Variable Reserve Requirements against Commercial Bank Deposits

The goal of this study was to see how financial inclusion affects gender-based poverty in Nigeria. Commercial bank branches, deposits, and borrowers were the proxy for financial inclusion. The poverty index was used to measure poverty reduction. The World Development Indicator (WDI) and the CBN Statistical Bulletin 2021 provided the data for this study. Finally, the study included the years 2002 to 2019. Financial inclusion reduces household poverty in Nigeria, according to the study, which used a VAR estimate. The coefficients of commercial bank branches and commercial bank deposits were (-0.004) and (-0.008), respectively, indicating that they had a negative influence on poverty reduction. Furthermore, the study discovered that having access to credit through a financial institution was crucial in lowering poverty in Nigeria over the study period. As a result, the report recommends that steps to promote the rule of law, particularly contract enforcement and financial regulatory inspection, be implemented, resulting in more financial inclusion and a reduction in poverty and income gaps, particularly between men and women. The benefits of financial inclusion must be made more widely known, particularly in rural regions, through promoting financial literacy among the poor through education, advertising, and traditional institutions.

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PROTECTION OF BANK DEPOSITS IN ISLAMIC JURISPRUDENCE AND ALGERIAN LEGISLATION

ULUL ALBAB Jurnal Studi Islam ◽

10.18860/ua.v18i2.4297 ◽

2018 ◽

Vol 18 (2) ◽

pp. 184

Author(s):

Rabhi Lakhdar ◽

Benyekken Abdelmadjid

Keyword(s):

Economic Development ◽

Commercial Bank ◽

Commercial Law ◽

The Public ◽

Bank Deposits ◽

Legal Nature ◽

Islamic Jurisprudence ◽

Investment And Financing ◽

The Right ◽

To Receive

Bank deposit of all kinds is the main money source and lifeblood of the commercial bank, so that no other party has the right to receive the money from the public. The issue of deposit protection has received considerable attention from Islamic jurisprudence, for its role in achieving economic development through spreading confidence in depositors and increasing deposits, which leads to increased investment and financing operations. The Algerian legislation also gave great attention to bank deposits, with specific and detailed provisions, both in a bank law and in commercial law. Questions have been raised about the concept of bank deposits, its legal nature, and what protection it is for. These are described in this study on the protection of bank deposits in Islamic jurisprudence and Algerian legislation, relying on a collection of references and texts of jurisprudence and legal, as well as some websites. This study covers four axes regarding the relevant concept. First, a conceptual introduction to the key terms in this study. Second, the legal nature of bank deposits. Third, types of bank deposits; fourth, protection of bank deposits.

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Lebanon-Determinants of Commercial Bank Deposits in a Regional Financial Center

IMF Working Papers ◽

10.5089/9781451873429.001 ◽

2009 ◽

Vol 09 (195) ◽

pp. 1 ◽

Cited By ~ 6

Author(s):

Harald Finger ◽

Heiko Hesse ◽

◽

Keyword(s):

Commercial Bank ◽

Bank Deposits ◽

Financial Center

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DETERMINAN PERTUMBUHAN DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DI INDONESIA

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss20209pp1684-1694 ◽

2020 ◽

Vol 7 (9) ◽

pp. 1684

Author(s):

Aura Dimar Sontani ◽

Dian Filianti

Keyword(s):

Economic Growth ◽

Commercial Bank ◽

Commercial Banks ◽

Profit Sharing ◽

Third Party ◽

Percentage Increase ◽

Purposive Sampling ◽

Islamic Bank ◽

Bank Deposits ◽

Internal And External Factors

ABSTRAKPenghimpunan Dana Pihak ketiga selalu mengalami peningkatan. Seperti pada tahun 2016 terjadi kenaikan sebesar 18%. Meskipun terjadi kenaikan setiap tahun tetapi persentasi kenaikan semakin menurun. Untuk meningkatkan penghimpunan dana pihak ketiga oleh bank maka perlu diketahui faktor-faktor yang dapat mempengaruhi pertumbuhan dana pihak ketiga. Penelitian ini memiliki tujuan untuk mengatahui faktor internal dan faktor ekternal dari Bank Umum Syariah yang memberikan pengaruh terhadap Dana Pihak Ketiga Bank Umum syariah di Indonesia baik secara parsial maupun simultan. Faktor yang diduga memiliki pengaruh terhadap Dana Pihak Ketiga diantaranya : Pertumbuhan Ekonomi, Inflasi, dan Tingkat Bagi Hasil dan Bonus. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif,Populasinya adalah Bank Umum Syariah di indonesia dengan pemilihan sampel dilakukan dengan menggunakan purposive sampling sehingga terdapat delapan (8) bank umum syariah yang memenuhi kriteria yang ditentukan. Teknik analisis menggunakan regresi data panel. Hasil yang diperoleh adalah pertumbuhan ekonomi dan inflasi secara parsial tidak berpengaruh signifikan terhadap DPK bank umum syariah. Sedangkan tingkat bagi hasil dan bonus memiliki pengaruh signifikan terhadap DPK bank umum syariah. Secara simultan Pertumbuhan ekonomi, Inflasi, dan Tingkat Bagi Hasil dan Bonus berpengaruh signifikan terhadap DPK bank umum syariah.Kata Kunci: Pertumbuhan Ekonomi, Inflasi, Tingkat Bagi Hasil dan Bonus, Dana Pihak Ketiga ABSTRACTThe collection of third party funds is always increasing. Like in 2016 there was an increase of 18%. Although there is an increase every year, the percentage increase increases. To increase the collection of third party funds by banks, it is necessary to know the factors that can influence the growth of third party funds. This study aims to determine the internal and external factors of Sharia Commercial Banks that affect Sharia Commercial Bank Third Party Funds in Indonesia, both partially and simultaneously. Factors suspected of having an influence on Third Party Funds include Economic Growth, Inflation, and Stock and Bonus Levels. The method used in this study is a quantitative method, the population is a Sharia Commercial Bank in Indonesia by selecting a sample using purposive sampling so that there are eight (8) sharia commercial banks that meet the specified criteria. Technical analysis uses panel data regression. The results obtained are economic growth and inflation partially do not significantly influence the DPK of Islamic commercial banks. While the level of profit sharing and bonuses have a significant effect on Islamic bank deposits. Simultaneously economic growth, inflation, and the level of profit sharing and bonuses have a significant effect on Islamic bank deposits.Keywords: Economic Growth, Inflation, Profit Sharing and Bonuses, Third Party Funds

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Symposium on Federal Deposit Insurance for S&L Institutions

The Journal of Economic Perspectives ◽

10.1257/jep.3.4.3 ◽

1989 ◽

Vol 3 (4) ◽

pp. 3-9 ◽

Cited By ~ 13

Author(s):

Dwight M Jaffee

Keyword(s):

Great Depression ◽

Commercial Bank ◽

Deposit Insurance ◽

Bush Administration ◽

Bank Runs ◽

Future Prospects ◽

The Great Depression ◽

Bank Deposits ◽

Savings And Loan ◽

Federal Deposit Insurance

Federal deposit insurance was introduced to eliminate the bank runs of the Great Depression: the FDIC (Federal Deposit Insurance Corporation) was created in 1933 to insure commercial bank deposits, and the FSLIC (Federal Savings and Loan Insurance Corporation) was created in 1934 to insure savings and loan association (S&L) deposits. Following a decade of neglect, the Bush administration and Congress moved early in 1989 to resolve the most serious problems yet to confront federal insurance of U.S. bank deposits. How did S&L losses expand so rapidly and unexpectedly? How should FSLIC be redesigned to avoid a reoccurance? Who is going to pay for the existing FSLIC losses? What are the future prospects for the S&L industry?

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Bank Deposits and Legal Reserve Requirements.

The Journal of Finance ◽

10.2307/2325664 ◽

1960 ◽

Vol 15 (4) ◽

pp. 604

Author(s):

John A. Griswold ◽

Frank E. Norton ◽

Neil H. Jacoby

Keyword(s):

Reserve Requirements ◽

Bank Deposits

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Reserve assets as sources of replenishing resource base of banking sector and improving its stability

VESTNIK OF ASTRAKHAN STATE TECHNICAL UNIVERSITY SERIES ECONOMICS ◽

10.24143/2073-5537-2019-4-130-136 ◽

2019 ◽

Vol 2019 (4) ◽

pp. 130-136

Author(s):

Haidar Diphil Shubbar ◽

Andrey Vladimirovich Girinsky

Keyword(s):

Central Bank ◽

Commercial Bank ◽

Commercial Banks ◽

Financial Stability ◽

Banking Sector ◽

Foreign Currency ◽

Banking System ◽

Resource Base ◽

Reserve Requirement ◽

Reserve Requirements

The paper focuses on the importance of using reserve assets in order to increase the bank financial stability and the banking system as a whole. The essential requirements for reserving commercial banks have been presented. The methods of regulating the required reserves have been studied. The specific features of applying the required reserves in banking activities (reserve requirements and liquidity, monetary policy, reserve requirements as a monetary tool, reserve requirements as a fiscal tool) have been revealed. The schedule of averaging periods of required reserves for 2019 is being considered. The general principles which credit organizations are guided by when creating reserves are the following: obligatory availability of reserves for all credit organizations throughout their existence; forming reserves in relation to liabilities to legal entities and individuals; possibility of removing from the list obligations for which reserves have been created. It has been mentioned that the main objectives of the reserve requirement system are to provide banks with sufficient liquidity and to regulate the money supply. Particular attention is paid to the Central Bank as a reserve requirements regulator. In accordance with the changes of the Central Bank of July 1, 2019, the established standards on reserve requirements for deposits in national currency are set at 4%, in foreign currency at 14%. Manipulating the required reserve rate will provide the Central Bank with the opportunity to adjust the liquidity and solvency both of an individual bank and the entire banking system. The method of averaging required reserves includes the possibility for a commercial bank not to transfer reserves to the Central Bank based on a certain sum of money. The averaging coefficient is set at 0.25 to the standard volume of required reserves

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