This study investigates the perception of relationship between interest-free financing contracts Islamic banking as an incentive to provide voluntary information disclosure among entrepreneurs in Nigeria thereby reducing incidence asymmetry. Questionnaires were used instrument data collection. Multivariate Logistic Regression Model was employed estimate model. The result showed a positive and s...

Financial structure is a combination of debt and equity and regards as one of the most important issues in banking industry. The purpose of financial structure decision is to create an appropriate combination of financing resources to minimize the cost of capital and thus maximize the company's market value. This study investigates the impacts of banks financial structure on their Returns (ROA ...

This paper explores the level of adoption of the Internet banking service in the corporate sector of Croatia as newly acceded EU country, with goal of finding out the reasons behind the service’s usage or refusal to use. Furthermore, we seek an answer on the frequency of usage of certain Internet banking functionalities among those companies which implemented the Internet banking. Finally, we h...

This paper examines the role of the banking system in the German model of industrial development. It argues that the banks continue to fulfill several of their traditional functions in industrial finance, despite dramatic changes in financial regulation and the internationalisation of product and capital markets. This helps explain the successful adjustment of German industry since the early 19...

Hawala, an ancient banking system that originated in the Middle East and South Asia, has spread around the world. Secretive by nature, hawala remains a mystery to most people outside of the ethnic communities that use it. It is fast, inexpensive, reliable, convenient, and, most notably, discreet. These qualities have earned hawala many legitimate customers, not to mention money launderers and t...

The gender gap in entrepreneurship is well-documented. Firms founded by females raise significantly less start-up capital, which hurts their chances of success. There is empirical evidence that the gap can be partially explained by factors in the financial industry and by female entrepreneurs’ preferences for particular types of financing. A new method of acquiring startup capital, equity crowd...

We compare China’s financial system to those of the developed countries, in particular, the US system dominated by financial markets, and the German system dominated by the banking sector. We examine financial systems’ properties, including risk sharing, information provision, funding new and mature industries, financial crisis, corporate governance, and the relation between the financial and l...

We study how US branch banking deregulations a¤ected the entry and exit of …rms in the non-…nancial sector using establishment-level data from the US Census Bureau’s Longitudinal Business Database. The comprehensive micro-data allow us to study how the entry rate, the distribution of entry sizes, and survival rates for …rms responded to changes in banking competition. We also distinguish the re...

We show real effects in the banking sector that emanate from transparency in the industrial sector. Transparent financial reporting by industrial firms facilitates access to arm’s-length financing from capital markets and diminishes these firms’ reliance on banks. Banks, as a result, face increased competition in their product markets and seek to offset their lost rents by – (i) taking on more ...