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Journal articles on the topic 'Management of credit operations'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Sifatullah, Md. "BOOK REVIEW: Credit Operations and Management." International Journal of Trade & Commerce-IIARTC 12, no. 2 (2024): 482–84. https://doi.org/10.46333/ijtc/12/2/20.

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Couto, André, Rui Gonçalves, Leandro Pereira, Renato Lopes Da Costa, Álvaro Lopes Dias, and Rui Vinhas Da Silva. "Operational Risk Mitigation in Credit Operations." International Journal of Technology and Globalisation 9, no. 1 (2022): 1. http://dx.doi.org/10.1504/ijtg.2022.10048418.

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3

Vieira, Euselia Paveglio, Maria Margarete Brizolla, Vanise Andréia Corrêa Prates, Sandra Minéia Cardoso Carneiro, and Weslley Lima Freire. "Operational Audit in Defining Credit Operation Rates." Revista de Gestão Social e Ambiental 18, no. 7 (2024): e08383. http://dx.doi.org/10.24857/rgsa.v18n7-181.

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Objective: The objective of the study is to verify how the application of operational auditing in the rates of credit operations of a financial institution can instrumentalize management in the decision-making process. Theoretical Framework: In order to build the theoretical basis to interpret the empirical data, the authors reviewed the scientific literature that deals with operational auditing, internal controls, standards, regulations and legislation applied to auditing. Method: The methodology adopted comprises descriptive research, with a qualitative approach and a case study in a large f

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Anwulika Ogechukwu Scott, Prisca Amajuoyi, and Kudirat Bukola Adeusi. "Advanced risk management solutions for mitigating credit risk in financial operations." Magna Scientia Advanced Research and Reviews 12, no. 1 (2024): 212–23. http://dx.doi.org/10.30574/msarr.2024.11.1.0085.

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Advanced risk management solutions are essential for mitigating credit risk in financial operations, particularly in today's volatile economic environment. This Review explores the innovative approaches and technologies being utilized to enhance credit risk management and safeguard financial institutions against potential losses. Credit risk, the possibility that a borrower will default on their obligations, poses a significant threat to financial stability. Traditional methods of assessing and managing credit risk, such as credit scoring and historical data analysis, are no longer sufficient

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Kalluri, Kartheek. "Enhancing Credit Union Operations: Utilizing Pega's Workflow Automation for Member Management." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 12 (2024): 1–7. https://doi.org/10.55041/ijsrem25117.

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Credit unions are important in promoting financial literacy and delivering relevant services to their members. However, problems in these organizations' operations affect their capacity to provide services that meet the members' expectations. This paper analyzes how Pega's workflow automation platform benefits credit unions, especially in management. Specifically, Pega eliminates such processes as onboarding, problem solving or services provision simplifying organizational and operational dimensions not to mention the level of the member's satisfaction. However, the effectiveness of the platfo

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Augusta Heavens Ikevuje, David Chinalu Anaba, and Uche Thankgod Iheanyichukwu. "Revolutionizing procurement processes in LNG operations: A synthesis of agile supply chain management using credit card facilities." International Journal of Management & Entrepreneurship Research 6, no. 7 (2024): 2250–74. http://dx.doi.org/10.51594/ijmer.v6i7.1293.

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Revolutionizing procurement processes in LNG operations is essential for ensuring efficient and cost-effective supply chain management. This paper presents a synthesis of agile supply chain management (SCM) principles using credit card facilities to streamline procurement processes in LNG operations. The integration of credit card facilities offers a flexible and efficient alternative to traditional procurement methods, enabling LNG companies to adapt quickly to changing market conditions and customer demands. The paper begins by discussing the challenges faced by LNG operations in traditional

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7

Arora, Anju. "Credit Risk Management Operations and Systems: Does Ownership Matter?" IIMS Journal of Management Science 4, no. 1 (2013): 77. http://dx.doi.org/10.5958/j.0976-173x.4.1.006.

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Jumayev, Nodir, and Muxlisa Maxmudova. "THE STRUCTURE OF CREDIT INVESTMENTS IN UZBEK BANKS AND RISKS IN THEIR MANAGEMENT." INNOVATIONS IN ECONOMY 8, no. 3 (2020): 20–29. http://dx.doi.org/10.26739/2181-9491-2020-8-2.

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It is very important to study and analyze the risks that arise in the conduct of credit operations in the banks of Uzbekistan, the composition of credit investments. This article focuses on credit investments, their composition, the risks encountered in the control and management of credit resources, and ways to overcome them.

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Kandia, Dennis Ireri, Prof Abraham Idowu, and Mr Tumaini Lisso. "INVESTIGATION OF EFFECTIVENESS OF INFORMATION TECHNOLOGY ON THE OPERATIONS OF THE SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN NAIROBI, KENYA." International Journal of Finance and Accounting 2, no. 4 (2017): 84. http://dx.doi.org/10.47604/ijfa.368.

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Purpose: To investigate the effectiveness of information technology on the operations of SACCO’s within Nairobi.Methodology: The study utilized a descriptive survey research design.Findings: Results revealed that effectiveness of ATM system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of asset loan management system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of liability/saving management system influenced the operations of savings and credit cooperative socie

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S, Miss Arati. "Review Paper- A Study of Credit Management Policies and Loan Disbursement Operations of Co-operative Bank." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34068.

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This study is conducted to know Credit Policy and Loan Disbursement Operations of Co- operative Bank. Co-operative bank provides variety of credit facilities as per customer’s needs. This facilitates can be for short term or loan term. The loan growth and performance of bank is required level or not it is also assessed in this study. This study confirms that Co- operative bank should maintain a good relation with its customers to increase the profitability. To increase total number of borrowers the bank should provide all the necessary information to their customers and should provide attracti

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11

Ya. Kuznyetsova, Anzhela, Natalia I. Kozmuk, and Оlexandr A. Levchenko. "Peculiarities of functioning of financial and credit mechanism for performing leasing operations in developed countries and in Ukraine." Problems and Perspectives in Management 15, no. 4 (2017): 209–21. http://dx.doi.org/10.21511/ppm.15(4-1).2017.05.

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World experience shows that improving the equipment and machinery supply efficiency in all economic sectors and, thus, contributing to the country’s economic growth can be achieved through the effective functioning of the financial and credit mechanism for performing leasing operations. Given that Ukrainian leasing market is at the formation stage and the economy is in the crisis, the issues of improving the leasing industry activity are extremely important for Ukraine. Thus, the purpose of the article is to study the worldwide experience of the functioning of the financial and credit mechanis

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12

Gan, Yutian, Han Luo, and Wei Wei. "Credit Risk Management Based on Decision Tree Model." Advances in Economics, Management and Political Sciences 185, no. 1 (2025): 84–92. https://doi.org/10.54254/2754-1169/2025.lh23948.

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Against the backdrop of rapid advancements in fintech and the continuous expansion of credit markets, traditional credit risk assessment methods have revealed significant limitations. Machine learning methods offer new opportunities for credit risk management. This study focuses on applying machine learning methods to credit risk management. We utilize a credit risk dataset from Kaggle (Default of Credit Card Clients Dataset) to analyze and compare the performance of logistic regression, decision tree, and random forest models across multiple dimensions, including accuracy, recall rate, and in

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Sklyarov, Igor Yu, Yulia M. Sklyarova, Lyudmila A. Latysheva, and Bela V. Bolotokova. "METHODOLOGY FOR EVALUATING THE ACTIVE OPERATIONS OF A COMMERCIAL BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/5, no. 147 (2024): 172–78. http://dx.doi.org/10.36871/ek.up.p.r.2024.06.05.024.

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The generation of the main financial result of commercial banks directly depends on the effectiveness of active operations. The evolution of financial relations, the achievement of the main goal of the credit institution’s activ- ities to obtain a positive financial result and the desire of commercial banks to use and diversify free cash flows in the economic environment – all this has determined the relevance of this scientific research. In their activities, all credit institutions constantly apply an effective banking management policy through methods of evaluating active transactions, as we

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Şendikici, Pınar. "Process Management and One Example Service Sector." International Journal of Advanced Natural Sciences and Engineering Researches 7, no. 6 (2023): 85–88. http://dx.doi.org/10.59287/ijanser.1140.

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The application study has been done in a private bank ABC bank in the form of case study. The observational method and interview method have been used about two types of branch office. A case study will be done about existing branch offices in one of these two branch office types and in the other one about improvement branch office. The information about ABC bank credit operation system has been collected and credit operation process has been explained as systemic in the light of this collected information. The workflow diagrams have been composed by analysing processes. The workflow diagrams

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15

Giakoumis, Konstantinos. "The Voskopoja Guild of Tailors’ Credit Lending Operations and Risk Management (1716–27)." Turkish Historical Review 9, no. 3 (2018): 242–77. http://dx.doi.org/10.1163/18775462-00903002.

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The paper analyzes the credit activities of the Voskopoja (Moschopolis) guild of tailors on the basis of a new dataset constructed from its credit lending transactions recorded in a guild register. The dataset was used to understand lending patterns and risk management in the local economy of Voskopoja and compare them with similar practices in other parts of the Ottoman empire. I found that interest rates were not stable in 1716–27 and that the Voskopoja economy experienced an economic growth in this period. This case study contributes to our understanding of Ottoman financial institutions, g

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16

Wang, Yannan, and Siyu Han. "Research on credit control and management of commercial banks." Economics and Public Policy 1, no. 1 (2025): 54. https://doi.org/10.63313/epp.9004.

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With mounting economic pressures in China, commercial banks are witnessing a continuous rise in non-performing loans, making credit risk management a renewed focus of attention. Effective risk management and control in credit operations serve as both essential require-ments for maintaining the healthy development of China's financial market and vital strate-gies for commercial banks to sustain competitiveness. When handling complex credit port-folios, how to effectively mitigate credit risks has become a critical challenge requiring in-depth research by grassroots commercial banks. This paper

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17

Романенко, Світлана Вікторівна. "Management reporting on operations with letters of credit: organizational aspect." Problems of Theory and Methodology of Accounting, Control and Analysis, no. 2(37) (September 25, 2017): 79–82. http://dx.doi.org/10.26642/pbo-2017-2(37)-79-82.

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Tchernykh, S. "Risk Management in Banks." Voprosy Ekonomiki, no. 8 (August 20, 2004): 120–27. http://dx.doi.org/10.32609/0042-8736-2004-8-120-127.

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Problems of managing risks of partnership in banks taking into account the new Central Bank of Russia document "On Organization of Internal Control in Credit Organizations and Bank Groups" are considered in the article. It is pointed out that effective bank risk management including risks of partnership сan be realized only under condition of bona fide competition. Functioning of banks in competitive environment is impossible without risks, their monitoring allows to become competitive on the banking services market if various "black lists" and other unsound negative information leading to low

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19

Do, Hoai Linh, Thi Thao Vy Nguyen, Thanh Tu Dinh, Phuong Hoa Hoang, Hoang Phuong Mai Pham, and Duc Thanh Nguyen. "The Factors Affecting the Effectiveness of Controlling Green Credit Operations at Vietnamese Commercial Banks." International Journal of Social Science And Human Research 04, no. 04 (2021): 734–40. https://doi.org/10.47191/ijsshr/v4-i4-23.

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: In this paper, factors affecting the effectiveness of controlling green credit operations at Vietnamese commercial banks are investigated based on the COSO Committee's internal control framework as well as related theories and expert interviews in the research field. With 511 valid respondents, the obtained results show that the factors “Risk Management”, “Macroeconomic Factors”, “Monitoring Activities” and “Information and Communication” affect the effectiveness of controlling green credit operations at Vietnamese commercial banks, in whic

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Mokropulo, A. A. "FORMING OF MODEL OF FINANCIAL SAFETY OF CORPORATION AS BASIS OF INVESTMENT ATTRACTIVENESS OF REGION." Scientific bulletin of the Southern Institute of Management, no. 4 (December 30, 2016): 28–32. http://dx.doi.org/10.31775/2305-3100-2016-4-28-32.

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The problem of operational service enterprises in the commercial Bank has got a special urgency. In difficult conditions of a rigid competition, banks are trying to keep the advantages to save in the money markets. Therefore, modern credit institution is ready to offer its actual and potential customers the most favorable and attractive conditions for payment operations, credit operations and operations on attraction in deposits or currency conversion. Relations of credit organisations with clients is very diverse: traditional cash management services, credit services, cash payments, operating

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21

Ostrovska, N. "Modeling of credit portfolio management efficiency." Galic'kij ekonomičnij visnik 70, no. 3 (2021): 89–101. http://dx.doi.org/10.33108/galicianvisnyk_tntu2021.03.089.

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Credit operations, among the great variety of services provided by the bank, are one of the most important activities. In the assets of commercial banks, loans occupy a strong position of the most extensional and profitable items. The reliability and financial stability of commercial banks depends on the composition and structure of the bank's loan portfolio and the process of its management. Under current conditions, the development and improvement of the bank's loan portfolio management system intended to minimize the credit risks and ensure the sustainable operation of commercial banks have

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Orlova, Ekaterina V. "Decision-Making Techniques for Credit Resource Management Using Machine Learning and Optimization." Information 11, no. 3 (2020): 144. http://dx.doi.org/10.3390/info11030144.

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Credit operations are fundamental in the banks’ activities and provide a significant share of their income. Under an increased demand for credit resources, credit risks are growth. It keeps the importance of the problem of an increase in the efficiency of lending management processes in financial institutions. The aim of the work is the justification and development of new technology and models for the management of bank lending that reduce credit risks and increases lending efficiency. The research materials are statistical data from the Bank of Russia and Rosstat. The methods of system analy

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Białek-Jaworska, Anna, and Natalia Nehrebecka. "The role of trade credit in business operations." Argumenta Oeconomica 2, no. 37 (2016): 189–231. http://dx.doi.org/10.15611/aoe.2016.2.08.

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24

Alavi, Hamed. "Mitigating the Risk of Fraud in Documentary Letters of Credit." Baltic Journal of European Studies 6, no. 1 (2016): 139–56. http://dx.doi.org/10.1515/bjes-2016-0006.

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AbstractDespite the fact that documentary letters of credit (LC) are meant to facilitate the process of international trade, their specific characteristics may increase the risk of fraud while being used as the method of payment in the process of international transaction. Many factors like exclusive use of documents, geographical distance, absence of efficient prosecution, the diversity of legal system at the global level and restricted application of fraud rule can be considered as reasons for LC fraud. While billions of dollars are lost annually due to fraud in the course of LC operations,

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Timuneno, Antonius Yohanes William. "PENGARUH EVALUASI KREDIT DAN PENGAWASAN KREDIT TERHADAP RISIKO KREDIT MACET." Journal of Management Small and Medium Enterprises (SMEs) 15, no. 2 (2022): 207–23. http://dx.doi.org/10.35508/jom.v15i2.6724.

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The research background is risk of the loan credit which is the one problem which inseperable from the operations system in credit service unions in district Oebobo of Kupang City. In observation the loan default, the efforts of tackling was involved two important factors were credit evaluation and control credit. This research was conducted in 15 units of credit unions that were selected based on the criteria previously and the sample were 30 persons from credit management and supervisory elements. Technique in collecting data is observation interview, questionnnary, and documentation. The re

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Scientific, director: Khamdamov Shavkat Kamilovich, and Erniyazova Salamatovna Shakhnoza Author:. "THE IMPORTANCE OF INNOVATIONS IN THE MANAGEMENT OF THE BANK'S OPERATIONS." EURASIAN JOURNAL OF ACADEMIC RESEARCH 1, no. 2 (2021): 421–26. https://doi.org/10.5281/zenodo.4768530.

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<em>The article discusses the need for the development and implementation of innovative approaches and management mechanisms that contribute not only to retaining the occupied niche in the banking environment, but also to development in the future.</em>

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Petrushko, Yaryna. "CREDIT RISKS AS THE OBJECT OF CONTROL AND REGULATION BY THE NATIONAL BANK OF UKRAINE." Economic Analysis, no. 27(1) (2017): 150–55. http://dx.doi.org/10.35774/econa2017.01.150.

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The article aims to define the main methods that can be used by the National Bank of Ukraine for controlling and regulating of the credit operation by the banks. One of the main targets of controlling and regulating of such type of operations by the National Bank is the protection of investors’ rights and interests, since credit activities are the allocation of the investors’ money. By the analysing the laws and regulations, the main requirements and ratios, which are stipulated by the National Bank and are to be adhered by all banks, have been unified. Both adhering of the required rations an

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Xu, Kangming, and Biswajit Purkayastha. "Integrating Artificial Intelligence with KMV Models for Comprehensive Credit Risk Assessment." Academic Journal of Sociology and Management 2, no. 6 (2024): 19–24. https://doi.org/10.5281/zenodo.14077150.

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With the continuous development of artificial intelligence and various new intelligent algorithm technologies, the business contacts between various institutions within financial enterprises are gradually increasing, and traditional financial risk management can no longer adapt to the current status quo in the era of big data. The lack of information sharing among institutions can reduce the efficiency of financial management and adversely affect the operation of enterprises. At present, financial credit risk mainly includes credit risk, market risk and operational risk. Credit risk relates to

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Varfolomeeva, Vera A., and Nataliya A. Ivanova. "RISKS OF LEASING OPERATIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 10 (2021): 11–16. http://dx.doi.org/10.36871/ek.up.p.r.2021.10.01.002.

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The article deals with the issues of risks of lessees and lessors in leasing operations, the use of which is associated with a decrease in investment in fixed assets of enterprises. Attention is paid to risk management methods in leasing operations. It is noted that there are currently no clear methodological recommendations for combating risks in leasing activities. A brief statistical overview of the leasing market is given. The authors point out that currently, in order to combat risks, all leasing transactions will be transferred to credit bureaus. The conclusion is made about the need to

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Huseynov, Vilayat M. "DIGITAL TRANSFORMATION IN THE IMPLEMENTATION OF ACTIVE OPERATIONS OF A COMMERCIAL BANK IN MODERN CONDITIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/5, no. 147 (2024): 341–50. https://doi.org/10.36871/ek.up.p.r.2024.06.05.045.

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The study examined the essence of active operations of a commercial bank, presented the main methods and tools for managing active operations of a commercial bank, and presented a rating of credit institutions of the Russian Federation by volume of assets as of the beginning of 2024. The role and importance of digital transformation for a credit organization has been studied, the possibilities of digital transformation of the active operations of a commercial bank and the processes associated with them have been studied. A model for digital transformation of the active operations management sy

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Srinivas, Sattaru Shanmukha, and Kayalvizhi R. "Exploring Credit Management Automation." International Journal for Research in Applied Science and Engineering Technology 10, no. 5 (2022): 2286–88. http://dx.doi.org/10.22214/ijraset.2022.42436.

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Abstract: The cash flow management is one of the important factors in any of the company success. It has become the primary focus of the companies after post financial crisis. Almost every company extend credit to their customers. This is an important tool for attracting the customers. If the credit is poorly managed it will result in risk in converting sales to cash. As the technology is much advanced now, it is very important to reconsider and create better methods for cash flow management. It is much needed time for the automation of processes like calculating credit score, credit trustwort

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Saidov, Xayotjon. "IMPROVING PROBLEM LOAN MANAGEMENT PRACTICES IN COMMERCIAL BANKS." MODERN SCIENCE AND RESEARCH 3, no. 1 (2024): 527–30. https://doi.org/10.5281/zenodo.10535586.

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<em>In this article, lending by commercial banks is expanding. They must increase and develop their services in order to keep pace with the development of the times and to be able to withstand the competition. This, in turn, requires carrying out studies of scientific and practical importance on bringing the private capital of commercial banks closer to the level of national and international standards. The emergence of problem loans in the implementation of credit operations makes it necessary to regulate their accounting based on the requirements of international standards. It is about credi

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Aggarawal, K. K., and Arun Tyagi. "Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period." Yugoslav Journal of Operations Research 26, no. 3 (2016): 279–304. http://dx.doi.org/10.2298/yjor140412003a.

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In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a

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Ramzaeva, E. P., and O. V. Kravchenko. "The analysis of the loan portfolio and credit risk in a commercial bank." Vektor nauki Tol'yattinskogo gosudarstvennogo universiteta. Seriya Ekonomika i upravlenie, no. 3 (2022): 47–53. http://dx.doi.org/10.18323/2221-5689-2022-3-47-53.

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The implementation of a competent credit policy, the formation of a balanced loan portfolio, and the minimization of a level of credit risk are the main tasks of banking management. Credit operations of commercial banks have been and remain the most profitable and the banking sector profitability directly affects the financial market sustainable development. The main purpose of the study is to analyze the commercial bank credit activity and a credit risk on the example of the HCF Bank LLC commercial bank. The paper analyzes the structure of the bank’s loan portfolio, the overdue debt level, an

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SILVA, Realdo de Oliveira da, Leonardo FLACH, and Jonatas Dutra SALLABERRY. "EARNINGS MANAGEMENT AND INCOME SMOOTHING PRACTICES: A PANEL DATA REGRESSION MODEL WITH BRAZILIAN CREDIT COOPERATIVES." Boletim de Conjuntura (BOCA) 18, no. 54 (2024): 515–34. https://doi.org/10.5281/zenodo.13324305.

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This paper aims to analyze if there is evidence of Earnings Management practices, related to losses from credit operations of Brazilian credit unions. The research uses a quantitative and inferential approach, with regression analysis using panel data analysis, with a sample of 670 single credit unions regulated by the Brazilian Central Bank. These credit unions were observed between the first quarter of 2010 and the last quarter of 2019, totalizing an amount of 26800 observations. The results indicate that credit unions manage their results in the Income Smoothing modality to avoid their vari

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Toufaili, Bilal. "THE IMPACT OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE." EUrASEANs: journal on global socio-economic dynamics, no. 3(28) (May 31, 2021): 7–23. http://dx.doi.org/10.35678/2539-5645.3(28).2021.7-23.

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Commercial banks that control a large proportion of overall assets of the financial sector primarily rely on extending credits, and banks may raise their earnings through this function which constitutes one of the major functions of commercial banks.  Consequently, and due to the wide multiple risk exposures of commercial banks, the issue of capital structure has become a vital element in determining the viability of banks and their ability to withstand various risks involved. Hence, risk management as such has become an essential part of evaluating various risks, including credit risks,

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Hill, Paula, Adriana Korczak, and Shuo Wang. "The use of earnings and operations management to avoid credit rating downgrades." Accounting and Business Research 49, no. 2 (2018): 147–80. http://dx.doi.org/10.1080/00014788.2018.1479630.

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Alam, MD Waquar. "INVESTIGATING THE IMPACT OF CREDIT RISK ON FINANCIAL PERFORMANCE OF COMMERCIAL BANK IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem33025.

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In this liberalization period, credit Risk Management has got much importance in the Indian Economy. The main challenges faced by the banking sector today are the challenge of identifying the risk and managing it. The risk is imbibed nature of the banking business. The main role of a bank is of intermediate for those having resources and requiring resources. For risk management various risks like credit risk, market risk or operational risk have to be converted into one composite measure. The importance of credit risk management and its impact on profitability has motivated us to pursue this s

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Dr. Sony Vijayan, Devi Sekhar R,. "MEASURING THE EFFICIENCY IN LENDING OPERATIONS OF STATE CO-OPERATIVE BANKS IN INDIA." INFORMATION TECHNOLOGY IN INDUSTRY 9, no. 1 (2021): 1353–58. http://dx.doi.org/10.17762/itii.v9i1.277.

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Co-operatives are member driven and democratic in nature and played a pioneering role in providing agricultural credit to a very large rural population, especially in remote areas. The State Co-operative Banks (SCBs) are the apex level co-operative credit institutions and play a significant role in the functioning and growth of the co-operative credit structure in the respective states. Financial assistance from Reserve Bank of India and National Bank for Agriculture and Rural Development (NABARD) are mainly routed through the state co-operative banks and hence they have to ensure efficiency i

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Crook, J. N., D. E. Edelman, and L. C. Thomas. "Credit Scoring." Journal of the Operational Research Society 56, no. 9 (2005): 1003–5. http://dx.doi.org/10.1057/palgrave.jors.2602037.

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Molamohamadi, Zohreh, and Abolfazl Mirzazadeh. "Ordering Policies of a Deteriorating Item in an EOQ Model under Upstream Partial Order-Quantity-Dependent Trade Credit and Downstream Full Trade Credit." Advances in Operations Research 2021 (April 12, 2021): 1–13. http://dx.doi.org/10.1155/2021/6620084.

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In the classical inventory systems, the retailer had to settle the accounts of the purchased items at the time they were received. But in practice, the supplier applies some strategic tools, such as trade credit contract, to enhance his sales channel and offers delay period to his customers to settle the account. Any member of the supply chain may offer full or partial trade credit contract to his downstream level. Full trade credit is the case that the latter is allowed to defer the whole payment to the end of the credit period. In partial trade credit, however, the downstream supply chain me

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Moloi, Tankiso. "The nature of credit risk information disclosed in the risk and capital reports of the top-5 South African banks." Banks and Bank Systems 11, no. 3 (2016): 87–93. http://dx.doi.org/10.21511/bbs.11(3).2016.09.

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This paper used the Credit Risk Disclosure Measurement Tool (CRDMT) constructed on the basis of six main areas, namely, banks own description of credit risk (i.e., as it applies to the banks operations), banks strategy of reducing credit risk exposure (i.e., objectives of credit management), banks approach to credit modelling or the internal rating system, banks approach and the manner in which they assess their exposure to credit risk, banks credit risk mitigation strategies employed (i.e., collateral and other credit enhancements), and banks approach to the valuation of pledged collateral an

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Rosenberg, Eric, and Alan Gleit. "Quantitative Methods in Credit Management: A Survey." Operations Research 42, no. 4 (1994): 589–613. http://dx.doi.org/10.1287/opre.42.4.589.

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Younis, M., M. J. Khan, and M. Y. Khan. "Financial Constraints and the Use of Trade Credit: Evidence from Pakistan." Finance: Theory and Practice 28, no. 1 (2024): 166–76. http://dx.doi.org/10.26794/2587-5671-2024-28-1-166-176.

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The purpose of this study is to identify whether financially constrained firms use trade credit (payables and receivables) as a channel to finance their operations. The previous literature mainly investigated the role of trade credit in various aspects of a firm’s performance. We argue that, since firms with limited financial capabilities usually have limited or no access to the long-term debt market, they can better be expected to rely on short-term financing, such as trade credit. We use Kaplan and Zingales index (KZ Index 1997) to measure the level of firms’ financial constraints. The fixed

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Cherkashyna, Kateryna, and Volodymyr Gubenko. "SUCCESSFUL MANAGEMENT OF THE BANK’S CREDIT ACTIVITIES." Європейський науковий журнал Економічних та Фінансових інновацій 1, no. 15 (2025): 251–61. https://doi.org/10.32750/2025-0122.

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As of today, the banking sector is one of the most risky types of economic activity. This is primarily due to the fact that banking institutions deal with borrowed and attracted funds. Their own funds, in the form of charter capital and reserves, perform protective and regulatory functions. The main task of banks is using the attracted funds as efficiently as possible. Therefore, effective management of bank credit activities will allow for profit generation and avoidance of significant losses of attracted funds. The banking sector constantly encounters new risks, posing new challenges. Among

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Jaggi, Chandra, and Mona Verma. "Two echelon partial trade credit financing in a supply chain derived algebraically." Yugoslav Journal of Operations Research 22, no. 2 (2012): 163–82. http://dx.doi.org/10.2298/yjor100108017j.

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Trade credit financing has become a powerful tool to improve sales & profit in an industry. In general, a supplier/retailer frequently offers trade credit to its credit risk downstream member in order to stimulate their respective sales. This trade credit may either be full or partial depending upon the past profile of the downstream member. Partial trade credit may be offered by the supplier/retailer to their credit risk downstream member who must pay a portion of the purchase amount at the time of placing an order and then receives a permissible delay on the rest of the outstanding amoun

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Jr., Romeo B. Campos,. "The Impact of Digitalization on Credit Risk Management in Microfinance Institutions in Nueva Ecija, Philippines." Indian Journal of Information Sources and Services 14, no. 3 (2024): 145–56. http://dx.doi.org/10.51983/ijiss-2024.14.3.20.

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The study examines the credit risk management practices of lending institutions in rural Nueva Ecija, Philippines, amidst their significant growth and the evolving economic landscape. Given their pivotal role in financial transactions, these institutions face inherent risks which necessitate effective management strategies. Employing a descriptive method, the research identified and evaluated credit risk management practices, focusing on credit analysis and collection policies. The study also assessed the impact of digitalization on these practices within microfinance institutions in the regio

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OLADEJO, Olusola James, and Gbenga Isaac OLORUNSOLA. "Credit Risk Management and Loan Performance of Microfinance Banks in Nigeria." Journal of Forensic Accounting & Fraud Investigation (JFAFI) Volume 7, Issue 2, July - December 2022 (2023): 108–19. https://doi.org/10.5281/zenodo.8227121.

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The concept of micro-finance in Nigeria has evolved over the years following other welldeveloped like Kenya in the sub-Saharan Africa. Given the importance of credit risk inmicrofinance operations, it is expected that the effectiveness of microfinance riskmanagement systems, processes, procedures, activities, methods, and incentives wouldhave a significant influence on loan performance. As a result, the purpose of this researchwas to examine the link between credit risk management and loan performance inNigerian microfinance banks (MFBs), using Lagos and Ogun State as case studies. Adescriptiv

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Becić, Ivan, and Dejan Antić. "Niš Credit Bank between the two world wars." Zbornik radova Filozofskog fakulteta u Pristini 53, no. 2 (2023): 249–67. http://dx.doi.org/10.5937/zrffp53-40828.

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In order to provide its shareholders with the necessary funds to carry on with their business operation with the help of the necessary share capital, the Niš Inn and Tavern Cooperative was founded in 1919. The planned operations did not give a satisfactory result, so starting from 1922, the new bank's management turned more to crediting, and its main business activities were slightly neglected. The business policy of the administration gave favourable results and the Inn and Tavern Cooperative could distribute the dividend to shareholders, although it was not large because most of the earnings

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Qin, Yimeng. "Banks and Financial Institutions: Assessment of Risk Management Strategies." Highlights in Business, Economics and Management 29 (March 29, 2024): 64–68. http://dx.doi.org/10.54097/5wr7zs33.

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Taking the banking sector as a perspective, this article comprehensively analyzes risk management from four perspectives: liquidity, credit, market, and systemic risk. This paper points out that banks need to closely monitor these risks and ensure their stability and continuity of operations during the epidemic through effective risk management measures. In terms of liquidity risk, banks need to ensure adequate liquidity reserves and maintain funding flexibility through the establishment of an effective management framework and regular stress tests. The key to controlling credit risk lies in r

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