scholarly journals The Influence Of Operational Cost On The Bank’s Profitability And The Welfare Of Its Clients: A Theoretical Approach

2011 ◽  
Vol 21 (1) ◽  
Author(s):  
Erotokritos Varelas ◽  
Koni Karpeti
Keyword(s):  
Interest Rates ◽  
Theoretical Approach ◽  
Optimal Level ◽  
Operational Cost ◽  
Deposit Rate ◽  
Time Deposits ◽  
Time Deposit ◽  
Lending Rate ◽  
The Way

This paper deals with the way the rate of operational cost, as a proportion of time deposits, affects the optimal level of a monopolistic bank’s profits as well as the utility of its clients. In particular we prove that the optimal level of banking profits is negatively related to the rate of operational cost, while changes of the latter affect negatively the time deposit rate and positively the lending rate. As a result of these changes in interest rates, the utility of both borrowers and depositors is proved diminished.

PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (Studi Pada Bank Swasta Nasional dan Bank Persero yang Terdaftar di Bursa Efek Indonesia Periode 2010-2014)

2016 ◽  
Vol 13 (2) ◽  
pp. 131
Author(s):  
Hashifah Nabilah ◽  
Wisnu Mawardi
Keyword(s):  
Interest Rates ◽  
Stock Exchange ◽  
Implementation Process ◽  
The Other ◽  
Third Party ◽  
Reserve Requirements ◽  
Time Deposits ◽  
Lending Rate ◽  
Bank Funding ◽  
The Cost

Base lending rate is the implementation process of the management of bank funding. Inbanking industry which more competitive, banks are required to offer a low base lendingrate. On the other hand, the banks had no motivation to maximize revenue. This study isaimed to analyze the effect of reserve requirements, deposit interest rates, third partyfunds and cost of loanable funds to the base lending rate.The samples used in this study are 14 private national banks and state-owned banks listedon the Indonesia Stock Exchange in 2010-2014. The method of this research is usingmultiple regression model with IBM SPSS Statistics 22 program to analyze the effect ofindependent variables to the dependent variable.The result shows that the deposit interest rate and the cost of the loanable funds havepositive and significant effect to the base lending rate. However, reserve requirementsand third party funds does not affect to base lending rate. These results proved that highinterest rates on time deposits are the bank's strategy to increase market share of timedeposits which is bank's largest sources of funding and the component that has thebiggest influence on BLR is COLF amounted to 33.79% of the components that formBLR.

scholarly journals Redefining Doctrine Concepts in Modern Military Actions

2018 ◽  
Vol 23 (1) ◽  
pp. 25-33
Author(s):  
Mihai-Marcel Neag
Keyword(s):  
National Security ◽  
Theoretical Approach ◽  
Reference Point ◽  
Technological Development ◽  
The State ◽  
The Future ◽  
National Power ◽  
Mosaic Approach ◽  
The Way

Abstract The mosaic approach to conflict requires redefinition of some doctrinal concepts that can influence the way in which the response to the risks and threats to the state of security, the future of military actions and the acceptance that the technological development will be a factor for the success of the wars future. The issues addressed could be important elements in the architecture of a possible future strategic concept of integrated use of the basic elements of national power - diplomatic, informational, military and economic. At the same time, the results of this theoretical approach can contribute, as a reference point, to proposing viable and innovative doctrinal and operational solutions to counteract aggressions to national security, regardless of their nature or origin.

scholarly journals Interest Rates and Foreign Investor Activity in Kenya: Evidence from Nairobi Securities Exchange

2020 ◽  
pp. 75-82
Author(s):  
Loice Koskei
Keyword(s):  
Interest Rates ◽  
Inflation Rate ◽  
Time Series Data ◽  
Multiple Regression Model ◽  
Series Data ◽  
Foreign Investor ◽  
National Bureau ◽  
Treasury Bills ◽  
Monthly Data ◽  
Deposit Rate

Interest rates play a key role in attracting foreign investor activity in the country. This study investigated the effect of interest rates on foreign investor activity at Nairobi Securities Exchange in Kenya. Monthly data was collected from Nairobi Securities Exchange, Central Bank of Kenya and Kenya National Bureau of Statistics. Time series data for eleven year period spanning from January 2009 to December 2019 was used.  The multiple regression model results disclosed that interest rates as measured by lending rate had a positive and statistically significant effect on foreign investor. Inflation rate results had a negatively but statistically significant effect on foreign investor. The results for exchange rate had a negative but statistically insignificant effect on foreign investor activity. The deposit rate results indicated a negative and statistically significant effect on foreign investor activity implying that commercial banks deposit rate has an effect on foreign investor activity. The results for 91-day treasury bills specified a positive and non-statistically insignificant relationship with foreign investor activity pointing that for 91- day treasury bills do not affect the foreign investor activity at Nairobi securities exchange in Kenya.

scholarly journals SKALA USAHA MINIMUM PADA USAHATANI TEMBAKAU (Nicotiana tabacum) KABUPATEN REJANG LEBONG

2006 ◽  
Vol 3 (1) ◽  
pp. 41-52
Author(s):  
Satria Putra Utama ◽  
Andi Irawan ◽  
Butmen Marito H
Keyword(s):  
Nicotiana Tabacum ◽  
Influencing Factors ◽  
Farming System ◽  
Optimal Level ◽  
Tobacco Production ◽  
Farmer Behavior ◽  
Break Even Point ◽  
Area X ◽  
The Way

Tobacco  was one of   priority  commodity  in Rejang  Lebong  district  to develop,  its supported  by suitable micro climate and farmer behavior so long. The research  were objected  to analyze the influencing factors on produdion  and minimum  economic scale of tobacco  farming system  at Rejang Lebong District. These tried to answer thorugh the cob-douglas  and break even point  analyses. The research  showed  that area  (x 1),  TSP fertilizer  (x3),  ZA  fertlizer  (x4)  significantly  influence  to  tobacco  production.   Minimum economic  scale of tobacco  farming system  around  0.07 ha but farmers  scale  about  0.49 ha. It meaned that farmet tobacco were already in comerdal/economic   scale. Improving  the prcxluction  could be attained thorugh  extensification  and intesification  . extensification  in the way of extended  the  croping  area, while intesification  by improving  fertilizers  of TSP and ZA  to optimal  level  of usage.  others  factors  should  be another  farmer  focus to increas  prcxluction such  quality of seed,  integrated  and environmental  pestici~e and so forth. Keywords:  Minimum economic scale, farming system, tobacco 

Symmetric and asymmetric adjustment of bank deposit interest rates: empirical evidence from Kenya

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Moses Nzuki Nyangu ◽  
Freshia Wangari Waweru ◽  
Nyankomo Marwa
Keyword(s):  
Monetary Policy ◽  
Interest Rate ◽  
Interest Rates ◽  
Asymmetric Adjustment ◽  
Deposit Rate ◽  
Content Type ◽  
Long Run ◽  
Adjustment Speed ◽  
Short Run ◽  
Pass Through

PurposeThis paper examines the sluggish adjustment of deposit interest rate categories with response to policy rate changes in a developing economy.Design/methodology/approachSymmetric and asymmetric error correction models (ECMs) are employed to test the pass-through effect and adjustment speed of deposit rates when above or below their equilibrium levels.FindingsThe findings reveal an incomplete pass-through effect in both the short run and long run while mixed results of symmetric and asymmetric adjustment speed across the different deposit rate categories are observed. Collusive pricing arrangement behavior is supported by deposit rate categories that adjust more rigidly upwards than downwards, while negative customer reaction behavior is supported by deposit rate categories that adjust more rigidly downwards than upwards.Practical implicationsEven though the findings indicate an aspect of increased responsiveness over the period, the sluggish adjustment of deposit rates imply that monetary policy is still ineffective and not uniform across the different deposit rate categories.Originality/valueTo the best of the authors' knowledge, this is the first study to empirically examine both symmetric and asymmetric adjustment behavior of deposit interest rate categories in Kenya. The findings are key to policy makers as they provide insights on how long it takes to adjust different deposit rate categories to monetary policy decisions. In addition, the behavior of deposit rates partly explains why interest rates capping was imposed in Kenya in 2016.

The relationships between time deposit rates, real rates, inflation and risk premium

2020 ◽  
Vol 11 (5) ◽  
pp. 1033-1053
Author(s):  
Siew-Peng Lee ◽  
Mansor Isa ◽  
Noor Azryani Auzairy
Keyword(s):  
Interest Rates ◽  
Risk Premium ◽  
Banking System ◽  
Islamic Banks ◽  
Content Type ◽  
The Real ◽  
Explanatory Variables ◽  
Time Deposit ◽  
Causality Tests ◽  
Conventional And Islamic Banks

Purpose The purpose of this paper is to investigate the influence of the real interest rates, inflation and risk premium on the time deposit rates of banks in the dual banking system in Malaysia. Design/methodology/approach The data consists of 1-, 6- and 12-month average time deposit rates of conventional and Islamic banks over the period of January 2000 to June 2017. The cointegration methodologies are used to explore links between the time deposit rates, real rates, inflation and risk premium. The causality tests to test causality linkages between pairs of variables are also applied. The generalised forecast error variance decomposition based on the error correction model is conducted to analyse the impact of variables variation on the deposit rates. Findings The results show the presence of two cointegration vectors in the deposit rates, real rates, inflation and risk premium, for both conventional and Islamic bank rates. Causality tests reveal that deposit rates are caused by inflation and risk premium in a one-way causality. The results of variance decomposition highlight the importance of inflation and risk premium in explaining the variations in the bank deposit rates. For the conventional bank, inflation shocks play the most important role in explaining the movements of the deposit rates. In Islamic banks, the major determinant’s largest influence is the risk premium. Between the two bank rates, Islamic bank rates receive more influence from the explanatory variables in the long-run compared to conventional bank rates. The real rates have no noticeable effect on the variance of time deposit rates for both banks. Originality/value This study presents new evidence on the relationship between time deposit rates and the three explanatory variables, which are the real interest rates, inflation and risk premium, for both conventional and Islamic banks in Malaysia. The dual banking system allows exploring the similarities and differences between conventional and Islamic banks in Malaysia in terms of the linkages between the variables.

Theoretical Context of Cybercrime

2021 ◽  
pp. 174-191
Author(s):  
Tansif Ur Rehman
Keyword(s):  
Social Science ◽  
Theoretical Approach ◽  
Social Science Research ◽  
Science Research ◽  
The Internet ◽  
Innovative Development ◽  
Social Facts ◽  
Social Theories ◽  
The World ◽  
The Way

The internet is conceivably today's most innovative development as it proceeds to change everyday life for almost everyone globally. Billions of individuals are using the internet, and thousands enter the online world each day. Not merely has the internet revolutionized the way people connect and learn; it has eternally changed the way people live across the globe. As the internet and computer advances, offenders have originated ways to utilize these innovations as intended for their criminal acts. In social science research, social theories are of great significance. Without a theoretical direction, social facts are like a snuffed-out candle that cannot determine its bearer's path. Social theories contribute to the development of sound scientific foundations for resolving issues in any social inquiry. Theories guide our observations of the world. Digital technology has an impact and has numerous challenges. The respective work has its significance in helping and exploring this dilemma via a multifaceted theoretical approach.

Paradox in Everyday Practice

2017 ◽  
Author(s):  
Jane Lê ◽  
Rebecca Bednarek
Keyword(s):  
Social Construction ◽  
Theoretical Approach ◽  
Research Agenda ◽  
Everyday Practice ◽  
Future Research ◽  
Theoretical Principle ◽  
Everyday Activity ◽  
Practice Turn ◽  
The Way

This chapter explores the shared ontological basis of the paradox and practices perspectives to advance the emerging “practice turn” in paradox. The authors outline the practice-theoretical approach to studying paradox by articulating four main principles that define its research agenda. These principles are social construction, everyday activity, consequentiality, and relationality. They describe each theoretical principle, explain its implications for the way paradox is understood and studied, and illustrate it with an example of existing work. Finally, they use these principles to reflect on the potential of a practice-based view of paradox, highlighting avenues for future research. Herein the authors review, integrate, and develop a foundation for practice-based studies of paradox.

Exploring an Institutionalist and Post-Desert Theoretical Approach to Multiple-Offense Sentencing

2017 ◽  
Author(s):  
Anthony Bottoms
Keyword(s):  
Empirical Research ◽  
Theoretical Approach ◽  
Theoretical Framework ◽  
The Way

This chapter begins with a discussion of Neil MacCormick’s institutionalist approach to legal phenomena, and argues that this theoretical framework has value as a way to study multiple offense sentencing (MOS). The most thorough completed empirical research into MOS, by Austin Lovegrove in Victoria, Australia, is then considered, alongside the leading Victorian case of Azzopardi v. R. Congruently with the expectations of institutionalism, this analysis uncovers several separate normative principles used by judges in MOS practice. These results are discussed through the lens of what can be described as “post-desert theory.” Overall, the analyses in the chapter are intended to pave the way for the development of a more coherent answer to the question: “what principles should optimally guide sentencers when dealing with cases involving multiple offenses?”

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