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Journal articles on the topic 'Efficiency of lending policy'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Kruhliakova, Vira V., and Sofiia V. Prokopchuk. "Assessment of the Efficiency of the Bank’s Lending Policy." PROBLEMS OF ECONOMY 4, no. 62 (2024): 245–52. https://doi.org/10.32983/2222-0712-2024-4-245-252.

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The lending policy of a commercial bank is a key element of its strategic management, which determines the principles of granting loans, risk assessment and setting interest rates. In a dynamic financial environment, banks are forced to adapt their strategies to ensure stability and competitiveness, taking into account economic conditions, regulatory requirements and technological innovations. This requires constant monitoring of market changes and the introduction of innovative approaches to minimize risks and increase the efficiency of lending activities. The article is aimed at assessing th

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2

Zhabina, Svetlana. "Econometric Analysis of Bank Lending Channel Efficiency in Russia." Moscow University Economics Bulletin 2017, no. 3 (2017): 61–79. http://dx.doi.org/10.38050/01300105201734.

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The paper investigates the relationship between monetary policy indicator and bank lending in Russia using dynamic panel regressions and quarterly banks’ balance sheets data for the period of 2010- 2016. The main purpose of the paper is to identify bank characteristics, which determine the reaction of bank lending to monetary policy shocks. The results support the existence of a bank lending channel of monetary transmission. The extent to which banks change lending in response to monetary policy changes depends on banks’ liquidity, size and refinancing from the central bank.

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Алентьева, Н. В., and М. К. Чистякова. "Improving the efficiency of lending to individuals of a bank with state participation." Экономика и предпринимательство, no. 9(134) (December 17, 2021): 911–16. http://dx.doi.org/10.34925/eip.2021.134.9.173.

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В статье рассматривается рассматриваются проблемы кредитования физических лиц коммерческими банками. Особое внимание уделяется кредитной политике -как стратегии банка по привлечению ресурсов на возвратной основе и их инвестированию в части кредитования клиентов банка. В настоящее время кредитная политика направлена на увеличение объемов активов и повышения их качества, за счет различных факторов оптимизации. Суть стратегии заключается в использовании различных способов и методов для решения задач кредитной политики. Предложены способы повышения эффективности кредитования физических лиц в комме

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Świtała, Filip, Iwona Kowalska, and Karolina Malajkat. "Size of Banks as a Factor Which Impacts the Efficiency of the Bank Lending Channel." e-Finanse 16, no. 1 (2020): 36–44. http://dx.doi.org/10.2478/fiqf-2020-0005.

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AbstractIn most economies the banking sector plays the major role in the financial system. Therefore, it is of great importance to analyse and understand the mechanism of transmission of monetary policy and its impact on the banking sector. One of the possible repercussions of changing the level of official interest rates is the ability to influence the size of bank lending, by means of the bank lending channel. The key aspect our research is a thorough understanding of the functioning of the bank lending channel, with the main goal of this study being an examination of the efficiency of monet

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Khan, Muhammad Azam, Zulfiqar Khan, and Sardar Fawad Saleem. "Monetary policy effectiveness in Asian developing economies: the moderating role of financial sector development." Journal of Financial Economic Policy 15, no. 3 (2023): 226–47. http://dx.doi.org/10.1108/jfep-01-2023-0021.

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Purpose This study aims to explore the impact of monetary policy on bank lending rate with the moderating effects of financial sector development for eight Asian developing economics. Design/methodology/approach This study uses panel autoregressive distributed lag/pooled mean group estimation over the period ranging from 1980 to 2020. Findings The empirical results exhibit an inverse link between monetary policy measured by broad money supply on the bank lending rate, indicating that the increase in the money supply by the central bank lowers the demand for loans and thereby lowers the cost of

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Miroshnichenko, Dmitry. "The impact of the Bank of Russia’s macroprudential policy on the risk exposure of banks’ consumer loan portfolios." Russian Journal of Money and Finance 80, no. 3 (2021): 73–93. http://dx.doi.org/10.31477/rjmf.202103.73.

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In this paper, the author examines the efficiency of risk weight add-ons introduced by the Bank of Russia depending on borrowers’ debt burden in terms of discouraging high-risk unsecured rouble consumer lending and the effect of these add-ons on banks’ capital adequacy. The analysis is based on open bank reporting data for the period from October 2019 through August 2020. We show that in this time frame, most banks increased their capital. At the same time, the results obtained do not enable us to confirm the hypothesis that this measure has a pronounced effect on the reduction of the risk pro

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Cantero-Saiz, María, Begoña Torre-Olmo, and Sergio Sanfilippo-Azofra. "SUSTAINABLE BANKING, FINANCIAL STRENGTH AND THE BANK LENDING CHANNEL OF MONETARY POLICY." E+M Ekonomie a Management 26, no. 1 (2023): 165–85. http://dx.doi.org/10.15240/tul/001/2023-1-010.

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The aim of this article is to analyse how sustainable banking affects the transmission of monetary policy through the bank lending channel. We also quantify how these effects are determined by the financial strength of each bank. These objectives, which have not been studied previously, represent an important contribution because real sustainable concerns in banking did not emerged until recently, mainly with the adoption of the Sustainable Development Goals that should be reached by 2030. Since then, some studies have focused on the effects of sustainability on aspects such as bank profitabil

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Strickland, Catherine, and Russell Sturm. "Energy efficiency in World Bank power sector policy and lending New opportunities." Energy Policy 26, no. 11 (1998): 873–83. http://dx.doi.org/10.1016/s0301-4215(98)00007-x.

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9

Shokr, Mohamed Aseel, and Anwar Al-Gasaymeh. "Bank lending channel and banking sector efficiency: panel data of Egypt." International Journal of Emerging Markets 13, no. 5 (2018): 1291–310. http://dx.doi.org/10.1108/ijoem-08-2017-0289.

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Purpose The purpose of this paper is to examine the relevance of the bank lending channel (BLC) of monetary policy and the bank efficiency in Egypt. Design/methodology/approach This paper examines the effectiveness of bank lending channel using generalized method of moments GMM model during the period from 1996 to 2014. Also, it uses stochastic frontier approach (SFA) to examine the bank efficiency in Egypt. Findings This study supports the relevance of the BLC using panel data. Moreover, applying SFA, this paper computes cost efficiency taking account of both time and country effects directly

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10

Robertson, Mari L. "Securitization and financial markets: the implications for interest rate pass-through." Journal of Financial Economic Policy 8, no. 4 (2016): 472–98. http://dx.doi.org/10.1108/jfep-02-2016-0010.

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Purpose The transmission of monetary policy rates to lending rates is viewed as a crucial path of monetary policy. As an integral part of the financial system and the recent financial crisis, securitized assets have the potential to affect the interest rate pass-through process and monetary policy effectiveness. This paper aims to investigate the influence of securitization on the transmission of policy rate changes to lending rates and how rate transmission has changed since the recent financial crisis. Emphasis is placed on differences among the mortgage, consumer credit and business loan se

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Pant, Dinesh Kumar. "Factors Affecting Non-performing Loans of Nepalese Commercial Banks: A Perception of Bankers." Journal of Nepalese Management and Research 5, no. 1 (2023): 89–99. http://dx.doi.org/10.3126/jnmr.v5i1.61385.

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This study investigated the factors influencing non-performing loans (NPLs) in Nepalese Commercial Banks. Macro-economic factors, managerial efficiency, and lending policy were identified as independent variables, while non-performing loans constituted the dependent variable. A descriptive and causal-comparative research design was adopted to run the study. The population of the study was the entire bankers working at the various branches and province-level offices of the different commercial banks of Karnali province. A convenience sampling plan was used to collect the responses. The data was

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Fernández Sánchez, José L., María D. Odriozola, and Elisa Baraibar‐Diez. "How the method for delivering loans impacts on the economic efficiency of microfinance institutions." Global Policy 15, S1 (2024): 92–102. http://dx.doi.org/10.1111/1758-5899.13312.

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AbstractThe aim of this research has been to analyse how the method employed for lending can affect the cost efficiency of microfinance institutions (MFIs) since innovations for lending have been introduced in the sector in the last years and there are not empirical studies to analyse the actual impact of it. The improvement of MFIs' cost efficiency is very important for these institutions to achieve their financial self‐sufficiency and be sustainable in the long run. The data employed in this analysis have been an unbalanced panel composed of a sample of 1017 MFIs for the 2008–2018 period and

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Sakhbieva, Amina I., Bella Z. Karmova, and Harun Zh Temukuev. "MONETARY POLICY OF CENTRAL BANKS: EFFICIENCY IN CONDITIONS OF ECONOMIC CRISES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/2, no. 156 (2025): 58–65. https://doi.org/10.36871/ek.up.p.r.2025.03.02.007.

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The article analyzes the effectiveness of the monetary policy of central banks in the context of economic crises. The key functions of central banks, the features of their activities in the context of instability in the financial markets are considered. Particular attention is paid to the analysis of the methods and tools used by central banks to stabilize the economy during periods of crisis, such as changing interest rates, quantitative easing and lending programs. Based on the analysis of historical examples, the impact of these measures on the economy in the short and long term is studied.

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14

Getugi, Joyce Chepkoech, Cliff Osoro, and Allan Kihara. "Digital Lending and Technical Efficiency of Commercial Banks in Kenya." International Journal of Finance 8, no. 3 (2023): 38–56. http://dx.doi.org/10.47941/ijf.1321.

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Purpose: The financial sector is being revolutionized as a direct result of technological progress, with banks and other financial institutions embracing new technologies to better serve their customers online. Technological developments in the financial sector are simplifying access to financial services. The study set out to dissect the effects of Fintech on Kenya's commercial banking sector. The general objective was to establish the effect of digital lending on technical efficiency of commercial banks in Kenya. The study was anchored on Theory of Financial Intermediation. Methodology

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Levandivskyi, Omelian, Yurii Chernevyі, Ivan Balaniuk, and Ivan Svynous. "BANK LENDING IN THE ACCOUNTING POLICY OF LAND USERS OF THE AGRICULTURAL SECTOR OF THE ECONOMY OF UKRAINE." INNOVATIVE ECONOMY, no. 1 (2022): 5–11. http://dx.doi.org/10.37332/2309-1533.2022.1.1.

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Purpose. The aim of the article is to study the features and state of bank lending to land users in the agricultural sector, as well as prospects for its further development. Methodology of research. The methodological basis of the study were regulations, works of domestic and foreign scholars on bank lending and state support of land users in the agricultural sector of Ukraine. The following methods were system-structural, abstract and logical (for theoretical generalizations of the results of analytical calculations and formulation of conclusions), analysis and synthesis (to detail the objec

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16

Yemelyanov, Olexandr, Tetyana Petrushka, Anastasiya Symak, et al. "Microcredits for Sustainable Development of Small Ukrainian Enterprises: Efficiency, Accessibility, and Government Contribution." Sustainability 12, no. 15 (2020): 6184. http://dx.doi.org/10.3390/su12156184.

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The purpose of the study was to assess the efficiency and accessibility of microcredits for small Ukrainian enterprises and to justify the feasibility of strengthening government contributions in lending to ensure the sustainable development of small businesses. Indicators for evaluating the efficiency and accessibility of microcredits are systematized. Methodological approaches to assessing the efficiency of lending for the creation and development of microenterprises have been improved. A model for evaluating the efficiency of microcredits aimed at the survival of microenterprises in a deter

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17

Akpan, Sunday, Comfort Essien, Veronica S. Nkanta, and İni-mfon Patrick. "The Impact of Credit Policy Environment on Poultry Production in Nigeria." Muş Alparslan University Journal of Agriculture and Nature 4, no. 1 (2024): 30–41. http://dx.doi.org/10.59359/maujan.1402657.

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The research gave empirical data on the correlation between poultry production index and the credit policy environment in Nigeria. An autoregressive distributed lag (ARDL) bound test approach was employed to establish co-integration between series. The estimated long and short-run models parameters demonstrated stability, best quality, efficiency, and unbiased. The findings showed that in the long run, the commercial bank loan to the agricultural sector and domestic credit to the private sector had a significant positive influence on poultry production index while agricultural credit guarantee

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Enebeli-Uzor, Sunday, and Adam Mukhtar. "Monetary Policy, Digitalisation and Banking Industry Performance in Nigeria." Journal of Scientific Research and Reports 30, no. 6 (2024): 459–68. http://dx.doi.org/10.9734/jsrr/2024/v30i62062.

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In the evolving financial landscape of Nigeria, the interplay between monetary policy and digitalization significantly influences the performance metrics of banks. This study explores the multifaceted impact of these two critical factors on the Nigerian banking sector. Monetary policy, orchestrated by the Central Bank of Nigeria, regulates the economy's money supply, affecting banks' lending behaviors and liquidity. Digitalization, on the other hand, offers a transformative potential for banks to enhance operational efficiency, customer experience, and service delivery through technological ad

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Marchenko, Olha V., Olha S. Petrykiva, and Kateryna O. Korobko. "Minimizing Credit Risk and Improving the Quality of the Bank’s Loan Portfolio." Business Inform 11, no. 538 (2022): 205–10. http://dx.doi.org/10.32983/2222-4459-2022-11-205-210.

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The article considers the main factors that form credit risk and determines the role of credit risk in the process of formation of the credit portfolio of a commercial bank. It is determined that bank lending involves the functioning of a complex mechanism that includes certain actions aimed at attracting cheap funds and their use in accordance with the terms of the established lending policy, taking into account the minimum risk and maximum profit. As you know, the main source of income of banks is the profit from lending. In this regard, the main problem facing the bank’s management today is

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20

Vuong, Quoc Duy. "THE ROLE OF LEADER IN GROUP REPAYMENT AT CA MAU SOCIAL POLICY BANK OF VIETNAM." Financial and credit activity problems of theory and practice 2, no. 61 (2025): 585–96. https://doi.org/10.55643/fcaptp.2.61.2025.4589.

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This study examines the influence of group leaders on repayment performance in the context of group lending at the Vietnamese Social Policy Bank in Ca Mau province. The article reviews borrowers and reveals the influence of group leaders on the efficiency of debt repayment. Ways to increase the efficiency of lending in the region are proposed. Data were gathered from 105 participants through a multistage random sampling method involving borrowers and group leaders from a specific area. In addition to descriptive statistics, the research employs multinomial logit regression analysis to assess g

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Andros, Svitlana. "Bank Lending as an Effective Way to Solving the Problem of Economic Development of Agricultural Enterprises." Economic journal Odessa polytechnic university 1, no. 27 (2024): 5–17. http://dx.doi.org/10.15276/ej.01.2024.1.

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The relevance of the topic of the article is determined by the need to improve bank lending as an effective way to solve the problem of economic development of agricultural enterprises. The reasons behind the difficulty of lending to small agricultural enterprises have been identified. The general factors constraining lending to agricultural enterprises are examined. The analysis of the factors ensuring the formation of the credit services market was based on the assumption of the need for a balanced presence of conditions on the part of supply and demand factors. The reasons for the low effec

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Andros, Svitlana. "Bank Lending as an Effective Way to Solving the Problem of Economic Development of Agricultural Enterprises." Economic journal Odessa polytechnic university 1, no. 27 (2024): 5–17. https://doi.org/10.5281/zenodo.11081236.

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The relevance of the topic of the article is determined by the need to improve bank lending as an effective way to solve the problem of economic development of agricultural enterprises. The reasons behind the difficulty of lending to small agricultural enterprises have been identified. The general factors constraining lending to agricultural enterprises are examined. The analysis of the factors ensuring the formation of the credit services market was based on the assumption of the need for a balanced presence of conditions on the part of supply and demand factors. The reasons for the low effec

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Akpan, Sunday, Veronica Nkanta, and Edet Udoh. "Agricultural Credit Policy and Livestock Development in Nigeria." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 23, no. 3 (2023): 45–60. http://dx.doi.org/10.22630/prs.2023.23.3.11.

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This research aimed to provide empirical information on the relationship between the livestock production index and the credit policy environment in Nigeria. Time series data were used, and an autoregressive distributed lag (ARDL) bound test approach was adopted to establish the presence of co-integration among series. The estimated long and short run models showed stability, best quality, efficiency and unbiased. The findings showed that in the long run, total credit to the agricultural sector from commercial banks and domestic credit to the private sector both had significant positive influe

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KLYMENKO, Kateryna, Maksym SAVOSTIANENKO, and Gennadii PETRUSEVYCH. "Modern typologization of IFIs financial and credit cooperation instruments." Naukovi pratsi NDFI 2022, no. 1 (2022): 83–103. http://dx.doi.org/10.33763/npndfi2022.01.083.

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The authors substantiated the theoretical and practical aspects of the typology of financial instruments of international financial organizations, which play a key role in the system of international economic relations and global governance, and are also an integral part of the world economy.The paper analyzes certain aspects and patterns of use of financial instruments of MFIs, identifies the determinants and socio-economic consequences of implementation for the country. The article explores the features and essential characteristics of the financial instruments of MFIs on the example of the

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Hrapovic, Kenan. "Short selling and securities lending/borrowing." Ekonomski anali 56, no. 189 (2011): 117–30. http://dx.doi.org/10.2298/eka1189117h.

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This article analyzes the effectiveness of the short selling ban, and questions it with critiques from comparative empirical data. Authors have argued that the ban on short selling hit trading volumes but did not necessarily reduce market volatility. Today market regulators are seeking to rebuild a short selling policy that allows covered short selling while reducing the risk of market abuse. The reinforced framework must include rules and regulations that increase market efficiency, enhance the visibility of short selling to regulators and to investors, improve regulators? responsiveness to m

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Phuong Anh, Duong Thi. "Factors Affecting the Efficiency of Concessional Loans at Environment Protection Funds in Vietnam." International Journal of Advanced Engineering and Management Research 07, no. 03 (2022): 01–19. http://dx.doi.org/10.51505/ijaemr.2022.7301.

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This study uses survey data of 427 officials working at 22 central and local environment protection funds in Vietnam that are implementing concessional lending activities. Data analysis was performed using SPSS 22.0 software and the application of Structural Equation Modeling (SEM) analysis in AMOS 22. The results showed that the factors: Policy mechanism, human resource quality, credit risk management and local support are factors that positively and positively affect the effectiveness of preferential loans for environment protection projects and the management capacity of project owners.

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Shpak, A. P., V. V. Chabatul, A. N. Rusakovich, I. A. Tretiakowa, and O. A. Azarenko. "Investment and innovation mechanism in the system of economic regulation of agroindustrial production." Agrarian Economics, no. 6 (June 30, 2022): 15–31. http://dx.doi.org/10.29235/1818-9806-2022-6-15-31.

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The essence of the state investment policy in the agroindustrial complex is shown. The indicators of investment of fixed capital, its availability, movement and condition in agricultural organizations of Belarus, including by regions, are analysed. Proposals are given to improve the mechanisms for investment, lending and import substitution in the agricultural sector, aimed at improving the efficiency and sustainability of domestic agroindustrial production.

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S, Sathyanarayana. "The Unified Lending Interface - Innovations in Lending: Conceptual Insights into the Future of Financial Services." International Journal of Business and Management Invention 13, no. 9 (2024): 35–48. http://dx.doi.org/10.35629/8028-13093548.

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This study investigates the role of Unified Lending Interfaces (ULIs) in modernising credit assessment and expanding financial inclusion. ULIs integrate diverse data sources and advanced technologies, including machine learning and alternative data, to enhance the accuracy and efficiency of credit evaluations. The aim is to explore how ULIs are transforming the lending landscape, particularly in underserved and emerging markets, and to provide insights into their future development and policy implications. Furthermore, the study examines the impact of Unified Lending Interfaces (ULIs) compared

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Идрисли, П. Г. "Evaluation of the effectiveness of the lending mechanism criteria." Экономика и предпринимательство, no. 6(143) (October 31, 2022): 1250–52. http://dx.doi.org/10.34925/eip.2022.143.6.231.

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Эффективность механизма кредитования в кредитной политике определяет результативность процесса финансирования кредитными ресурсами, роль кредита в развитии экономических субъектов. Эффективность механизма кредитования обуславливает формирование способности удовлетворить основательную потребность заемщика в дополнительных средствах в соответствии с принципами оплаты и платежа. Все это в механизме кредитования требует учета критериев оценки эффективности использования кредитных ресурсов. Эффективность использования кредитов в тоже время отражает ситуацию с возможностью использования потенциальны

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Muhammad, Fidlizan, Asmak Ab Rahman, and Ahmad Azam Sulaiman. "The roles of domestic and foreign Islamic banks in Malaysian monetary transmission." International Journal of Islamic and Middle Eastern Finance and Management 7, no. 2 (2014): 161–69. http://dx.doi.org/10.1108/imefm-11-2011-0084.

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Purpose – The aim of this paper is to empirically test the presence of the bank lending channel for the Islamic banking system in Malaysia. Design/methodology/approach – Distributional effects from monetary policy changes were analyzed by three bank characteristics such as size, liquidity and capital. Using the econometric model by Kashyap and Stein (1995), the implementation of a policy contraction leads to reduction in loan supply because some banks may not able to offset a reduction in deposits. The paper explores the response shown between domestic and foreign Islamic banks in Malaysia usi

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Hameed, Dr Abdul Aziz Shwaish Abdul. "Quantitative Easing and Monetary Policy Legitimate Perspective." Webology 19, no. 1 (2022): 3070–88. http://dx.doi.org/10.14704/web/v19i1/web19203.

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Many economists, monetary policy makers and bankers view interest rates as an efficient tool for allocating funds, evaluating the efficiency of projects, and measuring financing costs, and that they are the main indicator of many economic variables and phenomena. Other variables, and enables those authorities to implement the monetary policy desired by them. This has led to an important fact, which is that interest rates have lost their effectiveness as a tool for resource allocation or as an influence on economic, credit and monetary policies, and then central banks resorted to new and unconv

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Kerimkulova, Dinara, Minara Nazekova, Aizada Sovetbekova, Oleksii Muravskyi, and Galyna Krasovska. "Assessment of the impact of bank lending on business entities’ performance using structural equation modeling." Banks and Bank Systems 16, no. 2 (2021): 68–77. http://dx.doi.org/10.21511/bbs.16(2).2021.07.

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The paper aims to assess the influence of bank lending on the performance of enterprises in the real sector. The relevance of the study for different countries, including Kazakhstan, Kyrgyzstan and Ukraine, is shown. Structural equation modeling of the impact of bank lending on the performance of enterprises in the real sector is carried out using Ukraine as an example. Six key indicators of real sector enterprises’ performance for the period of 2007–2019 were selected as an information basis of the study. To assess the abovementioned impact, structural equation modeling was used, i.e., the St

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Koloskova, N. V., and O. A. Chistyakova. "An analysis of the commercial banks' credit policy implemented in regional financial markets." Finance and Credit 26, no. 9 (2020): 2005–28. http://dx.doi.org/10.24891/fc.26.9.2005.

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Subject. This article deals with the issues of optimal credit policy of commercial banks in light of the current situation in the Russian regions' financial market and the balance between it and the State monetary policy. Objectives. The article seeks to justify integrated approaches to the formation of banks' effective credit policy in the corporate segment of the regional financial market to supply the gaps in the scholarly literature. Methods. For the study, we used the methods of systems, business, and statistical analyses, classification, comparison, and the method of expert assessment. T

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Kaur, Sarbjit, and Balwinder Singh. "Determinants of Financial Performance: An Evidence from Primary Cooperative Agriculture Developments Banks of Punjab." International Journal of Banking, Risk and Insurance 12, no. 2 (2024): 74–83. http://dx.doi.org/10.21863/ijbri/2024.12.2.006.

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This research investigates the determinants of financial performance in Primary Cooperative Agriculture Development Banks operating in Punjab, India. By analysing the impact of Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity on Return on Assets (ROA), the study aims to offer insights into enhancing financial health and regional economic growth. Using a panel regression model, financial data from multiple periods and banks are analysed. Key findings indicate that maintaining adequate capital positively influences ROA, while prudent lending practices are crucial f

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Гюльмагомедова, Г. А. "Transmission mechanism of monetary policy." Экономика и предпринимательство, no. 8(133) (November 16, 2021): 310–13. http://dx.doi.org/10.34925/eip.2021.133.8.057.

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В статье рассматривается сущность и необходимость трансмиссионного механизма при реализации денежно-кредитной политики. В данной научной работе определены основные этапы функционирования и каналы трансмиссионного механизма. В статье изучена сущность и роль каналов трансмиссионного механизма, рассмотрена динамика ключевой ставки Банка России за последние годы и взаимосвязь размера ключевой ставки с кредитованием субъектов экономики, а также выявлены основные ограничения и мероприятия, направленные на повышение работоспособности трансмиссионного механизма денежно-кредитной политики. The article

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Karpova, T. S. "BANK’S CREDIT POLICY IN CONDITIONS OF DIGITAL TECHNOLOGIES." Herald of Kiev Institute of Business and Technology 40, no. 2 (2019): 16–21. http://dx.doi.org/10.37203/kibit.2019.40.04.

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   The article defines the essence and role of credit policy, substantiates the need for its improvement in current conditions. The basic principles and functions of credit policy are given. It is concluded that the basis of credit policy should be the main principles: reliability and profitability of funds and the principles of rational lending. The goals of credit policy and directions of its implementation are determined. The share of credit operations in the general structure of assets of domestic banks is estimated. It is noted that commercial banks' credit policy is an

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Toci, Valentin, and Iraj Hashi. "Intermediation Efficiency of Banks in South-East Europe." International Journal of Finance & Banking Studies (2147-4486) 2, no. 3 (2013): 1–20. http://dx.doi.org/10.20525/ijfbs.v2i3.151.

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By employing non-parametric methods, namely Data Envelopment Analysis and Malmquist Index, this paper investigates efficiency of banks using a database of almost all banks in four countries in South-East Europe. The superior efficiency of foreignowned banks in intermediation is supported. It is argued that the improvement in efficiency of banks originated from the change in technology rather than scale and technical efficiency, and banks on average have not been able to catch-up with best-performers, thus widening the efficiency gap. The largest sources of inefficiency are found to be cost and

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АЛИКАЕВА, Мадина, Madina ALIKAEVA, Матвей Оборин, Matvey Oborin, Астемир ШИНАХОВ, and Astemir SHINAKHOV. "CREDIT POLICY AS A TOOL OF THE COMMERCIAL BANK." Services in Russia and abroad 11, no. 6 (2017): 152–67. http://dx.doi.org/10.22412/1995-042x-11-6-12.

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Banking sector plays an important role in the economic sustainable development. In the context of the financial crisis and the introduction of new international standards, in accordance with the "Basel III" agreement, the requirements of Central Bank of the Russian Federation to it have increased. Credit policy is an important tool that reflects the efficiency of a commercial bank in the context of risk and credit optimization. It performs the following functions: setting goal and tasks, information support, etc. All this actualizes the issues of research and the forming an optimal credit poli

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Makarov, O., and S. Arzhevitin. "COORDINATION OF MONETARY AND FISCAL POLICIES DURING CRISIS." Financial and credit activity problems of theory and practice 6, no. 41 (2022): 17–31. http://dx.doi.org/10.18371/fcaptp.v6i41.251384.

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Abstract. The global crisis of 2020, caused by the spread of the COVID-19 coronavirus disease, has led to decline of the Ukrainian economy and contraction in the welfare of society. To overcome the effects of the crisis, the monetary and fiscal authorities have provided strong incentives, primarily to support the most vulnerable social groups and businesses most affected by quarantine restrictions, as well as to facilitate the financial stability of the banking sector. In conditions of limited government resources, to minimizing the negative effects of the crisis requires the highest efficienc

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Mburu, Irene Muthoni, Lucy Wamugo Mwangi, and Stephen M. A. Muathe. "Credit Management Practices and Loan Performance: Empirical Evidence from Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 1 (2020): 51–63. http://dx.doi.org/10.35942/ijcfa.v2i1.105.

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Commercial banks in Kenya as per the World Bank report were recording higher non-performance in loans over the study period than the standard globally in spite of Kenya having the most stable and developed banking system in East and Central Africa region. Commercial banks non-performing loans for five years from 2015 to 2018 averaged eleven percent which was higher than the recommended rate of one percent. In Kenya, commercial banks’ non-performing loans remain higher than the recommended rate which could be due to inadequate credit management practices. The study therefore aimed at examining

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Shushkova, Yuliia V., and Yevheniya I. Parfenyuk. "Peculiarities of Bank Lending and Means of Stabilizing Business Financial Support in Ukraine During the War." Business Inform 9, no. 548 (2023): 213–21. http://dx.doi.org/10.32983/2222-4459-2023-9-213-221.

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The article emphasizes the urgency of forming and implementing a public policy for the development of bank lending, as well as improving the financial support of domestic business in wartime conditions. The purpose of the study is to conduct an analysis of the state of bank lending and determine the directions and means of stabilizing the financial support of business in Ukraine in wartime conditions. It is shown that the full-scale war caused significant negative consequences for Ukrainian business, destabilizing both the production and consumption of goods and services, exposing the resource

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Saiti, Dashmir, Gjorgji Gockov, and Borce Trenovski. "How Monetary Policy Affects the Lending and Economic Activity in a Banking System with Excess Liquidity." Economics and Culture 18, no. 2 (2021): 51–60. http://dx.doi.org/10.2478/jec-2021-0014.

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Abstract Research purpose. The purpose of this paper is to examine the efficiency of the transmission mechanism of the monetary policy in a banking system with excess liquidity. More specifically, it aims to examine how the interest rates of the central bank bills and inflation rate affect total lending and the overall economic activity in the country. For this purpose, the analysis is based on the case of the Republic of North Macedonia, whose banking system has exhibited excess liquidity in the past decade. Design / Methodology / Approach. The paper is based on two different VECM models, ana

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Researcher. "SYNERGIZING BLOCKCHAIN AND TRADITIONAL FINANCE: DESIGNING HYBRID INFRASTRUCTURES FOR CRYPTO LENDING IN UNDERSERVED MARKETS." International Journal of Information Technology and Management Information Systems (IJITMIS) 15, no. 1 (2024): 1–10. https://doi.org/10.5281/zenodo.12577826.

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This white paper provides a detailed framework for stakeholders interested in bridging the gap between cutting-edge blockchain technology and traditional financial systems to enhance financial inclusivity. Aimed at financial institutions, technology developers, and policy makers, the document outlines a strategy for integrating secure, scalable, and accessible crypto lending platforms within existing payment infrastructures, particularly in underserved regions. Readers can expect to gain insights into the creation of a hybrid infrastructure that leverages the transparency and efficiency of blo

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et al., Yilmaz. "The impact of interest rate corridor on monetary policy efficiency: VEC Granger causality evidence from the central bank of the Republic of Turkey." International Journal of ADVANCED AND APPLIED SCIENCES 8, no. 9 (2021): 75–78. http://dx.doi.org/10.21833/ijaas.2021.09.010.

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This paper aimed to analyze the impacts of interest rate corridor policy on monetary efficiency in Turkey, applying the Error Correction Model and VEC Granger causality. The data set consisted of 108 observations for each time series from May 2010 to December 2019. The Granger causality test results indicated a significant impact of the borrowing rate on the inflation rate. Response function revealed that a change in the borrowing interest rate affected the opposite way in the inflation rate with a 3-month lag. An increase in the lending rate caused an increase in the BIST 100 index value. It

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Rigzin, Tenzin, Tsering Wangdui, and Tsangyang Namgyal. "Credit Rating Model Based on Deep Learning." International Journal of Advanced Engineering Research and Science 11, no. 12 (2024): 105–9. https://doi.org/10.22161/ijaers.1112.13.

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Credit ratings are essential for distinguishing borrowers’ risk profiles and guiding lending decisions, yet mismatches between ratings and default risks persist, particularly for high-rated borrowers. This study proposes a Gated Recurrent Unit (GRU) model to address this by modeling sequential credit metrics for accurate rating assignments. Using data from 2,157 small and medium enterprise (SME) loans and 2,044 farmer loans (2018–2022), the GRU processes time-series indicators like payment history and debt ratios to classify borrowers into five rating tiers (AAA to B). Principal component anal

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Tomashuk, Inna, and Iryna Tomashuk. "THEORETICAL AND ORGANIZATIONAL ASPECTS OF THE MECHANISM OF LENDING TO AGRICULTURAL ENTERPRISES." Economic discourse, no. 3-4 (December 30, 2021): 64–78. http://dx.doi.org/10.36742/2410-0919-2021-2-7.

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Introduction. Bank lending to farmers remain one of the most important issues that need in-depth research and improvement, as the problem of lack of working capital and relatively low efficiency of production and economic activities of agricultural enterprises is only exacerbated. An effective system of bank lending is able to solve this problem. Methods. In the process of research a number of methods were used: abstract and logical - to determine the essence of the concept, structure and elemental composition of the credit mechanism of agriculture; methods of comparative analysis and synthesi

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Nickerson, David. "Credit Risk, Regulatory Costs and Lending Discrimination in Efficient Residential Mortgage Markets." Journal of Risk and Financial Management 15, no. 5 (2022): 197. http://dx.doi.org/10.3390/jrfm15050197.

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Significant differences in loan terms between demographically distinct groups of borrowers in the United States are often interpreted as evidence of systematic ethnic, racial or gender discrimination by lenders. The appearance and interpretation of such discrimination has long been a controversial issue in public policy and has significant implications for both the economic efficiency and equity of credit markets. Arising from concern for borrowers disadvantaged by such discrimination, the design and implementation of regulations preventing the disparate treatment of demographically distinct g

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Kuzmina, Alyona Aleksandrovna, Vladislava Igorevna Drobizova, Evgeniya Olegovna Tkacheva, Afzalbek Alkhamdullo ugli Pirkhanov, and Natalya Anatolyevna Larikova. "THE CURRENT STATE OF THE RUSSIAN FEDERATION'S BANK LENDING MARKET." Scientific Review: Theory and Practice 14, no. 10 (2024): 1905–11. https://doi.org/10.35679/2226-0226-2024-14-10-1905-1911.

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The article analyzes the current state of the Russian Federation's bank lending market and identifies key features of its development in the context of digitalization and macroeconomic changes. The analysis considers the main factors influencing the credit policy of banks, including the dynamics of household incomes, the inflation rate and changes in the key interest rate, which has a critical impact on the availability of credit products. The theoretical basis of the research consists of the works of Russian scientists related to the issue of bank lending. For practical analysis, information

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Dobi-Rózsa, Anikó, and Adrian Balaci. "Demand Side Limitations of Financing Household Energy Efficiency Investments : A Regional approach." Economy & finance 10, no. 4 (2023): 340–68. http://dx.doi.org/10.33908/ef.2023.4.3.

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The building sector represents 40% of the total energy use in the European Union. Without exploiting the energy efficiency potential of the sector, neither the Paris Agreement nor the related commitments of the European Union can be achieved. This paper takes a comparative regional approach, differentiating between Northern, Western and Central-Eastern Europe and aims to study the drivers for and barriers to residential energy efficiency investments based on the various demand side indicators related to the housing stock and financial capacity of households. This study finds that financing cha

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Polozkov, Mikhail G., and Nguyen Thanh Lan. "LENDING TO RUSSIAN-VIETNAMESE INVESTMENT PROJECTS UNDER SANCTIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/3, no. 131 (2022): 203–12. http://dx.doi.org/10.36871/ek.up.p.r.2022.11.03.025.

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The article provides an overview of modern investment projects concluded between Russia and Vietnam. The article includes analytics of up-to-date data on lending to Russian-Vietnamese investment projects. It is noted that the investment cooperation of the countries under consideration is characterized by increasing dynamics. The main share of investment projects is concentrated in industry. It is indicated that despite the coronavirus pandemic, the sanctions package, cooperation between Russia and Vietnam in the field of investment is growing. It has been established that, mainly, credit lines

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