Finansal Tabana Yayılma Değişkenlerinin Demografik Özelliklere Göre İncelenmesi

Resolving the Paradox: How mobile money drives economic growth through financial inclusion

This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.

This study aims to determine the effect of financial inclusion variables on third-party deposit funds used in Islamic banking. In general, this study uses financial inclusion and non-financial inclusion variables. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Third deposit funds, interest rates, profitability, yield equivalent, and the size of sharia banking are all used as non-financial inclusion variable proxies. This quantitative study used the Vector Error Correction Model (VECM) and the Eviews analysis tool. The cointegration test probability value (0.0228 < 0.05) indicates that the data used in the study are cointegrated. According to the data analysis, the office network (2,60397) and the ATM network (2.48865) serve as proxies for financial inclusion variables affecting Islamic banking deposits. The deposit customer (1,55953), on the other hand, is a proxy variable that has no effect. The equivalent yield (2,48469) and Islamic banking size (2,77972) are non-financial inclusion variables influencing Islamic banking deposits. The benchmark interest rate (-0,29262) and profitability (0,90000), on the other hand, do not affect Islamic banking deposits.

Chapter 20 - A Spectral Analysis of the Short-End of the British Term Structure

This paper aims at identifying key empirical regularities characterizing the onset of a currency crisis that might be suitable for early warning purposes and proceeds by providing analysis and empirical tests of economic and financial variables both in-sample and out-of-sample in order to assess their performance as leading indicators of a speculative attack. Two distinct methodologies are compared and implications for the theory of currency crises and economic policies to their prevention will be investigated in the process.

Stochastic logistic fuzzy maps for the construction of integrated multirates scenarios in the financing of infrastructure projects

Institutional Investors have always been drawn to companies with common financial and managerial characteristics. In the 1970's a group of firms were identified as the ”nifty fifty.” The group has never been static. Companies moved in and out of this group of institutional favorites with changes in the perceptions of institutional investment managers. There has been a good deal of academic research on the financial characteristics of these institutional favorites, but most of the work was done without respect to the underlying macroeconomic environment. The summer of 2000 was a turning point in American capital markets. There was a slowdown in business activity, an increase in unemployment, and declining values in the equities markets. Later, the period from March 2001 to November 2001 was identified as an economic recession, and the following recovery period was slow. During this period institutional investors continued to buy and sell equities in large blocks. The purpose of this study is to provide a financial analysis of firms that may be described as ”institutional favorites” in such a period. Specifically, the analysis will test for significant differences in the financial profiles of the institutionally favored firms, and companies selected at random during the same period, and from the same industries. A unique financial profile is established for the institutionally favored firms during this period. As in previous analysis such as this multiple discriminant analysis is used.

Trends associated with debt loads among oral and maxillofacial surgery chief residents

A Spectral Analysis of the Short-End of the British Term Structure

This study investigates the multi-period prediction of firm bankruptcy as a multi-alternative problem of Statistical Decision Theory. This approach enables a simultaneous assessment to be made of the prediction of bankruptcy and the time horizon at which the bankruptcy could occur. To illustrate the approach, using U.S. bankruptcy data, a comparative statistical analysis of various financial variables is undertaken to identify four relatively independent financial ratios that have the potential for multi-period bankruptcy forecasting. These ratios characterize the quantity and quality of debt, as well as the firm's ability to repay the debt. The study also investigates a new type of predictive information - the maturity schedule of a firm's long-term debt. Bayesian-type forecasting rules are developed that jointly use the financial ratios and maturity schedule factors. The rules noticeably enhance bankruptcy prediction compared with the familiar one-period (two-alternative) Z-score rules of Altman (1968) for bankruptcy within the first one, two or three years. Predictive factors derived from schedule information additionally enhance bankruptcy prediction at distant time horizons.

This paper illustrates the use of the methods related to inequality decomposition for the analysis of financial variables. By means of the overlapping component and of the inequality between it is possible to detect and to assess the main factors determining the cross section assets variability.

Debt management in a small open economy: A theoretical and an empirical study for Belgium

This paper aims to test the hypothesis in a period of monetary tightening. Firms that face liquidity constraint and have limited access from external sources of funds will lower its investment. We use the panel data analysis of Indonesian manufacturing firms and financial variables, LIQ as the ratio between the sum of cash and marketable securities to total assets, and the change in cash flows as a proxy of firm’s liquidity constraint. The result provides some supports for the view that inventory in Indonesian manufacturing firms is sensitive toward cash flow during the monetary tightening period, especially for the firms that produce durable goods.Keywords: Monetary tightening, liquidity constraint, inventory investmentJEL classification numbers: G32, G38.

This study aims to analyze the impact of financial inclusion variables on third-party funds (DPK) in Islamic banking. The variables analyzed include both financial inclusion and non-financial inclusion factors. Financial inclusion variables are represented by office networks, ATM networks, and the number of savings customers. Meanwhile, non-financial inclusion variables include DPK, interest rates, profitability, yield equivalent, and the size of Islamic banking institutions. This research uses a quantitative approach with the Vector Error Correction Model (VECM) and Eviews as the analysis tool. The findings reveal that the financial inclusion variables significantly influencing Islamic banking deposits are the office network (KTR), ATM network (ATM), and the index of the number of DPK accounts per 1000 adult population (IRDPK). These results indicate that expanding banking infrastructure and increasing access to financial services play a critical role in boosting Islamic banking deposits. This study contributes to understanding how financial inclusion factors interact with other banking variables to shape the performance of Islamic banks in Indonesia, providing insights for policymakers and financial institutions in enhancing financial accessibility and deposit mobilization.

The purpose of this study is analyze the factors that influence the financial inclusion of domestic tourism with a quantitative approach. The research findings contain novelty of empirical research which is expected to contribute to the study of financial inclusion and the study of the preferences of tourism which are still very limited. The object of research is a member of the Cheap Holidays Facebook group who has been actively traveling in the last three years. Based on the multivariate linear regression analysis technique, partially it turns out that only financial behavior variables have a significant positive effect on financial inclusion, while financial literacy and financial skills variables have no significant effect on financial inclusion. However, simultaneously these three variables have a significant positive effect on financial inclusion. It is recommended that further research expands respondents and integrates demographic and geographic data for domestic tourism for a more comprehensive analysis of the determinants of financial inclusion. Keywords: financial literacy, financial skills, financial behavior, financial inclusion.