказывают работающие). Как известно, комбикорма состоят из большого множества ингредиентов и их качество прямо влияет на соответствие комбикормов предъявляемым требованиям. Ингредиенты могут быть просроченными и на должном уровне неизмельченными. Таких негативных моментов можно избежать при высокой заинтересованности работающих в э

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Ha, Dong Ho, Jinkyo F. Choo, Chang Hyung Lee, Won Seo Jang, and Nam Seo Goo. "Dynamic Characteristics of a Multi-Functional Bridge Bearing with Built-In Piezocomposite Element." Applied Mechanics and Materials 432 (September 2013): 275–80. http://dx.doi.org/10.4028/www.scientific.net/amm.432.275.

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A multi-functional bridge bearing with built-in piezocomposite electricity generating element (PCGE) is being developed by our research team to respond to the growing demand of self-powered sensing devices for the monitoring of bridges by harvesting the energy produced by the traffic-induced vibrations. For the intended application, a multilayered piezoelectric PCGE structure composed of layers of piezoceramic, glass/epoxy, and carbon/epoxy, has been developed to improve the durability, output voltage and power of the piezoceramic. The output voltage of this PCGE can be used for real-time traf

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Li, Tong. "Shadow banking in China: expanding scale, evolving structure." Journal of Financial Economic Policy 6, no. 3 (2014): 198–211. http://dx.doi.org/10.1108/jfep-11-2013-0061.

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Purpose – This paper aims to survey available data sources and put China’s shadow banking system in perspective. Although bank loans still account for the majority of credit provided to China’s real economy, other channels of credit extension are growing rapidly. The fast expansion of shadow banking has spurred wide concerns regarding credit quality and financial stability. Design/methodology/approach – This paper explores various data sources, provides an overview of shadow banking activities in China, discusses their close ties with banks and summarizes regulatory issues. Extensive descripti

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Shneiderman, I. M., A. V. Yarasheva, and S. V. Makar. "Financial Behavior of the Russian Population: Regional Differences." Voprosy statistiki 28, no. 6 (2021): 59–68. http://dx.doi.org/10.34023/2313-6383-2021-28-6-59-68.

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The introductory part of the article specifies the aim and objectives of the study, reflecting some of the important outcomes of the interregional differentiation in the financial behavior of the population of individual Russian territories (in more detail – regions of the Far Eastern Federal District, FEFD).The main section of the article identifies interregional differences in the financial behavior of the population of the considered regions of the country, including the FEFD territories, based on statistical methodology and using official statistics. The authors conducted a comparative int

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Sodoma, R., H. Cherevko, І. Krupiak, H. Andrusiak, I. Brodska, and T. Shmatkovska. "REGULATION OF THE LENDING MARKET AND PROSPECTS OF FINANCIAL SECTOR STABILIZATION IN UKRAINE." Financial and credit activity: problems of theory and practice 1, no. 36 (2021): 4–13. http://dx.doi.org/10.18371/fcaptp.v1i36.227604.

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Current issues of non-bank lending by financial companies and the vision of the future regulation of their activities outline in detail the developments set out in this article. Changes in the volume of lending in the non-banking financial market are analyzed. The analysis of the concentration level of loans by the amount of concluded agreements is carried out. The future vision and mission of the financial sector of the economy are formed. Criteria for assessing the required degree of supervision of a credit company are defined. In the study, we used general and specific economic methods, as

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Pozovna, Iryna, Natalia Arkhireіska, Iryna Panaseyko, Serhiy Panaseyko, Kostyantyn Serdyukov, and Alina Yefimenko. "ASSESSMENT OF THE CONNECTION BETWEEN THE BANK'S CAPITALIZATION LEVEL AND THE COUNTRY'S MACROECONOMIC STABILITY." Financial and credit activity problems of theory and practice 1, no. 54 (2024): 9–22. http://dx.doi.org/10.55643/fcaptp.1.54.2024.4304.

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A well-capitalized banking system is crucial for maintaining macroeconomic stability, preventing financial crises, and bolstering the economy's resilience to shocks. Governments often strive to ensure adequate bank capitalization to foster stable economic growth. This article aims to assess the relationship between bank capitalization and macroeconomic stability in 34 European countries from 2010 to 2021, based on World Bank statistics.The study utilizes the principal components method to identify relevant indicators of bank capitalization and macroeconomic stability, canonical analysis and re

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Artemieva, Victoria Stanislavovna. "REASONS AND PREREQUISITES FOR THE EMERGENCE OF STATE CREDIT INSTITUTIONS IN RUSSIA." Bulletin Social-Economic and Humanitarian Research 12 (14), 2021 (December 1, 2021): 44–53. https://doi.org/10.52270/26585561_2021_12_14_44.

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The article is devoted to the study of the reasons and prerequisites for the emergence of state credit institutions in Russia. The author analyzes a vast time period from the beginning of the emergence of the Russian state as a state entity to the creation of the State Bank of the Russian Empire. The article shows the specifics of the development of credit institutions in Russia. The author notes that the emergence of credit institutions was caused by a number of objective socio-economic and political reasons associated with the development of the Russian state and the Russian economy. The pre

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