Analysis of the current state of microfinance services of non-bank credit institutions

2021 ◽  
Vol 10 (2) ◽  
pp. 142-147
Author(s):  
Nilufar Ilhomovna Sultanova
Keyword(s):  
Bank Credit ◽  
Current State ◽  
Credit Institutions

Forecast and Development Prospects of the Russian Mortgage Market

2021 ◽  
Vol 9 (4) ◽  
pp. 57-66
Author(s):  
D. Stepanova ◽  
D. Mironova
Keyword(s):  
Factor Analysis ◽  
Interest Rates ◽  
Market Analysis ◽  
Mortgage Market ◽  
Mortgage Loans ◽  
Current State ◽  
Federal Districts ◽  
Further Development ◽  
Development Prospects ◽  
Credit Institutions

The study discusses the current state of the mortgage market in Russia, identifies its main trends and trends of further development based on the results of market analysis for 2018-2020. The dynamics of the volume of issued housing mortgage loans in Russia as a whole and in the context of federal districts, the dynamics of interest rates for various types of mortgages are presented, the trend of reduction of credit institutions providing mortgage loans is analyzed, and the rating of Russian banks in terms of the volume of mortgage loans is presented. A factor analysis of the volume dynamics of housing mortgage loans is carried out, and the preconditions for the growth of the Russian mortgage market are identified.

scholarly journals CREDIT MARKET DEVELOPMENT DIRECTIONS IN MODERN UKRAINIAN CONDITIONS

2020 ◽  
Vol 2 (155) ◽  
pp. 34-40
Author(s):  
V. Verbytska ◽  
V. Bredikhin
Keyword(s):  
Banking System ◽  
Factors Affecting ◽  
Consumer Loans ◽  
Current State ◽  
Consumer Lending ◽  
The Status ◽  
Banking Institutions ◽  
Legitimate Interests ◽  
The Stability ◽  
Credit Institutions

The article is devoted to the review of the current state, problems and directions of improving the activities of banking and microfinance organizations (MFIs) in the lending market. The methods of attracting customers to obtain loans are analyzed and the international experience of banking and non-banking organizations in the field of lending to the population is investigated. It was concluded that the economic development of the state not only implies, but also requires the development of market lending mechanisms that can not only provide banking institutions with a profit, but also ensure stable economic growth. In addition, it should be noted that there is a different focus on research in this area, as well as the lack of a unified approach to determining directions for improving lending competitiveness, and the mismatch between the chosen strategies for the real situation that has developed in Ukraine. It has been established that the largest share in the lending market belongs to consumer loans, classic loans to individuals, when borrowed funds are taken to pay for various necessities of life. At the same time, the presence of negative trends and factors affecting the stability and stability of the banking system has been identified, which makes it necessary to study and constantly monitor the status of consumer lending in order to identify potential problems. It is stated that at present, to expand the client market of credit institutions, it is necessary not only to expand the range of items provided under credit, but also to disseminate information and promote these services on the market. The main ways to attract customers to obtain loans and events that are actively used by credit institutions around the world are identified. The opinion of leading experts on the need to address a number of tasks to ensure the rights and legitimate interests of borrowers in the field of consumer lending is recorded. The principles of building a hierarchical system for working with loan applications are outlined. Keywords: lending, banking institutions, macro-financial organizations, borrower, money market, profitability, interest.

scholarly journals THE ROLE OF MICROFINANCE IN ADDRESSING FINANCIAL SERVICES

2017 ◽  
pp. 4-9
Author(s):  
I. P. Vishnyakov
Keyword(s):  
Financial Services ◽  
Small Businesses ◽  
Positive Impact ◽  
Bank Credit ◽  
Resource Base ◽  
Self Employment ◽  
Further Development ◽  
Potential Customers ◽  
Credit Institutions

The Article is devoted to present the problem of microlending to small businesses. Microfinance encourages self-employment of the population and the development of domestic small and micro business.based on the methods of analysis, synthesis, generalization and scientific abstraction, we can conclude that domestic MFIs begin to perform the function of satisfaction in the financial services population, small and micro enterprises in terms when these subjects of the economy are unavailable or inaccessible services of credit institutions (both banks and non-Bank credit institutions). Despite the positive impact of MFIs on the domestic economy, their activities could be more effective. Currently, MFIs are not able to fully Udo-uletaite the demand for financial services, including due to the low resource base of the MFIs. Independently MFI can solve this problem at the expense of increase of tariffs for the services rendered that would affect the availability of their services and in result will prevent the solution of the problem of expanding the range of potential customers of financial services. In the interests of further development of MFIs of expanding access to financial services is proposed to develop measures for a substantial increase in the resource base of MFIs, providing them with available funding.

Impact of Microfinance Bank Credit Scheme

2014 ◽  
pp. 1081-1093
Author(s):  
Benjamin Chijioke Asogwa ◽  
Peter Iorhon Ater ◽  
Sani Madi Yakubu
Keyword(s):  
Organizational Structure ◽  
Bank Credit ◽  
Microfinance Institutions ◽  
Farm Production ◽  
Major Constraint ◽  
Using Data ◽  
Credit Institutions

The purpose of this chapter is to examine impact of microfinance bank credit scheme on maize farmers in Gombe State, Nigeria, using data from 90 randomly sampled maize farmers in Gombe State. The study showed that majority of the respondents (53.33%) accessed amount of credit ranging between 30,000 and less than 50,000 Naira. Majority of the farmers (85.56%) used their credit for the purpose of farm production. Majority of respondents (58.89%) recorded in increase in maize output as result of the intervention of the microfinance credit scheme. Majority of the respondents (86.67%) repaid credit collected. The microfinance credit scheme intervention significantly improved the output and income of the respondents. Ineffective organizational structure of the credit institutions constituted the major constraint in accessing microfinance credits. Microfinance credit facilities extended to the farmers should be improved upon in both quantity and quality. The organizational structure of microfinance institutions should be reorganized to reduce bottlenecks in accessing credits.

Impact of Microfinance Bank Credit Scheme

2014 ◽  
pp. 158-171 ◽  
Author(s):  
Benjamin Chijioke Asogwa ◽  
Peter Iorhon Ater ◽  
Sani Madi Yakubu
Keyword(s):  
Organizational Structure ◽  
Bank Credit ◽  
Microfinance Institutions ◽  
Farm Production ◽  
Major Constraint ◽  
Using Data ◽  
Credit Institutions

The purpose of this chapter is to examine impact of microfinance bank credit scheme on maize farmers in Gombe State, Nigeria, using data from 90 randomly sampled maize farmers in Gombe State. The study showed that majority of the respondents (53.33%) accessed amount of credit ranging between 30,000 and less than 50,000 Naira. Majority of the farmers (85.56%) used their credit for the purpose of farm production. Majority of respondents (58.89%) recorded in increase in maize output as result of the intervention of the microfinance credit scheme. Majority of the respondents (86.67%) repaid credit collected. The microfinance credit scheme intervention significantly improved the output and income of the respondents. Ineffective organizational structure of the credit institutions constituted the major constraint in accessing microfinance credits. Microfinance credit facilities extended to the farmers should be improved upon in both quantity and quality. The organizational structure of microfinance institutions should be reorganized to reduce bottlenecks in accessing credits.

scholarly journals Artificial Bankruptcy of Credit Institutions and Illegal Withdrawal of Bank Assets Abroad

2017 ◽  
Vol 4 (4) ◽  
pp. 61-67
Author(s):  
S V Bazhanov
Keyword(s):  
Russian Federation ◽  
Banking Sector ◽  
Preventive Measures ◽  
Legal Regulation ◽  
Economic Activities ◽  
Current State ◽  
Bank Secrecy ◽  
Money Flows ◽  
The Russian Federation ◽  
Credit Institutions

Since the early 1990 in the Russian Federation there is a continuous outflow of capital abroad, as a result of which the assets earned by Russian businessmen, instead of investing in the domestic economy, go to support the civilized existence of «developed» bourgeois countries. For these purposes, the developed organizational and regulatory legal infrastructure is used. The bulk of fictitious operations and non- return of funds is carried out through a network of «laundering» banks, offshore companies and «one-day firms». Stable, highly professional organized transnational groups have been formed, including notaries, consulting companies, credit organizations, trust funds specializing in the withdrawal of capital and its placement in offshore zones or in countries with which the Russian Federation has concluded treaties in order to avoid double taxation. Methods of capital withdrawal are diverse, demand for them is provided by a developed infrastructure, legal and illegal mechanisms are closely intertwined, which complicates their timely detection and suppression.The Bank of Russia is doing a great job of neutralizing the shadow money flows of brokers and microfinance organizations (MFI), as well as transit operations used to withdraw assets abroad, in the context of which about 300 banks operating on the domestic market lost their licenses, although they are involved in the transactions described not only credit organizations, but also other subjects of financial legal relations, related, including with the circulation of securities.In the light of the above, the problem of improving the regulatory legal regulation and departmental (bank), as well as prosecutorial supervision over the execution of laws by the subjects of the credit and banking sector of the economy, including credit and non-credit financial organizations (NFO), taking into account the nature, scope and specificity of their activities, is actualized. An analysis of the current situation shows that the majority of used, constantly modifiable schemes for the withdrawal of bank assets abroad, the transfer of cashless cash into cash is preceded by multi-way payment chains for accounts of all kinds of Russian organizations. In this case, the transit companies involved in them do not, as a rule, carry out real financial and economic activities. Taxes and other mandatory payments are paid by them on a minimal scale or are not paid at all, and the operations conducted do not have a visible economic meaning.The management of the Bank of Russia regularly monitors the banking sector of the economy in order to track them in time and take appropriate preventive measures. Attention of credit institutions is drawn to transit operations with the isolation of inherent characteristics, for which purpose the regulator prepared, in particular, Letter No. 236-T of December 31, 2014 «On increasing the attention of credit institutions to individual customer transactions».This article examines the factors associated with the illegal withdrawal of bank assets abroad, including the artificial bankruptcy of credit institutions, complicated by the current state of the institution of bank secrecy.

ESEM - A multipurpose surface Electron Microscope

1986 ◽  
Vol 44 ◽  
pp. 632-633 ◽  
Author(s):  
G.D. Danilatos
Keyword(s):  
Electron Microscope ◽  
Room Temperature ◽  
Environmental Scanning ◽  
Gas Composition ◽  
Saturated Water Vapor ◽  
Surface Electron ◽  
Current State ◽  
Saturated Water ◽  
New Type ◽  
Temperature And Pressure

Over recent years a new type of electron microscope - the environmental scanning electron microscope (ESEM) - has been developed for the examination of specimen surfaces in the presence of gases. A detailed series of reports on the system has appeared elsewhere. A review summary of the current state and potential of the system is presented here.The gas composition, temperature and pressure can be varied in the specimen chamber of the ESEM. With air, the pressure can be up to one atmosphere (about 1000 mbar). Environments with fully saturated water vapor only at room temperature (20-30 mbar) can be easily maintained whilst liquid water or other solutions, together with uncoated specimens, can be imaged routinely during various applications.

Recent applications of TEM to the study of interfaces

1990 ◽  
Vol 48 (4) ◽  
pp. 308-309
Author(s):  
C. Barry Carter
Keyword(s):  
High Resolution ◽  
Sample Preparation ◽  
Grain Boundaries ◽  
Diffuse Scattering ◽  
Imaging Techniques ◽  
Amorphous Material ◽  
Contrast Imaging ◽  
Current State ◽  
Actual Nature ◽  
High Resolution Images

This paper will review the current state of understanding of interface structure and highlight some of the future needs and problems which must be overcome. The study of this subject can be separated into three different topics: 1) the fundamental electron microscopy aspects, 2) material-specific features of the study and 3) the characteristics of the particular interfaces. The two topics which are relevant to most studies are the choice of imaging techniques and sample preparation. The techniques used to study interfaces in the TEM include high-resolution imaging, conventional diffraction-contrast imaging, and phase-contrast imaging (Fresnel fringe images, diffuse scattering). The material studied affects not only the characteristics of the interfaces (through changes in bonding, etc.) but also the method used for sample preparation which may in turn have a significant affect on the resulting image. Finally, the actual nature and geometry of the interface must be considered. For example, it has become increasingly clear that the plane of the interface is particularly important whenever at least one of the adjoining grains is crystalline.A particularly productive approach to the study of interfaces is to combine different imaging techniques as illustrated in the study of grain boundaries in alumina. In this case, the conventional imaging approach showed that most grain boundaries in ion-thinned samples are grooved at the grain boundary although the extent of this grooving clearly depends on the crystallography of the surface. The use of diffuse scattering (from amorphous regions) gives invaluable information here since it can be used to confirm directly that surface grooving does occur and that the grooves can fill with amorphous material during sample preparation (see Fig. 1). Extensive use of image simulation has shown that, although information concerning the interface can be obtained from Fresnel-fringe images, the introduction of artifacts through sample preparation cannot be lightly ignored. The Fresnel-fringe simulation has been carried out using a commercial multislice program (TEMPAS) which was intended for simulation of high-resolution images.

Proteasome inhibitors as therapeutics

2005 ◽  
Vol 41 ◽  
pp. 205-218
Author(s):  
Constantine S. Mitsiades ◽  
Nicholas Mitsiades ◽  
Teru Hideshima ◽  
Paul G. Richardson ◽  
Kenneth C. Anderson
Keyword(s):  
Multiple Myeloma ◽  
Drug Class ◽  
Proteasome Inhibitors ◽  
Cell Cycle Regulators ◽  
Current State ◽  
Intracellular Mechanism ◽  
Ubiquitin Proteasome ◽  
Proteasome Pathway ◽  
Hodgkin's Lymphomas ◽  
Clinical Research Data

The ubiquitin–proteasome pathway is a principle intracellular mechanism for controlled protein degradation and has recently emerged as an attractive target for anticancer therapies, because of the pleiotropic cell-cycle regulators and modulators of apoptosis that are controlled by proteasome function. In this chapter, we review the current state of the field of proteasome inhibitors and their prototypic member, bortezomib, which was recently approved by the U.S. Food and Drug Administration for the treatment of advanced multiple myeloma. Particular emphasis is placed on the pre-clinical research data that became the basis for eventual clinical applications of proteasome inhibitors, an overview of the clinical development of this exciting drug class in multiple myeloma, and a appraisal of possible uses in other haematological malignancies, such non-Hodgkin's lymphomas.

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