scholarly journals Funding Modalities for Timber Housing in Brazil

2019 ◽  
Vol 15 (1) ◽  
pp. 35-45
Author(s):  
Victor de Araujo ◽  
Francisco de Araujo ◽  
Maristela Gava ◽  
José Garcia
Keyword(s):  
Raw Materials ◽  
Economic Value ◽  
Construction Materials ◽  
Survey Method ◽  
Public And Private ◽  
Face To Face ◽  
Credit Lines ◽  
Financial Options ◽  
Private Banks ◽  
Public Banks

Abstract This paper investigated the existence and participation of public and private real estate credit lines for timber house funding in Brazil. The analysis was completed through face-to-face interviews with Brazilian timber housing producers. Semi-structured questionnaires were applied in this survey method to obtain a sectorial approach of the industry. Accesses to full financing for timber housing and credit for the acquisition of construction materials were the main two issues studied. About 107 producers were fully evaluated from all sectors. Half of the studied companies offer full housing finance and, simultaneously, most loans still come from private banks. Credit directed to raw materials emerges as the most common method of accessing funding for timber-based construction despite the lower economic value of this form of credit compared to other, more complete financial options. Public banks disseminate partial credit more frequently because of lower rates and lower restrictions, such as the absence of insurance requirements against risks from these construction ventures. Full funding proliferation will stimulate this market.

scholarly journals Bank Selection Criteria and Performance of Public and Private Banks of Sri Lanka: A Comparative Study

2020 ◽  
Vol 2 (2) ◽  
pp. 197-215
Author(s):  
M. S. Nilam
Keyword(s):  
Sri Lanka ◽  
Foreign Banks ◽  
Competitive Environment ◽  
Sri Lankan ◽  
Technological Advancement ◽  
Public And Private ◽  
Financial Deregulation ◽  
Private Banks ◽  
And Performance ◽  
Public Banks

Financial deregulation and technological advancement have led the sri lankan banking industry to highly competitive environment. In sri lanka, the competition is not only among the local banks, but also from foreign banks. To stay competitive and strong, a bank’s customer retention is crucial. In this context banking institutions would like to know how the customers select their bank and how they perceive the performance of banks in such competitive environment. The researcher selected sample of 468 banking customers from public and private banks of sri lanka. Responses were analyzed and presented through descriptive, correlation and regression analysis. The findings showed that the security and service quality were the two most crucial factors when selecting a bank in sri lanka. Significant gender and education level factors in bank selection were observed. Study concludes that sri lankan private banks perform better on those factors than the public banks in sri lanka.

Ownership structure and auditor selection

2020 ◽  
Vol 35 (8) ◽  
pp. 1121-1142
Author(s):  
Curtis M. Hall ◽  
Benjamin W. Hoffman ◽  
Zenghui Liu
Keyword(s):  
Ownership Structure ◽  
Banking Industry ◽  
Audit Fees ◽  
High Quality ◽  
Public And Private ◽  
Content Type ◽  
Industry Expert ◽  
Big 4 ◽  
Private Banks ◽  
Public Banks

Purpose This paper aims to investigate the effect that ownership structure (public vs private) has on the demand for high-quality auditors, specifically in the US banking industry. Design/methodology/approach The authors predict that public banks are more likely to hire a high-quality auditor than private banks and pay a higher audit fee premium for that high-quality auditor (due to higher agency costs, more demand for financial information and higher litigation risk). The authors analyze 2008–2014 banking data from the Federal Reserve using probit and OLS regression analysis to examine if there is a higher probability that public banks choose higher quality auditors and pay higher audit fees when they do so. Findings The results show that private banks are less likely to hire Big 4 auditors and industry-expert auditors than public banks. The authors also find that both private and public banks pay higher audit fees for Big 4 and industry-expert auditors, and that public banks pay a higher premium for Big 4 auditors and industry experts than private banks. Research limitations/implications The findings may not be fully generalizable to other types of firms, as banking is a heavily regulated and complex industry. However, inferences from this study may be generalizable to other similar industries such as insurance or health care. Practical implications The results of this paper imply that public and private banks have differing priorities when hiring their financial statement auditor. This may be of interest to investors and auditing regulators. Social implications The findings of this paper underscore the value of hiring an industry-expert auditor in an industry that is highly complex and regulated. This may be of interest to managers and policymakers. Originality/value Due to data restrictions, the emphasis of prior literature on the banking industry has been on public banks. This study is the first to analyze the differences between public and private banks’ demand for audit services.

scholarly journals Socioeconomic development of Brazilian municipalities: The role of public and private banks

2021 ◽  
Vol 38 (77) ◽  
pp. 147-185
Author(s):  
Greisson Almeida Pereira ◽  
Emilson Caputo Delfino Silva
Keyword(s):  
Socioeconomic Development ◽  
Social Role ◽  
Public And Private ◽  
Great Probability ◽  
Private Banks ◽  
Physical Presence ◽  
Public Banks ◽  
High Level ◽  
The Impact

The economic literature has discussed the role of public banks regarding their performance as drivers of socioeconomic development, highlighting their social role when compared to private banks. This paper contributes to this discussion and analyzes the impact of the physical presence of public and private commercial banks on the Firjan Index of Municipal Development (FMDI) of Brazilian municipalities. The results of a logit panel model show that public banks have greater impact on the FMDI rather than private banks, taking into account where the municipality is located and the externalities caused by the neighboring municipality. There is great probability of a municipality being in a high level of development if it has the physical presence of commercial public banks.

scholarly journals INVENTARISASI JENIS-JENIS MAKROALGA DI PANTAI LHOK BUBON KECAMATAN SAMATIGA KABUPATEN ACEH BARAT

2018 ◽  
Vol 5 (1) ◽  
pp. 93
Author(s):  
Sufal Diansyah ◽  
Ika Kusumawati ◽  
Fandi Hardinata
Keyword(s):  
Coastal Waters ◽  
Raw Materials ◽  
Economic Value ◽  
Survey Method ◽  
Marine Biota ◽  
Caulerpa Racemosa ◽  
Ecological Benefits ◽  
Marine Life ◽  
Asparagopsis Taxiformis ◽  
As Species

Indonesia has tropical marine waters rich in biodiversity. One of the organisms living in Indonesian coastal waters is macroalgae. Algae is one of the marine natural resources of economic value and has an ecological role as a high producer in the food chain and spawning place of marine biota. types of macroalgae have many benefits, ecologically and economically for the community. The ecological benefits of macroalgae are to provide habitat for several types of marine life such as species of crustaceans, mollusca, echinoderms, fish or other small algae. The economic value of macroalgae can be used as food, industrial raw materials, and materials for laboratories such as wet preserved materials, media materials for bacterial and fungal breeding to produce antibiotics, and there are also macroalgal types used as medicines. This study aims to identify and inventory the types of macroalgae in Lhok Bubon waters. The research method used is survey method, by identifying macroalga and inventory of macroalga contained in research location. The results of identification of macroalgae in Lhok Bubon waters are Caulerpa racemosa, Chaetomorpha anteninna, Halimeda micronesica, Boegesenia forbesi, Cladhopora hespetica,  Halimeda discoidea, Chaetomorpha sp, Sargasum sp., Sargasum natans, Padina australis, Turbinaria ornata,  Canistrocaptus crispatus, Asparagopsis taxiformis, Galaxaura filamentosa,  dan Halymenia durvillei.

scholarly journals Assessing The Relationship Between Liberalization, Ownership And Performance: The Case Of Turkish Banks

2011 ◽  
Vol 3 (1) ◽  
Author(s):  
Ihsan Isik ◽  
Lokman Gunduz ◽  
Osman Kilic ◽  
Dogan Uysal
Keyword(s):  
Financial Liberalization ◽  
Malmquist Index ◽  
Foreign Banks ◽  
Public And Private ◽  
Index Approach ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
The Impact ◽  
Productivity Gains

This paper employs a DEA-type Malmquist index approach to evaluate the impact of financial liberalization on the productivity changes of public, private and foreign banks in Turkey during the period between 1981 and 1990. The results indicate that all forms of banks have benefited from financial liberalization. However, foreign banks were found to be the most productive, followed by private banks and public banks respectively. The major source of productivity gains is scale changes for public and private banks and technical progress for foreign banks. It also seems that productivity growth indices of all banks converge towards the end of liberalization period.

scholarly journals BIAYA PRODUKSI TEPUNG SAGU (Metroxylon sagu Rottb) SECARA SEMI MEKANIS PADA INDUSTRI USAHA KECIL DI DESA KOREK KECAMATAN SUNGAI AMBAWANG KABUPATEN KUBU RAYA

2020 ◽  
Vol 8 (3) ◽  
Author(s):  
Julio Bagaskara ◽  
Gusti Hardiansyah ◽  
Dina Setyawati
Keyword(s):  
Raw Materials ◽  
Economic Value ◽  
Survey Method ◽  
Fixed Costs ◽  
Net Income ◽  
Class B ◽  
C Value ◽  
Metroxylon Sagu ◽  
The Cost ◽  
Flour Production

Sago is a plant can be source of foods, and have a economic value. Production of sago flour need stages and experience. The purpose of this study is to describe the activity of sago flour production, analyze the cost, count revenue, and analyze advisability businesss sago flour production in Korek, Village of Sungai Ambawang, Sub-District of Kubu Raya Regency. This study uses survey method and interview technique. Production at Akos industry includes: supplying basic materials, stripping, splitting, rasping, filtering, precipitating, drying, milling, and packaging. The total costs of production at Akos industry is Rp 258.669,39/ hour, it is the sum of fixed costs and variable costs. Fixed costs are the cost of depreciation and capital interest is about Rp 3.717,47/ hour. Variable costs include the cost of basic materials, costs of transporting basic materials, employee salaries, fuel, packaging materials and delivery cost of raw materials is about Rp 254.951,92/ hour. Revenue of Akos industry is Rp 410.576,92/ hour gotten from selling sago flour class A is about 14 ton and selling sago flour class B is about 3 ton. Net income of Akos industry is Rp Rp 151.907,53/ hour. The based on the analysis, Akos industry has R/C value is 1,59. Because the value of R/C more than 1, so business of Akos flour sago industry is profitable, and advisable to be run.Keywords: Cost production, Diagram of sago flour production, R/C analysis

scholarly journals Comparing the Quality of Services by Public and Private Banks in the View of Customers

2015 ◽  
Vol 52 ◽  
pp. 139-149
Author(s):  
Zolfa Haghgooyan ◽  
Gholamreza Jandaghi ◽  
Leyli Sharifi
Keyword(s):  
Quality Of Services ◽  
Single Population ◽  
Public And Private ◽  
Population Average ◽  
Private Banks ◽  
The Status ◽  
Private And Public ◽  
Public Banks ◽  
Descriptive Survey

Present paper aims at studying and comparing the quality of services by public and private banks of Qom Province in the view of customers. This is an applied study and it is a descriptive survey in terms of data collection method. Its population consists of customers of Qom Province public and private banks, SERVQUAL standard model is used in present study. It includes five aspects: Reliability, Tangibility, Responsiveness, Assurance and Empathy.To study the quality of services and their aspects in public and private banks, single population average test is used while two – population average test is utilized to compare the quality of services in private and public banks. The results from single population average tests indicate that the status of service quality and the aspects of SERVQUAL are desired in both Qom Province private and public banks. Likewise, the results for two – population average tests reveal that provided services by both public and private banks have similar quality and there is no difference between them in this regard. Concerning the SERVQUAL model, the findings indicate that physical environment of private banks is better than public peers. However, there is no difference between them in other aspects.

Comparing the Roles of PR Practitioners in the Public and Private Sectors in the UAE

2014 ◽  
Vol 5 (3) ◽  
pp. 64-76
Author(s):  
Badreya Al-Jenaibi
Keyword(s):  
Public Sector ◽  
Virtual World ◽  
Research Problem ◽  
Insurance Companies ◽  
Public And Private ◽  
Advanced Level ◽  
Face To Face ◽  
The Public ◽  
Private Banks ◽  
Depth Interviews

This paper compares public relation practices of experts working in public and private sectors of the UAE based firms. It casts light on the challenges that practitioners face in both sectors and the necessary skill set they need to excel in their field. Qualitative research techniques were used to get insights into the research problem. Qualitative questionnaires and in depth interviews with the target respondents were conducted. Questionnaires were filled by government institutions, public sector insurance companies, schools, private banks, and other organizations. In depth face to face interviews and qualitative questionnaire were used in this study. Out of 60 questionnaires, 30 were distributed and collected face to face in 15 different workplaces in the public sector and 30 were distributed in 12 workplaces in the private sector. The research concluded that the PR sector is well developed in private firms who cater to their publics at an advanced level using the tools and devices necessary for physical and virtual world practice. When it comes to the public sector, PR departments and PR practitioners were not very aware of the contemporary PR concept, and they need better qualifications to improve their PR practices.

scholarly journals Comparative Analysis of Risk Management Practices of Commercial Banks in Afghanistan

2021 ◽  
Vol 09 (01) ◽  
pp. 110-122
Author(s):  
Waqas Khan ◽  
◽  
Muhammad Tahir ◽  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Value At Risk ◽  
Management Practices ◽  
Banking Sector ◽  
Credit Risk Management ◽  
Public And Private ◽  
Significant Difference ◽  
Private Banks ◽  
Public Banks

The main objective of the study was to compare the risk management practices of public and private banks and rank different types of risks faced by public and private banks in Afghanistan banking sector. The study empirically tested the level of efficient risk management practices in the banking sector of Afghanistan. A representative sample of 110 individuals was used from both public and private banks. The analysis was based on correlation, regression analysis, and t-statistics. The findings suggest that private banks are more efficient than public banks in terms of risk assessment and analysis, risk monitoring, and credit risk management. Furthermore, RAA, RMON, and CRA are the significant determinants of RMPS. Overall, there is no significant difference in the risk management practices of public and private banks. The study found credit risk, country risk, and liquidity risks as the major risks for the banking sector in Afghanistan. Financial statement analysis, audit and physical staff, and value at risk analysis are the three top instruments respectively for the assessment of risk. This study is the first attempt to understand and analyze the risk management practices of the banking sector of Afghanistan, the results of which will assist various stakeholders of the banking industry in their decision-making process.

scholarly journals Efficiency Measurement of Indian Banking Industry: An Empirical Comparative Analysis

2021 ◽  
Vol 12 (4) ◽  
pp. 135
Author(s):  
Syed Raziuddin Ahmad ◽  
Muhammad Nauman Khan
Keyword(s):  
Technical Efficiency ◽  
Banking Sector ◽  
Banking Industry ◽  
Scale Efficiency ◽  
Public And Private ◽  
The Public ◽  
Private Banks ◽  
Public Banks ◽  
The Individual ◽  
Private Banking

The following study is conducted to measure and compare the performance of 32 Indian banks, 21 public banks, and 11 private banks, at two tiers during the period of 2008–2018. Industrial analysis of both the public and private banking sectors is conducted in the first tier, followed by an individual bank-level analysis at the second tier. Data analysis consists of deposits, assets, and equity as inputs to measure the outputs practicing data envelopment analysis techniques. The empirical results portray a mixed trend in various elements of efficiency. They reveal that with the common pledge to expand market share and performance, public and private banks have been improving and covering the highest efficiency level. However, at the industry level, the private banking industry has slightly better technical and pure technical efficiency results compared to the public banking industry. On the other hand, the public banking sector performed well compared to the private banking industry in the stipulated study period based on mean scale efficiency results.Generally, many studies on Indian Banking Industry focus on determinants of industrial banking growth indicators. Further, we examine Indian banking performance at the individual bank level by incorporating the latest available data. In terms of technical and pure technical efficiency, Kotak Mahindra Bank Ltd., a private bank, scored the highest at the individual bank level. The State Bank of Bikaner & Jai has the highest score in terms of scale efficiency and thus is the best example of a public sector bank. Despite the improvement in income and deposits in both types of banking, there is still room for public banks to redirect their short-term and long-term marketing and communication strategies to focus on targeting customers and enhancing management skills at the branch level.

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