Relevant bibliographies by topics / Savings and credit system

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Savings and credit system'

Author: Grafiati
Published: 28 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Savings and credit system"

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

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Purpose: To investigate the effectiveness of information technology on the operations of SACCO’s within Nairobi.Methodology: The study utilized a descriptive survey research design.Findings: Results revealed that effectiveness of ATM system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of asset loan management system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of liability/saving management system influenced the operations of savings and credit cooperative socie
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Pane, Eddis Syahputra. "Save And Loan Credit Information System Based On Web." Journal of Applied Engineering and Technological Science (JAETS) 2, no. 1 (2020): 14–20. http://dx.doi.org/10.37385/jaets.v2i1.166.

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Pancuran Hidup Credit Union is a cooperative engaged in a savings and loan business that provides loans for its members. In its development often encountered an error due to lack of accuracy of employees in processing data processing transactions and savings and loans that still use the manual system that is using Microsoft office (Microsoft word and Microsoft Excel). This manual system is less effective because the savings and loan transactions that occur are higher so that the calculation is even more numerous, and therefore requires an information system. The purpose of this research is to
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Anugerah Bu’tu Rongrean, Dwibin Kannapadang, and Ade Lisa Matasik. "Analisis Sistem Dan Prosedur Pemberian Kredit Di Koperasi Simpan Pinjam Balo’ta Cabang Rinding Allo." Jurnal Ekonomi Bisnis dan Akuntansi 3, no. 3 (2023): 103–11. http://dx.doi.org/10.55606/jebaku.v3i3.2855.

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This research is a qualitative research. This research discusses the analysis of the process and procedures for granting credit at the Balo'ta Savings and Loans Cooperative, Rinding Allo Branch. The purpose of this research is to determine the system and procedures for providing credit at the Balo'ta Savings and Loans Cooperative. The data collection procedures used were observation, interviews and documentation. The data analysis techniques used are data collection, data reduction, data presentation and conclusions. The result of this research is that the credit granting system at the Balo'ta
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Martínez Sánchez, José Francisco, and Gilberto Pérez Lechuga. "Assessment of a credit scoring system for popular bank savings and credit." Contaduría y Administración 61, no. 2 (2016): 391–417. http://dx.doi.org/10.1016/j.cya.2015.11.004.

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Hayat, Abdul, Euis Sitinur Aisyah, and Serly Ovtavia Ningrum. "SISTEM INFORMASI SIMPAN PINJAM KOPERASI PEGAWAI PADA SMK YUPPENTEK 1 TANGERANG." Journal CERITA 1, no. 1 (2015): 86–93. http://dx.doi.org/10.33050/cerita.v1i1.203.

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Management of credit unions in SMK Yuppentek 1 Tangerang, still using the book and Microsoft Excel. This method is less effective for transactions occurring savings and loans so that the higher the count is also growing.besides activities of saving and borrowing data backup process is not automatically and inadequate storage placeso that the accumulation of papers.Given these problems, it needs to use cooperative savings andloan applications that can assist in the process of data processing and accounting of savings and loans. The research method used in this research literature, interviews, o
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BARAKA CIHIRE, Bellytran, and Judith NABINTU MITIMA. "Effect Of A La Carte Savings On The Socio-Economic Conditions Of Members Of The Nyantende Savings And Credit Cooperative." Cahiers du cedimes 18, no. 4 (2023): 47–65. https://doi.org/10.69611/cahiers18-4-03.

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This work aims to analyse the effect of the savings system on the socio-economic conditions of Nyantende Cooperative’s members. Through a survey we conducted with 94 members with small savings amount, this system of saving contributed to the improvement of the socio-economic conditions of Nyantende Cooperative’s members.
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Ouko, Jeridah Kerubo, and Gerald Atheru. "Internal Control System and Financial Performance of Deposit Taking Savings and Credit Co-Operative Societies in Makueni County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 4, no. 1 (2022): 1–21. http://dx.doi.org/10.35942/ijcfa.v4i1.224.

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Positive financial performance can be attained by eradicating misuse of funds through internal audits. Inadequate controls have also resulted in management and external auditors colluding, resulting in firms failing to meet their goals. Financial performance of DT-Sacco’s in Makueni County is plagued by severe deficiency in internal financial control due to continued lending of more than the deposits, which consequently destroy their liquidity. Majority of the Sacco’s are pushed to lend from the external sources so that they counter the shortfall that may arise. This study sought to investigat
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Bagus Kusuma Wijaya, I Gede Iwan Sudipa, Rachmat, I Komang Wiratama, and Ni Made Chintya Sasri. "SISTEM PENENTUAN KEPUTUSAN KELAYAKAN PENERIMA KREDIT MENGGUNAKAN METODE ROC - SAW." Jurnal ilmiah Sistem Informasi dan Ilmu Komputer 2, no. 2 (2022): 16–29. http://dx.doi.org/10.55606/juisik.v2i2.167.

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The Bali Mandiri Cooperative is a cooperative that operates in the savings and loan sector. Data processing of savings and loan activities submitted in credit applications is still done manually so that the credit department must make the right decisions, especially if there are doubts in determining decisions for prospective borrowers, where the doubts are because the criteria for prospective borrowers are almost the same, this is having an impact on the company if the wrong decision occurs in the event of bad credit. The decision support system using Rank Order Centroid (ROC) calculations an
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Sunarmi Sunarmi. "PKM IMPLEMENTASI SIMPAN PINJAM PADA BANK PERKRIDITAN RAKYAT BERBASIS CLIENT SERVER." JURNAL PENGABDIAN MASYARAKAT INDONESIA 1, no. 1 (2022): 22–33. http://dx.doi.org/10.55606/jpmi.v1i1.76.

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Bima Credit and Savings Cooperative Credit Union is a financial institution that provides transaction services to store and borrow money to its members. Bima Savings and Loan Cooperative needs to have an information system to facilitate data processing, carry out tasks appropriately, and minimize errors in recording transactions and financial calculations. To meet the above needs, it is necessary to design a savings and loan information system. The system development method used is SDLC (System Development Life Cycle) which stands for several stages, namely the planning stage, the analysis pha
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Abdul Kara, Katon. "ANALISA PERANCANGAN SIMPAN PINJAM PADA BANK PERKRIDITAN RAKYAT BERBASIS CLIENT SERVER." Jurnal Pengabdian Pada Masyarakat Indonesia 1, no. 1 (2022): 31–41. http://dx.doi.org/10.55542/jppmi.v1i1.178.

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Bima Credit and Savings Cooperative Credit Union is a financial institution that provides transaction services to store and borrow money to its members. Bima Savings and Loan Cooperative needs to have an information system to facilitate data processing, carry out tasks appropriately, and minimize errors in recording transactions and financial calculations. To meet the above needs, it is necessary to design a savings and loan information system. The system development method used is SDLC (System Development Life Cycle) which stands for several stages, namely the planning stage, the analysis pha
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Dissertations / Theses on the topic "Savings and credit system"

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Костогриз, В. Г. "Фінансування інноваційного розвитку країни за посередництвом інститутів ощадно-кредитної системи". Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/61407.

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Eriksson, Per. "Stadshypoteks plats och bana inom det svenska kreditväsendet 1909-1970 : en socialhistorisk studie." Doctoral thesis, Stockholms universitet, Ekonomisk-historiska institutionen, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:su:diva-1200.

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Klonner, Stefan. "Essays on rotating savings and credit associations." [S.l. : s.n.], 2001. http://deposit.ddb.de/cgi-bin/dokserv?idn=96379244X.

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Sharp, Deborah Marie. "College Students’ Attitudes towards Credit Card Debt & Savings." The Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1268156217.

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Костогриз, В. Г. "Ощадно-кредитна система в умовах інноваційного розвитку економіки". Thesis, Державний вищий навчальний заклад "Українська академія банківської справи Національного банку України", 2009. http://essuir.sumdu.edu.ua/handle/123456789/51450.

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У дисертаційній роботі розроблено теоретико-методичні і практичні засади організації ощадно-кредитної системи та визначено напрями її становлення в умовах інноваційного розвитку економіки. На основі дослідження сутності ощадно-кредитної системи обґрунтовано поняття „ощадно-кредитна система”, визначено об’єкти, суб’єкти, принципи системи. Встановлено інституційну структуру ощадно-кредитної системи. Запропоновано методичний підхід до оцінки стану ощадно-кредитної системи, зміст якого полягає у реалізації комплексу послідовних дій, а саме: аналізі зовнішнього та внутрішнього середовища, аналізі
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Vargas, Emmanuel Roque, Montesinos Ricardo Cadillo, and David Mauricio. "Prediction of financial product acquisition for Peruvian savings and credit associations." Institute of Electrical and Electronics Engineers Inc, 2020. http://hdl.handle.net/10757/656581.

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El texto completo de este trabajo no está disponible en el Repositorio Académico UPC por restricciones de la casa editorial donde ha sido publicado.<br>Savings and credit cooperatives in Peru are of great importance for their participation in the economy, reaching in 2019, deposits and deposits and assets of more than 2,890,191,000. However, they do not invest in predictive technologies to identify customers with a higher probability of purchasing a financial product, making marketing campaigns unproductive. In this work, a model based on machine learning is proposed to identify the clients wh
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Bari, Faisal. "Essays on modeling innovative and flexible credit arrangements : the case of Rotating Savings and Credit Associations (ROSCAs)." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape10/PQDD_0026/NQ50108.pdf.

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Klonner, Stefan [Verfasser], and Clive [Akademischer Betreuer] Bell. "Essays on rotating savings and credit associations / Stefan Klonner ; Betreuer: Clive Bell." Heidelberg : CrossAsia E-Publishing, 2006. http://d-nb.info/1218726601/34.

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Naidoo, Jeremy. "The impact of credit types on household savings levels in South Africa." Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/30482.

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Despite robust economic growth in post-apartheid South Africa, we have consistently seen high unemployment and severe income inequality amongst its people. Arguably this has resulted in a culture of dependence on consumer credit; consumers are spending future income by using credit. This could result in a decrease in household savings levels amongst ordinary South Africans. Many studies have referred to an increase in consumer credit to supplement people’s income support or to offset low wages. This has a major impact on consumers who then find themselves over-indebted due to economic shocks a
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Waweru, Gabriel. "An assessment of the financial sustainability of savings and credit cooperative societies in Kenya." Doctoral thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28115.

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Savings and Credit Cooperative Societies (SACCOs) are voluntary associations of people with the common goal of encouraging savings and granting credit to members as a means to their economic improvement. For a long period of time, SACCOs have been seen as a way of ensuring savings and investments, especially by the middle and lower economic classes. In Kenya, these institutions have managed to accumulate funds running into billions of shillings, and many members have benefited from them. However, in the last few years, many of these institutions have experienced serious financial challenges th
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Books on the topic "Savings and credit system"

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Uzamukunda, Juliette. Le system de crédit rural sans garanties et de mobilisation de l'épargne pour les exploitants en milieu rural dans certains pays d'Afrique. CEA, 1995.

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Uzamukunda, Juliette. Le system de crédit rural sans garanties et de mobilisation de l'épargne pour les exploitants en milieu rural dans certains pays d'Afrique. CEA, 1995.

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United Nations. Economic Commission for Africa. Socio-economic Research and Planning Division., ed. Mobilisation of private savings in Africa: A case study of the role of the banking system in selected African countries. Socio-Economic Research and Planning Division, UNECA, 1992.

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Rajasekhar, D. Savings and credit systems of the poor: Some Non-Governmental Organisation (NGO) experiences. Netherlands Organisation for International Development Co-operation, 1994.

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United States. Congress. Senate. Committee on Agriculture, Nutrition, and Forestry. Government-sponsored enterprises reforms: Hearing before the Committee on Agriculture, Nutrition, and Forestry, United States Senate, One Hundred Second Congress, first session ... May 21, 1991. U.S. G.P.O., 1992.

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Clarence, Maloney. Rural savings and credit in Bangladesh. University Press, 1988.

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(Organization), ActionAid Ghana, ed. Tamale Women's Savings & Credit Project: Empowering and shaping the destiny of women through savings and credit. ActionAid Ghana, 2002.

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B, Sharfuddin Ahmed A., and United States. AID Mission to Bangladesh., eds. Informal savings and credit groups in Bangladesh. USAID], 1988.

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Kannapiran, C. Paper on agricultural credit and rural savings. Dept. of Agriculture and Livestock, 1991.

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Raikes, Philip Lawrence. Savings and credit in Kisii, western Kenya. Centre for Development Research, 1988.

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Book chapters on the topic "Savings and credit system"

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Vincent, Fernand. "2. Savings and Credit Systems." In Manual of Practical Management for Third World Rural Development Associations - Volume 2. Practical Action Publishing, 1997. http://dx.doi.org/10.3362/9781780445427.002.

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Nakamaru, Mayuko. "Rotation Savings and Credit Associations (ROSCAs) as Early-Stage Credit Systems." In Theoretical Biology. Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-4979-1_4.

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Flögel, Franz. "SME credit decision making of savings versus big banks." In Distance, Rating Systems and Enterprise Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351256124-4.

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Ruiz Ortega, Wesley, and Danny Zambrano Vera. "Evaluation of Technical Efficiency in Segment One of the Savings and Credit Cooperatives in Ecuador for 2016–2021." In Emerging Research in Intelligent Systems. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-52258-1_6.

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Townsend, John P. "‘Savings Banks’." In US Credit and Payments, 1800-1935, Part I Vol 3. Routledge, 2024. http://dx.doi.org/10.4324/9781003548706-2.

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Galarza Torres, Sandra Patricia, Álvaro Patricio Carrillo Punina, Betty Elizabeth Cueva Ochoa, and Frank Patricio Landázuri Recalde. "Influence of the Discrepancy Between the Real and Ideal Leader and the Quality of the LMX Relationship: Case of the Ecuadorian Savings and Credit Banks." In Emerging Research in Intelligent Systems. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-96046-9_27.

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Emru Tadesse, Michael. "The Black Social Solidarity Economy in Germany: A Study of ROSCAs of the Ethiopian Diaspora." In Home- and Future- Making in the Ethiopian Diaspora. Centre français des études éthiopiennes, 2025. https://doi.org/10.4000/145ty.

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The Rotating Savings and Credit Association (ROSCA) is an enduring type of informal financial institution that can be found all over the world. Nevertheless, while the ROSCAs in Africa, Asia, and South America have been well studied, those in Europe, North America, and the Middle East have been neglected. This is especially true in the case of Ethiopian ROSCAs (equbs) in the context of Europe and Germany. The purpose of this study was to examine the ROSCAs of the Ethiopian diaspora in Germany in relation to the concept of the Black Social Solidarity Economy (BSSE). In doing so, it also sought
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Pepper, Gordon. "Savings Imbalances and the Business Cycle." In Money, Credit and Asset Prices. Palgrave Macmillan UK, 1994. http://dx.doi.org/10.1057/9780230375932_7.

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White, Lynn T. "Bankers arrange credit, savings, and depreciation." In Rural Roots of Reform Before China’s Conservative Change. Routledge, 2018. http://dx.doi.org/10.4324/9781351247696-10.

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Mavrenko, Tatjana. "Cooperative Savings and Credit Unions in Latvia." In Contributions to Economics. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28784-3_17.

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Conference papers on the topic "Savings and credit system"

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Ashwitha, Priyanka Ghosh, and K. Vinodhadevi. "Assessing the Impact of AI on Rural Saving and Investment Patterns: Case Study on Rotating Savings & Credit Associations in India." In 2025 International Conference on Knowledge Engineering and Communication Systems (ICKECS). IEEE, 2025. https://doi.org/10.1109/ickecs65700.2025.11035388.

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Sisa, Shaina Johanna, Mónica Espinoza-Guano, Germania Vayas-Ortega, and Ximena Morales-Urrutia. "Organizational Commitment in Savings and Credit Cooperatives." In 2024 IEEE Eighth Ecuador Technical Chapters Meeting (ETCM). IEEE, 2024. http://dx.doi.org/10.1109/etcm63562.2024.10746048.

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Zhang, Can. "A credit card fraud detection system based on Credit-Attention-GRU network." In 2024 8th International Conference on Electrical, Mechanical and Computer Engineering (ICEMCE). IEEE, 2024. https://doi.org/10.1109/icemce64157.2024.10862244.

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G, Ajith kumar, and Karunambikai. "Credit Card Fraud Detection System Python." In 2025 3rd International Conference on Inventive Computing and Informatics (ICICI). IEEE, 2025. https://doi.org/10.1109/icici65870.2025.11069962.

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Sharma, Pradeep, and J. Logeshwaran. "AI-driven Credit Scoring System for Real-Time Credit Card Approval in Banking." In 2024 2nd International Conference on Advances in Computation, Communication and Information Technology (ICAICCIT). IEEE, 2024. https://doi.org/10.1109/icaiccit64383.2024.10912352.

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L, Taranath N., and Geetha A. "Credit Risk Evaluation using Decision Support System." In 2024 Second International Conference on Advances in Information Technology (ICAIT). IEEE, 2024. http://dx.doi.org/10.1109/icait61638.2024.10690699.

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Rai, Anjali, and Mehfooza M. "Comparative Prediction Analysis for Credit Scoring System." In 2025 3rd International Conference on Intelligent Data Communication Technologies and Internet of Things (IDCIoT). IEEE, 2025. https://doi.org/10.1109/idciot64235.2025.10914846.

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Zulkhumor, Mirzayeva. "Students Independent Work in Credit Module System." In The Second Pamir Transboundary Conference for Sustainable Societies- | PAMIR. SCITEPRESS - Science and Technology Publications, 2023. https://doi.org/10.5220/0012954400003882.

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Huang, Xiaodong. "Research on Credit Risk Management System of Credit Scoring Mechanism Driven by Computer Big Data." In 2024 International Conference on Computers, Information Processing and Advanced Education (CIPAE). IEEE, 2024. https://doi.org/10.1109/cipae64326.2024.00139.

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Zhang, Jian, Xiaoyang He, Jian Li, Xuan Hui, Ye Han, and Benhua Qian. "A Distributed Adjustable Resource Credit Risk Evaluation Model Based on Behavior-Credit-Risk Transmission Mechanism." In 2024 IEEE 8th Conference on Energy Internet and Energy System Integration (EI2). IEEE, 2024. https://doi.org/10.1109/ei264398.2024.10990731.

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Reports on the topic "Savings and credit system"

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Guerrieri, Veronica, and Guido Lorenzoni. Credit Crises, Precautionary Savings, and the Liquidity Trap. National Bureau of Economic Research, 2011. http://dx.doi.org/10.3386/w17583.

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Marwaha, Seerat. The Chinese Social Credit System. Iowa State University, 2021. http://dx.doi.org/10.31274/cc-20240624-1406.

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Bando, Rosangela, and Claudia Uribe. Experimental Evidence on Credit Constraints. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0011721.

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Credit constraints are central to development economics theory. However, there is scant direct evidence that supports the existence of such constraints. Traditional tests observe how consumption changes after an unexpected income shock. Such changes can also result from myopic behavior or precautionary savings. This study uses a randomized control trial to explore the effects of enabling savings as a tool to smooth consumption, keeping income constant. The study focuses on community instructors in Mexico. Instructors have to deal with idiosyncratic shocks and shocks related to settling in to n
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Pfeil, Stefanie, Nyaoke Murimi, Marius Siebert, and Fabrizio Santoro. How Tanzania’s Levy on Mobile Money Affects Small Businesses. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.110.

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Mobile money has changed the financial system in many African countries, where it is seen as a convenient alternative to traditional financial services. It is a dominant force in emerging markets, and much of the progress gained in financial inclusion in sub-Saharan Africa is related to the growth of mobile money. Mobile money is used by both the formal and informal sectors. It offers an opportunity for governments to broaden the tax base, and to reach parts of the population that could not previously be reached. In July 2021, during the COVID-19 pandemic, the Tanzanian Government introduced a
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Wibawa, Tasha, ed. China's social credit system is a fragmented experiment. Monash University, 2021. http://dx.doi.org/10.54377/82b7-258a.

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Erulkar, Annabel, and Erica Chong. Evaluation of a savings and micro-credit program for vulnerable young women in Nairobi. Population Council, 2005. http://dx.doi.org/10.31899/pgy19.1010.

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Tap and Reposition Youth (TRY) was a four-year initiative undertaken by the Population Council and K-Rep Development Agency to reduce adolescents’ vulnerabilities to adverse social and reproductive health outcomes by improving livelihoods options. The project targeted out-of-school adolescent girls and young women aged 16–22 residing in low-income and slum areas of Nairobi. TRY used a modified group-based micro-finance model to extend integrated savings, credit, business support, and mentoring to out-of-school adolescents and young women. A longitudinal study of participants was conducted with
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Gandelman, Néstor, Rodrigo Lluberas, Daniel Misail, and Diana Gaitan. The Impact of a Financial Inclusion Program on Household’s Payment Choice, Savings, and Credit. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004789.

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Uruguay implemented an ambitious financial inclusion program that included a fiscal stimulus through VAT rebates and subsidies for point of sale (POS) adoption. One of its main provisions banned cash payment of wages and social benefits and forced financial institutions to open wage-accounts with extremely beneficial conditions. In the aggregate, the number of debit cards transactions increased sharply. We test the wage-banking channel of the financial program exploiting differences in the treatment intensity between public sector and private sector workers. We find that while the provision of
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Stiglitz, Joseph. Macro-economic Management in an Electronic Credit/Financial System. National Bureau of Economic Research, 2017. http://dx.doi.org/10.3386/w23032.

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Johnson, Paul. Universal credit will sort out the muddle of our benefit system. The IFS, 2016. http://dx.doi.org/10.1920/co.ifs.2024.0783.

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10

Boyarchenko, Nina, and Leonardo Elias. Financing Private Credit. Federal Reserve Bank of New York, 2024. http://dx.doi.org/10.59576/sr.1111.

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Abstract:
Using data on balance sheets of both financial and nonfinancial sectors of the economy, we use a “demand system” approach to study how lender composition and willingness to provide credit affect the relationship between credit expansions and real activity. A key advantage of jointly modeling the demand for and supply of credit is the ability to evaluate equilibrium elasticities of credit quantities with respect to variables of interest. We document that the sectoral composition of lenders financing a credit expansion is a key determinant for subsequent real activity and crisis probability. We
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