Empirical Analysis of Basel Effects on the Interest Rate of Public and Private Banks: A Case Study of SBI and ICICI Bank

2017 ◽  
Author(s):  
Ravindra Tripathi ◽  
Aamir Syed
Keyword(s):  
Interest Rate ◽  
Empirical Analysis ◽  
Public And Private ◽  
Private Banks ◽  
The Interest Rate

scholarly journals Sensitivity Analysis of Fuzzy Activity-Based Life Cycle Costing

2018 ◽  
Vol 225 ◽  
pp. 05002
Author(s):  
Freselam Mulubrhan ◽  
Ainul Akmar Mokhtar ◽  
Masdi Muhammad
Keyword(s):  
Sensitivity Analysis ◽  
Life Cycle ◽  
Interest Rate ◽  
Life Cycle Costing ◽  
High Impact ◽  
Final Output ◽  
Left And Right ◽  
The Interest Rate ◽  
Operation Cost

A sensitivity analysis is typically conducted to identify how sensitive the output is to changes in the input. In this paper, the use of sensitivity analysis in the fuzzy activity based life cycle costing (LCC) is shown. LCC is the most frequently used economic model for decision making that considers all costs in the life of a system or equipment. The sensitivity analysis is done by varying the interest rate and time 15% and 45%, respectively, to the left and right, and varying 25% of the maintenance and operation cost. It is found that the operation cost and the interest rate give a high impact on the final output of the LCC. A case study of pumps is used in this study.

CREDIT AND THE PROBLEM OF TRUST IN THE THOUGHT OF JOHN LOCKE, c. 1668–1704

2020 ◽  
pp. 1-22
Author(s):  
JON COOPER
Keyword(s):  
Seventeenth Century ◽  
Interest Rate ◽  
John Locke ◽  
Moral Community ◽  
Natural Rate ◽  
Private Banks ◽  
Public Credit ◽  
Bank Of England ◽  
Natural Rate Of Interest ◽  
The Interest Rate

Abstract This article presents a reinterpretation of John Locke's contribution to debates about the interest rate in the seventeenth century. It suggests that his argument that England should maintain the ‘natural’ rate, rather than impose a lower rate, was motivated by his theological, moral, and social conceptions of credit and its dependence on trust. In order to solve the endemic shortage of metal coin limiting the growth of monetary exchange in England, Locke stressed that the higher, ‘natural’ rate of interest would facilitate interpersonal borrowing and lending among neighbours, allowing currency to flow more freely around the country. By contrast, while he acknowledged that institutional creditors such as goldsmith-bankers could quicken the circulation of money by issuing debt instruments like bills of exchange, he saw institutional credit as a threat to the moral community. Not only did he question how people could rationally trust financiers without any epistemic apprehension of their personal probity, but he moreover doubted whether individuals accumulating so much money were likely to act trustworthily. Finally, using an otherwise unstudied dialogue about the Bank of England, this article argues Locke extended his criticisms about the threats posted by private banks to the country's nascent system of public credit.

scholarly journals El spread bancario frente a la regulación de tasas. / The bank spread facing the interest rate regulation.

2020 ◽  
pp. 18-35
Author(s):  
Iván Weigandi
Keyword(s):  
Interest Rate ◽  
Commercial Banks ◽  
Financial Statements ◽  
Rate Regulation ◽  
Time Deposit ◽  
Private Banks ◽  
Lending Rates ◽  
Financial Income ◽  
The Interest Rate ◽  
Effective Spread

Este trabajo busca analizar los efectos de la disposición de tasas activas máximas y tasas pasivas mínimas por parte del Banco Central de la República Argentina sobre el spread entre el cociente de ingresos financieros sobre los préstamos y el cociente de los egresos sobre los depósitos de los bancos privados que operaron en Argentina en el periodo 20122015. Luego de enumerar algunos modelos teóricos post-keynesianos para explicar cómo definen las diferentes tasas nominales los bancos comerciales, se analiza desde los estados financieros, como se comporto efectivamente el spread bajo las distintas regulaciones de la autoridad monetaria central. Los resultados demuestran que mas allá de las tasas máximas y mínimas, el spread efectivo no disminuyó, sino todo lo contrario. ABSTRACT: This paper aims to analyze the effects that maximum lending rates and minimum time deposit rates provided by the Central Bank of Argentina had on the spread between the ratio of financial income on loans, and the ratio of financial expenditures on the private banks deposits, operating in Argentina between 2012 and 2015. After reviewing some post-keynesians theories to explain how the commercial banks define the different nominal rates, this article analyzes, based on the financial statements, the actual spread behavior under the regulations of the central monetary authority. The results show that beyond the maximum and minimum rates, the effective spread does not decrease, but quite the opposite.

scholarly journals Novas perspectivas sobre o assédio moral em instituições bancárias

2020 ◽  
Vol 13 (3) ◽  
pp. 463-482
Author(s):  
Walid Abbas El-Aouar ◽  
Renata Almeida de Lucena Patriota ◽  
Arthur William Pereira da Silva ◽  
Alípio Ramos Veiga Neto ◽  
Ahiram Brunni Cartaxo de Castro ◽  
...  
Keyword(s):  
Simple Random Sample ◽  
Chi Square ◽  
Public And Private ◽  
White Ethnicity ◽  
Descriptive Research ◽  
Private Banks ◽  
Banking Institutions ◽  
Private Banking ◽  
The City

The objective of this research was to diagnose bullying based on the perception of the occurrence of the phenomenon by employees of public and private banking institutions in the city of João Pessoa, state of Paraíba, Brazil. It is a descriptive research and a case study with a quantitative approach applied to a simple random sample of 156 bank clerks, through a sociodemographic questionnaire and a perception scale of mobbing at work, validated by Martins and Ferraz (2014). Data were analyzed by using the SPSS software and compared by Chi-square tests and variance analysis. There was an equal participation concerning gender, most of them from white ethnicity, married, graduates, and mean age of 39 years. It was found that the phenomenon was perceived infrequently, at least once a month. 34% of bank clerks reported professional harassment and 19.9% reported personal harassment. Such results prompted reflection on whether the phenomenon was overcome, reduced or trivialized among the professional category studied. The results also showed that, although perceived infrequently, harassment behavior is more observed with employees in private banks than in public ones.

scholarly journals Research on the Impact of Interest Rate Liberalization on Profitability of the Security Industry

2020 ◽  
Vol 12 (5) ◽  
pp. 114
Author(s):  
Lai Ying
Keyword(s):  
Interest Rate ◽  
Empirical Analysis ◽  
Financial Data ◽  
Adverse Impact ◽  
Interest Rate Liberalization ◽  
Security Industry ◽  
Significant Difference ◽  
The Interest Rate ◽  
The Impact ◽  
The Empirical Analysis

As the process of the interest rate liberalization deepens continuously and the level of the interest rate liberalization improves constantly, every aspect of the financial system is affected. The thesis mainly analyzes how the profitability of the security industry is affected, how this kind of impact is transmitted and what kind of self-targeted revolution and financial innovation should be made by the security industry to tackle the adverse impact. After the empirical analysis and the robustness test of the financial data in 18 listed securities companies in Wind Database from 2007 to 2018, the author concludes that: (1) The impact of the interest rate liberalization on the profitability indicator ROA of securities companies presents a positive U shape. (2) There is no significant difference in the impact of interest rate liberalization on the profitability indicator of different securities companies.

scholarly journals Analisis kelayakan finansial usaha beras aruk pada masa pandemi covid-19 (studi kasus: kelompok tani Sumber Jaya Desa Tempilang Kabupaten Bangka Barat)

Agromix ◽  
2021 ◽  
Vol 12 (2) ◽  
pp. 92-101
Author(s):  
Eni Karsiningsih
Keyword(s):  
Interest Rate ◽  
Cultural Heritage ◽  
Research Method ◽  
Food Additives ◽  
Payback Period ◽  
Feasibility Analysis ◽  
Financial Feasibility ◽  
The People ◽  
The Interest Rate

Introduction: During the Covid-19 pandemic, aruk rice became one of the healthy alternative food additives for consumption. Aruk rice is a local food of cultural heritage for the people of Bangka Belitung that must be preserved. This study aims to analyze the financial feasibility of the aruk rice business during the Covid-19 pandemic carried out by the Sumber Jaya Farmers Group, Tempilang Village, West Bangka Regency. Method: The research method used is a case study. Sampling was carried out by census, which took 8 aruk rice makers who produced during the Covid-19 pandemic. Analysis of the financial feasibility of aruk rice business is carried out by calculating NPV, Net B/C ratio, IRR, Payback Period, and BEP. Result: The results showed that during the Covid-19 pandemic, the aruk rice business provided a 12% higher profit, which was Rp. 866,700 per month compared to before the Covid-19 pandemic. Based on the financial feasibility analysis, the aruk rice business during the Covid-19 pandemic is still feasible. Based on the results of the financial feasibility analysis at the interest rate of the BRI Micro KUR loan at 6% per year, the NPV value is Rp. 10,400,400, Net B/C ratio is 1.5, IRR is 128%, and the Payback Period or payback period. investment for 4 months 5 days. The aruk rice business will experience a Break Event Point when the income is IDR 218,200 per month, the production is 9 kg per month and the price is IDR 16,200 per kilo. Conclusion: Based on the results of the financial feasibility analysis, the rice aruk business conducted by the Sumber Jaya Farmers Group during the Covid-19 pandemic is still feasible.  

scholarly journals ANALISIS PENGARUH DANA PIHAK KETIGA, TINGKAT SUKU BUNGA, DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT UMKM PADA BANK UMUM DI INDONESIA

2012 ◽  
Vol 10 (1) ◽  
pp. 81
Author(s):  
Gaby Firdha Aldila
Keyword(s):  
Interest Rate ◽  
Commercial Banks ◽  
Regression Equation ◽  
Third Party ◽  
The Interest Rate ◽  
Sme Lending

His study is a case study on commercial banks in Indonesia with the title of Analisis Pengaruh Dana Pihak Ketiga, Tingkat Suku Bunga, dan Non Performing Loan Terhadap Penyaluran Kredit UMKM Pada Bank Umum di Indonesia tahun 2007:1 – 2010:12. Based on the results showed that during the study period is partially funding a third party, the interest rate, and non-performing loans have a significant effect on SME lending. While simultaneously obtained that third party funds, interest rate, and non-performing loans have a significant effect on SME lending. The magnitude of these effects is 0.988 or 98.8%. While the remaining 1.2% is affected by other factors outside of the study, or outside the regression equation

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