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Search Results: 1 - 10 of 1900 matches for " Cooperative banks "
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Cluster analysis application for analysing a diversification in a perception of cooperative banks
Anna Bieniasz,Paulina Anio?a
Journal of Agribusiness and Rural Development , 2010,
Abstract: The aim of this paper was to analyse a regional diversification in a perception of cooperative banks among students who come from farms in central and west Poland. The aim was realised by the comparison of the students’ in the analysed voivodships view about 13 statements concerning cooperative banks. The next step was to distinguish between voivodships 3 segments – with positive, neutral and negative outlook on the cooperative banks and to describe the distinguished segments.
A Microeconomic Foundation for Optimum Currency Areas: The Case for Perfect Capital Mobility and Immobile Labor Forces  [PDF]
Masayuki Otaki
Theoretical Economics Letters (TEL) , 2012, DOI: 10.4236/tel.2012.24073
Abstract: This article provides a microeconomic foundation for Mundell’s optimum currency area theory. We consider twin countries where labor forces are fixed to each country although the real capital moves internationally. When the central bank in each country behaves non-cooperatively, it will raise the domestic interest rate to attract more real capital and increase the rent of her residences. However, the fierce competition between the central banks ultimately exacerbates the disparity in income distribution. Moreover, when the real capital or the financial intermediary as its agent does not have a nationality, the worsened income distribution also results in the inefficient resource allocation. Thus, such twin countries should unify their central banks and coordinate their monetary and interest policies. In other words, these countries constitute an optimum currency area.
The Nigerian Microfinance Policy: A Perspective from Cooperative Societies
Oladejo, M. O.
International Journal of Economic Development Research and Investment , 2011,
Abstract: The focus of the Nigerian government microfinance policy is to make financial services accessible to a large segment of the potentially productive Nigerian population which otherwise would have little or no access to financial services. However, less emphasis had been placed on the role cooperative societies could play in achieving the policy objective This paper examined the micro finance reforms of the Nigerian Government and the role that cooperative societies can play with a view to providing solutions to the problems. The study adopts largely an exploratory methodology and submitted that appropriate legal frameworks be put in place to ensure that cooperative methods are fully integrated in to the microfinance policy framework. Analysis of the information obtained revealed the unutilized capacity and potentials of cooperative societies that have contributed to the growth of other countries of the world. Therefore government should ensure that the Microfinance banks are made to relate with the poor and low income group through the cooperative societies for sustainable growth and development.
Francisco Joaquín Cortés García,Luis Jesús Belmonte Ure?a
Revista de Estudios Empresariales. Segunda época , 2010,
Abstract: During the last few years, the cooperatives savings banks sector is experiencing an important adaptation effort towards a more urban and tertiary environment. Although these cooperatives still retain their market shares in the rural areas, they are putting a strong emphasis in developing and growing within urban areas densely populated, offering a wide spectrum of interesting and competitive banking products. From their beginnings, such entities have shown responsible trends in their social interactions; therefore the social economy as well as the local development and their orientation to the shareholders were backed and encouraged. But this effective establishment of the corporative social responsibility is threatened as these entities develop due to a lesser extent participation of their shareholders, a diversification and of their banking activities and also due to a minor cooperative activity. Thus, taking seriously into account the data published by UNACC, INE and Banco de Espa a (1995-2008) an statistical and also a graphical indepth analysis is conducted to study the evolution and trends regarding the shareholders over customers and on investment credit operations ratios as well as the financial profitability. The intention of the cited study is to underline the role of the shareholder, its financial relevance and its influence on how the cooperative savings bank is managed.
La decisión multicriterio y su aplicación en la clasificación de los bancos cooperativos
Palomo Zurdo, Ricardo,Fernández Barberís, Gabriela,Gutiérrez Fernández, Milagros
Rect@ , 2012,
Abstract: The aim of the present paper is to contribute with an innovative approach for the classification of cooperative banks, using for that a Multicriteria analysis, which allows us to value and combine economic variables, traditionally used in the analysis of financial institutions, with the social ones, whose incorporation is indispensable given the characteristics of these entities. For that purpose, the study analyses the 80 cooperative banks registered in Spain on December 31, 2009, using data corresponding to the period 2006-2009, with the objective of measuring their characterization and economic - social performance, before the beginning of the process of consolidation happened in the sector and initiated in December, 2009. The results obtained offer a ranking of cooperative banks that will allow us to study questions as relevant as the existing relation between the economic and financial performance of the entity and the fulfillment of its social function.
Protocolo de um banco de tecidos neoplásicos
Alimena, Luiz José Moura;Jesus-Garcia Filho, Reynaldo;Toledo, Silvia Regina Caminada de;Alves, Maria Teresa de Seixas;Petrilli, Antonio Sergio;De Luca Junior, Giuseppe;Jacobus, Lucas Senger;Romani, Ricardo Filipe;Spader, Daniel Lunardi;
Revista Brasileira de Ortopedia , 2008, DOI: 10.1590/S0102-36162008000200001
Abstract: a tumor bank with systematic organization of data allows for the carrying out of cancer research with sound and scientific conclusions. the need thus arises for a specific protocol whose main advantage would be that of adding qualified donor information to tumor samples used in research. the purpose of this study was to develop a simple, reliable, and replicable procedures protocol to acquire and store samples of musculoskeletal tumors. the basis for the planning of this protocol comprises the information gathered in the literature relating to tumor tissue banks from 1969 to 2005. the paper describes the capture, storage, and donor background. the tumor bank with an efficient protocol allows to store both healthy and neoplastic tissue, and to record information relating to patients with neoplastic lesions. furthermore, it enables supplying tissue samples in ideal research conditions.
Revista de Estudios Cooperativos , 2010,
Abstract: Este artículo examina la influencia de las condiciones locales en las actividades bancarias centrandose en el caso de los 14 bancos cooperativos en Grecia durante el período 1999-2007. Estos bancos han sido seleccionados por su carácter local y en consecuencia, están más influenciadas por las condiciones locales, en comparación con los bancos con red nacional e incluso internacional. Las condiciones locales pueden ser endógenas y exógenas al banco. Las endógenas al banco es la red bancaria que se desarrolla a nivel local o regional asi como a los miembros de los bancos que son la parte principal de la clientela de estas. Una macroeconómica y exógena condición del banco es la cantidad de ahorros en la localidad donde opera. Las actividades bancarias que han sido examinadas incluyen los depósitos y los préstamos que constituyen la parte principal de las actividades bancarias de los bancos cooperativos en Grecia. El crecimiento de la red bancaria es el principal factor de aumento de las actividades del banco; el crecimiento de los miembros de las cooperativas y el aumento de las economías locales tienen una influencia positiva, pero menos importante en las actividades de los bancos cooperativos./This paper examines the influence of local conditions on banking activities focusing on the case of 14 cooperative banks in Greece for the period 1999-2007. These banks have been chosen because of their local character and consequently they are more influenced by local conditions in comparison to banks having a national and even international network. Local conditions could be endogenous and exogenous to the bank. The endogenous to the bank are the banking network developed locally or regionally, and the members of the banks who are the main part of the banks’ clientele. A macroeconomic and exogenous to the bank condition is the amount of savings in the prefecture in which the cooperative bank operates. The banking activities which have been examined include the deposits and loans constituting the main part of banking activities of cooperative banks in Greece. The growth of the banking network is the main factor of growth of the bank’s activities; growth of cooperatives’ members and the growth of the local savings have a positive but less important influence on cooperative banks’ activities.
State Cooperative Banking in Northeast India: Financial and Operational Viability Analysis
Sanjay Kanti Das
Journal of North East India Studies , 2012,
Abstract: State Cooperative Banks provide the necessary financial resources to District Cooperative Banks and Primary Agricultural Cooperative Societies and are responsible for their recovery. They have played significant role in the development of rural economy of India. The present paper explores and evaluates the growth and progress of State Cooperative Banks in the North Eastern Region of India. Further, efforts are also given to make a comparative analysis of SCBs in NER & India through some selected financial indicators. It is found that all the financial variables (capital, reserves, deposits, advances, demand, collection and over dues) increased with higher growth rate during 2002-2009 on the basic of Compound Annual Growth Rate. The paper highlights the reasons for slow progress of State Cooperative Banking in the North Eastern Region of India which is considered as the most backward region of the country. Further, this paper focuses on several pitfalls and shortcomings faced by State Cooperative Banks in region. Finally, it is observed that the SCBs in NER are not at par with all India level which is evidenced from the study of some selected financial indicators.
Pledge changes in loan offices in XVIII – early XX centuries
Marina S. Mishina
European Researcher , 2011,
Abstract: The article considers pledge changes in loan offices in XVIII – early XX centuries, variety of their kinds and forms.
Revista de Estudios Cooperativos , 2012,
Abstract: Los cinco a os transcurridos desde el inicio de la crisis financiera internacional en el a o 2007 han provocado la que, probablemente, sea una de las mayores reestructuraciones del sector bancario realizadas hasta la fecha, tanto en su perspectiva global como en su dimensión doméstica en Espa a. Las entidades de crédito de la Economía Social, cajas de ahorros y cooperativas de crédito, han protagonizado un extraordinario proceso de concentración. Las primeras han sufrido, además, una radical transformación que ha modificado su configuración y naturaleza societaria –mediante la conversión de muchas en bancos- y, consiguientemente, su modelo de negocio y sentido finalista. Desde otra perspectiva, la crisis ha revelado la insuficiencia de las entidades financieras para el ejercicio de su principal misión como entidades suministradoras de crédito. Su amenazada o difícil solvencia, la necesidad de implantar un exigente control del riesgo y las elevadas tasas de morosidad han llevado a una restricción sin precedentes de la actividad crediticia que ha terminado por estrangular a una gran parte de la economía real o productiva. Las tres reformas financieras aprobadas hasta agosto de 2012 han generado cierto “descrédito” entre la sociedad por su elevado coste directo e indirecto que se unen al “descrédito” por las restricciones crediticias que la situación del sector y las reformas han impuesto. / During the last five years, after the beginning of the financial crisis in 2007, one of the major banking restructuring was caused, both in a global perspective and in a domestic dimension for Spain. The credit entities of the social economy, savings banks and credit cooperatives, have led an extraordinary concentration process. The first credit entities, suffered a radical transformation that has modified their corporate structure by converting many of them into banks, and consequently, its business model. From another perspective, the crisis has revealed the failure of financial institutions to fulfill their primary mission as credit entities. Its threatened solvency, the need to implement a strict risk control and the high default rates have led to an unprecedented restriction of lending which has ended up crushing much of the real economy or production. The three financial reforms approved by August 2012 have generated certain “discredit” between society for its direct and indirect high cost that bind to the "discredited" by the credit squeeze that the sector and reforms imposed.
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