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Articles 1 - 30 of 187
Full-Text Articles in Social and Behavioral Sciences
Bankers As Immoral? Some Parallels And Differences Between Aquinas’S Views On Usury And Marxian Views Of Banking And Credit, Thomas E. Lambert
Bankers As Immoral? Some Parallels And Differences Between Aquinas’S Views On Usury And Marxian Views Of Banking And Credit, Thomas E. Lambert
Faculty Scholarship
Since ancient times the practices and ethics of bankers and banking in general have undergone a great deal of criticism. While lending is motivated by profit, and while households are not explicitly coerced into borrowing money, the justice of a system which exploits workers and at the same time encourages them to borrow money in order to maintain a certain standard of living can be viewed as sometimes unfair and perhaps immoral. The value of goods, according to St. Thomas Aquinas and Karl Marx, should mostly reflect the value of labor embodied in them, and for that reason, labor should …
Lobbying – A Financial Perspective, Sean Byrne
Lobbying – A Financial Perspective, Sean Byrne
Theses and Dissertations
U.S. based bank holding companies (BHCs) exert influence at every step in the legislative process where financial regulatory reforms are enacted into law, such as the Dodd-Frank Act, to promulgation of regulations. In Chapter II, we maintain that BHCs, upon facing salient regulation, lobby regulators to have their opinions heard with the goal of favorable regulatory change and to increase non-traditional revenues. We undertook a novel collection of political and financial data from 2003 to 2018, matching 180 pairs of parsed proposed and final regulations. BHCs that participated in commenting on proposed rules are highly successful at having their views …
Workplace Gender Gap: Generational Differences In The Narrative Of Women In The Banking Industry, Carly S. Riehle
Workplace Gender Gap: Generational Differences In The Narrative Of Women In The Banking Industry, Carly S. Riehle
Theses and Dissertations
This qualitative study gathered stories from four generations of women in banking to observe how the gender gap has changed over time through their personal experiences and to determine if there is a new story that can be told about the closing of the gender gap for at least one industry. The study included 36 women from 15 different banks across most regions in the United States. The 60-minute interviews covered 20 questions. Participant answers were coded and analyzed, yielding several themes. The study found that all four generations of women in banking agree there have been substantial improvements to …
Somalia’S State Institutions’ Administrative Capacity Building In Education, Health, Judiciary Services, And The Central Bank, Asad Aliweyd
Somalia’S State Institutions’ Administrative Capacity Building In Education, Health, Judiciary Services, And The Central Bank, Asad Aliweyd
School of Business Student Theses and Dissertations
Aiweyd, A. (2023). Somalia’s State Institutions’ Administrative Capacity Building in Education, Health, Judiciary Services, and the Central Bank.
Since independence in 1960, Somalia has experienced sustained clan conflict, political challenges, prolonged civil war, and famine, severely hindering the development and maintenance of a stable federal government. Research on state-building in Somalia has focused on conflict resolution, civil war, piracy, and state failure. Further research is needed on building administrative capacity in Somalia to help develop well-functioning and stable government institutions. Administrative capacity involves the ability of governments to manage human, physical, financial, and informational resources to deliver on objectives …
Unwilling Gamblers And Loaded Dice: Considering Recession And Crisis As A Natural Effect Of Financial Capitalism, Darlene N. Moorman
Unwilling Gamblers And Loaded Dice: Considering Recession And Crisis As A Natural Effect Of Financial Capitalism, Darlene N. Moorman
The Downtown Review
Under financial capitalism, ordinary people are increasingly becoming 'unwilling gamblers' of a risky and unstable system. This paper explores the social and institutional change behind the neoliberal movement and considers how the politics and policies of neoliberalism have contributed to a certain environment of financial instability. Looking at the changing nature of the economy, the rapid expansion of the financial sector, and the persisting issue of moral hazard underlying risky and speculative behaviors among other items, reveals a financial system in which recessions and crises can be considered a natural, although not inevitable, effect.
Three Chapters On Investments And Financial Institutions, Cao Fang
Three Chapters On Investments And Financial Institutions, Cao Fang
Graduate Theses and Dissertations
Only the stock selection (“alpha”) decisions of fund managers who trade on firm-specific information should have predictive return content. Faced with the same information, skilled fund managers make similar stock selection decisions. In Chapter one, we introduce a new measure - stock investment quality - which uses fund quality to weight asymmetries in private information reflected in deviations of fund from peer group ownership on stocks in a style segment. We show stocks ranked high on investment quality generate significantly higher excess returns that persist through the ensuing year. The positive investment quality–future return relationship is robust to alternative fund …
The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson
The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson
Graduate Theses and Dissertations
Consumers continue to demonstrate a willingness to accrue more debt. They are also more accepting of increased repayment risk via the acceptance of longer loan terms. Extant research on consumer borrowing consists primarily of experiments designed to assess consumer choices and understand how consumers evaluate loan attributes in relation to one another within consumer borrowing contexts (Kamleitner, Hoelzl, and Kirchler 2012; Ranyard et al., 2006). Thus, prior research examines consumer responses to loan information rather than the generation of loan parameters at the time of financing. With important implications for consumers, marketers of financial products, academic researchers, and federal regulators, …
Reconciling Conflicting Institutional Logics: Community Reinvestment Officers At The Intersection Of Public Policy And Market Forces, Meredith Mckee Adkins
Reconciling Conflicting Institutional Logics: Community Reinvestment Officers At The Intersection Of Public Policy And Market Forces, Meredith Mckee Adkins
Graduate Theses and Dissertations
Although the public policy literature has traditionally focused on public sector agencies’ roles in the policy implementation process, private sector managers who oversee regulatory mandates for their organizations are also policy actors. These actors operate between multiple conflicting field-level institutional logics that create demands that they must reconcile through their work. In the banking sector, the Community Reinvestment Act (CRA), enacted in 1977, and its associated policies are monitored by the banking regulatory agencies and implemented by the senior managers responsible for these mandates at regulated financial institutions. Simultaneously with their responsibility for the policy mission of the CRA, CRA …
Banking Deserts And The Paycheck Protection Program, Kristopher Deming, Stephan Weiler
Banking Deserts And The Paycheck Protection Program, Kristopher Deming, Stephan Weiler
External Papers and Reports
No abstract provided.
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Finance Undergraduate Honors Theses
The objective of this study is to describe the traditional overdraft practices, explain the reaction of the banking industry from the pressure coming from consumers, regulators, and innovative companies to reduce or eliminate overdraft fees to promote consumer financial health.
Digital Only Banks The Changing Face Of Global Banking: Challenges, Opportunities And Aml/Cft Implications For Nigeria, David N. Odu
Digital Only Banks The Changing Face Of Global Banking: Challenges, Opportunities And Aml/Cft Implications For Nigeria, David N. Odu
Bullion
The drastic digitization brought about by evolution of technology in the world has changed almost every sphere of human life with the most recent effect being moved to cashless economy, while the role of digitization in the banking sector is altering customer demand and preferences, banks are becoming digitally oriented to meet the forces of demand and supply. This has led to the birth of digital-only also called challenger bankers or branches banks as they operate without a physical location, only have a location for admin purposes or hosting their servers. This growing wave of consumer oriented banking institutions focuses …
Canadian Banks And Imperialism In The English-Speaking Caribbean, Tamanisha J. John
Canadian Banks And Imperialism In The English-Speaking Caribbean, Tamanisha J. John
FIU Electronic Theses and Dissertations
Canadian banks have been important components of an imperialist system since at least the 19th century. However, their long and rich history of operating as purely exploitative entities in the English-speaking Caribbean region is often overlooked— leading to many incomplete and conflicting narratives about Canada’s role within the global system. I argue that Canada is an imperial actor that exerts agency in supporting a Canadian banking oligopoly both within Canada and in the English-speaking Caribbean. Insufficient attention is given to these Canadian banks, especially considering the power they have wielded in the Caribbean over the centuries. By analyzing the …
Eco-1400 - Money And Banking Syllabus, Cesar Castope
Eco-1400 - Money And Banking Syllabus, Cesar Castope
Open Educational Resources
A comprehensive study of the nature of money and monetary standards; the development, structure, and functions of American central banking; commercial banking; non-bank financial intermediaries; investment banking; and financial markets. Federal and State bank regulation and supervision, major monetary theories. Analysis of the impact and major role of the American banking system on the economy. Includes a study of international finance. Successful completion of this course satisfies one Civic Engagement interaction.
From Red Lines To Brown Circles, Again: Reviving The Legacy Of Maggie L. Walker For Inclusive Economic Liberation, Shekinah Mitchell
From Red Lines To Brown Circles, Again: Reviving The Legacy Of Maggie L. Walker For Inclusive Economic Liberation, Shekinah Mitchell
Richmond Racial Equity Essays: Individual Essays
The author uses the legacy of Maggie Walker as a background for her proposal for radical, community-based intervention, shifting to a brown circles mindset that pushes Richmond to be a more racially equitable place benefiting everyone struggling to find the on-ramp to traditional pathways of wealth building. The tethered relationship of capitalism and racism requires that the dialogue about a more racially equitable Richmond include an honest conversation about money and wealth.
Finance And Economic Performance Across Countries, Monika Islam Khan
Finance And Economic Performance Across Countries, Monika Islam Khan
Theses and Dissertations--Economics
My dissertation consists of three papers on finance and economic performance across countries. The first paper applies the gravity model of international trade to quantify the impact of the banking sector and the stock market on bilateral trade patterns. Following the study of capital structure, I evaluate the mix of external financing sources used for real investment at the macroeconomic level by differentiating between the relative roles of the banking sector and stock market development in determining trade patterns. Using aggregate bilateral trade data for 87 countries over 1976-2012, I find that stock market development has a substantial impact on …
Innovations In Money And Banking Markets, Eduardo Guimaraes Minuci
Innovations In Money And Banking Markets, Eduardo Guimaraes Minuci
Graduate Theses, Dissertations, and Problem Reports
The U.S. banking industry has experienced several technological and banking regulatory changes in the past two decades. This dissertation is composed of three papers that review and investigate how these banking and technological innovations have impacted depositors, bank provision of monetary assets, and bank performance. The order in which the papers are presented follows the order in which they were produced as the production of one paper helped spark ideas that led to the next.
Motivated by the fact that money has become more heterogeneous in terms of its returns, Chapter 1 focus on innovations in money markets by focusing …
The Future Of Work Now: Ai-Driven Transaction Surveillance At Dbs Bank, Thomas H. Davenport, Steven M. Miller
The Future Of Work Now: Ai-Driven Transaction Surveillance At Dbs Bank, Thomas H. Davenport, Steven M. Miller
Research Collection School Of Computing and Information Systems
One of the most frequently-used phrases at business events these days is “the future of work.” It’s increasingly clear that artificial intelligence and other new technologies will bring substantial changes in work tasks and business processes. But while these changes are predicted for the future, they’re already present in many organizations for many different jobs. The job and incumbents described below are an example of this phenomenon. Steve Miller of Singapore Management University and I co-authored the story.
New Kid On The Blockchain: The Rise Of Cryptocurrency In The Global Arena: Humanitarian Usage With Blockchain, Rhonda S. Binda
New Kid On The Blockchain: The Rise Of Cryptocurrency In The Global Arena: Humanitarian Usage With Blockchain, Rhonda S. Binda
Open Educational Resources
In 2018, the world was shaken by the fast rise of Bitcoin and other cryptocurrencies that use a decentralized, blockchain technology for payment transfers outside of the traditional banking system. The potential impact this alternative form of banking could have in the medium and long term on the over 2 billion people globally unbanked is tremendous. Additionally, blockchain itself is being used for value transfer combined with bio and genetic tagging technologies in refugee camps for example, bringing to rise a new era where technology for development is disrupting education, healthcare and security programs globally.
Consumption, Investment, Integration And Digitalisation Lead Growth In Asia, Piyush Gupta, Havovi Heerjee Joshi
Consumption, Investment, Integration And Digitalisation Lead Growth In Asia, Piyush Gupta, Havovi Heerjee Joshi
Asian Management Insights
An interview with Piyush Gupta, Chief Executive Officer and Director of DBS Group, about the Asia growth story and the future of banking.
Letter To The Editor, D. Grant Whaley
Letter To The Editor, D. Grant Whaley
Journal of Agricultural Hemp Research
Letter to the editor on lending in the hemp industry
Bank Loan Loss Provisioning During Election Years In Nigeria, Peterson Kitakogelu Ozili
Bank Loan Loss Provisioning During Election Years In Nigeria, Peterson Kitakogelu Ozili
Bullion
The paper investigates the behavior of loan loss provisions during election years in Nigeria. Election events create uncertainties in the business environment. Election and post-election events may amplify credit risks for banks, requiring banks to keep higher loan loss provisions. Using country-level data, it was revealed that the election year did not have a significant effect on the level of loan loss provisions in the Nigerian banking sector. However, the banking sector had high provisions when it is undercapitalized during election years.
Role Of Agriculture Banking Towards Economic Development, A. Elavarasan
Role Of Agriculture Banking Towards Economic Development, A. Elavarasan
International Review of Business and Economics
Whether financial structure influences economic growth is still considered a crucial policy issue. The aims of this research are to analyze the influence of banking development indicators, agriculture sector and industrial sector on economic growth in Indonesia and to examine the relationships between banking development and economic growth. VAR, a time-series econometric model used in this study, estimating three banking indicators that are assets, credits and third party fund, economic growth average per capita at constant price 2000 and two variables of economic growth in agriculture and industry. Two dummy variables are also implemented in VAR model, they are monetary …
Blockchain Adoption Model For The Global Banking Industry, Zaina Kawasmi, Evans Akwasi Gyasi, Deneise Dadd
Blockchain Adoption Model For The Global Banking Industry, Zaina Kawasmi, Evans Akwasi Gyasi, Deneise Dadd
Journal of International Technology and Information Management
Blockchain has become the new hype term in the business world for the last decade. Due to the new technology’s characteristics and innovative applications, it is being adopted globally in a wide number of industries including the banking industry, yet no adoption model is provided to guide this process. This research aims to contribute to facilitating the successful adoption and implementation of the blockchain new technology in the banking industry. Building on the assumption that the blockchain’s adoption in banking will be directed by the regulations and best practices guidelines of the global banking regulatory bodies and practitioner, this research …
Determinantes De La Demanda Del Microcrédito En Colombia, Juan Carlos Rocha Roa
Determinantes De La Demanda Del Microcrédito En Colombia, Juan Carlos Rocha Roa
Economía
El microcrédito ha evolucionado progresivamente dentro del mercado financiero colombiano durante los últimos diez años, dando a la población de menores recursos y que no cuenta con historial crediticio ni garantías financieras la posibilidad de acceder a créditos de bajo valor, generando un proceso de inclusión financiera dentro del país, los microcréditos han tenido como fin el consumo, el emprendimiento y los procesos productivos para las familias y empresas. El aumento en la oferta y la demanda de estos créditos ha generado nuevos retos para los bancos cooperativas y ONG’S que buscan mitigar los riesgos operativos, comerciales y de control, …
In Search Of Work-Life Balance: Organizational And Economic Challenges Confronting Women In Banking And Management Consulting Firms In Southwest Nigeria, Oluwafisayo Ogundoro
In Search Of Work-Life Balance: Organizational And Economic Challenges Confronting Women In Banking And Management Consulting Firms In Southwest Nigeria, Oluwafisayo Ogundoro
Electronic Theses and Dissertations
Married women in the banking and management consulting firms in Nigeria encounter challenges that affect their commitment to their families while working long hours in demanding jobs. This study explores the challenges married women encounter and the impacts they have on women’s family lives, social lives, and health. I analyze primary and secondary sources to understand how organizational work culture such as long working hours, work competitiveness, and Nigeria’s unstable economy negatively affect the work-life balance of married women in banking and management consulting firms. Although participants shared the belief that their workplaces practiced “equality,” their descriptions of daily life …
Toward A More Universal Currency: The Impact Of The Clearing Mechanism On Developing Economies, Evan Ross Kaderbeck
Toward A More Universal Currency: The Impact Of The Clearing Mechanism On Developing Economies, Evan Ross Kaderbeck
Applied Economics Theses
Toward a More Universal Currency:
The Impact of the Clearing Mechanism on Developing Economies
As part of a broader plan to reform the system of international finance, experts have indicated the need to modify the system of international money. They point to problems such as the difficulties faced by developing countries in obtaining hard currency needed for imports, or the flows of hot money which make the financing of long-term development projects difficult. Some have called for a form of universal currency, used only in international trade. Developing nations especially need access to a clearing mechanism which would eliminate the …
Venezuela Undermines Gold Miner Crystallex's Attempts To Recover On Its Icsid Award, Sam Wesson
Venezuela Undermines Gold Miner Crystallex's Attempts To Recover On Its Icsid Award, Sam Wesson
Loyola of Los Angeles International and Comparative Law Review
No abstract provided.
Financial Repression In China: Short-Term Growth But Long-Term Crisis, Guangdong Xu, Michael Faure
Financial Repression In China: Short-Term Growth But Long-Term Crisis, Guangdong Xu, Michael Faure
Loyola of Los Angeles International and Comparative Law Review
No abstract provided.
Making Consumer Finance Work, Natasha Sarin
Making Consumer Finance Work, Natasha Sarin
All Faculty Scholarship
The financial crisis exposed major faultlines in banking and financial markets more broadly. Policymakers responded with far-reaching regulation that created a new agency—the CFPB—and changed the structure and function of these markets.
Consumer advocates cheered reforms as welfare-enhancing, while the financial sector declared that consumers would be harmed by interventions. With a decade of data now available, this Article presents the first empirical examination of the successes and failures of the consumer finance reform agenda. Specifically, I marshal data from every zip code and bank in the United States to test the efficacy of three of the most significant post-crisis …
Banking Efficiency Within The World’S Largest Banks: Application Of Data Envelopment Analysis To The Global Financial Crisis Of 2008, Devin Coffey
Honors Theses
The world’s financial system is one of the globe’s most powerful structures, however the institutions that make up this network of banking firms are certainly not immune to the pressures of market globalization and technical innovation that drive change within the financial landscape. In order to exist within such an environment, the world’s largest commercial banks must constantly reevaluate the ways in which they function in order keep pace in the competitive market. The objective of this paper is to examine the efficiency of ten of the world’s largest commercial banks during the period spanning from 2006 to 2015. Utilizing …