scholarly journals LENDING TO INDIVIDUALS BY COMMERCIAL BANKS IN KABARDINO-BALKAR REPUBLIC: CURRENT STATE

2017 ◽  
Vol 11 (5) ◽  
pp. 82-92 ◽  
Author(s):  
Мадина АЛИКАЕВА ◽  
Madina ALIKAEVA ◽  
Матвей Оборин ◽  
Matvey Oborin ◽  
Татьяна НАЛЧАДЖИ ◽  
...  
Keyword(s):  
Comparative Analysis ◽  
Interest Rates ◽  
Research Result ◽  
Marketing Research ◽  
Research Process ◽  
Information Support ◽  
Visual Interpretation ◽  
Loan Default ◽  
High Interest ◽  
Current State

Lending to individuals remains popular among residents of Russia, even in the financial crisis. The development of these types of banking services is c restrained by factors such as high risks of loan default, lack of effective credit management, weak credit infrastructure, lack of information support of banks, high interest rates. In these circumstances, there is a need to develop new approaches to lending to individuals by banks in promoting economic, political and social development of Kabardino-Balkar Republic. The article is aimed at investigation the current state and identifying trends in lending. In the research process the authors have investigated the current state of analyzed services and systematized data on the status and trends of the lending market in the Kabardino-Balkar Republic. The article presents results of a comparative analysis of features of lending to individuals by banks of the republic. As a research result, the authors have identified promising areas of lending and offered changes in the system of consumer crediting. The scientific works of domestic and foreign scientists in the field of financial, credit systems, economic analysis and marketing research were used in the research. The authors used such general scientific methods, as analysis, synthesis, analogy. The method of analytical groupings and comparative analysis were used to process bank statements. The graphical method were used for visual interpretation of the research results. As a result of the marketing study, the authors have revealed prefer-ences of consumers of Kabardino-Balkar Republic in the field of lending, as well as the factors affecting the choice of bank. The results of the study can be used by banks in Kabardino-Balkaria to improve activities in the field of lending to individuals. The authors have also discovered the most popular types of loans in residents of Kabardino-Balkaria. high interest rates, long procedure of loans, lack of risk insurance are the main reasons that reduce the de-mand for loans.

Data Quality Assurance Begins Before Data Collection and Never Ends: What Marketing Researchers Absolutely Need to Remember

2021 ◽  
pp. 147078532110521
Author(s):  
Zachary Moore ◽  
Dana E. Harrison ◽  
Joe Hair
Keyword(s):  
Data Collection ◽  
Data Quality ◽  
Marketing Research ◽  
Research Integrity ◽  
Research Process ◽  
Data Types ◽  
High Quality Research ◽  
Current State ◽  
Marketing Data ◽  
Collection Practices

Data quality has become an area of increasing concern in marketing research. Methods of collecting data, types of data analyzed, and data analytics techniques have changed substantially in recent years. It is important, therefore, to examine the current state of marketing research, and particularly self-administered questionnaires. This paper provides researchers important advice and rules of thumb for crafting high quality research in light of the contemporary changes occuring in modern marketing data collection practices. This is accomplished by a proposed six-step research design process that ensures data quality, and ultimately research integrity, are established and maintained throughout the research process—from the earliest conceptualization and design phases, through data collection, and ultimately the reporting of results. This paper provides a framework, which if followed, will result in reduced headaches for researchers and more robust results for decision makers.

Lack of Credit in Albania; Who is to “Blame” Analyzing the Demand

2015 ◽  
Vol 3 (1) ◽  
pp. 122
Author(s):  
Eugen Musta ◽  
Elvin Meka
Keyword(s):  
Interest Rates ◽  
Small Sample ◽  
Economic Situation ◽  
Demand Side ◽  
Working Capital ◽  
Global Crisis ◽  
High Interest ◽  
Future Perceptions ◽  
Economic Slowdown ◽  
To Come

The last global crisis had it influence on Albanian economy as well. As the economy is still struggling to recover from the slowdown, a special attention is dedicated to lending which will in turn help investments pick up. Banks in Albania are currently flooding in excess deposits, but meanwhile the lending has hit its lowest score. What is refraining banks from lending? Is it really them to blame or maybe the demand is also part of the problem? Are businesses suffering from lack of funds to finance their activity or are they hesitating to invest and are waiting for better times to come along? The purpose of this study is to look into these questions and find the reasons behind them. This paper is focused on the demand side, analyzing some of the most important indicators influencing the demand for credit like enterprises growth, profits, planned investments, working capital needs, liquidity, etc. In order to get better understanding on the behavior of these variables the enterprises are divided in four groups by size criteria. The analysis is covering data for five-year timeframe, which is corresponding with the start of the economic slowdown. To help getting a prospect of the present and the future perceptions of the economic situation, a survey was conducted on a small sample of enterprises. This study comes to the conclusion that the demand for credit is growing, but what’s keeping businesses from applying for it, is mainly because of high interest rates and cost of credit, the study ends with some recommendations toward the solution.

Advisory in Ukraine: history, achievements, prospects

2020 ◽  
Author(s):  
V. Verhunov ◽  
О. Bielova
Keyword(s):  
Agricultural Education ◽  
Historical Analysis ◽  
Information Support ◽  
Industrial Complex ◽  
Advisory Services ◽  
Agricultural Knowledge ◽  
Current State ◽  
Teachers And Students ◽  
Science And Education ◽  
The Government

The current state and problems of agricultural advisory organization in Ukraine on the basis of historical analysis of the evolution of the formation and development of agricultural knowledge and information in the world and in modern Ukraine, the involvement of peasants in the active use of innovative solutions in agricultural production, storage and processing of agricultural products was highlighted. The basic principles of the organization of agricultural advisory activity, features of interaction of advisory services with agrarian business, the government, a science and education were formulated. Forms of scientific-consulting and information support of the processes of transfer of innovative technologies in agro-industrial production were given. Ways to improve the organization of agricultural advisory activities in Ukraine using the potential of the National Academy of Agrarian Sciences of Ukraine were proposed. The edition is recommended for specialists of agricultural advisory services, scientists, teachers and students of agricultural education institutions, participants of the system of training and retraining of personnel of the agro-industrial complex of Ukraine.

A Comparative Study on the Noise between Floors of Apartment and Multiplex Housing

2015 ◽  
Vol 752-753 ◽  
pp. 1232-1235
Author(s):  
Ji Hun Kim ◽  
Yoon Seok Shin
Keyword(s):  
Comparative Analysis ◽  
Comparative Study ◽  
Field Measurements ◽  
Apartment Building ◽  
Noise And Vibration ◽  
Korean Government ◽  
Current State ◽  
The Future ◽  
House Type ◽  
Almost All

Since recently almost all housing built in Korean have shared walls and floor, diverse problems are unavoidable including noise between floor arising from noise and vibration. Many efforts have been made by the Korean government, but the number of complaints related with the noise between floors has been gradually increasing. Therefore, through the field measurements by house type, the current state of noise was understood. To do this, the noise between floors was measured in an apartment household and a multiplex house to perform a comparative analysis. As the result, the differences in the noise between the two house types were clarified. The findings of this research are expected to contribute to reduction of the noise between floors in an apartment building in the future.

The problems facing agricultural sector in Zanzibar and the prospects of Waqf-Muzar’ah-supply chain model

Humanomics ◽  
2017 ◽  
Vol 33 (2) ◽  
pp. 189-210 ◽  
Author(s):  
Issa Salim Moh’d ◽  
Mustafa Omar Mohammed ◽  
Buerhan Saiti
Keyword(s):  
Supply Chain ◽  
Interest Rates ◽  
Financial Models ◽  
Agricultural Sector ◽  
Chain Model ◽  
Content Type ◽  
High Interest ◽  
Supply Chain Model ◽  
The Government ◽  
Clove Industry

Purpose This paper aims to identify the appropriate model to address the financial challenges in agricultural sector in Zanzibar. Since the middle of 1960, clove production has continually and significantly decreased because of some problems and challenges that include financial ones. The financial intermediaries such as banks, cooperatives and micro-enterprises provide micro-financing to the farmers with high interest rates along with collateral requirements. The numerous programmes, measures and policies adopted by the relevant parties to find out the solutions to the dwindling clove production have failed. Design/methodology/approach The authors will review and examine several existing financial models, identify the issues and challenges of the current financial models and propose an appropriate Islamic financing model. Findings The numerous programmes, measures and policies adopted by the relevant parties to find out the solutions to the dwindling clove production have failed. This study, therefore, proposed a Waqf-Muzara’ah-supply chain model to address the financial challenge. Partnership arrangement is also suggested in the model to mitigate the issues of high interest rates and collateral that constrains the financial ability of the farmers and their agricultural output. Originality/value The contribution of the agricultural sector to the economic development of Zanzibar Islands is considerable. As one of the important agricultural sectors, the clove industry was the economic backbone of the government of Zanzibar. This study is believed to be a pioneering work; hence, it is the first study that investigates empirically the challenges facing the clove industry in Zanzibar.

scholarly journals On high interest rates in Brazil

2014 ◽  
Vol 34 (1) ◽  
pp. 03-14 ◽  
Author(s):  
Francisco Lafaiete Lopes
Keyword(s):  
Interest Rates ◽  
High Interest

scholarly journals The Development of Distance Education Systems in Turkey, the Russian Federation and Saudi Arabia

2015 ◽  
Vol 18 (2) ◽  
pp. 112-128 ◽  
Author(s):  
Olaf Zawacki-Richter ◽  
Yasar Kondakci ◽  
Svenja Bedenlier ◽  
Uthman Alturki ◽  
Ahmed Aldraiweesh ◽  
...  
Keyword(s):  
Higher Education ◽  
Distance Education ◽  
Saudi Arabia ◽  
Education Research ◽  
Comparative Analysis ◽  
Russian Federation ◽  
Historical Perspective ◽  
Education Systems ◽  
Current State ◽  
The Russian Federation

Abstract In many countries, open and distance education is perceived as a way to meet the growing need for higher education. This paper explores the development of online and distance education in three countries that are still a white spot on the landscape of international distance education research although they have implemented elaborated distance education systems: Turkey, Russia and Saudi-Arabia. In order to understand the current state of distance education systems in the three countries, their respective systems are described from a historical perspective, compared in regard to their organization, important institutions for open and distance education and current developments. This comparative analysis directs the focus on little investigated education systems and contributes to an enhanced understanding of their past, present, and future.

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