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نظم المعلومات الابتكارية ودورها في تعزيز فعالية ادارة راس المال العامل في المصارف العراقية: دراسة تحليلية لعينة من المصارف العراقية المدرجة في العراق للأوراق المالية, نوار عاصي نعيمة

Muthanna Journal of Administrative and Economics Sciences

يهدف البحث الى معرفة الدور الذي تلعبه نظم المعلومات الابتكارية في تفعيل وتطوير السياسات راس المال العامل في المصارف العراقية وتم تحقيق ذلك من خلال تحليل عمليات الانفاق على أدوات نظم المعلومات الابتكارية من الاجهزة الالكترونية وشبكات معلوماتية فضلا عن اجراء التحليل لقياس سياسات راس المال العامل المطبقة في عينة من المصارف العراقية المدرجة في سوق الاوراق المالية للفترة المالية (2018-2019-2020) وتم من خلال ذلك التحليل اختبار فرضية البحث وتحقيق اهدافه. واهم ما توصل اليه البحث يتمثل بان تطبيق النظم المعلومات الابتكارية في المصارف العراقية يساهم في توفير الدقة المناسبة لإنجاز الاعمال في الوقت المحدد بما يقلل من المخاطر المالية …

Measuring The Efficiency Of The External Auditor’S In Improving The Quality Of Financial Reports (An Analytical Study Of A Sample Of Auditors In External Audit Offices), Ayad Raheem Jalfan

Muthanna Journal of Administrative and Economics Sciences

The research mainly aims to clarify the role of the auditor’s professional specialization in improving the quality of financial reports. A questionnaire was directed to a group of accountants and external auditors working in audit offices to determine the role of auditors’ professional specialization in the quality of financial reports. In order to link the questionnaire to practical reality, the questionnaire was distributed. To accountants and auditors working in audit offices, )130( questionnaires were distributed, 108 questionnaires were retrieved,)22( questionnaires were considered damaged and not returned. The necessary data were collected and analyzed using the (SPSS) program, and the results …

تشخيص الاداء المصرفي عبر نموذج Bankometer لعينة من المصارف العراقية الخاصة, سعد مجيد الجنابي

Muthanna Journal of Administrative and Economics Sciences

يهدف البحث الى استخدام نموذج Bankometer) ( لتشخيص وتقييم الاداء المصرفي الحالي والمستقبلي لعينة من المصارف العراقية الخاصة وقدرة هذا النموذج على اكتشاف مواطن الخلل والضعف لمعالجتها في الوقت المناسب قبل استفحالها وتحديد مواطن القوة لتعزيزها , والتعرف على مركزها المالي , اذ تتكون عينة البحث من خمس مصارف تجارية مدرجة في سوق العراق المالي للمدة من (2013 – 2022) , وأُستخدم هذا النموذج بوصفه احد النماذج الحديثة الذي قُدّم من قبل صندوق النقد الدولي سنة 2000, اذ يتميز هذا النموذج باحتواءه على ست نسب مالية ليكوَّن منها معـادلة خـطية ( S -Score ) يمكن من خلالها تقييم وتشخيص اداء …

مقومات الانتاج النظيف مدخلاً لتحقيق التنمية المستدامة دراسة لعينة من العاملين لمجموعة شركات هيمن لصناعة المفروشات في دهوك, نضال علي سلمان

Muthanna Journal of Administrative and Economics Sciences

هدف البحث الحالي الى بيان علاقات الارتباط والاثر بين مقومات الانتاج النظيف (الممارسات التشغيلية, التغير في المواد الاولية, التغييرات التقنية, التغيير في تصمم المنتج, التقليص واعادة التدوير) وبين (التنمية المستدامة ) على مستوى شركات هيمن لصناعة (الاسفنج , المفروشات ,الحديدB.R.C , ) وقد انطلقت مشكلة البحث من تساؤل فحواه : ما طبيعة مقومات الانتاج النظيف التي تقدمها الشركات في مجال تحقيق التنمية المستدامة وعلى نحو يجعل من هذه المجالات اساساً لحماية البيئة من التلوث ؟واعتمدت البحث الحالي الاستبانة كأداة رئيسة لجمع البيانات من عينه بلغ حجمها ( 124) فردا علماً ان حجم المجتمع بلغ ( 200) فردا اي ان نسبة …

دور روح دعابة القائد وسلوك المواطنة التنظيمية في التوجيه نحو الزبائن: دراسة استطلاعية لعينة من العاملين في بعض المصارف الحكومية والخاصة, عامر عبد الطيف كاظم, اريج كريم رحمان, كرار فاضل خلف

Muthanna Journal of Administrative and Economics Sciences

يتناول هذا البحث دراسة العلاقة بين روح الدعابة لدى القيادة وسلوك المواطنة التنظيمية الموجه نحو الزبائن، وذلك من خلال إجراء دراسة استطلاعية لعينة من العاملين في المصارف في محافظة البصرة. تم استخدام استبيان لجمع البيانات من 200 موظف في مصرف في القطاع العام (الرشيد/ السيف ) ومصرف في القطاع الخاص( التنمية الدولي) ، وتم تحليل البيانات باستخدام برنامج [SPSS-Amos] لتحديد العلاقة بين روح الدعابة لدى القيادة وسلوك المواطنة التنظيمية الموجه نحو الزبائن. أظهرت النتائج أن روح الدعابة لدى القيادة لها علاقة ارتباط وتأثير إيجابي على سلوك المواطنة التنظيمية الموجه نحو الزبائن، وبالتالي يعد دعم روح الدعابة من القيادة أمرًا مهمًا …

التحديات وآفاق المواجهة لأنشطة التدقيق الداخلي في عالم الــــMetaverse / بحث تطبيقي في هيئة استثمار البصرة, ايمان كاظم مال الله عباس, محمد حامد فالح, مامون علي طالب

Muthanna Journal of Administrative and Economics Sciences

نتيجة لتزايد الاهتمام بتقنية الــــMetaverse من قبل المؤسسات البحثية والشركات التكنلوجية ، ونظراً لما تتمتع به تلك التقنية من مميزات يستطيع من خلالها المشتركون من جمع الواقع الافتراضي بالواقع المعزز في بيئة واحدة ، مما جعل ذلك مصدر جذب للوحدات الاقتصادية من الدخول إلى البيئة الافتراضية لتلك التقنية ، ما أوجب على مهنة التدقيق الداخلي للتكييف مع المستجدات الحاصلة في بيئة الأعمال الافتراضية ، وعليه يَخلُص هذا البحث إلى مشكلة تقضي بتحديد طبيعة التحديات ذات العلاقة بأداء أنشطة التدقيق الداخلي في عالم الــــmetaverse وسبل مواجهته لها . ومن النتائج التي أفرزها هذا البحث هي ، لدى المدقق الداخلي الإمكانية من …

الاقتصاد الرقمي ودوره في زيادة الايرادات الكمركية في العراق للمدة 2019-2022, عدي صابور محمد

Muthanna Journal of Administrative and Economics Sciences

ان هذا البحث يهدف إلى دراسة دور الاقتصاد الرقمي في زيادة الإيرادات الكمركية في العراق خلال المدة من 2019 إلى 2022، مع التحول العالمي نحو الاقتصاد الرقمي ظهرت تقنيات جديدة وتطبيقات متعددة أثرت بشكل مباشر على الأنظمة الكمركية وكفاءتها، مما سينعكس إيجابياً على الإيرادات الكمركية، وأظهرت النتائج أن تبني التقنيات الرقمية مثل أنظمة إدارة البيانات الكمركية المتقدمة أدى إلى تحسين الكفاءة وتقليل التهريب والفساد، كما تؤدي هذه التقنيات الى زادت الشفافية وسرعة المعاملات الكمركية، مما ساهم في زيادة الإيرادات الكمركية بشكل ملحوظ خلال مدة الدراسة، ومن اهم التوصيات التي تم التوصل اليها في هذا البحث الى ضرورة استمرار الاستثمار في …

Using Mlm, Nws And Lls To Estimate Of A Multivariate Regression Functions Based On The Skewed Heavy Tail Distribution Family, Sarmad Abdulkhaleq Saliha, Omar Ramzi Jasimb

Muthanna Journal of Administrative and Economics Sciences

The families of probability distributions with heavy tails are considered one of the most essential continuous distributions that have broad uses in various areas of life, especially in areas related to economics, which is concerned with the subject of oil prices and securities, so the research was estimated two types of regression functions, represented by the multivariable parametric, non-parametric regression function, depending on the Matrix-Variate Variance Gamma(M-VVG) distribution and Matrix-Variate Normal Inverse Gaussian(M-VNIG) distribution for the error of models. As the multivariate non-parametric regression model was converted into a linear model based on the local polynomial smoother and through the …

Human Capital As A Driving Force For Economic Growth In Gcc Countries: Pooled Mean Group Estimation, Mohamed Sharif Bashir Elsharif

Muthanna Journal of Administrative and Economics Sciences

This study explored the relationship between human capital metrics and economic growth in the Gulf Cooperation Council (GCC) countries from 2000 to 2022. This research utilized a pooled mean group-autoregressive distributed lag approach to empirically assess the influence of selected macroeconomic factors—specifically human capital, gross capital formation, government expenditure on health and education, and foreign direct investment (FDI)—on gross domestic product. The results indicated that, in the short term, all human capital indicators positively impacted economic growth, except for FDI. Conversely, in the long term, all variables’ impact was positive and significant. School enrollment, governmental spending on education and health, …

Strategies For Implementing Organizational Change In The Construction Industry, Ivette Dejesus

Walden Dissertations and Doctoral Studies

Construction business leaders are concerned with failed change initiatives as they have the potential to affect profitability. Grounded in five-P theory, the purpose of this qualitative multiple case study was to explore the strategies that some leaders in construction companies use to implement change initiatives successfully. The participants consisted of five business leaders from three construction companies who have successfully implemented change initiatives within their organization. Data were collected using semi-structured interviews and a collection of organizational documents. Through thematic analysis, five themes emerged: (a) goal setting and planning, (b) effective communication, (c) stakeholder involvement, (d) effective resource and cost …

Effects Of Neuroticism–Anxiety And Sociability Personality Traits On The Relationship Between Testosterone And Risk Propensity In Finance, Urša Ferjančič, Fajko Bajrović, Aljoša Valentinčič

Economic and Business Review

Risky financial decisions, defined as rational calculations between expected risk and reward, are subject to various psychological and neurobiological mechanisms. In this context, the relationship between testosterone levels and risk propensity has been investigated, but the results are inconsistent. Here, the effects of some personality traits, neuroticism–anxiety and sociability, on the relationship between testosterone levels and risk propensity were examined in decisions under risk (GDT) and under uncertainty (BART). In a mixed-sex sample of 100 graduate students and experienced decision makers, we found that basal testosterone levels were positively correlated with risk propensity for decisions under risk in males with …

Mapping Characteristics And Financial Importance Of Development Banks Across The World, Jan Porenta, Vasja Rant

Economic and Business Review

This paper investigates the financial importance of development banks across regions and income groups. We construct a global banking dataset for the period 1995 to 2021 and analyse the distribution of development banking assets across macro regions and country income groups. We create a composite global and national Development Bank Financial Importance index (DBFI index) that enables us to rank the most financially important development banks across the globe. Development banks play significant and diverse roles in the global financial system, but their financial importance varies across regions and income groups. The paper offers a broad analysis of the global …

Exploring The Experiences Of African American Women Parents’ Role Regarding Financial Socialization In Sacramento, California., Anita Renee Johnson

Walden Dissertations and Doctoral Studies

Financial socialization encompasses the process of acquiring financial values, attitudes, norms, knowledge, and behaviors, with parental influence being pivotal in shaping children's financial understanding and well-being. This study addresses the lack of comprehensive research on the financial socialization experiences of African American women and the role played by parents in shaping their financial management skills, self-efficacy, and identity. By bridging this gap, this study provides valuable insights into the financial socialization processes within African American families, which can have long-term impacts on economic outcomes and wealth-building strategies. Recognizing a gap in the literature, this study addresses the lack of comprehensive …

Machine Learning As Arbitrage: Can Economics Help Explain Ai?, Huahao Lu, Matthew Spiegel, Hong Zhang

Sim Kee Boon Institute for Financial Economics

Machine learning algorithms have shown to be remarkably successful tools for predicting asset returns. However, the underlying economic mechanisms behind their performance remain unclear. This paper proposes a model-based dynamic arbitrage trading strategy that combines economic and statistical nonstationarity to demystify this black box. In predicting stock returns based on 153 firm characteristics (anomalies), our strategy ranks anomalies similarly to neural networks in the cross-section. Overall, it accounts for approximately 87.9 bps monthly alphas of the high-minus-low portfolios selected by neural networks in the time series. When unpublished anomalies and microcap stocks are excluded from trading, this strategy can fully …

Essays On Macroeconomics And Banking, Christopher Naubert

Dissertations, Theses, and Capstone Projects

This dissertation consists of three chapters.

Chapter 1 - The Heterogeneous Effects of Interest Rate Liftoff in an Estimated New Keynesian Model In recent years, the question of how central banks should proceed with lifting interest rates from the zero lower bound has moved into focus. I study how alternative plans for interest rate liftoff affect households across the income and wealth distribution in an estimated New Keynesian model with fixed heterogeneity and aggregate shocks. I solve the model globally and develop a new methodology for estimating globally solved, non-linear models. In the estimated model, I find that all agents …

Prurient Nature: Sex Work And Ethics At The Margins Of Finance, Esra S. Padgett

Dissertations, Theses, and Capstone Projects

This dissertation is an ethnographic and semiotic examination of the relationship between payment processing, transactional technologies, and the US adult industry. Based on twenty-four months of fieldwork in Los Angeles, Las Vegas, Miami, and Washington D.C., the dissertation demonstrates that transactional infrastructures, including payment processors, credit card systems, financial institutions like banks, as well as novel technologies like cryptocurrency, have become a key site for an ongoing ethical war around the politics of sex and sex work in the United States. On one hand, ethical fears around sex work have become qualifications for economic exclusion by financial institutions and private …

Essays In Machine Learning, Econometrics, And Computational Economics, Lulu Wang

Dissertations, Theses, and Capstone Projects

Chapter 1 Data-Driven Graph Neural Networks And Realized Volatility Prediction through Graph Discovery: Financial markets’ interconnectedness plays a crucial role in financial predictions. However, existing network structures often fall short in aligning with specific prediction tasks. This paper presents a novel model that integrates graph discovery techniques with Graph Neural Networks (GNNs) to address this challenge, focusing on short-term intraday realized volatility prediction. Our investigation from a graph theory perspective reveals that precision-based graph discovery methods substantially enhance GNNs accuracy by generating meaningful graphs and node embeddings. In contrast, conventional covariance-based approaches exhibit limited effectiveness due to their consideration of …

Using Mentimeter In Online Book Clubs To Engage And Educate Extension Audiences, Nichole Huff, Miranda Bejda, Emily Dewitt, Heather Norman-Burgdolf, Melinda Mcculley

Journal of Human Sciences and Extension

During the COVID-19 pandemic, Cooperative Extension professionals, like many others, were tasked with quickly adapting to accommodate limited face-to-face interactions. The pandemic necessitated that Extension educators leverage online resources to deliver tailored programming in informative and innovative ways while providing engaging, hands-on learning experiences. This article highlights two studies using Mentimeter as a tool to educate and engage Extension audiences through subsequent installments of an online book club. The presented case studies examine the processes and outcomes of a unique educational approach to Family and Consumer Sciences (FCS) in a non-traditional setting. The studies represent two distinct FCS disciplines: Family …

Financial Crises, Bailouts And Monetary Policy In Open Economies, Yang Jiao

Research Collection School Of Economics

I jointly study the optimal bailout policy and monetary policy in open economies that borrow in foreign currency from international lenders. A policy dilemma emerges during financial crises. Policymakers trade off the benefit of more bailouts alleviating firms’ financial constraints against the cost of larger currency devaluation, which tightens firms’ financial constraints. I embed the optimal bailout in an otherwise standard “sudden stop” model with nominal rigidities. The model sheds light on the role of bailouts and currency mismatch in driving the exchange rate dynamics, firms’ balance sheets and economic recovery. Quantitatively, the model matches key business cycle moments. A …

Climate Challenges: Central Banks In The Hot Seat – Rethinking Monetary Policy And Educational Activity, Łukasz Kurowski

Journal of Banking and Financial Economics

Global warming poses many challenges for all economic entities. The two main challenges facing all countries are climate change mitigation and adaptation. Central banks also face difficult tasks in this context. The difficulty stems from the impact of climate change on all sectors of the economy. Central banking has to deal with the new challenges created by climate change for monetary policy, macroprudential policy, but also climate education. The aim of the article is to verify to what extent climate change is considered in the central bank’s main objective – monetary policy. Therefore, the article examines the frequency with which …

Effective Business Sustainability Strategies For Small Retail Convenience Stores, Femi F. Akingbasote

Walden Dissertations and Doctoral Studies

Small retail convenience store owners lack sustainability strategies, leading to the business's failure to survive for five years. Retail convenience store owners who fail to implement sustainability strategies for staying in business beyond five years can experience poor customer satisfaction and experience, high operating costs, decreased sales, and low employee morale. Grounded in the sustainability development theory, the purpose of this qualitative multiple case study was to identify and explore the business sustainability strategies small retail convenience store owners in Maryland, U.S.A., use to stay in business beyond 5 years. The participants were four small retail convenience store owners who …

Utilizing Machine Learning To Forecast Sector-Level Equity Returns From Sector-Level Financial Ratios, Greg Kuppenheimer

Electronic Theses and Dissertations

Academics and equity analysts often utilize fundamental financial ratios to evaluate an industry's financial and operational performance. However, sophisticated econometric methods could be improved for estimating these ratios' importance in predicting sector-level stock return performance. To address this gap, gradient-boosted decision tree methods were applied to the WRDS sector-level financial ratio database to identify if financial ratios effectively forecast sector-level stock returns in future periods. The findings show that these ratios are predictive and economically material, both stand alone and in combination with other macroeconomic factors. Using these predictions, long and long-short sector-level portfolios were created, and most of these …

Four Essays On Banking, Bank Management, And Bank Lending, Jiarui Guo

Theses and Dissertations

This abstract synthesizes findings from four studies examining the liquidity creation, bank-borrower relationships, corporate capital structure, and managerial impact on firm performance, particularly within the context of banking and financial crises, including the COVID-19 pandemic.

The research first identifies the dual shocks of the pandemic—disease and policy-driven (government shutdowns)—on bank liquidity creation. I find that these shocks prompted banks to reallocate liquidity creation from assets (decreasing loans) to liabilities (increasing liquid deposits), which reduced profits and heightened risks.

In exploring bank-borrower relationships, the study highlights the role of banks in utilizing soft private information, such as the moral character of …

Three Essays On Financial Institutions And Financial Intermediation, Xinxin Zhang

Theses and Dissertations

In the first essay, I examine the trading relationship between the manager of a collateralized loan obligation (CLO) deal and the borrowers and/or lenders of the underlying portfolio of the CLO deal. I investigate how these relationships affect the structure and pricing of CLO deals. I find that a stronger relationship between a CLO manager and either borrowers or lenders of loans in the underlying portfolio leads to a smaller equity tranche in the CLO deal and a lower yield spread of the AAA tranche, on average. These results suggest that the CLO manager uses private information from trading relationships …

Driving Green Investments To Address Climate Change, Baptiste Gibrat

Dartmouth College Master’s Theses

The climate crisis is no longer news, and society needs to accelerate the transition to net zero emissions. Otherwise, the consequences of climate change will become increasingly catastrophic.

This thesis develops a framework to drive green investments, which reduce society’s dependance on fossil fuels. Initially, the research provides a comprehensive examination of these investments, followed by an exploration of three strategies to enhance their adoption: leveraging financial instruments and capital markets, implementing regulatory frameworks, and harnessing the power of technologies. To integrate these elements within a comprehensive framework, the study employs market research, reviews relevant literature, and includes interviews with …

Two Essays On Corporate Finance, Yongdong Wang

Theses and Dissertations

This dissertation consists of two essays on corporate finance. In my first essay, I investigate the effect of the top management team (TMT) political heterogeneity on the CEO’s ability to implant her/his ideology onto the firm’s CSR policies. We present evidence that a CEO’s ideology can shape CSR policies only in the existence of a politically homogeneous TMT. This result is robust to the use of the propensity score matching (PSM) approach to address selection bias, the instrumental variable (IV) approach to address endogeneity, and Oster’s test to address omitted variables bias. Further analysis shows that the association between CSR …

Geographic Links And Predictable Returns, Zuben Jin, Frank Weikai Li

Research Collection Lee Kong Chian School Of Business

Using establishment-level data of U.S. public firms, we construct a novel measure of geographic linkage between firms. We show that the returns of geography-linked firms have strong predictive power for focal firm returns and fundamentals. This effect is distinct from other cross-firm return predictability and is not easily attributable to risk-based explanations. It is more pronounced for focal firms that receive lower investor attention, are more costly to arbitrage, and during high sentiment periods. The cross-firm information spillovers and return predictability are also stronger for geographic peers with economic linkages and with positive information. Our results are broadly consistent with …

The Interaction Effects Of Fintech And Bank Lending On Growth: Evidence From The Asean Region, Tan Swee Liang

Research Collection School Of Economics

This study examined the interaction effects of traditional bank lending and emerging fintech credit on economic growth in six ASEAN economies from 2013 to 2020. Using a two-way fixed effects (FE) model and the panel-corrected standard error (PCSE) method, the study found a statistically significant and positive interaction effect between bank lending and fintech credit. Specifically, fintech credit became increasingly important in shaping economic growth as bank lending ratios exceeded a certain threshold. Countries with high bank lending ratios experienced greater GDP per capita growth when accompanied by greater fintech credit. These findings suggest that policies supporting fintech development alongside …

Digital Payments And Consumption: Evidence From The 2016 Demonetization In India, Sumit Agarwal, Pulak Ghosh, Jing Li, Tianyue Ruan

Research Collection School Of Economics

We study how consumer spending responds to digital payments, using the differential switch to digital payments across consumers induced by the sudden 2016 Indian Demonetization for identification. Usage of digital payments rose by 3.38 percentage points and monthly spending increased by 3% for an additional 10 percentage points in prior cash dependence. Spending remained elevated even when cash availability recovered. Robustness analyses show that the spending response is not driven by income shocks, credit supply, price changes, or consumers' moving to the formal market. We provide evidence that digital payments increase consumer spending due to subdued salience.

How Can Cbdcs Be Designed To Drive Financial Inclusion?, Heng Wang

Research Collection Yong Pung How School Of Law

As a new form of national currency, central bank digital currencies (CBDCs) hold the potential to be a transformative innovation that can enhance financial inclusion. However, the realization of this potential is very much contingent on their design. The realization of the benefit is also influenced by the barriers to financial inclusion that were identified in our first blog such as financial literacy, digital divide, and complexity.