scholarly journals Indicators to Assess Financial Security of the Banks

2019 ◽  
Vol 9 (1) ◽  
pp. 4465-4468 ◽  
Keyword(s):  
Central Bank ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Theoretical Aspect ◽  
Financial Security ◽  
The World ◽  
The Republic ◽  
Single Approach ◽  
Foreign Scientist

Ensuring liquidity and sustainability of commercial banks enables to satisfy the needs for loans extended to individuals and legal entities, as well as to provide continuity of the payments in the economy. In turn, banking liquidity and ensuring solvency are considered to be a crucial precondition for ensuring their financial security. As far as we know in the world practice there is no single approach to the financial security of banks and the system of assessment indicators. Statistic data used in various countries required to the calculation of assessment indicators vary in different countries. This, in turn, does enable to entirely assess the financial security of banks. Methodology of the study was based on modern foreign scientist`s research works. In the article was used indicators coefficients and the data provided from the Central Bank of the Republic of Uzbekistan. In this regard this article is devoted to the research of scientific-theoretical aspect of financial security. In addition, the article specifies the indicators used to assess financial security of commercial banks. The research has been conducted on the case-study of joint-stock commercial bank “Asaka” operating in our republic. Moreover, the article presents assessment of the financial security of “Asaka” JSCB, as well as determines the problems associated with ensuring financial security. In addition, the article contains scientific proposals aimed at eliminating the problems specified above. In terms of the method available, the indicators used for assessing financial security are fit for the enterprises, however, such indicators haven’t been developed for banks. In the method proposed in this article, the indicators used for assessing financial security have been structured in terms of the peculiarities of commercial banks operating in the republic.

scholarly journals Sending in die kerk: ’n Gevallestudie

1992 ◽  
Vol 13 (1) ◽  
pp. 41-55
Author(s):  
J. J. Kritzinger
Keyword(s):  
South Africa ◽  
Dutch Reformed ◽  
Church Members ◽  
Reformed Church ◽  
Factors Influencing ◽  
The World ◽  
The Republic ◽  
The Church ◽  
Significant Factors

Mission in the church: A case study Based on an enquiry into mission interest in the NG Church. Although there can be no doubt that mission is the essential task to which God called the church into being, to be his witness in the world, the empirical church often shows very little awareness of this. This article relates some results of research done in the Dutch Reformed Church in the Republic of South Africa on the church members’ interest in and involvement with mission. Some of the significant factors influencing the missionary interest of the members were (a) their personal spirituality and activities within the church, (b) their political leanings, and (c) the missionary preaching and enthusiasm of the ministers. A few aspects of the ministry are highlighted as worthy of attention.

The Swiss Sovereign Money Initiative

2018 ◽  
Vol 51 (4) ◽  
pp. 621-644
Author(s):  
Katrin Assenmacher ◽  
Claus Brand
Keyword(s):  
Central Bank ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Global Financial Crisis ◽  
Balance Sheet ◽  
Jel Classification ◽  
Constitutional Amendment ◽  
Demand Deposits ◽  
Bank Balance Sheets ◽  
The Global Financial Crisis

Abstract On 10 June 2018, Switzerland voted against a constitutional amendment to introduce a system of sovereign money or Vollgeld. The proposal foresaw that all money be created by the central bank and that commercial banks be banned from creating demand deposits. Demand deposits would have been required to be held in off-balance sheet accounts at commercial banks. We discuss the specific features of this proposal and compare them to its historical predecessor, the Chicago plan. We argue that the Swiss initiative would not have tangibly enhanced financial, monetary, and economic stability. Specifically, if implemented earlier, it would not have addressed the root causes of the Global Financial Crisis and would have been ineffective in changing its course and its consequences for Switzerland. Though the Vollgeld proposal would have turned commercial bank into central bank money, close-money substitutes would likely have remained on the liability side of commercial bank balance sheets. Vollgeld would also unlikely have redeemed promises of ancillary effects such as a reduction in public debt, more sustainable economic growth, and less complex regulation. Forestalling and tackling financial imbalances requires limiting leverage and safeguarding liquidity buffers through bank-level and system-wide rules and regulation. Zusammenfassung Am 10. Juni 2018 lehnten drei Viertel der Schweizer Stimmberechtigten eine Verfassungsänderung ab, die ein Vollgeldsystem in der Schweiz eingeführt hätte. Der Vorschlag hätte der Notenbank das alleinige Recht zur Geldschöpfung gegeben und den Geschäftsbanken die Schaffung von Sichteinlagen verboten. Zahlungsverkehrskonten hätten von den Geschäftsbanken ausserhalb ihrer Bilanz geführt werden müssen. Wir diskutieren die Einzelheiten des Vorschlags und vergleichen sie mit dessen Vorgänger aus den 1930er Jahren, dem Chicago Plan. Wir argumentieren, dass sich die monetäre und wirtschaftliche Stabilität sowie die Finanzstabilität in der Schweiz durch die Annahme der Initiative nicht wesentlich verbessert hätten. Ein bestehendes Vollgeldsystem hätte nicht bei den Ursachen der Finanzkrise angesetzt und wäre unerheblich für ihren Verlauf und ihre Folgen für die Schweiz gewesen. Obwohl mit Vollgeld Sichteinlagen bei Geschäftsbanken in Zentralbankgeld umgewandelt worden wären, hätten geldnahe Einlagen auf der Passivseite der Bilanz weiter existiert. Vollgeld hätte auch Versprechen wie eine Senkung der Staatsverschuldung, ein nachhaltigeres Wachstum und eine weniger komplexe Bankenregulierung nicht erfüllt. Die Verhinderung und Bewältigung von finanziellen Ungleichgewichten erfordert eine Regulierung sowohl auf Bankenebene als auch für das Finanzsystem insgesamt, um die gesamtwirtschaftliche Verschuldung zu beschränken und Liquiditätspuffer zu schaffen. JEL Classification: E42, E50

The Making of a Man of Letters: The Backstage and Afterlife of Paul Rapin Thoyras’ Histoire d’Angleterre

2018 ◽  
Vol 3 (3) ◽  
pp. 314-347
Author(s):  
Miriam Franchina
Keyword(s):  
Self Presentation ◽  
Republic Of Letters ◽  
Scholarly Community ◽  
The World ◽  
The Republic

The significance of Paul Rapin Thoyras’s Histoire d’Angleterre (1724–1727) has been widely recognized, and yet little is known about the circumstances which brought it about. This article looks behind the scenes of its production, revealing the Histoire to be the culmination of Rapin’s self-presentation as an homme de lettres. It presents Rapin’s interaction and ensuing dispute with his intended publisher (Thomas Johnson), his contributions to Jean Le Clerc’s journals and his management of anonymity and publicity as strategies to gain acceptance and advancement within the Republic of Letters. The case study sheds light on the discourses of self-description of the scholarly community, highlighting the controversial relationship it entertained with the world of print.

scholarly journals  Toward the rational use of forest biomass: Lithuanian case study

2012 ◽  
Vol 58 (No. 10) ◽  
pp. 465-471 ◽  
Author(s):  
I. Varnagirytė-Kabašinskienė
Keyword(s):  
Forest Ecosystems ◽  
Nutrient Balance ◽  
Forest Biomass ◽  
Wood Ash ◽  
Related Research ◽  
Future Studies ◽  
The World ◽  
Forest Fuel ◽  
The Republic

 This paper contains the information about some principles of sustainable forestry which are still relevant in the world. In 2002, Lithuania started research on the nutrient balance in forest ecosystems when the forest fuel is harvested. The consequences of the intensive forest fuel harvesting on the forest ecosystem were analysed. At the same time, the experiment on the compensatory wood ash fertilizing was established in Lithuania. After the initial calculations, having the experimental data, the Ministry of Environment of the Republic of Lithuania has initiated the preparation of the Recommendations for compensating wood ash fertilization in the forests. This review briefly systematizes and analyses the main results of the related research and some ideas for the future studies are also presented.    

scholarly journals Challenges to corporate governance practices: Case study of Libyan commercial banks

2017 ◽  
Vol 1 (1) ◽  
pp. 33-41 ◽  
Author(s):  
Hashem Iswaissi ◽  
Kazem Falahati
Keyword(s):  
Corporate Governance ◽  
Central Bank ◽  
Case Studies ◽  
Commercial Banks ◽  
Qualitative Approach ◽  
The Political ◽  
Structured Interviews ◽  
Research Knowledge ◽  
Governance Practices

The purpose of this study is to investigate corporate governance (CG) practices in Libyan Commercial Banks (LCBs) in order to find out any essential challenges that are associated with the process of adopting CG in the LCBs which became mandatory implementation in late 2010 in Libya. This study adopts a qualitative approach by conducting semi-structured interviews to collect the required data within the framework of stakeholder and new institutional theories of CG. Five LCBs are selected as units of case studies, as well as Central Bank of Libya (CBL). The results of the findings reveal that the implementation of CG code 2010 at LCBs is still in the early stages. The weakness of supervision and absence of training, as well as a lack of knowledge and political instability; are the main challenges to LCBs in complying with good CG practices and overcoming the problems of the political economics of CG. The outcome of this study will contribute to research knowledge on CG, especially in Libyan banks, by using stakeholder and new institutional theories as a theoretical framework.

scholarly journals Impact of service quality on customer satisfaction of automated teller machine service: case study of a private commercial joint stock bank in Vietnam

2015 ◽  
Vol 16 (3) ◽  
pp. 280-289 ◽  
Author(s):  
Chi Phan ◽  
Phong Nham
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Commercial Bank ◽  
Questionnaire Survey ◽  
Commercial Banks ◽  
Market Place ◽  
Quality Performance ◽  
Automated Teller Machine ◽  
The Impact

One of key challenge for Vietnamese commercial banks is how to compete in the market place with commonly undifferentiated services. The aim of this study is to investigate the impact of service quality performance on customer satisfaction on ATM service in a commercial bank in Vietnam. This study applies SERVPERF framework to analyze the data collected from a questionnaire survey and found that ASSURANCE and TANGIBLES factors significantly impact on the customer satisfaction.

scholarly journals Analysis of IPC-based Small and Micro Enterprises' Financing Supply ——A Case Study of City Commercial Bank in Taizhou City, Zhejiang Province

2020 ◽  
Vol 5 (2) ◽  
pp. 9
Author(s):  
Wanting Huang
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Decisive Role ◽  
Zhejiang Province ◽  
Micro Enterprises

<p>The financing supply of small and micro enterprises plays a decisive role in solving the "financing difficulty" problem of small and micro enterprises. This paper takes Taizhou, which has developed small and micro finance, as an example to analyze the localization and innovation of IPC mode, refine the successful mode of small and micro loans of city commercial banks, and put forward optimization suggestions on the financing supply end of small and micro enterprises.</p>

scholarly journals The Impact of the Internal Audit in Reducing Credit Risk in Commercial Banks in Kosovo

2016 ◽  
Vol 12 (4) ◽  
pp. 268
Author(s):  
Shqipdona Hashani Siqani ◽  
Edona Sekiraca
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Internal Audit ◽  
Portfolio Diversification ◽  
Credit Risk Management ◽  
Loan Portfolio ◽  
Survey Results ◽  
The Republic ◽  
The Impact

Credit risk represents the vast majority of the risk in the context of estimating the capacity of the transfer of risk from commercial banks. Any commercial bank operating, in Kosovo, must have a system for managing credit risk. An important and essential process, such as the management of the credit risk, cannot be carried out without the aid of internal audit. From the survey results, it was concluded that the process of auditing the banks recommended the implementation of policies for managing credit risk of the respective commercial bank’s policy. This also include the policy of credit risk management of the Central Bank of the Republic of Kosovo, implementation of procedures, regulations and rules for credit exposure, loan portfolio diversification, training of staff of the credit risk involved in completing the loan files, etc.

scholarly journals Pengembangan Industri Kreatif dari Iluminasi Naskah Kuno Pariangan: Studi Motif Batik Pariagan, Sumatra Barat

Manuskripta ◽  
2019 ◽  
Vol 9 (2) ◽  
pp. 1
Author(s):  
Irwan Malin Basa
Keyword(s):  
Case Study Research ◽  
Local People ◽  
Creative Industry ◽  
Case Study Approach ◽  
Human Right ◽  
Study Approach ◽  
The World ◽  
The Republic ◽  
Personal Collection

Abstract: This article discussess about the creative industry development from the illumination of manuscripts in Pariangan.  This research was conducted in Pariangan for six months.  A case study approach was applied in this research with some consideration.  First,   Pariangan is called as one of the most beautiful villages in the world since 2012.  It was anounced by the most popular travel magazine in America named American Budget Travelers. Second, it has many traditional manuscripts written in Arabic, Malay and Minang language.  The manuscripts were saved in surau, in traditional houses and also as a personal collection.  Most of the the manuscripts have different beautiful illumination.  Third, to empower local people to revitalize their “lost” tradition to make the design of batik.  The result of this research shown that there were twenty five of the batik designs which performs local wisdom of Pariangan.  Until now there were 13 of the designs have been registered to the ministry of Law and Human Right of the Republic of Indonesia.  The last one is local people of Pariangan are able to make batik again. --- Abstrak: Tulisan ini membahas masalah pengembangan industri kreatif dari iluminasi naskah kuno yang ada di Pariangan, Tanah Datar, Sumatera Barat. Penelitian ini menggunakan metode case study research dan dilaksanakan selama enam bulan.  Ada beberapa alasan untuk melaksanakan penelitian ini di Pariangan. Pertama, Pariangan adalah desa terindah di dunia menurut majalah pariwisata terkenal dari Amerika yaitu American Budget Travelers.  Kedua, Pariangan memiliki banyak naskah kuno yang memiliki ragam hias atau iluminasi yang indah dan naskah naskah tersebut masih tersimpan di surau, rumah gadang dan koleksi pribadi masyarakat.  Ketiga, untuk memberdayakan penduduk lokal tentang tradisi mereka yang pernah hilang yaitu mencelup kain.  Sebagai hasilnya, sudah tiga belas design batik yang didaftarkan sebagai Hak Cipta dan Hak Kekayaan Intelektual ke Kementerian Hukum dan Hak Azazi Manusia Republik Indonesia.  Dan yang terakhir adalah masyarakat Pariangan bisa melestarikan tradisi mereka dengan membuat batik kembali yang dulu pernah hilang.

scholarly journals IMPLEMENTASI MAQASID SYARIAH PADA ANNUAL REPORT BANK UMUM SYARIAH SEBAGAI MITRA UNIVERSITAS ISLAMI (STUDI KASUS PADA BANK SYARIAH MANDIRI)

2020 ◽  
Vol 21 (1) ◽  
pp. 60-67
Author(s):  
Frisztina Anisa ◽  
Veni Soraya Dewi ◽  
Ade Vira Agustina
Keyword(s):  
Qualitative Research ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Annual Report ◽  
Human Life ◽  
Economic Activities ◽  
Descriptive Research ◽  
Five Factors ◽  
The World

Islam has arranged all matters relating to human life in the world, including economic activities. In carrying out economic activities must be in accordance with the purpose of life of a Muslim with its implementation is mashlahah on the activities of maqasid syaria. Maqashid sharia has five factors, namely guarding religion, guarding the soul, guarding reason, guarding offspring, and protecting property. Sharia Commercial Bank as a supporter of the community's economy in carrying out all its activities must be based on sharia provisions. Annual Report reflects the activities of Sharia Commercial Banks both financial and non-financial. Maqasid Sharia as an indicator of the implementation of sharia principles must be reflected in the Sharia Commercial Bank Annual Report. This study aims to determine the implementation of the Maqasid Syaria in the Sharia Commercial Bank annual report. The sample in this study is Bank Syariah Mandiri Annual Report. The research method used in this study is qualitative research that is descriptive research and analysis based on theories and other supporting sources. The results of the study are Bank Syariah Mandiri has implemented all aspects of the maqasid syaria as reflected in the Annual Report.Islam sudah mengatur segala urusan yang berkaitan dengan kehidupan manusia di dunia, termasuk aktifitas ekonomi. Dalam melakukan aktivitas ekonomi harus sesuai dengan tujuan hidup seorang muslim dengan implementasinya adalah mashlahah pada aktivitas maqasid syariah. Maqashid syariah memiliki lima faktor, yaitu menjaga agama, menjaga jiwa, menjaga akal, menjaga keturunan, dan menjaga harta. Bank Umum Syariah sebagai salah satu pendukung perekonomian masyarakat dalam menjalankan segala aktivitasnya harus berdasarkan ketentuan syariah. Annual Report mencerminkan dari aktifitas Bank Umum Syariah baik keuangan maupun non keuangan. Maqasid Syariah sebagai indikator terlaksananya prinsip syariah harus tercermin dalam Annual Report Bank Umum Syariah. Penelitian ini bertujuan untuk mengetahui implementasi maqasid syariah pada annual report Bank Umum Syariah. Sampel pada penelitian ini adalah Annual Report Bank Syariah Mandiri. Metode penelitian yang dipakai dalam penelitian ini adalah penelitian kualitatif yaitu penelitian yang bersifat deskriptif dan analisis berdasarkan teori dan sumber-sumber lain yang mendukung. Hasil dari penelitian adalah Bank Syariah Mandiri telah mengimlementasikan seluruh aspek maqasid syariah yang tercermin pada Annual Report.

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