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Journal articles on the topic 'MICROFOUNDATIONS FOR THE EXISTENCE OF BANKS'

Author: Grafiati

Published: 14 March 2023

Last updated: 31 July 2025

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1

Cerpa Vielma, Nicole, Hasan Cömert, Carmela D’Avino, et al. "Too big to manage: US megabanks’ competition by innovation and the microfoundations of financialization." Cambridge Journal of Economics 43, no. 4 (2019): 1103–21. http://dx.doi.org/10.1093/cje/bez027.

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Abstract Disagreements over the systemic implications—the future—of financialization can be traced in part to the absence of sustained attention to the role of banking firms in driving this secular shift forward. That is, the financialization literature lacks an adequate microfoundation. Accounting for the drivers of financialization processes solely at the macro level overlooks the problems of how these processes came about and whether they are sustainable. This paper addresses this explanatory gap, arguing that a key independent microeconomic driver of increasing financialization did exist:

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Nur Azizah, Rizka Awaliya, and Agung Abdullah. "Analisis Pengetahuan Generasi Milenial Non Muslim Terhadap Bank Syariah di Kota Solo." Indonesian Journal of Islamic Economics and Business 8, no. 2 (2023): 393–408. http://dx.doi.org/10.30631/ijoieb.v8i2.2068.

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This study aims to determine the knowledge level of non-Muslim millennial generation towards Islamic banks in Solo City. This type of research uses a qualitative methode with the Accidental Sampling technique by interviews with 8 non-Muslim millennial generation respondents. The results of this study, for the first category of knowledge about the existence of Islamic banks, 88% non-Muslim millennial generation knows about the existence of Islamic banks. The second and third category is about operations and the product of Islamic bank has same result above 63 % of non-Muslim millennial generati

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Dr.Khaled, Abdalla Moh'd Al-Tamimi. "Impact of Financial Incentives on Performance of Employees in Jordanian Commercial Banks and its Reflections on Jordanian Economy: A Field Study." International Journal of Management Sciences and Business Research 7, no. 1 (2018): 39–48. https://doi.org/10.5281/zenodo.3474569.

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this study aimed at investigating the impact of financial incentives on the performance of employees of Jordanian commercial banks and its reflections on the Jordanian economy, as well as identifying statistically significant differences in respondents ratings of the effect of financial incentives on their performance. The study sample consisted of (76) randomly selected employees in Jordanian commercial banks. Furthermore the study employed descriptive analytical approach and the following results: 1-The existence of a statistically significant relationship between an effective incentive syst

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Raymond, Kipyegon Kemboi, Kiprotich Naibei Isaac, Kipkosgei Sirmah Peter, and Kimutai Cheruiyot Peter. "Relationship between Risk Committee Existence and Financial Performance of Commercial Banks in Kenya." International Journal of Engineering and Management Research 9, no. 4 (2019): 125–29. https://doi.org/10.31033/ijemr.9.4.18.

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Performance of some banks in Kenya has been declining leading to their collapse or receivership. This may be attributed to many factors such as risk exposure. In bid to protect the financial sector, Central Bank of Kenya therefore directed all the banks to manage risks. One of the mechanisms used by the banks to manage risks is risk committee. Some banks established risk committees while others did not. There is limited knowledge on the relationship between this risks committee and financial performance in commercial banks. This study therefore aimed at determining the relationship between ris

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Alawiyah, Nafisatul, Hendri Hermawan Adinugraha, and Muhammad Sulthoni. "Analysis of Public Perceptions of The Existence of Islamic Banking and Conventional Banking in The Tegal City Area." Wealth: Journal of Islamic Banking and Finance 3, no. 1 (2024): 13–24. http://dx.doi.org/10.24090/wealth.v3i1.10967.

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The existence of Islamic banking and conventional banks usually have a strategic way as an intermediary institution and provide services in the payment business, but the type of the two banks can affect the preferences of prospective customers to choose between the two banks. This research is a descriptive study with a qualitative approach conducted through observation, interviews, questionnaires, and documentation. The level of public knowledge about Islamic banks and conventional banks can be categorized into a level that is still considered sufficient, not too broad. In the selection of ban

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Correa, Amelia, and Romar Correa. "Some Cultural Foundations of Financial Macroeconomics." Journal of Business Accounting and Finance Perspectives 3, no. 1 (2021): 1. http://dx.doi.org/10.35995/jbafp3010004.

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Mainstream economists concede that finance tests the deductive powers of the microfoundations model. Accordingly, we attempt to derive a structural model inductively through use of empirical studies and history. Culture is the means by which a task is set about. The term consists of the following elements. The unit of analysis is groups or classes as found in National Income accounts. The connection between them does not consist of substitution effects or conflict but complementarities and cooperation. Secondly, the economy is defined as the inseparable composite of the fiscal and the monetary

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Sabila, Fadiyah Hani. "KARAKTERISTIK DAN PENERAPAN ISLAMIC CORPORATE GOVERNANCE PADA PERBANKAN SYARIAH." FUADUNA : Jurnal Kajian Keagamaan dan Kemasyarakatan 2, no. 2 (2019): 116. http://dx.doi.org/10.30983/fuaduna.v2i2.2072.

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<p><em>As one of the business entities under the umbrella of the unitary state of Indonesia, Islamic banks are also required to implement Good Corporate Governance which will henceforth be abbreviated as GCG. The application of GCG in Islamic banks is important considering Islamic banks are banks that use the principle of profit sharing. GCG is a requirement for Islamic banks to develop well and healthy. Good GCG implementation refers to five principles, namely accountability, transparency, independence, responsibility and fairness. The concept of Good Corporate Governance between

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Chapagain, Ramkrishna, Kaushal Yadhav, and Amrit Baral. "Existence of Joint Venture Banks and their Impacts on the Performance of Non-Joint Venture Commercial Banks in Nepal." INTELLIGENCE Journal of Multidisciplinary Research 2, no. 1 (2023): 1–16. http://dx.doi.org/10.3126/ijmr.v2i1.53542.

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This paper aims to examine the effect of the existence of joint venture (JV) banks on the performance of non-joint venture (NJV) commercial banks of Nepal. The study is based on secondary data, where the data have been collected from fourteen sampled banks' annual reports, Ministry of Finance publications, and World Bank publications. Seven years of data from Fiscal Year 2013/14 to 2019/20 of cross-section units (banks) established before 2008 have been taken for the study. Descriptive analysis, correlation, and regression have been used in the study. The result depicts that JV banks’ existenc

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Pratama, R. A., S. Wahyono, F. L. Sahwan, et al. "The challenges in sustaining waste banks in Serang City: How far the circular economy can go?" IOP Conference Series: Earth and Environmental Science 1201, no. 1 (2023): 012007. http://dx.doi.org/10.1088/1755-1315/1201/1/012007.

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Abstract The existence of a waste bank is designed to reduce the municipal waste problem. However, not all regions can implement the waste banks program to deal with municipal solid waste. In 2019, Serang City managed only 51% of municipal waste out of 155,490 tons of waste/per year, including the contribution from the waste banks. This study aimed to determine the challenges of implementing waste banks and the impact of the circular economy in Serang. This study used a mixed approach which describes the results qualitatively-quantitatively. The study found: the positive response of the commun

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Tran, Xuan Linh Nguyen, Thanh Nga Thi Tran, and Huong, Phan Thi. "Capital structure and profitability of Vietnamese commercial banks: Evidence from Monte Carlo simulation via the Bayes." Journal of Social Economics Research 12, no. 1 (2025): 48–66. https://doi.org/10.18488/35.v12i1.4162.

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The objective of this study was to investigate the existence of an optimal capital structure for commercial banks. The authors employed a Bayesian regression approach to analyze the data gathered from 24 listed commercial banks in Vietnam from 2011 to 2021. The findings prove the existence of the optimal capital structure of banks. Furthermore, the study underscores the significance of bank size in enhancing overall bank performance and reveals that inflation positively affects bank profitability. Leveraging the advantages of the Bayesian methodology for small sample data analysis, the authors

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Bakhit, Wael, and Salma Bakhit. "Banks' Stability." International Journal of Finance & Banking Studies (2147-4486) 3, no. 2 (2014): 60–80. http://dx.doi.org/10.20525/ijfbs.v3i2.184.

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This paper employs a quarterly time series to determine the timing of structural breaks for interest rates in USA over the last 60 years. The Chow test is used for investigating the non-stationary, where the date of the potential break is assumed to be known. Moreover, we empirically examined the deviation from an assumed interest rate as given in a standard Taylor rule and consequences on financial sectors. The empirical analysis is strengthened by analysing the rule from a historical perspective and look at the effect of setting the interest rate by the central bank on financial imbalances.

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Suhita, Sifa Uchtiat, and Hendri Hermawan Adinugraha. "General Public Perception of The Existence of Sharia Bank (Case Study in Tambakroto Village, Kajen District)." Kunuz: Journal of Islamic Banking and Finance 2, no. 1 (2022): 30–44. http://dx.doi.org/10.30984/kunuz.v2i1.180.

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This study aims to determine the general public's perception of the existence of Islamic banks in Tambakroto village, Kajen sub-district. This research is a qualitative research with a descriptive approach. Data collection techniques through observation, interviews, and documentation of the local community. Meanwhile, the data analysis method uses interactive analysis techniques with analysis components consisting of data reduction, data presentation, and drawing conclusions/verification. The results of this study explain that people basically know about Islamic banks but do not know the conce

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Ferlita, Ferlita Natania. "UKT PAYMENT CONTRIBUTION TO THE EXISTENCE OF SHARIA BANKING." Indonesian Journal of Multidisciplinary Sciences (IJoMS) 2, no. 1 (2023): 23–33. http://dx.doi.org/10.59066/ijoms.v2i1.293.

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Payment of UKT (Single Tuition Fee) by students at tertiary institutions in Indonesia has an important contribution to the existence and development of Islamic banking. UKT payments play a role in increasing the number of Islamic bank customers in Indonesia. UKT paid by students often involves the banking system to manage and distribute these funds. Many universities in Indonesia have collaborated with sharia banks to provide UKT payment facilities that comply with sharia principles. Through the involvement of Islamic banks in the UKT payment process, students tend to be more inclined to use I

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Hari, Wibisono, and Tatak Subagiyo Dwi. "The Indonesian Government's Efforts in Overcoming the Negative Consequences of Rent Bank Practices in Giving Credit to Customers." International Journal of Current Science Research and Review 05, no. 08 (2022): 3063–67. https://doi.org/10.5281/zenodo.7003031.

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<strong>ABSTRACT</strong>: The competition in the banking industry is tighter, as well as the existence of rent banks. Financial institutions are segmented into formal and informal financial institutions. Informal financial institutions are prevalent in rural communities and among small entrepreneurs. This study focuses on disclosing the strategy of Indonesian banks in responding to the existence of rent banks. The research method used is empirical legal research. The data obtained were analyzed using deductive methods, namely processing data from primary and secondary data sets. The study res

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Indra Kusuma, Septian, and Apriani Dorkas Rambu Atahau. "Islamic Commercial Banks and Sharia Business Units; How Efficient Are They?" Jurnal Organisasi dan Manajemen 15, no. 2 (2019): 141–52. http://dx.doi.org/10.33830/jom.v15i2.733.2019.

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The purpose of this study is to determine the efficiency level of Islamic commercial banks and Sharia Business Units for the period of 2012-2017 and to examine the existence of size effect in bank efficiency. Using Data Envelopment Analysis (DEA) method, this research employs total assets, deposits, and operating costs as the inputs, while the output is total financing and operating income. The samples are 11 Islamic commercial Banks and 20 Sharia Business Units. Results of this study show that Islamic commercial banks are more efficient than Sharia Business Units during the period of analysis

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Lestari, Dini Maulana, M. Roif Muntaha, and Immawan Azhar BA. "Peran Bank Syariah: Menuju Perekonomian Masyarakat Madani." Mabsya: Jurnal Manajemen Bisnis Syariah 1, no. 2 (2019): 131–44. http://dx.doi.org/10.24090/mabsya.v1i2.3461.

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Islamic banks are present in the community as financial institutions whose activities are based on the principles of Islamic law for the benefit of the people. This study aims to determine the strategic role of Islamic Banks as financial service institutions, the importance of the existence of Islamic Banks and Islamic-based markets and financial instruments in them. In its development, Islamic banks have a role as institutions that turn on public funds, channel funds to the public, transfer assets, liquidity, reallocation of income and transactions. In the Indonesian economic system, the exis

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Pascucci, Stefano, Yat Ming Ooi, and Kenneth Husted. "Designing the Internal Organization for Circular Economy Innovation: A Knowledge Governance and Microfoundations Approach." Journal of Innovation Management 12, no. 2 (2024): 142–70. http://dx.doi.org/10.24840/2183-0606_012.002_0007.

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Firms implementing circular economy principles in their innovation processes necessitates the redesign of well-established processes and practices. This redesign leverages the various knowledge and practice domains within the firm, at different levels and scales. Despite the importance of knowledge to innovation management, there is a lack of research in innovation studies examining how firms could manage different knowledge flows within the circular economy context. In most research in this area, studies tend to assume that existence of governance mechanisms to manage these knowledge flows. H

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Khabib musthofa, Khabib Musthoa, Elman Nafidzi, Dewi Maharani, and Abdul Royzak. "FINANCING LIFE INSURANCE and the CONCEPT of MITIGATING THE RISK of CUSTOMER DEATH." Tawazuna 2, no. 2 (2023): 12–15. http://dx.doi.org/10.35747/twz.v2i2.720.

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The existence of financing in Islamic banking has several financing risks, one of which is the default of the customer due to death. Facing this risk, banks certainly have risk management so that this can be controlled which in the future does not make Islamic banking suffer losses. In writing this article using a descriptive qualitative approach with a literature study, with the aim of describing the existence of life insurance in financing, risk mitigation and the benefits therein. The strategic step to mitigate risk that is most often used by banks is to provide financing life insurance cov

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Ireland, John J. "Just how loyal are Islamic banking customers?" International Journal of Bank Marketing 36, no. 3 (2018): 410–22. http://dx.doi.org/10.1108/ijbm-09-2016-0138.

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Purpose The purpose of this paper is to determine the rate difference required to persuade Islamic banking customers to switch to conventional banks. Design/methodology/approach A choice-based conjoint analysis survey was administered to 300 UAE Islamic banking customers. Customer utilities for Islamic and conventional banks, products and prices were developed to test hypotheses while a market simulation estimated the impact of rate changes on choice shares. Findings Overall, Muslim customers of Islamic banks strongly preferred Islamic banks and products. However, 43 percent were willing to sw

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Alqudah, Mamoun M. A., Saqer Al-Tahat, and Leen Tareq Yasin AlMarabha. "The Effect of Implementing Internal Control Systems According to the COSO Committee in Reducing Money Laundering in Jordanian Commercial Banks." Journal of Ecohumanism 3, no. 4 (2024): 3330–42. http://dx.doi.org/10.62754/joe.v3i4.3847.

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This study sought to determine the effects of an internal control system implementation for banks according to the COSO Committee and its role in reducing money laundering in Jordanian commercial banks, a questionnaire was designed distributed, and analyzed by 45 participants working as external auditors (chartered accountants) for Jordanian commercial banks, and the analytical and descriptive methods were applied, with one sample using the T-test. The study showed several results, including the impact of internal control systems with their eight components in reducing money laundering, as wel

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Asta, Sephia Septiana, Zulfikar Hasan, and Kamiludin Kamiludin. "Comparison Analysis of The Performance of Financial Reports on Conventional Bank and Islamic Bank." Journal of Business and Political Economy : Biannual Review of The Indonesian Economy 5, no. 1 (2024): 67–81. http://dx.doi.org/10.46851/163.

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The existence of many bank financial institutions in Indonesia makes the whole community and the government feel the impact of the existence of banks. From the past until now, all economic activities in Indonesia have depended on bank financial institutions. With the current dual banking system, it is difficult for the public to determine which bank is more effective as a financial institution that can be trusted to have good quality and financial performance. This study aims to find out how the performance of financial statements is compared between conventional banks (BRI) and Islamic banks

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Umi Fikriyah, Muhammad Syahrul Arifin, Hasna Huwaidah, Lilis Arviani, Ade Gunawan, and Muhammad Taufiq Abadi. "PERKEMBANGAN DAN PERAN BANK SYARIAH DALAM MENYONGSONG MASA DEPAN KEUANGAN ISLAM DI INDONESIA." JURNAL ILMIAH RESEARCH AND DEVELOPMENT STUDENT 2, no. 1 (2024): 18–27. http://dx.doi.org/10.59024/jis.v2i1.562.

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The aim of this research is to explain the development and role of financial institutions that use sharia principles, one of which is sharia banks in welcoming the future of Islamic finance in Indonesia. This research method uses a qualitative method with a type of library research with two types of secondary data, namely published papers in the form of books, reputable scientific articles, journal reviews, and reports from official organizations. The results of this research conclude that Sharia Banks in Indonesia are one of the financial institutions that have the main task of providing cred

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Kurniawan, Muhamad Rowi, Abdurrahman, Sinta Thia Anggraeni, Uswatun Hasanah, and Marwiyah. "The Problem of Akad Murabahah in Sharia Banks: Between Profit-Oriented and Sharia Compliance." Demak Universal Journal of Islam and Sharia 2, no. 01 (2024): 55–66. https://doi.org/10.61455/deujis.v2i01.97.

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This study aims to evaluate financing practices with murabahah contracts carried out by Islamic Banks in Indonesia. While this practice can generate significant profits, there are risks of adherence to sharia principles. The main issue involves the use of the wakalah contract and the existence of murabahah objects. Research shows that wakalah contracts are still made at the same time as murabahah contracts, and the existence of murabahah objects is not always ascertained by Islamic banks. In overcoming this dilemma, Islamic banks need to maintain a balance between seeking maximum profit and co

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Djakfar, Muhammad. "Prospek Bank Syari'ah Studi Pendahuluan Pandangan Mahasiswa STAIN Malang." ULUL ALBAB Jurnal Studi Islam 4, no. 1 (2018): 5–31. http://dx.doi.org/10.18860/ua.v4i1.6116.

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This research is to describe the students' opinion on shariah banks in Malang. In this qualitative research, in-depth interview and documentary analysis were used to obtain the needed data. The findings showed that (I) the shariah banks were not sufficiently socialized, (2) the respondents stated that the system applied by the shariah banks were not different from the conventional ones, (3) the respondent supported the existence of these syariah banks as these syariah banks were intended to apply Islamic principles. The three opinions were determined by the respondents' social interaction, adv

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Agung, Juda. "FINANCIAL DEREGULATION AND THE BANK LENDING CHANNEL IN DEVELOPING COUNTRIES: THE CASE OF INDONESIA." Buletin Ekonomi Moneter dan Perbankan 3, no. 1 (2003): 121–45. http://dx.doi.org/10.21098/bemp.v3i1.290.

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The dominant role of commercial banks as a source of finance and the considerable asymmetry of information in financial markets in developing countries have raised an argument that the bank lending channel of monetary transmission mechanism would be very important in such countries. This study addresses the issue by investigating empirically whether there are differential effects of monetary policy on banks’ balance sheets, and its implications to the existence of the bank lending channel of monetary policy in Indonesia, especially since the early 1980s when the government adopted a policy of

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Lestari, Tantiana Anggi, and Yenny Kornitasari. "ANALISIS FAKTOR - FAKTOR INOVASI KEUANGAN TERHADAP PENGUATAN FUNGSI INTERMEDIASI BRANCHLESS BANKING DI INDONESIA (STUDI KASUS BANK BUKU-4)." Contemporary Studies in Economic, Finance and Banking 3, no. 4 (2024): 987–92. https://doi.org/10.21776/csefb.2024.03.4.11.

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Financial innovation was created to make it easier for banks to carry out their intermediation functions. There are many forms of financial innovation that exist today, but in this research the author focuses more on his analysis of strengthening the banking intermediation function through the Branchless Banking system with a sample of BUKU 4 banks (Business Group 4 Commercial Banks). In this research the author used primary data obtained through the results of distributing questionnaires online. From this research it can be concluded that the existence of Branchless Banking really helps banki

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Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.

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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measur

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Habibi, Miftakhur Rokhman, and Ruriana Diah. "Peran Perbankan Syari’ah dalam Perkembangan Perekonomian di Indonesia." Maliyah : Jurnal Hukum Bisnis Islam 12, no. 1 (2022): 1–25. http://dx.doi.org/10.15642/maliyah.2022.12.1.1-25.

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The existence of institutions and all the rules in which there are matters of money in the running of finance in the country, have become the most important foundation and guidance in accelerating the speed of development of a country, especially in terms of the economy. Indonesia is a country with most people embracing Islam, certainly wants a mechanism as a financial regulator. while avoiding the interest system in banking. Islam embodies the basis of sharia trading. Islamic banks appear as an answer about the cons of usury and interest in banking. So, therefore, Indonesian Muslims who want

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Darmisah, Peni, and Saiin Saiin. "Pengaruh Religiositas terhadap Minat Mahasiswa Menabung di Bank Syariah." AL-Muqayyad 4, no. 1 (2021): 25–35. http://dx.doi.org/10.46963/jam.v4i1.339.

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As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count wa

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Gianfrate, Gianfranco, Emilio Santangelo, and Laura Zanetti. "Private benefits of control in the banking industry: A cross-country analysis." Corporate Ownership and Control 10, no. 1 (2012): 487–98. http://dx.doi.org/10.22495/cocv10i1c5art1.

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The study explores the existence and magnitude of private benefits of control in the banking industry around the world. By analyzing 157 control-transfer transactions for banks in 40 countries, we are able to detect the existence of an average 3.3% block transaction premium as a measure of private benefits of control. Consistent with the legal origin theory about the protection of minority shareholders, we find that banks operating in French civil law regimes show on average higher premiums than the banks operating in other legal frameworks. The paper also investigates to what extent regulatio

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Nurizki, Anisa, Muhammad Irfan Hanifiandi Kurnia, Anwar Fitrianto, Bagus Sartono, Sachnaz Desta Oktarina, and Dian Handayani. "Analisis Karakteristik Keberadaan Perbankan di Nusa Tenggara Barat Terhadap Kondisi Perekonomian Daerah Menggunakan K-Means Clustering." Jurnal Statistika dan Aplikasinya 6, no. 2 (2022): 253–63. http://dx.doi.org/10.21009/jsa.06211.

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In certain areas, there are still many people who have to travel long distances to access some banks. Difficult mobility is considered to hinder business activities. The West Nusa Tenggara (NTB) Province is one of the favorite travel destinations for some foreigner tourists as well as domestic tourists because of its natural beauty and cultural diversity. the existence of some banks in the NTB Province , is important to facilitate the circulation of money. For this reason, this study aims to analyze the existence of some banks in the NTB Province and the condition of mobility in accessing them

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Nugroho, Lucky, Akhmad Amien Mastur, Harnovinsah Harnovinsah, and Widya Aryanti. "The Contribution of Islamic Bank in Poverty Alleviation." Al-Ahkam 30, no. 1 (2020): 19. http://dx.doi.org/10.21580/ahkam.2020.30.1.5387.

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<p class="IABSSS">The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The re

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., Yuhelson. "Existence of Dependent Rights Guarantee Binding Related to Financing of Musyarakah Facilities in Islamic Banking." Webology 19, no. 1 (2022): 1782–97. http://dx.doi.org/10.14704/web/v19i1/web19119.

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In the musyarakah financing contract, there is the imposition of mortgage rights, which will be auctioned if the customer does not pay the installments to the Islamic bank. However, the concept of musharakah itself does not recognize any mortgage rights, because musharakah adheres to the principle of profit sharing and losses being shared, with the imposition of mortgage rights on musharakah financing creates legal uncertainty for customers, because banks do not want to bear losses together with customers. From the results of the study it was concluded that, the implementation of the binding o

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Apria Nasrullah Imrani Mahfudz. "Kajian Tentang Tingkat Pemahaman Masyarakat Terhadap Sistem Perbankan Syariah." Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah 2, no. 2 (2024): 107–12. http://dx.doi.org/10.59059/jupiekes.v2i2.1205.

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Despite the progress made by Islamic banks, they still contend with the dominance of conventional banking, which implements an interest-based system. This study aims to assess the public's understanding of Islamic banking, particularly in Jakarta. Field research conducted in the capital city revealed that while people are aware of the existence of Islamic banks, their understanding of the intricacies remains limited. Many are unfamiliar with the products and services offered by Islamic banks, attributing this to a lack of information disseminated through various media channels. This study shed

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Ying, Lai. "Interest Rate Liberalization and Commercial Banks Profitability: Evidence from China." International Journal of Economics and Finance 12, no. 5 (2020): 90. http://dx.doi.org/10.5539/ijef.v12n5p90.

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Enhanced profitability is an important guarantee to improve the well-being of people and better exert the functions of commercial banks in promoting economic, social and production growth on the premise of the existence and development of commercial banks. Interest rate liberalization is one of the key factors which can affect the profitability of commercial banks. An empirical study is thus carried out on 16 Commercial banks (from 2007 to 2018) to analyze the impact of interest rate liberalization on the profitability of commercial banks. We draw main conclusions from this study: (1) the prog

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Tamang, Man Kumar, and Uday Narayan Yadav. "Establishing Bio-bank in Nepal." Journal of Nepal Health Research Council 18, no. 2 (2020): 335–36. http://dx.doi.org/10.33314/jnhrc.v18i2.2208.

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Globally, the establishment of bio-banks began around 1990s when scientists felt need for collaborative researches in biomedical field. Bio-banks collect and preserve biological specimens which are provided to researchers to investigate about specific disease or treatment. In Nepal, eye bank and skin bank are only two types of bio-banks currently in existence. However, specimens collected in these bio-banks are used only for medical treatment, not for research. With this regard, there is urgent need to establish bio-banks in Nepal. In this article, we aim to provide insights on current status

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Revankar, Ashok. "REGIONAL RURAL BANK’S FOUR AND A HALF DECADE JOURNEY." GAP iNTERDISCIPLINARITIES - A GLOBAL JOURNAL OF INTERDISCIPLINARY STUDIES 3, no. 3 (2020): 45–51. http://dx.doi.org/10.47968/gapin.33008.

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Regional Rural Banks have been conceived mainly for meeting the requirements of ruralites and to uplift them by providing necessary timely financial assistance. The regional Rural banks appeared in the Indian banking map with a number of objectives. In spite of their success and failure, these banks definitely tried to reach the rural mass. These banks which emerged as new species in the arena of Indian banking system have done a good work and have to travel a long way by facing many challenges. In the process of rural development certainly Regional Rural Banks are playing crucial role. Their

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Ulkhaq, M. Mujiya. "A SLACKS-BASED MEASURE OF EFFICIENCY IN DATA ENVELOPMENT ANALYSIS TO ASSESS EFFICIENCY OF INDONESIAN SHARIA BANKS." Khatulistiwa 13, no. 1 (2023): 37–46. http://dx.doi.org/10.24260/khatulistiwa.v13i1.2381.

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With the development of sharia banks, one of the effects that occurs is the existence of competition among sharia banks. The objective of this study is then to analyze the efficiency of sharia banks in Indonesia. Understanding the efficiency is important because if banks perform consistently with full efficiency, the less inputs they use, the larger output they achieve. The output is measured by total earning asset, while the inputs used are total deposit and total operating costs. A slacks-based measure of efficiency in data envelopment analysis is used to accomplish the objective of the rese

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Utama, Cynthia A., and Haidir Musa. "The Causality between Corporate Governance Practice and Bank Performance: Empirical Evidence from Indonesia." Gadjah Mada International Journal of Business 13, no. 3 (2011): 227. http://dx.doi.org/10.22146/gamaijb.5481.

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The aim of this study is to examine the existence of causality between corporate governance practice and performance of commercial banks in Indonesia. We also investigate the influence of age, capital adequacy, and type of commercial banks on bank performance and examine the influence of the bank size, foreign ownership, and listing status on corporate governance practice. The result shows that corporate governance practice, bank size and capital adequacy ratio have positive influences on bank performance in Indonesia. However, bank performance does not influence corporate governance practice.

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Pandey, Smita. "A STUDY ON FINANCIAL SCALABILITY CHECK ON INDIAN SMALL DEVELOPMENT BANKS." International Journal of Management, Public Policy and Research 2, no. 4 (2023): 45–50. http://dx.doi.org/10.55829/ijmpr.v2i4.188.

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This study examines the financial scalability of small development banks in India by conducting a thorough analysis of their financial statements, risk management policies, and growth strategies. The research aims to evaluate the banks' ability to sustain growth while maintaining their financial stability and minimizing risks. The study also investigates the role of regulatory bodies in ensuring financial scalability in small development banks. The findings suggest that while small development banks in India have demonstrated significant growth potential, there is room for improvement in their

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Hamja, Hamja. "PERAN BANK INDONESIA DALAM KEJAHATAN PERBANKAN YANG DILAKUKAN OLEH BANK BALI." Yustitia 4, no. 2 (2018): 162–77. http://dx.doi.org/10.31943/yustitia.v4i2.42.

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The existence of a central bank is also needed to regulate and supervise banks so that their activities can develop healthy and run smoothly so that it can encourage economic activities. This is considering that the existence of an impartial regulator will bring banks to carry out their operations efficiently and be able to advance economic development. In the interbank payment system, Bank Indonesia has the duty to regulate and maintain a smooth payment system. Including the problems that occurred in the case of Bank Bali, the task of Bank Indonesia as an institution that regulates and mainta

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Rehman, Nadeem Ur, and Kiran fatima. "Is Digital Financial Inclusion Valuable to Banks' Profitability and Long-Term Economic Development? Developing Asia Indications." Scandic Journal Of Advanced Research And Reviews 2, no. 3 (2022): 039–69. http://dx.doi.org/10.55966/sjarr.2022.2.3.0042.

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he current study was an attempt to examine and ensure the existence of relationship between digital financial inclusion and banks economic stability and the importance of DFI for banking organizations of Asian countries. The current study incorporated data from six different countries and sixty-five banks primarily Islamic banks, as Islamic banking system has proved itself reliable in the times of DFC of 2007-09 and their contribution to improve and stable the global economy during and after the financial crises of 2007-09 and Covid-19.

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Monia Ben Latifa, Monia Ben Latifa. "Contagion between Islamic and Conventional Banks in Malaysia: Empirical Investigation using a DCC-GARCH Model." journal of king Abdulaziz University Islamic Economics 31, no. 1 (2018): 167–78. http://dx.doi.org/10.4197/islec.31-1.11.

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The purpose of this paper is to compare the stability, in terms of contagion, of conventional and Islamic banks in Malaysia. We use a DCC-GARCH model to estimate the dynamic conditional correlation (a measure of financial contagion) for a sample of one Islamic bank and eight conventional banks during the period from March 31, 2004 to March 18, 2014. From the empirical findings, we show that the conditional correlation between the returns of conventional and Islamic banks in Malaysia increased during the period of financial crisis. This finding implies the existence of a financial contagion eff

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Sagantha, Fitri. "MENINJAU KINERJA BANK SYARIAH DI INDONESIA." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 3, no. 1 (2020): 31–40. http://dx.doi.org/10.37481/sjr.v3i1.123.

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To show the role, then show the performance. Maybe, the term is right for the bank. The existence of banks influences economic stability, therefore financial performance must be good. There is no choice but to increase the entire financial ratio. Interest in reviewing the financial ratios of banks, especially Islamic banks, is the goal to be achieved in this study. Use financial statements as data, and analyze the extent of their performance and influence. For this reason, a quantitative approach and regression analysis are needed. So that research results can be explained properly. The findin

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Matveevskii, S. S. "EVALUATION OF THE EFFICIENCY OF DEVELOPMENT BANKS ACTIVITIES AS AN IMPORTANT FACTOR OF ECONOMIC SUCCESS (ON THE EXAMPLES OF GERMAN, ASIAN AND AFRICAN DEVELOPMENT BANKS)." Vestnik Universiteta, no. 4 (May 27, 2019): 151–57. http://dx.doi.org/10.26425/1816-4277-2019-4-151-157.

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The existence of a system for assessing the activities of development banks is a necessary condition for a significant contribution of banks to economic development. The article deals with the experience of evaluating the effectiveness of projects and activities of development banks on the examples of the German development Bank, the Asian development Bank and the African development Bank. It has been revealed, that development banks for the evaluation of projects, their activities apply financial and socio-economic indicators, which are used to improve the work of development banks. The basic

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Kristiawan, Rochmad, and Prasetiono Prasetiono. "PENGARUH SIZE, NPL, EQUITY TO ASSET RATIO, LDR, GWM, LABOR PRODUCTIVITY DAN MARKET CONCENTRATION TERHADAP KINERJA BANK (Studi pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2014-2018)." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (2022): 61–70. http://dx.doi.org/10.14710/jsmo.v17i1.39203.

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The existence of different levels of bank’s performance in each Indonesian banks and the existence of banks with under level performance makes research on the factors that influence bank’s performance becomes more important to be examined. The aim of the research is to analyze the effect of size, size, Non-performing Loan (NPL), Equity to Asset Ratio (EAR), Loan to Deposit Ratio (LDR), reserve requirement (GWM), labor productivity and market concentration (which is proxied by market share of each bank) on the performance of listed conventional banks in Indonesia. The bank’s performance in this

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Awwad, Bahaa Sobhi AbdeLatif. "Market power and performance: An Islamic banking perspective." Corporate Ownership and Control 15, no. 3-1 (2018): 163–71. http://dx.doi.org/10.22495/cocv15i3c1p2.

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This study aims to test the theories of market power and its role in interpreting the performance of Islamic banks in the GCC countries. Based on data from 22 Islamic banks for the period 2012-2017, using standard models, market power theories were unable to explain the returns of Islamic banks in the Gulf. Accordingly, these results deny the existence of an impact of monopoly in the structure of the Islamic banking sector in the performance of this sector, as well as the impact of traditional efficiency in its performance.

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Zhabina, Svetlana. "Econometric Analysis of Bank Lending Channel Efficiency in Russia." Moscow University Economics Bulletin 2017, no. 3 (2017): 61–79. http://dx.doi.org/10.38050/01300105201734.

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The paper investigates the relationship between monetary policy indicator and bank lending in Russia using dynamic panel regressions and quarterly banks’ balance sheets data for the period of 2010- 2016. The main purpose of the paper is to identify bank characteristics, which determine the reaction of bank lending to monetary policy shocks. The results support the existence of a bank lending channel of monetary transmission. The extent to which banks change lending in response to monetary policy changes depends on banks’ liquidity, size and refinancing from the central bank.

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Morgan, Donald P. "Rating Banks: Risk and Uncertainty in an Opaque Industry." American Economic Review 92, no. 4 (2002): 874–88. http://dx.doi.org/10.1257/00028280260344506.

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The pattern of disagreement between bond raters suggests that banks and insurance firms are inherently more opaque than other types of firms. Moody's and S&P split more often over these financial intermediaries, and the splits are more lopsided, as theory here predicts. Uncertainty over the banks stems from certain assets, loans and trading assets in particular, the risks of which are hard to observe or easy to change. Banks' high leverage, which invites agency problems, compounds the uncertainty over their assets. These findings bear on both the existence and reform of bank regulation.

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Hengqiang, Ke. "Study on How Commercial Banks Can Accelerate the Collection and Disposal of Non-performing Credit Assets." Journal of New Media and Economics 1, no. 4 (2024): 100–102. https://doi.org/10.62517/jnme.202410415.

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In the process of long-term development, due to policy changes, operational management and other factors, a large number of non-performing assets have emerged in the operation of commercial banks in China. The existence of non-performing assets not only greatly reduces the liquidity, safety, and profitability of commercial bank assets in China, but also begins to affect the development and progress of commercial banks. Based on this, this paper mainly explores how commercial banks can accelerate the collection and disposal of non-performing credit assets, hoping to serve as a reference.

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