الملاءة المصرفية وتأثيرها في المخاطرة الائتمانية دراسة تحليلية لعينة من القطاع المصرفي العراقي الخاص,
2022
جامعة المثنى / كلية الادارة والاقتصاد / قسم العلوم المالية والمصرفية
الملاءة المصرفية وتأثيرها في المخاطرة الائتمانية دراسة تحليلية لعينة من القطاع المصرفي العراقي الخاص, سعد مجيد الجنابي, أحمد حاضر عبد أحمد حاضر عبد أحمد حاضر عبد
Muthanna Journal of Administrative and Economics Sciences
تناول هذا البحث جانب مهم من جوانب العمل المصرفي والذي يتمثل بالملاءة المصرفية والمخاطرة الائتمانية ، اذ يهدف الى تحليل مدى التفاعل بين الملاءة المصرفية والمخاطرة الائتمانية من اجل معرفة طبيعة العلاقة بينهما فضلا عن معرفة قدرة مصارف عينة البحث على سداد التزامات الطويل والقصيرة الاجل، اذ افترض هذه البحث بأن الملاءة المصرفية تؤثر في المخاطر الائتمانية بالاعتماد على الاساليب الاحصائية والمالية المتمثلة بالنسب المالية (للملاءة المصرفية والمخاطرة الائتمانية) والبرنامج الاحصائي 26SPSS v. من اجل معرفة تأثير الملاءة المصرفية في المخاطرة الائتمانية للمصارف التجارية الخاصة عينة البحث، اذ استعملت عينة من المصارف التجارية العراقية الخاصة المدرجة في سوق العراق للأوراق …
Developing Management Skills On The Financial Performance Of Smes Is A Priority In Iraq,
2022
Al-Imam University College
Developing Management Skills On The Financial Performance Of Smes Is A Priority In Iraq, Ahmed Nawar Naseef
Muthanna Journal of Administrative and Economics Sciences
This research aims to develop managerial skills on the financial performance of small and medium-sized companies as a priority in Iraq, in which human resources management is an important aspect in enhancing the competitiveness of the institution and raising its position. Financial performance in terms of indicators, and the research sample was several companies operating in the Iraqi market for securities. This research came out with several conclusions. The most important of which is that strategic human resource management strategies significantly impact the growth and profitability of small and medium companies, and the research recommends several recommendations. The most important …
أثر الانفاق الحكومي على السياسة النقدية في ظل داخلية عرض النقود (العراق أنموذجآ),
2022
جامعة المثنى / كلية الادارة والاقتصاد / قسم العلوم المالية والمصرفية.1,2
أثر الانفاق الحكومي على السياسة النقدية في ظل داخلية عرض النقود (العراق أنموذجآ), علي جابر الحسين, رقية عزيز غانم
Muthanna Journal of Administrative and Economics Sciences
تهدف هذه الدراسة الى بيان العلاقة بين اثر الانفاق الحكومي على السياسة النقدية التي تعكسها متغيرات السياسة النقدية المختلفة بما فيها عرض النقود , وحصر تأثير تقلبات عرض النقود كمتغير داخلي وانعكاساتها على مدى قدرة السياسة النقدية في تحقيق أهداف الاستقرار الاقتصادي والنقدي، وضمان استقرار النظام المالي وتحفيز النمو الاقتصادي. إن المختصين في مجال النظرية النقدية يميزون بين اتجاهين فكريين في تفسير طبيعة التغير الحاصل في عرض النقود، وهذا التمييز وسع دائرة الجدل والنقاش بشأن مدى فاعلية السياسة النقدية في تحقيق أهدافها عندما يكون عرض النقود متغيراً خارجياً أو داخلياً عن طريق استهداف المجاميع النقدية. الكلمات المفتاحية : الانفاق الحكومي, …
دور الائتمان المصرفي في تحقيق الكفاءة والعدالة والرفاهية مصرف الرافدين أنموذجآ للمدة (2008- 2020 ).,
2022
جامعة المثنى / كلية الادارة والاقتصاد / قسم العلوم المالية والمصرفية
دور الائتمان المصرفي في تحقيق الكفاءة والعدالة والرفاهية مصرف الرافدين أنموذجآ للمدة (2008- 2020 )., رزاق ذياب شعيبث, محمد ضايف مزعل
Muthanna Journal of Administrative and Economics Sciences
بعد أربعة عقود من سيطرة الدولة والقطاع العام على مختلف مفاصل الاقتصاد و مزاحمة القطاع الخاص ودخول العراق في ثلاث حروب متتالية، نجم عن هذه الأحداث تشوهات اقتصاديه واجتماعية في الاقتصاد العراقي الأمر الذي دفع بالحكومة إلى تبني سياسة الدعم والتدخل الذي حملها عبئا كبيرا شكل ضغطا على الموازنة العامة، وان كل ذلك يأتي ضمن إطار إمكان تحقيق و بلوغ الرفاهية الاقتصادية للمواطنين , وبالرغم من ذلك نجد إن الرفاهية الاقتصادية في العراق لا تقاس بدرجه التطور الاقتصادي أو نوعيه الحياة بمستويات صحية وتعليمية، بل تقاس بالجمع بين معامل جيني و متوسط دخل الفرد، وان وصل مستوى الرفاهية الاقتصادية في …
العلاقة بين الرفع المالي ومؤشرات الربحية (دراسة تحليلية :لعينة من الشركات الصناعية العراقية للمدة من 2014-2018 ),
2022
جامعة المثنى / كلية الادارة والاقتصاد / قسم العلوم المالية والمصرفية
العلاقة بين الرفع المالي ومؤشرات الربحية (دراسة تحليلية :لعينة من الشركات الصناعية العراقية للمدة من 2014-2018 ), سعد مجيد الجنابي
Muthanna Journal of Administrative and Economics Sciences
تهدف هذه الدراسة الى معرفة العلاقة مابين ادوات الرفع المالي ومؤشرات الربحية , اذ تم اختيار شركات القطاع الصناعي المدرجة في سوق العراق للاوراق المالية باعتبارها من اهم القطاعات كمجتمع للدراسة وتم اختيار عينة من هذا المجتمع تتكون من 10 شركات للمدة من ( 2014-2018) , وتمحورت مشكلة الدراسة بان معظم الشركات تعاني من ارتفاع تكلفة راس المال نتيجة لعدم وجود تخطيط مسبق لوضع هيكل مالي أمثل يتناسب مع قدراتها المالية , والذي يمكن ان تصل به الشركة الى استخدام نسبة الدين وحق الملكية التي تحقق منها الشركة معدل عائد يفوق تكلفة مصادر الاموال وباقل المخاطر, ومن ثم تقديم فرشة …
توظيف بعض من استراتيجيات الإنتاجية الخضراء لتعزيز الميزة التنافسية دراسة استطلاعية في بعض من شركات تعبئة المياه المعدنية بمحافظة البصرة في العراق,
2022
جامعة البصرة / كلية الادارة والاقتصاد / قسم ادارة الاعمال.
توظيف بعض من استراتيجيات الإنتاجية الخضراء لتعزيز الميزة التنافسية دراسة استطلاعية في بعض من شركات تعبئة المياه المعدنية بمحافظة البصرة في العراق, عمار نزار مصطفى, محمد صالح هادي
Muthanna Journal of Administrative and Economics Sciences
هدف البحث إلى التعرف على تأثير توظيف بعض من استراتيجيات الإنتاجية الخضراء (المسئولية البيئية المشتركة، إبداع المنتج الأخضر، إبداع العملية الخضراء، الإنتاج الخضراء) في تعزيز الميزة التنافسية , من خلال اختيار عينة من ثلاث شركات مختصة بتعبئة المياه المعدنية ضمن محافظة البصرة وهي (شركة الجنائن المعلقة، شركة درة الخليج، شركة العالم)، ووظفت الدراسة المنهج الوصفي التحليلي؛ وبلورت الاستبيان كأداة لجمع البيانات الأولية من عينة البحث والتي بلغت( 108 ) في الشركات محل الدراسة، وفي ضوء برنامج SPSS، وتوصل البحث إلى جملة من النتائج التالية: الشركات محل البحث تطبق استراتيجيات الإنتاجية الخضراء بدرجة كبيرة جداً (4.41)، وتعمل على تقديم سلع ومنتجات …
The Relationship Of Fixed Asset Revaluation To Perception Of Performance: Evaluation Of Tax Policy,
2022
Pusat Pembinaan Profesi Keuangan, Kementerian Keuangan
The Relationship Of Fixed Asset Revaluation To Perception Of Performance: Evaluation Of Tax Policy, Andi Darmawan, Andar Ramona Sinaga, Arie Wibowo
Jurnal Akuntansi dan Keuangan Indonesia
This study aimed to know the relationship between fixed asset revaluation and the perception of the company's performance in the future. This research can advise the government on the effect of fixed asset revaluation on company performance when the government repeats the policy of reducing fixed asset revaluation taxes during the economic recovery during the pandemic. The methodology used in this study was mixed methods research, which collected and analyzed qualitative and quantitative data. This research used primary data from focus group discussions (representatives of industrial entities, tax consulting practitioners, public accountants, regulators, and related authorities) and questionnaires distributed to …
Evaluating The Degree Of Using Islamic Financing Instruments Based On The Concept Of Indebtedness And Its Developmental Importance (A Case Study Of Palestine Islamic Banks 2013-2019),
2022
Al-Zaytoona University for Sciences and Technology, Palestine
Evaluating The Degree Of Using Islamic Financing Instruments Based On The Concept Of Indebtedness And Its Developmental Importance (A Case Study Of Palestine Islamic Banks 2013-2019), Azmi Awad
Journal of the Arab American University مجلة الجامعة العربية الامريكية للبحوث
This study aimed to shed light on the Islamic financing instruments based on the concept of Indebtedness and indicate the degree of the use of those instruments in the Islamic banks during 2013-2019. This could be achieved by indicating the size and degree of concentration of the use of those instruments and the fairness of their distribution to various economic sectors on the one hand, and explaining the developmental importance of those financing instruments in the economy on the other hand. The researcher used the descriptive analytical approach and the comparative approach. To test the validity of the hypotheses, Pearson …
Lessons Learned: Kevin Stiroh,
2022
Yale University
Lessons Learned: Kevin Stiroh, Mercedes Cardona
Journal of Financial Crises
Kevin Stiroh was head of the Financial Sector Analysis Supervision Group at the Federal Reserve Bank of New York (FRBNY) during the Global Financial Crisis of 2007–2009 (GFC). At the FRBNY, Stiroh was a leader in the design of the “stress test” for the banking system, the Supervisory Capital Assessment Program (SCAP). In the aftermath of the GFC, members of the FRBNY, including Stiroh, drafted a report on systemic risk and bank supervision, laying out lessons learned from the crisis and their recommendations. In February 2021, Stiroh transitioned from the FRBNY to a leadership position with the Federal Reserve Board …
Lessons Learned: Gaurav Vasisht,
2022
Yale University
Lessons Learned: Gaurav Vasisht, Sandra Ward
Journal of Financial Crises
Gaurav Vasisht served as assistant counsel, banking and financial services, to the governor of New York during the Global Financial Crisis of 2007–2009 (GFC). In his role, Vasisht set the governor’s agenda for banking and financial policy and oversaw the regulatory and legislative priorities of the state banking and insurance departments. Vasisht played a pivotal role in developing and drafting consumer protection legislation, particularly as it related to housing foreclosures at the time of the crisis. This Lessons Learned is based on an interview with Vasisht that occurred on September 27, 2019.
Lessons Learned: Erik Sirri,
2022
Yale University
Lessons Learned: Erik Sirri, Mercedes Cardona
Journal of Financial Crises
Erik Sirri served as director of the Division of Trading and Markets at the US Securities and Exchange Commission (SEC) from 2006 to 2009. In his post, he was responsible for matters relating to the regulation of stock and option exchanges, national securities associations, brokers-dealers, clearing agencies, transfer agents, and credit rating agencies. Before joining the SEC in 1996, he was an assistant professor of finance at the Harvard Business School from 1989 to 1995. Sirri served as the SEC’s chief economist until 1999, before returning to academia. He is currently a professor of finance at Babson College. His research …
Lessons Learned: Veerathai Santiprabhob,
2022
Yale University
Lessons Learned: Veerathai Santiprabhob, Maryann Haggerty
Journal of Financial Crises
Veerathai Santiprabhob was the governor of the Bank of Thailand from 2015 to 2020, a period that included the onset of the COVID-19 pandemic. Earlier in his career, he was an economist at the International Monetary Fund. At the time of the 1997–1998 Asian Financial Crisis, he returned to his home country to take a position at the Ministry of Finance. There, he was involved with the government response to that financial crisis. From 2000 to 2015, he held private-sector finance jobs before going to lead the Bank of Thailand. This Lessons Learned is based on an interview with Santiprabhob …
Lessons Learned: Claudia Sahm,
2022
Yale University
Lessons Learned: Claudia Sahm, Mercedes Cardona
Journal of Financial Crises
Claudia Sahm was a principal economist in the Division of Research and Statistics of the Board of Governors of the Federal Reserve System from 2007 to 2017 and section chief for the Consumer & Community Development section in the Division of Consumer and Community Affairs from 2017 to 2019. Her work focused on macro forecasting; she also researched household behavior and responses to fiscal stimulus. While at the Fed, she proposed the Sahm Rule, a gauge to call the start of a recession, based on an average of the unemployment rate. The rule is part of Sahm’s work on the …
Lessons Learned: Hiroshi Nakaso,
2022
Yale University
Lessons Learned: Hiroshi Nakaso, Maryann Haggerty
Journal of Financial Crises
Hiroshi Nakaso joined the Bank of Japan (BOJ) in 1978, rising to deputy governor in 2013. He was instrumental in addressing Japan’s domestic crisis of 1997 and its response to the Global Financial Crisis (GFC). He retired from the bank in 2018 and has since served as chairman of the Daiwa Institute of Research in Tokyo. This Lessons Learned summary is based on a November 2021 interview with Nakaso
Lessons Learned: Deborah Perelmuter,
2022
Yale University
Lessons Learned: Deborah Perelmuter, Mercedes Cardona
Journal of Financial Crises
Deborah Perelmuter has spent more than three decades with the Federal Reserve System. In 2008, as senior vice president at the Federal Reserve Bank of New York (FRBNY) and co-head of Capital Markets Analysis and Trading (CMAT) within the Markets Group, she was tasked with setting up the operational details of the Term Securities Lending Facility (TSLF). The TSLF auctioned Treasury securities to primary dealers in exchange for less liquid collateral to provide liquidity to those firms during the Global Financial Crisis of 2007–2009. Perelmuter became senior financial stability adviser within the office of the director in the FRBNY’s Research …
Lessons Learned: Patrick Honohan,
2022
Yale University
Lessons Learned: Patrick Honohan, Maryann Haggerty
Journal of Financial Crises
Patrick Honohan, an economist, was governor of the Central Bank of Ireland and a member of the Governing Council of the European Central Bank (ECB) from September 2009 until November 2015. Early in his tenure, he led a team that investigated the causes of the Irish banking crisis that broke out in 2008 during the Global Financial Crisis. Resolving the problems of bank failure and over-indebtedness that emerged in that crisis dominated his term of office. In late 2010, Ireland had to request financial assistance from the “troika” of the International Monetary Fund (IMF), the European Commission, and the European …
Lessons Learned: Mike Leahy,
2022
Yale University
Lessons Learned: Mike Leahy, Yasemin Sim Esmen
Journal of Financial Crises
Mike Leahy was associate director at the Federal Reserve Board’s Division of International Finance between 2008 and 2010. He was instrumental in establishing swap lines with foreign central banks and reviewed and reported on excess reserve balances and required interest payments to depository institutions. This Lessons Learned is based on a phone interview with Leahy on October 22, 2020.
Lessons Learned: Andrew Gray,
2022
Yale University
Lessons Learned: Andrew Gray, Mercedes Cardona
Journal of Financial Crises
Andrew Gray joined the FDIC in 2007, after having been majority director of communications for the US Senate Committee on Banking, Housing, and Urban Affairs and press secretary for US Senator Richard C. Shelby (R–AL). Gray’s initial project was a campaign to mark the 75th anniversary of the creation of the Federal Deposit Insurance Corporation (FDIC); his role evolved into running crisis communications as the FDIC stepped in during several bank failures triggered by the Global Financial Crisis (GFC) and conducted 489 bank resolutions during 2008–2013. After the crisis, the FDIC also assumed new responsibilities over the winding down of …
Thailand: Reserve Requirements, Afc,
2022
Yale School of Management
Thailand: Reserve Requirements, Afc, Ezekiel Vergara, Corey N. Runkel
Journal of Financial Crises
Following years of growth, the Thai economy began showing confidence-busting signs in 1996, including a liquidity crunch. In May 1997, the Bank of Thailand (BOT) announced that it would expand the list of short-term assets that banks and finance companies could use to satisfy the BOT’s liquidity reserve requirement, including obligations of the Financial Institution Development Fund (FIDF), which provided liquidity support to illiquid financial institutions. In the summer of 1997, the BOT suspended the operations of 58 finance companies and floated the Thai baht (THB), unleashing the Asian Financial Crisis (AFC). Tight liquidity conditions continued and, in September 1997, …
Venezuela: Reserve Requirements, Gfc,
2022
Yale School of Management
Venezuela: Reserve Requirements, Gfc, Corey N. Runkel
Journal of Financial Crises
Leading up to the Global Financial Crisis (GFC), the Banco Central de Venezuela (BCV) sought to tamp down inflation by raising its interest rate target and by raising the marginal reserve requirement for banks, which it had introduced in 2006. By late 2008, the GFC began to hit Venezuelan banks and the country’s public oil producer (PDVSA). Widespread deposit withdrawals squeezed banks and pushed the interbank lending rate to 28%. The BCV responded in December 2008 by lowering the marginal reserve requirement, applicable to deposits above 90 billion bolívars (USD 4.2 million), from 30% to 27% of deposits. It held …
