scholarly journals Tasas activas y pasivas en las operaciones bancarias en el cantón Salinas de la provincia de Santa Elena

2015 ◽  
Vol 3 (1) ◽  
pp. 127-132
Author(s):  
Karina Santistevan ◽  
Adrián Valencia ◽  
Lilia Valencia ◽  
Nathyn Collins
Keyword(s):  
Central Bank ◽  
Financial Institutions ◽  
Accurate Information ◽  
The Public ◽  
Percentage Points ◽  
Lending Rates ◽  
Santa Elena ◽  
Very High

Las tasas de interés son fijadas por el Banco Central del Ecuador, sin embargo en el último lustro las tasas de interés activas y pasivas que ofrecen las instituciones financieras han sufrido ligeras modificaciones. Las tasas activas que imponen estos establecimientos superan en más de 10 puntos porcentuales a las pasivas, ubicándose en 15% promedio. Esta situación hace que los usuarios de los bancos: Pichincha, Guayaquil, Pacífico, Bolivariano, entre otros, opten por retirar su dinero de las entidades antes mencionadas ya que los intereses que ellos reciben son muy bajos. El estudio situacional financiero en el cantón Salinas provincia de Santa Elena, obtuvo información a través de encuestas realizadas a los habitantes que son clientes, lográndose evidenciar las desventajas que pueden tener los usuarios AbstractInterest rates are set by the Central Bank of Ecuador, butin recent times the lending and deposit rates offered by financial institutions have been very high, around more than 10 percentage points to passive in lending rates, and 15% loans. This situation makes users of banks: Pichincha, Guayaquil, Pacífico, Bolivariano, choose to withdraw their money from them entities because the interest that they receive are not convenient. For this reason a financial situational study in the Province of Santa Elena is very important, we obtained accurate information through surveys that was undertaken to the inhabitants of that district, to get demonstrate the inconvenient for the users and using this information to inform to the public about the best alternatives when making a bank transaction.  

What Europe and the US could learn from the Covid Crisis

2021 ◽  
Vol 9 (4) ◽  
pp. 238-247
Author(s):  
Karl Aiginger
Keyword(s):  
Political Process ◽  
Structural Policy ◽  
Policy Governance ◽  
The Public ◽  
Recovery Programs ◽  
Health Goals ◽  
Percentage Points ◽  
The Us ◽  
Screen Performance ◽  
Very High

The European Economy is underperforming in the Covid Crisis, as it did in the Financial Crisis. If economic strength is measured by growth of GDP, Europe’s recovery in 2021 will be two percentage points below the loss in 2020, while the US will enjoy a net gain of 2 percentage points in these two crisis years. To the benefit of Europe, the paper finds that fatal causalities relative to population due to Covid were lower in Europe, and we therefore conclude that Europe chose a different tradeoff between economic and health goals. We report differences in fiscal and monetary response, but also in structural policy, governance and the political process in the two regions. Decisions in the US, once a problem has been recognized as important, are quicker; more resources can be shifted, even if the public debt is already very high. Finally, we screen performance for sustainability and life expectancy, which shows advantages for Europe that could be extended in the recovery programs.

scholarly journals A Review of the Recent Developments of Green Banking in Bangladesh

2021 ◽  
Vol 13 (4) ◽  
pp. 1904
Author(s):  
Fatema Khairunnessa ◽  
Diego A. Vazquez-Brust ◽  
Natalia Yakovleva
Keyword(s):  
Central Bank ◽  
Financial Institutions ◽  
Financial Regulation ◽  
Economic Transition ◽  
Secondary Data ◽  
Developed Countries ◽  
Annual Reports ◽  
Infrastructure Development ◽  
Recent Developments ◽  
The Developed Countries

This paper aims to explore the emergence of ‘Green Banking’ in Bangladesh, with a focus on the role of financial regulation and regulators in greening the financial sector. It also examines the contribution and involvement of banks and non-bank financial institutions in promoting green economic transition. The study is based on the review of secondary data collected from various sources, such as quarterly reports, annual reports, websites of the central bank of Bangladesh, and other commercial banks and non-bank financial institutions as well as various articles, and newspapers reports on green banking in Bangladesh. The collected data is reviewed using descriptive statistics. The research results reveal that the central bank of Bangladesh played a major role in greening the financial system of the country by implementing various green policies and regulatory measures. Although Bangladesh is still far behind the developed countries in terms of environmental performance, the country has made a remarkable progress in initiating and expanding green banking practices, infrastructure development, and accelerating green growth in recent years.

scholarly journals Can the Health-Care System Meet the Challenge of Pandemic Flu? Planning, Ethical, and Workforce Considerations

2007 ◽  
Vol 122 (5) ◽  
pp. 573-578 ◽  
Author(s):  
Peter J. Levin ◽  
Eric N. Gebbie ◽  
Kristine Qureshi
Keyword(s):  
Public Health ◽  
Health Care ◽  
Ethical Issues ◽  
Care Delivery ◽  
Care Staff ◽  
Health Care Staff ◽  
Accurate Information ◽  
The Public ◽  
Health Care Delivery Systems ◽  
The Impact

The federal pandemic influenza plan predicts that 30% of the population could be infected. The impact of this pandemic would quickly overwhelm the public health and health-care delivery systems in the U.S. and throughout the world. Surge capacity for staffing, availability of drugs and supplies, and alternate means to provide care must be included in detailed plans that are tested and drilled ahead of time. Accurate information on the disease must be made available to health-care staff and the public to reduce fear. Spokespersons must provide clear, consistent messages about the disease, including actions to be taken to contain its spread and treat the afflicted. Home care will be especially important, as hospitals will be quickly overwhelmed. Staff must be prepared ahead of time to assure their ability and willingness to report to work, and public health must plan ahead to adequately confront ethical issues that will arise concerning the availability of treatment resources. The entire community must work together to meet the challenges posed by an epidemic. Identification and resolution of these challenges and issues are essential to achieve adequate public health preparedness.

Towards Reforming Nigeria's Secured Transactions Law: The Central Bank of Nigeria's Attempt through the Back Door

2017 ◽  
Vol 61 (1) ◽  
pp. 131-153 ◽  
Author(s):  
Williams C Iheme ◽  
Sanford U Mba
Keyword(s):  
Central Bank ◽  
Financial Institutions ◽  
Building Blocks ◽  
Critical Examination ◽  
Personal Property ◽  
Business Operations ◽  
Commercial Code ◽  
The Us ◽  
Secured Transactions ◽  
Back Door

AbstractIn response to the inability of micro, small and medium scale enterprises (MSMEs) to access credit to finance their business operations, the governor of the Central Bank of Nigeria passed the Central Bank of Nigeria (Registration of Security Interests in Movable Property by Banks and Other Financial Institutions in Nigeria) Regulations, No 1, 2015. The purport of this regulation is, among other things, to ensure that MSMEs can use items of personal property to create security. This article critically examines the regulation in the light of the building blocks of article 9 of the US Uniform Commercial Code, which is not only a paradigmatic piece of legislation but appears to be the model on which the Nigerian regulation is based. This critical examination leads the authors to conclude that, although the regulation represents the first steps to reform, much more remains to be done to ensure effectiveness.

On the Mortality arising from Naval Operations

1856 ◽  
Vol 6 (5) ◽  
pp. 254-277
Author(s):  
William Barwick Hodge
Keyword(s):  
Point Of View ◽  
Accurate Information ◽  
Loss Of Life ◽  
The Public ◽  
Naval Operations ◽  
Present Subject

To ascertain with precision the loss of life occasioned by war is an object of so much importance in every point of view, whether national or social, that whatever apology may be required for the manner in which the present subject is treated, none can be necessary for bringing it forward.That so little should have been done towards the elucidation of the question, is no doubt partly attributable to the difficulty of obtaining accurate information with respect to it, but in a greater degree, perhaps, to the reluctance to dwell upon it felt by the public.

What the past can say about the present and future of fire

2020 ◽  
Vol 96 ◽  
pp. 66-87
Author(s):  
Jennifer R. Marlon
Keyword(s):  
Climate Change ◽  
Terrestrial Ecosystems ◽  
Combustion Products ◽  
Temperature Changes ◽  
The Public ◽  
The Past ◽  
Warming Climate ◽  
Highly Sensitive ◽  
In Fire ◽  
Very High

AbstractWildfires are an integral part of most terrestrial ecosystems. Paleofire records composed of charcoal, soot, and other combustion products deposited in lake and marine sediments, soils, and ice provide a record of the varying importance of fire over time on every continent. This study reviews paleofire research to identify lessons about the nature of fire on Earth and how its past variability is relevant to modern environmental challenges. Four lessons are identified. First, fire is highly sensitive to climate change, and specifically to temperature changes. As long as there is abundant, dry fuel, we can expect that in a warming climate, fires will continue to grow unusually large, severe, and uncontrollable in fire-prone environments. Second, a better understanding of “slow” (interannual to multidecadal) socioecological processes is essential for predicting future wildfire and carbon emissions. Third, current patterns of burning, which are very low in some areas and very high in others—are often unprecedented in the context of the Holocene. Taken together, these insights point to a fourth lesson—that current changes in wildfire dynamics provide an opportunity for paleoecologists to engage the public and help them understand the potential consequences of anthropogenic climate change.

scholarly journals LIFE-CYCLE HYPOTHESIS OF HYBRID SUKUK

JURISDICTIE ◽  
2020 ◽  
Vol 10 (2) ◽  
pp. 137
Author(s):  
Luthvia Moonda
Keyword(s):  
Economic Growth ◽  
Life Cycle ◽  
Financial Institutions ◽  
Financial Services ◽  
Net Present Value ◽  
Vital Role ◽  
Muslim World ◽  
Present Value ◽  
The Public ◽  
Life Cycle Hypothesis

The development of financial system recently has been contributing to the economic growth of the nation. Its vital role helps many financial institutions to advance their financial services, particularly in investment systems such as Sukuk. As seen in recent years, the involvement of Sukuk in many industries ranging from sovereigns to corporates for both Muslim and non-Muslim world companies. Although its popularity increases, it seems to be widely accepted that the insufficient structures of Sukuk become a big challenge to serve the public needs to be in compliance with Shari’ah principles. In an attempt to fulfil many financial companies in issuing Sukuk and the needs of the Muslim world, this study aims to provide the new structure of Sukuk. The study proposes a design of securitization by combining two contracts of Sukuk into one Sukuk structure. The constructed idea will use a model of life cycle hypothesis to support the Sukuk issuing companies in maintaining their incomes. It also explains the cycle cash flow and asset movement as well as the calculation of Net Present Value (NPV) of the project.

scholarly journals Fiduciary Agreement Implementation in Car Credit Agreement on Financing Institutions of Mandiri Finance of Cirebon Based on Act No. 42 of 199 About Fiduciary

Jurnal Akta ◽  
2018 ◽  
Vol 5 (3) ◽  
pp. 655
Author(s):  
Ardiansyah Alrawi ◽  
Gunarto Gunarto
Keyword(s):  
Financial Institutions ◽  
Legal Protection ◽  
The Public ◽  
Legal Development ◽  
Freedom Of Contract ◽  
Legal Effect ◽  
The Moment ◽  
Credit Agreement ◽  
The City

The emergence of various institutions today's economy helped spur the economy of the community. But unfortunately the growth of the economic institutions are not supported by an adequate legal development. The presence of various financial institutions helped bring a major role in economic development of society, especially the poor. These financial institutions emerged as a form of providing funds or capital goods for the public to purchase goods on payment in installments or periodically by consumers. Construction consumer finance based on an agreement with the principle of freedom of contract as legal bases for both parties. In practice financing undertaken by financial institutions poured in the form of a credit agreement. In each of providing credit to their customers finance institutions always face a risk, therefore the customer's business situation and developments to be followed continuously starts the moment the credit is given to the loan. As for giving legal protection to the parties in the process of providing collateral (guarantee), then one of them is with the enactment of Law Fiduciary. Implementation of lending followed by a fiduciary assurance processes at financial institutions in the city of Cirebon most important is the legal effect if the Borrower defaults which are expected to creditors (financial institutions) can be easily exercised fiduciary object. Constraints faced in a fiduciary guarantee is as follows: a. Any cost of making a deed by the Borrower felt heavy, incomplete b. Any requirements of the Borrower to elaborate on the type, brand and quality of the fiduciary object, c. The office registration still limited fiduciary, fiduciary registration e. The office could not provide information on everything about the guarantee with the issuance.Keywords: Financing Institution, Credit Agreements, Fiduciary.

scholarly journals Do Central Bank Liquidity Facilities Affect Interbank Lending Rates?

2009 ◽  
Author(s):  
Jens Henrik Eggert Christensen ◽  
Jose A. Lopez ◽  
Glenn D. Rudebusch
Keyword(s):  
Central Bank ◽  
Lending Rates ◽  
Interbank Lending
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