scholarly journals Context-Specific and Firm-Specific Factors and Their Effect on Banking Credit Policies in Post-Unification Southern Italy: A Case Study

2018 ◽  
Vol 13 (8) ◽  
pp. 257
Author(s):  
Puntillo Pina ◽  
Rubino Franco Ernesto ◽  
Cambrea Domenico Rocco

The article presents a case study based on the credit policies of a southern Italian bank, the “Cassa di Risparmio di Calabria”, which operated between 1861 and 1998.The choice of “Cassa di Risparmio di Calabria” is not casual. It is the most important local bank in southern Italy after unification. This study addressed the call for an interdisciplinary approach, using Canergie and Napier’s framework to analyze the credit policies of the Cassa di Risparmio di Calabria.Highlighting the logic of the practice, we adapted Canergie and Napier’s framework investigating which contextual and firm-specific factors most affected the way in which the firm adopted its credit policies emerging from bookkeeping (the research question).Document analyses were used as a means of investigation. In detail, archival sources, both public and business -accounting and non-accounting, as well as statutes and notary protocols, old books, journal and ledgers were analyzed in order to address the research question. Actually, the exploration of the historical dimension of banks and financial institutions has a great potentiality within accounting research and it deserves the attention of accounting scholars.The article contributes to enlarging the knowledge of the functioning of the credit sector in southern Italy after unification. The originality of the article lies in the use of an interdisciplinary approach, specifically the Canergie and Napier framework, to analyze credit policies of a bank.

2020 ◽  
Vol 2 ◽  
pp. 1-24 ◽  
Author(s):  
Deogratius Joseph Mhella

Prior to the advent of mobile money, the banking sector in most of the developing countries excluded certain segments of the population. The excluded populations were deemed as a risk to the banking sector. The banking sector did not work with cash stripped and the financially disenfranchised people. Financial exclusion persisted to incredibly higher levels. Those excluded did not have: bank accounts, savings in financial institutions, access to credit, loan and insurance services. The advent of mobile money moderated the very factors of financial exclusion that the banks failed to resolve. This paper explains how mobile money moderates the factors of financial exclusion that the banks and microfinance institutions have always failed to moderate. The paper seeks to answer the following research question: 'How has mobile money moderated the factors of financial exclusion that other financial institutions failed to resolve between 1960 and 2008? Tanzania has been chosen as a case study to show how mobile has succeeded in moderating financial exclusion in the period after 2008.


Geofluids ◽  
2018 ◽  
Vol 2018 ◽  
pp. 1-15 ◽  
Author(s):  
E. Petrella ◽  
A. Bucci ◽  
K. Ogata ◽  
A. Zanini ◽  
G. Naclerio ◽  
...  

Messinian evaporates are widely distributed in the Mediterranean Sea as outcropping sediments in small marginal basins and in marine cores. Progressive filling of subbasins led to the formation of complex aquifer systems in different regions where hypersaline and fresh water coexist and interact in different manner. It also generates a significant diversification of groundwater hydrochemical signature and different microbial communities. In the case study, the hydrogeology and hydrochemistry of the whole system are influenced by good hydraulic connection between the shallower pyroclastic horizon and the underlying evaporate-bearing fine-grained Messinian succession. This is demonstrated by the merge of hydrogeological, chemical, isotopic, and microbiological data. No mixing with deep ascending waters has been observed. As shown by geophysical, hydraulic, and microbiological investigations, the hydraulic heterogeneity of the Messinian bedrock, mainly due to karstified evaporitic interstrata/lenses, causes the hydraulic head to significantly vary with depth. Somewhere, the head increases with the depth’s increase and artesian flow conditions are locally observed. Moreover, the metagenomic investigations demonstrated the existence of a poor hydraulic connection within the evaporate-bearing fine-grained succession at metric and decametric scales, therefore leading to a patchwork of geochemical (and microbiological) subenvironments.


2019 ◽  
Vol 11 (24) ◽  
pp. 7041
Author(s):  
Tobias Engelmann ◽  
Daniel Fischer ◽  
Marianne Lörchner ◽  
Jaya Bowry ◽  
Holger Rohn

Sustainability as a guiding idea for societal and economic development causes a growing need for reliable sustainability assessments (SAs). In response, a plethora of increasingly sophisticated, standardizAed, and specialized approaches have emerged. However, little attention has been paid to how applications of SAs in different contexts navigate the challenges of selecting and customizing SA approaches for their research purposes. This paper provides an exploration of the context-specific conditions of SA through a case study of three research projects. Each case study explores the different approaches, methodologies, as well as difficulties and similarities that researchers face in “doing” SA based on the research question “What are common challenges that researchers are facing in using SA approaches?” Our case study comparison follows a most different approach for covering a wide range of SA applications and is structured along with three key challenges of doing SA: (i) Deliberation, learning and assessment; (ii) normative assessment principles; (iii) feasibility, especially regarding data quality/availability. Above all, the comparative case study underlines the role and importance of reflexivity and context: We argue that a more explicit and transparent discussion of these challenges could contribute to greater awareness, and thus, to improving the ability of researchers to transparently modify and customize generic SA methodologies to their research contexts. Our findings can help researchers to more critically appraise the differences between SA approaches, as well as their normative assumptions, and guide them to assemble their SA methodology in a reflexive and case-sensitive way.


Ekonomika ◽  
2018 ◽  
Vol 96 (3) ◽  
pp. 102-125 ◽  
Author(s):  
Chiara Cannavale ◽  
Elena Laurenza

The paper addresses the factors influencing the SMEs’ entry choices in international markets and explores two factors: one related to the external environment and one dependent on firms. The first factor is the institutional context as the whole of formal and informal rules of the country target. The second is the market commitment, intended as resources committed in a particular market area: the experience firms get in foreign markets and a general attitude to maintain the international presence for a long period are the main sources of market knowledge. The aim of the study is to understand the effect of company-specific factors and of context-specific factors, namely the market commitment and institutional context, on SMEs’ entry choice mode in foreign markets. The paper develops a multiple case study analysis of four small international Italian firms. Built on the institutional theory and on the market commitment construct, the paper offers a conceptual model that shows that the institutional context strongly influences the amount of resources involved in the internationalization process, while the market commitment affects more the complexity – and intensity – of the process.


1996 ◽  
Vol 32 ◽  
pp. 83-94 ◽  
Author(s):  
Sarah Hamilton

In the spring of 999 the Emperor Otto III went on pilgrimage to the shrine of the Archangel Michael at Monte Gargano in southern Italy. His pilgrimage was not widely recorded; it was not referred to in any of the works produced in the Empire in the next half century, and only briefly mentioned in three South Italian works. But Otto’s pilgrimage was described more extensively in the eleventh-century vitae of two saints: the anonymous Greek Vita Nili and Peter Damian’s Vita Beati Romualdi. This article will make a case-study of the way in which the authors of these vitae used Otto’s pilgrimage to help construct the sanctity of their own subject, and of how far this reflects the degree of unity, and of diversity, between the Greek and Latin traditions of the Church in southern Italy in the first half of the eleventh century.


Author(s):  
Khairul Shafee B Kalid

Storytelling is part of our daily life. Everybody tells stories everyday without even realizing it. Storytelling has always been used in knowledge transfer. This chapter attempts to explore the usage of knowledge-embedded stories in a Malaysian institute of higher learning and will consider the understanding of organization members concerning storytelling in knowledge management and the facilitators and barriers of implementing storytelling. The significant of this study is that it provides insights on the culture of storytelling as a method of knowledge transfer in a Malaysian institute of higher learning. This study examines how other organizations are establishing storytelling practices and the way knowledge-embedded stories are being used. This study explores the practice of storytelling as a knowledge transfer medium and explores the practicality of using stories in the organization and the employees’ perception of the usage of stories to transfer knowledge. This case reveals that storytelling is regarded as an acceptable approach in knowledge transfer. It is demonstrated through gathering sessions that stimulate storytelling. The case also presented context-specific factors that influence KM storytelling.


Author(s):  
Deogratius Joseph Mhella

Prior to the advent of mobile money, the banking sector in most of the developing countries excluded certain segments of the population. The excluded populations were deemed as a risk to the banking sector. The banking sector did not work with cash stripped and financially disenfranchised people. Financial exclusion persisted to incredibly higher levels. Those excluded did not have bank accounts, savings in financial institutions, access to credit, loans, and insurance services. The advent of mobile money moderated the very factors of financial exclusion that the banks failed to resolve. This paper explains how mobile money moderates the factors of financial exclusion that the banks and microfinance institutions have always failed to moderate. The paper seeks to answer the following research question: 'How has mobile money moderated the factors of financial exclusion that other financial institutions failed to resolve between 1960 and 2008? Tanzania has been chosen as a case study to show how mobile has succeeded in moderating financial exclusion in the period after 2008.


2011 ◽  
Vol 10 (2) ◽  
pp. 219-228 ◽  
Author(s):  
Teresa Rees ◽  
Paul Chaney

The creation of a ‘regional’ legislature for Wales in 1999 presents the opportunity to evaluate the promotion of equality and human rights in the context of multi-level governance in the UK. A decade on, positive aspects include the political reprioritisation of equalities in policy and law and new forms of representative and discursive politics. However, significant shortcomings are also evident. Overall, the Wales case study suggests that sub-unitary-state legislatures have the potential to tailor equalities policies to meet local needs more effectively, yet progress may be arrested by context-specific factors, as well as those that resonate with the international literature on mainstreaming equalities in the work of government.


Author(s):  
Abhishek Sinha ◽  
Suresh Kerani

Research Question: What is the role of Proxy Advisory Firms in protecting the interests of the non-promoter shareholders? Links to theory: This case study demonstrates how agency cost type 2 may lead to a conflict of interest between the promoters and the financial institutions. It also takes into consideration how the information asymmetry can be alleviated using proxy advisory services. Phenomenon studied: The case study explores the role of proxy advisory firms in influencing the votes of non-promoter shareholders at a general body meeting and its impact on the passage of resolution. Case Context: The case explores the role of shareholder activism in general and proxy firms in particular to protect the interests of minority shareholders at STFC where financial institutions have substantial stake vis-a-vis the promoters. Findings: The case study findings suggest that proxy advisory firms have now earned the confidence of the financial institutions and non-promoter investors. This adds vital fire power to the shareholder activism movement in India. However, the company’s stance that the report was based on quantitative factors and Puneet Bhatia’s contribution has been ignored calls for a more robust method of arriving at recommendations. The role of TPG in directing Puneet not to join should also be commended. Discussion: The case study examines in detail the growing influence of proxy advisory firms on voting by financial institutions in annual general body meetings. It raises the issue of whether quantitative metrics such as number of meetings attended can overshadow the qualitative inputs and contributions made by a director. The need for financial institutions to think beyond their interests and consider actively recommendations by proxy advisory firms is also highlighted. Are minority shareholders’ concerns now being better addressed in annual general body meetings is another development the case throws light on. Corporate governance norms in the context of roles and duties of directors is also touched upon.


2018 ◽  
Vol 1 (2) ◽  
pp. 60-72
Author(s):  
Mansour Safran

This aims to review and analyze the Jordanian experiment in the developmental regional planning field within the decentralized managerial methods, which is considered one of the primary basic provisions for applying and success of this kind of planning. The study shoed that Jordan has passed important steps in the way for implanting the decentralized administration, but these steps are still not enough to established the effective and active regional planning. The study reveled that there are many problems facing the decentralized regional planning in Jordan, despite of the clear goals that this planning is trying to achieve. These problems have resulted from the existing relationship between the decentralized administration process’ dimensions from one side, and between its levels which ranged from weak to medium decentralization from the other side, In spite of the official trends aiming at applying more of the decentralized administrative policies, still high portion of these procedures are theoretical, did not yet find a way to reality. Because any progress or success at the level of applying the decentralized administrative policies doubtless means greater effectiveness and influence on the development regional planning in life of the residents in the kingdom’s different regions. So, it is important to go a head in applying more steps and decentralized administrative procedures, gradually and continuously to guarantee the control over any negative effects that might result from Appling this kind of systems.   © 2018 JASET, International Scholars and Researchers Association


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