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Journal articles on the topic 'Formal sector banks'

Author: Grafiati

Published: 18 May 2024

Last updated: 31 July 2025

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1

Sultana, Nurun Nahar, and Md Nabir Hossain. "Trends and Challenges of Formal Agricultural Credit in Bangladesh: Enhancing Productivity and Promoting Inclusive Growth." Journal of Economic Studies and Financial Research 4, no. 2 (2023): 10–24. http://dx.doi.org/10.46610/jesfr.2023.v04i02.002.

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Empirical studies provide evidence that agricultural finance is crucial for agriculture structural development of an economy. Ensuring the productivity of the agricultural sector is crucially important for the timely availability of agricultural credit. The purpose of this study is to look at what is going on with agricultural credit, especially in the formal sector of banking. Throughout the years, there has been a significant increase in credit disbursed through the official sector, which includes commercial banks and other financial institutions. This is a significant development, as in the

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2

Ogbonna, S. I., and C. K. Osondu. "Determinants of Supply of Funds to Agricultural Sector from Formal Sources in Nigeria from 1992 to 2012." Greener Journal of Agricultural Sciences 5, no. 3 (2015): 084–95. https://doi.org/10.15580/GJAS.2015.3.051815074.

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The study was carried out in Nigeria. Specifically the study analyzed performance of formal credit sources by amount of loan disbursed to agriculture from 1992 to 2012 and determined factors that influenced volume of funds supplied to agricultural sector from formal sources in Nigeria from 1992 to 2012. Time series data, covering the periods of 1992 – 2012, culled basically from the Central Bank of Nigeria’s Statistical Bulletin were used. The data collected were analyzed using descriptive statistics and two Stage Least Square regression technique. The result of the performanc

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Mugobo, Virimai, and Misheck Mutize. "The effects of shadow banking on the traditional banking system in Zimbabwe." Journal of Governance and Regulation 4, no. 4 (2015): 605–11. http://dx.doi.org/10.22495/jgr_v4_i4_c5_p5.

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The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted fr

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Hasbiy, Khoirul Umam, and Andrean Eka Hardana. "THE IMPACT OF SOCIO-ECONOMIC FACTORS OF HORTICULTURAL FARMERS ON ACCESS TO MICROFINANCE IN EAST JAVA." Agrisocionomics: Jurnal Sosial Ekonomi Pertanian 8, no. 2 (2024): 567–77. http://dx.doi.org/10.14710/agrisocionomics.v8i2.21091.

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Almost all corporate financing in the agriculture sector is dependent on interest. Because the features of the agricultural sector are incompatible with the finance sector, banks often show little interest in funding the agricultural sector. The purpose of this study were Analyze the socio-economics factors that influence the decision of horticultural farmers in East Java in accessing microfinance. The method of determining the location of the research was carried out in two locations, namely Wonomulyo Village, Poncokusumo Subdistrict, Malang Regency, dan Pacet Village, Pacet Subdistrict, Mojo

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Misztal, Piotr, and Marcin Łupiński. "ARE POLISH BANKS STABLE? A SYSTEMIC RISK ANALYSIS." Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing, no. 27(76) (June 30, 2022): 68–79. http://dx.doi.org/10.22630/pefim.2022.27.76.6.

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The financial crisis that began in 2007 pointed out deficiencies in policy-makers’ responses to systemic risk. It turned out that not only individual bank insolvencies but also spillovers from negative externalities among entities can cause serious threats to the financial sector. During the last 10 years, many international and national initiatives were taken to strengthen the soundness of the financial system, introducing a macroprudential perspective to financial supervision. However, the recent COVID19 pandemic resulted in a serious negative shock for many economies and their financial sec

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Vyas, Jaimini Naimish, and Vigna Oza Dr. "The Customer Relationship Management Practices of selected Public Sector Banks in Gujarat" [Performance analysis of CRMP in selected PuSB in Gujarat]." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 05 (2018): 298–303. https://doi.org/10.5281/zenodo.1253737.

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This research article examines the importance of CRM in creating a sustainable relationship between customers and public sector banks in India. The study investigates customers perceptions of CRM practices of selected public sector banks in Gujarat State, India; relationship between the customers perception and attitude of customers towards CRM practices of banks in India; impact of customer help desk of selected banks on customers perception of banks in India; and the relationship between the CRM practices and attitude of the customers towards factors contributing to services quality. For the

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Mudzingwa, Lasten, Dr Rangarirai Mbizi, and Dr Kudzanai Matowanyika. "Banking sector development in a multi-currency environment: A Zimbabwean sector perspective." International Journal of Scientific Research and Management (IJSRM) 12, no. 12 (2024): 8120–31. https://doi.org/10.18535/ijsrm/v12i12.em10.

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The study sought to provide an understanding of banking sector development in Zimbabwe since the introduction of the multi-currency system. This was prompted by inability of Zimbabwe's banking system to efficiently and effectively execute its financial intermediary role of supplying affordable long-terms loans to productive sectors of the economy as a catalyst for economic growth in line with the finance-growth nexus. The study made use of an interpretivism research philosophy and utilized semi-structured interviews to gather qualitative data from a sample of fifteen senior bank executives. St

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MUKHERJEE, SASWATEE. "A COMPARATIVE ANALYSIS OF INTEREST RATES: FORMAL SECTOR BANKS, LOCAL MONEYLENDERS AND MICROFINANCE INSTITUTIONS." Journal of Developmental Entrepreneurship 18, no. 01 (2013): 1350007. http://dx.doi.org/10.1142/s1084946713500076.

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This study examines the interest rate differences paid to a bank, a Micro Finance Institution (MFI) and a local moneylender. In a multi-period lending contract, a borrower discounting the future income stream at a constant rate is willing to pay the highest interest rate to the local moneylender, comparatively lower rate to a MFI and the lowest to a formal sector bank. In other words, if the interest rate charged by each of the three lenders is the same, the repayment rate will be highest for a moneylender followed by a MFI and the lowest for a formal sector bank.

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Manisha, Sharma, and Anita Rana Dr. "Comparison of Financial Performance of Selected Financial Institutions in India- Special Reference to Private Banks, Public Banks and NBFCs." European Journal of Advances in Engineering and Technology 10, no. 11s (2023): 10–22. https://doi.org/10.5281/zenodo.10638481.

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<strong>ABSTRACT </strong> Since independence, India’s economy has been dominated by the banking sector in providing financial assistance to one group, but the rise of NBFCs in the country has opened new avenues for financial assistance or service to new groups. NBFCs are known to fulfil financial needs of other segments of borrowers who are deprived of credit borrowing because of the formal banking system. <strong>Purpose of the study: </strong> The study aims to compare the financial performance of nine financial institutions with special reference financial institutions listed un

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Ayele, Abebe Birhanu, Keshav Malhotra, and Manu Sharma. "Developments in the Banking Sector and Financial Inclusion in Ethiopia." Journal of Commerce and Accounting Research 13, no. 3 (2024): 19–30. http://dx.doi.org/10.21863/jcar/2024.13.3.003.

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This paper aimed to highlight developments in the banking sector and to assess the status, trends and determinants of financial inclusion in Ethiopia. The study used data from the World Bank Findex Database, Commercial Bank of Ethiopia, Development Bank of Ethiopia and National Bank of Ethiopia annual reports. The Ethiopian banking sector, once dominated by public banks before the reform, showed a new era following the 1994 reform. The reform paved the way for the licensing of some private commercial banks. As a result, the market share of public banks declined significantly after the reform a

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YANG, Mu, and Jielu YAO. "China's Shadow Banking in Spotlight." East Asian Policy 05, no. 04 (2013): 65–75. http://dx.doi.org/10.1142/s1793930513000378.

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Shadow banking in China encompasses informal financing activities including both underground lending and the banks' off-balance-sheet credit. The lack of formal credit access prompted the development of China's underground lending. Banks' off-balance-sheet credit refers to various contingent liabilities of commercial banks. Though the Chinese government has taken measures to lower risks posed by shadow banking, it needs to move towards more market-determined interest rates and lower entry barriers to the banking sector.

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Ali, Nawazeesh Muhammad, and Wanakiti Wanasilp. "Small and Medium Enterprises (SMEs) Financing Through One Semi-Formal Sector Bank and Five Formal Sector Banks to Create Entrepreneurs: An Empirical Study." International Journal of Trade & Commerce-IIARTC 11, no. 2 (2023): 308–51. https://doi.org/10.46333/ijtc/11/2/3.

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Pandey, Dhruba Lal. "Training-performance relationship: A Study of Nepalese Banking Sector." Saptagandaki Journal 8 (October 20, 2017): 31–41. http://dx.doi.org/10.3126/sj.v8i0.18460.

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Training is one of the dominant techniques of management development program in modern organizations. Substantial number of studies on human resource management literature focuses the relationship between training and employee performance with its broader implication on organizational growth and profitability particularly the training effect in gaining sustained competitive advantages. This study aims to test the hypothesized relationship of training and organizational performance in Nepalese banking sector. A survey design approach was applied. Ten commercial banks were selected randomly and

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Fernández-Olit, Beatriz, Gloria González-Sanz, Óscar Sierra-Martín, and Elena Ortega-Diaz. "Financial Inclusion as Enabler for Innovation in Banking." Foresight and STI Governance 16, no. 3 (2022): 95–105. http://dx.doi.org/10.17323/2500-2597.2022.3.95.105.

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Using evidence from Spain, this study assesses the readiness of the banking sector of the EU to introduce technological and social innovations to implement the European policy of financial inclusivity. Despite the evident benefits for banks in terms of enhancing legitimacy and improving consumer knowledge and loyalty, mostly banks at present merely comply with the formal aspects of financial inclusion regulation, but are not going further in terms of technical or social innovation, using compliance to avoid the "stick" of regulation. In contrast, a review of the banks’ own corporate social res

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Ecubay, Feven, and Aitaa Kilimvi. "Implications of Informal Money Transfer Systems on Kenya’s Financial Sector." American Journal of Finance 8, no. 2 (2023): 13–27. http://dx.doi.org/10.47672/ajf.1520.

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Purpose: In Kenya, the informal money transfer system is widely used by its citizens, allowing them to make quick and easy payments across long distances. This system has bridged the gap between those with limited access to formal banking services, allowing them to make transactions without relying on a formal banking institution. While there are numerous benefits to using this type of system, it can also present potential risks to the economy and financial sector in general. This paper examines the implications of the informal money transfer system in Kenya, focusing primarily on its effects

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Sinha, G. K. "DIGITAL FINANCIAL INCLUSION AND INCLUSIVE DEVELOPMENT OF INDIA." BSSS Journal Of Commerce 15, no. 1 (2023): 61–66. http://dx.doi.org/10.51767/joc1508.

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With the prospect of reaching billions of new customers, banks and a widening array of non-banks have begun to offer digital financial services for financially excluded and underserved populations, building on the digital approaches that have been used for years to improve access channels for those already served by the formal financial sector. Digital financial services — including those involving the use of mobile phones — have now been launched in more than 80 countries, with some reaching significant scale. Digital financial inclusion involves the deployment of the cost-saving digital mean

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Herliana, Sri, Acip Sutardi, Qorri Aina, Qonita Himmatul Aliya, and Nur Lawiyah. "The Constraints of Agricultural Credit and Government Policy Strategy." MATEC Web of Conferences 215 (2018): 02008. http://dx.doi.org/10.1051/matecconf/201821502008.

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Low access to credit in the agricultural sector is also caused by problems of agricultural sector actors (especially farmers) and financial institutions. Farmers are still having difficulty in accessing credit (accessibility and unbankable) and the limited financial institutions that channel credit to the agricultural sector. Therefore, the government must issue a policy in growing the agricultural sector, especially in anticipation of access credit constraints by farmers. The agricultural sector as a high-risk business, therefore formal institutions are less interested in financing the agricu

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Zaccheaus, JACOB, NWALA, Nneka Maurie, and SUBERU Abubakar Adagu. "Effect of Formal Financial Sector on Financial Deepening in Nigeria." International Journal of Economics, Business and Management Research 07, no. 07 (2023): 70–90. http://dx.doi.org/10.51505/ijebmr.2023.7706.

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This study examined the effect of the formal financial sector on financial deepening in Nigeria for the period 2012Q1 to 2022Q3. The specific objectives of the study were to investigate the effect of deposit money bank development on financial deepening in Nigeria; to assess the effect of the insurance industry development on financial deepening in Nigeria; to determine the effect of stock market development on financial deepening in Nigeria. The study adopted an ex-post facto research design from the quarterly time series data generated from the Central Bank of Nigeria statistical bulletin on

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C BHARGAVA. "A Study on Customer Awareness and Usage of Payments Bank and Neo banks in Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 205–14. http://dx.doi.org/10.53422/jdms.2023.101627.

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The banking and financial sector has evolved over the years to meet the changing needs of the economy and industries, leading to the birth of innovative financial instruments. The Reserve Bank of India introduced payment banks to promote digital, paperless, and cashless banking in the country. Payment banks offer basic banking services to unbanked and underbanked individuals, particularly migrant workers and those from lower-income households, and bring them into the formal economy. The trend towards digital payments and net banking has increased, especially after the impact of demonetization

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Ahmad Shakir, Imran, and Tariq Iqbal Khan. "Green Human Resource Management Practices: A Study on The Banking Sector of Pakistan." International Journal of Economics and Business Issues 2, no. 2 (2023): 22–32. http://dx.doi.org/10.59092/ijebi.vol2.iss2.33.

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This study focuses on the importance of Green Human Resource Management (GHRM) practices in managing environmental concerns. We collected data from 204 respondents across seven sample banks using a semi-structured questionnaire and analyzed it using the SPSS software. Our findings suggest that although all selected banks are aware of ecological issues and try to implement green practices in their regular activities, few have a formal green policy. We also identified challenges organizations face in implementing GHRM practices, including outdated technology, high initial investment, ineffective

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Alaraj, Abdal Hafeth. "Challenges of Implementing Agile Methodology in the Jordanian Banking Sector." European Scientific Journal, ESJ 21, no. 10 (2025): 146. https://doi.org/10.19044/esj.2025.v21n10p146.

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Traditional banking operations must be changed because financial industry dynamics and customer demands have started to transform the market. Financial institutions use Agile methods which were created for software development to increase operational efficiency while boosting customer satisfaction levels. Multiple challenges persist for Jordanian banks when they attempt to implement Agile methodologies. The main obstacle stems from employees who resist change. Regulatory demands together with the intricate nature of system integration prove to be big obstacles for organizations. Several bankin

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Hardana, Andrean Eka, Destyana Ellingga Pratiwi, Dian Islami Prasetyaningrum, Sugeng Riyanto, and Mangku Purnomo. "Study of microfinance farmer to make decision for formal and informal credit." E3S Web of Conferences 306 (2021): 02050. http://dx.doi.org/10.1051/e3sconf/202130602050.

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The study aimed to identify the microfinance implementation by horticultural farmers and analyze the factors influencing the horticultural farmers’ decision to choose the financial institutions. The research location was carried out in two areas, namely (a) Wonomulyo Village, Poncokusumo Subdistrict, Malang Regency, dan (b) Pacet Village, Pacet Subdistrict, Mojokerto Regency. The sample determination was carried out using the Slovin formula using the proportional stratified sampling method. The total sample was 160 farmers. Descriptive and logistic regression analysis (logit) were used to answ

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Tedyono, Rico, Muhammad Madyan, and Iman Harymawan. "The Leadership Is Given Factors: Fintech Impact in Rural Bank Performance." RSF Conference Series: Business, Management and Social Sciences 3, no. 3 (2023): 440–45. http://dx.doi.org/10.31098/bmss.v3i3.708.

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The small business enterprise sector (SME) has a significant role in the development of the national economy. However, the existence of small businesses is inseparable from a number of problems they face, namely the problem of capital and the difficulty of access to sources of financing from formal financial institutions, especially banks, and the small opportunity to get business opportunities. Rural Banks have a very important role in overcoming capital problems faced by businesses in Indonesia so researchers are motivated to conduct research on Rural Banks in applying financial technology.

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Peebles, Gustav. "REHABILITATING THE HOARD: THE SOCIAL DYNAMICS OF UNBANKING IN AFRICA AND BEYOND." Africa 84, no. 4 (2014): 595–613. http://dx.doi.org/10.1017/s0001972014000485.

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ABSTRACTIf a thriving capitalist economy relies on the innumerable small deposits of savings that local people place in banks, then ‘unbanking’ represents a threat to just such an economy. And yet, across the globe, billions remain outside the formal banking sector, thereby reducing the ability of formal banks to set these savings in motion. This unbanking has been the subject of many reports and studies by economists, corporations and non-profit organizations, but unbanking never seems to diminish. Indeed, by all accounts, it continues to thrive. In order to offer an alternative explanation f

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Bassey, Nsikan Ede, Otu William Ibok, and Esu-Amba Antakikam Amba. "The Effect of Selected Financial Indicators on Formal Agricultural Credit Supply in Nigeria." International Journal of Management Sciences and Business Research 3, no. 09 (2014): 01–08. https://doi.org/10.5281/zenodo.3457671.

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This study examines the effect of selected financial indicators on formal agricultural credit supply in Nigeria. Time series data obtained from CBN covering the period 1970-2011 were employed in the study. Data were analyzed using Cointegration and error correction model. The data was first examine for unit roots using the Augmented Dicky Fuller (ADF) test, result which shows that only loan to deposit ratio was stationary at level while the other variables were stationary at first difference. Findings further revealed that loan to deposit ratio, loan to other sectors and previous volume of loa

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Rasheed, Burhan, Zohair Farooq Malik, Amer Shakeel, and Syed Taha Fraz Haider Kazmi. "Evaluating the State Laws and Regulations of Microfinance Institutions (MFIs) in Asia: A Comparative Study." Audit and Accounting Review 1, no. 2 (2021): 91–110. http://dx.doi.org/10.32350/aar.12.05.

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This study evaluates the laws and regulations of Microfinance Institutions (MFIs) in Asia. It compares the regulatory framework of MFIs with institutional development and macroeconomic perspective and concludes that central banks control formal MFIs by applying legislation. Conversely, semiformal MFIs are regulated and controlled by a government body or an apex organization. Unfortunately, informal MFIs are not regulated at all. It was observed that even though regulations are effective; however, the ownership structure, governance, and internal controls are not adequate and appropriate for al

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Dhungana, Bharat Ram, Sushma Gautam, Deepesh Ranabhat, Deepak Ojha, Keshav Lamichhane, and Sujana Acharya. "Identifying the Determinants of Dividend Payout Ratios in Nepalese Commercial Banks." Journal of Business and Social Sciences Research 9, no. 1 (2024): 1–16. http://dx.doi.org/10.3126/jbssr.v9i1.67984.

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The banking sector in Nepal has experienced significant growth since its formal inception, playing a crucial role in the country's economic development. This study aims to explore the factors influencing the dividend payout ratio in commercial banks of Nepal. The research is based on secondary data to analyse the commercial banks operating in Nepal. Quota sampling was employed to select seven banks, and data were analysed using descriptive and analytical research designs, along with statistical tools like regression analysis. The findings reveal that liquidity ratio and bank size have a signif

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Yeo, Nannein. "DEVELOPMENT OF FINANCIAL INSTITUTIONS AS A FACTOR OF INCLUSIVE GROWTH IN THE REPUBLIC OF CÔTE D’IVOIRE." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 8/2, no. 139 (2023): 68–75. http://dx.doi.org/10.36871/ek.up.p.r.2023.08.02.007.

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There are important limitations and shortcomings in the financial sector of African countries that hinder economic growth and development. Consequently, further improvements in the financial sector at the national and regional levels are needed to unlock the potential for inclusive growth and sustainable development of the Republic of Côte d’Ivoire. The results of the study showed that the banking structure of the country excludes significant segments of the population from households and enterprises, since it provides only a narrow set of formal financial markets, institutions and instruments

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Madhuri, A., and K. Raji Reddy. "Equity Analysis Of It & Banking Sector At Monarch Networth Capital Ltd." Think India 22, no. 3 (2019): 329–35. http://dx.doi.org/10.26643/think-india.v22i3.8259.

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In the genuine climate’s unending phylogeny Indian tuppenny, amidst the opposite profitable institutions, the apportionment digs has adorn assent to of a mischievous unstintingly-spring of possessions for Eternally majority assortment of investors ranging foreigner beamy institutional investors to condensed distinction punter . Weird obsolete cycle forthwith second-forswear chap worn to vestments reward ripsnorting in helter-skelter daring and greatly loyal solvent institutions and apparatus ventilate in and Formal area Banks, Administration Restriction and policies etc., today’s investors att

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Maity, Sudarshan, and Tarak Nath Sahu. "Role of public sector banks towards financial inclusion during pre and post introduction of PMJDY: a study on efficiency review." Rajagiri Management Journal 14, no. 2 (2020): 95–105. http://dx.doi.org/10.1108/ramj-03-2020-0009.

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Purpose An inclusive financial system is essential to develop the country’s economy. A massive shift in financial inclusion was observed by the initiative of government to include financially excluded into the formal financial system by launching Pradhan Mantri Jan Dhan Yojana (PMJDY) in 2014. This paper aims to attempt to examine the efficiency of public sector banks in financial inclusion during pre and post introduction of PMJDY. Design/methodology/approach The data envelopment analysis is used to measure the efficiency of the banks towards financial inclusion for the periods, 2010–2011 to

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Ndiaye, Moustapha. "The digital economy and Africa’s informal sector: how are technologies being appropriated." Uirtus 5, no. 1 (2025): 460. https://doi.org/10.59384/uirtus.2025.2635.

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The informal sector in Africa, within endogenous logics of African societies, incorporates digital technologies. This sector, being considered as offside compared to the official and formal economy, maintains relationships complex and further than adaptation or accommodation to these technologies. In fact, singular, creative and contextualized practices are emerging. The contribution focuses on issue of appropriating digital devices in Africa’s non formal sector. How do digital tools affect interactions within sector? How do informal sector actors, particularly women, use digital tools? Does i

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Poswal, Yasser Ibrahim, and Farida Siddiqui. "Financial Inclusion in Jammu & Kashmir: An Assessment of Pradhan Mantri Jan Dhan Yojana." Saudi Journal of Economics and Finance 6, no. 9 (2022): 294–300. http://dx.doi.org/10.36348/sjef.2022.v06i09.001.

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There has been an intensive debate about the improvement in accessibility of financial services through PMJDY in India. After almost eight years of its inception, there is still a significant section of population, particularly in rural and unbanked part of the country which is not linked with the formal financial system. This paper attempts to assess the performance of PMJDY scheme, generally in India and particularly in Jammu and Kashmir. The public sector banks are the dominant players in implementing this scheme across the country, but in Jammu & Kashmir, private sector banks are leadi

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Abate, Misrak Tesfaye, and Ratinder Kaur. "BANKING SECTOR IN ETHIOPIA: ORIGIN AND PRESENT STATE." EPH - International Journal of Business & Management Science 9, no. 2 (2023): 1–13. http://dx.doi.org/10.53555/eijbms.v9i2.134.

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Ethiopia’s formal (regulated and controlled) financial sector comprises banks, insurers, microfinance institutions, and capital goods finance companies. The banking sector in Ethiopia is an integral part of the financial sector in particular and the economy as a whole. Its contribution to the country's macroeconomic stability and growth objectives is evident. This research paper aims to provide insight into the origin and development of the banking sector in Ethiopia, as well as its current structure, regulatory framework, performance, and status quo. The study is entirely based on the review

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Bradul, Oleksandr, Vira Shepeliuk, and Marian Yunatskyi. "Budgeting as an element of management accounting in the banking sector during martial law." Economic Analysis, no. 35(1) (2025): 122–36. https://doi.org/10.35774/econa2025.01.122.

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Introduction. In the current conditions of global economic instability, in particular as a result of military conflicts, there is a need to adapt the financial system to new challenges. An important component of such a process is the development of effective accounting policies for banks and budgeting, which allows ensuring financial stability and continuity of banking operations. At the same time, in the context of sustainable development and European integration processes, legal mechanisms for ensuring economic security are of particular importance, which affect not only economic stability,

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Siddharth Jain, Jrf. and Dr. Shree Bhagwat. "Performance and Strategic Relevance of Merchant Banking in India’s Evolving Financial Landscape: A Review." International Journal of Latest Technology in Engineering Management & Applied Science 14, no. 4 (2025): 727–33. https://doi.org/10.51583/ijltemas.2025.140400084.

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Abstract: This study offers an in-depth review of the performance and strategic importance of merchant banking services in India, contextualized within the country's evolving financial ecosystem. The historical evolution of merchant banking is traced from its origins in medieval Europe to its formal emergence in India during the late 1960s. Initially focused on issue management, merchant banking in India has expanded to encompass a broad spectrum of financial services such as underwriting, portfolio management, corporate advisory, and mergers and acquisitions. Adopting a descriptive and analyt

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Vržina, Stefan. "Disclosure of tax risk in financial statements: The case of banks in the Republic of Serbia." Bankarstvo 50, no. 4 (2021): 10–35. http://dx.doi.org/10.5937/bankarstvo2104010v.

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An increasing number of companies has been paying attention to tax risk in the last decade. Tax risk may arise as a result of unintentional employee mistakes when calculating tax burden, but also as a result of implementation of risky tax avoidance strategies. Research in this paper is conducted in order to study the determinants of disclosure of tax risk in banks in the Republic of Serbia. Therefore, the research captured twenty-six banks in the period between 2018 and 2020. Results show that most banks disclose information on tax risk, though they are only formal and generalized. In addition

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Narayanan, Sudha, and Nirupam Mehrotra. "Loan Waivers and Bank Credit: Reflections on the Evidence and the Way Forward." Vikalpa: The Journal for Decision Makers 44, no. 4 (2019): 198–210. http://dx.doi.org/10.1177/0256090919896873.

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Executive Summary In the past decade, farm loan waivers have become a policy instrument to alleviate the financial distress of farmers. Despite agreement on the theoretical rationale for such debt forgiveness and its deep contextual relevance, many fear that in the long run, loan waivers might vitiate the repayment culture in the farm sector and undermine the financial status of banks. At present, critiques of large-scale loan waivers rest on limited evidence. This article reviews and synthesizes existing research and available data on the implications of loan waivers, especially for the flow

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Prasanna, S. H., and S. Rajunaik. "India's Co-operative Banks on the Route to Financial Inclusion." Pearl Multidisciplinary Journal 3, no. 2 (2017): 143–49. https://doi.org/10.5281/zenodo.3628119.

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Financial inclusion has increasingly attracted attention of the global community in recent years. The importance of financial inclusion can be explained in terms of maximizing the proportion of population covered by the formal financial sector, to enable the chanelling of funds for productive investment, controlling inflationary tendencies, and monitoring and widening the tax base among other things. This paper looks at the role of the cooperative banking system in promoting financial inclusion. It discusses the genesis of the credit cooperatives supported by the district central cooperative b

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Ratnam, Vijayakumaran, and Sunitha Vijayakumaran. "Institutional reforms and development of corporate governance and banking system in China." Asian Journal of Finance & Accounting 9, no. 2 (2017): 352. http://dx.doi.org/10.5296/ajfa.v9i2.12382.

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The objective of this paper is to review China’ instructional reforms and evaluate its effectiveness based on available empirical evidences with special reference to Chinese corporate governance system and financial system. As part of the wider economic reform initiated in the late 1970s, in the 1980s, the Chinese government adopted various measures aimed at reforming state owned enterprises (SOEs). These mainly include managerial autonomy, a management responsibility system, corporatization and partial privatization of former SOEs. In addition, the Chinese government took various steps to enh

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Alińska, Agnieszka, and Izabela Czepirska. "The Development of Payment Services as an Example of Disintermediation in the Financial System." e-Finanse 12, no. 2 (2016): 60–73. http://dx.doi.org/10.1515/fiqf-2016-0144.

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Abstract The reasons for disintermediation in the financial systems can be found on both sides of supply and demand. This progressing phenomenon is a result of numerous changes in the post-crisis financial sector landscape. In this article, the authors analyse the underlying causes of the shift away from formal financial institutions in the area of financial services as well as present the Polish payment services market as an example of banks’ receding role in the traditional intermediation between market players.

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Pomerai, Matilda, and Sailas P. Mangwende. "Nature of Rural Women’s Financial Exclusion in Zimbabwe." International Journal of Research and Innovation in Social Science VIII, no. IV (2024): 1770–76. http://dx.doi.org/10.47772/ijriss.2024.804126.

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Most rural women in the developing world are financially excluded from the formal financial sector. The purpose of this paper is to give an overview of rural women’s financial exclusion in developing nations. Causes of rural women’s financial exclusion is discussed. This helps governments, agro-based companies, banks and development partners to understand the extent of rural women’s financial exclusion so that measurements to address such issues can be made. A desk research was used to carry out the study. Most literature show that rural women in Zimbabwe do not have the Know Your Customer (KY

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G.Kalaiarasan. "A Study on Pradhan Mantri Jan Dhan Yojana and Its Role in Fostering Financial Inclusion in India." Shanlax International Journal of Commerce 7, S1 (2019): 156–60. https://doi.org/10.5281/zenodo.3412552.

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India has always been a booming market for the financial activities of both commercial banks and the public sector banks. But have all sects of the Indian society been able to access these financial services? With the liberalization policy embarked by the government in 1991, private banks started to emerge out and the already existing public sector banks started to spread its services to reach out to every part of the society. All these efforts helped significantly to remove the myth of banks being a place only for the rich and business class people from the minds of commoners. But however, su

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Timsina, Neelam, and Radhe Shyam Pradhan. "Effects of Bank Lending on Economic Growth in Nepal." Journal of Advanced Academic Research 3, no. 3 (2017): 53–75. http://dx.doi.org/10.3126/jaar.v3i3.16810.

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This study examines the effects of commercial bank lending on economic growth in Nepal. The study has conducted correlation and regression analysis using panel data of twenty four commercial banks during the period of 1996 -2015. The empirical results show that bank lending has positive effects on the economic growth in Nepal. The study implies that the policy makers should focus their attention more on the development of formal sector financing, adequate development of modern banking sector, development of efficient financial market and infrastructures and establishment of interest sensitive

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Brůna, Karel, and Naďa Blahová. "Systemic Liquidity Shocks and Banking Sector Liquidity Characteristics on the Eve of Liquidity Coverage Ratio Application - The Case of the Czech Republic." Journal of Central Banking Theory and Practice 5, no. 1 (2016): 159–84. http://dx.doi.org/10.1515/jcbtp-2016-0008.

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Abstract The paper contains an analysis of the economic and regulatory concept of bank liquidity in the context of systemic liquidity shock. A formal model analysis shows that the application of liquidity coverage ratio (LCR) based on Basel III will lead to a significant adaptation of banks liquidity management. LCR causes a change in bank’s liquidity allocation and funding to be less effective and more costly and restrictive for providing credits comparing with economic determinants. It is demonstrated that the application of LCR underestimates actual liquidity position of a bank and leads to

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NAILI, Hassiba, and Mohammed HABBAR. "USING FINANCIAL TECHNOLOGY APPLICATIONS AND ARTIFICIAL INTELLIGENCE IN DEVELOPING THE BANKING SECTOR." RIMAK International Journal of Humanities and Social Sciences 05, no. 02 (2023): 527–41. http://dx.doi.org/10.47832/2717-8293.22.31.

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The trend towards financial technology and artificial intelligence has become the dominant feature in providing banking services and managing banking activity, as this modern trend imposed by the technological revolution in recent years has allowed radical changes in the structure of banking services and customer interaction patterns, and there fore most banks seek to invest in Applications of financial technology and artificial intelligence and entering into partnerships with merging companies to improve their competitiveness and increase reliance on modern technology in providing banking ser

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AGUEY, Segnon, Yézidou ALI, and Akoété Ega AGBODJI. "Effets de la stratégie de relance post-covid-19 de la BCEAO sur les agrégats économiques au Togo." Revue Internationale des Économistes de Langue Française 6, no. 2 (2021): 183–215. http://dx.doi.org/10.18559/rielf.2021.2.9.

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The consequences of the anti-COVID-19 barrier measures have been damaging to economic activity. In order to stimulate economic recovery, BCEAO is proposing a 20% reduction in its target rate (2.5% to 2%). Our study offers a pre-assessment of the effects of this monetary policy on economic aggregates in Togo. Using a DSGE model based on the restrictions of the informal sector on access to credit, we analyze the transmission channels of the cut in the BCEAO target rate to the economy. The 20% reduction in the target rate generates a drop in the lending rate for commercial banks about nearly 3%,

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Olawumi, Ojo Rufus, and Sola Ogungbenle. "A Dynamic Panel Analysis of Drivers of Output Growth in the Nigerian Manufacturing Firms." European Scientific Journal, ESJ 14, no. 19 (2018): 222. http://dx.doi.org/10.19044/esj.2018.v14n19p222.

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Regardless of the efforts of government to revamp the manufacturing sector in Nigeria, the sub-sector has remained ineffective with dwindling output and there have been consistent fluctuations in the share of the manufacturing sub-sector to Gross Domestic Product (GDP) in Nigeria. This study therefore examines the determinants of output growth in the Nigerian formal manufacturing sub-sector. The study made use of fifty (50) formal manufacturing firms listed in the Nigerian Stock Exchange Data for the formal manufacturing firms were sourced from the Nigeria Stock Exchange (NSE) Fact Book and th

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Ghosh, Taniya. "The Sectoral Impact of Monetary Policy Transmission in India: A Panel VAR Approach." Emerging Economy Studies 5, no. 1 (2019): 63–77. http://dx.doi.org/10.1177/2394901519826705.

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A structural panel vector autoregression (VAR) analysis is done to analyze the impact of monetary policy shock on people associated with various occupations. To understand the efficacy of bank lending channel, it is important to capture the differential occupation-wise effect of interest rate. The article finds that due to a monetary policy shock, the impulse responses capture the movement of loans in theoretically expected direction in most cases. The Granger causality tests successfully establish the long-run relationship between loans and interest rate. Also, the empirical results of good-p

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Adil, Fareeha, and Abdul Jalil. "Determining the Financial Inclusion Output of Banking Sector of Pakistan—Supply-Side Analysis." Economies 8, no. 2 (2020): 42. http://dx.doi.org/10.3390/economies8020042.

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Financial inclusion is the process of including the people who lack formal financial services. The concept of financial inclusion emerged globally in the times of millennium and is defined as the availability and usage of formal financial services. It essentially facilitates economic growth; the financially included individuals can invest in business, education, and entrepreneurship, which can pave way to poverty alleviation and economic development. In the context of Pakistan, a developing economy of South Asia, the financial landscape presents a grim picture of financial inclusion where only

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Ibrahim, Idris, Salami Suleiman, and Luka Mailafia. "BOARD EDUCATION, DIRECTOR'S AGE AND EARNINGS MANAGEMENT OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." Gusau Journal of Accounting and Finance 4, no. 2 (2023): 131–48. http://dx.doi.org/10.57233/gujaf.v4i2.8.

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Utilizing a complete nine-year dataset, this research investigates the link among age diversity among directors, board education qualifications, and earnings management in the context of Nigerian listed deposit money banks. The study was conducted from 2013 through 2021, spanning nine years. Agency theory serves as the underpinning framework for this study. Regression analysis yields strong evidence that the age distribution of directors and the board's educational background impact the profit management of these firms. Specifically, earnings management significantly decreases when there are m

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