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Journal articles on the topic 'The potential of the bank'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Siahaan, Matdio, Samuel PD Anantadjaya, I. Made Gede Ariestova Kurniawan, and Anwar Soleh Purba. "Syariah Technology Financial Potential to Reach Non-bank Financing." Webology 19, no. 1 (2022): 1824–33. http://dx.doi.org/10.14704/web/v19i1/web19122.

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The establishment of Syariah Financial Technology (FinTech) has answered the needs of the current transaction system. The presence of financial technology has made the current financial system run fast and efficiently. This research will explain and analyze the potential of Islamic Fintech in reaching non-bank financing. Data collection used in this research is descriptive qualitative method by directly observing the field. The analysis technique used in compiling the potential of Islamic FinTech is the matrix of Strengths, Opportunities, Weaknesses and Threats (SWOT). The results of the SWOT

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Silmi, Silmi, Kevry Ramdany, and Yudi Mufti Prawira. "“Is The Banking Industry The Right Choice To Invest?” (Analisis Laporan Keuangan PT. Bank Central Asia, PT. Bank Rakyat Indonesia, PT. Bank Nasional Indonesia, PT. May Bank dan PT. Bank Permata Periode 2013-2017)." Jurnal Ilmiah Universitas Batanghari Jambi 20, no. 2 (2020): 652. http://dx.doi.org/10.33087/jiubj.v20i2.987.

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Financial statements are one of the analytical tools that contain information that can be used by potential investors to make investment decisions. Prospective investors need a capable and trusted analysis to analyze the financial statements of the industry in the Bank, to determine which banks need funds for short-term investors and long-term prospective investors involve investing their capital through the purchase of shares, explained to the Bank that provides funds as expected investment returns by potential investors even more. There are 5 banks that submit comparisons and assess their ra

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Butler, Jack, and Kara Paintner. "Rangeland Recovery Potential: Soil Seed Content and Seed Viability." UW National Parks Service Research Station Annual Reports 14 (January 1, 1990): 63–65. http://dx.doi.org/10.13001/uwnpsrc.1990.2879.

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In most plant communities, soil contains a seed bank (population of dormant seeds), (Harper 1977), which provides a partial record of past and present vegetation (Major and Pyott 1966, Johnson and Anderson 1986). Seed banks are continuously rejuvenated by a "seed rain", from vegetation located on- and off-site. If existing communities are disturbed or destroyed, the seed bank provides a potential source of propagules during succession (Egler 1954, Connell and Slatyer 1977). Consequently, seed banks may serve as an index in predicting what vegetation changes might occur if environmental conditi

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4

Khutub, Muhammad. "Potential Abuse of the Dominant Position of Indonesian Islamic Banks in Legal Perspective Business Competition." Az-Zarqa': Jurnal Hukum Bisnis Islam 14, no. 1 (2022): 1. http://dx.doi.org/10.14421/azzarqa.v14i1.2600.

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Abstract: This objective study to examine the potential for abuse of the dominant position in Article 25 of Law no. 5/1999 in the context of business competition law against Bank Syariah Indonesia (Bank Syariah Indonesia). The Bank Syariah Indonesia merger is intended to increase the competitiveness of Islamic Commercial Banks (BUS) in providing services to customers so that they are equivalent to the services of conventional commercial banks. As is well known, the implementation of the Bank Syariah Indonesia merger has resulted in the potential for abuse of the dominant position in the Islami

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Erdiansyah, Muhammad Zaky, Taufik Taufik, and Indra Kharisma Raharjana. "Visualisasi Data Menggunakan Sistem Informasi Geografis untuk Potensi Bank Sampah di Surabaya." Journal of Information Systems Engineering and Business Intelligence 2, no. 1 (2016): 40. http://dx.doi.org/10.20473/jisebi.2.1.40-49.

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Abstrak—Bank sampah adalah tempat pemilahan dan pengumpulan sampah yang dapat didaur ulang dan digunakan ulang yang memiliki nilai ekonomi. Bank sampah memiliki potensi sampah yang bermanfaat, terdiri dari potensi sampah plastik, kertas, kaca dan besi. Potensi sampah tersebut dibutuhkan oleh perusahaan yang menggunakan bahan baku dari barang bekas pakai untuk di daur ulang menjadi produk yang memiliki harga di pasaran. Permasalahan bank sampah di Surabaya dapat dibagi menjadi dua masalah utama, yaitu pemantauan kegiatan bank sampah dan pencarian letak bank sampah beserta potensi yang dimiliki.

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Diana, Zavadska. "IMPROVEMENT OF THE ASSESSMENT METHODOLOGY OF LENDING POTENTIAL OF UKRAINE'S BANKS." SCIENTIFIC BULLETIN of Odessa National Economic University 1-2, no. 274-275 (2020): 10–27. https://doi.org/10.32680/2409-9260-2020-1-2-274-275-10-27.

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Object of study. The object of the study are the processes of forming the lending potential of the banking system. One of the most problematic areas is the lack of comprehensive research on the formation of scientific and methodological approaches to determine and assess the lending potential of the bank. The research has emphasized the need to solve problems of innovative development of Ukraine’s economy. Methodology. The information base of the research is the regulations of the National Bank of Ukraine, official analytical and statistical data of organizations and the results of scien

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Mohammad Yusuf, Annisa Sanny, and Zuhri Ramadhan. "Potential product Development at Indonesian Islamic Banks Based on Sharia Economic." Proceeding of The International Conference on Business and Economics 1, no. 1 (2023): 337–51. http://dx.doi.org/10.56444/icbeuntagsmg.v1i1.660.

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The government has high hopes for the benefits of Bank Syariah Indonesia because it is a momentum that will affect public awareness of the Islamic financial industry, especially Islamic banking. However, behind the opportunities of an industry there are challenges that must be resolved, as for these challenges are related to increasing financial literacy, how to adapt a new work culture which of course among the three previous Islamic banks has different characteristics, bank management that ensures that integration goes well without sacrificing previous quality resources, and how to create fi

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Pratiwi, Amelia, Baiq Nurlita Dwi Puspita, and Sony Wahyudi. "The Assessment of Bankruptcy Potential of Sharia Rural Banks in Indonesia." Jurnal Economia 15, no. 1 (2019): 114–34. http://dx.doi.org/10.21831/economia.v15i1.23932.

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Abstract:This investigation is intended to assess the possibility of financial problems in Sharia Rural Banks (SBRs) in Indonesia. The financial ratio approach is chosen to measure the financial distress potential of SRBs which assesses the profitability, liquidity, efficiency and capital adequacy of 166 banks from 2013 to 2016. The model of panel estimation uses discriminant analysis is utilized in predicting financial distress in Indonesian SRBs. The outcomes of this research are, firstly, liquidity and efficiency are the most prominent variables in predicting financial difficulties in SRBs.

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Świtała, Filip, Iwona Kowalska, and Karolina Malajkat. "Bank Lending Channel Effectiveness – Potential Lessons For Monetary Policy." Journal of Banking and Financial Economics 2023, no. 1(19) (2023): 160–77. http://dx.doi.org/10.7172/2353-6845.jbfe.2023.1.8.

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The article supplements the research on the effectiveness of monetary policy transmission – especially through the bank lending channel. The current study focuses on assessing the transmission of monetary impulses through commercial and cooperative banks as well as through individual loan portfolios, while distinguishing between the fact that they were granted by commercial and cooperative banks. How a change in the central bank’s interest rates may determine a change in the volume of loans in the economy remains the core question of the research.

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Fitri, Heti Suryani Fitri, Heri Abrianto, Annisa Alifa Ramadhani, Lintang Kresna Dewanti, Pebriantika Wahyu Jatiningrum, and Khairunnisa Khairunnisa. "Efisiensi Bank Umum dengan Pendekatan Data Envelopment Analysis (DEA) untuk Mewujudkan Green Banking di Indonesia." Al-Muzdahir : Jurnal Ekonomi Syariah 7, no. 1 (2025): 18–29. https://doi.org/10.55352/ekis.v7i1.1323.

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Banking competitiveness can be reflected in the level of operational efficiency. Measuring performance based on efficiency is very crucial for banks. Banks that have better performance must manage efficiency levels to be better able to compete. This research aims to determine the level of efficiency of commercial banks and the potential for improving commercial bank inefficiencies. This type of research is quantitative descriptive research. The sample taken used purposive sampling, namely taking KBMI 4 banks, namely commercial banks which have core capital of more than 70 trillion, consisting

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Yang, Tong. "Study on the Effect of Extreme Weather on Bank Credit Risk." Modern Management Science & Engineering 6, no. 3 (2024): p137. http://dx.doi.org/10.22158/mmse.v6n3p137.

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In the global economic landscape, the potential impact of extreme weather issues on banks has attracted much attention. This study focuses on the impact of extreme weather on the credit risk of A-share listed banks and explores its role in financial stability. Given China's significant position in the global economy, analyzing the credit risk faced by its banking sector has both theoretical and practical value. By synthesizing bank financial data, weather records and macroeconomic indicators, this study quantifies the potential impact of extreme weather events on bank credit risk, taking into

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Asyva, Fasha, Kristianingsih Kristianingsih, and Rosma Pakpahan. "Pengaruh Rasio Keuangan Sebagai Indikator dalam Memprediksi Potensi Kebangkrutan Bank Umum yang Terdaftar di Bursa Efek Indonesia." Indonesian Journal of Economics and Management 1, no. 3 (2021): 685–96. http://dx.doi.org/10.35313/ijem.v1i3.3228.

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This study aims to provide empirical evidence that financial ratios include in the Risk Based Bank Rating component can be used to predict the potential for bankruptcy of commercial banks and to determine financial ratios that can be used as indicators in predicting bankruptcy of commercial banks. This study uses secondary data in the form of bank financial statements for 2015-2019 at commercial banks listed on the Indonesia Stock Exchange, with 12 banks selected as samples through the purposive sampling method. The analytical technique used is panel data regression analysis with a random effe

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Wahyu, Wahyu, and Sari Utami. "PENGARUH PEMBIAYAAN MODAL KERJA DENGAN AKAD MUSYA’RAKAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2016-2019 (STUDI KASUS PADA BANK MUAMALAT INDONESIA, BANK MEGA SYARIAH, BANK BCA SYARIAH)." AL-IQTISHAD 13, no. 2 (2022): 126–40. http://dx.doi.org/10.30863/aliqtishad.v13i2.2545.

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Sharia financial performance is currently quite good. The higher the profit obtained by Islamic Banking, the better the performance of the bank. One way of Islamic banks in an effort to increase profit (profit) is to increase the source of fund income. The increase in sources of funds carried out by Islamic banks is by raising funds in the form of demand deposits, savings, deposits and channeling funds in the form of financing. This study discusses Islamic financial performance in the aspect of fund distribution, profitability is offered by using the ROA indicator, taken from working capital g

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Trisnawati, Desi, Rosana Eri Puspita, Mohammed Asmy bin Mohd Thas Thaker, and Anwar Radiamoda. "Measuring Potential Effect on Bank Stability After Muhammadiyah Makes Bank Run." Jurnal Ilmiah Manajemen Kesatuan 13, no. 3 (2025): 1939–50. https://doi.org/10.37641/jimkes.v13i3.3254.

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Muhammadiyah, a major Indonesian community organization, plans to withdraw approximately 13 trillion rupiah from Bank Syariah Indonesia (BSI) due to concerns over financial concentration risks. Beyond its tangible assets, Muhammadiyah’s influence over its followers raises the potential for a bank run, threatening banking stability. This study aims to analyze netizen behavior toward Muhammadiyah’s decision and the likelihood of its followers following suit. Employing a qualitative netnography approach, data were collected from 2,402 YouTube comments using Nawala software and analyzed with NVIVO

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Al-Gasaymeh, Anwar. "Economic Freedom, Country Risk and Cost Efficiency in Jordan and the GCC Countries." Global Business Review 21, no. 1 (2018): 1–17. http://dx.doi.org/10.1177/0972150917749292.

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Using data from 2003 to 2010, we examine the impact of economic freedom and country risks on the bank costs of potential Gulf Cooperation Council (GCC) union. In estimating a common frontier, this article employs Stochastic Frontier Approach (SFA) to control for country-specific variables, that is, economic freedom, country risk, macroeconomic conditions, bank accessibility and bank structure, for an unbalanced panel of 90 Jordanian and the GCC countries’ banks. This article further estimates bank efficiency levels in the potential GCC union member countries to shed some light on the capabilit

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Gharios, Robert, and Bashar Abu Khalaf. "Digital Marketing’s Effect on Middle East and North Africa (MENA) Banks’ Success: Unleashing the Economic Potential of the Internet." Sustainability 16, no. 18 (2024): 7935. http://dx.doi.org/10.3390/su16187935.

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One new factor driving the banking industry towards long-term, high-quality growth is digital marketing, which has arisen within the framework of the digital economy. The purpose of this research is to examine the effect of digital marketing on the financial results of MENA banks from 2010 to 2023. The research examines the impact of digital marketing techniques on the effectiveness of financial institutions through Tobit regression analysis, taking into account and controlling for sustainable practices (ESG), bank-specific characteristics (capital adequacy, bank size, liquidity, and cost effi

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Kula, Ayşegül. "The European Investment Bank Complaints Mechanism: Its Potential and Limitations." Journal of World Investment & Trade 24, no. 6 (2023): 907–46. http://dx.doi.org/10.1163/22119000-12340313.

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Abstract The European Investment Bank Complaint Mechanism (EIB CM) reviews complaints about acts or omissions of the European Investment Bank (EIB) for non-compliance with the EIB’s obligation and proposes corrective solutions. This article analyzes the potential and limitations of the EIB CM as an accountability mechanism. It reviews the EIB CM’s case law related to the environmental and social impacts of financed projects and makes comparisons with the operating documents of the accountability mechanisms of other development banks. The analysis indicates that, despite several shortcomings, t

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Behr, Patrick. "Opacidade e Assunção de Risco pelos Bancos." Brazilian Review of Finance 10, no. 4 (2012): 499. http://dx.doi.org/10.12660/rbfin.v10n4.2012.3967.

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This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This resu

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Pavitasari, Gitta Ayu, and Bintang Septiarani. "Rencana Pengelolaan Sampah Melalui Optimalisasi Bank Sampah Pada Kelurahan Pudakpayung, Kecamatan Banyumanik." Jurnal Riptek 17, no. 2 (2023): 105–20. http://dx.doi.org/10.35475/riptek.v17i2.212.

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Semarang city is an area with an increasing number of residents increasing from year to year. This causes the generation of waste generated by households is increasing. To overcome the generation of waste that accumulates in the landfill Jatibarang, Semarang City Government conducted a variety of waste management, one of which is the waste bank. Pudakpayung village in Banyumanik District is one of the villages in Semarang that has empowered the waste bank program to manage waste from upstream. Operationally, the waste bank in Pudakpayung village has not been running optimally. The purpose of t

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Hermawati, Nofa, and Irwan Trinugroho. "FINTECH LENDING DEVELOPMENT, RURAL BANK PERFORMANCE, AND COLLABORATION POTENTIAL: RURAL BANKS PERSPECTIVE." MANAJEMEN DEWANTARA 8, no. 1 (2023): 12–21. http://dx.doi.org/10.30738/md.v8i1.15984.

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The rapid development of information technology has brought the presence of fintech to the financial industry, which in turn has had a disruptive effect on banks that still run the business in traditional way, especially the rural banks that have a similar market share and relatively smaller resources. This study aims to examine the impact of fintech lending development on the rural bank performance and the potential for collaboration between fintech companies and rural banks in the Greater Solo Region based on rural banks’ perspective. The research uses primary data obtained from questionnair

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Fazilov, Bekhzod Ulugbekovich. "WAYS TO ASSESS BANK MARKETING EFFICIENCY AND INCREASE IT." International journal of advanced research in education, technology and management 2, no. 3 (2023): 272–84. https://doi.org/10.5281/zenodo.7793858.

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The last ten years have been a period of increased banking competition in Uzbekistan. This process was the result of the development of the free market of banking products. Commercial banks began to compete more intensely with each other in the fight for the most profitable areas of activity.            In such a situation, the need to activate the incentive system by credit organizations increases with the low level of differentiation of banking products. Any "innovation" in the banking industry is quickly absorbed and copied by competito

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Maharjan, Ganga, and Keshav Ghimire. "Bank-Specific Variables Affecting Financial Performance of Commercial Banks." United Journal of Interdisciplinary Studies 1, no. 1 (2024): 112–25. https://doi.org/10.3126/ujis.v1i1.80303.

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This study has investigated the influence of bank-specific variables on the financial performance of commercial banks in Nepal, focusing on Return on Assets (ROA). Employing both descriptive and causal research designs, data from five commercial banks - NABIL Bank Limited, NMB Bank Limited, Everest Bank Limited, Himalayan Bank Limited, and Sunrise Bank Limited - were analyzed. Bank size, Cash Reserve Ratio (CRR), Capital Adequacy Ratio (CAR), and Non-Performing Loan Ratio (NPLR) were examined in relation to ROA using secondary data sourced from published annual reports spanning from 2012/13 to

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Țîrlea, Mariana Rodica. "Artificial Intelligence Applied in the Pre-Contractual Stage of Banking Credit Contracts." International conference KNOWLEDGE-BASED ORGANIZATION 31, no. 2 (2025): 96–100. https://doi.org/10.2478/kbo-2025-0054.

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Abstract Lending quickly imposes precise and clear regulations. Banks in the EU member states must also be in this direction. In the pre-contractual stage, banks are obliged to provide their customers with information regarding bank lending conditions, alternatives, possibilities and simulations tailored to the situation of each individual customer. The role of these simulations is to support customers or potential customers of the bank in comparing bank lending offers in order to conclude bank lending contracts. The pre-contractual stage is the stage in which alternative simulations are carri

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Butler, Jack, and Kara Paintner. "Rangeland Recovery Potential: Soil Seed Content and Seed Viability." UW National Parks Service Research Station Annual Reports 15 (January 1, 1991): 130–35. http://dx.doi.org/10.13001/uwnpsrc.1991.2993.

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The objectives of this project are to 1) evaluate the viable seed bank within grazed and relict pinyonÂjuniper and blackbrush/lndian ricegrass communities, 2) assess the ability of these communities to recover following a disturbance using their respective seed banks as indicators of recovery potential, and 3) address the suitability of using seed banks to monitor and predict community level composition changes in response to various intensities of grazing.

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Utama, Andrew Shandy. "Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia." Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial 6, no. 2 (2021): 113. http://dx.doi.org/10.22373/justisia.v6i2.11532.

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Technological developments make the world borderless. The development of information and communication technology has touched the banking sector. Based on the operational system, the types of banks can be divided into conventional banks and Islamic banks. This study aims to explain the digitalization of conventional bank products and Islamic banks in Indonesia. The method used in this research is normative legal research. The development of information and communication technology has touched the banking sector. As one of the efforts to increase bank capability, more optimal utilization of inf

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Nampira, Anisa Apriliani, Talent Nia Pramestyawati, and Ro’du Dhuha Afrianisa. "Potential Waste Reduction Through 3R (Reduce, Reuse, and Recycle) in Surabaya City: Focus on East and South Surabaya." Journal of Earth and Marine Technology (JEMT) 4, no. 2 (2024): 167–77. http://dx.doi.org/10.31284/j.jemt.2024.v4i2.5961.

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Surabaya, the second largest city in Indonesia, faces significant environmental challenges, particularly waste management. To address this issue, the Surabaya City Government, through the Surabaya City Environmental Service (DLH), has introduced an innovative solution: the waste bank program. This practical work aims to evaluate the potential for waste reduction in East Surabaya and South Surabaya using the 3R (Reduce, Reuse, and Recycle) system facilitated by the waste bank program. The waste bank involves the sorting and collecting of recyclable and reusable waste with economic value. Initia

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Basysyar, Fadhil M., Arif R. Dikananda, and Dian A. Kurnia. "Prediction of Bank Customer Potential Using Creative Marketing Based on Exploratory Data Analysis and Decision Tree Algorithm." Ingénierie des systèmes d information 27, no. 4 (2022): 597–604. http://dx.doi.org/10.18280/isi.270409.

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Today's bank marketing uses traditional methods, using standard and boring ads to target prospects. Of course, this can impact the banking process, reducing the number of potential banking customers. Banks need to think outside the box and apply creative marketing ideas to drive their profitable marketing development and marketing success potential. Most consumers consider banking a daily necessity, and it is best to avoid it. If they can take a creative approach to bank marketing, that idea can change. Especially when bank marketing integrates creative bank marketing ideas such as gamificatio

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NISRINA, NADA, and SUSI RETNA CAHYANINGTYAS. "EVALUASI TINGKAT KESEHATAN BANK DAN POTENSI FINANCIAL DISTRESS (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA)." GANEC SWARA 18, no. 3 (2024): 1699. http://dx.doi.org/10.35327/gara.v18i3.1035.

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This research was conducted at Sharia Commercial Banks from 2019-2022. The purpose of this study is to determine the level of bank health using the RGEC method and the potential for financial distress using the Atlman Z-Score Modified, Springate, Zmijewski, Bankometer, and Grover models. This research is a descriptive research using a quantitative approach. The results of the study on measuring the health level of banks show that from 2019-2022 based on the average value, banks are in the predicate of Quite Healthy. The results of the study on the measurement of potential financial distress sh

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Uhlig, Harald. "Sovereign Default Risk and Banks in a Monetary Union." German Economic Review 15, no. 1 (2014): 23–41. http://dx.doi.org/10.1111/geer.12039.

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Abstract This study seeks to understand the interplay between banks, bank regulation, sovereign default risk and central bank guarantees in a monetary union. I assume that banks can use sovereign bonds for repurchase agreements with a common central bank, and that their sovereign partially backs up any losses should the banks not be able to repurchase the bonds. I argue that regulators in risky countries have an incentive to allow their banks to hold home risky bonds and risk defaults, whereas regulators in other ‘safe’ countries will impose tighter regulation. As a result, governments in risk

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Durkin, Mark, Pauric McGowan, and Lisa Murray. "Perspectives on the Potential for Social Media to Improve Communication in Small Business–Bank Relationships." International Journal of Entrepreneurship and Innovation 15, no. 4 (2014): 251–64. http://dx.doi.org/10.5367/ijei.2014.0163.

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Relationships with the small business sector have traditionally been largely neglected by banking institutions. However, as a result of recent turmoil in the world's economy and the ongoing impact of the recession, banks find themselves in a quandary about how best to support those within the small firm sector in times of tight credit. With increasing regulation, market fragmentation and increased competition, banks face real challenges to improve communication and establish profitable and long-term relationships with their small firm clients. Through conceptual modelling and empirical researc

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Irawan, Towaf Totok. "ANALISIS PENDAYAGUNAAN SUMBER PEMBIAYAAN PERBANKAN UNTUK PERUMAHAN." Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT 3, no. 3 (2018): 331–42. http://dx.doi.org/10.36226/jrmb.v3i3.152.

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The bank is considered not maximal yet to finance housing because it is faced with prudential rules in managing third party funds. In general, banks still face a gap between funding sources and housing finance. But the reality of banking financing sources is still the foundation of housing finance. Without reducing the precautionary aspect, the potential for bank funds can be extracted for housing finance. Therefore, it is necessary to analyze the potential for housing finance by banks. After analysis, the banks studied have the potential to carry out housing finance, even though funding sourc

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Bapat, Dhananjay. "Customer acquisition at Abhyudaya Co-operative Bank Ltd." Emerald Emerging Markets Case Studies 4, no. 4 (2014): 1–14. http://dx.doi.org/10.1108/eemcs-07-2013-0140.

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Subject area Marketing, Banking. Study level/applicability Post Graduate Programme, MBA, BBA. Case overview On 27 June 2011, Abhyudaya Bank, a leading urban cooperative bank, opened its 101 new branch at Diva, which is on the outskirts of Mumbai city in India. Diva area is populated but has less number of bank branches. The bank planned to surpass its earlier record of customer acquisition in branches which were newly opened at Marve Link Road and Jogeshwari in Mumbai. According to Mr Morye, Managing Director, Abhyudaya Bank, “With the expanding horizons, continuous developments and competitio

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Komulainen, M., M. Vieno, V. T. Yarmishko, T. D. Daletskaja, and E. A. Maznaja. "Seedling establishment from seeds and seed banks in forests under long-term pollution stress: a potential for vegetation recovery." Canadian Journal of Botany 72, no. 2 (1994): 143–49. http://dx.doi.org/10.1139/b94-019.

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Seed germinability of some common dwarf shrubs and seed-bank composition were studied in young pine forests along a pollution gradient from Severonickel smelter in Monchegorsk, northern Russia. Samples for seed germination and seed-bank trials were taken from sites representing different zones of pollution. Generally, germinability of dwarf shrub seeds was not affected by distance from pollution source, except for Empetrum nigrum ssp. hermaphroditium. The average density per site of seedlings that emerged from seed-bank samples varied between 278 and 416 seedlings/m2. Empetrum nigrum ssp. herm

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Aditya Kristianto Marjono and Dony Abdul Chalid. "The Impact Of Size And Other Income On Systemic Risk In Indonesia." Jurnal Manajemen 28, no. 2 (2024): 435–53. http://dx.doi.org/10.24912/jm.v28i2.2007.

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This research aims to measure systemic risk, especially in the banking system, between 2018 and 2022. In this research, the measurement method used is SRISK, which aims to measure the potential capital shortage of a bank when there is pressure on the market. The lack of capital from a bank, which is an individual risk for a bank, also poses the potential for a contagious threat which could end up becoming a systemic risk in the banking system in Indonesia. This research shows that several banks, through SRISK calculations, have the potential for capital shortages when market pressure occurs, e

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Alifa, Nabila Putriyandri, Arini Adelia, and Aulia Annas Mufti. "Material Flow Analysis of Plastic Waste for Circular Economy Potential: A Case Study of Wijaya Kusuma and Sidomakmur Waste Banks in Metro City." Jurnal Indonesia Sosial Teknologi 5, no. 10 (2024): 4076–88. http://dx.doi.org/10.59141/jist.v5i10.5325.

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The volume of plastic waste in Metro City's landfill continues to rise, and by 2022, it is expected to reach capacity within two years. Waste banks are a crucial solution to reducing waste. This research aims to identify existing conditions, analyze the effectiveness of plastic waste reduction, assess the flow of waste materials, and measure the circular economy potential at the Wijaya Kusuma and Sidomakmur Waste Banks. Data were collected through interviews and observations and then analyzed using Material Flow Analysis (MFA), gap analysis, and descriptive analysis. The results show that the

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Liu, Yinxiu. "Potential Risks of Implementing Quantitative Easing Monetary Policy." Advances in Economics, Management and Political Sciences 66, no. 1 (2024): 121–27. http://dx.doi.org/10.54254/2754-1169/66/20241214.

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As a result of the global recession caused by the 2020 COVID-19 pandemic, many countries adopted unconventional monetary policies. In response to the phenomenon of hyperinflation, the implementation of quantitative easing policies became the solution for many central banks to stabilise inflation. This paper will discuss quantitative easing monetary policy, the unlimited expansion model of monetary policy in support of fiscal policy, and quantitative tightening monetary policy, using the measures implemented by the Federal Reserve and the European Central Bank in response to the COVID-19 epidem

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Katircioglu, S., S. Fethi, D. Unlucan, and I. Dalci. "Bank selection factors in the banking industry: An empirical investigation from potential customers in Northern Cyprus." Acta Oeconomica 61, no. 1 (2011): 77–89. http://dx.doi.org/10.1556/aoecon.61.2011.1.5.

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This study investigates the bank selection criteria of undergraduate students who are future potential customers of banks from different regions of the world in a small island economy by comparing the selection factors of international students for the first time. Survey results of 258 respondents show that there are not huge differences in the bank selection factors between Turkish and non-Turkish international students in the case of a state university in North Cyprus. “Availability and convenient location of ATM services” and “speed and quality of service” are the most important factors for

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Tripathi, Madhusoodan. "A COMPARATIVE STUDY OF ARYAVART BANK AND BARODA U.P. BANK." International Journal of Education, Modern Management, Applied Science & Social Science 06, no. 03(II) (2024): 53–61. http://dx.doi.org/10.62823/ijemmasss/6.3(ii).6890.

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Aryavart Bank (AB) and Baroda U.P. Bank (BUPB) both are regional rural bank operating in Uttar Pradesh (UP). AB was incorporated on 1st April 2019 and BUPB on 1st April 2020 under the provision of the RRBs Act,1976. AB spreads in 26 districts while BUPB in 31 districts of UP. Both want to develop the rural UP in better way through banking facilities. Both are shaping their commitments. It is proven in Programmes, Balance Sheets, and Annual Reports of banks. Both have to nurture much more according to potential of rural Uttar Pradesh.

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Rosemadi, Julia Farhana, and Dennis W. K. Khong. "Responsibility of Financial Institutions as Potential Intermediaries of Fraud and the Cheapest Cost Avoider Principle." Asian Journal of Law and Policy 3, no. 3 (2023): 159–66. http://dx.doi.org/10.33093/ajlp.2023.11.

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Generally, a bank may owe a duty of care towards its customers in a negligence claim. In a recent case of Koperasi Sahabat Amanah Ikhtiar Bhd v RHB Investment Bank Bhd, the Court of Appeal extended the duty of care of banks to non-customers. This new ruling has a significant impact on the bank to ensure that the bank will exercise reasonable skill and care in performing its duties to both customers and non-customers. The fact that a contractual relationship does not exist is not a bar to establish a duty of care in negligence claims. The principle of cheapest cost avoider is consistent with th

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Kadhim, Zahraa Yassin, and Mahdi atiyah Mohi. "Banking Crises and the Potential Use of (Camels) Model Indicators for Forecasting Them (An Empirical Study)." International Journal of Religion 5, no. 8 (2024): 624–33. http://dx.doi.org/10.61707/5we52k97.

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The research aims to highlight the importance of the (Camels) model in predicting banking crises, understanding the model's elements, and identifying banking crises, and their causes. The research assumed a positive impact on banks following early warning models to limit or reduce the risks of future banking crises that banks might face in the research sample. The research methodology relied on quarterly data extracted from the financial statements of the research sample banks for the period (2018-2022). These data were analyzed, and then the Vector Error Correction Model (VECM) was used to pr

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Mawutor, John Kwaku Mensah, and Eric Boachie Yiadom Mphil. "Corruption and Bank Failure in Ghana Corruption and Bank Failure in Ghana." Asian Journal of Finance & Accounting 11, no. 1 (2019): 64. http://dx.doi.org/10.5296/ajfa.v11i1.14179.

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The main objective of this paper is to fill a research gap by examining the relationship between corruption and possibility of bank failure in Ghana. To achieve this objective, the study examined the effect of corruption and bank failure in Ghana. The study finds that bank size, capital, economic well-being, corruption, and profitability are the main determinants of bank failure in Ghana. Specifically, although corruption increases banks' profitability in Ghana, it also has the potential of increasing their vulnerability to fail. This emanates from the fact that corrupt moneys are made for var

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van Deventer, Marko. "Bank identification and perceived bank brand personality: A gender comparison." Innovative Marketing 20, no. 2 (2024): 204–16. http://dx.doi.org/10.21511/im.20(2).2024.17.

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Understanding how gender impacts millennial retail banking customers’ bank identification, as well as their perceptions of bank brand personalities, is important, given that retail banks need to effectively segment their markets and develop targeted marketing campaigns to engage and retain millennial customers. The paper aimed to investigate the differences between millennial male and female banking customers in terms of their identification with their retail bank and the brand personalities they associate with their bank. The research utilized a self-executed survey, collecting data from a sa

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Sinelnikova-Muryleva, Elena V. "Central bank digital currencies: Potential risks and benefits." Voprosy Ekonomiki, no. 4 (April 13, 2020): 147–59. http://dx.doi.org/10.32609/0042-8736-2020-4-147-159.

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A growing activity has recently been watched in the sphere of central bank digital currencies (CBDC) creation, dictated by the desire of monetary authorities to increase the efficiency of payment systems and create an alternative to stablecoin projects like Libra. The paper discusses various types of CBCDs. Special attention is paid to potential risks and benefits associated with the emission of CBDCs, as well as their consequences for the banking sector and monetary policy. The first important issue associated with CBDC emission is the potential reduction of the role of the traditional bankin

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Putri, Nabila Rahmadani Kusuma, and Edy Yusuf Agung Gunanto. "Analysis of the determinants of Sharia Commercial Bank's Profitability for the Period of January 2015 – December 2020." EKONOMIKA SYARIAH : Journal of Economic Studies 6, no. 1 (2022): 18. http://dx.doi.org/10.30983/es.v6i1.5085.

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<p class="abstrak">Sharia Commercial Banks not only function as intermediary institutions that collect and distribute public funds. Currently, Sharia Commercial Banks is one milestone used by the government in increasing the potential of the developing sharia economy in Indonesia. This thing, of course, will make Sharia Commercial Banks must develop their performance to be better. To monitor the performance, the profitability ratio that is impacted by various factors is used. This study is conducted to know the impact of capital adequacy, liquidity, credit risks, and operational efficien

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Whitney, Michael M., and J. S. Allen. "Coastal Wind-Driven Circulation in the Vicinity of a Bank. Part I: Modeling Flow over Idealized Symmetric Banks." Journal of Physical Oceanography 39, no. 6 (2009): 1273–97. http://dx.doi.org/10.1175/2008jpo3966.1.

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Abstract This study examines how coastal banks influence wind-driven circulation along stratified continental shelves. Numerical experiments are conducted for idealized symmetric banks; the standard bank (200 km long and 50 km wide) has dimensions similar to the Heceta Bank complex along the Oregon shelf. Model runs are forced with 10 days of steady winds (0.1 Pa); upwelling and downwelling cases are compared. The bank introduces significant alongshelf variability in the currents and density fields. Upwelling-favorable winds create an upwelling front and a baroclinic jet (flowing opposite coas

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Alnaa, Samuel Erasmus, and Juabin Matey. "An assessment of the risk mitigating factors in Ghana’s Bank Industry." Financial Internet Quarterly 19, no. 3 (2023): 62–74. http://dx.doi.org/10.2478/fiqf-2023-0019.

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Abstract To maintain financial stability, banks need to recognize, assess, and mitigate potential losses, thus making risk control critical for long-term profitability as well as avoiding unexpected losses. This research examines the risk mitigating factors and performance of Ghanaian domestic banks in terms of capital adequacy, bank size, bank efficiency, and profitability, along with their association with systemic risk in the bank sector, as measured by the Z-score: Insolvency Risk - (µROA) plus capital asset ratio (equity capital divided by sum of all assets further divided by the standard

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Anielak-Sobczak, Karolina. "The potential of intellectual capital as a source of competitive advantage for banks using CART classification trees." Ekonomia i Prawo 22, no. 3 (2023): 423–46. http://dx.doi.org/10.12775/eip.2023.024.

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Motivation: Most of the available analyzes on building banks’ competitiveness were based on typical financial ratios. The challenge for every modern bank is not just understanding the meaning of intellectual capital, but defining its elements and determining measures that enable its effective management, leading to the improvement and maintenance of a strong competitive position. Empirical research concerning the competitiveness of banks in Poland is increasingly focused not only on efficiency and financial indicators but more often on emphasizing the significance of the components describing

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Husodo, Zaafri Ananto, Sigit Sulistyo Wibowo, Muhammad Budi Prasetyo, Usman Arief, and Maulana Harris Muhajir. "ESTIMATING A JOINT PROBABILITY OF DEFAULT INDEX FOR INDONESIAN BANKS: A COPULA APPROACH." Buletin Ekonomi Moneter dan Perbankan 23, no. 3 (2020): 389–412. http://dx.doi.org/10.21098/bemp.v23i3.1358.

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We develop a joint default probability index to signal potential systemic risks in the highly concentrated Indonesian banking industry. To build the index, we estimate bank-level tail risks using monthly bank financial reports. We use the copula approach to derive the joint multivariate dependencies at the bank level, as reflected in the monthly financial reports. Our results, which are based on a sample of 104 banks fromDecember 2003 to April 2020, show joint multivariate dependencies at the bank level suggesting that the standard univariate normal distribution is unsuitable for capturing tai

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Takele Bayiley, Yitbarek, and Mekdes Bulti. "The Interplay between Potential Capital Market Development and Bank Performance in an Emerging Economy Context: Do they Compete or Co-evolve?" African Journal of Business and Economic Research 17, no. 4 (2022): 211–31. http://dx.doi.org/10.31920/1750-4562/2022/v17n4a10.

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Recent theoretical arguments regarding financial institutions and capital market relationships signpost a paradigm shift from a superiority to interdependence. This study investigated the interplay between potential capital market development and bank performance in an emerging market context. To achieve its objective, the study used primary data collected through interviews with subject matter experts, consultants and seasoned leaders. The AHP and DEMATEL multi-criteria models were employed to establish a level of importance and interdependence relationships. AHP results in descending order i

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Kaczmarek, Patryk. "Central Bank Digital Currency: Scenarios of Implementation and Potential Consequences for Monetary System." Journal of Central Banking Theory and Practice 11, no. 3 (2022): 137–54. http://dx.doi.org/10.2478/jcbtp-2022-0027.

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Abstract Computerization of social life enabled market participants to search for new forms of electronic payments. The share of cash in total payments is systematically decreasing, which poses the risk of being supplanted by other instruments, including cryptocurrencies. Central banks, therefore, faced the challenge of adjusting their issuing activities to the current social and market conditions, which resulted in the emergence of the concept and discussion of the introduction of digital cash. The purpose of this paper is to examine the abovementioned issues and indication of potential scena

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