Current Issue : April - June Volume : 2015 Issue Number : 2 Articles : 5 Articles
Credit Risk Management holds a positive relationship with credit monitoring, reliability and\nassurance factors. All these factors play vital role in the mitigation process of credit risks.\nRisk mitigation process starts from sourcing loan applications and the loan application goes\nthrough several screening process where reliability and assurance factors are very much\nimportant. Here, knowledge of practical world and product program are very much essential\nto identify risks associated with loan proposals. With the centralized banking system BRAC Bank deals with a systematic lending procedure which follows an straightforward policy. This\ntype of policy helps the analysts to analyze loan proposals very easily. But there are some\nweak points of this straightforward policy and guidelines. This procedure deny any type of\nexceptional proposals which may have better creditworthiness and repayment capacity.\nBusiness is lost in these situations which is treated as opportunity cost. In a word, credit risk\nmanagement is all about ensuring repayment capability of the customers who are provided\nloans and advances. Minimizing Credit Risk is subject to proper framework of risks and\njustification with historical trend and other assurance factors....
The level of stock prices on capital markets no longer\nreflects only the financial health of companies, and investors\ndo not carry out their investment decisions based on\nclassical fundamental analyses using accounting information.\nThe level of the diminishing role of accounting\ninformation for investment decisions was proven by Lev\nand Zarowin with a sample of 1,300 companies during the\nyears 1976 - 1996. This paper further extends this analysis\nand verifies the validity of the original findings until the\nyear 2011. The low importance and impact of accounting\ninformation was confirmed in the period 1994 - 2011, but\nthe decline in importance significantly slowed down or in\nsome cases even stopped completely. Surprisingly, the\nassociation between stock price and change in book value\nplus earnings has been found to be significantly improving.\nThis trend should be subjected to further analysis....
With this paper, I propose a simple asset pricing model that accounts for the influence from social interaction.\nInvestors are assumed to make up their mind about an asset�s price based on a forecasting strategy and its past\nprofitability as well as on the contemporaneous expectations of other market participants. Empirically analysing\nstocks in the DAX30 index, I provide evidence that social interaction rather destabilises financial markets. At least,\nit does not have a stabilising effect....
Internet banking gives customers the option to perform banking transactions and other related activities on the go or from home, twenty-four hours a day, 365 days a year. With improved\nefficiency and effectiveness more transactions can be processed faster and conveniently,\nwhich impact the overall bank�s performance. Banks want their customers to migrate from\nconventional banking to internet banking a means to ease their transaction processes.\nHowever, it is rather difficult to get a buy-in among customers as many are worried about the\napplication limitations, security issues and inadequacies of internet connection quality.\nThough the numbers of internet banking users have increased annually, the numbers of active\nusers are still unimpressive. A sizeable percentage of bank customers are either not ready or\nunwilling to use internet banking. Hence, to strategize and convince customers to use internet\nbanking, mandates the need to understand their satisfaction on key service features offered\nthrough internet banking to them. A conceptual model with nine factors namely, ease of use,\naccessibility, feature availability, customer support, security, privacy, content, fees and\ncharges, and also transaction and payment was developed and empirically tested using\nself-report survey data from 120 internet banking users from 3 branches in Shah Alam,\nSelangor. Simple random sampling was used to select respondents and data analyzed through\nSPSS. Four factors that is, ease of use, customer support, privacy, and transaction and\npayment were found to have significantly influenced customer satisfaction toward internet\nbanking transaction. This calls for continuous innovation among banking institutions to\nenhance these service features to sustain the interest and satisfaction of their internet banking\nusers....
The existence of Regional Bank in every province in Indonesia is increasing and getting\nstronger which support the formation of Regional Development Bank Assosiation (RDBA)\n/Asosiasi Bank Pembangunan Daerah (Asbanda). There are some facts phenomenon happen\non the Regional Bank found through RDBA, such as: limited capital, low brand awareness,\ninnovation and lack of human resource competence. Making a study and discussing the\ndirection of the organization development and the changing which is done by the Regional\nBank in Indonesia is the purpose of this research. Quantitative and qualitative data collection\nmethod are being used to get the data needed followed by doing descriptive analyzing and focus group discussion to know the changing that happen on the Regional Bank. The\nsummary of the research findings are: there is a changing on the purpose, structure, culture\nand human resource so the Regional Bank will be able to increase its core capital, enlarge the\nsociety brand awareness, apply some innovations in banking system and also proffesional\nhuman resource. This finding could be used as the guidance for other Regional Banks which\nhaven�t done a changing to be able to increase the competitive advantage in facing the\nASEAN Economic Community 2015....
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