Cash Deposit Research Articles

Financial Hindrances to Growth: Understanding Profitability Issues in Pakistan’s Islamic Banking Sector

Purpose: The study aims to examine the banks internal factors influencing the profitability of Islamic banks in Pakistan, focusing on dimensions such as quick ratio, cash deposit ratio, capital adequacy, and bank size. Design/Methodology/Approach: A Secondary data collection method has been used in this quantitative nature of study. Using quantitative analysis with Stata software, this study analyzes data from 2015 to 2023 sourced from Islamic banks' official websites. Findings: Analysis of the study reveals that capital adequacy, bank size, and quick ratio are the factors that significantly affect Islamic bank profitability, while the cash deposit ratio shows a no significant impact. Implications/Originality/Value: By identifying critical profitability drivers, this research offers actionable insights for policy formulation and regulatory reforms, strategic planning for banks, operational efficiency, financial inclusivity, and investment attraction.

Funding liquidity creation by banks

Relying on theories in which bank create private money by making loans that create deposits—a process we call “funding liquidity creation”—we measure how much funding liquidity the U.S. banking system creates. Private money creation by banks enables lending to not be constrained by the supply of cash deposits. During the 2001–2020 period, 92 percent of bank deposits were due to funding liquidity creation, and during 2011–2020 funding liquidity creation averaged $10.7 trillion per year, or 57 percent of GDP. Using natural disasters data, we provide causal evidence that better-capitalized banks create more funding liquidity and lend more even during times when cash deposit balances are falling or unchanged. Large banks as well as the top banks in Federal Reserve districts create more liquidity.

Factors affecting the adoption of ATM Cash Deposit Services. A case study of ABSA Zambia, Lusaka

Commercial banks' investments in information technology (IT) have helped streamline operations, increase competitiveness and expand the number and quality of services offered. The automated teller machine (ATM) is arguably the world's most groundbreaking electronic innovation. ATMs according to Mwiya et al. (2017) are the most commonly used electronic delivery method for banks in Zambia. Research has indicated that investment potential, cost savings, customer satisfaction and competitiveness are the reasons for installing and expanding the existing ATM network. Despite the availability of good ATMs for depositing money, there are still long queues in front of banks during business hours as customers deposit their money at the bank counter. Therefore, the study aimed to evaluate the factors affecting the adoption of cash deposit services at ATMs. The objectives of the study were to determine the effects of perceived usefulness, perceived ease of use, effects of facilitation conditions, and effects of social influence on consumers' intentions to use cash deposit services at ATMs. To achieve the objectives, the study conducted a survey of 397 ABSA bank customers. The study used a mixed research method and employed descriptive and causal research designs. Descriptive statistics, logistic regression, and Fisher's exact test were used for data analysis. From the findings, the study revealed that: Lack of knowledge, lack of awareness, ATM usability, trust in ATMs, ATM security and ATM errors are significant factors that influence customers' use of ATMs to deposit money. Additionally, the study found that friends using the ATM to deposit money had a statistically significant effect on the use of the ATM to deposit money. Age and gender were also found to have a significant impact on the use of ATMs to deposit money. The results were statistically significant with a P value of 0.05. The study therefore recommended that: Banks should provide their customers with adequate knowledge on how to use ATMs to deposit money; Ensuring and ensuring the safety of customers when depositing funds; and to adequately inform customers about the security and reliability of ATMs when depositing money.

School Operational Assistance Fund (BOS) Accounting Information System as an Internal Control Tool

This study examines the accounting information system as an internal control tool over cash deposits and disbursements on the School Operational Assistance Fund or in Indonesian called Bantuan Operasional Sekolah (BOS). To enforce accountability and transparency in the use of the BOS Fund, which is one of the important sources of funds for education in Indonesia, it is very important to implement a strict monitoring mechanism. This research approach uses qualitative and descriptive research methods, which combine primary data collection, document analysis, interviews with stakeholders, and direct observation of the accounting information system that regulates the process of receiving and spending BOS funds. The framework includes elements of planning, in this case including the initial stage of making the RKAS, then implementation by carrying out the RKAS by procedures and paying attention to internal controls. Furthermore, the reporting stage leads to the realization of the RKAS, where all stages use an integrated information system. Based on the research results, SMK Darurrohman already has a computerized information system that is available to the public. This system is designed to receive and distribute BOS funds by the guidelines outlined in the BOS guidebook and adequate and accurate control mechanisms. Accounting information systems play a key role in supporting the implementation and maintenance of effective internal controls in an organization. Suggestions for the sustainability of BOS fund management for SMK Darurrohman Sukawangi include utilizing BOS to maintain and improve the quality and quantity of education, emphasizing routine, and implementing job rotation.

Evaluating the impact of self-service cash deposit machines on the performance of commercial banks in Tanzania

This study aims to evaluate the impact of utilization of self-service cash deposit machines (SSCDMs) on the financial performance of Tanzanian commercial banks, focusing on key parameters like capital adequacy, asset quality, management quality, earning ability, and liquidity. The research, conducted over six years (2017–2022), utilizes a CAMEL analysis and combines secondary data review with primary data collected through interviews. Four commercial banks' audited financial statements serve as the primary data source. The findings indicate a mixed impact of SSCDM utilization on bank performance, with some banks experiencing positive effects on capital adequacy and liquidity ratios, while others show performance fluctuations. Overall, SSCDMs are found to enhance operational efficiency and convenience, attracting more customers and increasing deposit volumes. However, potential liquidity management challenges are noted. This study contributes valuable insights to the evolving Tanzanian banking sector, aiding policymakers and bank management in informed decision-making regarding self-service banking technologies.Graphical abstract

Cash Receipt Information System at Regional Drinking Water Companies Using PHP and MySQL

Manual accounting records have shortcomings in terms of accuracy of recording and slow reporting, as manually entered data has to be recapitulated. In some large companies that have branches of business, the users of technology are no longer strangers, but there are often difficulties in recording temporary cash receipts on their branches. From this background, the author carried out research by designing and building a web-based cash receipt application with PHP and MySQL. The author focused on the cash recording application because this application is allocated to branches of companies that have not implemented the system of financial recording, in this case cash receipts that will later be deposited with the central company because the funds received are temporary. This research helps companies record cash receipts and cash deposits and provide final results in the form of a report of each transaction carried out by the company. Like previous research on cash flow information systems, it suggests that the existence of information systems can help in carrying out financial recording, as well as other research that states that computerized recording is much more effective and efficient and facilitates

Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Menggunakan Setor Tunai di Anjungan Tunai Mandiri Bank Syariah Indonesia Kota Langsa

The purpose of this study was to determine the effect of convenience, need, trust and location on customers' decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This research approach is quantitative. The population in this study were all users of Bank Syariah Indonesia cash deposit ATMs in Langsa City, while the sample used was 75 people. Data collection techniques consist of observation, interviews, questionnaires and documentation. Data analysis techniques include analysis prerequisite tests, classic assumption tests and hypothesis testing. The results of the study show that convenience has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the convenience variable, which is 0.035 <0.05 and the tcount value is 2.930 > 1.9944 (ttable). Needs have a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the needs variable, namely 0.011 <0.05 and tcount 2.616 > 1.9944 (ttable). Trust has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is proven based on the sig value of the trust variable, which is 0.047 <0.05 and the tcount value is 2.935 > 1.9944 (ttable). Location has a positive and significant effect on customers' decisions to use cash deposits at Bank Syariah Indonesia Automated Teller Machines, Langsa City. This is evidenced by the sig value of the location variable, namely 0.020 <0.05 and tcount 3.113 > 1.9944 (ttable). Convenience, need, trust and location simultaneously have a positive and significant impact on customer decisions to use cash deposit at Bank Syariah Indonesia Automated Teller Machines in Langsa City. This is evidenced by the results of the F test obtained sig 0.001 <0.05 and Fcount > Ftable (2.774 > 2.50).

Analysis of the Business Model Canvas Approach for Indonesian Sharia Bank Gold Pawn Products

This research was motivated by the existing condition of the Indonesian Sharia Bank Tomo branch which is still in the form of Sub-Branch Offices; there are no bank location points on maps, low marketing intensity on social media, and the traditional gold content measuring instruments. This research method is a field and qualitative descriptive approach. Primary and secondary data collection techniques through observation, documentation, and interviews using source triangulation techniques. Data analysis techniques of Miles and Huberman and SWOT analysis. The results of research through SWOT analysis that produce alternative strategies to form a Business Model Canvas improvements are in Customer Segments with the addition of younger generation segments. Customer Relationship by maximizing personal assistance. Channels with the addition of more intense and trending use of social media, website updates, more attractive and quality brochures, and holding seminars. Value Proposition: The modernization of measuring instrument technology. Key Activities with modernising gold content measuring instruments can minimize estimation errors. Key Resources, modernization of measuring instrument technology, training centres, and cash deposits at ATMs. Key Partnership is the hope of collaborating with universities. Revenue Streams are expected to increase existing revenue. Cost Structure by removing the cost of test water.

Analysis Of The Impact Of M-Banking Utilization On The Community In Patamuan Sub-District

The development of information and communication technology (ICT) has changed the way people interact, including in terms of financial transactions. One of the significant innovations in the banking industry is the introduction of mobile banking services or M-banking. The use of M-Banking has brought about changes in people's financial behavior in the Patamuan District. Prior to the adoption of M-Banking, banking activities involving cash deposits, withdrawals, or transfers of funds required a physical presence at a bank or ATM machine. The use of M-Banking has had a positive impact on the people in Patamuan District. This service provides better accessibility to banking services, facilitates transactions, and enhances efficient financial management. In the economic aspect, the use of M-Banking has increased financial inclusion in Patamuan District. In addition to the positive impacts, there are also challenges and obstacles faced in using M-banking in the Patamuan District. Some of the obstacles or challenges that may have a negative impact are limited internet access, because several areas in Patamuan sub-district have limited internet access because the area is rather remote. There are three ways of data analysis techniques used, namely data reduction, data presentation, drawing conclusions. . The instruments used were observation, documentation and interviews.

Cardiovascular disease patients’ views on using financial incentives for health behavior change: Are deposit contracts acceptable?

BackgroundThere is an urgent need to find new approaches that improve long-term adherence to a healthy lifestyle for people with cardiovascular disease (CVD). Deposit contracts (a financial incentive in which the participant deposits own money) are inexpensive and effective, but acceptability among CVD patients is unclear. This study investigated the acceptability of a deposit contract intervention for physical activity among CVD patients. MethodsWe approached CVD patients through the Harteraad patient panel of the Dutch CVD patient organization and asked them to fill in an online survey. In total (N = 659) CVD patients with a mean age of 66.2 years completed the survey. The survey assessed acceptability of deposit contracts, responses to a concrete example of a deposit contract for physical activity behavior change, and suitable moments for implementation. ResultsOverall, half of the participants (45.6%) confirmed needing extra commitment to maintain lifestyle change. Yet, a small part of the sample was convinced by the idea that losing money could be motivating (18.8%) and indicated that they would be willing to deposit money themselves (13.2%). Responding to a concrete example of a deposit contract for physical activity, a quarter of the sample (26.2%) reported there was a chance they would participate. Furthermore, 27.1% of the participants found the deposit contract effective and 27.4% found it acceptable. Exploratory analyses showed that a subgroup of younger and lower educated participants responded more favorably. Opinions on when to start with a deposit contract were mixed. ConclusionsBecause acceptability was generally found to be low, future research should also investigate strategies to leverage commitment principles for CVD patients without a cash deposit requirement. When deposit contracts are offered to CVD patients in practice, we recommend offering them as an optional, additional element to existing interventions that patients can opt-in to.

A deductive reflection on the modus operandi used to commit bank-associated robbery in South Africa

In comparison to more common crimes like robbery of cash-in-transit, the idea of bank-related robbery—also known as "associated robbery"—has received very little attention. Even though the crime of bank-associated robbery has seen a large rise in instances and related losses, there is still little to no scientific research on the topic. Therefore, the purpose of this study is to investigate and characterize the modus operandi (MO) employed in bank-related robberies, a crime phenomenon that appears to be specific to South Africa. Eleven participants who are subject matter experts (SMEs) on the topic participated in in-depth qualitative interviews to learn more about the phenomena. According to the report, bank-related robberies fall into two primary categories: robberies that occur before cash deposits and those that occur after cash withdrawals. The police do not categorize bank-related robberies in the same way that the banking industry does, which is the biggest obstacle to preventative efforts. In order to address the aforementioned issue, this study adds to the body of knowledge on the subject in order to inform prevention initiatives. The results also show that carrying a lot of cash increases the risk of becoming a victim of crime for bank customers. Therefore, it is advised that bank customers carry the least amount of cash possible on them to make themselves less appealing to robbers.

Optimization of Cash Deposit Machine Use at Bank Central Asia

The purpose of this study is to determine the extent of optimizing the use of CDM at PT. Bank Central Asia Rangkasbitung Branch Office and customer service. The research method used is research conducted using a descriptive approach, meaning that the data collected is not in the form of numerical data, but data derived from interview manuscripts, field notes, personal documents, notes or memos of researchers and other supporting official documents. The purpose of using a qualitative approach is so that researchers can describe the empirical reality behind the phenomena that occur related to the role of PT. Bank Central Asia Rangkasbitung Branch Office in optimizing the use of Cash Deposit Machine (CDM) to improve service to customers. Based on the results of research through interviews with 30 respondents / customers of PT. Bank Central Asia Rangkasbitung Branch Office obtained data that overall respondents often use CDM machines in carrying out transaction activities, both cash deposits and cash withdrawals that mean the use of CDM PT. Bank Central Asia Rangkasbitung Branch Office is optimal and very helpful for customers in transaction activities. In addition, from all respondents obtained data that the services of PT. Bank Central Asia Rangkasbitung Branch Office is quite satisfactory both in terms of customer service and from the facilities provided are quite adequate. This research has a considerable contribution thatService the Cash Deposit Machine (CDM) machine is an alternative choice in conducting transaction activities both cash deposits and cash withdrawals other than through tellers, and as a benchmark for the success of PT. Bank Central Asia Rangkasbitung Branch Office to customers.

Socio-Economic Factors Influencing Household on Non-Timber Forest Product Dependency from Chilimo Forest, Ethiopia

Non-timber forest products are very important in providing basic needs, cash deposits, and home consumption to forest-adjacent communities. Several socio-economic factors influence household dependence on non-timber forest products. This study focused on analyzing the socio-economic factors determining a household’s dependency on non-timber forest products from the Chilimo forest in Dandi, Ethiopia. Descriptive statistics and logistic regression were applied to analyze the data. The main NTFPs extracted by local communities in the study area included honey, fodder, wild vegetables, medicinal plants, firewood, and charcoal. Thus products are used for home both consumption and commercial purposes. Availability of the non-timber forest product also influenced its extraction from the forest (χ2 (2,432) = 4.973, p<0.084). A majority of households (87%) who got NTFPs explained that this resource availability had decreased when compared to ten years ago, thus diminishing their chances of getting NTFPs possibly due to the degradation of the forest. Based on the results from logistic regression factors like age, the career of a household head, and distance to the market had a significant positive correlation on household NTFPs exploitation dependency. Household that lives near the forest has more advantages to extracting NTFPs from the forest than those who live further away. Also, land size, formal education, and household need for fuel wood were positively correlated with the local household, dependency on NTFPs from the Chilimo forest.

Importance of internal cash and vault control in a segment five credit union

The elements of internal control ensure efficiency and effectiveness in financial intermediation operations. The research was developed in a savings and credit cooperative in the city of Ambato - Ecuador, controlled by the Superintendence of Popular and Solidarity Economy SEPS. Glimpsing some elements of internal control - COSO I. Savings and credit cooperatives receive cash deposits, deliver credit and issue payment cards. The leverage of institutional progress, forces to the multiplicity of offers and non-financial financial products, which operationally causes risks, before this, the management of the internal control assures the normative fulfillment and the reasonableness in the cash and vault reports. The objective of the work is to design an Internal Control Manual for the effectiveness of cash and vault operations. Data were collected using empirical methods and risks in cash management were found. An internal control manual was implemented, outlining policies and procedures for proper cash and vault management. It also indicates the professional profile; human talent selection process; operational and accounting cash activities. And the regulations for the custody of cash.

Factors increasing the financial capacity and development of territorial communities in the context of modern challenges

There are various challenges in today's world, such as economic crises, global pandemics, and climate change, which have a major impact on the financial resilience and development of local communities. Today, the decentralization process has been completed, with territorial communities gaining more powers and responsibilities. Understanding the factors that contribute to the financial resilience and development of these communities is crucial to ensure their efficiency and viability, as well as opportunities for improved public governance, cost optimization, and more efficient use of resources. The article aims to examine the factors increasing the financial capacity and development of territorial communities in the context of modern challenges. Results. The article identifies internal and external factors for increasing the financial capacity of territorial communities. The advantages of the competitiveness of territorial communities are studied, and the main features for strengthening their financial stability are identified. The possibilities of local communities are considered in determining the attractiveness for investment in their territory, accounting for available resources and ways of their use, the use of labor, as well as the benefits that may arise during the relocation of enterprises due to active armed conflicts in a large territory of the country. Conclusion. Investment resources of territorial communities and the possibilities of their use are characterized. The investment attractiveness of territories is determined. The objects of investment activity may include any property, fixed assets, current assets in all sectors of the national economy, securities and targeted cash deposits, scientific and technical products, property rights, and resources. The instruments of investment attraction, their legal basis, and their effectiveness for the development of territorial communities are substantiated. Keywords: territorial communities, capacity of territorial communities, competitiveness of territorial communities, strategy, socio-economic development, decentralization.

MEASUREMENT OF USERS ACCEPTANCE OF SELECTED FINANCIAL TECHNOLOGY PRODUCTS AND SERVICES

Purpose: The goal of this study is to determine the degree to which users accept particular financial technology products and services by taking into account a variety of variables, including frequency of use, level of awareness, satisfaction, motivation for using fintech, satisfaction with that motivation, and behavioural intention to use fintech.
 
 Theoretical Framework: There is relatively little literature now accessible to examine the degree of consumer acceptance of Financial Technology products and services. The field of financial technology still requires a lot of research and education, though.
 
 Design/Methodology/Approach: A comprehensive evaluation of the literature served as the basis for the research design. Data gathering techniques include non-probability sampling (quota sampling). Users of particular Financial Technology products and services are queried using a standardised questionnaire to gather data. The 13 districts of Andhra Pradesh state were used as the source of the samples.
 
 Findings: The data is analysed using techniques such as regression and Anova. The frequency of use, level of satisfaction, level of awareness, the intended use of the Fintech, the satisfaction with the intended use and the user's behavioural intention to use the Fintech all statistically significantly correlate with the user's level of acceptance in using the chosen Financial Technology products and services.
 
 Research, Practical & Social implications: This study determined the degree to which users accepted particular Financial Technology goods and services from diverse angles.
 
 Originality/Value: This study aims to identify and quantify the effects of numerous variables on users' degree of acceptability of Fintech, including frequency of use, awareness and satisfaction levels, as well as the use of Fintech for specific purposes and behavioural intentions. Internet banking, NEFT, RTGS, IMPS, mobile banking, electronic wallets, stock trading applications, peer-to-peer lending applications, crowd funding, cash deposit machines, ATMs, and credit rating applications are the 12 Financial Technology products used in the study.

Research on the impact of population aging and endowment insurance on household financial asset allocation- Evidence on CFPS data

Using CFPS data from 2012–2018, this paper explores the impact of the aging household population and endowment insurance on household financial asset allocation in China. It finds that the increase in the share of the elderly population significantly reduces the proportion of risky assets allocated to households. In addition, it increases the proportion of cash deposits held by households. Endowment insurance significantly increases the likelihood and proportion of households' allocation to risky financial assets. There are significant urban-rural differences in the impact of old-age insurance on household financial asset allocation.

Marketing Research and Performance of Money Deposit Banks in South East, Nigeria

In Nigeria the present bank situation is frustrating as customers sometimes suffer poor service delivery such as delayed cash withdrawal, failed bank transfers and hanging cash deposit alerts. In view of this, this study determined the relationship between marketing research and performance of Money Deposit Banks by ascertaining the extent of relationship between problem identification research and business advantage and the degree to which product review research relates with customer satisfaction of Money Deposit Banks in South East, Nigeria. Descriptive survey research design was adopted and Taro Yamane formula was used to determine a sample of 162 out of a total population of 273 while structured questionnaire was used to collect data from respondents. The hypotheses were tested using Pearson Product Moment Correlation Coefficient with the aid of Statistical Packages for Social Sciences (SPSS Version 29). Findings revealed positive relationship between marketing research and performance of Money Deposit Banks in South East, Nigeria. There is positive relationship between problem identification research and business advantage. Results also revealed positive relationship between product review research and customer satisfaction. The study concluded that the relationship between marketing research and performance of Money Deposit Banks is dependent on the adoption of problem identification research and product review research. Therefore, the study recommended that marketing manager should always adopt proactive measures towards the market. This can be achieved by constant review of market trends and customer’s behaviour.

THE EFFECTS OF DIGITAL CURRENCY (ENAIRA) ADOPTION ON NIGERIA ECONOMY

This study examined the determinants of eNaira adoption in Nigeria, also examined the effects of eNaira adoption on economy in Nigeria. The utilized data were randomly collected from banks staff, economists, and Nigerians through questionnaires. These were rigorously analyzed through MANOVA, correlation, chi-square and Crombach’s Alpha statistics reliability. It is concluded that eNaira will have positive significant effect on economy in Nigeria in terms of employment generation, economic stability, easy facilitation of transaction, security of money, direct welfare disbursements enablement, Revenue and tax collection Increment, cost of processing cash reduction, resilient payment system supports, Central Bank currency usability improvement, and economic activities enhancement. It will also serve as medium of exchange, secured store of value, and stable unit of account. It is recommended that CBDC should establish validation scheme (centralized or decentralized) to prevent double spending or identity theft of eNaira code. Also, there is need to educate people about the eNaira by the government on the importance of this new development. Citizens must enlightened to understand the difference between cash deposits’ digital representation in bank accounts and eNaira in digital wallets. There must also be a programme which should be organized by CBN to deepen the enlightenment of eNaira in the country.

Perancangan Aplikasi Sistem Informasi Keuangan Berbasis Web: Studi Kasus di Lembaga Keuangan Mikro Syariah Al-Falah POLBAN

The purpose of this research is to produce an accounting information system application that will provide information related to member data, savings data and recording of savings and loan transactions at the Al-Falah Polban Syariah Microfinance Institution. Other goals include making it easier to record financial transactions, presenting reports on cash deposits, cash withdrawals, member data, savings data, and general journals at the Al-Falah Polban Sharia Microfinance Institution. And find out whether the application of this research can help the company's performance to be better and more efficient or not. This research methodology uses research and development (R&D) methods, namely processes or steps that develop new products or improve existing products that can be accounted for. According to other sources, research and development methods are research methods used to make certain products and test the effectiveness of those products. The product in question can be in the form of software or computer programs, as well as hardware, such as tools, books, modules, or other equipment. The results of the questionnaire distributed to users, this LKMS information system application is included in the very good category, which means that by using this application, recording financial data, making savings and loan transaction reports, member data, savings data, and general journals is faster and more accurate.