scholarly journals Peranan Slik (Sistem Layanan Informasi Keuangan) Pada Pt. Bank Pembangunan Jawa Barat Dan Banten Kantor Cabang Pembantu Jalancagak

2020 ◽  
pp. 119-135
Author(s):  
Asep Sumarna ◽  
Ade Suparman
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Service System ◽  
Information Service ◽  
Development Bank ◽  
West Java ◽  
The Public ◽  
Exchange Information ◽  
Branch Office

Salah satu lembaga keuangan yang melayani masalah keuangan masyarakat yaitu PT. Bank Pembangunan Jawa Barat Dan Banten Kantor Cabang Pembantu Jalancagak berdasarkan data yang di peroleh terdapat beberapa kegiatan yang dilakukan PT. Bank Pembangunan Jawa Barat Dan Banten Kantor Cabang Pembantu Jalancagak yaitu menghimpun dana dan penyaluran kredit Peran bank dalam penyaluran kredit memang tidak bisa dipungkiri lagi bahwa merupakan usaha yang banyak   menghasilkan keuntungan atau return yang tinggi. Dalam hal ini Otoritas Jasa Keuangan atau yang biasa di sebut OJK selaku lembaga yang mempunyai peran mengawasi seluruh kegiatan lembaga keuangan yang ada di Indonesia meluncurkan sebuah sistem yang berbentuk aplikasi yang dinamakan dengan SLIK atau kepanjangan dari (Sistem Layanan Informasi Keuangan) yang diluncurkan dan digunakan secara meluas pada tanggal 1 januari 2018 untuk membantu pengawasan terhadap kreditur dan debitur dan dapat digunakan untuk bertukar informasi.   One of the financial institutions that serves the public financial problems, namely PT. West Java and Banten Development Bank Jalancagak Sub-Branch Office based on the data obtained there are several activities carried out by PT. West Java and Banten Development Bank Jalancagak Sub-Branch Office is to raise funds and credit distribution The role of banks in lending is indeed undeniable that it is a business that generates high profits or returns. In this case the Financial Services Authority or commonly called OJK as an institution that has the role of overseeing all activities of financial institutions in Indonesia launches a system in the form of an application called SLIK or stands for (Financial Information Service System) which is launched and used extends on January 1, 2018 to help supervise creditors and debtors and can be used to exchange information.  

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.

How Customer Analytics and Digital Technologies Drive Banks to Understand Consumer Awareness Towards Financial Inclusion

2018 ◽  
pp. 66-85
Author(s):  
Yuvraj Sharma
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Digital Technologies ◽  
Financial Inclusion ◽  
Primary Data ◽  
Related Data ◽  
Customer Analytics ◽  
Clear Communication ◽  
Increasing Demand

In today's switching economy, customers' needs are changing and they are demanding more transparency, higher involvement, and clear communication in day-to-day banking processes. The rationale behind carrying out the present research is to identify the role of customer analytics in the new digital customer journey in terms of enhancing their engagement, loyalty, and satisfaction. The present research emphasizes opportunities that would accrue to financial institutions after demonetization and collecting large amount of demographics, customer transaction, and account-related data. Primary data was collected from 300 customers through a structured questionnaire to know their perceptions about the role of customer analytics and digital technologies to build their confidence and capability to use financial services. This study brings out the customer analytics trends and identifies the reasons due to which banks are struggling to keep pace with the increasing demand of both digital savvy and traditional consumers.

Future Prospects

2018 ◽  
Author(s):  
Himanshu ◽  
Peter Lanjouw ◽  
Nicholas Stern
Keyword(s):  
Financial Services ◽  
Foreseeable Future ◽  
Future Prospects ◽  
Critical Question ◽  
Weak State ◽  
The Public ◽  
Education Outcomes ◽  
Education And Health ◽  
Over Time

This chapter attempts to draw on the analysis of seven decades of data and evidence from Palanpur to indicate some predictions for the future. It suggests that all-India trends of expanding non-farm, informal, employment will continue to exert an influence in Palanpur. The central role of caste and landholding in driving distributional outcomes is predicted to gradually diminish over time. However, a critical question relates to the potential role that the currently high, and rising, inequality might play in locking-in the forces that perpetuate inequality. The chapter argues that there is an intense need for improvement in the public supply of education and health services. Given the still weak state of education outcomes and also still poorly developed availability of financial services, it argues that for the foreseeable future entrepreneurship will continue to draw primarily on households’ own resources and initiative.

scholarly journals Financial innovation and climate change: the case of renewable energy certificates and the role of the GATS

2009 ◽  
Vol 8 (3) ◽  
pp. 439-460
Author(s):  
PANAGIOTIS DELIMATSIS
Keyword(s):  
Climate Change ◽  
Renewable Energy ◽  
Financial Services ◽  
Fossil Fuels ◽  
World Trade Organisation ◽  
Secondary Markets ◽  
The Public ◽  
Mitigation And Adaptation ◽  
Production Distribution

AbstractEnergy has come to the forefront of the public debate in the past decade for two main reasons: the first relates to the lack of a secure, continuous, and unconditional energy supply in the importing countries, mostly developed and transition economies, which are still dependent on non-renewable carbon-based fossil fuels. The second reason is that uncontrolled production, distribution, and use of conventional energy may lead to environmental degradation and global warming. Renewable energy certificates (RECs) are instruments that allow countries to promote energy generation from renewables and form part of domestic policies aimed at climate change mitigation and adaptation. Since RECs can be traded in secondary markets, this paper discusses issues raised by the nature of and the trade in RECs which can be of concern for the General Agreement on Trade in Services (GATS) and the multilateral regulation of trade in financial services, notably in the case where World Trade Organisation (WTO) Members undertook sweeping commitments in financial services which equally apply to trade in RECs.

scholarly journals THE URGENCY OF FATWA IN THE LAW OF SHARIA ECONOMICS IN INDONESIA

2021 ◽  
Vol 20 (2) ◽  
pp. 201
Author(s):  
Elsy Renie
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Rapid Development ◽  
Economic Activities ◽  
Financial Products ◽  
The People ◽  
The Law

Fatwas of the National Sharia Council-Indonesian Ulama Council (DSN-MUI), in the field of sharia economics, has filled the legal vacuum related to the economic activities of the people. The increased of activity in the Mu'amalah area which is so fast requires a responsive fatwa. It can be seen from the rapid development of financial products for sharia financial institutions today. The legal strength of a fatwa is non-binding because it is not included in the constitution hierarchy in Indonesia which has caused debate for some people. But, several DSN-MUI fatwa have been transformed into part of national law, such as constitution No. 21 of 2008 concerning Banking, and some of which have also been absorbed into Bank Indonesia regulations, Syari'ah Financial Services Authority Regulation (OJK). This paper tries to analyze the role of fatwas in filling the legal vacuum in the development of the shari'ah economy in Indonesia and how the fatwas of the DSN-MUI can be transformed into national law. The author concludes that the role of DSN-MUI as the only institution that issued a fatwa related to the activities of shari'ah financial institutions in Indonesia is very important in the area of national legal politics.

scholarly journals “What’s This Bug?” Questions from the Public Provide Relevant Information on Species Distribution and Human–Insect Interactions

Insects ◽  
2021 ◽  
Vol 12 (10) ◽  
pp. 921
Author(s):  
André-Philippe Drapeau Drapeau Picard ◽  
Marjolaine Giroux ◽  
Michel Saint-Germain ◽  
Maxim Larrivée
Keyword(s):  
Scientific Information ◽  
Information Service ◽  
Relevant Information ◽  
Popillia Japonica ◽  
Sources Of Information ◽  
Japanese Beetle ◽  
The Public ◽  
Leptoglossus Occidentalis ◽  
Insect Interactions

In general, insects and arthropods polarizing: they either fascinate people, disgust people, or both, and they generate lots of questions. Museums are perceived as reliable sources of information and, as such, a go-to destination for the public to receive answers. Since its opening in 1990, the Montreal Insectarium has offered an entomological information service, allowing the public to send questions, photographs, and specimens for identification. All requests are answered by entomologists. Spatiotemporal variations in taxonomic, geographic, and thematic profiles of the 4163 requests received in 2010–2011 and 2017–2018 were analyzed. Requests came from 35 countries, and most of those requests came from Canada. The majority of requests were identification requests. Representing 25% of identification requests, the five most frequent species were the eastern dobsonfly Corydalus cornutus, the masked hunter Reduvius personatus, the giant water bug Lethocerus americanus, the western conifer-seed bug Leptoglossus occidentalis, and the Japanese beetle Popillia japonica. A comparison with the data from the citizen science platform iNaturalist shows that the EIS can be a valuable tool for invasive species detection. Frequent subjects included school projects, entomophagy (eating insects), and wasp and bee nests. Finally, we discuss the role of entomologists in providing scientific information but also in addressing common concerns regarding cohabitation with arthropods.

scholarly journals The role and importance of internal control and internal audit in the prevention and identification of fraudulent actions in banks

Bankarstvo ◽  
2021 ◽  
Vol 50 (1) ◽  
pp. 66-89
Author(s):  
Snežana Knežević ◽  
Aleksandar Živković ◽  
Stefan Milojević
Keyword(s):  
Economic Development ◽  
Financial Institutions ◽  
Internal Control ◽  
Financial Services ◽  
Internal Audit ◽  
Financial Sector ◽  
Business Environment ◽  
Efficient Management ◽  
Range Of Functions

Modern banks have a specific role and a whole range of functions of paramount importance, as financial institutions for granting loans, creating loans, mobilizing savings and economic development. In the financial sector, there is a growing number of people who are using increasingly innovative and creative ways of targeting all perceived weaknesses in banks and credit approval systems. The persons committing fraud have become increasingly sophisticated, which means that measures to prevent fraud must be constantly developed to ensure that they are able to deal with the threat. The fight against fraud is crucial for financial services institutions. This article aims not only to briefly describe the role of internal control and internal audit in detecting possible fraud in banks, as profit-oriented organizations in today's complex and highly changing business environment, but also to point out the advantages they have in the more efficient management of bank activities.

scholarly journals Terrorist propaganda and the role of media

2010 ◽  
Vol 62 (1) ◽  
pp. 113-135
Author(s):  
Aleksandar Jazic
Keyword(s):  
Mass Media ◽  
Public Diplomacy ◽  
Political Issue ◽  
The Public ◽  
Exchange Information ◽  
Terrorist Groups ◽  
Basic Objective ◽  
The Government

The author considers the basic elements of terrorist propaganda and targets terrorist groups wish to achieve by informing mass media on their acts. In the field of propaganda, they endeavor to point to their presence, objectives and positions by committing certain acts. Every terrorist act is planned so to make its symbolism clearer pointing to the positions of terrorists on some political issue. In order to commit a successful terrorist act it is necessary to carry out a long-term planning in the sphere of propaganda. For that purpose terrorists apply various strategies and tactics. The information of the public in some country on the committed terrorist act is the basic objective of terrorist groups. For this reason they attempt to, above all, attract attention of mass media. In the field of information, terrorism could be best fought by the establishment of co-operation between the government and media that should exchange information. This also implies that media should be more involved in the public diplomacy. .

Identity and Access Management

2011 ◽  
pp. 208-239
Author(s):  
Nick Pullman ◽  
Kevin Streff
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Services Industry ◽  
Access Management ◽  
Broad Concept ◽  
Services Industry

This chapter discusses the role of identity and access management in the financial services industry. Identity and access management is a very broad concept that has far reaching rewards or consequences within an organization. This chapter provides a survey of the topics within identity and access management so that managers and security administrators of financial institutions can gain an understanding of the issues and possible solutions.

The Role of Internet Banking in the Presentation and Marketing of Financial Services and Products in a Digital Environment

2020 ◽  
pp. 162-183
Author(s):  
Berrin Arzu Eren
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Banking Sector ◽  
Internet Banking ◽  
The Internet ◽  
Advantages And Disadvantages ◽  
The World ◽  
Technological Developments ◽  
Use Of Internet

This study aims to reveal the advantages and disadvantages offered by internet banking to financial institutions and their customers as well as the reasons why customers use/do not use internet banking. For this purpose, customers' perspectives on internet banking are presented to the reader in the past and present by statistics. This research points out that many customers of the bank around the world still do not use the internet. Hence, internet banking is not an option. Therefore, in this study, suggestions are made to enable the use of internet banking by the wider masses. In addition to internet banking, technological developments and digital innovations in the banking sector are mentioned in the chapter, and the evolution of internet banking is pointed out.

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