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Journal articles on the topic 'Liquidity buffer'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Agustuty, Lasty, and Andi Ruslan. "Determinan Capital Buffer Pada Industri Perbankan Di Indonesia." Movere Journal 1, no. 2 (2019): 164–74. http://dx.doi.org/10.53654/mv.v1i2.43.

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This study aims to analyze the factors that influence capital buffers in the banking industry in Indonesia. Research variables include bank size, liquidity, credit risk, efficiency and profitability as independent variables and capital buffers as the dependent variable. The method used in this study is quantitative research. This research was conducted at public banks on the Indonesia Stock Exchange category BOOK 3 and BOOK 4, with the 2014-2018 research period using multiple linear regression analysis techniques. The results showed that the size of the company did not have a significant effec

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2

Hardy, Daniel, and Philipp Hochreiter. "A Simple Macroprudential Liquidity Buffer." IMF Working Papers 14, no. 235 (2014): 1. http://dx.doi.org/10.5089/9781498305778.001.

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3

Pangestu, Bangkit, and Kartini Kartini. "The Effect of Profitability, Liquidity, and Risk on Capital Buffers in Conventional Banking Companies Listed on The Idx in 2020 – 2022." Jurnal Syntax Transformation 4, no. 10 (2023): 206–19. http://dx.doi.org/10.46799/jst.v4i10.841.

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This research aims to test and analyze the influence of profitability, liquidity and risk on capital buffers in banking companies listed on the IDX in 2020 - 2022. The independent variables in this research are ROA, LDR and NPL. Meanwhile, the independent variable in this research is Capital Buffer. The research approach used is quantitative. The data is secondary data in the form of company financial reports taken from the website www.idx.com. The sampling technique uses a purposive sampling method. The method used in this research is multiple regression analysis, using the SPSS version 25 ap

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4

Sun, Mingyuan. "Biased Decision-Making and Liquidity Buffer in Commercial Banking." Applied Economics and Finance 5, no. 2 (2018): 84. http://dx.doi.org/10.11114/aef.v5i2.2784.

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Few derived versions based on the classic bank run model have taken into account the framing effect of general lenders. The purpose of this study is to revisit the issue and discuss a model of bank run equilibrium combined with biased risk preference, which is applied to analyze how portfolio allocation and liquidity buffer in commercial banks are affected by liquidation cost and the reference point. The results suggest the condition on which the liquidity buffer of a particular bank should provide. Liquidation cost is positively correlated with the lower bound of liquidity buffer. The effect

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5

RIVOT, SYLVIE. "GENTLEMEN PREFER LIQUIDITY: EVIDENCE FROM KEYNES." Journal of the History of Economic Thought 35, no. 3 (2013): 397–422. http://dx.doi.org/10.1017/s1053837213000230.

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This paper deals with the concept of liquidity in Keynes’ theoretical and political writings. First of all, liquidity, according to Keynes, is a concept much more comprehensive than commonly held nowadays: for Keynes, liquidity means more than an easy convertibility, a high marketability (land might have been highly liquid in ancient times). In short, an asset is highly liquid when its value is weakly dependent on a change in our long-term state of expectations. In a second step, this reassessment of liquidity is applied to Keynes’ political writings, in particular to monetary policy and also

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6

Agustuty, Lasty, Abdul Rakhman Laba, Muhammad Ali, and Muhammad Sobarsyah. "Bank Size, Capital Buffer, Efficiency, and Liquidity Risk in Indonesia Banking Industry." International Journal of Innovative Science and Research Technology 5, no. 6 (2020): 1177–83. http://dx.doi.org/10.38124/ijisrt20jun858.

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The purpose of this study is to obtain empirical evidence of the influence of bank size, capital buffer and efficiency on liquidity risk. The research sample is a Conventional Commercial Bank that has a bank asset ratio value above 2% of total national banking assets and publishes financial statements in full during 2004-2019. Data analysis techniques in this study are panel data regression of EViews software. The results showed that bank size has a positive and significant influence on liquidity risk. Capital buffer has a positive and significant influence on liquidity risk. Efficiency that m

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Indra, Putra, Abraham Prima, and Farah Margaretha Leon. "Effect Of Bank And Macro Economic Performance On Bank Capital Supporters In Indonesia." Business and Entrepreneurial Review 19, no. 2 (2019): 137. http://dx.doi.org/10.25105/ber.v19i2.5702.

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<p><em>This study was conducted to examine the effect of bank performance and macroeconomics on capital buffer in banks listed on the Indonesia stock exchange in the 2014-2018 period. There are 26 banks that become the sample of this study after purposive sampling. The capital buffer used is the difference between the Capital Adequate Ratio and the minimum capital determined by the regulator. While the independent variables used consist of bank performance, namely Return on Equity, Bank Size, Liquidity, Non-Performing Loans, Net Profit, Loan Growth and Total Loans over Total Assets

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8

Yustina, Wiwin, Tulus Suryanto, Heni Noviarita, and Erike Anggraeni. "Analysis of Factors Affecting Liquidity of Islamic Banking Listed on the Indonesia Stock Exchange." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 4, no. 1 (2021): 47–61. http://dx.doi.org/10.47467/alkharaj.v4i1.414.

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The purpose of this study is to investigate the effect of Non-Performing Financing, Third Party Funds, Financial To Funding Ratio, Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer on the liquidity of Islamic Banking listed on the Indonesia Stock Exchange List in the 3rd and 4th quarters of 2018 to the 1st and 2nd quarters of 2018. 2019. The research design used is a quantitative approach. The data analyzed is secondary data in the form of quarterly banking financial statements listed on the Indonesia Stock Exchange List for the 3rd and 4th quarters of 2018 to 1st and 2

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9

Aneu Cakhyaneu and Rina Apriyani. "Determinan Capital Buffers Bank Umum Syariah di Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 5 (2022): 760–71. http://dx.doi.org/10.20473/vol9iss20225pp760-771.

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ABSTRAK Penerapan kebijakan Capital Buffer sangat diperlukan untuk meningkatkan kualitas permodalan bank Syariah. Di satu sisi bank menghadapi dilema untuk tetap mempertahankan keamanan modalnya, atau memilih untuk meningkatkan keuntungan usahanya. Adapun tujuan penelitian ini adalah untuk mengetahui Capital Buffer Bank Umum Syariah di Indonesia serta faktor-faktor yang mempengaruhinya dengan menggunakan metode kausalitas melalui pendekatan kuantitatif. Bank Umum Syariah (BUS) sebanyak 14 BUS menjadi populasi, sedangkan untuk sampel diambil sebanyak 12 BUS selama lima tahun dengan tekhnik purp

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10

Makanile, David, and Pastory Dickson. "Determinants of lending behaviour of commercial banks in Tanzania." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 2 (2022): 260–69. http://dx.doi.org/10.20525/ijrbs.v11i2.1638.

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This paper assesses the determinants of the lending of six commercial banks in Tanzania from 2015 to 2019 using a quantitative research design. The data were collected from Annual Reports of the six commercial banks. The results show that liquidity and capital adequacies have a significant relationship with lending, whereas interest rate and management efficiency have no statistically significant influence on lending. Thus, effective policies should be developed to ensure commercial banks grow and be able to advance more credit. Additionally, the banking sector needs to prioritize increasing t

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11

TOH, MOAU YONG, CHRISTOPHER GAN, and ZHAOHUA LI. "BANK DIVERSIFICATION, COMPETITION AND LIQUIDITY CREATION: EVIDENCE FROM MALAYSIAN BANKS." Singapore Economic Review 65, no. 04 (2019): 1127–56. http://dx.doi.org/10.1142/s0217590819500103.

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This paper examines the effect of bank competition on bank liquidity creation and explores whether the effect varies by the diversification level of banks, using a sample of Malaysian banks from 2001 to 2017. Our preliminary analysis shows that the aggregate, on- and off-balance sheet liquidity creation of banks decreases when their market power drops, suggesting an adverse effect of bank competition on bank liquidity creation. However, the adverse effect diminishes or disappears for highly diversified banks, and this result holds for both asset and income diversification. The results identify

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12

Zakoyan, Harutyun Varazdatovich. "LIQUIDITY MANAGEMENT POLICY IN COMMERCIAL BANKS." Annali d'Italia 47 (September 20, 2023): 17–23. https://doi.org/10.5281/zenodo.8364895.

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The Policy has been developed in order to organize and coordinate the efforts aimed at establishing and maintaining a system of the liquidity management in commercial banks (hereafter the bank). Implementation of all the regulations of the Policy will enable to create an up-to-date system of liquidity management which will ensure a stronger control over the level of liquidity risk undertaken by the bank, as well as to improve the quality of the liquidity risk management.

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13

Estika, Winda Febi, and Setyo Tri Wahyudi. "DETERMINAN CAPITAL BUFFER: KAJIAN EMPIRIK INDUSTRI PERBANKAN DI INDONESIA." Contemporary Studies in Economic, Finance and Banking 2, no. 4 (2023): 715–27. http://dx.doi.org/10.21776/csefb.2023.02.4.13.

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A high capital buffer can increase stakeholder confidence in the sustainability and stability of the bank, but causes the bank to lose the opportunity to maximize profits from business operations that should be carried out using a capital buffer. On the other hand, a low capital buffer can reduce stakeholder confidence in banks, because banks are considered to have a high risk if the economy contracts in the future. The purpose of this research is to identify and analyze the effect of bank size, liquidity risk, credit risk, operational risk, and profitability on capital buffer in KBMI 3 and 4

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14

Adamgbo, Dr S. L. C., Prof A. J. Toby, Dr A. A. Momodu, and Prof J. C. Imegi. "Modeling Bank Capital Adequacy Dynamics and Liquidity Risk Management, Empirical Evidence from the Nigeria Commercial Banks." International Journal of Contemporary Research and Review 10, no. 07 (2019): 21563–71. http://dx.doi.org/10.15520/ijcrr.v10i07.715.

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This study examines the effects of Capital adequacy on liquidity risk management practices in Nigeria. The secondary time series data were obtained from the annual reports of the fifteen (15) quoted commercial banks in Nigeria as compiled from the Nigeria Stock Exchange Fact book for the period 1989 to 2015. The independent variables capital adequacy are categorised under Tier I, Tier II to total risk assets, capital conservation buffer (CCB), Minimum total capital (MTC) and counter-cyclical Buffer (CCyB). The dependent variable Liquidity risk was modelled with the five variants of capital ade

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15

Ghosh, Saibal. "Capital Buffer, Credit Risk and Liquidity Behaviour: Evidence for GCC Banks." Comparative Economic Studies 58, no. 4 (2016): 539–69. http://dx.doi.org/10.1057/s41294-016-0005-1.

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16

Budiastuti, Maulidina Nur, Harya Kuncara Wiralaga, and Siti Fatimah Zahra. "ANALYSIS INFLUENCE INSTRUMENT POLICY MACROPRUDENTIAL TO COMMERCIAL BANK LIQUIDITY IN INDONESIA IN THE 2018 PERIOD." Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi 3, no. 2 (2022): 195–203. http://dx.doi.org/10.21009/jpepa.0302.13.

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Liquidity is an important aspect that can be considered a bank's lifeblood. To maintain business continuity, banks must always manage liquidity effectively. Liquidity easing is one strategy to assist economic growth during the COVID-19 epidemic. Where macroprudential policies are used to ease liquidity restrictions. As a means of promoting economic growth, the government seeks to induce greater lending to debtors. This easing of liquidity, on the other hand, is thought to help maintain bank operations solvent. This easing of liquidity during the pandemic was carried out by reducing the reserve

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17

Budiastuti, Maulidina Nur, Harya Kuncara Wiralaga, and Siti Fatimah Zahra. "Analysis of the Effects of Macroprudential Policy Instruments on Commercial Bank Liquidity in Indonesia 2018-2021 Period." International Journal of Multidisciplinary Research and Literature 1, no. 5 (2022): 516–25. http://dx.doi.org/10.53067/ijomral.v1i5.57.

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Liquidity is an important aspect that can be considered a bank's lifeblood. To maintain business continuity, banks must always manage liquidity effectively. Liquidity easing is one strategy to assist economic growth during the COVID-19 epidemic. Where macroprudential policies are used to ease liquidity restrictions. As a means of promoting economic growth, the government seeks to induce greater lending to debtors. This easing of liquidity, on the other hand, is thought to help maintain bank operations solvent. This easing of liquidity during the pandemic was carried out by reducing the reserve

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18

Vodová, Pavla. "Liquidity of Czech and Slovak commercial banks." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 60, no. 7 (2012): 463–76. http://dx.doi.org/10.11118/actaun201260070463.

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As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sampl

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19

OLIINYK, ANDRIY. "ESTIMATION OF CREDIT RISK LOSSES AND MODELING OF BANK LIQUIDITY RISK." Herald of Khmelnytskyi National University 294, no. 3 (2021): 323–32. http://dx.doi.org/10.31891/2307-5740-2021-294-3-53.

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The recent crisis in the banking system has shown that the functions of banking risk management have not been given sufficient attention. This jeopardized the efficiency of the entire domestic banking system. Insufficient efficiency of the risk assessment and modeling system in domestic banks has led to a number of negative consequences for the Ukrainian economy as a whole. Therefore, the problem of developing scientific and methodological approaches to the assessment and modeling of banking risks is relevant and of practical importance. The purpose of the article is to assess credit risk loss

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20

Jagtap, Milind. "Predicting Penetration of the Project Buffer Time of Critical Chain Project Management (CCPM) Using a Linear Programming Approach." IIM Kozhikode Society & Management Review 9, no. 2 (2020): 143–51. http://dx.doi.org/10.1177/2277975219896499.

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Managing the disruptions in projects is a challenging task for project managers. In this respect, critical chain project management (CCPM) has been considered as a promising methodology in expediting projects. However, the effectiveness of this methodology is often lost in search of optimal use of project buffers to hedge against delays occurring in the critical chain. The more critical chain activity gets delayed, the greater is the likelihood of penetration of project buffer time. The resource constraints of critical chains have been considered as a major determinant of project buffer penetr

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21

Hosen, Muhammad Nadratuzzaman, and Syafaat Muhari. "Liquidity and Capital of Islamic Banks in Indonesia." Signifikan: Jurnal Ilmu Ekonomi 6, no. 1 (2017): 49–68. http://dx.doi.org/10.15408/sjie.v6i1.4405.

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This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving

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22

N. Masdjojo, Gregorius, Titiek Suwarti, Cahyani Nuswandari, and Bambang Sudiyatno. "The relationship between profitability and capital buffer in the Indonesian banking sector." Banks and Bank Systems 18, no. 2 (2023): 13–23. http://dx.doi.org/10.21511/bbs.18(2).2023.02.

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This study examines profitability as a mediating variable to explore variables that affect the capital buffer in commercial banks. The research population is conventional commercial banks operating in Indonesia, with an observation period of 2017–2020. A purposive sampling method was used, during which 90 observations were found. Data analysis used multiple regression and the Sobel test to test for the mediating role of profitability. The results show that profitability acts as a mediating variable for non-performing loans and the ratio of loans to deposits in the capital buffer. Therefore, it

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23

Reydatus Rafiawan Akbar and Nera Marinda Machdar. "Kinerja Saham dalam Konteks Determinan Pasar Keuangan di Perusahaan Energi." Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi 3, no. 1 (2024): 134–43. https://doi.org/10.61132/anggaran.v3i1.1075.

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This study examines the effect of market risk, investor sentiment, and interest rates on the performance of energy sector stocks in Indonesia for the period 2019–2023, with market liquidity as a mediating variable. The study was conducted through a literature review by identifying and analyzing various related studies. Secondary data was obtained from scientific journals and related reports using relevant literature selection techniques. The results of the study indicate that oil price volatility, investor sentiment, and interest rate changes significantly affect the performance of energy sect

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Ben Jedidia, Khoutem. "Profit- and loss-sharing impact on Islamic bank liquidity in GCC countries." Journal of Islamic Accounting and Business Research 11, no. 9 (2020): 1791–806. http://dx.doi.org/10.1108/jiabr-10-2018-0157.

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Purpose The purpose of this paper is to empirically assess the impact of the principle of profit- and loss-sharing (PLS) on the exposure to liquidity risk of Islamic banks in Gulf Corporation Council (GCC) countries. The Islamic bank activity is distinguished by a PLS principle, which is likely to involve specificities in the bank liquidity issue. Design/methodology/approach This paper investigates the determinants of Islamic bank liquidity over the period 2005–2016 using a panel of 23 Islamic banks in GCC. The system of generalized method of moment estimators is applied. Findings The findings

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25

Obadire, Ayodeji Michael, Vusani Moyo, and Ntungufhadzeni Freddy Munzhelele. "Basel III Capital Regulations and Bank Efficiency: Evidence from Selected African Countries." International Journal of Financial Studies 10, no. 3 (2022): 57. http://dx.doi.org/10.3390/ijfs10030057.

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The core function of a commercial bank is the provision of credit facilities to its customers and to keep the flow and cycle of economic and financial resources balanced. Banks can only perform these functions if they are well regulated and efficient. The main focus of this study is to analyse the efficiency of African banks, most importantly after the 2008 global financial crisis when the Basel III regulations were popularly adopted by banks globally. The research focus was examined in two ways, the first part focused on investigating the impact of the Basel III capital regulations on the ope

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Benito, Andrew, and Haroon Mumtaz. "EXCESS SENSITIVITY, LIQUIDITY CONSTRAINTS, AND THE COLLATERAL ROLE OF HOUSING." Macroeconomic Dynamics 13, no. 3 (2009): 305–26. http://dx.doi.org/10.1017/s1365100508080061.

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We estimate consumption Euler equations using U.K. household-level data, employing a switching regression technique. We find excess sensitivity to income for one group of households but not for a second group. The likelihood of excess sensitivity is greater for the young, those without liquid assets, the degree-educated, ethnic minorities and those with negative home equity, consistent with liquidity constraints and buffer-stock saving. Housing capital gains affect the consumption plans of the excess sensitivity group of households, but not the other group. These results are consistent with a

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Fombang, MccPowell, and Richard Wamalwa Wanzala. "Mozambican commercial bank liquidity and its determinants." EUREKA: Social and Humanities, no. 6 (November 30, 2023): 61–72. http://dx.doi.org/10.21303/2504-5571.2023.003245.

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Despite the Central Bank of Mozambique's best efforts to assist commercial banks through a range of policies and regulations, the majority of these banks have been unable to satisfy their liquidity obligations on time, resulting in unacceptably large losses that have forced mergers or necessary resolutions. Thus, the purpose of this study was to determine the factors that affect Mozambican commercial banks' liquidity using bank-specific and macroeconomic data from 2013 to 2022. Data was analysed using unbalanced panel regression analysis (PRA). Specific bank data were gathered from a sample of

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JOSHUA NGILA ZAKAYO, JOSHUA NGILA ZAKAYO, Dr Faraji Yatundu Dr.Faraji Yatundu, and Dr Daniel Ndungu Dr.Daniel Ndungu. "Capital Adequacy, Bank Size and Liquidity Risk of Deposit Taking Microfinance Banks in Kenya." Journal of Research in Business and Management 13, no. 6 (2025): 133–48. https://doi.org/10.35629/3002-1306133148.

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Microfinance banks liquidity has been sustained by massive slowdowns in lending that accompanied moratoria on repayments, but should this be extended beyond the initial months, it would effectively push the liquidity crunch onto the low-income communities they are supposed to serve and put the sustainability of the MFBs themselves into question by exposing them to liquidity risks. This study aimed to establish capital adequacy,bank size and the liquidity risk of deposit taking microfinance banks in Kenya. Specifically, the study sought to assess whether capital adequacy influenced the liquidit

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Ali Mustafa, Jamileh. "From innovation to stability: Evaluating the ripple influence of digital payment systems and capital adequacy ratio on a bank’s Z-score." Banks and Bank Systems 19, no. 3 (2024): 67–79. http://dx.doi.org/10.21511/bbs.19(3).2024.07.

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This study investigated the influence of digital payment systems on banks’ stability by exploring their effect on the Z-score of the Jordanian banking sector during the period from 2004 until 2022. It specifically focused on liquidity risks generated from e-payment transactions and how sufficient capital adequacy ratios enhance banking sector stability over both short-term and long-term periods by standing against sudden volatilities yielded from large amounts of transactions executed through digital payment systems. To achieve this objective, the study utilizes time series dual regression ana

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Akbar, Muh Imaduddin, and Muhammaf Ghafur Wibowo. "THE EFFECTIVENESS OF MACROPRUDENTIAL POLICIES IN MITIGATING THE SYSTEMIC RISK IN INDONESIA." Airlangga International Journal of Islamic Economics and Finance 4, no. 2 (2021): 91. http://dx.doi.org/10.20473/aijief.v4i2.27717.

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AbstractThis study aims to investigate the effectiveness of macroprudential policies in mitigating the systemic risk in Indonesia. The study uses quantitative descriptive analysis with the Vector Error Correction Model (VECM) and emphasizes on the impact of two macroprudential instruments applied in Indonesia; Macroprudential Liquidity Buffer (MLB) and Countercyclical Capital Buffer (CCyB) to credit growth for conventional and financing growth for Sharia bank. This study employes monthly data over the periods M12010-M102019 that obtained from Bank Indonesia’s (BI) website (www.bi.go.di) and th

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Rutere, Wamuyu Purity, and Njoka Charity. "FIRM CHARACTERISTICS AND LOAN PERFORMANCE OF DEPOSIT TAKING SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN NAIROBI CITY COUNTY, KENYA." International Journal of Management and Commerce Innovations 11, no. 2 (2023): 73–83. https://doi.org/10.5281/zenodo.10124187.

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<strong>Abstract:</strong><i> </i>The study sought to examine the effect of firm characteristics on loan performance of deposit-taking SACCOs in Kenyan Nairobi City County. Particularly, the study analyzed firm size, liquidity, and capital adequacy effects on loan performance of deposit-taking SACCOs in Nairobi City County. The research was predicated upon credit default theory, information asymmetry theory as well as capital-buffer theory. Panel regression analysis alongside descriptive techniques was adopted. The survey covered 40 Deposit Taking SACCOs that were operational within the p

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AYSAN, AHMET FARUK, SALIH FENDOĞLU, and MUSTAFA KILINÇ. "MACROPRUDENTIAL POLICIES AS BUFFER AGAINST VOLATILE CROSS-BORDER CAPITAL FLOWS." Singapore Economic Review 60, no. 01 (2015): 1550001. http://dx.doi.org/10.1142/s0217590815500010.

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This paper investigates the effectiveness of macroprudential policies introduced by Turkey in late 2010. The unprecedented quantitative easing policies of advanced countries after the global financial crisis have presented serious financial stability concerns for most emerging countries including Turkey. To cope with these challenges, Turkey has devised new policy tools such as asymmetric interest rate corridor and reserve option mechanism. From the perspective of capital flows, the interest rate corridor works mainly through stabilizing supply of foreign funds, and the reserve option mechanis

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Shadbolt, Nicola, Femi Olubode-Awosola, and Bvundzai Rutsito. "RESILIENCE IN DAIRY FARM BUSINESSES; TO BOUNCE WITHOUT BREAKING." JOURNAL OF ADVANCES IN AGRICULTURE 7, no. 3 (2017): 1138–50. http://dx.doi.org/10.24297/jaa.v7i3.6401.

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New Zealand dairy farmers face an increasingly turbulent business environment. To cope with a turbulent environment, they need to have resilient farming systems that have the capacity to better deal with volatility. The main purpose of this study was to develop an understanding of what resilience means for dairy farming and to determine how it might be measured. Resilience can be described as buffer capacity, adaptability and transformability with increasing degrees of change required with each. The research for this paper focused on buffer capacity, the ability of a farming system to bounce w

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Frank, Lehrbass. "Corporate liquidity risk management: Coping with Corona and the clearing obligation." International Journal of Management Research and Economics 1, no. 1 (2021): 1–26. https://doi.org/10.51483/IJMRE.1.1.2021.1-26.

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The European Markets Infrastructure Regulation (EMIR) allows burdening a clearing obligation on non-financial corporations, which formerly did not necessarily clear their business. We give 10 recommendations on how to cope with this obligation. These are motivated by a case study for which we consider a stylized German power producer. For this entity, we derive optimal levels of planned production and forward sales of power using microeconomic theory. Since this results in a significant short position in the German power forward market, we investigate the resulting variation margin call dynami

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Agustuty, Lasty, Riza Praditha, Robert Jao, and Andi Ruslan. "The Influence of Internal and External Factors on Non-Performing Loans In Indonesia's Largest Banking Industry." SENTRALISASI 11, no. 2 (2022): 99–117. http://dx.doi.org/10.33506/sl.v11i2.1699.

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This study aims to measure the effectiveness of internal factor proxies from the aspect of efficiency as measured by the ratio of operating costs and operating income (BOPO), liquidity as measured by the loan-deposit ratio (LDR), bank size as measured by total assets, and aspects of bank capital that measured by the capital buffer and external factors using the Repo Rate, and inflation on non-performing loans in the ten largest banking industries in Indonesia. The sample consists of the 10 largest banks in Indonesia with the criteria of having total bank assets of the total national banking as

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Safi, Buhangu, Paul Munene Muiruri, and Safari Ernest. "Liquidity Management Requirement and Financial Performance of Commercial Banks in Rwanda: A Case of Bank of Kigali." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 7, no. 8 (2021): 01–11. http://dx.doi.org/10.53555/nnbma.v7i8.1020.

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liquidity demands from depositors and borrowers of credit are not too correlated, an intermediary reduces its cash buffer by serving both customers. The study looked at effects of liquidity management requirement on commercial banks' financial performance in Rwanda a case of the bank of Kigali. The study specifically focused on: effect of credit risk, capital requirement, as well as liquidity requirement on banks' financial performance in Rwanda from 2016 to 2020. This research will help the learner get her master’s degree in finance as it is the requirement to get this degree; not only this b

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Sheefeni, Johannes P. S. "Bank Capital Buffers and Bank Risks: Evidence from the Namibian Banking Sector." International Journal of Business and Economic Sciences Applied Research 15, no. 3 (2022): 60–68. http://dx.doi.org/10.25103/ijbesar.153.05.

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Purpose: This paper analysed the effects of bank’s risk on capital buffer in Namibia, in the absence of the consensus on the cyclical behavior of capital buffers. Design/methodology/approach: The study employed the autoregressive distributed lag (ARDL) modelling technique on quarterly data for the period 2001 to 2019. Findings: The study found the following: First, there is a long run relationship between the dependent variable and the independent variables. Second, the study showed that the ratio of NPLs to gross total loans negatively affect capital buffers in the short run, while it positiv

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Miller, Norman C. "Cash-in-advance, buffer-stock monetarism, and the loanable funds-liquidity preference debate in an open economy." Journal of Macroeconomics 14, no. 3 (1992): 487–507. http://dx.doi.org/10.1016/s0164-0704(06)80006-6.

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Gospodarchuk, G. G. "Reserve Capital buffer as an Instrument of Macroprudential Policy." Finance: Theory and Practice 23, no. 4 (2019): 43–56. http://dx.doi.org/10.26794/2587-5671-2019-23-4-43-56.

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The analysis of Basel III main provisions shows that within the macroprudential policy, increasing the financial stability of the banking sector is achieved by growing the capital of banks and creating new tools to solve short-term liquidity problems. The proposed measures seem well developed, except one fact — the quantitative values of the regulatory requirements for growing the bank capital are insufficient to achieve the macroprudential policy objectives. This study aims to develop analytical tools allowing to form quantitative objectives of the macroprudential policy and to deliver them b

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ГЕРЗЕЛИЕВА, Ж. И., Ю. А. ВЛАСОВА та Л. О. АЙВАЗАШВИЛИ. "УПРАВЛЕНИЕ РИСКОМ ИНВЕСТИЦИОННОГО ПОРТФЕЛЯ НА ОСНОВЕ ГОСУДАРСТВЕННЫХ ЦЕННЫХ БУМАГ И ЦЕННЫХ БУМАГ КОМПАНИЙ С ГОСУДАРСТВЕННЫМ УЧАСТИЕМ". Экономика и предпринимательство, № 10(171) (7 жовтня 2024): 482–86. http://dx.doi.org/10.34925/eip.2024.171.10.086.

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В статье сформирован эффективный инвестиционный портфель, подходящий для компаний с ограниченными законодательством и регуляторными требованиями возможностями распределения своего буфера ликвидности, а также для любого инвестора, желающего сохранить распределение своих инвестиций в контуре государственной поддержки. Проводится оценка рисков инвестиционного портфеля, формулируются рекомендации по повышению его эффективности и управлению выявленных рисков. In the article, the authors formed an effective investment portfolio suitable for companies with limited legal and regulatory requirements fo

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Ametefe, Frank Kwakutse, Steven Devaney, and Simon Andrew Stevenson. "Optimal composition of hybrid/blended real estate portfolios." Journal of Property Investment & Finance 37, no. 1 (2019): 20–41. http://dx.doi.org/10.1108/jpif-04-2018-0022.

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PurposeThe purpose of this paper is to establish an optimum mix of liquid, publicly traded assets that may be added to a real estate portfolio, such as those held by open-ended funds, to provide the liquidity required by institutional investors, such as UK defined contribution pension funds. This is with the objective of securing liquidity while not unduly compromising the risk-return characteristics of the underlying asset class. This paper considers the best mix of liquid assets at different thresholds for a liquid asset allocation, with the performance then evaluated against that of a direc

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Cynthia Nambeye and Brian Manchishi. "The impact of credit risk management on financial performance of commercial banks: A case study of AB bank Zambia." World Journal of Advanced Research and Reviews 26, no. 1 (2025): 1464–74. https://doi.org/10.30574/wjarr.2025.26.1.1136.

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This study investigated the effects of credit risk management on the financial performance of AB Bank Zambia for a period 2013-2023. Primary data was collected through questionnaires and Secondary data through the analysis of AB Bank’s annual financial reports. The data was analyzed using correlation, and tables, bar charts which were generated in the Statistical Package for Scientists (SPSS) version 26 The findings revealed that there was a strong negative relationship between non-performing loans (NPL) ratio and profitability. Higher levels of NPL reduces profits of banks. The results showed

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Rozmainsky, I. V., I. V. Malinovskaya, and S. R. Khassenova. "Empirical Testing of the Permanent Income Hypothesis Using Data on France." AlterEconomics 22, no. 2 (2025): 303–19. https://doi.org/10.31063/altereconomics/2025.22-2.7.

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This article tests the permanent income hypothesis (PIH) against contemporary (2006–2019) quarterly data on household income and consumer spending in France. The methodology follows the approaches developed by J. Campbell and N. Mankiw, as well as J. Shea. Specifically, the econometric analysis employs the two-stage least squares (2SLS) method, using predicted values of income and interest rates generated by a set of instruments that include lagged values of the relevant variables. The analysis does not support the permanent income hypothesis using data on France. To explore potential explanat

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Jibril, Mohammed. "Effect Of Firms Attributes On Non-Performing Loans Of Listed Deposit Money Banks In Nigeria." Journal of Corporate Finance Management and Banking System, no. 11 (August 17, 2021): 26–41. http://dx.doi.org/10.55529/jcfmbs11.26.41.

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This study investigates the effect of firm’s attributes on non-performing loans of listed deposit money banks in Nigeria. Firm attributes was proxied by (firms size, liquidity and capital adequacy) while non-performing loans was proxied by (the ratio of non-performing loans to total loan). 2010-2019 were the period under review. The study adopts the ex-postfacto research design. Annual data used in the study were sourced from the fact books of the Nigerian stock exchange and the financial statement of the banks. Descriptive statistics, correlation matrix and the ordinary least square (OLS) mul

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Aslamah, Afidah Nur, and Mohamad Soleh Nurzaman. "PRODUCT INNOVATION SHARIA RESTRICTED INTERMEDIARY ACCOUNT IN ISLAMIC BANKING TO MACROPRUDENTIAL POLICY INSTRUMENT IN INDONESIA." iBAF e-Proceedings 11, no. 1 (2024): 669–90. http://dx.doi.org/10.33102/0kx9jp10.

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The limited availability of islamic banking products in showing their distinctive characteristics in mudharabah contracts is one of the triggers for the slow market share growth which only reached 7.3% as of December 2023. On the other hand, the Sharia Restricted Intermediary Account (SRIA) as an innovation for Islamic banks requires macroprudential policy instruments to be able to maintain financial system stability. This study aims to analyze SRIA product innovation in Islamic banking based on the Concept Note that has been prepared by the National Sharia Economic & Finance Committee on

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Sun, Yemeng, and Guitong Zhang. "Financial Flexibility and Innovation Efficiency: Pathways and Mechanisms in Chinese A-Share Listed Firms (2013–2022)." Sustainability 17, no. 13 (2025): 5787. https://doi.org/10.3390/su17135787.

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Applying the resource-based view and dynamic capability theory, this study employs panel data analysis to examine how financial flexibility influences corporate innovation efficiency from an integrated resource-capability perspective. Analyzing data from Chinese A-share listed companies during 2013–2022, we discovered three key results. First, as an organizational liquidity buffer, financial flexibility reduces transaction costs, enhances incentives for technical talent retention, and better aligns executive compensation with innovation objectives. Second, as a manifestation of financial dynam

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Erkin Uulu, Elmurat. "Inventory Management Systems in the Construction Trade." Universal Library of Business and Economics 02, no. 02 (2025): 32–37. https://doi.org/10.70315/uloap.ulbec.2025.0202008.

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This paper examines modern methods and information technologies for inventory management in the construction trade, aimed at optimizing working capital and ensuring uninterrupted supply to construction sites. The relevance of the study is determined by the fact that inventories of construction materials account for 60–65% of the total estimated cost of a project and maintain the Days Inventory Outstanding ratio at 50–60 days, which exerts significant pressure on contractors’ liquidity and increases the cost of capital servicing. The objective of the work is a systematic analysis of the methods

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Vinhado, Fernando Da Silva, and José Angelo Divino. "Política Monetária, Macroprudencial e Bancos: Evidências Empíricas usando VAR em Painel." Brazilian Review of Finance 13, no. 4 (2015): 691. http://dx.doi.org/10.12660/rbfin.v13n4.2015.51199.

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The objective of this paper is to investigate the relationship between monetary and macroprudential policies and the banking sector of the Brazilian economy, exploiting its cross-section structure as a source of interrelations between systemic aspects of those policies and the behavior of banks. Impulse-response functions are computed from the estimation of panel-VAR for 56 institutions that were active in the Brazilian banking sector between 2001 and 2013. Among the results, we can highlight the influence of monetary and macroprudential policies on levels of exposure to financial risk, capita

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Barcelos, Priscilla Godoy Lobato. "HOW TO MANAGE CASH FLOW AS A MICROENTREPRENEUR: PRACTICAL STRATEGIES FOR FINANCIAL SUSTAINABILITY." Revista ft 29, no. 148 (2025): 16–17. https://doi.org/10.69849/revistaft/ni10202507211216.

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Effective cash flow management is a critical determinant of sustainability and success for microentrepreneurs, who typically operate with limited capital, informal structures, and fluctuating revenue streams. This article explores the core financial challenges faced by microenterprises and presents practical strategies to strengthen their cash flow. Drawing from established financial management literature and empirical studies, it emphasizes the role of a solid business plan in forecasting cash needs, the importance of strict expense control, and the implementation of efficient receivables man

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Kuznetsova, V. V., and O. I. Larina. "Mandatory reserve policy and practice and digital currencies of central banks." UPRAVLENIE / MANAGEMENT (Russia) 13, no. 1 (2025): 38–50. https://doi.org/10.26425/2309-3633-2025-13-1-38-50.

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The issues of required reserves application, which is a traditional instrument of monetary policy, which has other relevant effects for regulators, have been studied. Required reserves act as a liquidity buffer that not only limits credit capacity of financial intermediaries, but can also act as a buffer in times of crisis. Regulators use different models of required reserves application to correct issues in national systems, as well as to obtain the supervised institutions’ response to changes in the models’ parameters. The modern period is characterized by new challenges such as implementati

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