Credit is a strategic empowerment tool that has the potential to change the life of a person, family or community from a situation of abject poverty to a more dignified life. It can transform self-image, unlock potential and boost the productivity and well-being of the poor and vulnerable, especially farmers. This paper estimates the determinants of credit demand by farmers and supply by Rural ...

We analyze asset-backed commercial paper conduits which played a central role in the early phase of the financial crisis of 2007-09. We document that commercial banks set up conduits to securitize assets while insuring the newly securitized assets using credit guarantees. The credit guarantees were structured to reduce bank capital requirements, while providing recourse to bank balance sheets f...

It is well established that equity issuance for most non-financial firms is procyclical. This paper shows that, in contrast, equity issuance for banks is countercyclical across credit cycles after 1980, as is retained income. Thus, during credit booms, banks raise less equity, even though more equity might help banks better absorb shocks. This paper shows that government guarantees play a cruci...

banks play important roles in promoting national development. in order to provide efficient services and to perform their statutory roles effectively, banks are required to comply with established standards. in nigeria, the statement of accounting standards (sas), companies and allied matters act (cama) and the central bank of nigeria’s directives and regulations provide guidelines to banks in ...

This research work focuses on the risk management practices adopted by Commercial Banks in Nigeria that are related to the outsourcing of information systems (IS). The need for the research emerged from the lack of studies addressing these problems in developing countries in general and in this country in particular. The research reported in this paper shows that despite the globally increasing...

and Richard Kopcke provided helpful comments. The data used in the study were made available by Bank Rate Monitor. Joshua Congdon-Martin and Marie Willard supplied excellent research assistance. The debate on automated teller machine (ATM) fees heated up recently, when voters in San Francisco and Santa Monica approved bans on banks' charging non-customers for using their ATMs. A federal court r...

corporate governance (cg) is an important effort to ensure accountability and responsibility and is a set of principles, which should be incorporated into every part of the organization. this study focused on the state of corporate governance (cg) in two categories of the banking industries: conventional banks and islamic banks. as conventional banks and islamic banks differ a great deal in the...

This study was conducted to investigate the relationship between the perception of the employees of the banks in Gaza, Palestine and the impact of such a perception on their commitment to these banks. Precisely, this study wanted to examine the impact of perceived job satisfaction, perceived job characteristics, perceived organizational characteristics, and role perception on three dimensions o...

IT landscape is the lifeline of any enterprise – managing it well thus becomes a key business imperative. This is especially true of banks and financial institutions as they function in an economic environment that is often at the brink of volatility. Changes in the market and evolving customer expectations directly impact processes, which necessitates tweaks to back-end IT applications and sof...