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: 10.5958/2319-1422.2021.00009.6
F. Soatov
{"title":"Features of implementation of innovative management and modernization processes incorporate enterprises","authors":"F. Soatov","doi":"10.5958/2319-1422.2021.00009.6","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00009.6","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"5 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":"121064176","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: 10.5958/2319-1422.2017.00016.9
Shiva Poudel
This paper examines the major indicators of commercial bank credit in Nepal using panel data analysis of 104 observations from eight major commercial banks operated in Nepal for the period of 2002/03 to 2014/15. The total credit facility provided by the commercial banks is considered as the proxy of commercial bank credit. The analysis confirmed that bank size, liquidity ratio, deposit to capital ratio, cash reserve ratio and investment portfolio have the significant positive impact on commercial bank credit in Nepal. Contrarily, credit risk (the ratio of non-performing loan to total loan) has the significant negative impact on commercial bank credit. Regarding macroeconomic variables, rate of inflation has the significant positive impact whereas inter-bank interest rate has the significant negative impact on commercial bank credit in Nepal. Therefore, it is important to examine how far the bank credit behavior of the Nepali commercial bank is being affected by the different firm specific variables as well as the macroeconomic variables. Banks with high proportions of their deposits in time deposits have higher loan-deposit ratios than do banks with high proportions of demand deposits, due to the greater instability of the latter. Among them, eight banks were taken as sample by stratifying two government owned or its major holdings, three joint-venture with foreign banks and three banks fully operated by the private sectors. Contrarily, credit risk (the ratio of non-performing loan to total loan) has the significant negative impact on bank credit. Regarding macroeconomic variables, rate of inflation has the significant positive impact whereas inter-bank interest rate has the significant negative impact on commercial bank credit in Nepal.
{"title":"Commercial bank credit behaviour in Nepal","authors":"Shiva Poudel","doi":"10.5958/2319-1422.2017.00016.9","DOIUrl":"https://doi.org/10.5958/2319-1422.2017.00016.9","url":null,"abstract":"This paper examines the major indicators of commercial bank credit in Nepal using panel data analysis of 104 observations from eight major commercial banks operated in Nepal for the period of 2002/03 to 2014/15. The total credit facility provided by the commercial banks is considered as the proxy of commercial bank credit. The analysis confirmed that bank size, liquidity ratio, deposit to capital ratio, cash reserve ratio and investment portfolio have the significant positive impact on commercial bank credit in Nepal. Contrarily, credit risk (the ratio of non-performing loan to total loan) has the significant negative impact on commercial bank credit. Regarding macroeconomic variables, rate of inflation has the significant positive impact whereas inter-bank interest rate has the significant negative impact on commercial bank credit in Nepal. Therefore, it is important to examine how far the bank credit behavior of the Nepali commercial bank is being affected by the different firm specific variables as well as the macroeconomic variables. Banks with high proportions of their deposits in time deposits have higher loan-deposit ratios than do banks with high proportions of demand deposits, due to the greater instability of the latter. Among them, eight banks were taken as sample by stratifying two government owned or its major holdings, three joint-venture with foreign banks and three banks fully operated by the private sectors. Contrarily, credit risk (the ratio of non-performing loan to total loan) has the significant negative impact on bank credit. Regarding macroeconomic variables, rate of inflation has the significant positive impact whereas inter-bank interest rate has the significant negative impact on commercial bank credit in Nepal.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"37 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":"129223407","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: 10.5958/2319-1422.2017.00008.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: 10.5958/2319-1422.2020.00023.5
Sayfullaev Siddik Nosirovich
{"title":"Statistical analysis of the status and development of small entrepreneurship in Uzbekistan","authors":"Sayfullaev Siddik Nosirovich","doi":"10.5958/2319-1422.2020.00023.5","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00023.5","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"18 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":"122423206","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: 10.5958/2319-1422.2020.00012.0
Khudoyorov Oybek Odilovich
{"title":"Solution of problems on the development of banks’ off-balance operations","authors":"Khudoyorov Oybek Odilovich","doi":"10.5958/2319-1422.2020.00012.0","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00012.0","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"29 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":"126355940","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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