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1
Dahlgren, Amanda, and Isabella Holmberg. "To formulate and implement a sustainability strategy in a savings bank : A case study of four savings banks." Thesis, Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:ltu:diva-81339.
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Purpose – The purpose of this study was twofold. First, we wanted to increase knowledge about what is important to address within an organization, when formulating and implementing a corporate sustainability strategy. Second, we wanted to explore how the level of achievement of corporate sustainability influences the ability of an organization to integrate sustainability within its own organization. Method – We used an abductive approach within this study. In total, we conducted 20 interviews which we analysed through a thematic analysis. We also conducted two surveys. Findings - We have found six crucial aspects that will affect the formulation and implementation of a corporate sustainability strategy; conceptual confusion, motivation, action, cooperation, guidelines, and communication. We have also found that all dimensions of sustainability need to be understood and incorporated into the organization, in order for a corporate sustainability strategy to have impact. Theoretical and practical contributions - We have contributed to previous literature by connecting the five stages of achieving corporate sustainability with obstacles and solutions within the phases of strategy formulation and implementation. Further, we have provided a framework that can be useful to organizations when trying to achieve corporate sustainability. Limitation of the study - We have only analysed four out of almost 60 savings banks in Sweden, and the ones part of this study is also part of a sustainability project. It is therefore of essence that another more expansive study is performed that integrates more savings banks.
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Saggi, Karan. "Who is the Customer? Identifying the Initial Adopters of Formal Savings. Field Evidence from Malawi." Scholarship @ Claremont, 2014. http://scholarship.claremont.edu/cmc_theses/957.
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This thesis examines household characteristics as determinants of formal savings accounts in rural Malawi. The main questions answered in this paper include the effects of household characteristics on the probability of having formal savings, the amounts saved in these accounts, and the probability of adopting formal savings. The central discussion aims to identify the initial adopters of formal savings accounts, using a marketing approach previously unapplied to this area of research. This paper also contributes to the dialogue of the household composition by considering three untried variables: number of adults, number of children, and literacy of all household members. Results show that households are most likely to adopt formal savings, when provided access, if they have a head who can read Chichewa, a functional cellphone, more adults who can read Chichewa, and are close to the bank service. The field evidence comes from research conducted over a two year period 2008-2010 in sampled regions of Central Malawi.
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Eriksson, Jonas, and Elin Jönsson. "Effects of increased regulation on small banks' management control practices : A case study of a Swedish savings bank." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-391985.
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This paper sets out to investigate the effects on small banks’ management control practices from increasing regulation following the 2008 financial crisis. The changes to banks’ management control practices may in turn have implications for banks’ competitive advantages and strategies. A qualitative case study of a Swedish savings bank was carried out, gathering data through six semi-structured interviews of representatives at different levels. Our findings indicate that the increased regulatory pressure has increased both the scope and scale of administrative as well as cybernetic controls. A relative change of focus, from business- to compliance-oriented was also detected in connection with the planning and cybernetic controls. The increase in mainly administrative controls and the resulting regulatory burden suggest that it may be difficult for small and decentralized banks to pursue their chosen strategy unless they are able to find alternative ways of dealing with this burden.Uppsatsen redogör för vår undersökning av effekterna av ökande reglering på små, lokala bankers styrning i kölvattnet av 2008 års finanskris. Förändringarna av styrningen kan i sin tur ha betydelse för bankers komparativa fördelar, och deras strategier. En kvalitativ fallstudie av en svensk sparbank genomfördes och innefattade sex semi-strukturerade intervjuer av medarbetare på olika nivåer. Resultaten pekar på att det ökade regleringstrycket har ökat omfattningen av styrning kopplad till governance, organisationsstrukturer, policies och processbeskrivningar men även uppföljning. En förskjutning av fokus, från affärsorienterat mot compliance-orienterat, sågs också i anslutning till styrning som hade att göra med planering och uppföljning. Den betydande ökningen av styrning övervägande kopplad till governance, organisationsstrukturer, policies och processbeskrivningar antyder att det kan bli svårt för små lokala banker att behålla sin strategi om de inte lyckas finna alternativa sätt att hantera den ökade bördan som den förändrade styrningen innebär.
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Lu, Chuyuan. "How Cutting the Cost of Using a Bank Affects Household’s Behavior of Remittance Transfers: Evidence From a Field Experiment in Rural Malawi." Scholarship @ Claremont, 2016. http://scholarship.claremont.edu/cmc_theses/1372.
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Using a randomized experiment in rural Malawi, this paper finds that providing information on mobile bank buses’ services leads to a higher probability of adopting savings accounts in the treatment group. Households in the treated villages are 3.06 percentage points more likely to adopt savings accounts than households in the control group. Second, the information treatment leads to an increase of in the probability of households receiving remittances in the treated villages, as well as an increase in the amount of remittances received. In particular, the effect is strongest for households that lived at least three kilometers away from the trade centers, which suggests that the main cost of transferring remittance is the cost of traveling to a bank. Third, the 2SLS regression provides suggestive evidence that adopting savings accounts leads to an increase in households’ remittance activities. The 63.3 percentage points increase in the possibility of households receiving remittances after adopting savings accounts suggests that there previously exist high costs associated with the informal channels of transferring remittances.
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Kordogly, Rima. "The classification patterns of bank financial ratios." Thesis, Loughborough University, 2010. https://dspace.lboro.ac.uk/2134/6815.
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Financial ratios are key units of analysis in most quantitative financial research including bankruptcy prediction, performance and efficiency analysis, mergers and acquisitions, and credit ratings, amongst others. Since hundreds of ratios can be computed using available financial data and given the substantial overlap in information provided by many of these ratios, choosing amongst ratios has been a significant issue facing practitioners and researchers. An important contribution of the present thesis is to show that ratios can be arranged into groups where each group describes a separate financial aspect or dimension of a given firm or industry. Then by choosing representative ratios from each group, a small, yet comprehensive, set of ratios can be identified and used for further analysis. Whilst a substantial part of the financial ratio literature has focused on classifying financial ratios empirically and on assessing the stability of the ratio groups over different periods and industries, relatively little attention has been paid to the classifying of financial ratios of the banking sector. This study aims to explore the classification patterns of 56 financial ratios for banks of different type, size and age. Using data from the Uniform Bank Performance Report (UBPR), large samples of commercial, savings, and De Novo (newlychartered) commercial banks were obtained for the period between 2001 and 2005, inclusive. Principal Component Analysis (PCA) was performed on a yearly basis to classify the banks' ratios after applying the inverse sinh transformation to enhance the distributional properties of the data. The number of patterns were decided using Parallel Analysis. The study also uses various methods including visual comparison, correlation, congruency, and transformation analysis to assess the time series stability and cross-sectional similarity of the identified ratio patterns. The study identifies 13 or 14 ratio patterns for commercial banks and 10 or 11 ratio patterns for savings banks over the period on which the study is based. These patterns are generally stable over time; yet, some dissimilarity was found between the ratio patterns for the two types of banks – that is, the commercial and savings banks. A certain degree of dissimilarity was also found between the financial patterns for commercial banks belonging to different asset-size classes. Furthermore, four ratio patterns were consistently identified for the De Novo commercial banks in the first year of their operations. However, no evidence of convergence was found between the ratio patterns of the De Novo commercial banks and the ratio patterns of the incumbent (that is, long established) commercial banks. The findings of this study bring useful insights particularly to researchers who employ bank financial ratios in empirical analysis. Methodologically, this research pioneers the application of the inverse sinh transformation and parallel analysis in the area of the ratio classification literature. Also, it contributes to the use of transformation analysis as a factor comparison technique by deriving a significance test for the outputs of this analysis. Moreover, this is the only large scale study to be conducted on the classification patterns of bank financial ratios.
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Tewoldeberhan, Ruth W. "The impact of saving in reducing risks: A case study of Mathabatha Village Bank, Limpopo province, South Africa." University of the Western Cape, 2003. http://hdl.handle.net/11394/6481.
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Magister Commercii - MComThe minithesis argues that microfinance institutions help their clients by offering saving services, through which the clients will be able to get 'chunks of money' on a regular basis . These 'chunks of money' enable them to protect against emergency risks for it acts as a crisis-coping mechanism by building up the asset base in its physical, financial, human, and social sense. The accumulation of an asset base is not only critical in fighting risks ahead of time, but also enables poor clients to protect against losses afterwards . Thus the saving services provided by these institutions are essential in improving their clients' capacity to build up and manage their assets.
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Čápová, Jana. "Komparace postavení jednotlivých institucionálních typů v současném českém bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-5319.
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The major goal of this work is to compare positions of different institutional types active in the banking sector in the Czech Republic. The emphasis is being given to the description of gradual mutual convergence and interactions of particular institutional types in the context of changes undergoing in a transition economy since 1990. The second part of this work analyses the framework for the operation of different institutional types and compares their positions against clients, owners and supervisor. The last part of the work is a comparative analysis of economic indicators for each institutional type in the context of changes in the market and legal environment since 2004.
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Silva, Mafalda Mendes da. "Estudo da atividade do Banco Alimentar de Lisboa a nível operacional." Master's thesis, Instituto Superior de Economia e Gestão, 2015. http://hdl.handle.net/10400.5/10803.
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Mestrado em Decisão Económica e EmpresarialO principal objetivo do estágio realizado no Banco Alimentar de Lisboa (BA Lisboa) foi o de atualizar, organizar e interpretar os dados que tinham vindo a ser recolhidos quase desde o início da sua atividade. Com o decorrer do estágio detetou-se também a necessidade de criar um programa que automatizasse o roteamento de veículos durante a Campanha Saco. Este relatório de estágio está, assim, dividido em duas partes: a primeira, onde é apresentada a história, funcionamento e os dados estatísticos sobre o BA; e a segunda parte, onde é tratada a elaboração de rotas. Para o estudo estatístico utilizaram-se os dados disponíveis na base informática do BA Lisboa e nos relatórios de atividade existentes desde 1992 até 2014. O problema de roteamento dos veículos foi identificado como sendo um Heterogeneous Fleet Vehicle Routing Problem with Time Windows com restrições adicionais. Foi modelizado um problema em programação linear inteira mista (modelo restrito) que contempla as condições que se consideraram mais importantes para obter um conjunto de rotas para os veículos de recolha de produtos nas lojas aderentes à Campanha Saco no BA Lisboa. Para resolver este problema restrito, construiu-se um programa utilizando a linguagem de programação Visual Basic for Applications (VBA) do Excel, com base no algoritmo de savings de Clarke e Wright.
This report presents the history, the way of operation and the data about Banco Alimentar de Lisboa (BA Lisboa) as well as the development of a new program, running on Excel, to improve the vehicle routing during a collecting campaign, Campanha Saco. The work was performed under an internship at the institution. The available computer database and the activity reports of BA Lisboa from 1992 to 2014 were used for the statistical study. The vehicle routing problem was identified with a Heterogeneous Fleet Vehicle Routing Problem with Time Windows and additional constraints. The problem restricted to the most important constraints was characterized by a mixed integer linear programming model, which could be applied to determine a set of routes for the vehicles that collect products at the participating shops of the campaign. To solve this restricted problem, a non-exact algorithm was developed based on the savings algorithm of Clarke and Wright.
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Gavlasová, Zuzana. "Postavení České spořitelny na bankovním trhu ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10383.
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The main goal of this thesis is to analyse the position of the Ceska sporitelna bank (Czech savings bank) on the czech banking market by applicaion of multiple criteria decision making methods. Analysis is concetrate in two parts - the bank in its complexity and also in the product portfolio mainly in the area of current account as a most strategic banking product. The comparsion of banking products or banks at all is not a goal of this thesis. The thesis is concerned on a basic analysis based on certain presumpions and restrictions.
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Boni, Margaret Mary. "A study of Washington Mutual a formidible competitor in the Southern California market." CSUSB ScholarWorks, 2003. https://scholarworks.lib.csusb.edu/etd-project/2179.
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This project examines the Southern California and Inland Empire banking environment during the period from 1992 to 1997. It includes an analysis of Washington Mutual's market strategy, and financial strategy for entering this fiercely competitive environment. Washington Mutual's competitive advantages and weaknesses will be analyzed to understand its approach to capturing strong market presence.
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Bláha, Tomáš. "Osobní a rodinné finance." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113248.
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This thesis focuses on financial planning and it's phases. It contains overview and characteristics of general financial products, which are suitable for families such as bank accounts, insurance, investment instruments and loans. Last section of this thesis contains an example, which shows application of some financial products.
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Carvalho, Ednéa de Oliveira Hermógenes. "Gestão financeira: análise da prestação de contas das caixas escolares da superintendência regional de ensino de Ituiutaba - MG." Universidade Federal de Juiz de Fora, 2013. https://repositorio.ufjf.br/jspui/handle/ufjf/1118.
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A partir da análise nas prestações de contas das caixas escolares da Superintendência Regional de Ituiutaba, procurou-se identificar as principais incoerências recorrentes na execução financeira realizada pelos diretores escolares. O Ministério Público, em 2007, recomendou a subordinação das caixas escolares ao regime de contratações públicas, disposto na Lei Federal n° 8.666/93. Em atendimento a essa recomendação, a Secretaria de Estado de Educação de Minas Gerais efetivou ações que se concretizaram, em 2009, com a publicação do Decreto Estadual nº 45.085/2009 e Resolução SEE n° 1.346/2009. Regulamentou-se, portanto, a transferência, utilização e prestação de contas de recursos financeiros repassados às caixas escolares, com a criação de um procedimento de contratações públicas análogo ao estabelecido pela lei n° 8.666/93. Embora os gestores escolares tenham sido capacitados com relação à legislação em questão, algumas incoerências são identificadas. Desse modo, neste trabalho, objetivou-se, por meio de uma pesquisa com base qualitativa e quantitativa, verificar as principais incoerências e dificuldades encontradas tanto pelos diretores quanto pela Secretaria de Educação. O Plano de Ação Educacional do presente trabalho apresenta algumas proposições, como a busca de recursos humanos e técnicos, para que a execução financeira transcorra o mais próximo do ideal possível, possibilitando, dessa forma, a otimização do gasto desses recursos.
According to analysis at the account of school saving banks program of the Regional oversight in Ituiutaba city, tried to identify the main incoherence performed in the financial execution for school directors. In 2007, the public minister recommended that the school saving bank stay subject of the public hiring according to the federal law n 8.666/93. To service this recommendation the administrative office of the Minas Gerais state effected the action that realize in 2009, with the publication that state decree n 45.085/2009 and Resolution nº 1.346/2009, regulating the transfer, use and accounts of the financial resources passed to school saving bank program, with the creation of a procedure for public contraction similar the law 8.666/93. Although the school managers have abilities about legislation some incoherence are identified. That way, this work have a main target, through qualitative and quantitative research, check the principal incoherences and difficulties found by school directors and administrative office of Minas Gerais state.The plan of education action of this paper present propositions as the pursuit of human and technical resources for the financial execution pass as close to ideal as possible, allowing this way the optimization of spending these resources.
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Bednářová, Veronika. "Rozdíly financování nemovitosti mezi hypoteční bankou a stavební spořitelnou." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224924.
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This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.
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Válek, Tadeáš. "Strategická analýza vybrané společnosti (banky)." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-201765.
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The diploma thesis deals with strategic analysis of the selected bank. Its goal is to evaluate the company´s competitive position with regard to the specifics of the banking industry. The theoretical part includes the historical development of strategic management, defines the key analytical methods used in strategic analysis and describes the characteristics of the industry. Application of the analyses, their summarization and interpretation is included in the practical part. The thesis, inter alia, explains the principle of building savings and provides a broad overview of the topic. The results of the thesis could be used for decision making of external and internal users.
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Tapper, Josefine, and Cajsa Baars. "Put your head in the sand or lose a grand? : A natural experiment of the ostrich effect and the disposition effect." Thesis, Linköpings universitet, Nationalekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-150095.
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This thesis presents an attempt to find evidence of the ostrich effect and the disposition effect, as well as individual differences in self-assessed financial knowledge and its effect on these biases. The ostrich effect refers to the tendency to deliberately avoid information that might be negative, by "sticking your head in the sand". The disposition effect refers to people who hold on to losing assets too long while selling winning ones too early. The two effects were examined through a natural experiment which emerged from the stock market crash that occurred February 5th, 2018. The data was collected during an internship at Länsförsäkringar AB and originates from the usage of Länsförsäkringar's application Sparnavigatorn, where customers can manage their savings. The customers login activity and number of placed sales orders were observed. The data material is unique, and the study enabled a unique presentation of real life behaviour within a financial context and an analysis of whether individual differences affect behaviour. To our knowledge, neither the ostrich effect nor the disposition effect have earlier been examined through a large scale natural experiment. The results show no significant indication of the ostrich effect, but rather a relatively constant login activity not affected by the stock market crash. Furthermore, they show a contradictory reaction to what the disposition effect suggests, meaning the respondents place more sales orders during the stock market fall than at the time before and after. The results imply that further research needs to be done to either reject or confirm the existence of the ostrich effect and the disposition effect.
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Zahálková, Anna. "Analýza využití stavebního spoření v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206187.
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This thesis deals with the possibilities of financing housing, in particular savings instrument. The main goal is to determine, what are the differences between building savings banks, especially in the product. Another goal is to monitor and evaluate the options selected housing financing in the Czech Republic. The work focuses on market analysis, building societies and comparison of their products. The first part deals with the explanation of the concepts of housing and savings, including the establishment process of building savings and loan drawdown of savings. Attention is also paid to support housing programs from various government entities. Another part describes building savings banks operating on the Czech market. The last part describes and compares the conditions of products, what conclusions arise that are described in the summary at the end of work. Finally, the work summarizes the most important facts from all the chapters.
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Löffelmannová, Romana. "Návrh financování revitalizace bytového domu SBD Macocha." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2010. http://www.nusl.cz/ntk/nusl-222794.
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Benešová, Lucie. "Možnosti financování bydlení v České republice." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224925.
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This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.
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Intrabartollo, Márcia Regina [UNESP]. "Responsabilidade social na moradia popular: estudo do Programa de Arrendamento Residencial em Ribeirão Preto, SP." Universidade Estadual Paulista (UNESP), 2007. http://hdl.handle.net/11449/98622.
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A Caixa Econômica Federal (CEF) se constitui em empresa pública de direito privado que executa as políticas públicas brasileiras relativas à moradia popular no âmbito federal, além de atuar como gestora de fundos, administradora das loterias federais e principal agente do Governo Federal em programas de transferência de renda e inclusão bancária. Empresa centenária, com atuação em todo o território nacional, desde 2.003 demonstra interesse em ser reconhecida como socialmente responsável. A relação da CEF com a responsabilidade social é complexa, pois, por se tratar de uma empresa pública tem obrigações sociais, por ser empresa brasileira tem função social, e por ser caixa econômica tem compromisso social inerente à sua constituição jurídica. O presente trabalho se propôs a delimitar como a responsabilidade social se encontra inserida neste contexto e, especificamente, como esta se dá na moradia popular. O estudo da responsabilidade social na moradia popular se constitui em possibilidade para melhorar as condições de habitabilidade da população pobre brasileira na medida em que o setor ainda traz arraigados traços do foco quantitativo para a solução do problema de déficit habitacional que, atualmente, chega a 7,2 milhões de moradias no país. Para avaliar a responsabilidade social da CEF foi selecionado o indicador constante nos Indicadores Ethos de Responsabilidade Social, inspirado na norma AccountAbility 1000, que trata do diálogo entre as partes afetadas pela ação da instituição que, no presente trabalho, se refere à ação da CEF na execução de políticas habitacionais. Um dos motivos para a seleção deste indicador foi o fato de que autores contemporâneos vislumbram no campo empresarial organizações que buscam o consenso através da institucionalização do diálogo e conversação, ultrapassando a forma disjuntiva de pensar para adotar o foco nas relações. Segundo os autores, esta nova...
Federal Savings Bank (CEF - Caixa Econômica Federal) is a private law public company that executes the Brazilian public policies related to popular housing, within federal ambit, besides managing funds, administrating federal lotteries and also acting as the most important agent of the Federal Government in programs of income transfer and bank inclusion. Centenary company, acting throughout the national territory, has been demonstrating interest, since 2003, in being recognized as socially responsible. CEF’s relationship with social responsibility is complex, because, as a public company it has social obligations, as a Brazilian company it has social roles and as a savings bank it has social commitment, which are inherent to its juridical constitution. The present work intended to delimit how the social responsibility is inserted in this context and, specifically, how the social responsibility occurs in popular housing policies. The study of the popular housing’s social responsibility constitutes a possibility to improve the housing conditions of the Brazilian poor population, once the sector still presents deep-rooted characteristics of the quantitative view as the solution for the problem of housing deficit that, nowadays, reaches 7.2 million houses in the country. In order to evaluate CEF’s social responsibility, it was selected the constant indicator in the Ethos Indicators of Social Responsibility, inspired in the AccontAbility 1000 standards, that deal with the dialogue between the parties affected by the institution’s action which, in the present work, refers to the action of CEF in the execution of housing policies. One of the reasons for the selection of this indicator was the fact that the contemporary authors discern, in the entrepreneurial field, organizations that look for consensus through the institutionalization of dialogue and conversation, transcending the disjunctive way of thinking, in order to ...
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Intrabartollo, Márcia Regina. "Responsabilidade social na moradia popular : estudo do Programa de Arrendamento Residencial em Ribeirão Preto, SP /." Franca : [s.n.], 2007. http://hdl.handle.net/11449/98622.
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Orientador: Cláudia Maria Daher CosacBanca: Jefferson Luis Coutinho
Banca: Mário José Filho
Resumo: A Caixa Econômica Federal (CEF) se constitui em empresa pública de direito privado que executa as políticas públicas brasileiras relativas à moradia popular no âmbito federal, além de atuar como gestora de fundos, administradora das loterias federais e principal agente do Governo Federal em programas de transferência de renda e inclusão bancária. Empresa centenária, com atuação em todo o território nacional, desde 2.003 demonstra interesse em ser reconhecida como socialmente responsável. A relação da CEF com a responsabilidade social é complexa, pois, por se tratar de uma empresa pública tem obrigações sociais, por ser empresa brasileira tem função social, e por ser caixa econômica tem compromisso social inerente à sua constituição jurídica. O presente trabalho se propôs a delimitar como a responsabilidade social se encontra inserida neste contexto e, especificamente, como esta se dá na moradia popular. O estudo da responsabilidade social na moradia popular se constitui em possibilidade para melhorar as condições de habitabilidade da população pobre brasileira na medida em que o setor ainda traz arraigados traços do foco quantitativo para a solução do problema de déficit habitacional que, atualmente, chega a 7,2 milhões de moradias no país. Para avaliar a responsabilidade social da CEF foi selecionado o indicador constante nos Indicadores Ethos de Responsabilidade Social, inspirado na norma AccountAbility 1000, que trata do diálogo entre as partes afetadas pela ação da instituição que, no presente trabalho, se refere à ação da CEF na execução de políticas habitacionais. Um dos motivos para a seleção deste indicador foi o fato de que autores contemporâneos vislumbram no campo empresarial organizações que buscam o consenso através da institucionalização do diálogo e conversação, ultrapassando a forma disjuntiva de pensar para adotar o foco nas relações. Segundo os autores, esta nova ...
Abstract: Federal Savings Bank (CEF - Caixa Econômica Federal) is a private law public company that executes the Brazilian public policies related to popular housing, within federal ambit, besides managing funds, administrating federal lotteries and also acting as the most important agent of the Federal Government in programs of income transfer and bank inclusion. Centenary company, acting throughout the national territory, has been demonstrating interest, since 2003, in being recognized as socially responsible. CEF's relationship with social responsibility is complex, because, as a public company it has social obligations, as a Brazilian company it has social roles and as a savings bank it has social commitment, which are inherent to its juridical constitution. The present work intended to delimit how the social responsibility is inserted in this context and, specifically, how the social responsibility occurs in popular housing policies. The study of the popular housing's social responsibility constitutes a possibility to improve the housing conditions of the Brazilian poor population, once the sector still presents deep-rooted characteristics of the quantitative view as the solution for the problem of housing deficit that, nowadays, reaches 7.2 million houses in the country. In order to evaluate CEF's social responsibility, it was selected the constant indicator in the Ethos Indicators of Social Responsibility, inspired in the AccontAbility 1000 standards, that deal with the dialogue between the parties affected by the institution's action which, in the present work, refers to the action of CEF in the execution of housing policies. One of the reasons for the selection of this indicator was the fact that the contemporary authors discern, in the entrepreneurial field, organizations that look for consensus through the institutionalization of dialogue and conversation, transcending the disjunctive way of thinking, in order to ...
Mestre
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Topinka, Zdeněk. "Modelace možných finančních zdrojů na pořízení nemovitosti." Master's thesis, Vysoké učení technické v Brně. Ústav soudního inženýrství, 2013. http://www.nusl.cz/ntk/nusl-232841.
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The aim of the works was analyze possible to sources financial resources for financing immovables in Czech republic. Sources were to be surveyed for needs personal living and needs business. In diploma work work are circumscribed individual possibilities, their criteria and their usage. Thesis is tipped modelling situation and her solving.
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Holásková, Petra. "Návrh financování bydlení s ohledem na rodinný rozpočet." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2011. http://www.nusl.cz/ntk/nusl-223327.
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This thesis deals with the critical analysis of cash expenditures having an effect on the family budget in case of finance housing. The theoretical part is aimed at defining the basic terms that are needed to the further understanding of the problem. The next parts contain a critical analysis of the expenditures associated with the financing of housing, including the proposals for measures to eliminate risks arising from the unforeseen expenditures associated with housing.
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El, Bernoussi Khalid. "Stabilité financière des banques et régulation." Thesis, Paris 2, 2011. http://www.theses.fr/2011PA020057.
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Les banques sont des institutions à part, car elles sont au coeur du fonctionnement des économies et de la dynamique de croissance des pays. Leurs services représentent de ce fait un bien public, et il est donc primordial de les maintenir éloignées autant que possible du risque de faillite. Toutefois, des crises bancaires surviennent régulièrement et affectent les sociétés, souvent de manière durable et profonde, à l’image de la crise financière des subprimes qui a éclaté en 2007, et dont nous ne connaissons pas encore toutes les conséquences désastreuses. Pour prévenir le risque de faillite et de crises bancaires, les autorités de régulation nationales ont développé des filets de sécurité qui, en partie, suivent les standards internationaux de réglementation et de supervision bancaire développés par le Comité de Bâle sur le contrôle bancaire, sous l’égide de la Banque des Règlements Internationaux. Cependant, les crises récurrentes se produisent et nous montrent les limites de la régulation bancaire et, surtout, nous indiquent que celle-ci doit être en permanence revue et adaptée, de façon dynamique, à l’évolution des systèmes bancaires et de l’innovation financière. L’un des principaux objectifs est de s’assurer que les banques soient suffisamment et solidement capitalisées pour faire face à des pertes exceptionnelles inattendues. Par ailleurs, il est primordial, afin d’assurer une stabilité financière durable, que les superviseurs bancaires soient à même de contrôler efficacement les banques et d’entreprendre les actions nécessaires pour que ces dernières demeurent à des niveaux de risques engagés raisonnables et qui ne menacent ni leur solvabilité, ni celle de l’ensemble du système bancaire. Enfin, les banques sont censées être régulées par le marché (discipline de marché), sur la base des informations qu’elles sont tenues de divulguer publiquement, sur leur santé financière. Dans ces politiques de régulation bancaire et de prévention du risque de crise, il ne faut pas oublier le rôle de l’assureur dépôt, à qui certains économistes et instances internationales veulent prêter de plus en plus de pouvoir sur les banques. Nous montrons dans notre travail de thèse, à travers des analyses empiriques menées sur des données contemporaines, les insuffisances des politiques de régulation et de supervision bancaire, les erreurs commises dans l’approche de la régulation bancaire, et nous présentons les aspects qu’il serait souhaitable de prendre en compte, pour approcher une politique de réglementation et de supervision bancaire plus efficace, et dynamique, dans l’objectif de maintien de la stabilité bancaire. Nous avançons notamment qu’il est nécessaire de mieux prendre en compte la nature de l’activité des différents types d’institutions financières qui composent les systèmes bancaires, et dont la nature et le degré d’exposition aux risques ne sont pas les mêmes. Il est également important de considérer les caractéristiques de l’environnement institutionnel dans lequel évoluent les banques, de manière à développer une structure de supervision adaptée et efficace. En définitive, nous étudions dans cette thèse un large ensemble de déterminants économiques et institutionnels, susceptibles d’impacter la stabilité bancaire, de manière à identifier celles des politiques de régulation qu’il s’agirait de mettre en oeuvre, afin d’assurer dans l’avenir un meilleur maintien de la stabilité financière des banquesBanks are special institutions because they are central to the functioning of economies and to economic growth. Their services represent a public good. Therefore, it is essential to keep them as far as possible from risk of bankruptcy. However, banking crises occur regularly and affect societies, often dramatically and over a long period, like the current subprime financial crisis which burst into 2007, and which consequences are still not very well perceived. To prevent the risk of bankruptcy and banking crisis, the national authorities of regulation have developed safety nets. These follow partially the international standards of regulation and banking supervision developed by the Basel Committee on Banking Supervision under the aegis of the Bank for International Settlements. However, recurrent crises occur and show us the limits of the banking regulation and, especially, indicate that the latter should be continually revised and adapted to the evolution of banking systems and financial innovations. One of the main goals is to make sure that banks are enough capitalized to face unexpected large losses. In order to achieve long-lasting financial stability, it is essential that banking supervisors can monitor efficiently banks. By doing so, the risk taken by banks would be sustainable and would not threaten either their own solvency or the whole banking system solvency. Finally, banks are supposed to be regulated by the market (market discipline) on the basis of information about their financial health which should be disclosed publicly. Along the policies of banking regulation and crisis risk prevention, one should not forget the role of the deposit insurers. Indeed, some economists and international authorities want to attribute more power over banks to deposit insurers. In our research, the empirical analysis, based on contemporary data, show the weakness of the actual regulation and banking supervision policies and the mistakes in banking regulation. Different features of the banking system that should be taken into account for an efficient implementation of regulation and banking supervision policies are also discussed in this work. Hence, we suggest that the type of financial institutions' activities should be better taken into account as it changes with the degree of risk exposure. We also find that it is important to consider the characteristics of the institutional environment in which banks evolve in order to develop a suitable and efficient supervision agency. To summarize, we study in this thesis a large range of economic and institutional determinants of the banking system, which are likely to affect the banking stability. By doing so, we are able to identify the regulation policies which would be the most likely to preserve the financial stability of banks
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Kavalírek, Jan. "Role bankovních úvěrů nefinančním podnikům v hospodářském cyklu." Master's thesis, Vysoká škola ekonomická v Praze, 2017. http://www.nusl.cz/ntk/nusl-360161.
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The theoretical part of the thesis introduces Austrian theory of business cycles and analyses equilibrium of savings and investments together with the transmission mechanism between savings, deposits, loans and investments. The practical part of the thesis explores business cycle and credit cycle. It analyses an excessive loan expansion of commercial banks together with a excessively expansive policy of central bank. The thesis deals with a procyclical action of commercial banks and contemporary tools of central bank with their limited effectiveness. Furthermore, the thesis analyses the possible adjustments of monetary policy with the emphasis on the macroprudential policy and its individual credit indicators. The end of the thesis deals with the method of credit rationing and with the imbalance between demand and supply at the credit market of non-financial corporations, which is modelled using the technique of disequilibrium model.
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Pískatá, Petra. "Možnosti použití hodnotové analýzy při výběru poskytovatele hypotečního úvěru." Master's thesis, Vysoké učení technické v Brně. Fakulta stavební, 2014. http://www.nusl.cz/ntk/nusl-227028.
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The aim of this master’s thesis is to find the best type of mortgage loan for several kinds of borrowers. The first part describes personal housing financing, use of loans, use of mortgages in general. At the end of this theoretical part the value analysis is explained as a tool for mortgage lender (or the type of mortgage loan) selection and the way of reaching this goal is defined. Second part is a practical example of how to make decision and find the best choice. It selects the most important criteria and real cash flow is simulated to asset the price of each possibility. Using the discrimination method and efficiency rate the possibilities are ranked. Results are commented on and recommendations are set to every type of client. In conclusion, general method for selection before getting a mortgage is proposed.
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Chia-Ming, Chen, and 陳嘉銘. "Efficiency analysis of Bank Branches:The Case of the Shanghai Commercial & Savings Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/5crp2d.
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碩士國立中央大學
產業經濟研究所在職專班
106
This thesis utilize branch-level data of the Shanghai Commercial and Savings Bank Research to analyze their technical efficiency and how the degree of digitalization affects technical efficiency of branches. Based on a panel dataset of 68 branch banks for the period 2013-2017, the first stage estimation by using data envelopment analysis (DEA) finds that the average technical efficiency value reaches only a moderate level of 0.510 and it shows a small variation across years. On the second stage, using the panel tobit model to implement empirical estimation, we confirm a positive relationship between mobile banking and technical efficiency, highlighting the importance of digitalization business for banks. Finally, the correlation analysis finds a low correlation between key performance indication (KPI) and technical efficient. It is because the KPI target designated by headquarter considers some specific targets and branch mission, thereby leading to this low correlation.
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殷書偉. "Money empire -- Bank Competitive Strategy inTaiwan (Case study of Shanghai Commercial & Savings bank)." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/59138369447759448756.
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Hamšíková, Martina. "Posouzení finanční výkonnosti skupiny specializovaných bank v období před a během finanční krize." Master's thesis, 2011. http://www.nusl.cz/ntk/nusl-91352.
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Fiddler, David Michael. "A study to assess the energy savings potential in the ocean going trawler 'Roxana Bank'." Thesis, 1990. http://hdl.handle.net/10321/1902.
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Dissertation submitted in compliance with the requirements for the Masters Diploma: Mechanical Engineering, Technikon Natal, 1990.Increasing fuel prices have forced marine engineers and diesel engine manufacturers to look at methods of. reducing fuel consumption without a loss in output power. Engineers are always Investigating the following points: (1) decreasing the specific fuel consumption (2) enabling engines to use worse fuels ... (3) extending part load capability (4) using as much waste heat as possible. The sources of heat loss are investigated and the design of an efficient heat recovery system has been evaluated for Ideal temperature and heat conditions. after taking lnto consideration the various methods of heat recovery that are possible on the fishing trawler MFV Roxana Bank. Sources of heat loss identified by engine manufacturers are found primarily in engine cooling water and exhaust systems. These methods are investigated and extra heat transfer systems have become apparent. The use of exhaust gas boilers in diesel engine installations has become widespread as there is always a demand for heating services regardless of vessel type. The predominant form of heat transfer on the Roxana Bank is by forced convection and fluids must always remain in a turbulent state when passing through heat exchange apparatus. The introduction to heat exchangers shows that a high degree of turbulence in both primary and secondary fluids will the overall heat transfer coefficient and also reduce fouling. The design parameters of the heat recovery systems discussed as suitable for the Roxana Bank require the existing cooling water system to be scrapped and a fresh water system with one central cooler to be designed with a high temperature and a low temperature circuit together with a variable speed pump arrangement. should be fitted with such central cooling systems for a number of reasons. The central cooler system Is discussed In detail and it is shown that existing ships and/or new buildings The heat recovery system requires a certain degree of automation to prevent undercooling of the main engine systems and to maintain set Inlet and outlet temperatures to makers specifications. After attending the Roxana Bank on the 09/10 November 1989, the monitored operati~g parameters show a marked deviation to the Ideal temperatures, particularly In the cylinder cooling water circuit ... temperatures. The adverse effects these deviations have on the heat recovery and combined engine load fluctuations found on the Roxana Bank show that steady state heat recovery Is difficult to achieve on this particular type of vessel. Through calculation it Is shown that the envisaged steam turbine alternator is not practical due to the combination of low feed water inlet temperatures to the boiler and insufficient driving steam. The consequence of the reduction in electrical load on the power take off alternators have on the exhaust gas mass flow rates due to reduced engine load are also discussed. A brief mention is also made of organic fluid and thermal oil systems as a form heat recovery and possibilities for efficient heat transfer using these systems. ii Recommendations are made to Irvin and Johnson with regards to a centralised cooling system and the benefits that can be realised with regard to more efficient heat exchanger operations, but that heat recovery on the Roxana Bank from the proposed sources is not a viable proposition.
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Chen, Chih-Liang, and 陳誌亮. "Survival, Opportunity, and Growth of the Shanghai Commercial & Savings Bank in the Taiwan Banking Industry." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/6ukrp4.
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碩士國立高雄大學
國際高階經營管理碩士在職專班(IEMBA)
97
Shanghai Commercial & Savings Bank, Ltd. (SCSB) was established in 1914. SCSB, which is the only private bank from the Mainland, resumed its head office in Taiwan in June 1965. It is the privately held bank with longest history in the Taiwan banking industry. Steady and dependable are the management style of SCSB. Compared to the domestic banks in Taiwan, SCSB has relative low market shares of deposits and loans. Relatively, the asset size is also much smaller than those financial holding companies. Even though SCSB is not a public offering bank listed in the security exchange, it has the positive evaluation and the record of the top sale renovation in the Taiwan banking industry. From 2004 to 2007, the earnings per shares of SCSB are the highest among domestic banks. Even in 2007, SCSB earned the top ranking of the strong banks in Taiwan from the Asian Banker. SCSB survives from the political turbulences, business cycles, and peer competitions. When the trend of a bank becomes a financial holding company (FHC), SCSB still emphasizes on the specialized banking in business banking with sound service and financial innovation. Especially, it is good at foreign exchange services and the international banking across the Taiwan Strait. Because of its efficient operation and profitability, SCSB becomes one of the outperforming small and solid banks in Taiwan. The objectives of this study are to apply the banking theories and empirical results and identify the determinant factors of bank performance. Based on the significant results of the statistical analysis, this study evaluates the case of the performance of SCSB and provides the implications to the other banks in the domestic banking industry.
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DUC, VO MINH, and 武明德. "Assessment of customer satisfaction on savings deposits service of Housing Development Bank in Ho Chi Minh City." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/72761353815722669167.
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碩士樹德科技大學
金融與風險管理系碩士班
99
The procedure of this thesis is to analyze and evaluate the overall operational status in HD Bank deposits, and also analyze the current status of raising capital on the market today. Based on data analysis and statistical models, this thesis will find out the HDBank existence and causes of the existing weaknesses in the activity of deposits in general and the activity of raising capital in particular. These exist on the basis of topics important to offer solutions and recommendations to overcome existing and develop additional activities to other services at HD Bank service quality better. Keywords: Customer Satisfaction, Commercial Bank, Vietnam
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陳素蘭. "A Case Study of the Shanghai Commercial and Savings Bank for the Key Success Factors of Commercial Banks." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/23919317144327806800.
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碩士國立彰化師範大學
會計學系企業高階管理
97
With the development of global financial liberalization, different types of financial commodities are presented constantly. To face the trend of financial liberalization, our government has made a lot of effort to improve financial efficiency. For this reason, fi-nancial institutions are allowed to establish as local private banks. However, these days the great growing number of financial institutions cause some problems, like profit gaining which is not as much as before and the growing rate of overdue repayment.The operating performances of the local banks are an issue highly concerned by the government authorities, the bank operators, depositors and the investors. The greatest difficulties that the local banking industry in Taiwan is facing are the random market price and the declining profits caused by the malicious competition among the homogeneous banks.Besides, after Taiwan was admitted into WTO, the financial environment has been forced to change and open, which has encouraged the international financial groups to enter the local financial market. Hence, the local banking industry is facing the crucial heavy competition from both foreign and domestic banks. Therefore, we must come up with the methods to stabilize and furthermore to promote our competitiveness. bank how to enhance their competitive ability, as a subject worthy of serious consideration.From 2004 to 2007, The Shanghai bank performed very well. This research discusses the factors that affect the operating performances of the The Shanghai bank.This research first discusses the norms of the operating performances of the banks and evaluates the intensity of the effects that the certain financial norms have on the operating performances. An empirical result would be analyzed and suggestions would be made by this study to provide decision making references to the management of the bank.The summary of this research’s result are as follow： 1、The Shanghai bank has the first mover advantage on the bank transactions among Taiwan、Hong Kong and Shanghai. 2、The Shanghai bank Domestic Banking unit and Off-shore banking unit have good knowhow and skills. 3、The Shanghai bank has professional skill by foreign exchange transaction. Key words：Domestic Banking Unit，DBU；Offshore Banking Unit，OBU；Finance Ratio； Performance； Factor Analsis；Blue Ocean Strategy
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Kurka, Ondřej. "Právní úprava stavebního spoření." Master's thesis, 2011. http://www.nusl.cz/ntk/nusl-299887.
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The main purpose of the thesis is to analyse contemporary legal regulations governing the field of building savings in the Czech Republic and recent changes of these legal regulations. The thesis is composed of six chapters, each of them dealing with different aspects of building savings' legal regulation, the introduction, the closing part, lists and annexes. The matters already mentioned above are described in chapters two, three and five. Divided into remaining chapters and within the capacity limits, the thesis also includes secondary issues, such as the evolution of building savings and its legal regulation in Europe and in the Czech Republic in connection with the description of changes made to the legal regulations rather long time ago and followed by research of the practical application of these legal regulations. The aim of the thesis is to complete pieces of knowledge gathered from the legal regulations, from practical research and from my two years expirience as a building savings commercial broker and create an integrated thesis that is transparent and complete from different angles of view. Conclusions are drawn particularly in the closing part of the thesis where are briefly summarized the author's opinions on problems described in each chapter.
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WONG, WEN HSIN, and 翁文杏. "Research of Poverty Alleviation Project in Credit Union League of R. O. C.－「Savings Mutual Empowerment–Volks Bank」Program." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/7y48x6.
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碩士逢甲大學
合作經濟學系
103
ABSTRACT In response to assess feasibility on the analysis of program content, implementation process and outcomes, this paper proposes the main contribution of poverty alleviation program(PAP), a case study of “savings mutual empowerment- civil-bank”, hosted by Credit Union League of the Republic of China (CULROC). According to the assets-based welfare theory proposed by Dr. Michael Sherraden, American social welfare scholar, in 1991, he posed individual development account (IDA) to help disadvantaged people out of poverty. Under literature review, we found some evidence that the assessment and descriptive statistical analysis were essential, then domestic and foreign poverty alleviation models were proved successful. In empirical, we found PAP possesses not only reduction of manpower and financial resource but also benefit due to the long duration. PAP acquires confidence and motivation of participants due to asset accumulation, financial information, employment counseling, volunteer to accompany, micro loans and joining credit unions. PAP is successful and viable that brings up participants effectively on financial, human and social capital, while their ability, prospects for the future is full of hope, but also increased social networks. When it is hit by economic difficulties, they know to get loans from credit union to solve mishap of life, education, business and other issues. If poverty could be eliminated in society, then the state will be stable. We hope that Ministry of the Interior could integrate Ministry of Health and Welfare, municipalities and local governments to involve actively. As a demonstration, shorten the gap between rich and poor, people will be out of poverty. Key words：Credit Union League of the Republic of China, Poverty Alleviation, Asset-based, Micro Loans
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Rakoena, Thabang Lisbon. "Investigating the Possibilities of Linking Progressive Housing Investment with Bank Housing Finance; The Case of Maseru - Lesotho." Thesis, 2006. http://hdl.handle.net/10539/1669.
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Student Number : 0204752J -
MSc research report -
School of Construction Economics and Management -
Faculty of Engineering and the Built EnvironmentMost governments in developing countries are unable to assist in the ever-growing housing needs of the informal sector, which constitutes the major part of most economies. The two reasons for this state of affairs are (i) the ever-shrinking resource base of countries, which makes the provision of subsidies impractical; and (ii) the fact that this sector is normally characterized by irregular incomes, which makes provision for loans by financial institutions difficult. This situation is particularly true for the Kingdom of Lesotho. Due to their unfortunate predicament, the informal sector has become innovative in addressing their housing needs. Various informal credit methods are widely employed to finance their houses, which are built progressively. This research therefore investigates the possibilities of linking the progressive housing investment to bank housing finance, using Maseru - Lesotho as the research focus. In order to achieve the above aim, a household survey was conducted coupled with structured interviews. The structured interviews were held with the commercial banks as well as the government housing authorities. These interviews were mainly to elicit their views about the option of Microfinance of housing. It was established that the respondents as well as the government authorities were not aware of this option. The banks were equally unaware of it and in addition to this, the perceived risk led to skepticism. As such these made Microfinance of housing impractical in the short-run. However it would be advisable to mobilize the formation of a revolving fund to which the commercial banks could on-lend, as a solution to the lack of housing finance.
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Lkhagvatseren and Lkhagvatseren. "A Case Study of the Key Successful Factors in the Credit Card Business - The Shanghai Commercial & Savings Bank, Ltd." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/75950335298178605300.
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碩士國立臺灣科技大學
管理學院MBA
104
ABSTRACT Credit card is very important and suitable payment tool in our modern world. The credit card gives us great benefits to customers and merchants not provided by other payment tools and profit opportunities to banks. Recently, the rapid growth of technological development has been brought a different view and more competition to the banking sector, especially in electronic banking. The strategy of the banking business is reshaped in competitive environment and electronic banking became a key business for gaining competence in banking sector in order to meet customer’s needs. While credit cards have been flourishing in many ways, customer’s behavior and thinking patterns are changed fast. Understanding of the key successful factors is core important concept of the any kinds of business. By defining the key successful factors on credit card business, issuers have more opportunities to create substantive strategy plans and gain profits on efficiency way. The purpose of this research was to identify the key successful factors in the credit card business as well as study of the Shanghai Commercial & Savings bank in Taiwan. A qualitative methodology was used in this research in order to collect primary data from an interview and secondary data from the author’s literature review. The results of the study indicated that the key successful factors that were very important in influencing customer’s usage of credit card are right business strategy plan, innovative technological products, marketing advertisement and incentives. For one thing, banks and credit card companies should define their target market and then based on this, need to investigate customer’s needs.
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Simataa, Linus Milinga. "Microfinance and poverty alleviation: a study of three savings and credit associations, Caprivi region, Namibia." 2013. http://hdl.handle.net/11394/3878.
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Magister Artium - MAAccording to Professor Muhammed Yunus, Nobel Prize winner in 2006 and the founder of the internationally acclaimed Grameen Bank in Bangladesh, microfinance is a viable solution to poverty alleviation among the poorest people residing in rural areas. Microfinance programs have led to poverty alleviation and empowerment of especially rural based women of developing societies, as they enable the poor to manage their finances and cope with unpredictable shocks and emergencies (Yunus, 2007). This research evaluated the developmental impact of microfinance on poverty alleviation and women empowerment. It assessed the impact of the existing microfinance programmes among the members of the three microfinance Savings and Credit Associations (SCAs) in the rural areas of the Caprivi region of Namibia. This study explored whether microfinance programs have helped their members to minimize financial vulnerability through diversification of income sources and accumulation of assets. The research employed both qualitative and quantitative research designs. Data were collected through different qualitative and quantitative techniques (in-depth individual interviews, faceto- face interviews, questionnaire and questionnaire schedule). Summary findings indicate that the SCAs has positively contributed to the socio-economic improvement in the living standards (contribution to livelihood – increased income, enhanced health, and food status), improved education/healthcare, women empowerment through micro enterprise training and skill development. However, SCAs are still struggling with challenges, such as lack of income, high default rates and unprofitable micro enterprises. This research makes several recommendations, including: MFIs should concentrate on women’s economic empowerment as their main aim, incentives should be provided to the MFIs to encourage savings and investment amongst the poor, and if microfinance is to be used as a promotional tool for credit and saving services for the poor, then the socio-economic consequences of micro-credit lending have to be re-investigated, especially when they negatively impact on poverty reduction.
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Weng, Chang-chi, and 翁昌吉. "A Study of The Factors which Influence Consumer’s Intentions to Use Self-Service Technology of Bank - A case of Online Savings Account." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/94005303672242065902.
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碩士國立臺灣科技大學
資訊管理系
97
The evolution of information technology makes the possibilities of switching high cost of full service to low cost of self-service. The self-service technology (SST) has tremendously changed the way customers interact with firms. The self-service technology reduces the operating cost of the enterprise, and creates the competitive advantage. The self-service technology also provides the height convenience for the customers. The bank serves the customer using the self-service service science and technology, provides automatic teller machine (ATM), telephone banking and network bank. Recently several years, the domestic bank started to promote Online Savings Account, including HSBC, E.SUN Bank, Standard Chartered Bank, Taipei Fubon Bank. The characteristic of online Savings Account includes: high interest rates, no monthly account keeping fee, no minimum balance requirements and web interface. In addition, the online savings account provides easy access with free online banking and ATM card. This study focuses primarily on online Savings Account, and adopts Technology Acceptance Model to explore the relationship of perceived usefulness, perceived ease of use, service convenience, marketing mix, internet familiarity to Attitude towards Using and Behavioral Intention to Use. In addition, the purpose of this study is to provide some suggestions to the bank while promoting online savings account. The major results of this study are summarized as following: 1.For the actual users of online savings account, there exists the significant positive relationship between perceived usefulnes, perceived ease of use, transaction convenience, postbenefit convenience, internet familiarity and attitude towards using. 2.For the actual users of online savings account, there exists the significant positive relationship between perceived usefulnes, perceived ease of use, transaction convenience, postbenefit convenience, internet familiarity and behavioral intention to use. 3.For the actual users of online savings account, there exists the significant positive relationship between Product benefit, price preferential benefit, multiplication on-line service, place convenience and Attitude towards using. 4.For the actual users of online savings account, there exists the significant positive relationship between Product benefit, price preferential benefit, multiplication on-line service, place convenience, Advertisement promotion and behavioral intention to use.
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Ssebagala, Ralph Abbey. "Consumer credit and poverty in low-income households in South Africa: A case study of West Bank on the Cape Flats." Thesis, 2007. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_8328_1260179184.
Full textAbstract:
The purpose of this research effort is to contribute to the discussion on consumer indebtedness and poverty, analyse the causes and levels of indebtedness as well as the role played by both the consumer and the credit provider in the growth of consumer indebtedness among the sampled population of the Cape Flats area of West Bank in the Western Cape Province of South Africa. The methodology used in this study included both qualitative and quantitative research approaches. The research methods comprised of a comprehensive literature study and secondary data analysis, immersion in the case study area in order to observe the consumer credit market dynamics and its trends. In-depth informal and semi-formal interviewing, focus group discussions as well as a questionnaire survey were also used to gather primary data.
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Zamrazilová, Věra. "Banky a jejich úloha v ekonomice České republiky." Master's thesis, 2015. http://www.nusl.cz/ntk/nusl-335825.
Full textAbstract:
The subject of this diploma thesis is the characteristic of banks and its role in the economy of the Czech Republic, the introduction of core bank activities and products as well as analysis of significant bank products, such as building savings. The first part presents the functioning of bank system, the central bank and commercial banks. The second part deals with the principles of building savings, development and evaluation of the most important changes in building savings in the Czech Republic. In this thesis is also comparison of the building saving in Germany, Austria and the Slovak Republic, and there is outlined potential future development of building savings in the Czech Republic. The conclusion summarizes the most important findings about the role of banks with special focus on the analysis of building savings.
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Huang, Yuchia, and 黃郁嘉. "A Study on the Correlation Between Virtual Spokes-Character Advertising and Corporate Brand Image－Taking the Virtual Spokes-Character, pukii of the Shanghai Commercial & Savings Bank as an example." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/79983112220118864793.
Full textAbstract:
碩士世新大學
公共關係暨廣告學研究所(含碩專班)
98
Many famous enterprises have devoted virtual figure to distinguish their products and services. Therefore, the report attempts to research from different aspects such as virtual figure’s character to realize whether virtual figure can affect corporate image. Pukii is the main virtual figure mentioned in the report. The survey was through the Internet. After receiving 414 effective questionnaires, the author did SPSS statistical analyses to prove the research hypotheses. Besides, the report provides some qualitative researches. Based on comments from industry experts by deep interview, the report can contrast the qualitative and quantitative results.The conclusions are: 1. Spokes-character’s favorability and credibility can affect aconsumer’s advertising attitude. 2. Likeablity of Spokes-character has three dimensions: personifikation, appearance, humour, and credibility of Spokes-character of Spokes-character also has three dimensions: relevancy, expertise, nostalgia.All of them can affect aconsumer’s advertising attitude. 3. Consumer’s advertising attitude could affect corporate brand image. The effect is also reflected by consumers’ feedback. 4. Consumer’s advertising attitude could affect functional image, symbolic image and experiential image in corporate brand image. 5. Separate consumers’ brand experience do not affect consumers’ advertisement attitude and effects of brand image. Based on empirical results with qualitative research, the report provides several ways to utilize spokes-character and suggestions to promote the brand image for the bank.
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Dřizgová, Zuzana. "Audit finančních institucí." Master's thesis, 2014. http://www.nusl.cz/ntk/nusl-335025.
Full textAbstract:
92 Abstract and keywords The audit of financial institutions The purpose of my thesis is to provide a comprehensive view on the issue of the audit of financial institutions. The main reason for my research is my personal interest in this area stemming from my contemporary occupation. Secondly, I would like to broaden a range of a few existing theses dealing with related topics by complex and especially legal point of view. The thesis is composed of four chapters, each of them dealing with the issue on different level of generalization and specialization. Chapter One is introductory and defines basic terminology used in the thesis: "audit" and "financial institutions". The chapter is subdivided into three parts. Part One describes audit, its aims and functions and explains important concept of materiality. Part Two deals with various understandings of the term "financial institutions". Part Three determines scope of the thesis and its structure. Chapter Two examines relevant Czech legislation, International Standards on Auditing and Code of Ethics. The chapter consists of eleven parts which focus on respective elements of audit regulation. Namely it investigates requirements for compulsory audit, eligibility of an auditor, rights and duties of an auditor with deeper focus on ethical imperatives (especially...
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Gervambe, Zacarias Chicapa. "O crédito malparado no Banco de Poupança e Crédito de Angola (2012-2019)." Master's thesis, 2020. http://hdl.handle.net/10071/22304.
Full textAbstract:
Pretende-se nesta dissertação fazer uma abordagem ao crédito malparado no Banco de Poupança e Crédito (BPC) de Angola, no período entre 2012 à 2019. O interesse ao tema cingiu-se pelo facto do BPC ser uma instituição bancária sofisticada e habilitada a gerir riscos e ter ajustado as normas de concessão de crédito, na perspectiva de uma maior segurança na aprovação das operações, nomeadamente quanto às garantias e avaliação da capacidade de endividamento dos proponentes, e revisão no sistema de classificação do risco de crédito, mas mesmo assim verificar-se um nível de crédito malparado bastante elevado e igualmente verificar-se debilidades no processo de cobrança e recuperação do crédito malparado. A presente dissertação tem por objectivo avaliar os factores que contribuíram para o crescimento do crédito malparado no BPC e as estratégias que têm vindo ou podem vir a ser implementadas para o mitigar. A metodologia utilizada foi a análise documental e o questionário, utilizando-se uma abordagem essencialmente qualitativa. Partindo da análise dos mesmos elaborou-se todo um conjunto de materiais destinados à recolha de dados relativamente ao tema. Os resultados demonstram que os procedimentos apresentados podem ser incorporados na cedência do crédito assim como na cobrança e recuperação do crédito malparado que o banco tem vindo a utilizar. As conclusões basearam-se nos dados obtidos através da pesquisa, e pretende deixar contribuições que ajudem a obter soluções e melhorias nos processos de cobrança do crédito malparado no BPC e na banca em geral, porque a problemática do crédito malparado é transversal a toda a banca angolana.The focus of our dissertation is to make an approach about the bad loans at the Bank of Savings and Credit (BPC) of Angola, in the period between 2012 to 2019. The interest in the topic was due to fact that BPC is a sophisticated banking institution and qualified to manage risk and have adjusted to the credit granting rules, with a view to greater security in the approval of operations, namely regarding guarantees and assessment of the borrowers' indebtedness capacity, and revision in the credit risk classification system. The high level of non-performing loans and weaknesses in the collection and recovery process of non-performing loans. This academic work aims to assess the factors that contributed to the growth of bad loans at BPC and the strategies that have been and may be implemented to mitigate it. The methodology used was the documentary analysis and the questionnaire, using the qualitative approach. Based on their analysis, a whole set of materials was developed to collect data on the topic. The results show that the procedures presented may be incorporated in the credit granting as well as in the collection and recovery of bad loans that the bank has been using. The conclusions were based on the data obtained through the research, and it intends to leave contributions that help to obtain solutions and improvements in the process of collecting bad debts in BPC and in banking in general, because the problem of bad loans is transversal to the whole Angolan banking.
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Félix, Marín Tahinee M. "Modern architecture + art : an analysis of preservation strategies for installed art." Thesis, 2011. http://hdl.handle.net/2152/ETD-UT-2011-05-3568.
Full textAbstract:
The purpose of this Master’s Report was to determine an appropriate preservation strategy for a particular set of buildings and their accompanying art from the Modern Architecture Movement. The research question was: What type of strategy is best suited for the preservation of installed art created for Modern style buildings? The study analyzed preservation strategies afforded to Modern art and architecture
during rehabilitation of the buildings. The case studies are Modern Movement office or bank buildings with art commissioned for the space by the architects or owners. An analysis of the main case study’s preservation strategies looks at all the actions taken and proposed to protect, not only the material fabric of the art, but the primary interior space. The main case study was the American National Bank building in Austin, Texas designed by Kuehne, Brooks and Barr Architects with a mural by Seymour Fogel. The secondary case studies were: Harry Bertoia sculpture + Manufacturers Trust Building, New York City, Pietro
Belluschi mural + Equitable Building, Portland, Oregon, Richard Lippold sculpture + Inland Steel Building, Chicago, and Roger Darricarrere dalle de verre + Columbia Savings Buildings, Los Angeles. After study and
analysis, the preservation strategies were categorized in four categories: in situ conservation, removal,
recreation/replacement and demolition/destruction. It was concluded that there is not a general approach for
these projects, and each should be analyzed through various factors (Design Intent, Intrinsic Value,
Collaboration and Context) to determine the appropriate intervention.text