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Jannat Ara PARVEEN
Theoretical and Empirical Researches in Urban Management , 2009,
Abstract: The main focus of this research is to critically evaluate the sustainability issues of Interest-free Micro–Finance Institutions (MFIs) in general and a recently developed micro finance model - Rural Development Scheme (RDS) of Islamic Bank Bangladesh Limited (IBBL) in particular. Recently, in micro finance literature, the term sustainability or self-sustainability” has been discussed and analyzed widely among the practitioners, researchers and policy makers as an important development indicator of both MFIs and its clients. It is well known that only efficient institutions can low the high cost of servicing small and irregular incomes on a sustainable basis. These lower costs can in turn be passed on to the poor/hardcore poor in the form of low finance charges, which leads to contribute their smooth income generating activities. In this context, the present study is an endeavor by the researcher to examine mainly the institutional, financial and economical sustainability of the above model by using various indicators. The empirical analysis of the study reveals that RDS of IBBL has been treated as a sustainable MFI in the rural development and poverty alleviation of Bangladesh with a short span of time of its establishment. Finally, the study also suggests some policy guidelines for the smooth functioning and development of the afreosaid interest –free MFI in any region like Bangladesh.
Contemporary Issues In Interest Free Banking
Indian Streams Research Journal , 2012,
Abstract: Banking Plays an important role in country's economic development. Banks accept deposit from customer and gives Loans and advances to needy persons. Bank charges interest on Loans and advances. In various secular muslim countries special financial Houses were established to offer intrerest free products and services. The special financial Houses only providing financial products and services based on Islamic principles.
Interest Rate Pass-Through and Monetary Transmission in Asia  [cached]
Pih Nee Tai,Siok Kun Sek,Wai Mun Har
International Journal of Economics and Finance , 2012, DOI: 10.5539/ijef.v4n2p163
Abstract: This study seeks to examine the effectiveness of interest rates transmission mechanism from money market rate into retail banking rate in several Asian countries. In particular, we intend to investigate the differences in the degree of pass-through from monetary policy rate into deposit and lending rates across countries and between the pre- and post-crisis of 1997. The study is carried out by running the Seemingly Unrelated Regression (SUR) equations. The results suggest that the transmission rate from money market rate into deposit and lending rates is slow and sluggish across economies. There is no much difference between the pass-through rate into deposit and lending rates but the pass-through into deposit rate is slightly higher than that in lending rate. Most of the countries have slower adjustment rates after the crisis 1997, indicating low effectiveness of monetary policy, imperfect financial market and lower degree of financial integration if these economies. However, there is an exception for Malaysia.
Managing Risks and Liquidity in an interest free banking Framework: The case of the Islamic banks
International Journal of Business and Management , 2009, DOI: 10.5539/ijbm.v3n9p80
Abstract: Risk and liquidity management are not just an interesting topic in Islamic Banking, it is a huge issue for all banks whether Islamic or not and for those who supervise these banks. Good risk management practices and processes do not have a religion or a colour or a country. There are plenty of good risk takers in Islamic Banks and some bad ones. It is the same in the conventional banking sector. Islamic banks have brought a new innovation in the banking industry whereby transactions must pass through owning real physical assets. Risk and liquidity management are of crucial importance in the overall banking environment, and they have clear relevance also to the specific environment of Islamic banking. In itself, Islamic banks are growing rapidly and have their own particular techniques on these issues, as elaborated on in this article. The use of profit-sharing modes in Islamic banks changes the nature of risks faced by these institutions. In this paper we give a brief description of how an Islamic bank performs. We then try to clarify the risks that the Islamic banks are exposed to. We attempt after that to identify the practices of these banks for mitigating it with an emphasize on the liquidity risk and its challenges.
Interest Swaps in Croatian Banking Possibilities of Application
Antun Jurman
Zbornik Radova Ekonomskog Fakulteta u Rijeci : ?asopis za Ekonomsku Teoriju i Praksu , 2004,
Abstract: The author analyzes interest rate trends in the Republic of Croatia within the period 1992-2003. What are the means of protecting against interest risks have also been subject to analysis, although in practice it very often comes down to setting variable interest rates that are fixed by certain banks’ decision-making. The author suggests that fixed interest rates should be applied combined with the variable ones with reference parameters. In addition he deals with main features of interest swaps and the need for their application in Croatian banking, so as to guarantee the parties of the contract: (1) protection against the interest risk, (2) decrease of financing expenses, (3) stable profit and other benefits. Croatian banks may use interest swaps in order to protect their business against interest risk or as intermediaries arrange this kind of business for their clients gaining an extra profit.
Modern Trends of Small Business Banking Micro Crediting Development in Ukraine  [PDF]
M. B. Shmorgai,,N. V. Kriven
Economics of Development , 2011,
Abstract: The problem of low financial support of domestic small business and the necessity to determine the ways and conditions for further micro crediting development in Ukraine make the study of modern banking micro crediting trends topical and up- to- date. The actuality is also determined by understanding оf small business micro crediting essential role in economic growth of the country in general and it’s banking sector in particular.Based on the assessment and analysis of the conditions that can provide further small business micro crediting development in Ukraine the authors of the article suggest some recommendations for banks to enhance their micro crediting programs.Key words: small business, bank, micro crediting, micro credit, international program, trends of development, financial-economic crisis.The article contains 3 tables and 5 references.
Opening discussion on banking sector risk exposures and vulnerabilities from virtual currencies: An operational risk perspective  [PDF]
Gareth W. Peters,Ariane Chapelle,Efstathios Panayi
Computer Science , 2014,
Abstract: We develop the first basic Operational Risk perspective on key risk management issues associated with the development of new forms of electronic currency in the real economy. In particular, we focus on understanding the development of new risks types and the evolution of current risk types as new components of financial institutions arise to cater for an increasing demand for electronic money, micro-payment systems, Virtual money and cryptographic (Crypto) currencies. In particular, this paper proposes a framework of risk identification and assessment applied to Virtual and Crypto currencies from a banking regulation perspective. In doing so, it addresses the topical issues of understanding important key Operational Risk vulnerabilities and exposure risk drivers under the framework of the Basel II/III banking regulation, specifically associated with Virtual and Crypto currencies. This is critical to consider should such alternative currencies continue to grow in utilisation to the point that they enter into the banking sector, through commercial banks and financial institutions who are beginning to contemplate their recognition in terms of deposits, transactions and exchangeability for fiat currencies. We highlight how some of the features of Virtual and Crypto currencies are important drivers of Operational Risk, posing both management and regulatory challenges that must start to be considered and addressed both by regulators, central banks and security exchanges. In this paper we focus purely on the Operational Risk perspective of banks operating in an environment where such electronic Virtual currencies are available. Some aspects of this discussion are directly relevant now, whilst others can be understood as discussions to raise awareness of issues in Operational Risk that will arise as Virtual currency start to interact more widely in the real economy.
Acceptance of Islamic Banking in Muslim Customers A Comparative Study on Flaws of Interest Based Banking vs Positive Aspects of Islamic Banking  [PDF]
International Review of Management and Business Research , 2012, DOI: 20/12/2012
Abstract: The Islamic banking is one of the most rapidly emerging trends in many different parts of the world. The interest based banking system has now been very evident to the economies regarding their impacts on the economies and the individuals involved. The study analyzed the key determinants of the Islamic banking in the banking customers living in Peshawar KPK using a self-administered questionnaire to collect data from the customers. Using a multiple regression model the study analyzed the data collected from a sample of 45 respondents and the results of the study suggest that the positive aspects of the Islamic banking and the flaws of the interests based has a positive relationship with the acceptance of the Islamic banking in Muslims across Peshawar
Mergers and Acquisitions in Banking: Understanding the IT Integration Perspective  [cached]
Serhiy Kovela,Walter Skok
International Journal of Business and Management , 2012, DOI: 10.5539/ijbm.v7n18p69
Abstract: The aim of this exploratory study is to understand the key issues associated with integrating Information Technology (IT) in banking mergers and acquisitions (M&A). The study is undertaken by reviewing a number of high-profile cases and interviewing the IT practitioners who managed the corresponding processes. The result is a comprehensive review of a poorly understood and researched area providing insights into the significance of the IT-related elements in the M&A integration and specifics of the M&A IT integration process. The study concludes by formulating a blueprint layout and integration model describing the timescale, stages, and principles of efficient IT integration. The layout and model can be used by organisations to guide and facilitate the execution of their future banking M&A transactions.
Occupational standards. User's perspective of banking sector
Economia : Seria Management , 2009,
Abstract: As the banking market is rapidly developing, Banca Comerciala Romana started a project of implementing occupational standard concept. Yet the project has successfully developed BCR privatization through BERD and IFC came out with changes that stopped the process of competence assessment and training based on occupational standards. The article presents BCR experience in this area, inclusively lessons learned, that may be used for similar initiatives.
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