Abstract Despite the successful adoption of mobile money in sub-Saharan Africa, there is limited empirical evidence on how interacts with traditional financial services and implications this interaction for firm performance. In paper, we investigate effects use access to labour productivity test whether can accentuate impact productivity. Using firm-level data from World Bank Enterprise Survey ...

Recently, several spectacular bankruptcies, including Fannie Mae, Freddie Mac, Washington Mutual, Merrill Lynch, and Lehman Brothers, have caught the world by surprise. To improve the accuracy of financial distress predictions, this research compares traditional statistical methods (i.e., linear discriminant analysis, logistic regression), decision tree classification methods (i.e., C5.0, CART,...

Financial intermediation in Iran's banking system is negatively affected at least in two ways. First, there are many similarities between financial intermediation and usurious activities in the common interpretation of interest-free banking law. This encourages the banks to participate in various commercial activities. Second, the price setting policies of the central bank makes investment more...

Software testing is becoming more and more difficult task every day because in the current software engineering cycle the design and testing activities are separated, which leads to a situation where test cases are not in harmony with the actual application. One way to solve this problem is to take a model of the application into use, which can be, e.g., a user interface model and from which th...

Credit is a widely used tool to finance personal and corporate projects. The risk of default has motivated lenders to use a credit scoring system, which helps them make more efficient decisions about whom to extend credit. Credit scores serve as a financial user model, and have been traditionally computed from the user’s past financial history. As a result, people without any prior financial hi...

Food MSME actors in traditional markets have limited capital so that the government helps MSMEs through People's Business Credit (KUR) program. However, SMEs another obstacle, namely inability to make acceptable financial reports as basis for providing credit or non-credit from banking institutions other institutions. Financial records are important information such cash in, out, accounts recei...

We explore the potential benefits of a series of existing and new non-parametric convex and non-convex frontier-based fund rating models to summarize the information contained in the moments of the mutual fund price series. Limiting ourselves to the traditional mean-variance portfolio setting, we test in a simple backtesting setup whether these efficiency measures fare any better than more trad...

Purpose. The purpose of the article is to study degree disclosure information about risks economic activity enterprises in non-financial statements and find ways improve organization methods analysis such based on financial companies.
 Methodology / approach. methodological basis a systematic approach, generalization, comparison, abstraction, analysis, synthesis, induction deduction, bibli...