Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00014.0
Vijayendra Gupta
{"title":"The digital banking in India-A myth, mystery and MID-WAY","authors":"Vijayendra Gupta","doi":"10.5958/2319-1422.2018.00014.0","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00014.0","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133517848","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2020.00019.3
Yadgarov Akram Akbarovich
{"title":"The importance of using the agricultural insurance system in increasing the volume of agricultural production in pandemic conditions","authors":"Yadgarov Akram Akbarovich","doi":"10.5958/2319-1422.2020.00019.3","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00019.3","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"140 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116726295","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00024.3
S. Sharipov
{"title":"The economic and financial mechanisms of the employment supplies in the field of public services","authors":"S. Sharipov","doi":"10.5958/2319-1422.2018.00024.3","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00024.3","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115258227","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00019.x
Abdul Motin Ostagar
{"title":"Innovation and impact of technology in insurance sector","authors":"Abdul Motin Ostagar","doi":"10.5958/2319-1422.2018.00019.x","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00019.x","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116758678","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2021.00001.1
G. Adilova, M. S. Kamraev
{"title":"Peculiarities of innovative development of the insurance services market in Uzbekistan","authors":"G. Adilova, M. S. Kamraev","doi":"10.5958/2319-1422.2021.00001.1","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00001.1","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"198 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114655077","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2017.00008.X
Tursunova Gulmira
{"title":"Tourism product advancement theory and possibility. CASE of Uzbekistan","authors":"Tursunova Gulmira","doi":"10.5958/2319-1422.2017.00008.X","DOIUrl":"https://doi.org/10.5958/2319-1422.2017.00008.X","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122397037","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2019.00005.5
Yakubova Nargiz Tursunbaeva
{"title":"“Improvement of methodological bases of business processes in insurance activity”","authors":"Yakubova Nargiz Tursunbaeva","doi":"10.5958/2319-1422.2019.00005.5","DOIUrl":"https://doi.org/10.5958/2319-1422.2019.00005.5","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128011989","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00021.8
P. R. Krishna
Financial inclusion has been a focus in recent times. With the introduction of liberalisation, the financial systems have come to play a much active role in the allocation of resources than in the past. The role of financial inclusion expected to play major role much larger than present. Research in the last decade has shown that there exist a robust link between a well-functioning financial system and inclusive growth. The banking industry has shown tremendous growth in volume and complexity during the past decade. The pace of development for the Indian banking industry has been tremendous over the past decade. The financial inclusion has received a special attention from the Indian government and reserve bank of India (RBI) in recent times. The Indian banking sector has one of the very few to actually maintain resilience while continuing to provide growth opportunities a feat unlike to be matched by other developed banks. Banks began to use technology to provide better quality of services at greater speed. Internet banking and mobile banking made it convenient for customers to do their banking from geographically diverse places. The financial inclusion meant for delivery of banking services at affordable cost to the vast sections of disadvantaged and low income groups. The present study highlights the technological advances in banking sector and different types of payment systems. The study also focuses the changes occurring in the recent Indian banking sector and how thus changes are likely to influence the way banking will be done in future.
{"title":"Banking innovations for financial inclusion (A study on smart cards)","authors":"P. R. Krishna","doi":"10.5958/2319-1422.2018.00021.8","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00021.8","url":null,"abstract":"Financial inclusion has been a focus in recent times. With the introduction of liberalisation, the financial systems have come to play a much active role in the allocation of resources than in the past. The role of financial inclusion expected to play major role much larger than present. Research in the last decade has shown that there exist a robust link between a well-functioning financial system and inclusive growth. The banking industry has shown tremendous growth in volume and complexity during the past decade. The pace of development for the Indian banking industry has been tremendous over the past decade. The financial inclusion has received a special attention from the Indian government and reserve bank of India (RBI) in recent times. The Indian banking sector has one of the very few to actually maintain resilience while continuing to provide growth opportunities a feat unlike to be matched by other developed banks. Banks began to use technology to provide better quality of services at greater speed. Internet banking and mobile banking made it convenient for customers to do their banking from geographically diverse places. The financial inclusion meant for delivery of banking services at affordable cost to the vast sections of disadvantaged and low income groups. The present study highlights the technological advances in banking sector and different types of payment systems. The study also focuses the changes occurring in the recent Indian banking sector and how thus changes are likely to influence the way banking will be done in future.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128303338","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2020.00010.7
Ihe Ndubuisi John, Onyeanusi Chioma Sylvia Hope
The annual financial report provided by the accounting system is considered the main source of information for investment decision making. It is therefore important for the banking sector to fully disclose matters concerning their operations. Hence, the validity and accuracy of the decisions depend on the proper analysis of financial statements. Investment decision makers rely on information obtained from financial statements to predict profit margins, Return on capital employed, return on investments, etc. Without financial statements, it will be difficult to determine the profit and evaluation of the performance of the banking sector and companies. It is necessary that Accountants take further steps in ensuring that the true and fair view of the actual worth of businesses are also incorporated in the financial statements published by them. This study aims at ascertaining the relevance of financial statement analysis on investment decisions in the Nigerian banking sector with emphasis on Diamond Bank Plc. The target population of the study is 150 respondents from Diamond bank main branch and sample size of 110 respondents was determined using Taro Yamane's formula. Stratified random sampling was used to determine the respondents. The study used both primary and secondary data, including interview and annual reports of Diamond Bank Plc. Data collected was analyzed using SPSS version 21. Data analysis involved statistical computations for averages, percentages, and correlation and regression analysis. The study established that financial statement analysis is very important for investment decision making. It is recommended that commercial banks devise a self-assessment form with benchmarks on the key areas of assessments to be codified within a document for clients to read and use it for self-assessment. From such assessment, banks can develop categories for customers, based on the investment decision making, the security expected and term of the investment. This would serve to minimize the time taken in investment decision analysis.
会计系统提供的年度财务报告被认为是投资决策的主要信息来源。因此，银行业必须全面披露与业务有关的事项。因此，决策的有效性和准确性取决于对财务报表的正确分析。投资决策者依靠从财务报表中获得的信息来预测利润率、资本回报率、投资回报率等。如果没有财务报表，就很难确定银行部门和公司的利润和业绩评价。会计师有必要采取进一步措施，确保他们公布的财务报表中也包含了对企业实际价值的真实和公平的看法。本研究旨在确定财务报表分析对尼日利亚银行业投资决策的相关性，重点是钻石银行。本研究的目标人群是来自钻石银行总行的150名受访者，110名受访者的样本量是使用Yamane太郎的公式确定的。采用分层随机抽样确定调查对象。该研究使用了第一手和二手数据，包括采访和钻石银行的年度报告。收集的数据使用SPSS version 21进行分析。数据分析包括平均值、百分比、相关和回归分析的统计计算。研究证实了财务报表分析对投资决策的重要作用。建议商业银行设计一份自我评估表格，其中包含评估关键领域的基准，并将其编入一份文件，供客户阅读并用于自我评估。通过这样的评估，银行可以根据投资决策、期望的安全性和投资期限为客户制定类别。这将有助于减少投资决策分析所花费的时间。
{"title":"Financial statements analysis and investment decisions in nigerian banks (a study of diamond bank plc)","authors":"Ihe Ndubuisi John, Onyeanusi Chioma Sylvia Hope","doi":"10.5958/2319-1422.2020.00010.7","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00010.7","url":null,"abstract":"The annual financial report provided by the accounting system is considered the main source of information for investment decision making. It is therefore important for the banking sector to fully disclose matters concerning their operations. Hence, the validity and accuracy of the decisions depend on the proper analysis of financial statements. Investment decision makers rely on information obtained from financial statements to predict profit margins, Return on capital employed, return on investments, etc. Without financial statements, it will be difficult to determine the profit and evaluation of the performance of the banking sector and companies. It is necessary that Accountants take further steps in ensuring that the true and fair view of the actual worth of businesses are also incorporated in the financial statements published by them. This study aims at ascertaining the relevance of financial statement analysis on investment decisions in the Nigerian banking sector with emphasis on Diamond Bank Plc. The target population of the study is 150 respondents from Diamond bank main branch and sample size of 110 respondents was determined using Taro Yamane's formula. Stratified random sampling was used to determine the respondents. The study used both primary and secondary data, including interview and annual reports of Diamond Bank Plc. Data collected was analyzed using SPSS version 21. Data analysis involved statistical computations for averages, percentages, and correlation and regression analysis. The study established that financial statement analysis is very important for investment decision making. It is recommended that commercial banks devise a self-assessment form with benchmarks on the key areas of assessments to be codified within a document for clients to read and use it for self-assessment. From such assessment, banks can develop categories for customers, based on the investment decision making, the security expected and term of the investment. This would serve to minimize the time taken in investment decision analysis.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"71 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128735700","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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