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Journal articles on the topic 'Payment term'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Sorenson, Corinna, Michael Drummond, Aleksandra Torbica, Giuditta Callea, and Ceu Mateus. "The role of hospital payments in the adoption of new medical technologies: an international survey of current practice." Health Economics, Policy and Law 10, no. 2 (2014): 133–59. http://dx.doi.org/10.1017/s1744133114000358.

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AbstractThis study examined the role of prospective payment systems in the adoption of new medical technologies across different countries. A literature review was conducted to provide background for the study and guide development of a survey instrument. The survey was disseminated to hospital payment systems experts in 15 jurisdictions. Fifty-one surveys were disseminated, with 34 returned. The surveys returned covered 14 of the 15 jurisdictions invited to participate. The majority (71%) of countries update the patient classification system and/or payment tariffs on an annual basis to try to

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Kapil, Bishla, and Yogesh Chandra Vishnoi Dr. "A Study of Farmers' Perspectives on The Selection of Digital Payment Instruments." International Journal of Advance and Applied Research 10, no. 3 (2023): 85–88. https://doi.org/10.5281/zenodo.7583206.

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In India, internet and e-payment usage has increased dramatically. Digital payment is becoming increasingly prevalent. In digital payment, the payer and recipient transmit fixed digital numbers. The term for this is digital payment. This region is no longer uninhabited by farmers. Even though there are fewer digital farmers, a favorable attitude toward digital payments might expand their use. 65% of India's populace depends on agriculture, so farmers' attitudes are also significant. As a result of most of the research indicating that 80 percent of farmers believe digital payment to be

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Shaffer, Robert M., W. David Klemperer, and Richard D. Meyer. "Determining the Initial Annual Payment for a Long-Term Timberland Lease." Southern Journal of Applied Forestry 9, no. 4 (1985): 250–53. http://dx.doi.org/10.1093/sjaf/9.4.250.

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Abstract A method to determine the initial lease payment for a long-term timberland lease is presented from the viewpoint of both the landowner and the firm. The firm's analysis determines the maximum annual lease payment with an after-tax present value equal to the after-tax present value of the anticipated harvest income less all contract costs. The landowner's analysis equates the present value of a series of (less risky) indexed lease payments to the present value of a (more risky) timber production investment alternative.

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Pathak, Neil, Rance J. T. Fujiwara, and Saral Mehra. "Assessment of Nonresearch Industry Payments to Otolaryngologists in 2014 and 2015." Otolaryngology–Head and Neck Surgery 158, no. 6 (2018): 1028–34. http://dx.doi.org/10.1177/0194599818758661.

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Objective To characterize, describe, and compare nonresearch industry payments made to otolaryngologists in 2014 and 2015. Additionally, to describe industry payment variation within otolaryngology and among other surgical specialties. Study Design Retrospective cross-sectional database analysis. Setting Open Payments Database. Subjects and Methods Nonresearch payments made to US otolaryngologists were characterized and compared by payment amount, nature of payment, sponsor, and census region between 2014 and 2015. Payments in otolaryngology were compared with those in other surgical specialti

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Liu, Korbin, and Kirsten J. Black. "Hospital-Based and Freestanding Skilled Nursing Facilities: Any Cause for Differential Medicare Payments?" INQUIRY: The Journal of Health Care Organization, Provision, and Financing 40, no. 1 (2003): 94–104. http://dx.doi.org/10.5034/inquiryjrnl_40.1.94.

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Differential Medicare payments for hospital-based and freestanding skilled nursing facilities (SNFs) were eliminated by the SNF prospective payment system initiated in 1998. Closures and high negative margins of hospital-based facilities have prompted consideration of the need to revisit payment adjustments for this group of SNFs. We examine case mix-related and other factors behind the cost differences between hospital-based and freestanding SNFs. Some payment adjustment, notably for nontherapy ancillary services, may be reasonable for the short term.

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-, Mundirin, Purwanto, and Natalia Bani Pratiwi. "SISTEM INFOMASI ADMINISTARSI KEUNGAN SISWA BERBASIS WEB DI SEKOLAH MAHABODHI VIDYA." ISTA Online Technologi Journal 2, no. 2 (2021): 1–11. http://dx.doi.org/10.62702/ion.v2i2.37.

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The school payment system at the Mahabodhi Vidya School is still done manually both in term of transactions and data recap. Thus slowing down the payment process, recording and recap of payments. This causes the processes related to school payments have not run optimally. The overcome this problem, the authors propose to design and build applications that suport databases systems so that school payment processing is more effective and efficient. The application of financial administration information systems at the Mahabodhi Vidya School was designed using the waterfall development method with

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Mamonov, M., A. Pestova, and O. Solntsev. "Cash Cult in Russia: How to Debunk It and What Will Be the Consequences?" Voprosy Ekonomiki, no. 7 (July 20, 2011): 79–101. http://dx.doi.org/10.32609/0042-8736-2011-7-79-101.

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Since 2010 the issues of development of retail payment systems in Russia have been discussed by the general public. But there is still a lack of assessments of possible macroeconomic effects. In our research we offer systematization of positive effects generated by broad implementation of retail payment systems and analyze the key tendencies in substitution of cash payments by non-cash payment instruments. We compare both potential of monetary policy and specific technical measures (growth in use of payment infrastructure, etc.) in stimulating households demand for retail payment systems in Ru

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Novitasari, Novitasari. "Pembatasan Jangka Waktu Penundaan Kewajiban Pembayaran Utang terhadap Debitor dalam Kepailitan." Lambung Mangkurat Law Journal 2, no. 2 (2017): 123. http://dx.doi.org/10.32801/lamlaj.v2i2.39.

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The aims of the research is to analyze reasons for short term restriction onthe Postponement of Debt Payment Obligation (PDPO), the existence of time limitprovisions resulting the failure of the debtors’ debt efforts with creditors, and thePKPU’s term limits on legal protection for the interests of debtors to prevent bankruptcy.This research is a normative juridical research. Data used in this researchwere secondary data obtained from official documents, books related to the objectof research, research results in the form of reports, bachelor thesis, master thesis,dissertation and regulations.

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Gao-, Yueguang, and Ziying Fan. "Fiscal Transfer, Education Investment and Long-Term Educational Performance." China Finance and Economic Review 11, no. 2 (2022): 68–84. https://doi.org/10.1515/cfer-2022-0010.

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Abstract Reasonable allocation of educational powers and expenditure responsibilities between central and local government is crucial to the development of education. The reason lies in the fact that local governments have relatively insufficient incentives to invest in education by using local fiscal revenues, while the central government, which pursues the maximization of the interests of the whole society, could promote education and other public services with spatial spilloves. The fiscal transfer payment has made up for the shortage of local investment in education. This paper uses 2010 c

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Du, Tiantian, Junting Yang, Ying Li, Meng Zhang, and Yuehua Liu. "PP548 The Design Of Long-term Care Insurance Payment: Base On Pilot Practice In Jingmen." International Journal of Technology Assessment in Health Care 36, S1 (2020): 41–42. http://dx.doi.org/10.1017/s0266462320001993.

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IntroductionWith the aging of population, miniaturization of family size and changes of diseases spectrum, the demand for long-term care of Chinese elderly is increasing, which is challenging the existing long-term care system. China is currently carrying out pilot work for a long-term care insurance system, and Jingmen is one of the pilot cities, however more detailed research on payment is needed. Therefore, this paper draws on case-mixed-adjusted prospective payment system to provide designs for long-term care insurance in pilot cities.MethodsAdopting a case analysis method, this paper focu

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LE, LI, NG KENG YAP DR., YANG ZHANG YANG, and JIN MINYI. "New Kitchen Payment System Services at the University of Derby ensure long-term viability." International Journal of Science and Business 15, no. 1 (2022): 142–52. https://doi.org/10.5281/zenodo.7377902.

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  The current project report focuses on the examination and conclusions of the interaction between the kitchen and blend areas with a new payment technique for students at the University of Derby, UK, utilizing the Servuction Framework. Essentially, our project paper evaluates the new payment systems at the University of the Kitchen using five service features and considers how to create and implement the new services. Furthermore, we identify potential challenges and develop ideas for real-world kitchen operations services utilizing service theatre models. We also focus on new services a

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Butakova, Nadezhda Alexandrovna. "Letter Of Credit as a Payment Instrument of the Export-Import Deal." Theoretical and Applied Law, no. 1 (June 7, 2019): 81–87. https://doi.org/10.5281/zenodo.15350739.

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Letter of credit — a financial term, one of the types of payment instruments between the participants of export-import contract. Today the letter of credit is recognized by financiers in all over the world as the most universal way of payment in foreign economic activity. The letter of credit allows the businessmen to solve several problems at once. The letter of credit guarantees: minimization of possible legal risks; additional insurance against unfair contractors in a foreign trade. Russian companies that have experience of working with international partners on the basis of long-term

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Nanayakkara, Samudaya, Srinath Perera, Sepani Senaratne, Geeganage Thilini Weerasuriya, and Herath Mudiyanselage Nelanga Dilum Bandara. "Blockchain and Smart Contracts: A Solution for Payment Issues in Construction Supply Chains." Informatics 8, no. 2 (2021): 36. http://dx.doi.org/10.3390/informatics8020036.

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The construction industry has dynamic supply chains with multiple suppliers usually engaged in short-term relationships. Government legislation, novel types of payment agreements, conventional information technology solutions, and supply chain management best practices have endeavoured to solve payment-related financial issues in the construction industry, which are mainly caused by the complexities of the construction supply chain. Nevertheless, payment-related issues persist as one of the key challenges in the industry. Applications of blockchain technology–a trusted, distributed data storin

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Naik, Pratham, Yash Kotak, Jaydev Dhanak, et al. "Impacts of Online Payment Systems on Consumers and Merchants." Siber Journal of Transportation and Logistics 1, no. 4 (2024): 179–90. https://doi.org/10.38035/sjtl.v1i4.296.

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This study investigates the effects of digital payment systems on consumer behaviours and merchant operations in Ahmedabad. The research is guided by two objectives: analysing the impact of consumer trust on the adoption of digital payment systems, and evaluating the role of these systems in enhancing merchant efficiency and financial performance. Data was collected from 110 respondents using a structured questionnaire, with statistical analysis conducted using SPSS. The results highlight a significant positive relationship between consumer trust and digital payment adoption. Additionally, the

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Naik, Pratham, Yash Kotak, Jaydev Dhanak, et al. "Impacts of Online Payment Systems on Consumers and Merchants." Dinasti International Journal of Economics, Finance & Accounting 5, no. 6 (2025): 6329–41. https://doi.org/10.38035/dijefa.v5i6.4226.

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This study investigates the effects of digital payment systems on consumer behaviours and merchant operations in Ahmedabad. The research is guided by two objectives: analysing the impact of consumer trust on the adoption of digital payment systems, and evaluating the role of these systems in enhancing merchant efficiency and financial performance. Data was collected from 110 respondents using a structured questionnaire, with statistical analysis conducted using SPSS. The results highlight a significant positive relationship between consumer trust and digital payment adoption. Additionally, the

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Putra, Hari Setia, Mutia Huljannah, and Monica Putri. "ANALYSIS OF THE DEMAND FOR MONEY AND THE VELOCITY OF MONEY IN THE DIGITAL ECONOMY ERA: A CASE STUDY IN INDONESIA." Jurnal REP (Riset Ekonomi Pembangunan) 6, no. 1 (2021): 110–25. http://dx.doi.org/10.31002/rep.v6i1.3719.

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In the digital economy era, efficiency and effectiveness are required in carrying out all life activities, including transaction activities. The urge to payment innovates systems as an effort to meet the needs of the community has led to several new non-cash-based payment instruments, such as paperless-based payment transactions. The existence of non-cash transactions shifts the role of cash in society. This study aims to examine the effect of paperless-based non-cash payments represented by credit cards, debit cards, and electronic money on the demand and velocity of money in Indonesia. Using

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C.C., Sreelakshmi, and Sangeetha K. Prathap. "Continuance adoption of mobile-based payments in Covid-19 context: an integrated framework of health belief model and expectation confirmation model." International Journal of Pervasive Computing and Communications 16, no. 4 (2020): 351–69. http://dx.doi.org/10.1108/ijpcc-06-2020-0069.

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Purpose Shifting to mobile-based banking transactions from physical banking transactions can be considered as a social distancing mechanism, which helps to prevent the spread of Covid-19 virus. As the spread of Covid-19 is expected to continue for long, the continued usage of mobile-based payment services as a strategy to maintain social distancing has to prevail. Hence, this study aims to propose an integrated framework of mobile payments adoption and its continuance intention by integrating health belief model (HBM) and expectation confirmation model (ECM) of information system continuance.

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Omelyanovskiy, V. V., N. N. Sisigina, V. K. Fedyaeva, and N. Z. Musina. "Evolution of healthcare provider payment mechanisms." FARMAKOEKONOMIKA. Modern Pharmacoeconomic and Pharmacoepidemiology 12, no. 4 (2020): 318–26. http://dx.doi.org/10.17749/2070-4909.2019.12.4.318-326.

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Methods of payment to care providers constitute an essential part of the healthcare financing system; these mechanisms determine the motivation of service providers. Throughout the history of public health care, the payment methods have been gradually improved so to stimulate the providers to best match the societal demands (greater access to health services, cost reduction, and better quality) and prevent “moral hazards”. As a result, the most advanced healthcare systems have stopped paying simply for service volume and rigorously restraining the costs. Instead, the updated system is based on

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Jennifer, Catharina Chrisyana, Marsella Katy, Nathalina Amelinda, and Tiurida Lily Anita. "Continuance Intention on Using E-Payment in Hotel Business." E3S Web of Conferences 426 (2023): 02126. http://dx.doi.org/10.1051/e3sconf/202342602126.

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This study aims to analyze the continuance intention of using e-payment technology in the hotel business, focusing on sustainable usage. The research adopts a quantitative approach and includes 207 respondents who actively use e-payment technology. Random sampling is employed to ensure a representative sample. Data analysis is conducted using the SmartPLS application. The findings indicate a significant relationship between the desire and interest in using e-payment technology (continuance intention) and the sustainable utilization of e-payment technology. These results contribute to the under

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Iwańczuk-Kaliska, Anna. "Challenges for central banks in a changing payments landscape." e-Finanse 13, no. 2 (2017): 75–86. http://dx.doi.org/10.1515/fiqf-2016-0024.

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AbstractThe aim of the paper is to discuss key challenges facing central banks due to evolution of payment systems. The author distinguishes two aspects of the problem. The first one considers the implications of changes in payments for the roles of central banks in national payment systems, namely their role as operators, oversight authorities and catalysts. The second question is how evolution of payment systems influences the nature of central banking. The study is based on the literature review and the analysis and assessment of the information coming from the reports of international inst

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Li, Ruihai, Konstantina Skouri, Jinn-Tsair Teng, and Wen-Goang Yang. "Seller's optimal replenishment policy and payment term among advance, cash, and credit payments." International Journal of Production Economics 197 (March 2018): 35–42. http://dx.doi.org/10.1016/j.ijpe.2017.12.015.

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Goldstein, Michael A., Paul Irvine, and Andy Puckett. "Purchasing IPOs with Commissions." Journal of Financial and Quantitative Analysis 46, no. 5 (2011): 1193–225. http://dx.doi.org/10.1017/s0022109011000317.

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AbstractWe find direct evidence that institutions increase round-trip stock trades, increase average commissions per share, and pay unusually high commissions on some trades in order to send abnormally high commissions to the lead underwriters of profitable initial public offerings (IPOs). These excess commission payments are a particularly effective way for transient investors to receive lucrative IPO allocations. Our results suggest that the underwriter’s concern for their long-term client relationships limits the payment-for-IPO practice. We estimate that abnormal commission payments are la

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Angelia Alfatwa Rusandi Siregar, Heny Triastuti Kurnia Ningsih, and Pretty Nur A’yuni Laoli. "Peran Pembayaran Digital Payment Gateway Dalam Meningkatkan Kinerja Keuangan Pada UMKM." CiDEA Journal 2, no. 2 (2023): 76–86. http://dx.doi.org/10.56444/cideajournal.v2i2.1279.

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The emergence of the term Financial Technology (fintech) today is one of the changes caused by current developments. Financial technology (fintech) has several types, one of which is payment gateway. Currently, MSMEs in Indonesia have an important role in Indonesia, namely improving its economy and being able to accelerate regional development. The aim of this research is how influential the use of digital payment "payment gateways" is in improving the financial performance of MSMEs, through the findings and views of previous researchers. The method used is the Systematic Literature Review (SL

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Alifah, Fathin, and Kayla Nurul Kurniasih. "Application of Mathematical Models in Creating Optimal Strategies to Reduce Home Ownership Credit Costs." International Journal of Global Operations Research 6, no. 1 (2025): 13–17. https://doi.org/10.47194/ijgor.v6i1.356.

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Home Ownership Credit (KPR) is one of the important financing options for people who want to own a home. However, the total amount to be paid during the loan period is high, which is why for many borrowers this study aims to apply mathematical models to develop optimal strategies to reduce the overall mortgage entry costs. This study uses the annuity concept to model installment payments by considering factors such as interest rate, term, and payment frequency. The model also considers repayment scenarios that include early repayment options to reduce long-term interest costs. Simulation resul

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Jasienė, Meilė, and Antanas Laurinavičius. "Problems of Credit Risk Management in Companies and Means of Their Solution." Business: Theory and Practice 10, no. (1) (2009): 15–29. https://doi.org/10.3846/1648-0627.2009.10.15-29.

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The paper analyses credit risk management problems in non-financial companies and possible methods for reducing the risk. The research aims at determining the factors influencing the credit risk, establishes the measures reducing the risk and evaluates their effectiveness. A supplier credit is the principal short-term financing source of small and medium-size companies given the insufficient credibility and collaterals of these companies in order to obtain a credit in financial markets. Meanwhile, supplier credit means that suppliers not only finance their customers providing them with cheap r

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Wise, Sarah, Jane Hall, Philip Haywood, Nikita Khana, Lutfun Hossain, and Kees van Gool. "Paying for value: options for value-based payment reform in Australia." Australian Health Review 46, no. 2 (2021): 129–33. http://dx.doi.org/10.1071/ah21115.

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Value-based health care has gained increasing prominence among funders and providers in efforts to improve the outcomes important to patients relative to the resources used to deliver care. In Australia, the value-based healthcare agenda has focused on reducing the use of ‘low-value’ interventions, redesigning models of care to improve integration between providers and increasing the use of patient-reported measures to drive improvement; all have occurred within existing payment structures. In this paper we describe options for value-based payment reform and highlight two challenges critical f

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Del Pozo-Rubio, Raúl, Isabel Pardo-García, and Francisco Escribano-Sotos. "Financial Catastrophism Inherent with Out-of-Pocket Payments in Long Term Care for Households: A Latent Impoverishment." International Journal of Environmental Research and Public Health 17, no. 1 (2020): 295. http://dx.doi.org/10.3390/ijerph17010295.

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Background: Out-of-pocket (OOP) payments are configured as an important source of financing long-term care (LTC). However, very few studies have analyzed the risk of impoverishment and catastrophic effects of OOP in LTC. To estimate the contribution of users to the financing of LTC and to analyze the economic consequences for households in terms of impoverishment and catastrophism after financial crisis in Spain. Methods: The database that was used is the 2008 Spanish Disability and Dependency Survey, projected to 2012. We analyze the OOP payments effect associated to the impoverishment of hou

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S Ulle, Dr Ravishankar. "Impact of Demonetization (2016) on Digital Payment Growth in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41678.

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The demonetization of ₹500 and ₹1,000 currency notes in November 2016 marked a transformative shift in India's payment ecosystem, accelerating the adoption of digital payment methods. This study examines the impact of demonetization on the growth of Unified Payments Interface (UPI) transactions and e-wallet usage in India. By analyzing transaction volumes, growth trends, and consumer behaviour, this research highlights how demonetization acted as a catalyst for digital financial inclusion. Using data from the Reserve Bank of India (RBI), the National Payments Corporation of India (NPCI), and f

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Douglass, Paula S., Robert L. Rosen, Peter W. Butler, and Roger C. Bone. "DRG Payment for Long-term Ventilator Patients." Chest 91, no. 3 (1987): 413–17. http://dx.doi.org/10.1378/chest.91.3.413.

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AULT, ALICIA. "Online Skin Term Dictionary May Facilitate Payment." Family Practice News 39, no. 4 (2009): 26. http://dx.doi.org/10.1016/s0300-7073(09)70145-8.

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Eliason, Paul J., Paul L. E. Grieco, Ryan C. McDevitt, and James W. Roberts. "Strategic Patient Discharge: The Case of Long-Term Care Hospitals." American Economic Review 108, no. 11 (2018): 3232–65. http://dx.doi.org/10.1257/aer.20170092.

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Medicare’s prospective payment system for long-term acute-care hospitals (LTCHs) provides modest reimbursements at the beginning of a patient’s stay before jumping discontinuously to a large lump-sum payment after a prespecified number of days. We show that LTCHs respond to the financial incentives of this system by disproportionately discharging patients after they cross the large-payment threshold. We find this occurs more often at for-profit facilities, facilities acquired by leading LTCH chains, and facilities colocated with other hospitals. Using a dynamic structural model, we evaluate co

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Dzgoeva, F. O. "Some Ethical and Legal Challenges in Effective Long-Term Care System Development." Lex Russica 76, no. 2 (2023): 134–44. http://dx.doi.org/10.17803/1729-5920.2023.195.2.134-144.

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The Russian social protection system of recent years has been characterized by the chaotic nature of the ongoing reforms, which sometimes have the main task of solving momentary economic problems. An increase in the level of social benefits or the introduction of new ones occurs, as a rule, for the most active and dissatisfied part of the population. Thus, in 2019, under the influence of public associations of parents of disabled children, the compensation payment for this category of citizens was increased to 10,000 rubles, while the payment to caregivers for other categories of people in nee

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Habibah, Sintiya Ummi, and Kharis Fadlullah Hana. "Dinamika Perilaku Keuangan Dalam Penggunaan Fintech Payment Pada Masyarakat Muslim di Kudus." JEBISKU: Jurnal Ekonomi dan Bisnis Islam IAIN Kudus 1, no. 3 (2023): 380. https://doi.org/10.21043/jebisku.v1i3.868.

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AbstractTechnological developments in several fields are currently starting to move towards digitalization, one of which is in the financial sector. Many people now carry out their transaction activities online, including their payments. This gave rise to a new term in the field of finance which is commonly called fintech (financial technology). Fintech consists of several types, but in this study it only focuses on types of fintech payments. Those included in fintech payments are payment gateways, e-wallets, e-money, and paylaters. The emergence of various online payment services certainly ha

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Špička, Jindřich. "DEFAULT RISK OF THE CONSTRUCTION COMPANIES IN RELATION TO THEIR FINANCIAL CONDITION." Science and Studies of Accounting and Finance: Problems and Perspectives 9, no. 1 (2014): 236–44. http://dx.doi.org/10.15544/ssaf.2014.26.

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The construction industry is highly sensitive on economic cycle. So, construction companies have experienced hard times in the crisis period. The aim of the article is to identify, compare and evaluate financial position of companies with different payment habits in the Czech construction industry in the period 2008 – 2012 using individual data and suitable statistical methods (Kolmogorov-Smirnov test at the significance level of α = 0.05). The article also focuses on evaluation of the default risk coming from construction companies. The overall financial condition is analyzed through predicti

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Ivanenko, Valentyna. "MODELING OF FRANCHISE PAYMENTS IN THE RESTAURANT BUSINESS: ACCOUNTING AND ANALYTICAL ASPECT." Economics. Management. Innovations, no. 2(35) (December 9, 2024): 30–52. https://doi.org/10.35433/issn2410-3748-2024-2(35)-3.

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The article discusses franchising as an effective business model of restaurant business. The state and development of the franchise market in the world and in Ukraine is analyzed. The advantages of running a restaurant business under franchise conditions are given. It has been established that three main options for calculating the use of a franchise can be distinguished: payment of only a one-time lump sum as the price for the right to join the restaurant chain; systematic payment during the term of the contract in the form of a royalty at a fixed rate or as a certain percentage of the franch

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Dion Yanuarmawan. "FLAT DAN SLIDING DALAM PROFITABILITAS BANK." Jurnal Akuntansi dan Ekonomi Bisnis 7, no. 2 (2018): 30–39. http://dx.doi.org/10.33795/jaeb.v7i2.347.

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The purpose of this study Analyze and conclude the calculation of flat and sliding using flase  method in bank profitability, Studies at PT. BPR Gunung Ringgit Malang. Data analysis  technique using Interview, directly PT. BPR Gunung Ringgit Malang Credit Section. Sampling  in this research purposive sampling technique is income statement, customer data of flat and  sleding credit, and cash flow statement. Based on the Income Statement in 2015, interest income  with flat interest payment system is Rp. 2,918,666,748 whereas effective sliding interest payment 

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Salsa, Adelia. "Optimalisasi Pengelolaan Biaya dengan Digital Payment pada Bisnis Hiburan Anak: Kasus Kiddy Playland." Jurakunman (Jurnal Akuntansi dan Manajemen) 18, no. 1 (2025): 106. https://doi.org/10.48042/jurakunman.v18i1.362.

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The increasing adoption of digital payment systems has transformed various sectors, including the children's entertainment industry. However, many businesses in this sector still face challenges in fully optimizing this technology. This research examines how Kiddy Playland, a children's play center, has implemented digital payment systems to optimize cost management. The main objective is to analyze the effectiveness of digital payment in enhancing operational efficiency, reducing transaction errors, and improving customer relationships. The study employs a qualitative descriptive approach wit

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Arunkumar, Paramasivan. "Enhancing Customer Trust in Card Payments: AI-Based Risk Management Models." International Journal of Leading Research Publication 5, no. 10 (2024): 1–11. https://doi.org/10.5281/zenodo.14551569.

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The rapidly evolving digital transactions, enhancing customer trust in card payments has become paramount.This article explores how artificial intelligence (AI) is reshaping risk management in card payments, fostering security and customer confidence through real-time fraud detection, predictive analytics, and regulatory compliance. AI-based models harness the power of machine learning algorithms to identify suspicious patterns, mitigate risks, and dynamically adapt to emerging security threats. This proactive approach to fraud prevention not only minimizes financial losses but also strengthen

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Newman, J. Forbes, and Terrance M. Hughes. "Selected Topics with Respect to the Freehold Oil and Gas Lease - Top Lease, Estoppel and Shut-In Royalties." Alberta Law Review 24, no. 1 (1985): 81. http://dx.doi.org/10.29173/alr732.

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There are obviously a great number of issues which could be addressed in a paper dealing with the freehold oil and gas lease. Our paper will be limited to a discussion of three of these issues: 'first, the practice of top leasing and selected problems relating thereto, secondly, the question of estoppel as a method of reviving an otherwise terminated lease and thirdly, shut-in royalty payments focusing on when such a payment is required to be made in order to extend the term of the lease and the conditions which must be present before such a payment may be validly tendered.

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Safitri, Aida Ayu, I. Ketut Hendra Wiryasuta, and Enes Ariyanto Sandi. "Variasi Sistem Pembayaran Terhadap Cash Flow (Studi Kasus : Pembangunan Laboratorium Terpadu AKN Blitar)." Jurnal Teknik Sipil Giratory UPGRIS 1, no. 1 (2024): 10–19. http://dx.doi.org/10.26877/giratory.v1i1.19454.

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Construction projects are a form of long-term investment that requires large capital. One important aspect in construction projects is the payment system. Therefore, it is necessary to vary the payment system on the cash flow of construction projects to determine the effect of the payment variation system on the safest cash flow for the contractor. In this research, the case study used for the calculation of payment system variations on cash flow is the AKN Putra Sang Fajar Blitar integrated laboratory construction project. The payment system used is the progress term payment system. The metho

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CHUDNOVETS, Aleksei Yu, and Sodnom B. BAINOV. "Conditional optimization of mortgage loan parameters." Economic Analysis: Theory and Practice 20, no. 3 (2021): 577–88. http://dx.doi.org/10.24891/ea.20.3.577.

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Subject. In the article, we calculate the period of a borrowing, in which the interest burden and monthly payments are minimal. Objectives. The aim is to create an algorithm to optimize the term of the mortgage loan, taking into account the amount of debt and interest rate of the loan. Methods. The study employs methods to analyze the formula of annuity payments of a mortgage loan, and to model the final optimization algorithm. Results. We developed an algorithm, to determine the optimal term of the loan, using the certain loan amount and interest rate. The study considers the case for banks,

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Choudhary, Priyanka Daya, Ranjeeta Madhwani, and Vidhi Patel. "IMPACT OF COVID-19 ON THE ADOPTION AND USAGE OF DIGITAL PAYMENTS IN INDIA." International Journal of Education, Modern Management, Applied Science & Social Science 06, no. 03(I) (2024): 52–57. http://dx.doi.org/10.62823/6.3(i).6769.

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There has been significant change in the financial landscape after Covid-19. This study explores the impact of the pandemic on the adoption and usage of digital payment systems in the country by examining the various key drivers which has long-term implications for digital financial inclusion. India was already experiencing a gradual shift towards digital payments before Covid-19 Pandemic. Bolstered by government initiatives such as Digital India and the 2016 demonetization, consumers’ rate of digital payments system has been significantly increased. The present study employed a descriptive de

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Rumefi, Ufi. "The Effect of Term of Payment on Customer Loyalty with Electronic Word of Mouth as Moderating Variable." Economics and Education Journal (Ecoducation) 3, no. 2 (2021): 125–34. http://dx.doi.org/10.33503/ecoducation.v3i2.1320.

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This research was conducted to find out and explain the influence of Term of Payment dependent variables on independent variable Customer Loyalty with Electronic Word of Mouth as moderating variable. Samples in this study were customers of UD SUMBER AGUNG which amounted to 37 respondents, the research method used is quantitatively described with a tool SPSS.16 aids, the results of the study showed nillai t sig. the effect of Term of Payment on Customer Loyalty before moderating test of 0.000 is less than 0.05 this means that Term of Payment affects Customer Loyalty before moderating test for p

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H.B, Rajith Kumar, and Suresha K.V. ""CHALLENGES OF E-BANKING IN INDIA"." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 174–77. https://doi.org/10.5281/zenodo.2572988.

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<em>Mobile banking is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile phone. Mobile banking is most often performed by SMS and hence is also known SMS banking. Commercial banks are exploring this avenue to make their services more convenient for their customers.</em><em> Internet banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a website operated by the institution, such as a retail bank, virtual bank, credit union or building society.</em><em> Mobil

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CARTER, ELEANOR, and ADAM WHITWORTH. "Creaming and Parking in Quasi-Marketised Welfare-to-Work Schemes: Designed Out Of or Designed In to the UK Work Programme?" Journal of Social Policy 44, no. 2 (2014): 277–96. http://dx.doi.org/10.1017/s0047279414000841.

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Abstract‘Creaming’ and ‘parking’ are endemic concerns within quasi-marketised welfare-to-work (WTW) systems internationally, and the UK's flagship Work Programme for the long-term unemployed is something of an international pioneer of WTW delivery, based on outsourcing, payment by results and provider flexibility. In the Work Programme design, providers’ incentives to ‘cream’ and ‘park’ differently positioned claimants are intended to be mitigated through the existence of nine payment groups (based on claimants' prior benefit type) into which different claimants are allocated and across which

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C. Gesta, Bryan Angelo, Lysha Wayne T. Cabulong, Jasmine Dela Cruz, et al. "Factors Influencing Sari-Sari Stores in Adopting Electronic Payments at Barangay Bucana, Davao City: A Descriptive Analysis." International Journal of Research and Innovation in Social Science IX, no. II (2025): 2928–42. https://doi.org/10.47772/ijriss.2025.9020227.

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The global shift toward electronic payments presents significant challenges for sari-sari store owners in Barangay Bucana, Davao City. This study examines the factors influencing sari-sari store owners in adopting electronic payments. Using a descriptive-quantitative approach, 30 sari-sari store owners were selected through simple random sampling. The findings reveal that factors such as operational efficiency, technological integration, and transaction speed influence the adoption of electronic payments. Based on these findings, the following recommendations are made: (1) conduct financial li

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Altammami, Osamah A. "UTILIZING DEEP LEARNING AND PERSUASIVE TECHNOLOGY TO INCREASE USER TRUST IN DIGITAL PAYMENTS." Advances and Applications in Discrete Mathematics 41, no. 7 (2024): 521–50. http://dx.doi.org/10.17654/0974165824035.

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The paper examines the foundations of user trust in digital payments, using quantitative analysis of data from 277 participants. The study focuses on the associations between perceived security, convenience, privacy protection, and user trust in digital payments. Our findings suggest that all three attributes, safety, security, and privacy, are powerful positive correlates of trust. Furthermore, past experience with digital payments (PEDP) modifies these relationships, suggesting that the impact of these attributes on trust can have significant implications for engaged user digital payments ar

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TRUBIN, I. "Payment systems based on electronic money as a component of the electronic payment system." INFORMATION AND LAW, no. 2(8) (July 25, 2013): 65–71. http://dx.doi.org/10.37750/2616-6798.2013.2(8).272306.

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Based on the classification of e-money we did analysis of the main types of payment systems in which e-money is used as a means of payment. In this article we present structure of electronic payment systems and the definition of “payment system based on electronic money” term.

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Zhang, Jiachen, Aza Azlina Binti Md Kassim, and Qingbang Mu. "The effect of stock mispricing timing on M&A performance and the role of payment method as a mediator: Evidence from Chinese firms." International Journal of Applied Economics, Finance and Accounting 19, no. 2 (2024): 250–70. http://dx.doi.org/10.33094/ijaefa.v19i2.1698.

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This study examines the impact of stock mispricing timing on merger and acquisition (M&A) performance considering the mediating role of payment method by selecting Chinese A-share-listed companies from 2007 to 2021. This study uses a quantitative method based on multivariate regression analysis. The primary data collection technique used is an archival research method. The finding of this study is that stock mispricing timing significantly affects M&A performance. Announcing acquisitions during periods of stock overvaluation significantly enhances short-term market performance but may

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Werner, Rachel M., and R. Tamara Konetzka. "Reimagining Financing and Payment of Long-Term Care." Journal of the American Medical Directors Association 23, no. 2 (2022): 220–24. http://dx.doi.org/10.1016/j.jamda.2021.11.030.

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