scholarly journals The Determinants of the Confidi Delinquency Rate

2018 ◽  
Vol 13 (4) ◽  
pp. 87
Author(s):  
Alessio Bongiovanni ◽  
Cristina Rovera
Keyword(s):  
Regression Model ◽  
Economic Crisis ◽  
Financial Institutions ◽  
Intermediate Position ◽  
Social Implications ◽  
Policy Makers ◽  
Balance Sheets ◽  
Delinquency Rate

This study is focused on the Italian confidi, the financial institutions placed in an intermediate position between lenders and borrowers, because they offer guarantees care of banks to the associated SMEs. During the last years some of the most important guarantee institutions failed, because of bad and doubtful credits. The main aim of the research is to determine the responsible factors about their delinquency rate. The analysis is realized on 99 confidi during 2006-2015 (10 years). The data about 2016 are not usable, because the Italian confidi are living a change in the accountings standards, making it impossible a comparison between the balance sheets. The regression model show that the difficulties in credit collections essentially depend to the economic crisis and to the bad management of the organizations. We cannot also forget the practical and social implications of the study. The forecasting of the riskier confidi will help the Italian policy makers both in the individuation of correct instruments of rescue and in finding a solution for another important problem: the unemployment.

scholarly journals EL PAPEL DE LA INFORMACIÓN FINANCIERA EN LA EVOLUCIÓN RECIENTE DEL SECTOR BANCARIO ESPAÑOL

2016 ◽  
Author(s):  
Mª del Consuelo Ruiz Rodríguez ◽  
Francisca Castilla Polo
Keyword(s):  
Economic Crisis ◽  
Financial Institutions ◽  
Financial System ◽  
Financial Measures ◽  
Balance Sheets ◽  
El Sistema ◽  
Financial Strategies

En este trabajo nos dedicamos a analizar el importante número de medidas adoptadas sobre el Sistema Financiero Español ante la crisis económica de los últimos años, así como a estudiar su repercusión en las estrategias contables de las entidades financieras, en un intento de adaptarse a tales cambios. Analizaremos las principales medidas financieras planteadas en los últimos años distinguiendo entre las encaminadas a aumentar la liquidez y las centradas en aumentar la solvencia de la entidad, todo ello con el propósito de conseguir ofrecer una visión agregada de los efectos de tales medidas en la información financiera que elaboran estas entidades, que nos permita deducir la oportunidad y conveniencia logradas por tal proceso de reforma.ABSTRACTThis paper is dedicated to analyze the large number of measures taken on the Spanish financial system before the economic crisis of recent years and to study their impact on financial strategies of financial institutions, in an attempt to adapt to such changes. Analyze key financial measures referred to our financial system since the early beginnings of the crisis, distinguishing between measures to increase liquidity and regain the confidence of investors and measures focused on increasing the solvency and transparency of the entity and its accounting impact on the balance sheets of financial institutions, all with the proposal to achieving offer an aggregate view of the effects of such measures on bank accounting that allows us to deduce the opportunity and convenience achieved.

scholarly journals Cesión de préstamos hipotecarios : a propósito de su inscripción en el registro de la propiedad

2012 ◽  
Author(s):  
Soraya Callejo Carrión
Keyword(s):  
Economic Crisis ◽  
Financial Institutions ◽  
Economic Situation ◽  
Balance Sheets ◽  
Legal Requirement ◽  
Mortgage Credit

La cesión de créditos hipotecarios no es un fenómeno nuevo, si bien, a consecuencia de la crisis económica, algunas entidades financieras están procediendo de forma masiva a la cesión de sus créditos en un intento por mejorar sus balances y su propia situación económica. De ahí que el régimen jurídico de dicha cesión adquiera una relevancia evidente. Una de las cuestiones que más problemática está suscitando en la materia es la que tiene que ver con la inscripción de estas cesiones en el Registro de la Propiedad. Para algunos tribunales dicha inscripción es puramente declarativa, para otros tiene alcance constitutivo y, en ese contexto, muchas ejecuciones se esta viendo paralizadas ante la exigencia judicial de proceder a la inscripción de aquellas cesiones que no estuvieran inscritas. Asimismo, la cuestión suscitada en torno al valor declarativo o constitutivo de la cesión del crédito hipotecario tiene capital importancia a la hora de resolver si el cesionario no inscrito tiene legitimación para acudir al proceso de ejecución especial. Estas y otras cuestiones se tratan en el presente artículo.The assignment of mortgage is not a new phenomenon, but as a result of the economic crisis, some financial institutions are proceeding en masse to the transfer of their credits in an attempt to improve their balance sheets and their own economic situation. Hence the legal purchase of such assignment obvious relevance. One of the most problematic issues is raising the matter is that which has to do with the registration of these assignments in the Land Registry. For some courts that registration is purely declarative, others have scope incorporation and, in that context, many executions are seeing paralyzed before the legal requirement to proceed to the registration of those transfers that were not registered. Also, questions on declarative or constitutive value of the assignment of mortgage credit is of paramount importance when deciding whether the assignee has standing registered to attend the special execution process. These and other questions are addressed in this article.

The Impact of Economic Crisis on Tourism Industry: A Bangladesh Perspective

2016 ◽  
Vol 2 (1) ◽  
Author(s):  
Md. Ziaul Haque
Keyword(s):  
Economic Crisis ◽  
Tourism Industry ◽  
Political Crisis ◽  
Strong Impact ◽  
Negative Consequences ◽  
Policy Makers ◽  
Tourism Product ◽  
International Tourist ◽  
Sustained Recovery ◽  
The Impact

The tourism sector is experiencing numerous challenges as a result of the global economic crisis. After a significant contraction in 2009, tourism rebounded strongly  in  2010  and  in  2011  the  international  tourist  arrivals  and  receipts  are projected to increase substantially. The Tourism industry is expected to show a sustained recovery in 2012. The crisis has particularly strong impact and slightly negative consequences in Bangladesh. The country is undergoing a political crisis, as well, and it seems that the forthcoming elections may be the only solution for the restoration of stability and social peace.  In addition, tourism can be the driving force behind Bangladesh economic recovery. However, for its achievement the country’s policy makers should take several measures towards restructuring and improving the sector. These measures include: enhancement of alternative forms of tourism; environmental protection; creation of quality infrastructure; and boost of competitiveness through a tourism product that offers value for money

The Impact Of Economic Crisis On Tourism Industry: A Bangladesh Perspective

2015 ◽  
Vol 1 (1) ◽  
pp. 15
Author(s):  
Md. Ziaul Haque
Keyword(s):  
Economic Crisis ◽  
Tourism Industry ◽  
Political Crisis ◽  
Strong Impact ◽  
Negative Consequences ◽  
Policy Makers ◽  
Tourism Product ◽  
International Tourist ◽  
Sustained Recovery ◽  
The Impact

The tourism sector is experiencing numerous challenges as a result of the global economic crisis. After a significant contraction in 2009, tourism rebounded strongly  in  2010  and  in  2011  the  international  tourist  arrivals  and  receipts  are projected to increase substantially. The Tourism industry is expected to show a sustained recovery in 2012. The crisis has particularly strong impact and slightly negative consequences in Bangladesh. The country is undergoing a political crisis, as well, and it seems that the forthcoming elections may be the only solution for the restoration of stability and social peace.  In addition, tourism can be the driving force behind Bangladesh economic recovery. However, for its achievement the country’s policy makers should take several measures towards restructuring and improving the sector. These measures include: enhancement of alternative forms of tourism; environmental protection; creation of quality infrastructure; and boost of competitiveness through a tourism product that offers value for money

Anti-corruption in History

2017 ◽  
Keyword(s):  
Financial Institutions ◽  
Global Media ◽  
Policy Makers ◽  
The Past ◽  
Human Wellbeing ◽  
Modern Period ◽  
Legitimate Power ◽  
Wide Range ◽  
Scant Attention ◽  
Over Time

Anticorruption in History is the first major collection of case studies on how past societies and polities, in and beyond Europe, defined legitimate power in terms of fighting corruption and designed specific mechanisms to pursue that agenda. It is a timely book: corruption is widely seen today as a major problem, undermining trust in government, financial institutions, economic efficiency, the principle of equality before the law and human wellbeing in general. Corruption, in short, is a major hurdle on the “path to Denmark”—a feted blueprint for stable and successful statebuilding. The resonance of this view explains why efforts to promote anticorruption policies have proliferated in recent years. But while the subjects of corruption and anticorruption have captured the attention of politicians, scholars, NGOs and the global media, scant attention has been paid to the link between corruption and the change of anticorruption policies over time and place. Such a historical approach could help explain major moments of change in the past as well as reasons for the success and failure of specific anticorruption policies and their relation to a country’s image (of itself or as construed from outside) as being more or less corrupt. It is precisely this scholarly lacuna that the present volume intends to begin to fill. A wide range of historical contexts are addressed, ranging from the ancient to the modern period, with specific insights for policy makers offered throughout.

scholarly journals Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19

2021 ◽  
Vol 7 (1) ◽  
pp. 333
Author(s):  
Winda Hidayanti ◽  
Hesty Juan Kirana ◽  
Anisya May Yustitia ◽  
Harnum Widyaningrum ◽  
Tulasmi Tulasmi ◽  
...  
Keyword(s):  
Economic Crisis ◽  
Financial Institutions ◽  
Research Method ◽  
Financial Institution ◽  
Qualitative Approach ◽  
Interview Techniques ◽  
Made In ◽  
Descriptive Qualitative

The research is a Case Study of Troubled Financing Handling at BMT Hubbul Wathon in the Covid-19 Pandemic. The research method uses a descriptive qualitative approach. In collecting data, researchers used interview techniques with BMT about policies to deal with the economic crisis during the Covid-19 Pandemic. BMT Hubbul Wathon Sumowono is one of the non-bank syari'ah financial institutions that issues a lot of financing products, such as Mudharabah, Musyarakah, Murabahah, and Ijarah financing. In providing financing to customers, an agreement is made in the BMT institution, in which there are several provisions that must be agreed upon by both parties. During the Covid-19 Pandemic, BMT Hubbul Wathon experienced a decrease in both savings, financing and installments. In the Covid-19 Pandemic as well, problematic financing at BMT Hubbul Wathon Sumowono increased by 5% when compared to the financing provided before the Covid-19 Pandemic. Therefore, this non-bank syari'ah financial institution issued several measures or policies including maintaining liquidity, restrictions in providing financing, and also by adding new customer members.

scholarly journals Financial Stability and Climate Change

2020 ◽  
Vol 9 (3) ◽  
pp. 27-43
Author(s):  
Nikola Fabris
Keyword(s):  
Climate Change ◽  
Financial Institutions ◽  
Financial Stability ◽  
Financial Risk ◽  
Negative Impact ◽  
Weather Conditions ◽  
Extreme Weather ◽  
Financial Risks ◽  
Balance Sheets ◽  
Sea Levels

AbstractFighting climate change is one of the biggest challenges in the 21st century. Climate change that leads to global warming has been increasingly visible in our environment. Extreme weather conditions such as hurricanes, floods, and droughts have been escalating and their acceleration can be expected in the future. They cause changes in sea levels, epidemics, large fires, etc. Increasingly, we are witnessing minor or major damage caused by these extreme weather conditions. Numerous studies have proven that climate change has negative impact on economic growth and prosperity. However, this paper starts from the premise that in addition to unequivocally identified threats, climate change also creates opportunities.The paper reaches a conclusion that climate change can adversely affect balance sheets of financial institutions. Therefore, climate change is a source of financial risk and thus a part of the mandate of central banks and supervisors in preserving financial stability. This type of risk has not been given enough attention by either supervisors or financial institutions over the past period. This paper develops a model for managing financial risks as a result of climate change.

Active Commuting to School Among 36, 781 Spanish Children and Adolescents: A Temporal Trend Study

2020 ◽  
Author(s):  
Patricia Gálvez-Fernández ◽  
Manuel Herrador-Colmenero ◽  
Irene Esteban-Cornejo ◽  
José Castro-Piñero ◽  
Javier Molina-García ◽  
...  
Keyword(s):  
Children And Adolescents ◽  
Economic Crisis ◽  
Secondary Analysis ◽  
Active Commuting ◽  
Policy Makers ◽  
Active Commuting To School ◽  
Time Period ◽  
Health Practitioners ◽  
Public Health Practitioners

Abstract Background Active commuting to school (ACS) is an important source to increase the total daily physical activity in youth and improve their health. How the ACS rates change along the time is of interest. The objective of this study was to examine trends in the rates of ACS in a large sample of Spanish children and adolescents aged 6–18 years from 2010 to 2017. The study period included the economic crisis in Spain (2008 to 2013) and secondary analysis was conducted to compare ACS rates during and after the economic crisis. Methods To investigate trends in ACS among Spanish children and adolescents, data were obtained from 28 studies conducted across Spain. The study sample comprised 18,343 children (6 to 11.9 years old; 50.5% girls) and 18,438 adolescents (12 to 18 years old; 49.5% girls). The overall trends in ACS were evaluated using multilevel logistic regression analysis. Results The rates of ACS in Spanish children and adolescents did not change significantly during the 2010–2017 period, except a sporadic increase in the rate of ACS in adolescents in 2012–2013. No significant association between the ACS and the economic crisis time period in either children or adolescents were found. These findings are in contrast to recently reported declines in ACS rates in other countries. Conclusions Strong partnerships between researchers, public health practitioners, policy-makers and communities, as well as long-term commitment and evaluations of interventions aiming to increase ACS are necessary to ensure positive results in the long term.

18. Globalization, Development, and Security

2015 ◽  
Author(s):  
Nana K. Poku ◽  
Jacqueline Therkelsen
Keyword(s):  
Case Studies ◽  
Economic Crisis ◽  
Financial Institutions ◽  
Structural Adjustment ◽  
Developing World ◽  
Global Scale ◽  
International Financial Institutions ◽  
Neoliberal Ideology ◽  
Structural Adjustment Programmes ◽  
Harmful Effects

This chapter explores the interrelationships between globalization, development, and security. It shows how globalization, as a neoliberal ideology for development promoted by key international financial institutions, deepens inequality between and within nations on a global scale. This exacerbates global insecurity through a growing sense of injustice and grievance that may lead to rebellion and radicalization. The chapter first considers the neoliberalism of globalization before presenting the case for conceptualizing globalization as a neoliberal ideology for development. It then discusses the legacy of structural adjustment programmes and the harmful effects of neoliberal ideology on societies, particularly across the developing world. Finally, it looks at two case studies to illustrate the link between uneven globalization and global insecurity: the Egypt uprising of 2011 and the Greek economic crisis of 2010.

Press Subsidies

2018 ◽  
Author(s):  
Mart Ots ◽  
Robert G. Picard
Keyword(s):  
Social Media ◽  
Economic Crisis ◽  
Public Interest ◽  
Policy Initiative ◽  
State Support ◽  
Policy Makers ◽  
Fourth Estate ◽  
The World ◽  
Production And Distribution ◽  
Social Media Platforms

Due to its function as a watchdog or fourth estate in democratic societies and a variety of commercial challenges, policy-makers have undertaken initiatives to support the production and distribution of news. Press subsidies are one such policy initiative that particularly aims to provide support to private news producers. Paid as direct cash handouts or indirect reduced taxes and fees, they exist in some form in almost every country in the world. Subsidies are not uncontroversial, their effectiveness is unclear, and their magnitude, designs, and areas of application, differ across nations and their unique economic, cultural, and political contexts. After periods of declining political and public interest in media subsidies, the recent economic crisis of journalism, and the rising influence of various forms of click-bait, fake, native, or biased news on social media platforms, has brought state support of original journalism back on the agenda.

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