Role Of Banks Research Articles

Strengthening MSME Performance: The Role of Entrepreneurial Orientation and Business Models in Micro Wakaf Bank PKP

This research aims to determine to analyze the effect of entrepreneurial orientation on the performance of MSMEs on customers of the Pondok Karya Pembangunan Micro Waqf Bank (PKP) and to analyze the effect of the Business Model on the performance of MSMEs on customers of the Micro Waqaf Bank Pondok Karya Pembangunan (PKP) Development Work. The population of this study was 100 customers of the PKP Micro Waqf Bank. Sample selection through non-probability sampling method with purposive sampling technique. The results of this study indicate that Entrepreneurial Orientation and Business Model have a positive and significant influence on MSME Performance on customers of the Pondok Karya Pembangunan Micro Waqf Bank (PKP). The managerial implications of this study emphasize the need for Micro Wakaf Bank Pondok Karya Pembangunan (PKP) to enhance entrepreneurial orientation and optimize business models among its UMKM customers. By fostering innovation, proactive risk-taking, and competitive aggressiveness, the bank can empower UMKM to adapt to market dynamics effectively. Simultaneously, developing flexible and customer-centric business models can improve operational efficiency and market responsiveness. These strategies not only drive better performance outcomes for UMKM but also strengthen the bank's role as a facilitator of sustainable economic growth in the community.

The Asian Infrastructure Investment Bank's Role in Promoting Sustainable Hydropower Projects: A Comparative Analysis of the Mangdechhu and Punatsangchhu-I Projects

This study compares the Asian Infrastructure Investment Bank (AIIB)-led Mangdechhu Hydroelectric Project with the World Bank-supported Punatsangchhu-I Hydroelectric Project. By comparing the approval and implementation process, multilateral and regional cooperation, sustainable development factors, and challenges and coping strategies of these two hydropower projects, it is concluded that AIIB has a clear advantage in promoting sustainable energy projects. AIIB has demonstrated an efficient project approval and implementation process, as well as close multilateral and regional partnerships. In addition, AIIB has systematically focused on the environmental, social and economic impacts of the project, so that sustainable development can be balanced in the progress of energy projects. However, the agency's pressing issues include technical difficulties, environmental protection, and population resettlement. In order to meet these challenges, AIIB needs to strengthen the learning of experience, optimize the project strategy, and expand the scope of cooperation. The findings of this study have guiding value for policymakers and academia. In future energy cooperation and investment, governments, multilateral development banks and relevant institutions should learn from the practical experience of AIIB and formulate more effective and targeted policies and plans. By tackling challenges together, we will contribute to solving global energy problems and promoting sustainable development.

PREFERENCE FACTORS REGARDING CENTRAL BANK DIGITAL CURRENCY ANONYMITY: BEHAVIOURAL, CULTURAL, OR INSTITUTIONAL

Central Bank Digital Currencies (CBDCs) offer a model of monetary order that potentially reduces the social costs associated with money circulation compared to private cryptocurrencies, which are energy-intensive. However, the success of CBDCs is contingent on design choices, which may conflict with policy goals and consumer preferences. A key challenge is the balance between transaction privacy/anonymity and payment convenience/functionality. Preferences for privacy/convenience are influenced by cultural attitudes, behavioural factors, and trust in institutions. This research seeks to address the following questions: 1) How do cultural and behavioural factors interact to shape preferences for CBDC anonymity/privacy? 2) To what extent do behavioural biases moderate cultural constraints? 3) Is there a correlation between such moderation and levels of trust? A survey (Google Forms, 19 questions) was administered to 164 respondents from Eastern Europe, Asia, and Africa. Analysis reveals that regional homogeneity in responses suggests culturally conditioned preferences. However, preferences for anonymity over convenience are significantly influenced by institutional factors beyond culture. Culture does not appear to be a decisive factor in matters of trust. In cases of lower trust in monetary institutions, preferences for convenience outweigh anonymity. The study concludes that successful CBDC design is context-specific and depends on the unique circumstances of individual countries. Central banks must understand consumer preferences within their respective countries to choose an optimal CBDC design. However, excessive focus on "marketing" to consumer preferences may undermine the central bank's role as a policymaker, while choosing the right design is crucial for CBDC's success.

Assessing the Connection between Intellectual Capital and Financial Success in Islamic Banking: Empirical Analysis

Intellectual capital (I.C.) and other intangible assets have changed the modern economy, especially knowledge-intensive fields like banking. Utilizing the VAIC model, the study examines the correlation between financial performance and I.C. efficiency in Islamic institutions in Pakistan. This research fills a void in the literature regarding Islamic banking's role in improving financial performance by concentrating on Islamic banking's distinctive context governed via Shariah-compliant principles. The research sample includes 11 Islamic banks; more studies evaluate I.C. components and banks' financial performance through AMOS software. The findings suggest that greater I.C. efficiency, mainly through human and structural capital, positively impacts financial outcomes, offering insights into how Islamic banks optimize intangible assets to enhance financial performance. This research helps banks improve economic competitiveness and sustainability, centred on knowledge and recognition of Islamic banking I.C.'s strategic position.

Training on Optimizing Waste Bank Management through a Social-Humanistic Approach

Effective waste management in Sumur Mangga RT 06 RW 01, Larangan Ciledug, Tangerang City, remains a significant challenge. The Waste Bank initiative, aimed at organizing waste disposal, faces obstacles including low community engagement and inadequate understanding of waste types and the Waste Bank itself. Additionally, suboptimal prices for collected waste further hinder progress. To address these issues, Bina Sarana Informatika University has launched a Community Service program. This program employs a social humanistic approach to train residents in optimizing Waste Bank management and increasing their income. The methodology involves observation, interviews, training sessions, and evaluations. The outcomes demonstrate enhanced public knowledge and appreciation of waste management and the Waste Bank's role, leading to increased community participation. Training sessions have also equipped residents with strategies to boost the after-sales price of waste, thereby improving their earnings. This initiative has had a positive impact by tackling waste management challenges and enhancing local community welfare. It also emphasizes the importance of enhancing managerial and operational skills among Waste Bank managers, fostering better waste management practices and economic outcomes for residents.

The Role of Regional Development Banks (BPD) In Enhancing Community Welfare: A Case Study in West Kalimantan

Regional banks, known as Bank Pembangunan Daerah (BPD), play a vital role in regional economic development in Indonesia, particularly in supporting micro, small, and medium enterprises (UMKM) and various local development programs. This study focuses on the BPD in West Kalimantan, examining its contribution to economic development and community welfare. Utilizing a literature review methodology, we analyzed various studies and data from 2010 to 2017, highlighting the performance and impact of Bank Pembangunan Daerah Kalimantan Barat (Bank Kalbar). The findings reveal significant growth in Bank Kalbar's assets, third-party funds, and credit disbursements, reflecting its commitment to supporting UMKM. Additionally, the bank’s initiatives in sustainable finance, corporate social responsibility (CSR), and inclusive finance have enhanced local economic development and social infrastructure. Programs aimed at promoting technopreneurship, financial inclusion, and environmental sustainability have bolstered community welfare, demonstrating the bank's role in improving living standards and environmental conservation. The study underscores the importance of Bank Kalbar’s role in providing financial services and support for local communities, contributing to economic resilience and poverty alleviation in West Kalimantan. Furthermore, the research highlights challenges faced by BPDs, including the need for better regulatory support and operational efficiency. The study concludes with recommendations for optimizing the role of BPDs in sustainable development, emphasizing the importance of effective governance, risk management, and community engagement to enhance their impact on regional development and welfare.

New Development Bank's role in the global financial architecture

AbstractThe New Development Bank (NDB) was established in 2015 by the grouping of Brazil, Russia, India, China, and South Africa (referred to as the BRICS). The establishment of the NDB was one of the outcomes of the economic and political dissatisfaction arising out of the growing disparity between the BRICS' development needs, their share of the world economy, and their representation in the established institutions of the global financial architecture. The paper examines the origins of NDB, the unique aspects of its governance structure, innovations in its operational model, and the challenges it currently faces. The paper concludes that 9 years after its establishment, NDB has completed the core foundational work required of a new multilateral development bank. It is undoubtedly an interesting experiment in the creation of a new international financial institution, and it has made a good and solid start. However, the current global environment is very different from the world of 9 years ago. If the NDB can navigate well the current challenges and if it can scale up significantly, then the NDB indeed has the potential to make a significant impact on the global architecture of development finance. Whether it does so, remains to be seen.

Comparison Of Capital Structure, Profitability, And Third-Party Funds (DPK) Between Bank Bri And Bank Syariah Indonesia: A Comparative Analysis

The banking sector plays a crucial role in the Indonesian economy, becoming the backbone that supports the country's economic growth and stability. In this dynamic landscape, two financial institutions stand out, namely Bank Rakyat Indonesia (BRI) as a representative of conventional banks, and Bank Syariah Indonesia (BSI) which is committed to Islamic financial principles. The purpose of this study is to determine the comparison of capital structure, profitability, and third party funds (DPK) between BRI banks and Indonesian Islamic banks. This research method uses the Mixed Methods Comparative method, this approach involves the collection and analysis of quantitative and qualitative data separately and at the same stage. The results of this study show that  the comparative analysis between Bank BRI and Bank Syariah Indonesia (BSI) highlights the different dynamics in the capital structure, profitability, and deposits of both. BRI, with its conventional approach, demonstrates flexibility and excellence in diversifying financial resources. On the other hand, BSI, as an Islamic bank, provides evidence that Islamic principles can provide profitability and a sustainable financial foundation. These results provide a better understanding of each bank's role in meeting the needs of society, both in terms of financial services and business ethics principles. Stakeholders, including regulators, investors, and the general public, can use the results of this analysis to make informed decisions and support the sustainable growth of the banking sector in Indonesia.TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//

Peran Produktif Wakaf pada Bank Wakaf Mikro di Masyarakat Kota Jambi

This research aims to examine the significant role of productive waqf fund benefits distributed by micro waqf banks to SMEs, with the goal of improving well-being, and to assess the impact of productive waqf funds in micro waqf banks in developing the businesses of SMEs. Using a qualitative approach and descriptive research methods, the researcher collected data from various sources, including in-depth interviews with relevant parties such as the Micro Waqf Bank Management and recipients of productive waqf funds in the hope of explaining the facts and conditions needed for the research. The informants in this study consisted of 20 individuals who met the criteria of understanding and being able to argue when the researcher explored and delved into questions and statements, as well as individuals who received and used productive waqf funds, thus experiencing the impact and benefits of these funds for the sustainability of their businesses and the improvement of their quality of life. The research results indicate that the role of Micro Waqf Banks for SMEs and the impact of productive waqf fund assistance are significant. These banks play a crucial role in supporting the growth and development of SMEs. Micro Waqf Banks provide access to capital for SMEs who often face difficulties in obtaining loans from other financial institutions, thus helping them expand their businesses, create job opportunities, and enhance economic well-being. The bank's role also includes community economic empowerment through training and mentoring. The impact of productive waqf fund assistance on the development of SMEs' businesses is also highly significant. This assistance helps SMEs in business development, improving competitiveness, and overcoming capital constraints. In addition to the economic impact, productive waqf fund assistance also builds self-confidence, motivation, and the overall quality of life for SMEs.

STRATEGY EDUCATION TO INCREASE BANK BPD BALI'S ASSET GROWTH THROUGH ITS ABILITY AS AN AGENT OF REGIONAL DEVELOPMENT

Global economic growth is anticipated to slow in 2023 from 2022, accompanied by rising inflationary pressures, aggressive monetary policy rate hikes, and financial market uncertainty. This growth must be independent of the bank's role as an economic body that supervises, accumulates, and distributes monies to the public through deposits. Regional Development Bank (BPD) is a banking entity created by a local government with total shareholders or a fraction of shares controlled by the local government. The challenge is that the growth rate of commercial bank assets in Bali is larger than BPD Bali Bank. One of the actions that may be done is to carry out a strategy to create capacity as an agent of regional development. Briefing and learning activities allow organizations to become more aware of the importance of implementing ways to improve the growth of company assets. This activity is planned to follow up the implementation of the capability-building strategy as an agent of regional development in increasing the growth of Bank BPD Bali's assets so that asset growth increases optimally.

Financial Abuse in a Banking Context: Why and How Financial Institutions can Respond

Intimate Partner Violence (IPV) is a global social problem that includes using coercive control strategies, including financial abuse, to manage and entrap an intimate partner. Financial abuse restricts or removes another person’s access to financial resources and their participation in financial decisions, forcing their financial dependence, or alternatively exploits their money and economic resources for the abuser’s gain. Banks have some stake in the prevention of and response to IPV, given their unique role in household finances and growing recognition an equitable society is one inclusive of consumers with vulnerabilities. Institutional practices may unwittingly enable abusive partners’ financial control as seemingly benign regulatory policy and tools of household money management exacerbate unequal power dynamics. To date, business ethicists have tended to take a broader view of banker professional responsibility, especially post-Global Financial Crisis. Little scholarship examines if, when and how a bank should respond to societal issues, such as IPV, traditionally outside their ‘remit’ of banking services. I extend existing understandings of ‘systemic harm’ to conceptualise the bank’s role in addressing economic harm in the context of IPV, viewing IPV and financial abuse through a consumer vulnerability lens to translate theory into practice. Two in-depth stories of financial abuse further illustrate the active role banks can and should take in combating financial abuse.

Trust and Distrust: Corruption in Office in Britain and its Empire, 1600‐1850. By MarkKnights. Oxford: Oxford University Press. 2021. 512 pp. £35. ISBN: 978‐0‐19879‐624‐4.

Trust and Distrust: Corruption in Office in Britain and its Empire, 1600‐1850. By MarkKnights. Oxford: Oxford University Press. 2021. 512 pp. £35. ISBN: 978‐0‐19879‐624‐4.

A Review of Corneal Blindness: Causes and Management.

Corneal blindness refers to a group of eye disorders that change thecorneal transparency, causing corneal scarring and blindness. The leading causes of corneal blindness include infectious causes, i.e., due to bacteria, viruses, fungi, and protozoa. The most common predisposing factors are trauma, contact lens usage, or the use of steroid medications. The various other diseases included are trachoma, dry eye disease, keratoconus, ophthalmia neonatorum, and non-infectious uveitis. Various clinical modalities are used for treating corneal blindness, including organ transplantation. Organ donation is cumbersome as various ethical and other factors are involved. Hence the concept of eye banking was introduced to meet the increasing demand for donors of the cornea. The eye bank's role is harvesting, processing, and keeping a record of the cornea being transplanted and donated. Furthermore, various recent advancements have been made for lamellar keratoplasty surgeries, including bioengineered corneas to fulfil the need for the unavailability of donors for the cornea. Various specific health interventions have been implemented to reduce the prevalence of corneal blindness globally. For proper management of corneal blindness, we have three components that are needed to be taken care of: prevention of corneal blindness, appropriate treatment modalities, and providing adequate rehabilitation services to the patients. This review encompasses the main reasons for corneal blindness and the management and treatment modalities available for the patients. The terms cornea, corneal blindness, treatment, management, causes, and complications were used for the review article on PubMed.

The 1783 proposal for a readymade note at the Bank of England

This article analyses the 1783 proposal to issue readymade notes to the Bank of England's private banking customers. Prior to 1783, I argue that there were two broad categories under which the Bank issued its notes into circulation: (1) notes which were issued to government in relation to the Bank's role as facilitator of the fiscal revenues of state, and (2) notes which were issued to its private banking customers. The readymade note was a form of paper money which the Bank had previously been issuing only to government and, unlike the notes which the Bank originally issued to its private banking customers, was made out in advance of its being issued into circulation. I argue that the transformation suggested in the 1783 proposal was made possible by the unique relationship which the Bank had always had with the government, and I will make three observations based on identifying how this transformation took place.

When Good Cash Goes “BADs”: The Role of Bankers’ Acceptance Drafts as a Cash Substitute in China’s Economy

Bankers’ acceptance drafts (BADs) are transferrable promissory notes that are designed to facilitate trade and that circulate among firms much like large-denomination bank notes. They play an important role in facilitating sales between industrial companies in China, particularly during straitened economic times. They have also been used to commit widescale fraud as bankers took advantage of the lack of insight regulators had into BADs’ circulation. However, BADs’ true value is as a tool that banks—and, to a lesser extent, companies—have repeatedly used to meet the often contradictory demands made of them by Beijing as it regulates the economy. In the years after the 2008 stimulus, banks used BADs to harvest deposits (companies must place a portion of the face value of a BAD issued on their behalf on deposit at the issuing bank), allowing them to meet strict loan-to-deposit ratios even as the practice resulted in ballooning off-balance-sheet credit creation. When Beijing cracked down on local government borrowing, some local governments got around the strictures by structuring BADs in creative ways that ensured ongoing access to funding. And starting in 2018, banks met Beijing’s demand that they reduce risk while increasing lending to small private companies—a group banks regard as the riskiest potential borrowers in the economy—by massively increasing their discounting of BADs, an approach that technically realized the competing demands but had none of the stimulatory effects Beijing had hoped for. This article will look at how BADs—and their counterpart, commercial acceptance drafts—give banks and state firms the flexibility to balance the political demands of the state with their own perceived interests. It will focus on how banks used BADs in 2018 and 2019 to deal with Beijing’s concerns about lack of funding for small private firms.

The role of bankers in the U.S. syndicated loan market

I construct a novel dataset of individual bankers in the U.S. syndicated loan market to analyze the impact of bankers for the largest, most transparent borrowers. Bankers exhibit time-invariant preferences for specific loan characteristics, or styles. In addition, exploiting within-borrower variation in personal relationship strength from banker turnover, I find that stronger relationships lead to significantly lower interest rates. This effect is stronger if borrowers lack a credit rating or issue less frequent and shorter horizon management reports. Relationship loans are associated with fewer bankruptcies and fewer favorable modifications in renegotiations.

Predicting Household's Mobile Banking Saving Behavior in Western Kenya: An Algorithmic Approach

ABSTRACT Digitalization holds promises to unlock savings accumulation in Africa. This paper predicts the mobile savings, taking advantage of machine learning to examine a massive set of features known theoretically and empirically to affect household savings behavior. The algorithm fits a generalized regression model through a penalized maximum likelihood. The work anchors in economic theory on savings but differs from the method standpoint to elicit mobile banking savings take-up and savings accumulation. Data covered thirty-six villages in Western Kenya. Predictors clustered into livelihoods, assets inventory, formation and use of assets, income generation and its use, food composition, intake and nutrition, the housing quality and tenureship, water and sanitation, energy use, family structure, social status architecture, adverse shocks to agricultural production (crop and livestock loss events) and demographics. Data include 1600 households from six different communities and 7,700 quarterly observations from 2013 to 2015. Although the results point to shreds of evidence that corroborate previous findings, we highlight in this paper mobile banking's role in the savings accounts ownership and savings accumulation, as well as the effects of age and employment status. Mobile phone ownership is a strong and significant predictor of savings account ownership. However, the mobile phone is a vehicle to fluctuating savings balance and encourages dissaving. Moreover, being young and in the workforce increases the mobile banking savings take-up but also the dissaving behavior, compared to older age group. This work subsets features that could improve product or policy design towards a better financial inclusion of rural poor.

Spotlight on the Safety Net: The Food Bank's Role in Disaster Relief and Historic Response to Hurricane Florence.

Spotlight on the Safety Net: The Food Bank's Role in Disaster Relief and Historic Response to Hurricane Florence.

Bombay and Lewis phenotype testing in correlation with leukocyte adhesion deficiency type II: The blood bank's role in diagnosis

Leukocyte adhesion deficiency type II (LAD II) is a rare hereditary disorder caused by the mutation in the guanosine diphosphate-fucose transporter gene (SLC35C1). LAD II is characterized by inexpression of ABO antigens (i.e., Bombay phenotype) and the lack of Lewis red blood cell (RBC) antigens. In addition to high neutrophil counts, patients also manifest recurrent infections with developmental delays and stunted growth. Blood bank laboratory tests such as blood grouping, RBC phenotyping, antibody screening and identification of the nature of the antibody were conducted in order to confirm the consequences associated with this gene anomaly in this case report. Type and screen results initially identified the patient as group “O” Rh positive with pan-reactive antibody screening cells and identification panel cells. The patient plasma showed significant incompatibility to all O-positive donors' RBCs. The patient's RBCs were tested against anti-H lectin and Lewis (Lea, Leb) typing antisera and showed no reaction, which meant that the patient does not express neither Lewis antigens nor H antigen on his red cell. The presence of anti-H (in a Bombay phenotype individual) explained the reactivity to reagent red cells and crossmatched incompatibility of Group O units as these cells naturally contained the H antigen.

INFLUENCE OF LEADERSHIP STYLES OF BANKERS IN DECISION MAKING ON LOANS TO START-UP ENTREPRENEURS

Availability of bank financing has been a matter of serious concern for start-up enterprises. Various reasons for non-availability of bank financing by these entities have been studied in the past; however, the role of bankers’ leadership styles has not been explored well. Although leadership in the banking sector is well researched, studies on influence of leadership styles in decisions made by bankers on providing loans to start-up entrepreneurs are non-existent. Therefore, the objective of this study is to find out if three leadership styles — i.e. transformational, transactional and laissez-faire — influence bankers while they make a decision on providing a loan to a start-up entrepreneur. The findings of this paper indicate that, out of three leadership styles, transformational leadership style has a significant influence on decisions made by bankers on loans to start-up entrepreneurs while transactional and laissez-faire leadership styles did not have a significant influence on bankers.