scholarly journals Information Risk in Financial Institutions: Field Study and Research Roadmap

2008 ◽  
pp. 165-180 ◽  
Author(s):  
Sara Sinclair ◽  
Sean W. Smith ◽  
Stephanie Trudeau ◽  
M. Eric Johnson ◽  
Anthony Portera
Keyword(s):  
Field Study ◽  
Financial Institutions ◽  
Information Risk

scholarly journals Pembiayaan Sistem Bagi Hasil Lembaga Keuangan Syariah pada Usaha Mikro Kecil dan Menengah (UMKM) di Kabupaten Jember

2019 ◽  
Vol 18 (1) ◽  
pp. 39
Author(s):  
Mohammad Dio Awaludin Jauhar ◽  
Ahmad Roziq
Keyword(s):  
Qualitative Research ◽  
Human Resources ◽  
Field Study ◽  
Financial Institutions ◽  
Public Awareness ◽  
Research Data ◽  
Financial Statement ◽  
Financing System ◽  
Business Partners ◽  
Islamic Financial Institutions

This study aims to know the implementation of “pembiayaan bagi hasil” conducted by the islamic financial institutions including the type of financing given outcomes, the problems during the implementation from the islamic financial instituitons and partners view. This study is a qualitative research with multi-case studies approach, the research examines two or more subjects, background, or storage of research data. Stages of research conducted field study/survey is used to find the problem of financing system in Islamic Financial Institutions and their partners. The result shows that overall of seven islamic financial institutions have “pembiayaan bagi hasil” and Musyarakah financing as one of their products in providing services to their business partners. But it its implementation, there are three main problems, they are  the lack of financial statement reports, the side streams, and asymetry of information. From the problem, researches gives some solutions, the first is the partner need a mentoring about financial statement report periodically, raise public awareness about honesty culture, and improve the quality and quantity of human resources on islamic financial institutions. Keyword: Profit Loss Sharing, Islamic Financial Institutions, SMEs

Consultancy Services for Small Scale Sick Units

1998 ◽  
Vol 23 (2) ◽  
pp. 69-76
Author(s):  
M S Chhikara
Keyword(s):  
Field Study ◽  
Financial Institutions ◽  
Industrial Sector ◽  
Economic Benefits ◽  
Small Scale ◽  
Private Firms ◽  
Small Industry ◽  
Healthy Growth

Development of small scale industrial sector and providing multiple socio-economic benefits is one of the priorities of Indian planning. Though a number of measures were introduced to sustain healthy growth of this sector⁄ a significant k -portion of small scale units have started Ming sick. Consultants from various technical consultancy organizations⁄ small industry service institutes⁄ and private firms do play a major role in preventing and curing sickness. Based on a field study of 20 problematic units⁄this paper by Chhikara evalu ates certain important aspects of the consulting profession such as hiring consultants and utilizing their services; in volvement and commitment of promoters; the role of financial institutions and banks; overall impact of consultancy services; major gaps and limitations⁄ and additional requirements needed for making consultancy services more result-oriented.

scholarly journals The Effects of the Financing Facilitation Act after the Global Financial Crisis: Has the Easing of Repayment Conditions Revived Underperforming Firms?

2019 ◽  
Vol 12 (2) ◽  
pp. 63 ◽  
Author(s):  
Nobuyoshi Yamori
Keyword(s):  
Financial Crisis ◽  
Moral Hazard ◽  
Interest Rates ◽  
Field Study ◽  
Financial Institutions ◽  
Global Financial Crisis ◽  
Japanese Government ◽  
The Global Financial Crisis ◽  
Underperforming Firms ◽  
Research Institute

After the global financial crisis, the Japanese government enacted the Financing Facilitation Act in 2009 to help small and medium-sized enterprises (SMEs) that had fallen into unprofitable conditions. Under this law, when troubled debtors asked financial institutions to ease repayment conditions (e.g., extend repayment periods or bring down interest rates), the institution would have the obligation to meet such needs as best as possible. Afterward, the changing of loan conditions began to be utilized often in Japan as a means for supporting underperforming companies. Although many countries employed various countermeasures against the global financial crisis, the Financing Facilitation Act was unique to Japan. However, there is criticism that it did not become an opportunity for companies to substantially reform their businesses, and that there was a moral hazard on the company’s side. This paper analyses whether the easing of repayment conditions revived underperforming firms and who were likely to recover, by using the “Financial Field Study After the End of the Financing Facilitation Act”, carried out by the Research Institute of Economy, Trade and Industry (RIETI) in Oct 2014. We found that the act was successful in that about 60% of companies whose loan conditions were changed recovered their performance after the loan condition changed, and the attitude that financial institutions had towards support was an important factor in whether performance recovered or not. In sum, the act might be effectual when financial institutions properly support firms, although previous studies tend to emphasize its problems.

scholarly journals COMPORTAMIENTO DEL RÉCORD CREDITICIO EN INSTITUCIONES FINANCIERAS EN ÉPOCA DE COVID19

2021 ◽  
Vol 14 (23) ◽  
pp. 152
Author(s):  
Jorge Luís Chafla Grada ◽  
María Auxiliadora Falconi Tello ◽  
Gustavo Miguel Cabezas Paltán
Keyword(s):  
Field Study ◽  
Financial Institutions ◽  
Cross Sectional ◽  
Cross Sectional Analysis ◽  
Credit History ◽  
Credit Bureau ◽  
Mixed Approach ◽  
Sectional Analysis ◽  
The City

Este artículo aborda el análisis del récord crediticio y su importancia de mantenerlo en excelentes condiciones en época de pandemia por efecto del Covid19.  El estudio tiene un enfoque mixto, mediante análisis descriptivo y transversal, con base en un estudio de campo efectuado a una muestra de 250 personas como clientes de las más importantes instituciones financieras de la ciudad de Riobamba (Chimborazo - Ecuador), para exponer y ejemplificar los resultados del diagnóstico, apoyado en revisión bibliográfica-documental.   Los resultados revelan que el 74% de los encuestados conocen su récord crediticio, la falta de pago de sus obligaciones en época de pandemia afectarán su historial crediticio pues el 82% lo afirman y el 70% de los encuestados confirman que es importante tener un excelente récord crediticio.  Se concluye por tanto que es importante disponer de un excelente récord e historial crediticio en las entidades financieras y comerciales, si se desea obtener futuros beneficios crediticios, para sus actividades empresariales y personales.Palabras clave: Récord crediticio, central de riesgos, buró de crédito, créditos, covid19, pandemia. AbstractThis article addresses the analysis of the credit record and its importance of keeping it in excellent condition in times of a pandemic due to Covid19. The study has a mixed approach, through descriptive and cross-sectional analysis, based on a field study carried out on a sample of 250 people as clients of the most important financial institutions in the city of Riobamba (Chimborazo - Ecuador), to expose and exemplify the results of the diagnosis, supported by bibliographic-documentary review. The results reveal that 74% of respondents know their credit record, failure to pay their obligations in times of a pandemic will affect their credit history as 82% affirm it and 70% of respondents confirm that it is important to have an excellent credit record. It is therefore concluded that it is important to have an excellent record and credit history in financial and commercial entities, if you want to obtain future credit benefits for your business and personal activities.Key word:  Credit record, risk center, credit bureau, credits, covid19, pandemic

Investigating the Unified Motive Scales

2020 ◽  
pp. 1-5
Author(s):  
Martin Bettschart ◽  
Marcel Herrmann ◽  
Benjamin M. Wolf ◽  
Veronika Brandstätter
Keyword(s):  
Field Study ◽  
Predictive Validity ◽  
Selection Process ◽  
Police Department ◽  
Longitudinal Field ◽  
Explicit Motives ◽  
Achievement Motive

Abstract. Explicit motives are well-studied in the field of personality and motivation psychology. However, the statistical overlap of different explicit motive measures is only moderate. As a consequence, the Unified Motive Scales (UMS; Schönbrodt & Gerstenberg, 2012 ) were developed to improve the measurement of explicit motives. The present longitudinal field study examined the predictive validity of the UMS achievement motive subscale. Applicants of a police department ( n = 168, Mage = 25.11, 53 females and 115 males) completed the UMS and their performance in the selection process was assessed. As expected, UMS achievement predicted success in the selection process. The findings provide first evidence for the predictive validity of UMS achievement in an applied setting.

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