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Journal articles on the topic 'Local cooperative banks'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Golec, Maria Magdalena, and Piotr Płuciennik. "Polish cooperative banks as net lenders in the money market." e-Finanse 13, no. 4 (2017): 27–36. http://dx.doi.org/10.1515/fiqf-2016-0033.

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AbstractDue to the traditional operational model of cooperative banks which is mostly based on financial intermediation, the range of a local bank’s social influence in a given environment is highly dependent on the money transfer balance, that is using local money to satisfy local needs. A typical obstacle to this activity could be observed in Poland, in positive money transfers in those banks understood as the excess of deposits from customers over loans given to them. The purpose of the following paper is to examine this phenomenon in Polish cooperative banks in comparison to credit coopera

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Kata, Ryszard. "RATIONALE BEHIND AND DILEMMAS OVER CONSOLIDATION AND COOPERATION OF COOPERATIVE BANKS IN POLAND." Annals of the Polish Association of Agricultural and Agribusiness Economists XXIII, no. 3 (2021): 43–59. http://dx.doi.org/10.5604/01.3001.0015.2896.

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The study analyses the processes of consolidation of cooperative banks in Poland in 2010-2020 and the cooperation of banks within operating cooperative banking associations. The essence of the processes of consolidation and cooperation of cooperative banks was determined and their premises, scale and effects to date were presented. The main focus was on the analysis of factors determining the need for the further transformation of the cooperative banking sector in Poland and the role that may be played by bank consolidation and various forms of cooperation of cooperative banks in this process.

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Balina, Rafał, and Marta Idasz-Balina. "Drivers of Individual Credit Risk of Retail Customers—A Case Study on the Example of the Polish Cooperative Banking Sector." Risks 9, no. 12 (2021): 219. http://dx.doi.org/10.3390/risks9120219.

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The main aim of the research was to determine the key factors determining the level of credit risk of individual clients (clients in the form of natural persons, excluding companies) on the example of Polish cooperative banks according to the following features: transaction characteristics, socio-demographic characteristics of the customer, the customer’s financial situation, the customer’s history of cooperation with the cooperative bank where they applied for a loan, and the customer’s history of cooperation with other financial institutions. For the research gathered data from 1000 credit a

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Mylonakis, John. "Cooperative Banks in Greece and Small & Medium Enterprises Views at a Time of Credit Constraints." International Finance and Banking 7, no. 2 (2020): 55. http://dx.doi.org/10.5296/ifb.v7i2.17943.

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Cooperative banks are among those credit institutions that have played an important role in the financial systems of many countries, usually operating supplementary to the traditional commercial banks, mainly at regional level and aiming mostly at supporting SMEs financial needs. They provide traditional banking products to local SMEs even in remote areas. The number of Cooperative Banks in Greece has been decreased from originally 16 banks to 6 in the second half of 2020. The scope of this paper is to examine the managers’ views of 158 SMEs towards Cooperative Banks’ support (banking faciliti

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Idasz-Balina, Marta. "Istota i znaczenie narzędzi CSR w opinii zarządzających bankami spółdzielczymi." Zarządzanie Finansami i Rachunkowość 5, no. 3 (2017): 45–57. http://dx.doi.org/10.22630/zfir.2017.5.3.17.

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The purpose of the research was to present solutions used by cooperative banks in implementation of the principles related to the idea of corporate social responsibility and their importance in the opinion of the managers of cooperative banks. The research covered 140 cooperative banks, which accounted for 24.6% of all cooperative banks operating in Poland as of 30 June 2016. Based on the analyzes, it was found that cooperative banks have supported and implemented corporate social responsibility rules and tools since the beginning of their activity. In addition, the respondents pointed out tha

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Azzali, Stefano, Luca Fornaciari, and Tatiana Mazza. "Income Smoothing via Loan Loss Provision in Credit Cooperative Banks." FINANCIAL REPORTING, no. 2 (January 2017): 33–54. http://dx.doi.org/10.3280/fr2016-002002.

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This research investigates whether income smoothing via loan loss provision is lower for Credit Cooperative Banks than for non-Credit Cooperative Banks. Using data collected from the financial reporting of a sample of private banks, and Ordinary Least Square models based on net income or its variation, as used by previous literature, we find that income smoothing through loan loss provision is lower in Credit Cooperative Banks than in banks with different ownership structures. Results remain the same using several robustness tests (decomposition of loans, quality of loans, change in economic g

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Pawlik, Andrzej. "BANK SPÓŁDZIELCZY (COOPERATIVE BANK) AS A GUARANTOR OF THE STABILISATION OF THE LOCAL FINANCIAL SYSTEM1." SCIENTIFIC BULLETIN OF POLISSIA, no. 1(17) (2019): 173–79. http://dx.doi.org/10.25140/2410-9576-2019-1(17)-173-179.

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Urgency of the research. One of the most essential sources of supporting regional and local development is the banking system. Target setting. The study presented describes cooperative banking, represented by Bank Polskiej Spółdzielczości S.A. and Bank Spółdzielczy w Kielcach. The use of the statistical data analysis method allowed to demonstrate the strong position of cooperative banking in the market, fostering regional and local development. Actual scientific researches and issues analysis. The foundations for the modern cooperative banking sector were laid by cooperative financial organisa

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Nisha and Rekha Rani. "Co-operative Banks - A Helping Hands for Small and Medium Entrepreneurs in Saharanpur District." Integrated Journal for Research in Arts and Humanities 4, no. 2 (2024): 20–28. http://dx.doi.org/10.55544/ijrah.4.2.3.

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Co-operative banks are more structured compared to credit associations. While local branches of cooperative banks can pick their own leaders and manage their own tasks, big decisions need to be approved by a main office. Credit associations frequently exercise significant local fundamental leadership, but by joining forces, they can share back-office functions including access to the global payments system. This essay provides background information on cooperative banks and small bank groups. Co-operative banks have more information available than "little establishments" as a whole cooperative

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Idzik, Marcin. "Pozycja konkurencyjna banków spółdzielczych w segmencie mikroprzedsiębiorstw." Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, no. 119 (September 18, 2017): 37–50. http://dx.doi.org/10.22630/eiogz.2017.119.24.

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The objective of this paper is to evaluate the competitive position of the cooperative banks and their ability to create the growth trends and effectively acquire new customers in the micro-company segment. The sources of the empirical data were the results of the nation-wide surveys conducted on a representative sample of N = 800 companies with up to 10 employees and an annual turnover of up to 2 m EUR. The analysis included the market shares, familiarity, brand potential and image as well as the customer satisfaction. The cooperative banks do not fully use their advantages in building their

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Bonfanti, Angelo. "Sviluppo sostenibile in azione: il ruolo delle Banche di Credito Cooperativo nella comunitÀ locale." MERCATI & COMPETITIVITÀ, no. 2 (May 2009): 61–81. http://dx.doi.org/10.3280/mc2009-002004.

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- This paper will analyze the role of Cooperative Credit Banks (CCBs) as actors and promoters of sustainable development within the local community. In particular, the Total Corporate Communication Model (Balmer & Gray, 2000) will be used to present a qualitative exploratory research on the initiatives and interventions undertaken by CCBs in their territories. The communication tools employed by CCBs to promote the value of sustainability will be discussed. The analysis will lead to the identification of potential strategic strengths as well as improvement areas in the CCBs' actions for su

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11

Kata, Ryszard. "ECONOMIC AND FINANCIAL CONDITION OF COOPERATIVE BANKS IN POLAND IN THE LIGHT OF MARKET AND REGULATORY CHALLENGES." Annals of the Polish Association of Agricultural and Agribusiness Economists XXV, no. 4 (2023): 133–50. http://dx.doi.org/10.5604/01.3001.0053.8659.

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The aim of the article is to assess the economic and financial condition of cooperative banks in Poland in 2020-2022, i.e. in the period of deterioration of the conditions of banking activity and the resulting specific market and regulatory challenges. It has been shown that many indicators of the activity of cooperative banks have improved compared to previous years, especially 2017-2019, or reached levels comparable to those recorded in the years of economic prosperity. This applies to e.g. return on assets and return on equity ratios and the loan portfolio quality ratio. Comparison of the f

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Mooij, Joke. "De boerenleenbank in Zuid-Limburg tot 1920." Studies over de sociaaleconomische geschiedenis van Limburg/Jaarboek van het Sociaal Historisch Centrum voor Limburg 63 (January 12, 2023): 134–63. http://dx.doi.org/10.58484/ssegl.v63i12393.

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Cooperative agricultural banks in the south of Dutch Limburg before 1920 Little is known about the dissemination of the cooperative ideas of F.W. Raiffeisen and the early history of the boerenleenbanken in the south of Dutch Limburg. This study explores the structure of regional banking system around 1900 and the actors that were involved in the founding of seven cooperative agricultural banks. Over time all seven have become part of today’s Rabobank Centraal Zuid-Limburg. Archival research shows that these banks provided agricultural business credits as well as social credits within the

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Quintiliani, Andrea. "Stress Tests By The European Banking Authority: The Immunity Of Italian Cooperative Banks." Journal of Applied Business Research (JABR) 33, no. 5 (2017): 873–86. http://dx.doi.org/10.19030/jabr.v33i5.10012.

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Purpose. The objectives of the paper are two-fold. The first objective of the research is formulated with the intent to analyze the existence or not of a possible “European Banking Authority (EBA) effect” on the credit offer of local banks compared with national banks subject to the requests of capital from European Authority. The second research objective aims to understand what are the conditions that allow to develop a model of a local bank capable of supporting SMEs, with a suitable risk-return profile. Methodology. This paper presents an empirical comparative analysis between Cooper

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Agarwal, Priyanka. "Role of Urban Cooperative Banks in Financial Inclusion." ANUSANDHAN – NDIM's Journal of Business and Management Research 2, no. 1 (2020): 20–25. http://dx.doi.org/10.56411/anusandhan.2020.v2i1.20-25.

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Role of financial system makes a country strong and capable to stand out in this competitiveworld financial inclusion become key development parameter to reduce poverty and achieve financial milestones. It catalyzes development activates specially in developing country. This paper studies the role of urban cooperative banks to fill up the gap to access for finance, financial literacy to afford cheap finance for weaker sections of society. Government leaders of developing country making vast effort to expand financial inclusion network by implementing regulatory framework in countries. Financia

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Pluskota, Przemysław. "ROLE OF COOPERATIVE BANKS IN BANKING SERVICE OF LOCAL GOVERNMENT UNITS." Ekonomiczne Problemy Usług 133 (2018): 249–61. http://dx.doi.org/10.18276/epu.2018.133/1-20.

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M.O., Akosile, Olajide D.S., Ogiamien O.F., and Dawodu F.T. "Factors Hindering Agricultural Cooperative Societies in Contributing Adequately to Poverty and Hunger Eradication among the Rural Community Dwellers in Ido-Osi Local Government Area in Ekiti State." Research Journal of Agricultural Economics and Development 2, no. 1 (2023): 14–29. http://dx.doi.org/10.52589/rjaed-va2f1ilv.

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The study examined the factors hindering Agricultural Cooperative Societies from contributing adequately to poverty and hunger eradication among the rural community dwellers in Ido-Osi Local Government Area in Ekiti State. It also determined how the government and other agencies can assist Agricultural Cooperative Societies to sustain inclusive agricultural development and eradicate poverty and hunger among Ido-Osi Local Government Area rural households. The project employed primary data sources; the primary sources were one hundred and twenty self-administered questionnaires, of which ninety

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Kil, Krzysztof, and Ewa Miklaszewska. "Determinanty generowania kredytów gospodarczych w okresie pokryzysowym na przykładzie polskiego sektora banków spółdzielczych." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 2, no. 3 (2015): 143–60. http://dx.doi.org/10.33119/kkessip.2015.2.3.10.

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The post-crisis period stressed the role of small, local banks in corporatelending, particularly for SME, due to such their advantages as being based onrelationship banking and extensive knowledge of local market. However, it isstill unclear whether it is a short or long-term advantage. The aim of this paper isto analyze the factors affecting the size and quality of the loan portfolios of thePolish cooperative banks. In the empirical part, the study is based on statisticaldata and panel research, based on individual balance sheet data for the banksaffiliated to the BPS SA. The results confirm

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Makri, Vasiliki, and Konstantinos Papadatos. "Determinants of Loan Quality: Lessons from Greek Cooperative Banks." Review of Economic and Business Studies 9, no. 1 (2016): 115–40. http://dx.doi.org/10.1515/rebs-2016-0028.

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AbstractThe article focuses on the credit risk of cooperative banks in Greece. The main objective is to define which factors are responsible for variations in loan quality during the period 2003-2014. Loan quality is measured by Loan Loss Reserves Ratio (LLR) and dynamic regression techniques are implemented for the econometric estimations. The outlined results suggest that the macroeconomic environment (i.e. public debt, local unemployment, economic activity and inflation) and the accounting ratios (i.e. past loan quality and profitability) seem to be the explanatory variables of problem loan

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Quintiliani, Andrea. "FINANCIAL CRISIS AND LOCAL BANKS: A REVIEW OF BANK-FIRM RELATIONSHIPS IN ITALY." Corporate Ownership and Control 14, no. 3 (2017): 249–58. http://dx.doi.org/10.22495/cocv14i3c1art10.

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This paper focuses on bank-firm relationship in an economic deeply changing environment. The objectives of the paper are two-fold: to understand, compared to the overall banking system, if the lending activities and economic-financial performances of Italian local banks have changed after the outbreak of the financial crisis; and to understand what are the conditions that allow to develop a model of a local bank capable of supporting the development routes of SMEs, by an appropriate risk/return profile. In order to answer the first research question, the paper presented an empirical analysis,

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Bartolacci, Francesca, Andrea Cardoni, Piotr Łasak, and Wojciech Sadkowski. "An analytical framework for strategic alliance formation between a cooperative bank and a fintech start-up: An Italian case study." Journal of Entrepreneurship, Management and Innovation 18, no. 4 (2022): 115–56. http://dx.doi.org/10.7341/20221844.

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PURPOSE: The paper aims to identify the characteristics of the entities involved, the motivations and the processes of forming strategic alliances between a small cooperative bank and a fintech start-up. The paper bridges the research gap in the literature and explains the success factors of strategic alliance between considered entities. METHODOLOGY: We applied a typical qualitative research approach that consists of two steps. The first step was to develop an analytical framework to understand the critical success factors for the strategic alliance formation between banks and fintech start-u

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Lagoa, Sérgio, and Licínio Prata Pina. "Size and profitability in cooperative banking: a picture from inside a Portuguese institution." CIRIEC-España, revista de economía pública, social y cooperativa, no. 83 (February 26, 2019): 201. http://dx.doi.org/10.7203/ciriec-e.83.13424.

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The European co-operative banks play an important role in promoting savings and in financing small and medium enterprises. Their distinctive characteristics have allowed them to get through the Subprime crisis with remarkable resilience. Nevertheless, co-operative banks operate in a very competitive market, where they are constantly under pressure to improve their position. Increasing the size of local co-operative banks is often the strategy used to deal with this pressure. Based on data from a Portuguese co-operative banking group for 2009-11, we assess the impact of size on assets profitabi

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Barra, Cristian, and Roberto Zotti. "Market power and stability of financial institutions: evidence from the Italian banking sector." Journal of Financial Regulation and Compliance 28, no. 2 (2019): 235–65. http://dx.doi.org/10.1108/jfrc-05-2019-0055.

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Purpose This paper aims to explore the relationship between bank market power and stability of financial institutions in Italy between 2001 and 2012. The authors first test the existence of a U-shaped relationship between market power and financial stability. Second, they regress the market share indicator on bank risk-taking to underline whether financial stability is affected by increasing or decreasing the market power of banks. Third, they explore whether this relationship is affected by the size, level of capitalization and credit insolvency of banks. Design/methodology/approach Relying o

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Cerrone, Rosaria. "Banks’ internal controls and risk management: Value-added functions in Italian credit cooperative banks." Risk Governance and Control: Financial Markets and Institutions 3, no. 4 (2013): 16–27. http://dx.doi.org/10.22495/rgcv3i4art2.

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A critical component of safe and sound bank management is constituted by an effective and efficient system of internal controls, which help to ensure that the goals and objectives of a bank will be met, that long-term profitability targets will be achieved, and maintain reliable financial and managerial reporting. Such a system can also ensure that the bank will comply with laws and regulations as well as policies, plans, internal rules and procedures, and decrease the risk of unexpected losses or damage to the bank’s reputation. The paper describes the essential elements of a sound internal c

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Peediyeckal Devassia, Binu, Sathyapriya Janarthanam, Emiljan Karma, and Mauro Gianfranco Bisceglia. "Cooperative Banking for A Sustainable Social Economy: Insights From Italy." International Journal of Accounting and Economics Studies 12, no. 2 (2025): 121–29. https://doi.org/10.14419/s148r532.

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Purpose: This paper aims to assess the dual objective of financial and social efficiency with a focus on Raiffeisen Cooperative Banks in Italy. Method: An input-oriented Data Envelopment Analysis was used to estimate efficiency scores for each Raiffeisen Cooperative Bank. In the second stage, a regression analysis is performed to relate efficiency scores to factors that investigate their influence on relative efficiency in terms of both financial performance and social impact. Findings: The study's findings revealed significant inefficiencies from a social perspective, while financial efficien

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Guhl, Marcel, and Jeffrey Heidemann. "Preventive Measures by Regional Banks to Increase the Resilience of the Local Population Against Natural Hazards in Germany." Financial Markets, Institutions and Risks 9, no. 1 (2025): 110–22. https://doi.org/10.61093/fmir.9(1).110-122.2025.

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Remarkable examples like the flood in July 2021 in Germany showed that regional banks (savings and cooperative banks) and their strong local network were central pillars for the local population. Regional banks have provided financial aid, resources, and pragmatic solutions in response to the disaster. At the same time, it became visible that the measures implemented were reactive rather than preventive. This aspect has received minimal consideration in scientific discourse. The study addresses two research questions by conducting a comprehensive literature review and employing an exploratory

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PACELLI, VINCENZO, FRANCESCA PAMPURINI, and STEFANIA SYLOS LABINI. "THE PECULIARITY OF THE COOPERATIVE AND MUTUAL MODEL: EVIDENCE FROM THE EUROPEAN BANKING SECTOR." Journal of Financial Management, Markets and Institutions 07, no. 01 (2019): 1940001. http://dx.doi.org/10.1142/s2282717x19400012.

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The crucial role of mutual banks in promoting local development is highlighted by an extensive theoretical and empirical literature. The historical success of mutual banks derives not only from their specific business model, but also from their peculiar and distinguishing corporate governance with member ownership. According to a copious literature, these features have probably allowed mutual banks to better withstand financial crisis. This work compares the cost efficiency of European mutual banks by analyzing a sample which consists of the universe of all the banks operating in Italy, German

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DR, BHADRAPPA HARALAYYA. "LOANS AND ADVANCES WITH REFERANCE TO PKGB BANK." Iconic Research And Engineering Journals 5, no. 1 (2021): 160–70. https://doi.org/10.5281/zenodo.5089671.

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India has a strong and vivid banking region comprising state-owned banks, personal zone banks, foreign banks, monetary establishments and regional banks which consist of cooperative banks, rural banks and local neighborhood banks, In addition there are non-banking financial organizations (NBFCs), housing finance companies, Nidhi companies and chit fund firms which play the function of financial Intermediaries. Since the launch of the economic liberalization and international programmer in 1991, India has significantly comfy banking policies and opened the financial location for distant places

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Oriya, Surabhi H., and Varsha Virani. "Emerging Trends and Opportunities in the Changing Banking Scenario: A Study of Developing Countries." Journal of Social Commerce 3, no. 1 (2023): 1–9. http://dx.doi.org/10.56209/jommerce.v3i1.62.

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A developed banking system is now very well established, including many kinds of banks, including public sector banks, foreign banks, both old and new private sector banks, regional rural banks, and cooperative banks with funding from the Reserve Bank of India. The banking sector is expanding at a rate that has never been seen before, and it is becoming more diverse than at any other time in the history of banking. In most developing nations, bank assets make up well over 80% of all financial sector assets, although these percentages are noticeably lower in established markets. More than two-t

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'Hearn, Brian A. "Could Southern Italians Cooperate? Banche Popolari in the Mezzogiorno." Journal of Economic History 60, no. 1 (2000): 67–93. http://dx.doi.org/10.1017/s0022050700024657.

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Recent work by Robert Putnam has revived a contentious debate about the role of culture in Italian regional disparities. Southern Italy is argued to have been locked in an impoverishing, no-trust equilibrium. This article explores an apparent exception to Putnam's historical evidence: the South's late-nineteenth-century cooperative banks (banche popolari). Econometric investigation reveals important differences in the strategy and performance of these banks in North and South during the crucial decade of the 1890s, and shows that these differences cannot be attributed to differences in the loc

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Magiera, Elżbieta. "Szkolne kasy oszczędności w okresie międzywojennym (1918–1939) w kontekście działań władz oświatowych." Biuletyn Historii Wychowania, no. 32 (February 12, 2019): 35–46. http://dx.doi.org/10.14746/bhw.2014.32.3.

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The first school savings bank came into existence in Ghent, Belgium. It was founded by Francis Laurent in 1866. In Poland, the concept of saiving began to spread in the period of the National Education Commission, which recommended that children “practice thriftiness”. Since the beginning of the 19th century, local attempts to establish school savings banks were undertaken in the Polish lands that had been divided in the partitions. The propagation of thrift developed on a broader scale only after regaining independence, especially after the economic reforms of 1924. The Ministry of Education

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Stopczyński, Andrzej. "Does bank resolution rule out the use of public funds? The case of the Podkarpacki Bank Spółdzielczy." Finanse i Prawo Finansowe 1, no. 25 (2020): 81–104. http://dx.doi.org/10.18778/2391-6478.1.25.06.

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On 15 January 2020 Polish resolution authority made a decision to launch the resolution of a regional cooperative bank. The aim of the resolution was to maintain the service of local government units, considered as the critical function of the bank. The tool used was a bridge bank combined with bail-in to subordinated bonds and unguaranteed deposits, including deposits from local government units. The author is of the opinion that the write-off deposits from public entities was a substitute of the insufficient amount of liabilities contractually eligible for bail-in, served as the instrument e

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Umar, Haruna S., and Emmanuel Peter. "Level of Savings among Maize Farmers in Doma Local Government Area of Nasarawa State, Nigeria." Journal of Agricultural Extension 25, no. 1 (2021): 38–47. http://dx.doi.org/10.4314/jae.v25i1.3s.

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The study examined level of savings among maize farmers in Doma Local Government Area of Nasarawa State, Nigeria. Multistage sampling procedure was used to select 80 respondents in the study area. Primary data were collected using well-structured questionnaire. Data were analyzed using descriptive statistics and Multiple Linear Regression. The results show that half of the respondents (50.0%) were within the age bracket of 21 - 40 years with a mean age of 42 years. Majority (83.8%) of the respondents were married. About 26.2% of the respondents had between 11 and 15 years of farming experience

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Odoh, N. E., S. U. Nwibo, and C. N. Odom. "ANALYSIS OF GENDER ACCESSIBILITY OF CREDIT BY SMALLHOLDER CASSAVA FARMERS IN AFIKPO-NORTH LOCAL GOVERNMENT AREA OF EBONYI STATE, NIGERIA." Continental J. Agricultural Economics 3 (June 16, 2009): 61–66. https://doi.org/10.5281/zenodo.810034.

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The study assessed the gender accessibility of credit by smallholder cassava farmers in Afikpo North Local Government Area (L.G.A.) of Ebonyi State, Nigeria. A multistage random sampling technique was employed to select 120 smallholder cassava farmers used as sample size. Data were collected using questionnaires and interview schedule. Data collected were analysed using both descriptive statistics and ordinary least square regression analysis. From the analysis, it was observed that explanatory variables as gender, age and marital status were statistically significant at 5% and 10% as having s

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K R, Dr Sreeni. "Role of JLG’s(Joint Liability Groups) in Enhancing Village Economy." Journal of Women Empowerment and Studies, no. 21 (December 23, 2021): 1–13. http://dx.doi.org/10.55529/jwes.21.1.13.

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JLGs (Joint Liability Groups) help to enhance village economies by providing local jobs, livelihoods, and income, as well as eliminating poverty and creating an inclusive economy. JLG is an informal group of four to ten persons who share a common socioeconomic background, reside in the same neighbourhood, and engage in similar activities. To begin earning a living, all participants agree and take out a loan in groups. JLG’s are formed with the support of FPOs, Kudumbashree, KVKs (Krishi Vikas Kendras), ATMA (Agriculture Technology Management Agency), and local nationalised and cooperative bank

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Rafikov, Ildus. "Monetary Policy for the Real Economic Sector in Muslim Majority Countries: A Transitional Solution." Turkish Journal of Islamic Economics 8, no. 2 (2021): 481–99. http://dx.doi.org/10.26414/a154.

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The paper examines the issue of monetary policy from an Islamic perspective and offers a transitional solution given the existing circumstances in the contemporary Muslim economies, dominated by financial institutions, fiat currencies, and fractional reserve banking. Qualitative research with a “complex systems” perspective is used to determine the state of monetary policy in several Muslim majority countries, to study the issues and challenges, as well as to point out the most problematic areas that need urgent addressing. The paper will argue that central banks are the main institutions that

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Zahrah, Yunisa, Jeongsoo Yu, and Xiaoyue Liu. "How Indonesia’s Cities Are Grappling with Plastic Waste: An Integrated Approach towards Sustainable Plastic Waste Management." Sustainability 16, no. 10 (2024): 3921. http://dx.doi.org/10.3390/su16103921.

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In Indonesia, plastic constitutes the second largest component of municipal solid waste; however, 58% remains uncollected. Most plastic recycling depends on informal sectors, accounting for only 10% of the total, leaving the remainder to potentially harm the environment. This paper analyzes how cities in Indonesia have tackled their plastic waste problems from the perspective of the integrated sustainable waste management framework. This study focuses on plastic waste management (PWM) in three cities: Bandung, Yogyakarta, and Magelang. Data were collected from 41 semi-structured interviews, a

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GANA, F. S., J. H. TSADO., S. KENCHI, and .R OLALEYE. "AGRICULTURAL CREDIT UTILIZATION AMONG SMALL SCALE WOMEN FARMERS IN SELECTED WARDS OF BIDA LOCAL GOVERNMENT AREA OF NIGER STATE, NIGERIA." Continental J. Agricultural Economics 3 (June 16, 2009): 28–34. https://doi.org/10.5281/zenodo.810014.

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The study investigated agricultural credit utilization among small-scale women farmers in selected wards of Bida Local Government Area of Niger State. The specific objectives were to examine small-scale women farmers, to identify the major sources of credit to small-scale farmers and to determine the benefit (if any) which small-scale women farmers had derived after acquiring credit for their farm operations. Data were collected from one hundred respondents randomly selected from five wards with the aid of interview schedule administered by the researchers. Statistical tools used for data anal

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Náñez, Alonso Sergio Luis, Javier Jorge-Vázquez, Beatriz Sastre-Hernández, and Bernard Ziębicki. "Do credit unions contribute to financial inclusion and local economic development? Empirical evidence from Poland." Economics & Sociology 16, no. 4 (2023): 110–29. https://doi.org/10.14254/2071-789X.2023/16-4/5.

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ABSTRACT. Financial inclusion is currently on the political agenda of many governments and international institutions as an unavoidable objective of territorial cohesion and economic development programs. It is also central to the Sustainable Development Goals (SDGs). For their part, the role of credit unions as agents of local economic development and their commitment to the provision of financial services in regions subject to unfavorable demographic and economic stress has been verified by various studies. However, this article examines the contribution of credit unions to the processes of

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Algeri, Carmelo, Paola Brighi, Stefano Cenni, and Valeria Venturelli. "Income inequality and the local banking system: A case study based on Italian data." Corporate Governance and Organizational Behavior Review 9, no. 1 (2025): 20–28. https://doi.org/10.22495/cgobrv9i1p2.

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Income inequality is one of the key indicators used to measure social and economic disparities (among households and businesses) in a given area. This study analyzes the impact of the local banking system on income inequality in the municipalities of an Italian region situated in the center-north of the country, a dynamic and economically prosperous area. To this end, it employs a dynamic panel data model, estimated using the system generalized method of moments (GMM) estimator, to address the issue of endogeneity and ensure unbiased inferences. The investigated region represents a significant

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Alam, Zafar, Yoshinobu Watanabe, Shazia Hanif, Tatsuro Sato, and Tokihiko Fujimoto. "Community-Based Business on Small Hydropower (SHP) in Rural Japan: A Case Study on a Community Owned SHP Model of Ohito Agricultural Cooperative." Energies 14, no. 11 (2021): 3349. http://dx.doi.org/10.3390/en14113349.

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Energy is the prerequisite for social and economic development of a community and country. In Japan, national government is promoting small hydropower (SHP) through a renewable energy policy by providing a high FIT price of 34 yen (≒0.32 US$/kWh) on energy generated from an SHP of less than 200 kW. Until now, the energy generation was controlled by national government agencies, but now independent power generation businesses are growing at the local community level in rural Japan. For the future growth of SHP, it is necessary to make electricity generation at the local community level. Therefo

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Artemyeva, A. M., T. M. Piskunova, I. V. Gashkova, et al. "LANDRACES OF VEGETABLES AND CUCURBITS FROM KAZAKHSTAN INTO VIR COLLECTION AS INITIAL MATERIAL FOR THE BREEDING." Vegetable crops of Russia, no. 3 (July 25, 2018): 60–66. http://dx.doi.org/10.18619/2072-9146-2018-3-60-66.

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The article gives a historical overview of expeditionary surveys of the Republic of Kazakhstan territory by the VIR employees with the aim of collecting local vegetable and melon crops from the first expedition in 1925 and to present days. A total of 13 expeditions of VIR were carried out across Kazakhstan, including cooperative surveys with employees of the Kazakh Research Institute of Potato and Vegetable Growing. The role of Vavilov and his associates in the formation of the Institute's collections, the continuity of ideas and traditions in the scientific work with plant genetic resources a

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Oluwole, F.O. &. Oluwagbemigun O. "Informal Financial Institutions and Small and Medium Scale Enterprises Performance in Akoko South West Local Government, Ondo State." International Journal of Business Management and Technology 5, no. 4 (2023): 145–51. https://doi.org/10.5281/zenodo.7672639.

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Though the provision of finance for small and medium scale enterprises has been vested on the formal financial institutions like commercial banks and microfinance institutions, focus has shifted from these institutions to informal institutions in the recent years. This study investigated the effect of informal financial institutions and small and medium scale enterprises (SMEs) performance in Akoko South West Local Government Area of Ondo State. Two hundred (200) copies of the questionnaires were administered using simple random sampling technique to. Multiple regression model was adopted to a

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Liao, Wenying, Vítor V. Vasconcelos, Simon A. Levin, and Michael Oppenheimer. "Cooperative food bank: a collective insurance regime to govern food insecurity and nitrogen pollution under risk." Environmental Research Letters 19, no. 8 (2024): 084057. http://dx.doi.org/10.1088/1748-9326/ad5f44.

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Abstract Risks, such as climate change, disease outbreak, geopolitical tension, may exacerbate food insecurity by negatively impacting crop yield. Additional agricultural nitrogen input may partly offset yield losses, with a corresponding increase in nitrogen pollution. The problems of food insecurity and nitrogen pollution are urgent and global but have not been addressed in an integrated fashion. Current efforts to combat food insecurity occur primarily through the United Nations’ World Food Program at the international level, and, at the local community level, through food banks. The intern

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Ucha, S. O., S. I. Ume, G. E. Ivoke, B. J. Silo, and B. U. Ogbulie. "Socioeconomic Determinants to the Output of Catfish Farmers in Ayamelum Local Government Area of Anambra State, Nigeria." International Journal of Case Studies 7, no. 7 (2018): 85–92. https://doi.org/10.5281/zenodo.3540359.

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Socio-economic determinant to the output of catfish farmers in Ayamelum Local Government Area of Anambra state, Nigeria was studied. The objectives of the study are to describe the socioeconomic characteristics of the catfish farmers, analyze the effect of the farmers’ socioeconomic characteristics on their outputs, determine the profitability of catfish production and to identify the constraints to catfish production in the study area. Sixty (60) respondents were randomly selected using multi- stage random sampling technique. A structured questionnaire and oral interview were used to el

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Bertuch-Samuels, Axel. "Why we should embrace institutional diversity in banking." Vierteljahrshefte zur Wirtschaftsforschung 87, no. 4 (2018): 127–39. http://dx.doi.org/10.3790/vjh.87.4.127.

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Zusammenfassung: Der Beitrag von Institutionen-Vielfalt im Finanzsektor zu nachhaltigem Wachstum und Finanzstabilität – insbesondere die Rolle effektiver lokaler Bankstrukturen – wird nicht selten unterschätzt, sei es im Rahmen der Entwicklungszusammenarbeit oder in der strukturpolitischen Diskussion in den hochentwickelten Volkswirtschaften. Dabei kommen in jüngster Zeit mehr und mehr Untersuchungen zu dem Ergebnis, dass Finanzinstitute mit einem Geschäftsmodell, welches die Pflege langfristig angelegter Geschäftsbeziehungen zu breiten Bevölkerungsschichten und zu mittelständischen Unternehme

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Caroli, Sergio. "Antarctic environmental banking: the quest for a global approach." Antarctic Science 8, no. 3 (1996): 227. http://dx.doi.org/10.1017/s0954102096000314.

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Recent estimates report that more than eight million substances are known and that about 70 000 of them are widely exploited as pesticides, food additives, pharmaceuticals and industrial compounds with a total production of several million tons per year. The global circulation of polluting chemicals is well known to have reached even the Antarctic continent. This has resulted in an enhancement both of the baseline levels of naturally occurring organic and inorganic substances and an increasing presence of man-made compounds that simply should not be there. Localized anthropogenic activities ar

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Uzoaru Okorie, Christiana, and Winnifred Chioma Obi. "Factors Contributing to Poverty among Artisanal Fisherfolk of in Ahoada West Local Government Area of Rivers State, Nigeria." International Journal of Advanced Multidisciplinary Research and Studies 4, no. 2 (2024): 1128–34. http://dx.doi.org/10.62225/2583049x.2024.4.2.2634.

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This study investigated factors contributing to poverty among artisanal fisherfolk in Ahoada Local Government Area of Rivers State, Nigeria. By exploring the livelihoods of artisanal fisherfolk, this paper analyzed different aspects of poverty and identify factors that contribute to poverty in these communities. This descriptive study was guided by two research objectives and questions. The population of study consists of 520 members of 3 fisherfolks cooperative society in Rivers State, out of which 240 members was randomly sampled. The research instrument used for the study was a structured 2

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Becić, Ivan. "South Moravian Bank - Niš (1894 - 1929)." Bastina, no. 56 (2022): 351–69. http://dx.doi.org/10.5937/bastina32-35921.

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At the end of the 19th century, a large number of local banks were established on a sheregolder basis in the Kingdom of Serbia. Among them was the Niš Cooperative for Credit and Savings. Apart from banking, this institution was also engaged in industrial affairs and was the owner of a brick factory. From 1910, the name of the institution was the Niš Credit Bureau, which operated succsessfully until the outbreak of the Great War. After the end of the war, the bank changed its name again and was called the South Moravian Bank. In order to continue its operations, the Bank recapitalized and the m

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Kumar, Soam Sudhir. "Agri-Inputs Consumption Patterns, Access, and Delivery Mechanism in India." Indian Research Journal of Extension Education 23, no. 2 (2023): 6–15. http://dx.doi.org/10.54986/irjee/2023/apr_jun/6-15.

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The Government of India has initiated several programs to provide timely inputs to farmers with special subsidies on regular inputs such as seed material, fertilizers, irrigation, animal purchase, etc. These inputs are supplied through various mechanisms such as government departments, agricultural universities, KVKs, NGOs, local shop owners, producer's associations etc. Studying the agri-inputs available and their supplying mechanisms in India provides clarity on the status of farmers and the number of farmers who benefi ted from diff erent services provided by GOI. A survey questionnaire was

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Saiful-Haq, Andi, Endang Tirtana, Azhari Aziz Samudra, and Evi Satispi. "Government strategy to revive SMEs from post-COVID-19 collapse: Analysis of economic improvement for lower class communities in Jakarta, Indonesia." Journal of Infrastructure, Policy and Development 8, no. 8 (2024): 7314. http://dx.doi.org/10.24294/jipd.v8i8.7314.

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This research aims to determine the strategy of the Jakarta Provincial Government in increasing the resilience and growth of small and medium enterprises (SMEs) within a collaborative governance framework post-COVID-19. This study explores the effectiveness of SMEs and facilities in accessing financing and fostering collaborative partnerships between SMEs, government agencies, and financial institutions by utilizing USAID’s Theory of Change (TOC). This research uses a qualitative approach supported by in-depth interviews and Focus Group Discussions to enrich the insights of SME stakeholders, l

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