scholarly journals Specyfika opisu „szczęśliwych” posągów na stacji metra Plac Rewolucji w rosyjskich źródłach internetowych

2019 ◽  
pp. 37-45
Author(s):  
Justyna Joppek
Keyword(s):  
Financial Services ◽  
Descriptive Analysis ◽  
Personal Stories ◽  
Research Material ◽  
Underground Station ◽  
The Revolution

The purpose of this paper is the descriptive analysis of “happy” statues in the Revolution Square underground station in Russian Internet sources. The range of the study embraces article titles, structure of content presentation, information about the genesis of "rubbing" items, personal stories and iconographic aspect. The research material is taken Russian e-commerce industry websites that operate in the tourism, fashion, interior and home design, financial services, as well as travel blogs.

Generation of Independence in the Revolution of Dignity

2021 ◽  
pp. 52-64
Author(s):  
HALYNA BODNAR
Keyword(s):  
Gender Differences ◽  
Young People ◽  
Mutual Understanding ◽  
Personal Stories ◽  
Inner World ◽  
Depth Interviews ◽  
Ukrainian Society ◽  
Autonomous Republic ◽  
The Revolution

The paper highlights the environment of the generation of independence in the Revolution of Dignity, studies the motivation of participation, moods, ideas and expectations, their transformation with the development of events, experiences and lessons of the Maidan. We have 59 in-depth interviews with natives of all regions of Ukraine and the Autonomous Republic of Crimea, which have become a basis for the research. Regional groundwork allowed us to take a closer look at the activities of local Maidans, when the contrast between the capital and the regions, new experiences and challenges faced by local activists, gender differences, post-Maidan (non)-transformations in the regions were clearly visible. The paper also focuses on the recollections of the events of February 2014 and the image of the Heavenly Hundred. The young people appreciated the «inner world» of the revolution — the unity, mutual understanding, support and help they found among the Maidan residents. They were not ready to face the death on the Maidan. After two or three years, their personal stories and lessons taken of the Revolution of Dignity, visions of their future and the country as a whole are still fresh and allow to reveal the post-Maidan Ukrainian society from the perspective of the generation of independence.

scholarly journals Telaah Kritis Akad Musyarakah Mutanaqisah

2019 ◽  
Vol 1 (1) ◽  
pp. 79
Author(s):  
Muh Turizal Husein
Keyword(s):  
Financial Services ◽  
Home Ownership ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Significant Growth ◽  
Living Space ◽  
Innovation Product ◽  
Analysis Design

Since the opening of the MEA door in 2015 to 2020, it will be colored by a strategy competition and a tighter level of financial services business competition. Sharia Banking products based on partnerships with "profit-loss sharing" such as Musyarakah currently have not shown significant growth like other products. One of the musyarakah derivative contracts that has the potential to be practiced as an innovation product in Islamic banking is the musyarakah mutanaqisa contract. This study examines the need for living space for customers by using musyarakah mutanaqisa agreement and musyarakah mutanaqisa practice in Indonesia. This study uses a qualitative approach with descriptive analysis design. In Indonesia, only a few Sharia Banks have offered financing products with mutanaqisa musyarakah contracts, namely Sharia Maybank, Panin Sharia Bank, Mega Syariah Bank and Bank Muamalat. Of the four BUSs, the products they offer have ownership of assets namely home ownership and vehicles. But in their practice they still give customers the choice in choosing, which contract they will use. such as murabahah contracts in home ownership products and vehicles.Keywords: Musyarakah, Mutanaqisa, Profit, Banks

scholarly journals EFFECT OF DIGITAL FINANCIAL SERVICES ON THE GROWTH OF SMES IN KENYA

2021 ◽  
Vol 2 (1) ◽  
pp. 79-94
Author(s):  
Nandwa Nelly Awinja ◽  
Olanrewaju Isola Fatoki
Keyword(s):  
Financial Services ◽  
Social Networking Sites ◽  
Small And Medium Enterprises ◽  
Online Advertising ◽  
Descriptive Analysis ◽  
Business Environment ◽  
Digital Platforms ◽  
New Business ◽  
The Government ◽  
Medium Enterprises

The digital economy is a new business environment that enables enterprises to operate and provide services via the Internet and digital platforms. The study was on the effect of economic digitisation on growth of SMEs in Nairobi CBD. The specific objectives were to determine the effect of digital financial services, digital content, digital values and skills and the effect of online advertising on the growth of small and medium enterprises. The sample size in this study was 1000 SMEs formally registered in the study area from where a sample of 300 was randomly selected. The questionnaire was employed for the purpose of data collection from which out of the 300 questionnaires distributed, 180 were returned representing a 60% response rate. Guided by the research objectives, the data collected through the questionnaire were sorted, coded and presented in graphical and tabular forms for the purpose of descriptive analysis. To determine the significance of the relationship between the dependent and independent variables, a regression analysis was carried out using the Statistical Package of Social Sciences (SPSS) version 24. The study established that digital financial services were significant factors in ensuring growth of SMEs in Kenya. The study concluded that Mobile payments have become a favorite means of making financial transactions.  The study also established that Applications available for mobile digital devices is expected to increase enormously.  Digital payment technology has increased over the last decade. From the findings, it was concluded that Consumers grow more familiar with the different payment systems available and encourage more transactions. The SMEs should explore the possibility of forming a management committee to streamline economic digitisation issues. It is recommended that the organization clearly spell out economic digitisation procedures and criteria. This can stir positive growth  among SMEs establishments and can result in effective management. The Government and the various agencies should also make provisions for training programs for SMEs  to empower them in terms of economic digitisation. The SMEs should not rely on external professionals to assist in digitisation as this may be expensive. It is also recommended that the SMEs should adopt digital financial services. E-commerce will ensure increased profitability for small and medium enterprises. They should also have Social networking sites, which have proved to be popular online activities in relation to time, spent. They should also adopt Innovation driven entrepreneurship as it contributes to increase in sales revenue, market share, efficiency, customers’ loyalty and firm profitability.

When benchmark rates change: the case of Islamic banks

2019 ◽  
Vol 27 (2) ◽  
pp. 197-214
Author(s):  
Simon Archer ◽  
Rifaat Ahmed Abdel Karim
Keyword(s):  
Monetary Policy ◽  
Interest Rate ◽  
Financial Services ◽  
Financial Stability ◽  
Descriptive Analysis ◽  
Interest Rate Risk ◽  
Islamic Banks ◽  
Content Type ◽  
Study Approach ◽  
Conventional Banks

Purpose This paper aims to examine the issue that arises in the context of benchmark rate (or interest rate) changes made for reasons of monetary policy in a jurisdiction with a significant presence of Islamic banks. Changes, especially increases, in the prevailing interest rate made by central banks raise issues of asset-liability management for banks, which typically have longer maturities on the asset side than on the liabilities side, resulting in exposure to interest rate risk for conventional banks, and what is known as rate of return (RoR) risk for Islamic banks, which for reasons of compliance with Islamic religious law (Shari’ah) do not use interest in their operations. Islamic banks use various financial instruments which reflect the cost of funds by means of contracts of sale on credit or of leasing or forms of partnership, which allow them to earn returns on their funds and to pay returns to customers who deposit funds with them. Design/methodology/approach The methodology of this study consisted of a descriptive analysis of the relevant characteristics of Islamic banks and their economic and regulatory environments, illustrated by a case study approach applied to two jurisdictions, namely, Sudan and Malaysia. Findings In jurisdictions where Islamic banks represent a significant share of the market for financial services, if the contracts used in Islamic financing allow for periodic adjustments of the profit rate or lease rental, this could result in a significant impediment to the full implementation of monetary policy and hence to the maintenance of financial stability. Originality/value This study is (to the best of authors’ knowledge) the first thorough analysis in the literature of the issues arising from the exposure of Islamic banks to RoR risk and has clear implications for regulatory and central bank policy.

Awareness of Mobile Phone-Based Money Transfer Services in Agriculture by Smallholder Farmers in Kenya

2012 ◽  
Vol 3 (1) ◽  
pp. 1-13 ◽  
Author(s):  
Oliver K. Kirui ◽  
Julius Juma Okello ◽  
Rose A. Nyikal
Keyword(s):  
Mobile Phone ◽  
Rural Areas ◽  
Financial Services ◽  
Market Failure ◽  
Smallholder Farmers ◽  
Descriptive Analysis ◽  
Policy And Practice ◽  
Agricultural Finance ◽  
Money Transfer ◽  
Transfer Services

Smallholder farmer access to agricultural finance has been a major constraint to agricultural commercialization in developing countries. The ICT revolution in Africa has however brought an opportunity to ease this constraint. The mobile phone-based money transfer services that started in Kenya urban centres have spread to rural areas and even other countries. Using these services farmers could receive funds to invest in agricultural financial transactions. This study examines the awareness of mobile phone-based money transfer services (MMT) among rural farmers in Kenya and examines the various uses of money transferred through such services. The study employs descriptive analysis and found a very high awareness of mobile phone-based money transfer services among the smallholder farmers and found predominant use of remitted funds for agricultural related purposes (purchase of seed, fertilizer for planting and topdressing, farm equipment/implements, leasing of land for farming, wages for labour). The study concludes that there is need to expand the coverage of MMT services in rural areas since it resolves an idiosyncratic market failure that farmers face namely access to financial services. It discusses the implications of these findings for policy and practice.

MODERATING EFFECT OF ECONOMIC GROWTH ON FINANCIAL PERFORMANCE OF MERGED INSTITUTIONS

2017 ◽  
Vol 1 (1) ◽  
pp. 38
Author(s):  
Dr. Agnes Ogada ◽  
Dr. George Achoki ◽  
Dr. Amos Njuguna
Keyword(s):  
Economic Growth ◽  
Financial Performance ◽  
Financial Services ◽  
Panel Data Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Moderating Effect ◽  
Primary Data ◽  
The Government ◽  
To Come

Purpose: The purpose of the study was to determine the moderating effect of economic growth on financial performance of merged institutions Methodology: The study adopted a mixed methodology research design. The study population included all the 51 merged financial service institutions in Kenya. Purposive sampling was used. Primary data was obtained from questionnaires and a secondary data collection template was also used. The researcher used quantitative techniques in analyzing the data. Descriptive analysis for the study included the use of means, frequencies and percentages.  Inferential statistics such as correlation analysis was also used. Panel data analysis was also applied. Further, a pre and post merger analysis was used.Results: There was a significant relationship between the moderating effect of economic growth and financial performance of merged institutions.Unique contribution to theory, practice and policy: The government and Central Bank of Kenya to come up with strategies and policies to protect the financial services sector due to its immense contribution to the economy of the country by formulating policies aimed at controlling the effects of rapid fluctuations of the macro economic factors and their effects on the sector.

scholarly journals ANALISIS PENERAPAN PSAK NO. 23 TENTANG PENDAPATAN PADA PT. PEGADAIAN CABANG MEGAMAS MANADO

2017 ◽  
Vol 12 (2) ◽  
Author(s):  
Claudia Relia Musadi ◽  
Herman Karamoy ◽  
Hendrik Gamaliel
Keyword(s):  
Qualitative Research ◽  
Financial Services ◽  
Research Method ◽  
Descriptive Analysis ◽  
Fair Value ◽  
Revenue Recognition ◽  
Production Factors ◽  
Income Statement ◽  
Main Activity ◽  
A Company

Revenue is one of the most important elements of the formation of income statement within a company. Revenue is due to the company's activities in utilizing production factors for self-sustaining and growth. This research was conducted at PT. Pegadaian Cabang Megamas Manado, a company engaged in financial services whose main activity is to disburse loan money on the basis of legal lien. The purpose of this study is to analyze the process of recognition, pemgukuran, and disclosure of income from PT. Pegadaian Cabang Megamas Manado by using PSAK No. 23 on Revenue as a comparison. The method used is qualitative research method, that is descriptive analysis. The results showed, the recognition of income at PT. Pegadaian Cabang Megamas Manado is recognized based on accrual basis in which income is recognized upon acquisition of goods or services. The measurement of income is recorded at the amount of cash received or at fair value provided for the income. Revenue disclosures are made on the basis of each income post. Recognition, measurement, and disclosure of income at PT. Pegadaian Cabang Megamas Manado is in accordance with PSAK No. 23.Keywords:  Revenue, Recognition, Measurement, Disclosure

scholarly journals Strategi Pengembangan LKMS-BMT Maslahah Sidogiri Pasuruan (Studi Analisis Pendekatan Interpretatif Struktural Modeling) (Strategy of LKMS-BMT Development Maslahah Sidogiri Pasuruan (Analysis Study of Structural Modeling Interpretative Approach))

2020 ◽  
Vol 4 (1) ◽  
pp. 24
Author(s):  
Parmujianto Parmujianto
Keyword(s):  
Human Resources ◽  
Financial Services ◽  
Positive Attitude ◽  
Descriptive Analysis ◽  
Structural Modeling ◽  
Qualitative Approach ◽  
Consumer Loyalty ◽  
Community Needs ◽  
Interpretative Approach ◽  
Modeling Strategy

BMT (BMTM) is one of the LKMS that provides Sharia-based financial services. BMTM has not made specific identifications related to the behavior of the target audience which could potentially be a challenge in the future. This study uses a qualitative approach, namely descriptive analysis and Interpretative Structural Modeling (ISM). The results showed that consumer behavior in BMTM is positive in the utilization of BMTM products. Understanding and positive attitude towards BMTM products is based on the motives of daily necessities and business development. The efforts of BMT in building consumer loyalty to BMT by bringing services closer to the community, increasing the ratio of supervisors and discipline of supervision and developing several products according to community needs, as well as strengthening human resources.

ANALISIS PENILAIAN KESEHATAN KOPERASI JASA KEUANGAN SYARIAH BERBASIS MASJID (STUDI KASUS KOPERASI JASA KEUANGAN SYARIAHBAITUL MAL TAMWIL AT-TAQWA-MASJID AT-TAQWA KEMANGGISAN JAKARTA)

2016 ◽  
Vol 1 (2) ◽  
pp. 163-170
Author(s):  
Hasmayati Hasmayati
Keyword(s):  
Service Quality ◽  
Financial Services ◽  
Descriptive Analysis ◽  
Health Assessment ◽  
Qualitative Description ◽  
Financial Health ◽  
Quantitative Descriptive Analysis ◽  
Quantitative Descriptive ◽  
The Right ◽  
Blue Print

The purpose of this study was to analyze the soundness and analyzes the factors that affect the soundness of BMT Syariah Cooperative Financial Services At-Taqwa and to find a formula the right strategy in the development of BMT Syariah Cooperative Financial Services At-Taqwa. This study uses a quantitative descriptive analysis of health assessment and qualitative description on service quality. The research proves that the level of health KJKS BMT At-Taqwa through computation eight aspects (six financial aspects and the two aspects of the non-financial) shows KJKS BMT At-Taqwa at the level reasonably healthy and is influenced by factors of seven financial ratios are on the effects on health of the Cooperative. In addition there is a five-part strategy that can be developed by BMT KJKS At-Taqwa ie services and the addition of customers, financing, dissemination and promotion, health cooperatives, blue print and build a cooperative networking. Keywords: financial health, koperasi

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