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Journal articles on the topic 'Division of Financial Services'
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1
Kandpal, Vinay. "Role of regulators in intensifying financial access to the untouched segment of society in developing country." Corporate Governance and Organizational Behavior Review 4, no. 1 (2020): 8–14. http://dx.doi.org/10.22495/cgobrv4i1p1.
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India is a country with diversity noticeable in each division of life as well as financial services. The current study examines the initiatives taken by the Ministry of Finance and Reserve Bank of India (RBI) to intensify the accessibility to investment opportunities in financial instruments for the poor or deprived section of society, the initiatives taken in past, present scenario and to recommend the initiatives for the longer term. Households living in rural areas or having low income usually lack access to banking services or financial services. It is tough for these families to save and to arrange financial resources for the longer term. The ease of access and usage of the financial services and products influences the economic health of the individuals as well as of the state. It has been analyzed that the most important barrier towards accessibility of financial service is the psychological and the profitability of banks. There is a requirement for a robust, dynamic research-based business model with regard to an innovative, digitalized and sound economic system.
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Msosa, Steven Kayambazinthu, and Jeevarathnam P. Govender. "Exploring the relationship between service quality and customer satisfaction in postal financial services." Risk Governance and Control: Financial Markets and Institutions 5, no. 3 (2015): 186–93. http://dx.doi.org/10.22495/rgcv5i3c2art4.
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Service quality and customer satisfaction are related and are important factors for the success of service providers be it in the public or the private sector. This study aims to examine the relationship between service quality and customer satisfaction in the Malawian public postal service, specifically its banking division. A cross-sectional, quantitative and descriptive study was undertaken and data was collected from 400 customers using the SERVPERF model. A non-probability sampling approach was adopted and respondents were selected using convenience sampling. Reliability of the study was tested using Cronbach alpha. Correlation tests were conducted using Spearman’s rho. The results show that all the five service quality dimensions, viz. tangibles, reliability, empathy, assurance and responsiveness, are significantly and positively correlated. There was also a significant correlation between the service quality dimensions and overall service quality, customer satisfaction and customer loyalty.
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McDowell, L., and G. Court. "Gender Divisions of Labour in the Post-Fordist Economy: The Maintenance of Occupational Sex Segregation in the Financial Services Sector." Environment and Planning A: Economy and Space 26, no. 9 (September 1994): 1397–418. http://dx.doi.org/10.1068/a261397.
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The purpose in this paper is to bring together a set of arguments about the general significance of service-sector employment in advanced industrial economies, the consequences of feminisation and casualisation for the occupational structure in these societies, particularly in ‘global’ cities, and the changing nature of gender divisions of labour. After a general outline of the changing distribution of work, the example of financial services, which are of enormous significance in global cities such as London, will be taken to investigate the consequences of the coincidence of these changes for employees in professional occupations. The particular empirical illustration of the arguments is an analysis of the social division of labour in merchant banks in the City of London in the early 1990s.
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Leyshon, Andrew, Nigel Thrift, and Jonathan Pratt. "Reading Financial Services: Texts, Consumers, and Financial Literacy." Environment and Planning D: Society and Space 16, no. 1 (February 1998): 29–55. http://dx.doi.org/10.1068/d160029.
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The authors focus upon the changing nature of production and consumption within the retail financial services industry. The perennial problem which faces all producers of financial services is information asymmetry; that is, providers and consumers of financial products have unequal amounts of information about whether or not customers have the wherewithal to make them ‘capable’ purchasers. Thus, the problem of information asymmetry is usually manifested in a priori decisionmaking about the suitability of customers. This problem has traditionally been overcome by forging interpersonal relationships of trust with consumers through copresence. Increasingly, however, trust in consumers is being forged through technologically mediated means of information collection functioning ‘at a distance’ so that financial services producers are coming to ‘read’ consumers as ‘texts’, through the medium of databases. These developments have had a number of effects, such as increased competition in retail financial markets, while branch networks, which acted as durable barriers to entry to the market, have become less important as sites of market intelligence and knowledge. Consumers have also been forced to forge new relations of trust with retail financial service providers. This is increasingly being achieved through the use of various media and through identification with brands. Such developments have served to create social and spatial divisions of financial inclusion and exclusion, as producers use at-a-distance information to discriminate between ‘good’ and ‘bad’ customers. Those ‘inside’ the financial system are able to use their financial knowledge to take advantage of increased levels of competition between financial service providers. However, those excluded from the financial system are doubly handicapped as they live in both a financial and an information shadow. Such individuals are likely to pay an increasingly heavy price for their exclusion, particularly given the collapse of universal welfare provision and the allied growth of private welfare-related financial products. In recognition of this, in the final part of the paper we consider ways of countering problems of financial exclusion and low levels of financial literacy.
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Zusrony, Edwin, Hindriyanto Dwi Purnomo, and Sri Yulianto Joko Prasetyo. "Analisis Pemetaan Jaringan Komunikasi Karyawan Menggunakan Social Network Analysis pada Perusahaan Multifinance." INTENSIF: Jurnal Ilmiah Penelitian dan Penerapan Teknologi Sistem Informasi 3, no. 2 (July 1, 2019): 145. http://dx.doi.org/10.29407/intensif.v3i2.12786.
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Business development in the financial services sector improved competition among companies to give the best service to their customers. Having reliable services with a good communication network in the organization is the critical success of the company. This study aims to find the actors or people who influence organizations through formal and informal communication networks using Social Network Analysis (SNA). Information on casual and formal communication networks can be used by the HR department to measure the level of the social relationship of all employees that can improve their performance in the company. The author researched PT. BFI Salatiga. The results showed that tissue density was below 50% so that relationships were considered weak. The most dominant actor in degree centrality, closeness centrality, and betweenness centrality is the actor id#24 and id#29 from the collection division, actor id#27 from the operation division and actor id#30 from the credit division.
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Zhang, H. C., X. L. Chen, B. Cong, and L. Y. Guo. "Wisdom Financial System." Advanced Materials Research 791-793 (September 2013): 2151–54. http://dx.doi.org/10.4028/www.scientific.net/amr.791-793.2151.
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This paper puts forward the financial wisdom, wisdom financial ecosystem concept and customer benefits, sums up the wisdom financial work process including perception, analysis, decision-making, division of labor, reaction and service six steps, summarized the wisdom financial has characteristics transparency, convenience, immediacy, efficiency, security, innovation, better risk management, Internet and integration, etc.
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Kabiesz, Patrycja, and Joanna Bartnicka. "Spatial Analysis of the Availability of Health and Social Services for People with Special Needs." Multidisciplinary Aspects of Production Engineering 4, no. 1 (September 1, 2021): 442–52. http://dx.doi.org/10.2478/mape-2021-0040.
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Abstract The health care system should offer and provide a variety of services without undue delay. Due to numerous technical, financial and human resource constraints, not all services can be offered both without restrictions and in equal measure in places of different sizes of residence. As a result of qualitative and quantitative research, a map of accessibility to social and health services was drawn up, taking into consideration the division of the country into voivodeships with different population. Spatial analysis showed great diversity in terms of service availability. Voivodships with the highest accessibility of health and social services are Dolnośląskie, Opolskie and Świętokrzyskie, while the worst situation is in Wielkopolskie. Moreover, the article identifies the main problems that people with limited functionality encounter when using health and social services.
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Potekhina, E. V., and A. D. Efremova. "International Trade in Goods and Services: Aspects of Monetary and Financial Relations." Social’naya politika i sociologiya 19, no. 4 (December 28, 2020): 40–49. http://dx.doi.org/10.17922/2071-3665-2020-19-4-40-49.
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the article examines such topical problems of the world economy as the peculiarities of interaction between the subjects of the world economy, international trade, international monetary and financial relations, the role of the exchange rate for national economies. The issues of the national economy of the Russian Federation and the degree of the country’s participation in the international division of labor and its openness are considered. In this paper, using the example of Russia, the export of goods and services is analyzed, its relationship with a number of factors (exchange rate and oil price), where the main tools are methods of statistical and econometric analysis.
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Carr-Stewart, Sheila, Jim Marshall, and Larry Steeves. "Inequity of Education Financial Resources: A case study of First Nations school funding compared to provincial school funding in Saskatchewan." Articles 46, no. 3 (May 16, 2012): 363–77. http://dx.doi.org/10.7202/1009171ar.
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In a review of First Nations band-managed school policies, the Department of Indian and Northern Affairs Canada (2002) noted what had been devolved was “the specific operation of the school. What was not devolved was an [education] system which would support the school” (p. 5) delivery of quality educational programming for First Nations’ students. The purpose of this paper is to compare available second level services and funding levels provided in schools operated by a Tribal Council and a provincial school division. Differences in service levels and funding, the authors argue, must be addressed if equitable services and enhanced learning experiences are to be available to all students regardless of school type attended.
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David, Louise. "El “desarrollador-plataforma”, nuevo actor de la división del trabajo inmobiliario financiarizado en México / The “platform developer,” a new actor in the division of financialized real estate labor in Mexico." Estudios Demográficos y Urbanos 32, no. 2 (May 9, 2017): 225. http://dx.doi.org/10.24201/edu.v32i2.1630.
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Numerosos inversionistas financieros transnacionales invierten en los mercados inmobiliarios mexicanos, lo que provoca su “financiarización”; es decir, los mercados se transforman por la creciente influencia de las estrategias y herramientas de evaluación financiera. Tales inversionistas financieros promueven la idea de que los desarrolladores inmobiliarios deben cambiar de modelo económico para volverse “desarrolladores-plataforma”: dedicarse a proponer oportunidades de inversión y ofrecer servicios de desarrollo y administración de proyectos. Así, los inversionistas financieros impulsan una nueva división del trabajo inmobiliario donde puedan monopolizar y controlar la inversión del capital.AbstractSeveral transnational financial investors invest in Mexican real estate markets, leading to its “financialization,” in other words, markets are transformed by the growing influence of strategies and financial evaluation tools. These financial investors promote the idea that real estate developers should change the economic model to become “platform developers”: by suggesting investment opportunities and offering project development and management services. Thus, financial investors are promoting a new division of real estate labor where they can monopolize and control capital investment.
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Czarnecka, Maria. "Wykluczenie finansowe i integracja finansowa – aspekty terminologiczne." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace, no. 1 (November 29, 2018): 63–83. http://dx.doi.org/10.33119/kkessip.2018.1.4.
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The aim of the article was to present the issue of financial exclusion and define sensitive areas of this phenomenon. The factors that may be relevant for measuring the degree of financial exclusion were analysed. An attempt was also made to determine the difficulties in access to financial services in the context of practices applied by both the supply and demand sides. In addition, barriers to the use of services were analysed as were financial products in terms of practices used by supply and demand. The typology of financial exclusion presented in the article is an attempt to define the type and scope of the phenomenon. Bank exclusion, credit exclusion and exclusion from the savings system are financial exclusion indicators. Each of those types of exclusion affects the economic and social level. Financial exclusion, which is one of the symptoms of the imbalance between demand and supply, is understood here as total or partial access to financial services offered by the market. The article also attempts to analyse the causes of exclusion with the division into supply and demand factors. The typology of financial exclusion proposed in the article may be a contributing factor to the reverse phenomenon, which is financial inclusion.
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Zhang, Hui Lan, and Wei Juan An. "On Innovation Research of Carbon Finance under Intermediate Business in Chinese Commercial Banks." Applied Mechanics and Materials 543-547 (March 2014): 4417–23. http://dx.doi.org/10.4028/www.scientific.net/amm.543-547.4417.
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At present, carbon finance business is single relatively in Chinese Commercial Banks, commercial bank little involved in intermediate business of the intermediary business for carbon trading and carbon financial derivatives, should expand carbon finance business under intermediate business actively, such as: as the consultant and training division of CDM project, guide and train the enterprise to develop the action of project investment correctly; as Carbon Bank, provide customers with carbon asset management services comprehensively; provide customer services with carbon trading factoring, carbon emission guarantee, carbon fund hosting and credit enhancement and other services; design and develop the carbon financial derivatives related of carbon emissions and so on. The paper will analyze the innovation of carbon finance under intermediate business in commercial bank.
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Musoke, Henry Buwule, and Bukirwa Immaculate. "Microfinance Training Services and Financial Sustainability of Small and Medium Enterprises in Kampala Central Division, Uganda." Turk Turizm Arastirmalari Dergisi 2, no. 4 (January 2, 2021): 176–87. http://dx.doi.org/10.26677/tr1010.2021.634.
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Kurniawati, Fitri. "THE ROLE OF ISLAMIC FINANCIAL INSTITUTIONS IN SOCIAL INTERMEDIARY SERVICES : EVIDENCE IN METRO CITY." International Journal of Islamic Economics 2, no. 01 (September 3, 2020): 80. http://dx.doi.org/10.32332/ijie.v2i01.2309.
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Islamic financial institutions are expected to be able to implement their roles as financial intermediaries and social intermediaries. But what happened in the city of Metro, the dominance of the contract on the practice of Islamic financial institutions only felt the benefits for the upper middle class. Besides that, innovative products that have not been able to reach the majority of the community are not optimal yet, where in the aggregate most of them are Muslims. So that the presence of Islamic financial institutions is considered the same as conventional, because it has not been able to answer the fundamental problems of society. Due to the limitations of researchers, the Islamic financial institutions that will be examined in this study are some Baitul Maal Wat Tamwil in Metro City. This research was conducted to analyze the strategies, procedures and product development of Islamic financial institutions in their role of social intermediation. Research is a field research with a descriptive analytical approach. Data collected using interview and documentation methods. Primary data was obtained from Islamic financial institutions (BMT) as social intermediaries in the community, namely the management and members of BMT. Secondary data were obtained from journals, research reports, books and articles. The analysis technique begins with data collection and reduction, data presentation and conclusion drawing. The results of this study are the role of Islamic financial institutions in social intermediation, namely as an intermediary that connects the aghniya and dhu'afa. The implementation procedure does not directly get commercial financing, but educational services using the tabarru agreement 'with social funds. Product development strategy, namely: establishing a special division in Islamic financial institutions and collaborating with social institutions around.
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Litonin, Ya K. "COMPREHENSIVE ANALYSIS OF THE OIL RESOURCE MARKET AND ASSESSMENT OF ITS IMPACT ON OIL PRODUCING COMPANIES." Scientific Journal ECONOMIC SYSTEMS 1, no. 181 (2021): 173–79. http://dx.doi.org/10.29030/2309-2076-2021-14-2-173-179.
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The article analyzes the oilfield services market, deduces its main trends, considers the issue of increasing the efficiency and quality of oilfield services. The prospects for the development of oil service divisions in oil producing companies are assessed. Analysis and evaluation are carried out based on financial statements, as well as open data from official websites.
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Keyser, John D. "A Historical Assessment of a Key Auditor Independence Policy: Auditing Your Own Work." Accounting Historians Journal 47, no. 2 (September 24, 2020): 11–20. http://dx.doi.org/10.2308/aahj-19-011.
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ABSTRACT In 1973, the AAA's Committee on Basic Auditing Concepts distinguished the respective roles of management and auditors (AAA 1973). Management is responsible to record, summarize, and communicate financial information to financial statement users. Auditors are responsible to communicate to users an opinion regarding the reliability of the financial information provided by management. The view of the Securities and Exchange Commission (SEC) regarding bookkeeping services, held since June 1940, is consistent with this division of responsibility. In contrast, the accounting profession took the position in 1949 that auditors can objectively audit financial statements with which they assisted in the preparation, and continues to hold that position to the present day. The evolution of these divergent positions regarding the respective roles of management and auditors is the subject of this paper.
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Swanger, Susan L., and Eugene G. Chewning. "The Effect of Internal Audit Outsourcing on Financial Analysts' Perceptions of External Auditor Independence." AUDITING: A Journal of Practice & Theory 20, no. 2 (September 1, 2001): 115–29. http://dx.doi.org/10.2308/aud.2001.20.2.115.
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The practice of outsourcing the internal audit function to the external audit firm has raised fears by many parties such as the SEC of possible independence impairment. The fear stems from the increased economic bond that exists when additional services are provided to an audit client, as well as the long-held view that internal auditing is a management function and, as such, is incompatible with the external audit function. This paper reports the results of a two-phase study of the perceptions of financial analysts regarding external auditor independence when a CPA firm performs both external and internal auditing services. In phase 1, analysts' perceptions of auditor independence are greater when the client employs its own internal audit staff or outsources to a different CPA firm than when the external auditor also performs internal audit functions. Phase 2 results show that analysts' perceptions of auditor independence are higher when the internal audit services are provided by the staff of a different division of the CPA firm compared to a nostaff separation treatment. Perceptions do not differ between full and partial outsourcing treatments, which conflicts with the recent SEC rule limiting the extent of outsourcing arrangements.
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Bayu Aji, Seto Satriyo, and Dekar Urumsah. "FACTORS AFFECTING THE USE OF FORENSIC ACCOUNTING SERVICES AN EMPIRICAL STUDY ON INDONESIAN BANKS." Asia Pacific Fraud Journal 1, no. 1 (February 3, 2017): 147. http://dx.doi.org/10.21532/apfj.001.16.01.01.12.
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The increase in fraud action against financial reports make many people uneasy and considering to use Forensic Accounting Services to prevent and detect fraud. This study aimed to analyse the factors affecting The Intention to Use Forensic Accounting Services in the Banking Industry in Yogyakarta. This research used the survey method and used primary data, which obtained from the population of heads of division and internal auditor staff. This research used SmartPls 2.0 to processed the data with 110 data has been processed.Results of the study find that The Perceived Benefits of Using Forensic Accounting Services affects the Attitudes towards Forensic Accounting Services. Additionally Attitudes toward Forensic Accounting Services, Government Pressure and Internal Control Systems affect the Intention to Use Forensic Accounting Services. Researchers also found that there is no affect of Perceived Risks of Forensic Accounting Services on The Attitudes towards Forensic Accounting Services, as well as Stakeholder Pressure and Time budget Pressure does not affect The Intention to Use Forensic Accounting Services.
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Jungay, Ted Ian D., and Romeo M. Guillo. "PROMOTING EDUCATIONAL STAKEHOLDER VOLUNTEERISM IN THE DIVISION OF BATANGAS CITY, PHILIPPINES." International Journal of Research -GRANTHAALAYAH 7, no. 5 (May 31, 2019): 10–20. http://dx.doi.org/10.29121/granthaalayah.v7.i5.2019.818.
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This study aimed to promote volunteerism among educational stakeholders to support public secondary school programs in the Division of Batangas City. It determined the projects, activities and programs (PAP’s) undertaken by the public schools that need the assistance of the stakeholders, and the extent of the stakeholders’ support along school affairs- its organizational set and policies, projects and activities, student services and facilities. It also delved about the problems met by the public schools in promoting volunteerism among their stakeholders. The study made use of descriptive method with the survey questionnaire, interview and documentary analysis as data gathering instruments. The respondents were 18 school heads, 258 teachers and 74 parents of the 18 public secondary schools. The study revealed that the respondents often supported school projects, activities and programs undertaken by the school. Extra-curricular activities for music and arts were seldom supported. Educational stakeholders also supported school organization set up, policies, school projects, student services and school facilities to a great extent. The main problem encountered in the promotion of volunteerism among stakeholders was that many of the community people come from low-income families thus they hardly provide financial assistance to school which was rated moderately serious.
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Gross, R. "Implemention of a Division of Internal and Hospital Medicine in a free-standing comprehensive cancer center." Journal of Clinical Oncology 25, no. 18_suppl (June 20, 2007): 17070. http://dx.doi.org/10.1200/jco.2007.25.18_suppl.17070.
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17070 Background: In 2004, the Moffitt Cancer Center implemented a Division of Internal and Hospital Medicine. As a free-standing Comprehensive Cancer Center, Moffitt serves complex cancer patients with a wide range of nononcologic medical needs. These co-morbidities had previously been managed through a combination of subspecialty consultations and ‘out-of-specialty‘ care by the attending oncologist or hematologist. With the rapid growth of hospital medicine as an established specialty, Moffitt recognized an opportunity to reduce fragmentation and variation in noncancer care, minimize disruptions to the focused practices of the cancer specialists, cope with resident workload constraints, and enhance efficiency of inpatient care. The institution commited to the establishment of a dedicated internal and hospital medicine program. Methods: The presentation includes a descriptive accounting of this comprehensive project, from initial planning to implementation and consolidation. Scope of services provided, staffing ratios, and unanticipated challenges and opportunities are described. A survey of stakeholder physicians was undertaken to assess perceived value for various aspects of the program. Opportunity for discussion will be provided for those considering implementation of similar services in their host institution. Results: The new program was successfully implemented and is comprised of an active inpatient service, an inpatient consultation service, a high-risk preoperative evaluation and co-management service, a 24-hour urgent care service, and a limited outpatient clinic. There are 5 physicians and 4 midlevel practitioners in the program, which is closely integrated with the internal medicine residency program of the University of South Florida. Conclusions: An Internal and Hospital Medicine program in a free-standing cancer center appears to provide perceived patient care benefits, peer satisfaction, and utilization efficiencies based on initial survey data. No significant financial relationships to disclose.
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Kuznetsov, A. "Russian Transnational Corporations in Services’ Sphere." World Economy and International Relations, no. 7 (2011): 71–80. http://dx.doi.org/10.20542/0131-2227-2011-7-71-80.
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In 2000, Russia took the 27th place in the world ranking in terms of annual volume of outgoing FDI. In 2008, Russia joined the top 10. However, due to the ongoing structural adjustment of the world economy in the near future the Russian exporters of raw materials and semi-processed goods should not expect an equally favorable market situation that had provided the financial base for large-scale investment abroad. There is a global FDI trend towards a gradual shift in favor of the sectors of high-tech industries and dynamically progressing services’ sphere. At the same time, the leading TNCs continue to determine the competitiveness of national economies and to exert a significant impact on the current configuration of the international division of labor, transforming the global value chains. In this regard, it is important that external investment of the Russian corporations contribute to modernization of the domestic economy and do not constitute just a form of capital flight from the country. The article identifies reasons why some industries of the Russian economy have deployed a massive overseas expansion while others have failed to realize the potential of FDI.
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Siebert, John W., and John L. Park. "United Agricultural Cooperative: considering the sale of the agronomy division." International Food and Agribusiness Management Review 21, no. 5 (June 15, 2018): 573–82. http://dx.doi.org/10.22434/ifamr2016.0119.
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This case study examines a common agricultural cooperative structure in the United States, namely that of a business which both sells farm supplies to its members and also markets, to others, the agricultural products of its members. The case concerns whether the United Agricultural Cooperative should sell the cooperative’s agronomy supply division. This division sells fertilizer, chemicals and seed. It also provides related services. The cooperative has received an acquisition inquiry from rapidly expanding agricultural retailer, Pinnacle Agricultural Holdings, LLC. The case allows readers to examine both detailed financial information as well as the cooperative’s political environment. The case ends with readers being asked to recommend a decision; namely should the cooperative sell the agronomy division or should it be kept? Professors can read the authors’ teaching note to learn recommended classroom teaching strategies and also to learn the actual decision which was made by this cooperative.
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Balagobei, Saseela, and Sankeetha Aravinthakumar. "Impact of Microcredit on Living Standard of Dairy Entrepreneurs: Special Focus on Oddusuddan DS Division in Mullaitivu District." Indian Journal of Finance and Banking 3, no. 2 (December 31, 2019): 43–48. http://dx.doi.org/10.46281/ijfb.v3i2.456.
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Microcredit is part of micro finance, which provides a wider range of financial services for low income people. Micro credit serves as a vital role for Living standard of poor people in the developing countries as well as in Sri Lanka. In this Study Oddusuddan DS division in Mullaitivu district was selected as research area. After the 30 years conflict situation most people in the Oddusuddan area in Mullaitivu district are subordinate to the poverty line, because most of the displaced people who are female other than male staying here. Women lost their male relatives in struggle, and forced to take a responsibility of their family in order to look after their children, aged parents and their male relatives. Micro credit helps the poor people particularly women in effective ways in order to create income generating activities. The prime objective of this study is to investigate the impact of Microcredit on living standard of dairy entrepreneurs in Oddusuddan DS division in Mullaitivu District. In the rural areas of Mullaitivu, Oddusuddan Divisional Secretariat Divisions 100 dairy entrepreneurs were selected as the sample size of population. The selected entrepreneurs who have received loan from samurdhi bank for dairy farming activities in Oddusuddan DS Division. Primary data were used for gathering information and quantitative analysis was carried out to find out the results. In the quantitative analysis the correlation and regression methods were employed to examine the hypotheses by using SPSS. The result of this study concluded that there is a positive impact of samurdhi micro credit on living standard of dairy entrepreneurs in Oddusuddan DS Division. In addition to this, using micro credit facilities create more job opportunities and variety of economic activities and improve household education, income, saving and heath condition of the people. The study recommends that micro credit institution should consider improve the living standard of dairy entrepreneurs through increase the loan amount with lower interest rate.
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Trikurniasih, Endah, Rahmi Handayani, Agus Santoso, and Ahmad Soleh. "Analisis Dampak Pemekaran Daerah Terhadap Kinerja Keuangan dan Pelayanan Publik." Ekonomis: Journal of Economics and Business 3, no. 2 (September 19, 2019): 159. http://dx.doi.org/10.33087/ekonomis.v3i2.76.
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Decentralization is a tool to achieve one of the objectives of the state, especially providing public services. Decentralization is often called granting autonomy. The formation of autonomous regions, including through regional expansion. During the 16 years of the decentralization era, the rate of increase in DOB was very fast. In addition to the growth of new autonomous regions, transfers of central revenue to regions have also increased. Following the national phenomenon, the implementation of decentralization in Jambi Province was also marked by regional expansion. Jambi Province is one of the provinces that has significantly expanded regions. Regional expansion is deemed necessary given the development of the population and the increasing workload and work volume in each district. On that basis, I would like to carry out research related to the impact of pemekaran on financial performance and public services. This study aims to analyze the impact of regional expansion in Jambi Province on parent regions and new autonomous regions in terms of regional and public financial aspects in the post-division period. Analysis of the data in this study used qualitative and quantitative descriptive analysis. The results showed that regional expansion had a positive impact on financial performance and public services.
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Fisher, Alice S., Douglas K. Yatter, Douglas N. Greenburg, William R. Baker III, Benjamin A. Dozier, and Robyn J. Greenberg. "CFTC enters the market for anti-corruption enforcement." Journal of Investment Compliance 20, no. 3 (October 14, 2019): 32–38. http://dx.doi.org/10.1108/joic-06-2019-0038.
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Purpose This paper aims to analyze the March 6, 2019 enforcement advisory in which the Division of Enforcement (Division) of the US Commodity Futures Trading Commission (CFTC or Commission) announced that it will work alongside the US Department of Justice (DOJ) and other agencies to investigate foreign bribery and corruption relating to commodities markets. Design/methodology/approach This paper explains the enforcement advisory and outlines key considerations for industry participants and their compliance teams, including the CFTC’s plan to investigate in parallel with other enforcement authorities, an expansion of the CFTC’s existing self-reporting, cooperation and remediation policy to address foreign corruption and the CFTC’s focus on market and economic integrity, and provides guidelines for commodities companies concerning anti-corruption compliance and training programs, investigating potential incidents of bribery and corruption, reporting obligations under the Commodity Exchange Act (CEA) and CFTC regulations, voluntary reporting of incidents of foreign corruption and whistleblowing. Findings The CFTC announcement adds a new dimension to an already crowded and complex landscape for anti-corruption enforcement. A range of industries, including energy, agriculture, metals, financial services, cryptocurrencies and beyond, must now consider the CFTC and the CEA when assessing global compliance and enforcement risks relating to bribery and corruption. Originality/value Expert guidance from lawyers with broad experience in white collar defense, investigations, financial services, securities, commodities, energy and derivatives.
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Yang, Yi-Feng. "Studies of Transformational Leadership in Consumer Service: Market Orientation Behavior and Alternative Roles for the Mediators and Moderators of Change Commitment." Psychological Reports 113, no. 3 (December 2013): 767–85. http://dx.doi.org/10.2466/01.21.pr0.113x27z8.
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The present paper evaluates the relation between transformational leadership and market orientation along with the mediating and moderating effects of change commitment for employees in customer centers in Taiwan. 327 questionnaires were returned by personnel at several customer centers in four different insurance companies. Inter-rater agreement was acceptable based on the multiple raters (i.e., the consumer-related employees from the division groups) of one individual (i.e., a manager)—indicating the aggregated measures were acceptable. The multi-source sample comprised data taken from the four division centers: phone services, customer representatives, financial specialists, and front-line salespeople. The relations were assessed using a multiple mediation procedure incorporating bootstrap techniques and PRODCLIN2 with structural equation modeling analysis. The results reflect a mediating role for change commitment.
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Qiu, Ying, and Yushuang Gong. "Industrial linkage effects of RCEP economies’ imports of producer services on manufacturing advantages." PLOS ONE 16, no. 7 (July 15, 2021): e0253823. http://dx.doi.org/10.1371/journal.pone.0253823.
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This study examines the industrial transmission mechanisms between producer services imports and manufacturing advantages in RCEP economies. Based on the framework of GVCs’decomposition, we establish a hierarchical linear model (HLM) withthe data from 2007 to 2017 in the ADB MIRO, WTO BaTiS and WITS databases to analyze the impact of producer services imports in RCEP economies on the value-added domestic exports of manufacturing in countries around the world, and the conclusions are as follows: (1) Producer service imports have a significant positive impact on the domestic value-added of manufacturing exports through direct effects, upstream effects and downstream effects. The downstream effect is the main driving force for the improvement of manufacturing. After using instrumental variables to resolve endogeneity, the conclusion remains stable; (2) The downstream effect of insurance imports is the largest among producer services imports. After the outbreak of the world financial crisis, the transmission effect of the industry chain was higher in 2008 than before the crisis. (3) Due to the high degree of specialization of industrial division in developed economies, the transfer effect of the three major industrial chains is greater than that of developing countries and regions.
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Dziekański, Paweł. "Differentiation of the financial standing of the municipalities of Świętokrzyskie voivodeship in the aspect of their financial independence." Optimum. Economic Studies, no. 3(101) (2020): 41–55. http://dx.doi.org/10.15290/oes.2020.03.101.04.
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Purpose – The purpose of the article is to rate the diversity of the financial situation of municipalities in Świętokrzyskie voivodship in relation to their financial independence. Research method – The financial situation and independence are multidimensional. They are shaped by, among others, economic, legal and financial factors. The assessment of the financial standing and independence was based on the value of the synthetic measure determined by the TOPSIS method. The study covered the years 2009-2018. The article uses data obtained from the Regional Accounting Chamber of Kielce. Results – The subject of the discussion presented in the article are the issues of the financial situation and independence of the municipalities (102) of Świętokrzyskie voivodship. As part of the research, a set of diagnostic variables was selected, their nature, synthetic measure, and their division into quartile groups were determined. Originality / value – Stability and certainty of income determine the scope and level of tasks performed by the municipalities. The financial situation and independence of municipalities are not a permanent category. The financial situation of the municipalities in Świętokrzyskie voivodship was shaped by the development potential, the level of financing public services and implemented transfers, income and expenses independence and budget solvency. The best municipalities were characterized by a good situation and a high level of financial independence.
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Wuriasih, Anik. "ANALISIS FAKTOR YANG MEMPENGARUHI KUALITAS LAPORAN KEUANGAN PEMERINTAHAN DAERAH (Studi Pada Badan Pengelolaan Keuangan dan Aset Daerah di Kabupaten Manokwari)." Fokus Ekonomi : Jurnal Ilmiah Ekonomi 14, no. 1 (June 16, 2019): 17–41. http://dx.doi.org/10.34152/fe.14.1.17-41.
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This study aims to examine the influence of several factors (human resources quality, information technology utilization, internal control systems and organizational commitments) on the quality of the financial information of local government in Manokwari. Type of data uses in this research is primary data which have been obtained from questionnaires which are directly distributed to the respondents who are the head and the staffs of accounting division on financial and asset management services area (BPKAD) of Manokwari. The number of population and study sample was 46 people. Sampling using sampling methods saturated. This research data analysis method is multiple linear regression. Results of this study can be conclude that the human resources quality, internal control systems and organizational commitments have a significant positive effect on the quality of local government financial reporting information, while the use of information technology utilization does not have an effect on the quality of local government financial reporting information. Suggestion for the further research is to expand the independent variables that affect the quality of the financial information of local government.
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Suárez Corujo, Borja. "Internal coordination of social security in Spain." European Journal of Social Security 21, no. 2 (May 31, 2019): 119–40. http://dx.doi.org/10.1177/1388262719848983.
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This paper introduces the topic of the internal coordination of regional and local social security schemes in Spain. In the field of social security, the constitutional framework imposes different solutions in terms of the division of competences between State and Autonomous Communities, depending on the branch of (public) social protection. In the provision of long-term social care, for instance, both the State and the Autonomous Communities participate. Healthcare services are mainly provided by the Autonomous Communities without prejudice to certain aspects of the role played by the State. Social assistance through cash benefits or social services are exclusively provided by the Autonomous Communities, with the deep participation of local entities, especially in the case of social services. The paper outlines the extent of devolution and decentralisation, and the adjudication of competence and financial arrangements. The final section addresses some specific questions in healthcare, long-term social care and social assistance.
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Chen, Kuan-Chen, Fang-Chu Hsieh, and Yu-Jen Hsiao. "Hospital Board of Directors’ Composition and Financial Performance: Empirical Evidence from Taiwan." INQUIRY: The Journal of Health Care Organization, Provision, and Financing 58 (January 2021): 004695802110248. http://dx.doi.org/10.1177/00469580211024897.
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The board of directors of a nonprofit proprietary hospital is responsible for supervising and managing major operational matters and reviewing operational results. This study investigates how hospital financial performance is influenced by director and supervisor characteristics among the board members of nonprofit proprietary hospitals in Taiwan. Data were obtained from the Division of Medical Services of the Ministry of Health and Welfare. A generalized linear model was used to evaluate 32 non-profit proprietary hospitals for the years 2006 to 2017, totaling 363 observations. The empirical results revealed a significant positive correlation between the proportion of directors with management qualifications and hospital financial performance. Moreover, the results represented that a higher proportion of board members with a medical background did not correspond to higher hospital financial performance. Although doctors accounted for the highest proportion of board members, indicating their key role in hospital management, the need for board members with management expertise cannot be ignored. Therefore, a balance between directors with management experience and medical knowledge on the board of directors is beneficial for hospital financial performance.
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Alice Young, Mary. "Dirty money in Jamaica." Journal of Money Laundering Control 17, no. 3 (July 8, 2014): 355–66. http://dx.doi.org/10.1108/jmlc-09-2013-0032.
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Purpose – The purpose of this paper is to examine the current state and future pressures of money laundering on Jamaica and the financial crime connections between the UK and Jamaica. Design/methodology/approach – The paper focuses on the primary data collected from a series of semi-structured interviews with members from the law enforcement and financial services sectors of Jamaica. The main objective of the interviews was to secure a range of opinions concerning the problem of money laundering in the country. Interviewees were selected from the Office of the Director of Public Prosecutions, the Financial Investigation Division of the Ministry of Finance and Planning, the British High Commission and the Financial Services Commission. The names of all subjects shall remain anonymous to protect the privacy of those who were interviewed. Findings – Through the analysis of primary data it will be shown that Jamaica remains vulnerable to money laundering – particularly the proceeds of crime laundered through the remittance sector – despite a legislative overhaul in 2007 to adopt the UK’s Proceeds of Crime Act. Ineffective legislation is most certainly due to generic weaknesses and flaws which are applicable to many Caribbean states, for example, a lack of political will to enforce anti-money laundering regulations, corruption, inadequate police training, lack of resources, a strong remittance sector and geographical positioning along a drug-trafficking route. Originality/value – This paper is the first of its kind to comprehensively analyze the money laundering situation in Jamaica, using detailed first accounts from members of the law enforcement and financial sectors.
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Supriatna, Ucu. "KEWENANGAN OTORITAS JASA KEUANGAN DI BIDANG PERBANKAN DALAM MEWUJUDKAN KEPASTIAN HUKUM." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 7, no. 2 (July 29, 2019): 7–18. http://dx.doi.org/10.34010/jika.v7i2.1911.
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National banking is one of the main pillars in national economic development, and is expected to be an agent of development in achieving national goals, so that required a strong and professional institutions in the regulation and supervision of the banking and independent of the intervention of other parties. discusses the authority of the Financial Services Authority in conducting banking regulatory and supervision in Indonesia with the principles of legal certainty, the relationship between the Financial Services Authority and Bank Indonesia in regulating and supervising the banking and OJK Independence in regulating and supervising banking in Indonesia.
The research method used in this research is analytical descriptive research method, that is research which describe and describe various state or fact whic h exist about Authority of Financial Services Authority In Banking in Realizing Legal Certainty. Then the general description is analyzed by starting from the legislation, the existing theories and the opinions of experts who aims to find and get answers from the main issues that will be discussed further and using the method of normative juridical approach, namely research methods that emphasize the secondary data that is by studying and reviewing the principles of law and positive law rules derived from the existing literature materials in legislation and other legal provisions.
The results of the research on the authority of the Financial Services Authority in the Banking Division in realizing legal certainty, Before the establishment of OJKyang perform the tasks and functions of regulation and supervision of banks is Bank Indonesia, but after the establishment of OJK, the tasks and functions of banking regulation and supervision turned to OJK. Between Bank Indonesia and OJK can not be separated there is still a connection. Bank Indonesia conducts Macroprudential Supervision, which regulates the stability of the financial system as a whole and comprehensively, while OJK conducts microprodential surveillance, namely Regulation and supervision on institutional, health, prudential aspects, and bank checks. But in its implementation does not close the possibility of overlapping. With the contribution or levy of companies conducting business activities in the financial services sector will affect the level of independence of OJK itself, so that the dues or charges should not be charged to the company, but charged to the state budget so that there is no conflict interest.
Keywords: Bank Regulation & Supervision, Legal Certainty, OJK Independence
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Vartsaba, Vira, and Olha Zaslavska. "FINTECH INDUSTRY IN UKRAINE: PROBLEMS AND PROSPECTS FOR THE IMPLEMENTATION OF INNOVATIVE SOLUTIONS." Baltic Journal of Economic Studies 6, no. 4 (November 13, 2020): 46–55. http://dx.doi.org/10.30525/2256-0742/2020-6-4-46-55.
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The article considers the issues of development of the financial technology market, its opportunities and obstacles, as well as the need and inevitability of the in-troduction of fintech solutions in the financial and credit spheres. The main purpose of the research is to determine the role of fintech services in the state economy, the prospects for their development, as well as to substantiate the trends of adaptation of classical credit institutions and consumers of financial services to new financial tech-nologies at different stages of their development. Systematization of literature sources and approaches to solving the problem of intensifying activities in the field of innovative finance has shown that fintech is a specific cross-sectoral industry, which lies on the border of financial and IT spheres, consists of companies that use technology to improve the efficiency of financial services and encompasses digital innovations and programs that facilitate the creation and implementation of financial products. The urgency of solving this scientific problem is that the market of finan-cial technologies is one of the fastest growing. That is why it highlights the need for traditional financial institutions to digitize their activities through a radical change in the business model in order to strengthen competitive positions and provide strategic advantages. The research of the implementation of financial technologies in the article is carried out in the following logical sequence: systematization of stages of development of the fintech industry; assessment of the development of the fintech sphere in Ukraine in the context of the transition to the stage of integration with the banking system; study of the strengths and weaknesses of domestic banks and fintech companies, outlining obstacles and necessary changes for further digitization of the financial and credit system; research of the process of implementation of fintech services on the example of the technology life cycle model; assessment of the relationship between the level of financial and digital literacy of the population and the depth of promotion of innovative fintech products; identifying ways to increase the financial and digital inclusion of the population of Ukraine. Methods of the empirical, experimental and theoretical levels became the methodological tools of the conducted research. The results were evaluated and analyzed on the basis of surveys conducted in 2017-2019 by the Ukrainian Association of Fintech and Innovative Companies, the Ministry of Digital Transformation of Ukraine, the Ukrainian division of the British audit and consulting company Ernst & Young, and the US Agency for International Development. The article presents the results of an empirical analysis of the relations and interdependence of classical and innovative financial institutions, which showed the inevitability of the processes of digitization of financial services. The study em-pirically confirms and theoretically proves that the favorable development of the fintech industry is based on the following: the level of public awareness in the field of finance and information technology; the level of innovative development of financial institutions and the degree of penetration of the fintech companies in the financial market of the country; completeness of the legal framework.
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Hunter, Lawrie. "Clarity is still key Wim Pols Corporate communications specialist." Document Design 1, no. 3 (December 31, 1999): 198–201. http://dx.doi.org/10.1075/dd.1.3.07hun.
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Wim Pols (45) is Chief Editor of the Editorial Department of the Corporate Communications and Strategy Division of ING Group, a diversified financial services group headquartered in the Netherlands with more than 90,000 employees in over 60 countries. Wim and his team do the speechwritingforthe Executive Board and produce several publications such as regular bulletins for shareholders, brochures, financial reports and special project bulletins. Wim Pols started his career as a translator with the shipyard Wilton-Fijenoord in 1973 and switched to corporate communications after a few years. In 1983, he joined the insurance company Nationale-Nederlanden as a writer for the international staff magazine. Later, he became editor of corporate publications of Nationale-Nederlanden. When the company merged with the NMB-Postbank Group to become ING Group, Wim Pols began to work for the holding, where he built up the Editorial Department.
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Bok, Hai Suan, and K. S. Raman. "Software Engineering Productivity Measurement using Function Points: A Case Study." Journal of Information Technology 15, no. 1 (March 2000): 79–90. http://dx.doi.org/10.1177/026839620001500108.
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This paper reports on the findings of an empirically based case study of the use of function points analysis (FPA) by the information systems division of a large financial services company. The software engineering productivity figures measured by FPA in this company varied widely across the departments of the division and projects. Investigation of the reasons for the variations showed that, in addition to factors such as the technology platform and application characteristics, organizational and human factors affect the accuracy and reliability of productivity figures. Elucidating the lessons from this case, this paper suggests that three factors – knowledge of the FPA, calibration of the function point productivity indicator and rigour of the measurement process – are critical to the successful implementation of an FPA programme. These findings and the issues identified in the paper will be of interest to academics in the area of software productivity measurement and companies considering FPA as a productivity metric.
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Brenzovych, Kateryna, and Myroslava Tsalan. "GLOBAL IMPACT AND REGIONAL DIMENSIONS OF SERVICES MARKET DEVELOPMENT IN UKRAINE." Three Seas Economic Journal 2, no. 1 (April 26, 2021): 14–19. http://dx.doi.org/10.30525/2661-5150/2021-1-3.
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In the context of decentralization processes in Ukraine, the development of perspective segments of the service sector that can be oriented at an external domestic or foreign consumer, should be in the focus of attention of local authorities and self-government bodies. For this reason, the purpose of the paper is to explore the theoretical foundations and practical realities of developing regional service markets in Ukraine, to study the influence of national and global factors on the tertiary sector development. Methodology. The study is conducted with the application of general scientific and specific methods of economic research. In particular, the methods of analysis and synthesis were used in assessing the structure of the services market according to statistical observations. The classification method is applied in the author's vision of division of services. The use of induction and extrapolation methods made it possible to distinguish the general features of services, based on certain occasions and market indicators and to extend them to a general structure. Results show the current state and development specifics of the services market of Ukraine in the regional dimension and the prospects of export specialization of its regions and trade in services in the context of Ukraine’s participation in the WTO and association with the EU. Particular attention is paid to the study of the development of services market at the regional level, since the functioning of the services market has a clearly identified regional orientation, which causes significant differences in the development of entrepreneurship in the service sector at both the regions of the global economy, country and the local administrative and territorial entities. Some types of services are "tied" to the territory (for example, tourist locations), others have to be close to potential consumers (utility, personal, household services). The financial services sector is excluded from the subject of the study, which is explained by higher globalization of this type of services and much lower relation to regional development. Practical implications. The study of services sector development will be useful for local and national authorities while taking measures on local development programs. Value/originality. The study takes into account both local and global factors influencing the services market development, which is especially valuable in the context of Ukraine’s aspirations of integration to the European Union.
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Malhotra, Aneil, Harshil Dhutia, Sabiha Gati, Tee-Joo Yeo, Gherardo Finnochiaro, Tracey Keteepe-Arachi, Thomas Richards, et al. "Emergency response facilities including primary and secondary prevention strategies across 79 professional football clubs in England." British Journal of Sports Medicine 53, no. 13 (June 14, 2017): 813–17. http://dx.doi.org/10.1136/bjsports-2016-097440.
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AimTo assess the emergency response planning and prevention strategies for sudden cardiac arrest (SCA) across a wide range of professional football clubs in England.MethodsA written survey was sent to all professional clubs in the English football league, namely the Premiership, Championship, League 1 and League 2. Outcomes included: (1) number of clubs performing cardiac screening and frequency of screening; (2) emergency planning and documentation; (3) automated external defibrillator (AED) training and availability; and (4) provision of emergency services at sporting venues.Results79 clubs (86%) responded to the survey. 100% clubs participated in cardiac screening. All clubs had AEDs available on match days and during training sessions. 100% Premiership clubs provided AED training to designated staff. In contrast, 30% of lower division clubs with AEDs available did not provide formal training. Most clubs (n=66; 83%) reported the existence of an emergency action plan for SCA but formal documentation was variable. All clubs in the Premiership and League 1 provided an ambulance equipped for medical emergencies on match days compared with 75% of clubs in the Championship and 66% in League 2.ConclusionsThe majority of football clubs in England have satisfactory prevention strategies and emergency response planning in line with European recommendations. Additional improvements such as increasing awareness of European guidelines for emergency planning, AED training and mentorship with financial support to lower division clubs are necessary to further enhance cardiovascular safety of athletes and spectators and close the gap between the highest and lower divisions.
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Vilasi, Antonella Colonna. "The Role of Financial and Business Intelligence in a Globalized World." Journal of International Cooperation and Development 2, no. 1 (May 1, 2019): 22. http://dx.doi.org/10.36941/jicd-2019-0003.
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After the end of the Cold War, Intelligence Agencies and security Services have significantly extended their skills in the financial, economic and technological sectors. The growing impact of organized crime, which has enormous financial resources, is also widespread. The "cleansing" of dirty money and the massive investments made in certain productive sectors have become a real threat, which affects every country. The increase of the financial and economic Intelligence is related primarily to the geo-economic competition between states, the globalization of markets and production, and the fact that the internationalization of property has been added to the traditional competition for the conquest of markets related to the ownership structure of the social groups and the location of the manufacturing companies. While in the past the objective of companies was the market, now also the portfolio is important. This causes a notable dynamism of the ownership structures and therefore a potential instability even in the division of labor. Hostile acquisitions, destabilizing financial maneuvers, industrial espionage of the technological assets of national companies are possible. In this sense, geo-economics has assumed a more important role than geostrategy in the new international geopolitics. States must therefore equip themselves for geo-economic competition as they were in the past focused on the geostrategic one.
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Alvehus, Johan. "Clients and cases: ambiguity and the division of labour in professional service firms." Baltic Journal of Management 12, no. 4 (October 2, 2017): 408–26. http://dx.doi.org/10.1108/bjm-09-2016-0201.
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Purpose By drawing on a detailed case study of the work of tax consultants, the purpose of this paper is to develop a more detailed understanding of the role of ambiguity in professional work, and its relationship to the division of labour in professional service firms (PSFs). Design/methodology/approach The paper is based on a three-year, longitudinal interpretive case study comprising 42 interviews, supplemented by observations and document data. Findings The research determines that processes of “obfuscation” and “privatisation” separate client work from case work. This maintains a division of labour between junior and senior professionals, which in turn facilitates financial leverage. The findings indicate that a more nuanced view on the role and origins of ambiguity is needed; particularly the role ambiguity plays in the division of labour. While inherent in professional work, ambiguity is also an effect of the way work processes are organised in order to obtain leverage. Research limitations/implications The research is based on a case study. Therefore, the paper explores its topic in empirical detail, but at the same time calls for exploring the topic in different contexts. The paper encourages further research on the role ambiguity plays being constituted by structural arrangements, and on the way the core of professionalism is inverted by the division of labour. The paper highlights the value of detailed empirical approaches for understanding professional work. Practical implications The paper draws attention to the way ambiguity becomes a part in sustaining a division of labour among professional workers, and to the importance of this in maintaining financial leverage as well as in creating a precarious work situation for junior professionals. Social implications The paper raises concerns about the way professional work is legitimated in society as opposed to how it is constructed in PSFs. Originality/value The paper challenges prevalent notions of professional work as ambiguous, offering instead a way of engaging with professional work processes in detail, theoretically and methodologically. Traditional assumptions about the division of labour and the “core” of professional work are problematized, and traditional assumptions about ambiguity as a cause of specific structural arrangements are questioned.
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Kundera, Jarosław. "New Industrial Countries in Global Trade in 2007–2018." Ekonomia 26, no. 2 (August 11, 2020): 41–66. http://dx.doi.org/10.19195/2658-1310.26.2.3.
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After 2007 year the world economy entered not only a financial crisis, but also structural changes in the international division of labor. The crisis affected different sectors and trading partners, which influences their position in the global economy. While world trade has returned to a dynamic growth path since 2011, the global economy has undergone qualitative change due to the decline in exchange of well-developed countries and growth in trade of New Industrial Countries (NIC). The emerging trends of trade after the crisis is worth examining, for at least two reasons: firstly, because, through the crisis, they verify the theories of international trade, while at the same time giving a response — the thesis of which theories correspond to modern reality. Secondly, they shed light on the shaping of the future division of labor in the global economy and the new balance between sectors and partners. After 2007, international exchange was growing by increasing the demand for technologically advanced products, on diversity, and on services. The increase of NIC in global trade points to the importance of competitiveness factors, diffusion of knowledge and development of Global Value Chains. The EU and the USA are seeing the steady progress of NIC, especially when it comes to exchanging office and telecommunications equipment, chemicals, computers, construction and travel services, but they are of marginal importance when it comes to charges for intellectual property rights.
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Gain, Ma Germie F., and Inero V. Ancho. "Analyzing School Budget And National Achievement Test (NAT)." Jurnal Penjaminan Mutu 5, no. 1 (February 28, 2019): 83. http://dx.doi.org/10.25078/jpm.v5i1.635.
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<p><em>This study analyzes how the allocation and utilization of school budget of selected schools in a City Schools Division in the Philippines relates with student achievement in the National Achievement Test (NAT). Data were obtained from the participating schools for school years 2012-2013 to 2014-2015 and were analyzed using Pearson correlation coefficients to determine if a relationship existed between specific school financial categories of the Annual Implementation Plan (AIP) and financial reports and the Mean Percentage Score (MPS) in NAT. Data were also analyzed through coefficients of variance to quantify the percent of the related sample that may be explained by the correlation of the variables. Findings include that training and seminar expenses, general services, repair and maintenance expenses and supplies and materials expenses were found to have a significant relationship with the MPS in NAT. Moreover, the positive relationship between financial expenditures and student performance is strongest in Mathematics, and the manner of spending financial resources only affects student performance in many subject areas but not the overall performance in NAT. These findings suggest policy recommendations that aim to guide school heads in the utilization of school budget which would most likely improve student performance in NAT. </em></p>
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GORIACHYK, V. F., and G. M. MURZANOVSKIY. "THE METHODICAL PRINCIPLES OF CREATION OF ECONOMICALLY SELF-SUFFICIENT COMMUNITIES OF THE BASIC LEVEL." Economic innovations 20, no. 1(66) (March 20, 2018): 53–61. http://dx.doi.org/10.31520/ei.2018.20.1(66).53-61.
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Topicality. This is due to the deterioration of the quality and accessibility of public services as a result of resource insecurity of communities, aging of the population and rural departures, reducing the level of professionalism of local self-government officials, excessive centralization of powers of executive power bodies and lack of financial and material resources. Purpose and tasks. Development of methodical foundations for the formation of economically viable communities at the baseline level. Results. An analysis of the methodology for the formation self-sufficiency of united territorial communities (UTC), approved by the Cabinet of Ministers of Ukraine from April 8, 2015, No. 214, showed that it can not be considered as a methodology for the formation of self-sufficiency communities. It does not contain provisions on the economic assessment of the compliance of community incomes with the costs that are necessary to ensure the provision of public services assigned to the community. The main focus of this methodology is to identify the potential administrative centers of the communities (in the first place, these are the cities of regional importance and settlements with the status of district centers) and their accessibility zones. The concept of self-sufficiency of a separate U�C is replaced by the notion of matching its per capita income to the average level among all U�Cs. The article formulated a scenario for the formation of economically self-sufficiency of communities of the baseline level, which involves a certain sequence of stages from the definition of the size of communities, the division of powers between different levels of administrative-territorial units on the principle of subsidiarity, the development of standards (norms) of public services, estimates of the costs required for the community exercising its powers and ending with legislative consolidation of the sources and volumes of community financing and its staffing. The project of distribution of powers between different levels of administrative-territorial units based on the principle of subsidiarity is proposed, which defines the level of provision of each service (community, district, region) and it is determined who has the authority to provide the service, has the opportunity and can most effectively perform the service. Conclusions. The proposed scenario for the formation of economically viable communities at the baseline level and the project of division of powers between different levels of administrative-territorial units provide the basis for developing a methodology for economically viable communities.
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Wirig, Matthew T., and Kate S. Poorbaugh. "The SEC provides new custody rule guidance to investment advisers." Journal of Investment Compliance 18, no. 2 (July 3, 2017): 9–12. http://dx.doi.org/10.1108/joic-04-2017-0021.
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Purpose To summarize guidance from the Securities and Exchange Commission’s (“SEC”) Division of Investment Management regarding Rule 206(4)-2 (the “Custody Rule”) under the Investment Advisers Act of 1940. Design/methodology/approach This article summarizes the SEC’s guidance on “inadvertent custody” created by broad authority in custodial agreements, custody created by standing letters of instruction, and adviser authority to transfer funds or securities between two or more of a client's accounts. Findings This article concludes that firms should review their existing client custodial agreements, standing letters of instruction and other arrangements carefully to determine whether they have custody and whether additional action is necessary. Originality/value This article contains information on the Custody Rule and related SEC guidance from experienced securities and financial services regulatory lawyers.
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Hurley, RH, CM Douglas, J. Montgomery, and LJ Clark. "The hidden cost of deep neck space infections." Annals of The Royal College of Surgeons of England 100, no. 2 (February 2018): 129–34. http://dx.doi.org/10.1308/rcsann.2017.0193.
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Introduction The incidence of deep neck space infection (DNSI) is rising and appears to be related to falling rates of tonsillectomy. The purpose of this study was to assess demographics of patients presenting with DNSI and the financial burden to the National Health Service (NHS). Methods Data were collected retrospectively on patients aged over 16 years admitted to NHS Greater Glasgow and Clyde with DNSI between 2012 and 2016. Demographics, aetiology and use of hospital resources were reviewed. The cost of hospital admissions was calculated using data from NHS Scotland’s Information Services Division, the local diagnostics division and the British National Formulary. Results Seventy-four patients were admitted with DNSI during the study period. Forty (54%) were male. The mean age was 44.0 years (range: 16–86 years). The most frequent source of infection was the tonsil (n=30, 40.5%). The most common infective organism was Streptococcus constellatus (n=9, 12.2%). The mean length of stay was 11 days. Fifty-five patients (74.3%) required operative intervention. The mean cost of admission per patient was £5,700 (range: £332–£46,700). Conclusions This study highlights the high cost burden of DNSI to the NHS. The incidence of DNSI in Glasgow has risen over the study period; contributing factors may include the reduced tonsillectomy rate and a reduction in antibiotic prescribing. As the incidence of DNSI continues to rise, there will be an increase in cost to the NHS, which must be planned for.
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Andriyanova, Tatyana. "The Quality of Service Provision by Special Libraries for the Visually Challenged in Regional Scale." Logos et Praxis, no. 3 (December 2018): 109–17. http://dx.doi.org/10.15688/lp.jvolsu.2018.3.12.
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The study deals with the regional scale of the quality of services provided by special libraries for the visually challenged. Satisfaction with the quality of services provided by special institutions for persons with disabilities, as exemplified by the libraries for the visually challenged, helps to understand and identify current barriers. These barriers include physical ones of the infrastructure of cultural institutions, and other types – financial, social, educational, negatively affecting the quality of services. In the context of this issue the author considers it necessary to address the legal component of the service provision to persons with disabilities by cultural institutions. The main documents starting with the Declaration of human rights (1948) emphasize the need to create a type of social inclusion of persons with disabilities in every society and that would allow them to fully realize their civil rights. In practice, every person with disabilities encounters obstacles along the way. This also applies to special libraries for the visually challenged, who having sufficient experience in this field, can only become a division of public libraries. New Model standard of public libraries charges them to serve visually challenged users. This, in turn, can have a negative impact on the quality of services provided, as public libraries do not have appropriate capabilities, technical and human resources. The relevance of measuring the quality of services of special libraries for the visually challenged is due to their high importance as a social institution with universal opportunities to meet the basic needs of the visually impaired. The results of the study suggest a high satisfaction of visitors of special libraries for the visually challenged with the quality of services, which is one of the main criteria in assessing the work of cultural institutions of this type. Reaching the conclusions on the basis of the above-stated the author points out the need to improve the methodology for measuring the quality of services provided by special libraries for the visually challenged and the possibility for further study of this issue.
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Agyei-Mensah, Ben Kwame. "Divisional performance measurement in the retail financial service sector." International Journal of Productivity and Performance Management 66, no. 2 (February 13, 2017): 180–95. http://dx.doi.org/10.1108/ijppm-09-2015-0137.
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Purpose Focussing on responsibility theory of management accounting, the purpose of this paper is to test how performance measurements are applied in divisionalised financial service companies. Management accounting theory suggests that two different measures of branch performance should be computed: one to evaluate the economic performance of each branch and the other to evaluate the performance of branch managers (managerial performance). It also advocates that the evaluation of a manager’s performance should consist of only those factors under his or her control. That is, divisionalised performance measurement should be based on the application of the controllability principle, the study also identified the contingent factors that impinged on the selection of performance measures and the allocation of common costs (ACCs) to branches. Design/methodology/approach Using a survey questionnaire and analysis of financial statements of the 129 respondent companies the application of financial performance measures: non-financial performance measures and ACCs were tested. For the purpose of this study, dummy variables were assigned to represent whether or not an item is used, if an item is used 1 is assigned to that item and 0 if an item is not used. The values assigned were then summed up to represent the total score for each company. Descriptive statistics and regression analysis was performed to test the six hypotheses of the study. Findings The study found that a substantial majority of respondents used different performance measures to evaluate the performance of their branch managers and the economic performance of branches. Both financial and non-financial performance measures were equally used in measuring the performance of branches and branch managers. The study also found that branch managers do not have full autonomy and control over the allocation of common resources costs which form part of their evaluation, even though accounting theory suggest that. The regression analysis results showed that firm size, liquidity and leverage were the factors that influence the decision to employ financial performance measures, non-financial performance measures and ACC by the respondent companies. Research limitations/implications Despite the popularity of the balanced scorecard it is surprising to note that none of the respondents have ever used this as a performance measure. The implication is that knowledge of this performance measure is very low among the respondents. The excessive use of uncontrollable factors in the measurement process can reduce the morale of the staff involve hence steps should be taken to reduce their use. Originality/value This is one of the few studies conducted on the application of performance measures in the financial services and also in a developing country setting. The findings would help organisations in both developing and developed economies to improve upon the application of performance measurement techniques in their branches/divisions.
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Sinanovic, Edina, Sandi Mbatsha, Stephen Gundry, Jim Wright, and Clas Rehnberg. "Water and sanitation policies for improving health in South Africa: overcoming the institutional legacy of apartheid." Water Policy 7, no. 6 (December 1, 2005): 627–42. http://dx.doi.org/10.2166/wp.2005.0038.
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The burden of water-related disease is closely related to both the socio-economic situation and public health issues like access to clean water, sanitation and hygiene services. Poverty eradication, through improved access to water and sanitation, is the South African government's major priority. This is partly achieved through subsidising the cost of water and sanitation provision to the poor in rural areas. Whilst the new policies have made a remarkable impact on improved access to water and sanitation services, a general problem since the new approach in 1994 has been the lack of integration of policies for water and sanitation and health. This paper analyses the policies concerning rural water supply and sanitation in South Africa. It considers the structure of institutions, the division of responsibilities and legislated and financial capacity of the South Africa's water sector. A more integrated approach for the policies aiming at water access, sanitation and health is needed. In addition, as the local government's capacity to implement different programmes is limited, a review of the financing system is necessary.
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Kvasnytska, Raisa, Inna Dotsenko, and Dmitrii Prystupa. "Formation of a Mechanism for Ensuring the Financial Security of the Bank." Modern Economics 25, no. 1 (February 23, 2021): 73–78. http://dx.doi.org/10.31521/modecon.v25(2021)-11.
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Annotation. Introduction. The current situation in the market of banking services is due to the influence of internal and external factors that make the bank vulnerable to crises. The financial security of the bank is the key to its stable development, so its research is extremely important. The priority of ensuring the financial security of the bank necessitates a comprehensive approach by developing an appropriate mechanism to ensure the financial security of the bank, taking into account the impact of external and internal threats. Purpose. The purpose of the work is to develop elements of the mechanism for ensuring the financial security of the bank, taking into account internal and external threats. Results. Theoretical problems of the mechanism of financial security of the bank are considered. Based on a critical analysis of the economic literature, the author’s interpretation of the concept of “mechanism for ensuring the financial security of the bank” from the standpoint of the impact of internal and external threats. The purpose and tasks of the mechanism of ensuring the financial security of the bank are highlighted. It is proposed to divide the functions of the bank’s financial security mechanism into basic and specific functions, those that are inherent in banking. The principles of ensuring the financial security of the bank are highlighted. It is substantiated that the process of forming the mechanism of ensuring the financial security of the bank is complex and should take into account the impact of internal and external threats. The threats affecting the financial security of commercial banks are ranked, with their division into internal and external. The main threats to the external environment are: global or local financial crises; falling demand for loans and banking services; the level of distrust on the part of legal entities and individuals in the banking system; refinancing volumes and the size of the discount rate; low level of investment activity in the country, and consequently the lack of investment funds. The main internal threats to the bank’s financial security are: errors in strategic planning and forecasting; irrational use of the bank’s potential; low level of return on assets. The stages of the mechanism of ensuring the financial security of a banking institution on the basis of taking into account the impact of internal and external threats have been formed. Conclusions. Based on the proposed stages of the mechanism of financial security of the bank, taking into account the impact of internal and external threats, we can trace all possible options for using strengths and opportunities in developing a strategy for financial stability of the bank, as well as identify factors influencing the bank. Keywords: threats, internal threats, external threats, collateral, mechanism, financial security of the bank, functions of the mechanism, principles of the mechanism, subjects and objects of the mechanism.
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Liebrenz, Boris. "The Social History of Surgery in Ottoman Syria." Turkish Historical Review 5, no. 1 (April 30, 2014): 32–58. http://dx.doi.org/10.1163/18775462-00501006.
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Little is known about the role of surgery in pre-modern medical practice in general, and in the lands under Muslim dominance in particular. There is an acknowledged gap between theoretical knowledge and medical practice, but evidence of the latter is difficult to find. Many fundamental questions therefore remain unanswered. For example, was there a division of labour between surgeons and physicians? We are also mostly ignorant about who practiced surgery, the legal context surrounding this practice, and its financial aspects. This article offers an analytical edition of two documents from the Syrian town Hamah dating from 1212/1798, which can help answer some of these questions. They concern a respected and learned physician who also personally performed the removal of bladder stones and was paid well for his services.