Finance and Financial Management Commons^™

2023 Community Bank Case Study Competition, Alivia Brewer

Finance Undergraduate Honors Theses

Study of Chambers Bank, located in Danville, Arkansas for the 2023 Community Bank Case Study Competition. This paper covers financial analysis, training and technology, as well as staffing.

2023 Community Bank Case Study Competition, Joseph Kelly

Finance Undergraduate Honors Theses

We studied a community bank in Danville, Arkansas named Chambers Bank. This was part of a 2023 Community Bank Case Study Competition, which illustrated the financial analysis, staffing, and training of the bank. We learned about technology implemented into the bank, and how the bank works with customers locally to ensure the best quality care.

Strategies For Mitigating The Costs Of Evolving U.S. Governmental Regulations In The Financial Investment Industry, Walter Steven Miller

Walden Dissertations and Doctoral Studies

Financial investment leaders who lack strategies to respond to U.S. government financial policy changes’ risk decreasing organizational profitability resulting in customer and employee attrition. Grounded in Porter’s theory of competitive advantage, Barney’s resource-based view (RBV) theory and Pigou’s public interest theory, the purpose of this qualitative multicase study was to explore strategies financial investment leaders use to respond to U.S. governmental policy changes. The participants comprised three financial investment leaders at three Jacksonville, Florida organizations. Data were collected using semistructured interviews conducted face to face and by telephone along with documents obtained from the company websites. Through thematic analysis four …

Strategies For Mitigating The Costs Of Evolving U.S. Governmental Regulations In The Financial Investment Industry, Walter Steven Miller

Walden Dissertations and Doctoral Studies

Financial investment leaders who lack strategies to respond to U.S. government financial policy changes’ risk decreasing organizational profitability resulting in customer and employee attrition. Grounded in Porter’s theory of competitive advantage, Barney’s resource-based view (RBV) theory and Pigou’s public interest theory, the purpose of this qualitative multicase study was to explore strategies financial investment leaders use to respond to U.S. governmental policy changes. The participants comprised three financial investment leaders at three Jacksonville, Florida organizations. Data were collected using semistructured interviews conducted face to face and by telephone along with documents obtained from the company websites. Through thematic analysis four …

Determinants Of Net Interest Margin For Banks Operating In Pales-Tine, Islam Abdeljawad, Ajyad Bahlaq

An-Najah University Journal for Research - B (Humanities)

The goal of this research is to identify the factors that influence the net interest margin (NIM) for Palestinian conventional banks. Palestine is a unique country with poor governance, political uncertainty, and regulatory insufficiency, adding higher information asymmetry to the decision-making process. The sample is comprised of unbalanced panel data from 15 commercial banks for the period 2011–2020. The research used a pooled OLS, a fixed-effect model, a random effect model, a robust pooled OLS, a difference GMM, and a system GMM estimators. Evidence collected supports that net interest margin is positively influenced by risk aversion, operating costs, and loan-to-deposit, …

Does Herding Behavior Exist In The Cryptocurrency Market?, Anis Mnif

Doctoral Dissertations (DBA)

This paper examines herd behavior in the cryptocurrency market using data of the top 15 large cryptocurrencies and the CCi30 Index as a proxy for market return. The idea that investors mimic and follow the behavior of others in the cryptocurrency market rather than conducting their own research has received attention in the finance literature. The CSAD results in the static model detected herding but given the existence of structural breakdowns and nonlinearities in the data series, we opted to conduct a rolling window analysis. The results indicate strong herding behavior that fluctuates over time. Furthermore, results from the logistic …

Budgeting And Cataloging Enhancement For Small And Medium-Sized Enterprises Towards Sustainable Development Goals, Velicia Faustine Halim, Hasnul Suhaimi

Journal of Environmental Science and Sustainable Development

This paper describes a business coaching activity for small and medium enterprises (SMEs) in chemical and waste management industries. Based on the analysis results, there was a lack of budgeting practice and suboptimal catalog marketing that comprised the majority of existing problems in SMEs. This research aims to assist the SME in improving its budgeting practice and product catalog. The method used is a qualitative method based on a business coaching approach. The research instruments adopted included in-depth individual interviews (IDI). The collected data was then processed and analyzed, starting with generating the SME's business process and service blueprint, followed …

On Teaching Multi-Criteria Decision Making With A Robot Assistant, Chen Zhang, Hakan Saraoglu, David A. Louton

Information Systems and Analytics Faculty Conference Proceedings

We propose a system and method for a robot assistant for teaching multi-attribute decision making (MCDM). Through questions and answers in natural language, the robot assistant learns the user’s preferences on multiple criteria involving a selection decision and makes recommendations using data on each criterion and the learned user preferences. It will include a use-case demonstration where NAO the robot will assist a human in forming a simple portfolio of mutual funds. Presenters will illustrate the architecture of the robot assisted MCDM and describe a method that is extensively used to structure complex decision problems and has been applied to …

Insider Trading And Corporate Spinoffs, Charlie Charoenwong, Kuan Yong David Ding, Jing Pan

Research Collection Lee Kong Chian School Of Business

This paper studies insider trading to examine undervaluation as a motive behind corporate spinoffs. We show an unmistakable increase (decrease) in the number of insider purchases (sales) and net purchases (sales) in the four quarters prior to a spinoff announcement. In addition, relative to a benchmark period, insider selling is significantly lower, and their net purchases significantly higher, in the three quarters prior to a spinoff announcement compared to other periods. We find that announcement period excess returns for abnormal net insider purchases are significantly higher than excess returns for abnormal net insider sales. Moreover, only firms with abnormal net …

The Effect Of Sustainability Information Disclosure On The Cost Of Equity Capital: An Empirical Analysis Based On Gartner Top 50 Supply Chain Rankings, Lingyu Li, Xianrong Zheng, Shuxi Wang

Information Technology & Decision Sciences Faculty Publications

While disclosing financial information has been widely proved to reduce the financing cost of a company, the impact of non-financial information, such as sustainability information, disclosing on the financing cost of the company is still in debate. The goal of this paper is to explore the impact of disclosing sustainability-related information on the cost of equity for firms. The paper first introduces the concept of sustainability information disclosure, and then exhibits its benefit through exploring its impact on reducing a firm’s financing cost. It uses the Gartner supply chain top 50 rankings to construct the experiment environment to test for …

Investigating The Relationship Between Monetary Policy, Macro-Prudential Policy And Credit Risk In Indonesia Banking Industry, Cep J. Anwar, Indra Suhendra, Eka Purwanda, Agus Salim, Nur A. Rakhmawati, Ferry Jie

Research outputs 2022 to 2026

Using a novel panel data set we study the influence of monetary and macro-prudential policies on non-performing loans as a measure of credit risk in Indonesian banking industry from Q1 2010 to Q4 2022. The panel homogeneity assumption was verified through the utilization of the Chow and Roy-Zellner tests. The findings showed that the model was not homogenous, necessitating the use of the Pooled Mean Group (PMG) estimator. The results indicated that monetary and macro-prudential policies significantly impacted credit risk. Furthermore, tight monetary and macro-prudential policies increased and reduced credit risk in the long run, respectively. The findings also showed …

Analisis Pengaruh Risiko Kredit, Risiko Likuiditas, Serta Risiko Operasional Terhadap Kinerja Perbankan: Studi Kasus Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia Periode 2016-2020, Jihan Yunike, Imo Gandakusuma

Jurnal Manajemen dan Usahawan Indonesia

Researchers conducted research on banks in Indonesia to assess the effect of credit risk, liquidity risk, and operational risk on banking financial performance. Data is obtained from the IDX website and banks from 38 conventional commercial banks that met the criteria for the 2016-2020 period. Researchers used the fixed-effect model (FEM) to analyze the results of this study.The results of this study indicate that credit and operational risks have a significant effect on the company's financial performance. On the other hand, liquidity risk has an insignificant effect on the company's financial performance. The results can be used by the company's …

Peran Pendidikan Ceo, Keberagaman Gender , Dan Dimensi Keuangan Perusahaan Terhadap Pengungkapan Csr Sektor Manufaktur Di Indonesia, Fanindya Dwimartha, Muthia Pramesti, Liyu Adhi Kasari Sulung, Imo Gandakusuma

Jurnal Manajemen dan Usahawan Indonesia

This study aims to analyze the effect CEO education, board gender diversity, and firm’s financial dimension on CSR disclosure. The sample used in study includes 22 publicly listed manufacturing firms in the Indonesia Stock Exchange that disclosed their ESG scores during the period of 2015 until 2019. This research used panel data which was later run using fixed effects model data. The result explains that both firm size and CEO education positively impact CSR disclosure at manufacturing firms and the impact is significant.

Pengaruh Nilai Esg Dengan Kebutuhan Modal Kerja: Analisis Perusahaan Listing Indonesia Periode 2015-2020, Vani Rahmita, Eko Rizkianto, Hendro Prabowo

Jurnal Manajemen dan Usahawan Indonesia

This study aims to analyze the effect of ESG score and its pillars (environmental, social, and governance score), as a proxy of sustainable companies, on working capital requirements (WCR) and cash conversion cycle (CCC) of Indonesian listing companies for the period 2015-2020. The ESG and pillar scores are obtained from the Thomson Reuters Refinitiv Eikon terminal. The research covers 29 non-financial listed companies in Indonesia in the six years with a total of 174 observations through the purposive sampling technique. This study finds that on average non-financial companies in Indonesia use a conservative working capital strategy which makes the company's …

Optimizing Repayment Strategies For Egyptian Construction Companies With Multiple Loans, Moataz Elkady

Theses and Dissertations

Optimizing Repayment Strategies for Egyptian Construction Companies with Multiple Loans is of utmost importance to efficiently allocate monthly income for loan repayment. The conventional practice of paying the minimum balance due each month leads to increased interest charges and prolonged repayment periods. In response, this research proposes a model for multiple loan repayment that considers the computational complexity involved.

The model is built on the foundation of mixed integer linear programming and aims to establish an optimal repayment schedule by minimizing the total cash required to repay the loans, prioritizing the repayment of loans before personal expenses. The implementation of …

A Path To Conventional Equity For Cdfis: Cdfi Equity Project Report, Charles Tansey, Michael E. Swack

The Carsey School of Public Policy at the Scholars' Repository

In this report designed to serve the Community Development Financial Institution (CDFI) sector, authors Charles Tansey and Michael Swack describe a step-by-step blueprint for accessing private equity in Stage One and conventional equity in the public market in Stage Two through participating CDFIs. In addition to providing a blueprint, the report documents the affirmation that a portion of CDFI equity can be—and should be—self-sustaining. It also demonstrates how this equity can be widely accessible by the broader CDFI industry over time.

The Administrative, Financial, And Technological Requirements For The Success Of The Financial Technology Industry In The Arab Countries, Yusuf Abu Fara, Sharif Abukarsh

Journal of the Arab American University مجلة الجامعة العربية الامريكية للبحوث

This study aimed at identifying the requirements of the success of financial technology industry in the Arab countries. The use of technology in financial transactions began a long time ago; for example, the ATM technology has been in services since 1967. Recently, the use of technology has expanded significantly in many financial areas. In recent years (especially since 2014), the term financial technology has spread as a new term in the world of finance and business. The financial technology has significant and clear effects on the methods of providing financial services and payment processes, virtual currencies and others. It also …

Assessing The Effect Of Fintech Adoption On Country's Productivity, Mai Metwally

Theses and Dissertations

The relationship between total factor productivity of countries, for both low-income and high-income countries, and Fintech adoption will be examined in this paper. Also, a background on Fintech history will be discussed and explored briefly along with Fintech future risks and opportunities. Starting off with the importance of TFP, it is also known to be "Solow residual" (named after American Economist "Robert Solow"). TFP shows and examines the performance along with efficiency of the entity or country. It shows how well and efficient the firm or country in transforming its inputs to the desired outputs. Moreover, it is the ratio …

Fintech Companies Valuation Using Real Options: Fawry Empirical Study, Yassmen Abou Elwafa

Theses and Dissertations

This thesis presents an improved valuation approach for Fintech companies, which are high-growth technology-based firms. We first identify the shortcomings of traditional valuation methods in valuing high-growth technology firms. Then, an alternative valuation technique based on real options theory is discussed to value fintech companies. The relevance and validity of using real options valuation to value fintech firms are also discussed. We propose a new flexible framework for valuing fintech companies by extending the Schwartz-Moon (2001) model to include various types of real options. To validate the practical application of the Extended Schwartz-Moon model, we conduct an empirical study to …

An On-Ramp To Financial Inclusion: Measuring The Impact Of Mercy Corps' Community Investment Trust Program On Minority Investors, Lexi Yokote

University Honors Theses

Mercy Corps' Community Investment Trust (CIT) was launched in 2017 as a low-risk real estate investment and education initiative. The program is now working to replicate this in cities across the United States. However, it has not been able to collect much feedback from existing investors about their experiences and needs. This paper will use primary and secondary research in the form of a literature review and original surveys to collect information about investor demographics, attitudes toward the CIT and investing, risk perceptions, and future investment plans. The results show that U.S.-born versus foreign-born status, ethnicity, and gender affect the …