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Journal articles on the topic 'Employees' deposits'
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1
Jones, Jeffrey Scott. "The impact of employer-delayed deposits on plan participant wealth." Managerial Finance 42, no. 12 (December 5, 2016): 1171–79. http://dx.doi.org/10.1108/mf-02-2016-0052.
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Purpose The purpose of this paper is to examine the impact of employer-delayed deposits to defined contribution plans on plan participant wealth. The history of regulatory oversight on the obligations of employers to remit deposits to defined contribution plans on behalf of employees is discussed. In light of these regulations, the paper discusses and examines situations in which employers may legally delay the deposit of employee contributions to a defined contribution plan and how the existence of various calendar anomalies may impact the returns of plan participants. Design/methodology/approach Simulated equity portfolios over the period 1985-2014 are created to determine the economic significance of possible delays in plan deposits on the accumulated wealth of plan participants. Findings The findings suggest that in situations where employees are paid monthly at the end of the month, it is always to their benefit to have their funds deposited as soon as possible. However, for employees paid weekly at the end of the week, a slight delay (one to three days) in the deposit of funds by the employer may actually be beneficial for the employee, particularly if the employee invests heavily in small and mid-cap stocks. Originality/value This is the first paper to explicitly study the impact of an employer’s timing of deposits to a defined contribution plan on the accumulated wealth of plan participants, and is thus the primary contribution of the paper.
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Dasgupta, Sudipto, Yupeng Lin, Takeshi Yamada, and Zilong Zhang. "Employee Inside Debt and Firm Risk-Taking: Evidence from Employee Deposit Programs in Japan." Review of Corporate Finance Studies 8, no. 2 (June 21, 2019): 302–47. http://dx.doi.org/10.1093/rcfs/cfz003.
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Abstract Unlike broad-based equity ownership by employees, ownership of company debt by rank-and-file employees has not received much attention. We argue that company debt held by employees in the form of in-company deposits can monitor risk-taking and facilitate risk discovery. Employee deposits have been historically widely used in Japan. For a sample of 2,104 Japanese firms, using an identification strategy that utilizes a new law in 2003 that changed the priority of employee deposits in bankruptcy and led to large-scale withdrawals of employee deposits, we find that employee deposits mitigate firms’ risk-taking behavior and reduce the agency cost of debt. Received November 2, 2018; editorial decision May 1, 2019 by Editor Andrew Ellul. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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Hamdan, Mohammad, Marie Bany Khaled, and Sakhr Bany Khaled. "Employee Benefits Accounting, Its Impact on the Market Share Price, the Volume of Credit Facilities and Deposits." International Journal of Economics and Finance 10, no. 1 (December 4, 2017): 23. http://dx.doi.org/10.5539/ijef.v10n1p23.
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This study aims to examine the impact of employee benefitsaccounting (direct and indirect compensation) on (market price, volume of credit facilities and volume of deposits). The study community is represented by commercialbanks listed on the Amman Stock Exchange (ASE), all the continuous banks whose financial data were available during the study period (2007-2015) were selected represented in (13) banks. In order to realize the objectives of the study, the study was based on qualitative data and analytical descriptive method (Panel Data), (E-Views) economic statistics software was used to test hypotheses. The results of the study showed that there is a statisticallysignificant impact on both typesof employees compensations as a whole (direct and indirect) on the market share price, the volume of credit facilities and the volume of deposits. While the results of the study confirmed that the indirect compensation has not got an impact on the volume of customer deposits when it is measured separately. Finally, the study recommended the need to apply good systems that take into account the interest of both the employers and employees for the positive impact on the market share price, the volume of credit facilities and the volume of deposits.
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Rohaedi, Rosalia Alima Utami. "Tanggung Jawab Bank terhadap Simpanan Deposito Berjangka yang Tidak Tercatat dihubungkan dengan Perlindungan Hukum Nasabah menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan." Jurnal Riset Ilmu Hukum 1, no. 1 (October 26, 2021): 44–51. http://dx.doi.org/10.29313/jrih.v1i1.179.
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Abstract. Banking institutions have a role as supporting the economic life of a country and improve the living standards of the people and has the function of a financial intermediary (financial intermediary), which serves to raise and distribute funds to the community. Law No. 10 of 1998 on Banking there is a discussion about responsibility and legal protection of customers for deposits for the actions of bank employees. In raising these funds, customer trust Mega-Banks to deposit funds in the form of transaction deposits. In practice, YA as employees of a Mega Bank did not record such transactions to the banking system officially. As a result the customer can not dilute the deposit slip. Based on this, the problem in this research is formulated as follows: (1) How is the responsibility of the bank to the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking? (2) How legal protection for the customers of the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking?. Researchers using the method of approach used in this research is normative juridical, namely the methods of researching and studying the material-primary legal materials and secondary legal materials. As well as a descriptive analysis, which describes the laws and regulations that apply associated with the theories of law in the implementation of practices on the issue under study. The results of this study (1) the responsibility of the bank on transactions deposits time deposits which are not recorded that according to article 1365 of the civil Code, namely the employees of the bank have committed acts against the law and is obliged to replace the loss amounted to a loss of the customer arising out of his guilt. (2) The legal protection that can be received by the customer of the bank in terms of transaction deposits time deposits which are not recorded in the banking system is authorized by the employee of Bank Mega. Then the customer is entitled to get legal protection directly regulated in Article 29 paragraph (3) of the Banking Act that the bank is obliged to travel a ways that are not detrimental to the bank and the interests of the clients who entrust their funds to the bank. As well as the protection is not directly according to Article 29, paragraph 2 of Law No. 10 of 1998 on Banking which gives legal protection to depositors in the form of the implementation of the principle of prudence, as well as financial institutions are required to keep the security deposit.
Abstrak. Lembaga perbankan mempunyai peran sebagai menunjang kehidupan ekonomi suatu negara serta meningkatkan taraf hidup masyarakat dan mempunyai fungsi financial intermediary (lembaga perantara keuangan) yang berfungsi menghimpun dan menyalurkan dana kepada masyarakat. Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan terdapat pembahasan tentang tanggung jawab serta perlindungan hukum nasabah mengenai simpanan atas tindakan pegawai bank. Dalam melakukan penghimpunan dana tersebut, nasabah mempercayai Bank Mega untuk menyimpan dana dalam bentuk transaksi deposito berjangka. Pada praktiknya, YA selaku pegawai Bank Mega tidak melakukan pencatatan transaksi tersebut kepada sistem perbankan secara resmi. Akibatnya nasabah tidak dapat mencairkan bilyet deposito. Berdasarkan hal tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut: (1) Bagaimana tanggung jawab bank terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan? (2) Bagaimana perlindungan hukum bagi nasabah terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan?. Peneliti menggunakan metode pendekatan yang digunakan dalam penelitian ini adalah yuridis normative, yaitu metode yang meneliti dan mempelajari bahan-bahan hukum primer dan bahan hukum sekunder. Serta deskriptif analisis, yaitu menggambarkan peraturan perundang-undangan yang berlaku yang dikaitkan dengan teori-teori hukum dalam pelaksanaan praktik pada masalah yang diteliti. Hasil dari penelitian ini (1) Tanggung jawab bank atas transaksi simpanan deposito berjangka yang tidak tercatat yaitu menurut pasal 1365 KUHPerdata yaitu pegawai bank tersebut telah melakukan perbuatan melawan hukum dan wajib untuk mengganti kerugian sebesar kerugian nasabah yang timbul dari kesalahannya. (2) Perlindungan hukum yang dapat diterima nasabah bank dalam hal transaksi simpanan deposito berjangka yang tidak tercatat dalam sistem perbankan secara resmi oleh pegawai Bank Mega. Maka nasabah berhak mendapatkan perlindungan hukum langsung yang diatur pada Pasal 29 ayat (3) Undang-Undang Perbankan bahwa bank wajib menempuh cara-cara yang tidak merugikan bank dan kepentingan nasabah yang mempercayakan dananya kepada bank. Serta pelindungan tidak langsung menurut Pasal 29 ayat 2 Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan yaitu memberikan perlindungan hukum pelaksanaan prinsip kehati-hatian, serta lembaga keuangan wajib menjaga keamanan simpanan.
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Yurmaini, Yurmaini, and Khairil Ashari. "Analisis Efektivitas Sistem Informasi Akuntansi Penggajian Karyawan Pada PT. Bank Pembiayaan Rakyat Al-Washliyah Medan." AT-TAWASSUTH: Jurnal Ekonomi Islam 4, no. 2 (August 9, 2019): 414. http://dx.doi.org/10.30829/ajei.v4i2.5858.
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<p>This reseach aims to determine the effectiveness of Payroll Accounting Information Systems Employees at PT. Bank Pembiayaan Rakyat Syariah Al-washliyah Medan. PT. Bank Pembiayaan Rakyat Syariah Alwashliyah Medan is a bank finance institution based on sharia principles that accept deposits in the form of time deposits, savings and channeling funds as BPR business. To obtain the necessary data the researcher uses descriptive method with qualitative analysis. The data source used is using primary and secondary data. While to collect data researchers using observation techniques, interviews and literature. The results of research conducted by researchers, the effectiveness of payroll accounting information systems employees at PT. Bank Pembiayaan Rakyat Syariah Alwashliyah Medan has not run effectively yet. This can be seen from the documents used in the company is the absence of payroll slips on payroll. Companies only apply amprah salary which is listed on amprah book salary. The absence of a paycheck makes the employee unaware of how much the salary is earned and how much deductions are charged to the employee each month, making it difficult for the finance department to make a payroll report and not applying the employee's memorial and income statement as a document for the remuneration of payroll Accounting is difficult to keep a payroll journal.</p>
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Yurmaini, Yurmaini, and Khairil Ashari. "Analisis Efektivitas Sistem Informasi Akuntansi Penggajian Karyawan Pada PT. Bank Pembiayaan Rakyat Al-Washliyah Medan." AT-TAWASSUTH: Jurnal Ekonomi Islam 4, no. 2 (August 9, 2019): 414. http://dx.doi.org/10.30821/ajei.v4i2.5858.
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<p>This reseach aims to determine the effectiveness of Payroll Accounting Information Systems Employees at PT. Bank Pembiayaan Rakyat Syariah Al-washliyah Medan. PT. Bank Pembiayaan Rakyat Syariah Alwashliyah Medan is a bank finance institution based on sharia principles that accept deposits in the form of time deposits, savings and channeling funds as BPR business. To obtain the necessary data the researcher uses descriptive method with qualitative analysis. The data source used is using primary and secondary data. While to collect data researchers using observation techniques, interviews and literature. The results of research conducted by researchers, the effectiveness of payroll accounting information systems employees at PT. Bank Pembiayaan Rakyat Syariah Alwashliyah Medan has not run effectively yet. This can be seen from the documents used in the company is the absence of payroll slips on payroll. Companies only apply amprah salary which is listed on amprah book salary. The absence of a paycheck makes the employee unaware of how much the salary is earned and how much deductions are charged to the employee each month, making it difficult for the finance department to make a payroll report and not applying the employee's memorial and income statement as a document for the remuneration of payroll Accounting is difficult to keep a payroll journal.</p>
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Morozan, Vladimir V. "Specifics of Service in the Archive of the St. Petersburg Office of the State Bank in the Early 20th Century." Herald of an archivist, no. 2 (2020): 478–92. http://dx.doi.org/10.28995/2073-0101-2020-2-478-492.
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The article discusses specific features of service in the archive of the deposits department of the St. Petersburg office of the State Bank in the early 20th century. The author reviews labor conditions and wages of archive employees. The documents storage in the deposit department was one of the largest of all such institutions in the extensive network of branches of the St. Petersburg office of the State Bank. Specific operational activities of the deposits department necessitated storing considerable volume of documents in their archive. Servicing a large clientele, who could deposit or withdraw capital at any date, required from archivists much effort no just to safeguard bank documents, but also to issue numerous account statements for various private and state institutions, as well as residents of the capital and its environs, whenever the deposit department employees demanded them. For timely provision of the necessary information on accounts to the bank officials, the archive employees listed information on each client, creating a unique database. Most painstaking was their work on compilation of the so-called “movable alphabet,” index of 1.5 million cards for all clients of the St. Petersburg office (by the end of 1917). Systematization of documents and maintaining of the archive also demanded much effort. Quite often the archive employees lacked time, and thus a significant amount of random unfilled documents accumulated over time. The article discusses ways to overcome these difficult situations, for instance, by outsourcing. The article provides some information on the archive officials, their wages, bank vacation/leave policies. It is noteworthy that in the days of World War I the archive began employing women, most often wives of bookbinders called for military service. The experiment was extremely successful. The State Bank highly appreciated their professional qualities and willingly hired women, when there was a vacancy.
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Harahap, Sofyan S., Muhammad Nur Nasution, and Ramlan Harahap. "KEPUASAN PELANGGAN PADA BANK ISLAM STUDI KASUS SUATU BANK ISLAM DI INDONESIA." Media Riset Bisnis & Manajemen 6, no. 2 (November 2, 2020): 183–212. http://dx.doi.org/10.25105/mrbm.v6i2.8145.
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"Even Egypt, Malaysia, Pakistan and other countries have established and experienced in Islamic bank earlier than of Indonesia, history and development of Islamic bank in Indonesia is unique and spectacular. Even Indonesia is the most populous Muslim country the first Islamic bank was established in 1992 under strong support of Presiden Soeharto. Then other two banks were established (Bank Syariah Mandiri in 1999 and Bank Syariah Mega Indonesia 2004. Bank Indonesia as the indonesia's central bank has opended the door to conventional bank to open their syariah unit Islamic banks among others: BRI, BNI, BII, Danamon, IFI, Permata, Bukopin, BTN, Niaga, bank DKI dan bank Jabar. Market share of Islamic bank in Indonesia in 2006 was 1,52 %. The paper stuies how An Islamic bank provide service and what the perception of customers on 7 dimensions of service quality: "voluntere, employee competence, security, retiability, emphaly, responsiveness and tangible. Using survey method and field study the study shows that satisfactory was in bank information, service employees, syariah implementation, emphaty and responsiveness. Customers put high expectation on implimentation of syariah, reliability, product variations e.g ATM, deposits, educational deposit, Islamic card, employee's knowledge on bank products, service and uniform.
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Biong, Harald, and Ragnhild Silkoset. "Buying CSR with employees’ pensions? The effect of social responsible investments on Norwegian SMEs’ choice of pension fund management." International Journal of Bank Marketing 35, no. 1 (February 6, 2017): 56–74. http://dx.doi.org/10.1108/ijbm-10-2015-0162.
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Purpose Employees often expect an emphasis on financial aspects to be predominant when their employers choose a fund management company for the investment of employees’ pension fund deposits. By contrast, in an attempt to appear as socially responsible company managers may emphasize social responsibility (SR) in pension fund choices. The purpose of this paper is to examine to what extent managers for small- and medium-sized companies emphasize SR vs expected returns when choosing investment managers for their employees’ pension funds. Design/methodology/approach A conjoint experiment among 276 Norwegian SMEs’ decision makers examines their trade-offs between social and financial goals in their choice of employees’ pension management. Furthermore, the study examines how the companies’ decision makers’ characteristics influence their pension fund management choices. Findings The findings show that the employers placed the greatest weight to suppliers providing funds adhering to socially responsible investment (SRI) practices, followed by the suppliers’ corporate brand credibility, the funds’ expected return, and the suppliers’ management fees. Second, employers with investment expertise emphasized expected returns and downplayed SR in their choice, whereas employers with stated CSR-strategies downplayed expected return and emphasized SR. Originality/value Choice of supplier to manage employees’ pension funds relates to a general discussion on whether companies should do well – maximizing value, or do good, – maximizing corporate SR. In this study, doing well means maximizing expected returns and minimizing costs of the pension investments, whereas doing good means emphasizing SRI in this choice. Unfortunately, the employees might pay a price for their companies’ ethicality as moral considerations may conflict with maximizing the employees’ pension fund value.
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Nuryadi and Intan Permatasari. "ANALYSIS OF REPORTING AND CALCULATION OF PPH 21 INCOME TAX REPORT ON PERMANENT EMPLOYEES PT. TASINDO JAYA UTAMA SURABAYA." International Journal of Global Accounting, Management, Education, and Entrepreneurship 2, no. 1 (November 30, 2021): 73–83. http://dx.doi.org/10.48024/ijgame2.v2i1.50.
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This study aims to describe whether the reporting and calculation of PT. Tasindo Jaya Utama is in compliance with the Income Tax Law No.36 of 2008. The data studied were the results of interviews from PT. Tasindo Jaya Utama is related to income tax. Data collection techniques used are: field research, documentation, observation, interviews. The method used is descriptive qualitative.
The data source used in this study is primary data. The result of this research is a comparison of the tax calculations from PT. Tasindo Jaya Utama with the author's calculations referring to the Law no. 36 of 2008, there is no difference in the income tax article payable and for tax deposits and reporting of PT. Tasindo uses Annual SPT and SSP, deposits and reports are made before the tax due date. PT. Tasindo Jaya Utama has made a deposit reporting and calculation in accordance with Law no. 36 of 2008.
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Rajeswari, M. "A Study of Customer Preferences of Recurring Deposits in Post Offices over Banks." Asian Social Science 13, no. 7 (June 23, 2017): 103. http://dx.doi.org/10.5539/ass.v13n7p103.
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The study aims to understand the recurring deposit scheme of post office & the allied services along with the customer satisfaction level towards recurring deposits. The study also paves way to identify the areas which require improvement. The critical success factors are also identified in the study. Comparative analysis of the recurring deposit in post office and banks will enable the post office employees to identify their key differentiating factors and also help them to retain and expand their base of the recurring deposit holders. Multiple choice questions have been chosen to collect the responses from 100 recurring deposit holders. Convenience sampling method is employed in the research work. The data collected is analyzed through various statistical tools like Karl Pearson’s Correlation and One-way Anova test. Suggestions given in the study will help the postal department to retain and attract new recurring deposit account holders.
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Scott, J. "Aantekeninge: Weer eens middellike aanspreeklikheid weens ’n werknemer se opsetlike optrede in eie belang – raak ons regspraktisyns én die howe in hierdie verband dalk oorywerig?" Tydskrif vir die Suid-Afrikaanse Reg 2022, no. 3 (2022): 496–514. http://dx.doi.org/10.47348/tsar/2022/i3a5.
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Over the last few years our courts have increasingly handed down judgments dealing with employers’ vicarious liability for delicts committed by their employees during so-called “frolics of their own”. In these judgments the standard requirements for vicarious liability were regularly confirmed, with the exception that the requirement that the delict should have been committed within the course and scope of the employee’s employment underwent major development. In the constitutional court judgment of K v Minister of Safety and Security handed down in 2005 the so-called “standard test” was transformed: the second tier of the test which is applied to establish a sufficiently close link between the employee’s delict and the business activities of the employer was developed from a purely factual test to one incorporating mixed questions of fact and law in which public policy in terms of the constitution plays a major role. Following this judgment our courts increasingly began giving favourable judgments to plaintiffs who had suffered harm flowing from the actions of employees deviating from their normal duties to pursue their own objectives, against their employers (so-called “deviation” cases). This tendency presented itself not only where such actions were instituted against the state in its capacity as employer, but also against private institutions such as a security company, as in the recent judgment of the supreme court of appeal in the case of Stallion Security (Pty) Ltd v Van Staden in 2020. In Oudehoutkloof Boerdery (Pty) Ltd v Venter ((1649/2018) 2021 ZAECGHC 85 (16 September 2021)) the salient facts were that the defendant was the sole proprietor of JLC Cruisers, a business selling restored Toyota vehicles. The defendant’s son was his only employee, with wide-ranging tasks such as marketing, bookkeeping and the general running of affairs. The plaintiffs had previously deposited certain amounts into JLC Cruiser’s bank account following oral agreements for the sale to them of certain vehicles. Thereafter the defendant’s son made unauthorised withdrawals from the bank and misappropriated all the deposited funds for his own use. Shortly before this became known, he committed suicide. The plaintiffs then successfully instituted a delictual claim against the defendant based on the latter’s vicarious liability for the actions of his employee son committed while the latter was on a “frolic of his own”. It is pointed out that the court failed to consider two fundamental requirements for vicarious liability, viz that the employee should have committed a delict against the plaintiffs and that an employeremployee relationship should have existed between the defendant and the perpetrator. It is argued that although the son definitely committed wrongful acts of misappropriation of funds against his father’s (the defendant’s) sole proprietorship, such acts were in fact not delicts committed against the plaintiffs, in particular due to the absence of the delictual elements of wrongfulness, harm and causation. Furthermore, some doubt is expressed regarding the court’s finding that the son had been an employee and not, for example, an independent contractor. Furthermore, based on the assumption that I may be mistaken regarding the former conclusions, the court’s finding that the son had acted within the course and scope of his employment is criticised. It is then suggested that the plaintiffs should simply have instituted a contractual remedy affording them restitution of their deposits. On the assumption that my analysis that there was no delictual basis of the plaintiffs’ actions is erroneous, the final question posed is whether the availability of contractual claims does not exclude delictual remedies in a case such as the present. On the authority of judgments such as Lillicrap, Wassenaar and Partners v Pilkington Brothers (SA) (Pty) Ltd, Trustees, Two Oceans Aquarium Trust v Kantey and Templer (Pty) Ltd and AB Ventures Ltd v Siemens Ltd the conclusion is drawn that the concurrence of contractual and Aquilian claims should result in the court’s rejection of the delictual claims. Finally, it is pointed out that an outcome such as that in the case under discussion could have a definite bearing in instances where someone in the defendant’s position had indemnity insurance cover. In such an instance the outcome would be advantageous to both the plaintiffs and the defendant: the latter’s damage would be covered, enabling him to restore the plaintiffs’ deposits. The only loser would be the defendant’s insurer. For this reason, this judgment should arouse the interest of South African insurance companies.
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Wahyu, Didin Rasyidin. "PENGARUH KUALITAS KREDIT YANG DIKLASIFIKASIKAN TIDAK PRODUKTIF SEKTOR KONSTRUKSI TERHADAP TINGKAT KESEHATAN KREDIT PADA BANK JABAR BANTEN CABANG BEKASI." Bussman Journal : Indonesian Journal of Business and Management 1, no. 2 (August 30, 2021): 165–74. http://dx.doi.org/10.53363/buss.v1i2.43.
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Banks as financial institutions whose activities include collecting funds from the public in the form of deposits such as savings , deposits , demand deposits and other forms of savings and channel them back to the community in order to improve the living standard of the people in the form of loans / credit . Bank may also be regarded as an institution that won the trust of the public , so the public trust must be maintained , then the bank must satisfy the clients as much as possible in carrying out its activities both in service , fund raising and distribution , financial information and other services in the field . Bank Jabar Banten as banking and business institutions as one of the fittings has a mission and local autonomy as a function of (a) Driving and driving the pace of development in the area , (b) Holders of Local Cash and / or implementing storage area is money, (c) One Local revenue sources . Based on the mission and functions carried the Bank Jabar Banten, in order to participate in promoting the pace of development continues, Bank Jabar Banten loans / credits to employers, employees, the propesi, and others
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Eniola, Olawunmi Elizabeth. "The Work-Home Border Accounting System: A Function of Psychological Detachment." International Journal of Human Resource Studies 12, no. 2 (May 16, 2022): 112. http://dx.doi.org/10.5296/ijhrs.v12i2.19867.
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COVID-19 transformed work arrangements by increasing the adoption of the work-from-home format. Work-from-home employees are susceptible to continuous job stressors and the permeability of the work-to-home border. Psychological detachment serves as the pathway to recovery from job stressors and for preventing the carryover of work thoughts into the home domain during non-work time. Therefore, this review presents theoretical and practical implications for work-to-home border management by integrating literature about psychological detachment and work-from-home. Work-home border accounting involves examining and minimizing conditions that inhibit psychological detachment, e.g., ICTs demand, overtime, telepressure, interruptions, etc., which are withdrawals from employees' energy or resource accounts, while facilitating psychological detachment through deposits which are non-work activities such as leisure, social support, exercises, etc. This article proposes the work-home border accounting system for managing the work-to-home border. The review suggests the resources employees accumulate through psychological detachment, e.g., wellbeing, life satisfaction, and work-life balance, and the deficits employees accrue if there is a shortfall of deposits required for psychological detachment, e.g., stress, low productivity, work-family conflict, etc. Hence, this article provides a coherent understanding of the processes necessary for psychological detachment during work-from-home.
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Eniola, Olawunmi Elizabeth. "The Work-Home Border Accounting System: A Function of Psychological Detachment." International Journal of Human Resource Studies 12, no. 2 (May 17, 2022): 112. http://dx.doi.org/10.5296/ijhrs.v12i2.19708.
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COVID-19 transformed work arrangements by increasing the adoption of the work-from-home format. Work-from-home employees are susceptible to continuous job stressors and the permeability of the work-to-home border. Psychological detachment serves as the pathway to recovery from job stressors and for preventing the carryover of work thoughts into the home domain during non-work time. Therefore, this review presents theoretical and practical implications for work-to-home border management by integrating literature about psychological detachment and work-from-home. Work-home border accounting involves examining and minimizing conditions that inhibit psychological detachment, e.g., ICTs demand, overtime, telepressure, interruptions, etc., which are withdrawals from employees' energy or resource accounts, while facilitating psychological detachment through deposits which are non-work activities such as leisure, social support, exercises, etc. This article proposes the work-home border accounting system for managing the work-to-home border. The review suggests the resources employees accumulate through psychological detachment, e.g., wellbeing, life satisfaction, and work-life balance, and the deficits employees accrue if there is a shortfall of deposits required for psychological detachment, e.g., stress, low productivity, work-family conflict, etc. Hence, this article provides a coherent understanding of the processes necessary for psychological detachment during work-from-home.
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Vanni, Kartika Marella. "Marketing Strategy of Mudharabah Deposit Products at Bank Syariah Indonesia." JBTI : Jurnal Bisnis : Teori dan Implementasi 13, no. 2 (October 20, 2022): 139–49. http://dx.doi.org/10.18196/jbti.v13i2.15927.
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This article discusses one of the safe investment instruments, namely mudharabah deposits at Bank Syariah Indonesia. Reviewing the marketing strategy that has been carried out and reviewing the SWOT analysis of the product. This article aims to find out the marketing strategies that have been carried out by BSI and their application in the field. This research uses descriptive qualitative research methods, involving BSI employees and related literature. The result of this study is that there are several marketing strategies used by BSI, namely through telemarketing, means of customer service by calling customers who have funds in BSI savings to place their funds in deposit products; social media, by offering deposit products with flayers uploaded via social media; mobile banking, by means of a mobile deposit feature that can be accessed through BSI mobile banking which is certainly safer.
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Zhang, Xiang, Yanhuang Zheng, and Chuanhao Tian. "Who Benefits from the Housing Provident Fund System in China? An Analysis of the Internal Rate of Return for Typical Employees with Different Incomes." Sustainability 13, no. 9 (April 21, 2021): 4622. http://dx.doi.org/10.3390/su13094622.
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The Housing Provident Fund System (HPFS) was established in China in the 1990s as a welfare program to offer low-cost loans and encourage the purchasing of houses. However, there has been some controversy over the income redistribution effect of HPFS. Previous studies focused on the effect of low-interest-rate loans but ignored the effects of tax exemptions and low-interest-rate deposits. This paper introduces a lifetime cash flow model which considers the effects of low-interest-rate loans, tax exemptions, and low-interest-rate deposits together. It compares the internal rate of return (IRR) for typical employees with different incomes in four situations: whether or not HPFS participation and whether or not house purchasing. We found that the IRRs of the typical low-income HPFS participants who buy houses with HPFS loans were lower than the IRRs of non-participants who buy houses with commercial mortgages without HPFS participation. For the typical middle-income employees, there is not much difference in IRR between the two situations. Only the typical high-income employees can benefit from HPFS participation, and this is mostly due to the effect of the tax exemptions, rather than the effect of low-interest-rate loans. Increasing the coverage of HPFS and HPFS loans among low-income employees will not improve the income redistribution effect of HPFS.
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-, Muthmainnah, Vionita Vadiana Vionita, and Silvia Catalan Ambag. "PENGARUH PENERAPAN SISTEM INFORMASI AKUNTANSI PENERIMAAN KAS DANA DEPOSITO DALAM MENINGKATKAN PENGENDALIAN INTERN DI PT BPR KERTA RAHARJA CABANG BANJARAN." EKBIS (Ekonomi & Bisnis) 10, no. 1 (July 1, 2022): 60–66. http://dx.doi.org/10.56689/ekbis.v10i1.594.
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The purpose of this study is to investigate the extent to which the accounting information System for Cash Receipts on Deposit Funds has an impact on improving internal control at PT BPR Kerta Raharja. The descriptive quantitative research approach was employed, with data collected through field investigations, interviews, and questionnaires. The sample size for this study was 22 employees from PT BPR Kerta Raharja. Based on the study's findings, the hypothesis was accepted after the results of hypothesis testing using the t-test showed a significant level of 0.001 0.000. This indicates a substantial association between the Accounting Information System for Cash Receipts, Deposits, and Internal Control, which validates the premise. Based on the coefficient of determination calculations, the effect of the Accounting Information System for Cash Receipts on Deposit Funds on Internal Control at PT BPR Kerta Raharja Banjaran Branch is 45.7 percent, with the remaining 54.3 percent influenced by other factors not investigated by the author.
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Putra, Riadhi Tedi, I. Nyoman Putu Budiartha, and Ni Made Puspasutari Ujianti. "Bentuk Perlindungan Hukum bagi Nasabah terhadap Pembobolan Rekening Nasabah oleh Pegawai Bank." Jurnal Interpretasi Hukum 1, no. 2 (September 26, 2020): 181–85. http://dx.doi.org/10.22225/juinhum.1.2.2461.181-185.
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Legal protection for customers as consumers in the banking sector is an urgent matter, considering that there have been many incidents of theft of money through customer account hacking, even by bank employees themselves. The type of banking crime observed in this study is a banking crime involving bank employees. The choice of this type of crime is based on the fact that the majority of banking crimes that have recently occurred are committed by people involved as bank management team, so the causative factors need to be found immediately in order to determine the appropriate preventive measures. Based on this, the study uncovers two issues: (1) the form of legal protection for the bank customer regarding the theft of their money through the hacking of their account by a bank employee and (2) the bank’s liability for the theft of money that is committed through hacking of the customer account by bank the employee itself. This study uses a normative research method with a statute approach, a case approach, and a conceptual approach. The results showed that legal protection for bank customer with regard to the theft of money through hacking of customer account by bank employee was realised in the form of a warning against the offender of the hacking. The liability of the bank for the hacking of the customer account by its employee is through the collection and management of customer funds who was the victim of such hacking was carried out based on the principle of trust to ensure the safety of public deposits in the bank.
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Bakhitah, Qonitah, and Muhammad Nafik Hadi Ryandono. "EFISIENSI OPERASIONAL SEBAGAI STRATEGI UNTUK MENINGKATKAN KINERJA BMT (Studi Kasus: BMT UGT Sidogiri Cabang Lumajang)." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 6 (January 17, 2020): 1287. http://dx.doi.org/10.20473/vol6iss20196pp1287-1303.
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This research aims to determine the efficiency as one of the strategies in increasing the Financial Performance of Baitul mal wattamwil UGT Sidogiri Lumajang. The method used in this research is a qualitative approach with a case study strategy. The object of this research is Baitul maal wattamwil UGT Sidogiri Lumajang. Data collection is done by interviewing informants from Baitul mal wattamwil UGT Sidogiri Lumajang. The results were conducted from observation and interviews by researchers to 3 informants, showed that the strategies by Baitul mal wattamwil included: controlling operational costs, increase third-party Funds (DPK) savings and time deposits, finance clearly directional, and improve our services and product features fee based income, innovating on the technologies used, targeting every employee, , providing training regarding skills needed by employees, performance appraisal systems, employee rewards and promotions based on their contribution in efforts to improve quality, sustainable productivity.Keywords: Strategic, Efficiency, Finance performance, Baitul mal wattamwil UGT Sidogiri Lumajang
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Siddique, Muhammad, Owais Mufti, and Shah Wali Khan. "Internally Oriented High-performance Work Systems and Organizational Performance: Empirical Evidence from Banking Sector in Pakistan." Global Social Sciences Review IV, no. II (June 30, 2019): 88–95. http://dx.doi.org/10.31703/gssr.2019(iv-ii).12.
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This study analyses the influence of high-performance work systems on organizational performance. As, previous studies have mostly focused on individual HR practices in determining the influence of HR practices on performance so research is needed to analyze the combined effect of HRM practices as system to understand the importance of HR on performance. Based on AMO framework, this study investigated the effect of HR system on organizational performance using employees’ perspectives in highly interdependent work settings. In this study, primary data was obtained from 218 bank branches in collaboration with Institute of bankers Pakistan and bank management in the form of managers’ and employees’ perceptions about HPWS and its effect on performance. Results suggest that HPWS was significantly linked to deposits, advances and unit level profitability. Results pointed out new insights to HPWSperformance literature from employees perspectives.
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Husadha, Cahyadi, and Yuliana Melviani. "PERLAKUAN AKUNTANSI ATAS PAJAK PERTAMBAHAN NILAI DI KOPERASI PEGAWAI BADAN URUSAN LOGISTIK (KOPEL)." Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT 3, no. 1 (February 28, 2018): 101–10. http://dx.doi.org/10.36226/jrmb.v3i1.90.
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This study aims to determine the accounting treatment and compliance of deposits of Value Added Tax on the activities of the delivery and the acquisition of Taxable Goods and Taxable Services in the Cooperative Employees Agency Logistics Affairs (KOPEL). This research method using descriptive qualitative analysis method which arranged in accordance with the plan about sale and purchase transactions and SPT Period VAT every month. The results of this study indicate that the Cooperative Employees Agency Logistics Agency (KOPEL) has implemented the recording of Value Added Taxes in 2015 which has been guided by the Financial Accounting Standards (SAK) applicable in Indonesia. Further discussion and research are described in the paper.
Keywords: value added tax, accounting compliance
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Sari, Lina Puspita. "Analisis Service Quality Dan Corporate Image Dalam Meningkatkan Customer Satisfaction PT Bank Pembangunan Daerah Jawa Timur,Tbk Cabang Kediri." Otonomi 21, no. 2 (October 21, 2021): 274. http://dx.doi.org/10.32503/otonomi.v21i2.2049.
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A Bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultan areousky giving loans. Banking is business that deponds on trust, there fore service quality and reputation determine success in business. The aim of this research is to analyse the effect of service quality and corporate image towards customer satisfaction in Bank Jatim Kediri branch.This research placed in Bank Jatim Kediru branch with 70 respondent sample site. The independent variable ( X ) were service quality, corporate image, whilst the dependent variable ( Y ) was customer satisfaction. Accidental random sampling was applied.This research showed that, there was significant correlation between service quality and corporate image towards customer satisfaction in Bank Jatim Kediri branch. The result of this research suggested that Bank Jatim employees. Should increase their standard of in customer service and give excellent impression to of corporate image so that customer loyalty can be established
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Kannan, Rathimala, Yonesh Reddiar, Kannan Ramakrishnan, Marrynal S. Eastaff, and Shobana Ramesh. "Job characteristics of a Malaysian bank’s anti-money laundering system and its employees’ job satisfaction." F1000Research 10 (September 12, 2022): 1052. http://dx.doi.org/10.12688/f1000research.73234.2.
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Background: Banks and financial institutions are vulnerable to money laundering (ML) as a result of crime proceeds infiltrating banks in the form of significant cash deposits. Improved financial crime compliance processes and systems enable anti-ML (AML) analysts to devote considerable time and effort to case investigation and process quality work, thereby lowering financial risks by reporting suspicious activity in a timely and effective manner. This study uses Job Characteristics Theory (JCT) to evaluate the AML system through the job satisfaction and motivation of its users. The purpose of this study is to determine how satisfied AML personnel are with their jobs and how motivated they are to work with the system. Methods: This cross-sectional study used JCT to investigate the important elements impacting employee satisfaction with the AML system. The five core dimensions of the job characteristics were measured using a job diagnostic survey. The respondents were employees working in the AML department of a Malaysian bank, and the sample group was chosen using a purposive sampling approach. A total of 100 acceptable replies were gathered and analysed using various statistical approaches. A motivating potential score was generated for each employee based on five main job characteristics. Results: Findings revealed that five core job characteristics, namely, skill diversity, task identity, task importance, autonomy and feedback, positively influence the AML system employees’ job satisfaction. However, skill variety and autonomy are found to be low, which are reflected in the poor motivating potential score. Conclusion: This study examined the characteristics of the AML system and its users’ job satisfaction. Findings revealed that task significance is the most widely recognised characteristic, followed by feedback and task identity. However, there is a lack of skill variety and autonomy, which must be addressed to improve employee satisfaction with the AML system.
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Kannan, Rathimala, Yonesh Reddiar, Kannan Ramakrishnan, Marrynal S. Eastaff, and Shobana Ramesh. "Job characteristics of a Malaysian bank’s anti-money laundering system and its employees’ job satisfaction." F1000Research 10 (October 15, 2021): 1052. http://dx.doi.org/10.12688/f1000research.73234.1.
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Background: Banks and financial institutions are vulnerable to money laundering (ML) as a result of crime proceeds infiltrating banks in the form of significant cash deposits. Improved financial crime compliance processes and systems enable anti-ML (AML) analysts to devote considerable time and effort to case investigation and process quality work, thereby lowering financial risks by reporting suspicious activity in a timely and effective manner. This study uses Job Characteristics Theory (JCT) to evaluate the AML system through the job satisfaction and motivation of its users. The purpose of this study is to determine how satisfied AML personnel are with their jobs and how motivated they are to work with the system. Methods: This cross-sectional study used JCT to investigate the important elements impacting employee satisfaction with the AML system. The five core dimensions of the job characteristics were measured using a job diagnostic survey. The respondents were employees working in the AML department of a Malaysian bank, and the sample group was chosen using a purposive sampling approach. A total of 100 acceptable replies were gathered and analysed using various statistical approaches. A motivating potential score was generated for each employee based on five main job characteristics. Results: Findings revealed that five core job characteristics, namely, skill diversity, task identity, task importance, autonomy and feedback, positively influence the AML system employees’ job satisfaction. However, skill variety and autonomy are found to be low, which are reflected in the poor motivating potential score. Conclusion: This study examined the characteristics of the AML system and its users’ job satisfaction. Findings revealed that task significance is the most widely recognised characteristic, followed by feedback and task identity. However, there is a lack of skill variety and autonomy, which must be addressed to improve employee satisfaction with the AML system.
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Baulin, O. A., I. F. Khafizov, T. V. Vasileva, and E. D. Muftakhova. "Ways for Improving Industrial Safety in the Operation of Oil and Gas Wells." Occupational Safety in Industry, no. 5 (May 2021): 48–52. http://dx.doi.org/10.24000/0409-2961-2021-5-48-52.
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Emergency situations at the oil wells are often caused by the formation of asphalt-resin-paraffin deposits. Removal of harmful deposits increases the efficiency of production wells, increases the turnaround time, prevents emergencies, and, also, reduces the likelihood of an explosive environment. According to the industrial safety requirements for hazardous production facilities it is necessary to take measures to eliminate the causes and prevent such accidents. Therefore, it is required to ensure timely efficient removal of deposits, which in turn requires the improvement of methods and technologies for cleaning wells. Gazprom Dobycha Orenburg LLC uses the technology of the wells heat treatment by means of injection of heated gas condensate. The thermal method of removal has a significant disadvantage, such as melting of the deposits instead of dissolving them, which leads to a rapid buildup of wax on the inner walls of the oilfield equipment. The method is proposed for removing asphalt-resin-paraffin deposits using a modified hydrocarbon solvent, which is obtained experimentally based of the stable gas condensate of the Orenburg oil and gas condensate field using cavitation-vortex effect. The new method is presented for obtaining a solvent by separating a gas condensate fraction using the single evaporation device operating at low temperatures. This method eliminates the influence of high temperatures traditionally used in the fractionating columns for separating gas condensate into fractions and ensures the safety of the technological process and labor of the employees.
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Škvareková, Erika, Marianna Tomašková, Gabriel Wittenberger, and Štefan Zelenák. "Analysis of Risk Factors for Underground Coal Gasification." Management Systems in Production Engineering 27, no. 4 (December 1, 2019): 227–35. http://dx.doi.org/10.1515/mspe-2019-0036.
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AbstractThe purpose of this article is to determine the environmental impacts of underground gasification on the population and to analyze the risk of underground coal gasification (UCG) activities using selected risk assessment methods. Coal gas is a regular part of coal deposits and its extraction also allows the use of coal deposits that cannot be extracted by traditional methods. These technologies bring both positive and negative aspects. The paper points out the risk analysis, hazard identification and assessment during the operation of UCG technology using a risk graph and a risk matrix. Identified risks to workers that cannot be reduced should be taken into consideration and appropriate safeguard should be used. For each risk, it is necessary to inform employees about regular education and training. From worldwide experience with this technology, it is possible to analyze risks in Slovakia. Actual gasification produces polluting gases such as carbon dioxide, carbon monoxide, hydrogen sulphide, hydrogen sulphide, nitrogen oxides, tar and ash, and creates a risk that may occur on and under the surface of the site depending on the geological and hydrogeological structure of the deposits. Possible measures to mitigate the adverse effects are proposed for the implementation of this technology. Coal is still one of the main domestic primary energy sources. Currently, only 5 out of 19 deposits in the Slovak Republic are used. Underground gasification could increase the use of Slovak coal and brown coal deposits.
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Sagwa, Evans Vidija, and Appolonius Shitiabai Kembu. "Influence of Firm Size on Performance of Deposit Taking Savings and Credit Cooperative Societies in Nairobi County, Kenya." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 17, no. 2 (May 18, 2021): 29. http://dx.doi.org/10.21013/jmss.v17.n2.p2.
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The Savings and Credit Cooperative Societies (Saccos) in Kenya have made a tremendous contribution to national development which is responsible for about 45% of Gross Domestic Product and 31% of national savings and deposits. Deposit Taking Saccos (DTSs) have enabled cooperative societies to diversify their products and services in a highly competitive market. Those who patronize the services of DTSs have options of accessing similar services from other service providers like commercial banks and non-banking financial institutions that may enjoy economies of scale due to their size. However, some of the DTSs may be small in size which makes it difficult for them to leverage on size for wider coverage of their catchment market. Guided by Human Capital Theory (HCT) and the Resource-Based View (RBV) as the theoretical framework. The purpose of this study was to examine firm size as an important influencing factor on organization performance. The study adopted a descriptive design. The study was a census of the 42 DTSs operating in Nairobi County, Kenya. The target respondents were Chief Executive Officers and Human Resource Managers in the DTSs. Data was collected from 39 respondents using a questionnaire that was tested for reliability and validity. Data was analyzed using descriptive and statistical techniques. Cross-tabulation of the number of employees and organizational performance was done. Chi-square tests were also conducted. The findings of the study indicate that the DTSs with the highest number of employees performed higher than those with fewer employees. These findings suggest that organizations should pay more attention to firm size and leverage on the optimum size for competitiveness in the market.
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Spirina, A. V., V. V. Makarov, I. B. Moiseev, and I. V. Vikentyev. "Morphological features of ore reserves of the Novo-Uchaly vms deposit (Southern Urals)." Proceedings of higher educational establishments. Geology and Exploration 63, no. 2 (November 5, 2020): 35–46. http://dx.doi.org/10.32454/0016-7762-2020-63-2-35-46.
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Background. The Novo-Uchaly copper-zinc VMS deposit in the Southern Urals (54°10΄54˝N and 59°20΄45˝E) is represented by a steeply dipping lens of Eifelian volcanics (rhyodacites and basalts), which are crumpled into a strongly compressed anticlinal fold. The ore deposit is blind and localised at the convergence of felsic (bottom) and mafic (top) rocks. The deposit is located at depths of 550 m (in the northern part) and 1050 m (in the southern part). The deposit thickness reaches 186 m. The length along the strike and along the dip equals 1250 m and 900 m, respectively. The ore body is intruded by gabbro-diorite and gabbro-diabase dikes. The main ore minerals are pyrite, sphalerite and chalcopyrite, as well as non-metallic minerals, such as quartz, barite and calcite. Unlike most of the Ural VMS deposits, this deposit is the zinc subtype (Zn >> Cu). The ores are predominantly massive and solid sulphide, being banded or brecciated in some parts. The main elements extracted are copper, zinc and sulphur, but gold, silver, cadmium, indium, cobalt, nickel, selenium and tellurium are also obtained.Aim. To clarify the morphology of the ore deposit, to study the ore mineral composition of the upper horizons of its northern part and to determine the underlying reasons for the complex lenticular structure of the sulphide reserve.Materials and methods. In the period 2017—2019, employees of the Institute of Ore Deposits, Petrography, Mineralogy and Biochemistry of the Russian Academy of Sciences (IGEM RAS) together with geologists of the Uchaly Mining and Processing Plant carried out a geological and mineralogical mapping of the deposit in the course of exploration works.Results. The ore contours and mineral composition of the northern part of the ore body were significantly clarified. A series of dikes of variable morphology was identified. A comparison was made of the results with current theories about the structure of the ore deposit. Detailed geological sections were determined and illustrate the complex lenticular structure of the ore deposit complicated by pinch and swell areas. The deposit was formed by processes of dynamic metamorphism.Conclusion. The geological and mineralogical structure of the deposit determined in the study enabled us to propose a schematic reconstruction of the conditions leading to the formation of its folded structure. The findings will help to re-assess the reserves and improve the system of operational exploration and delineation.
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Jufriyanto, Moh, Yudha Dwi Putra Negara, and Doni Abdul Fatah. "Analysis of Factor that Preferred by Customer in the Selection of Batara Savings Products at BTN Bank Branch Kamal." International journal of science, engineering, and information technology 4, no. 2 (July 22, 2020): 192–97. http://dx.doi.org/10.21107/ijseit.v4i2.6708.
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Factor analysis is a statistical analysis that tries to find a relationship (interrelationship) between a number of variables are mutually independent from one another, so that it can be made one or several sets of variables are less than the amount of the initial variables. Researchers want to conduct research on the factors that necessitated the customer in product selection god savings deposits at Bank BTN Kamal, Bangkalan by factor analysis approach. From the results in getting that formed five factors capable of representing on the seventeenth of the variables used factor analysis conducted, five factors formed can be seen from the eigen value more than 1 and pictures scree plot. Factors which is made by customers of Bank BTN in the selection of savings products Batara ie Employee Bank BTN responsive in serving, security transactions, procedures (and requirements) account opening Savings Batara easy was infested, Administration fee is low, and Employees of Bank BTN can give correct information and clear.
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Asghar, Bilal, Ahmad Wasim, Usama Qazi, and Azfar Rasool. "Financial and Non-Financial Practices Driving Sustainable Firm Performance: Evidence from Banking Sector of Developing Countries." Sustainability 12, no. 15 (July 31, 2020): 6164. http://dx.doi.org/10.3390/su12156164.
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Since independence, state-owned enterprises in Pakistan have been struggling for performance enhancement. The goal of sustainable performance is still unachievable. Therefore, the paper evaluates sustainable corporate performance based on financial, social, and environmental performance areas. The organizational restructuring framework for sustainable performance enhancement is developed on software PLS-SEM. The financial and economic performance (FEP) was evaluated through financial reports and surveys; however, social and environmental performances (SEP) were quantified through survey questionnaires for seven performance areas with multiple sub factors, based on Weisbord’s six box model. The study time period in focus is 2011 to 2015. Data was collected from 517 employees of 19 public, private, and privatized banks of Pakistan. The results demonstrate that the total effect of FEP and SEP is much stronger (t-value = 7.619) than the individual direct impact of FEP (t-value = 5.189) on sustainable firm performance (SFP). This is a clear indication of the mediating role of SEP for SFP evaluation. Furthermore, FEP depends on significant indicators include net assets, total deposits, profit before tax, and earnings per share of total deposits with outer loadings, which are given as 0.995, 0.992, 0.978, and 0.954, respectively. Moreover, SEP depends on indicators, i.e., reward policies, redefining organizational purpose, coordination mechanism among employees, and supervisor relationships, with correlations of 0.864, 0.849, 0.805, and 0.761, respectively. The framework will assist in the enhancement of the performance of economically unviable public and loss-making privatized entities.
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Fomin, A. I., V. G. Igishev, Yu А. Fadeev, and I. M. Anisimov. "REGULARITIES IN THE DEVELOPMENT OF OCCUPATIONAL DISEASES OF THE EMPLOYEES AT THE DEVELOPMENT OF OPEN-PIT COAL DEPOSITS." Occupational Safety in Industry, no. 4 (April 2018): 5–10. http://dx.doi.org/10.24000/0409-2961-2018-4-5-10.
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Meriyati, Meriyati, and Agus Hermanto. "Sosialisasi Sejarah Bank Perkreditan Rakyat (BPR) Dan Bank Perkreditan Rakyat Syariah (BPRS) Kepada Alumni Pondok Al-Iman Yang Berada Di Palembang." AKM: Aksi Kepada Masyarakat 1, no. 2 (January 4, 2021): 43–52. http://dx.doi.org/10.36908/akm.v1i2.187.
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Rural Banks are bank financial institutions, which accept deposits only in the form of time deposits, savings, and / or other equivalent forms and channel funds as an RB business. The People's Credit Institution originated in the Dutch colonial period in the 19th century, with the formation of the Village Lumbung, Village Bank (BD), Bank Tani (BT), and Bank Dagang Desa (BDD), with the aim of helping farmers, employees and laborers to releasing themselves from the trap of moneylenders (loan sharks) who are said to provide loans with high interest rates. With the issuance of Law no. 7 concerning Banking of 1992 (Law No. 7/1992 concerning Banking) provided a clear legal basis as a type of bank other than commercial banks. According to Law no. 7/1992 concerning Banking Non-bank financial institutions that have obtained a business license from the minister of finance may adjust their business activities as a bank.
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Dewaji, Anggoro Bagus, Albertus Dwiyoga Widiantoro, and Agnes Advensia Chrismastuti. "Web-based SIA Pranata Sejahtera Using Laravel." Journal of Business and Technology 2, no. 2 (August 10, 2022): 79–84. http://dx.doi.org/10.24167/jbt.v2i2.4678.
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Pranata Sejahtera Cooperative is a savings and loan institution provided by Soegijapranata Catholic University for its employees. Based on interviews conducted with the treasurer and officers of the cooperative, the cooperative faces several problems. Some records exist using semi-manual methods, such as recording transactions from deposits, loans, and registered members. The next problem, cooperatives have experienced losses due to fraud in management financialBased on the problems experienced by the Pranata Sejahtera Soegijapranata cooperative, the researcher provides a solution for making a web-based accounting information system with the Laravel framework.
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Mautin Oke, David, Isaac A. Ogbuji, and Koye Gerry Bokana. "Deposit money banks’ efficiency in three years after, during and before the 2004–2005 consolidation in Nigeria: the puzzle on size." Banks and Bank Systems 12, no. 3 (October 5, 2017): 193–203. http://dx.doi.org/10.21511/bbs.12(3-1).2017.04.
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In this paper, the authors examined the efficiency of deposit money banks (DMBs) in Nigeria in three years after, during and before the 2004–2005 capital consolidation in Nigeria. This consolidation period was the last period the Central Bank of Nigeria implemented an official recapitalization policy of the deposit money banks in the country. The authors predicated the study on a modified intermediation and efficiency measurement frameworks. It utilizes deposits, fixed assets and employees as inputs, whose costs are interest payments, depreciation and staff expenses. Performing loans and advances, investments and liquid assets constituted the output variables. The authors computed the efficiency scores, using the Data Envelopment Analysis (DEA) approach. The data used were obtained from the DMBs that retained their identities and controlled over 75% of the banking industry’s total assets. They were purposively selected to maintain data consistency, and were size-classified by total assets. The findings show that small banks tend to be more cost efficient than medium and big banks. More so, medium sized banks tend to be more cost efficient than big banks, while big banks take the lead in cost efficiency score in post consolidation period. Cost efficiency of the banks was the highest during consolidation, followed by pre-consolidation and least in three years after consolidation.
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Musfitria, Anessa, and Muhammad Yasir Anhar. "Kebijakan Pemberian Program Simpan Pinjaman Mempengaruhi Peningkatan Kinerja Karyawan dan Anak Perusahaan Koperasi Astra." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 3, no. 2 (December 21, 2021): 211–25. http://dx.doi.org/10.47467/elmal.v3i2.837.
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Cooperatives aim to promote the welfare of members in particular and society in general and to participate in building the national economic order in order to create an advanced, just and prosperous society based on pancasila. This study aims to determine the description of the policy of providing savings and loan programs affecting the performance of employees and subsidiaries in the astra cooperative. The method in this research is qualitative descriptive, the data source used is secondary data through online media https://www.koperasi-astra.com/. The results of the research show that a company can become big and last a long time with a strong core value. Every employee in the astra cooperative upholds the values that must be maintained, including: passionate, respect, open mind, sinergy, and performance. By having 5 policies such as 1) savings and loan credit program policy, 2) loan program policy, 3) allowance for term deposits, 4) csr program, 5) scholarship program. From the policy program, it is certainly in accordance with the core values of the astra cooperative
Keywords: policy, savings and loan and performance
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Musfitria, Anessa, and Muhammad Yasir Anhar. "Kebijakan Pemberian Program Simpan Pinjaman Mempengaruhi Peningkatan Kinerja Karyawan dan Anak Perusahaan Koperasi Astra." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 5, no. 2 (December 21, 2021): 211–25. http://dx.doi.org/10.47467/elmal.v5i2.837.
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Cooperatives aim to promote the welfare of members in particular and society in general and to participate in building the national economic order in order to create an advanced, just and prosperous society based on pancasila. This study aims to determine the description of the policy of providing savings and loan programs affecting the performance of employees and subsidiaries in the astra cooperative. The method in this research is qualitative descriptive, the data source used is secondary data through online media https://www.koperasi-astra.com/. The results of the research show that a company can become big and last a long time with a strong core value. Every employee in the astra cooperative upholds the values that must be maintained, including: passionate, respect, open mind, sinergy, and performance. By having 5 policies such as 1) savings and loan credit program policy, 2) loan program policy, 3) allowance for term deposits, 4) csr program, 5) scholarship program. From the policy program, it is certainly in accordance with the core values of the astra cooperative
Keywords: policy, savings and loan and performance
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ur Rehman, Anis. "Innovation and Management by Regional Rural Banks in Achieving the Dream of Financial Inclusion in India: Challenges and Prospects." Marketing and Management of Innovations, no. 1 (2020): 222–34. http://dx.doi.org/10.21272/mmi.2020.1-18.
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The Regional Rural Banks are government-owned, regionally based and rurally oriented financial institutions specialized in catering to the credit needs of the neglected and weaker sections of the society. In the recent past, RRBs have become a potent mediator for financial inclusion in rural areas. This paper summarizes the innovative methods used by the employees of these banks in deposit mobilizations, credit expansion and recovery of the loan. The primary purpose of the research is to find the problems faced by officials of these banks in marketing their services to the rural customer. The opinions of these bank officials regarding the above factors and the functioning of these banks and their impact on society have also been studied. For this purpose, a sample of 96 bank officials of Aryavart bank and Purvanchal Bank have been taken from the rural areas of Uttar Pradesh. Methodological tools of the research methods were Frequency and Chi-square test of independence which have been used to test the hypotheses developed in the study. The research empirically confirms and theoretically proves that the employees and staff of these two regional rural banks in the state are making their earnest effort to channelize the savings of rural people by mobilization of deposits by motivating them to deposit their surplus money in the regional rural banks. The bank officials are making efforts to extend credit facilities in rural areas to uplift the people economically. The bank officials are facing problems in deposit mobilization, and credit expansion in the rural areas of the state and they are managing these problems very efficiently. Some political interference was found in the functioning of these banks. In the opinion of these bank officials, the overall working of these regional rural banks is proper. The results of the research can be useful for policymakers in the government to understand the hurdles faced by regional rural banks in reaching to the poor and needy sections of the society. The insights from this paper can help the policymakers to craft innovative schemes which enable these banks to reach the most inaccessible customers in rural areas. Keywords Regional Rural Banks, deposit mobilizations, credit expansion, financial inclusion, loan recovery.
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Saputri, Galuh, and Emi Sita Eriana. "IMPLEMENTASI METODE WATERFALL PADA PERANCANGAN SISTEM INFORMASI KOPERASI SIMPAN PINJAM BERBASIS WEB DAN ANDROID (STUDI KASUS PT. PEB)." JURNAL TEKNIK INFORMATIKA 13, no. 2 (February 15, 2021): 133–46. http://dx.doi.org/10.15408/jti.v13i2.17537.
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PEB Cooperative is a savings and loan cooperative which is intended for employees of PT. PEB, is engaged in the garment industry. Established since 15 years with the number of cooperative members who are permanent employees of the company. This cooperative becomes an economical shelter to meet the needs of its employees. Technology in admin data processing is still simple using Microsoft Excel tools, in applications that connect members with admins on this system have not been designed, so from the background of this research will design a web-based and android-based savings and loan cooperative information system This design uses the waterfall model which will take a sequential design making it easier for developers and users. The hope is that this design will help make transactions for savings, loans, deposits, data collection, and reports to members, admins and leaders. The results obtained from the questionnaire with the System Usability Scale method in this savings and loan cooperative application are easy to use, faster, and practical, stated by the cooperative members by 84% and cooperative managers by 80%. It can be concluded that this application that has been designed can make it easier to carry out savings and loan transactions quickly and practically.
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Nikipelova, O., O. Sydorenko, S. Gushcha, E. Zaharchenko, and W. Zukov. "Towards the creation of state-owned resort in the city of Morshyn (Lviv region (Ukraine)." Ukrainian Journal of Ecology 9, no. 4 (November 29, 2019): 459–64. http://dx.doi.org/10.15421/2019_775.
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For the organization of the resorts natural areas of resorts, which have natural therapeutic and recreational resources, which is a powerful potential for the development of medical rehabilitation, treatment, health improvement and medical tourism are used. The creation of resorts requires the presence of a number of components: natural therapeutic resources, sanatorium and health resorts, infrastructure (balneological, mud therapy, pump room with mineral water, etc.) and a professional staff of employees. Depending on the quality and value of natural therapeutic resources, there are distinct state and local resorts. On the territory of the city of Morshyn (Lviv Oblast, Ukraine), almost 150 years ago, the usage of mineral water for treatment was applied for the first time. During the period of independence of Ukraine, the medical-biological evaluation of medical brines of the Morshynsky deposit of Bonifaci, Banya and Ninivsky deposits was carried out, which included physico-chemical, microbiological and experimental studies in laboratory animals and clinical trials. Also, the current state of the natural territories and infrastructure of sanatorium and resort establishments is assessed, the definition of the natural territory of the city of Morshyn is grounded as a resort of state importance.
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Saddique, Muhammad, Zahoor Khan, and Saleem Gul. "The Performance Effect of HPWS and Relational Coordination on Branch Efficiency: A Data Envelopment Analysis Approach." Journl of Applied Economics and Business Studies 4, no. 2 (June 30, 2020): 163–80. http://dx.doi.org/10.34260/jaebs.428.
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This study is set to analyse the role of high-performance work systems which is mainly aimed to boost knowledge, skills, and abilities of human resources in the form of effective communication and better coordination termed as relational coordination and subsequently improving performance. Using the theory of relational coordination that explains the relational aspects of coordination along with effective communication to influence performance outcomes, the study obtained data from 218 branches through survey focusing on employees’ perspectives regarding high-performance work system in anticipating relational coordination among employees in performing focal work process of branch banking functions. The data obtained from officers was analysed through the Data Envelopment Analysis approach to identify efficient bank branches pivotal in formulating optimal policy measures. Results indicated that high-performance work systems envisaged relational coordination via the intervention of deposits and profitability. The findings contribute to the literature of high-performance work systems by indicating what interventions in high-performance work systems and the relational coordination may lead to bringing down operations cost or making improvements in the delivery of banking services. The study also implies that compared with managerial perspectives in the field, employees’ perspectives provide significant insights about the relational process in explaining how a well-coordinated approach towards HR systems establish the social context for better HRM practices, enhancing.
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Golik, V. I., G. V. Stas, M. Yu Liskova, and Ch B. Kongar-Syuryun. "Improvement of the Occupational Safety by Radical Isolation of Pollution Sources during Underground Ore Mining." Occupational Safety in Industry, no. 7 (July 2021): 7–12. http://dx.doi.org/10.24000/0409-2961-2021-7-7-12.
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One of the ways to protect the health of the employees in the mining enterprises is the improvement of the mine atmosphere by strengthening safety measures in the underground mining of minerals, especially those that pose a particular hazard. The aim of the study is to develop a technology for the radical protection of the employees from specific pollution. To achieve this goal, a set of tasks is being solved, one of which is the use of technogenic waste as materials for the preparation of hardening filling mixtures. It is experimentally established that the process of increasing the strength of the tailings of various concentration plants is adequate, the structures of which can be used to control the geomechanics of the ore-bearing massif. Classification of the strengthening mixtures that allow to increase strength can occur when unloading from the crushing and grinding mills. Use of tailings for the manufacture of insulating massifs is possible after extracting the remaining metals from them, for example, using one of the leaching methods. Air pollution with specific substances during underground mining of ore deposits can be radically reduced by isolating workings with artificial insulating massifs. Possibility of using tailings for the manufacture of insulating artificial massifs is substantiated experimentally by comparing the capabilities of mills of various types. The issues of atmospheric air pollution during underground mining, mainly of ore deposits, are considered. Quantitative values of hazard for development systems are given. The results of experiments confirming the possibility of using tailings for the manufacture of concrete insulating artificial massifs are presented. Quantitative values are obtained related to the capabilities of mills for obtaining a product of the same size with different granulometric composition of the starting material when used in industry.
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Oktavia, Renny, Diah Krisnaningsih, and Tika Widiastuti. "Development of Strategy and Subtainability of Bank Syariah Mandiri Management in The Face of Covid-19 Pandemic." IQTISHODUNA: Jurnal Ekonomi Islam 10, no. 1 (March 30, 2021): 77. http://dx.doi.org/10.36835/iqtishoduna.v10i1.928.
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Bank Syariah Mandiri is a sharia-based financial industry that serves as advancing economic growth in Indonesia. The Covid-19 pandemic has greatly affected the community, including the sharia banking industry sector. The purpose of this research is to answer the problem formulation regarding the implementation of Bank Syariah Mandiri management strategies to survive the COVID-19 pandemic by undertaking several risk mitigation measures, namely (1) restructuring customers applying for financing; (2) perform backups; (3) creating a customer base; (4) create a webinar program as a gathering and outreach to customers; (5) teller and customer service employees are required to be able to market and have their customers. The number of assets, financing, deposits and profits of Bank Syariah Mandiri during the pandemic experienced the best increase during its establishment. The condition of the development of Bank Syariah Mandiri is good because since 2015 it has begun to improve the work system to modern technology. Also, Bank Syariah Mandiri is developing well and has collaborated with several agencies such as BUMN, civil servants, hospitals, private employees, the Ministry of Religion, and the Ministry of Finance.
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Wirananda, Henny Andriyani, Wan Dian Safina, and Wilda Sri Munawaroh Harahap. "THE ROLE OF INTERNAL CONTROL OVER SALES, RECEIVABLES, CASH RECEIPTS, AND CASH DISBURSEMENTS AT PT. INDAKO TRADING CO." Strategic Management Business Journal 2, no. 02 (December 31, 2022): 99–104. http://dx.doi.org/10.55751/smbj.v2i02.52.
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This study aims to determine the role of internal control over sales, accounts receivable, cash receipts, and cash disbursements at PT. Indako Trading Co. The data used in this study is primary data, and the subject is PT. Indako Trading Co. While the object of this research is internal control. Data collection techniques were carried out through observation, interviews, and documentation studies. The overall research results indicate the role of internal control over sales at PT. Indako Trading Co has been running well because there is a separation of duties and authority between employees to minimize errors and fraud that might occur in the company. The role of internal control over receivables and sales at PT. Indako Trading Co is good and separates the parts according to their respective fields. Internal control over cash receipts and disbursements at PT. Indako Trading Co has not been carried out according to proper procedures. This is because employees in the inputting section of cash receipts sometimes often cover deposits from other people due to delays in recording cash. It is feared that fraud can occur regarding cash receipts and disbursements.
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Henny Andriyani Wirananda, Lili Fizriah,. "Analisis Peranan Pengendalian Internal Atas Penjualan, Piutang Dan Penerimaan Kas Pada PT. Alfa Scorpii." Journal Economy and Currency Study (JECS) 4, no. 1 (January 14, 2022): 40–48. http://dx.doi.org/10.51178/jecs.v4i1.388.
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This study aims to determine the role of internal control over sales, accounts receivable and cash receipts at PT. Alfa Scorpii. The data used in this study is primary data, the subject in this study is PT. Alfa Scorpii. While the object in this research is internal control. Data collection techniques were carried out by observation, interviews and documentation studies. The data analysis technique used is to review the role of internal control over sales, accounts receivable and cash receipts at PT. Alfa Scorpii, by collecting data and then studying and reviewing data based on interviews and documentation, in order to obtain results from the role of internal control over sales, receivables and cash receipts at PT. Alfa Scorpii. From the overall research results indicate that the role of internal control over sales at PT. Alfa Scorpii has been running well because there is a separation of duties and authority between employees so as to minimize errors and fraud that might occur in the company. The role of internal control over receivables at PT. Alfa Scorpii has separated the parts according to their respective fields, so there is no confusion when carrying out the tasks assigned by superiors and the company becomes safe because it can reduce fraud that can be caused by these employees. Internal control over cash receipts at PT Alfa Scorpii has not been carried out according to procedures because employees at the inputting cash receipts section sometimes often cover deposits from other people due to delaying the recording of cash so as to steal money. The advice given from the research results is internal control at PT. Alfa Scorpii has done quite well in the company but there is still control in the cash receipts section that is still not done well, it is better to warn employees so that it is carried out properly.
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Siddique, Muhammad, and Mohammad Raijul Islam. "Relational Coordination Among Service Providers." International Journal of Strategic Decision Sciences 14, no. 1 (February 16, 2023): 1–17. http://dx.doi.org/10.4018/ijsds.318449.
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This paper seeks to identify a potential mechanism over which HPWS influences performance. Using relational coordination theory, this paper assesses communication and relational ties of relational coordination as a potential link over which HPWS can affect unit-level performance in banks which are characterized as highly uncertain, interdependent, as well as time-bound. Primary data were collected from bank officers about the strength of HPWS and relational coordination among employees. Results indicate that HPWS was significantly associated with bank performance outcomes, including branch levels of deposits, loans, and net profit. Results also indicate that RC significantly mediated the linkages between HPWS and unit-level performance outcomes. These results suggest new insights for top management and HR leaders in the banking industry regarding the design of HPWS.
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Odunayo, H. A. "Compensation Management and Employee Commitment in Selected Banks in Lagos State." European Journal of Business and Innovation Research 10, no. 7 (July 15, 2022): 1–14. http://dx.doi.org/10.37745/ejbir.2013/vol10n7114.
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In the global world of today, for any organization such as banks to have competitive edge amidst her competitors, there must be in place a formidable compensation strategy to retain, attract, and motivate people to join the organisation. The ability of bank managers to achieve the bank corporate objectives to a large extent depends on the effective implementation of compensational packages in order to retain and motivate employees within and beyond their expectation. This study is on compensation management and employee commitment in selected deposit money banks in Lagos State, Nigeria. The problem of this research is that many Nigerian banks has failed to ensure the commitment of staff because they do not manage compensations adequately and as at when due. The objective of this study is basically to determine the effect of compensation management on employee commitment in selected deposit money banks in Lagos State. The research adopted survey research design. The population of study was 1100 and a sample of 600 was derived using Taro Yamane ‘s formula and this constitutes employees of selected three banks in Lagos State. Regression analysis test statistic at P-value of 0.05 level of significance was used in testing the hypothesis. The findings shohttps://www.eajournals.org/wp-content/uploads/Compensation-Management.pdfw that compensation management positively influences employee’s commitment in the selected deposit money banks in Lagos State. The study recommended that the management of selected deposit money banks should work on improving employees’ salaries, commissions and other direct compensations.
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Yanti, Nurrahma. "PENGADAAN KOLEKSI BAHAN PUSTAKA TERCETAK UPT PERPUSTAKAAN UNIVERSITAS JANABADRA YOGYAKARTA." Jurnal Pustaka Ilmiah 3, no. 2 (August 14, 2019): 431. http://dx.doi.org/10.20961/jpi.v3i2.33748.
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<p>This study aims to reveal the implementation of library material procurement in IAIN Batusangkar Library, this study uses qualitative methods by collecting data in the form of observation and interview. Based on the findings it can be seen that IAIN Batusangkar Library in the process of procurement of library materials has 3 methods of application; (1) Procurement of library materials through purchases to vendors is done once every year (2) Procurement of library materials through through gifts<br />/ donations from internat and eksernal parties. (3) Procurement of library materials through deposits such as scientific papers, thesis, thesis, proseding and others. Procurement of library materials through donations / gifts from prospective alumni IAIN Batusangkar or students to be graduated should the book will be donated determined by the library or students are given another option to contribute money that will be used for the purchase of library materials, it is useful to overcome the literature not required. Should be in the procurement of library materials through the<br />deposit all the lecturers / employees must know that they are obliged to deposit the results of his works and give sanctions if not donate to the library. Recommendation from the author to the Library IAIN Batusangkar Library IAIN Betterangkar should make policy management materials library written as the basis or guidance of library material management implementation starting from user analysis, selection, procurement, weeding to the evaluation for all activities directed</p><p>Keyword: acquisition, IAIN Batusangkar Library</p>
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Hladkykh, D. M. "Postal Bank in Ukraine: The Need and Risks of Creation." Business Inform 6, no. 521 (2021): 228–34. http://dx.doi.org/10.32983/2222-4459-2021-6-228-234.
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The article is aimed at substantiating the feasibility of creating a specialized postal bank in Ukraine, to define the list of related risks and possible directions for their reduction. The following key risks that hinder the establishment of a postal bank in Ukraine are identified: risk of lack of full control over the directions of investment of accumulated deposits of the population on the part of the NBU; liquidity risk; risk of non-compliance by the postal operator with economic standards that are mandatory for banking institutions; risk of capital deficit; risk of inability to support the postal operator with refinancing; risk of mass withdrawal of deposits by customers; risk of insufficient competence of «Ukrposhta» employees to comply with the requirements of financial monitoring; risks associated with the collection of large amounts of cash; risk of further growth of the share of the State-owned institutions in the banking market; risk of shortage of funds to close the agreement on the purchase of «Ukrposhta» by an already operating bank. Possible directions of minimization of these risks are proposed, in particular: implementation of key elements of successful experience in the banking services market of JSPPB «Aval»; defining as the target segment of clients of the new postal bank of the pensioners, who are currently customers of post offices, and as the basis of its resource base – the future pension and current accounts of individuals; use by «Ukrposhta» of the so-called «agency» model of financial services provision; association of «Ukrposhta» and «Oschadbank» into the State-owned Postal Bank; development of a list of key performance indicators for employees and branches of the new postal bank; development of a list of measures directed towards significantly improving the level of qualification of personnel of «Ukrposhta» branches; installation of POS-terminals and payment terminals in all post offices located in rural areas; establishment of individual economic standards for the new postal bank for the period of its full adaptation to activities in the banking market.
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MACKAY, THOMAS A. "“Bank-Wreckers, Defaulters, and Embezzlers”: America’s Popular Fear and Fascination with the Misappropriation of Bank Deposits during the Gilded Age and Progressive Era." Enterprise & Society 19, no. 1 (January 21, 2018): 58–87. http://dx.doi.org/10.1017/eso.2017.63.
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This article explores how “bank-wreckers, defaulters, and embezzlers” were popularly perceived during Gilded Age and Progressive Era America, and how they contributed to a broader concern over the safety of deposits and helped drive efforts to achieve greater financial security. Their actions, often described as “wrecking,” referred to instances in which a banking institution was damaged or destroyed due to the embezzlement or general misappropriation of depositor funds by bank officials or employees. Wrecking occurred inside and outside of the era’s major banking panics, and attracted popular and critical attention over this period, especially between the 1880s and the early 1910s. It is argued that this phenomenon resonated within the popular imagination, which was reflected, reinforced, and even instilled through the media, and that this helped sustain doubts on the reliability of the nation’s banks and bankers. This article shows how notions of class, character, and gender influenced how people thought about the problem: wrecking demonstrated that respectability could be illusory and that men of the era could be tempted to “get rich quick” through dubious means. Some of the major attempts to resolve the problem are also discussed to highlight how efforts to prevent wrecking relate to the period’s general push to bolster economic stability. Ultimately, the article shows how seemingly disparate events can aggregate into a larger problem, which can in turn motivate solutions and reforms.