Macroprudential Easing Measures In The Context Of Contractionary Monetary Policy: The Case Of Brazil In 2014,
2026
Graduate Program in Economics – PCE, State University of Maringá – UEM, Brazil
Macroprudential Easing Measures In The Context Of Contractionary Monetary Policy: The Case Of Brazil In 2014, Marcos Antonio Paliari, Marcos Roberto Vasconcelos
Journal of Banking and Financial Economics
This paper evaluates the effects of a macroprudential policy of regulatory easing implemented amidst a contractionary monetary policy in Brazil. The intervention, carried out by the Central Bank in the third quarter of 2014, relaxed reserve requirements on time deposits to stimulate bank credit for vehicle financing. Using a Difference-in-Differences approach with fixed effects by credit modality and month, the analysis is based on monthly disbursement data for consumer loans from 2011 to 2018. Twelve rolling monthly windows are used to capture the dynamic evolution of the policy’s effects. Results based on a synthetic control group indicate statistically significant and …
Budgeting Apps, Financial Literacy, And Financial Control,
2026
St. Mary's University
Budgeting Apps, Financial Literacy, And Financial Control, Max Masabo, Abdullah Mohammad Mahi
Presentations - 2026
Our paper shows the real hidden connections between budgeting app usage and financial wellbeing of U.S Households
Budgeting Apps, Financial Literacy And Financial Distress: Evidence From U.S. Households,
2026
St. Mary's University
Budgeting Apps, Financial Literacy And Financial Distress: Evidence From U.S. Households, Max Ngenzi Masabo
Posters - 2026
• First, it provides the first large-scale, nationally representative evidence on how budgeting app usage relates to household financial distress in the United States. Contrary to the intended purpose of these tools, we find that app users, especially frequent users, experience significantly higher levels of financial strain. • Second, we show that financial literacy is a critical moderating factor. The adverse association between budgeting apps and financial distress is substantially stronger among low-literacy individuals, highlighting financial literacy as an essential safeguard against harmful fintech outcomes. • Third, we identify behavioral mechanisms through which budgeting apps may exacerbate financial difficulties. App …
Japan's 5-Year Plan With India: Rethinking Cultural Homogeneity In The Workplace,
2026
St. Mary's University
Japan's 5-Year Plan With India: Rethinking Cultural Homogeneity In The Workplace, Sydeny Nieto
Posters - 2026
In 2025, Japan and India had finalized the Japan-India 5-year Action Plan, where Japan will open their workplaces to over 500,000 Indian citizens over the next 5 years. While studies show how the plan would help fix labor shortage and population problems, it lacks public analysis and the data supporting Japan's readiness to take on this demographic change. This research addresses this gap by analyzing both economic benefit and public perspective toward migration. Highlighting broader impacts the plan would have on Japan's society, along with cultural challenges it may pose for Japan.
Artificial Intelligence And The Future Of Global Inequality,
2026
St. Mary's University
Artificial Intelligence And The Future Of Global Inequality, Valentina Caceres
Posters - 2026
Artificial Intelligence (AI) is rapidly becoming a central tool in the global system, shaping economic growth, political power, and international influence. While AI is often celebrated for innovation and progress in different sectors like education, healthcare, security and more, its development is uneven and mostly concentrated in wealthy countries. Because AI is increasingly embedded in economic production, public administration, and social services, access to AI capabilities has become a key determinant of global competitiveness and influence. Many developing nations lack the capital, infrastructure, and technological capacity needed to compete in the global economy driven by AI. This imbalance matters because …
Optometry Associations And The Free Rider Problem Revisited,
2026
West Virginia University
Optometry Associations And The Free Rider Problem Revisited, Matthew Mullis, Joshua Hall, Edgar Orozco
Graduate Student Scholarship
Members of professional associations pay dues to professional associations for a variety of reasons, including lobbying. This can lead to a free-rider problem if non-members enjoy the benefits without paying. Using 2023 data from 30 states, we revisit earlier work on the free-riding problem by analyzing how continuing education requirements, number of optometrists, benefit salience, and legal services affect membership rates. We find no significant relationship between continuing education hours or total optometrists and membership percentages. We introduce two variables measuring selective incentives: salience of advertised benefits and availability of legal services. Legal services exhibit a negative association with membership …
Fixed Effects Estimation Of Spatial Panel Model With Missing Responses: An Application To Us State Tax Competition,
2026
Singapore Management University
Fixed Effects Estimation Of Spatial Panel Model With Missing Responses: An Application To Us State Tax Competition, Xiaoyu Meng, Zhenlin Yang
Research Collection School Of Economics
We consider estimation and inferences for general spatial panel data models with randomly missing observations on responses. It allows for unobserved spatiotemporal heterogeneity, time-varying endogenous and contextual spatial interactions, time-varying cross-sectional error dependence, and serial correlation. A general M-estimation method is proposed for model estimation and a novel corrected plug-in method is proposed for model inference. Both take into account the estimation of fixed effects. Asymptotic properties of the proposed methods are studied, and finite sample properties are investigated. An empirical application is given using U.S. state tax competition data. The proposed methods apply to matrix exponential spatial specification and …
Genuinely Unbalanced Spatial Panel Data Models: Fixed Effects M-Estimation And Inference,
2026
Singapore Management University
Genuinely Unbalanced Spatial Panel Data Models: Fixed Effects M-Estimation And Inference, Xiaoyu Meng, Zhenlin Yang
Research Collection School Of Economics
We consider spatial panel data models with genuine unbalancedness arising from the non-presence of some spatial units in certain time periods. General M-estimation methods are proposed for model estimation, which take into account the estimation of the incidental fixed effects parameters and allow for spatiotemporal heteroskedasticity and high-order time-varying spatial effects. Corrected plug-in methods are proposed for standard error estimation. The proposed estimation and inference methods are rigorously studied for their asymptotic properties and finite sample performance. An application to China’s provincial FDI inflows shows that properly accounting for genuine unbalancedness uncovers significant positive spatial spillovers that are masked when …
Reasoning On Time-Series For Financial Technical Analysis,
2026
Singapore Management University
Reasoning On Time-Series For Financial Technical Analysis, Kelvin J. L. Koa, Jan Chen, Yunshan Ma, Huanhuan Zheng, Tat-Seng Chua
Research Collection School Of Computing and Information Systems
While Large Language Models have been used to produce interpretable stock forecasts, they mainly focus on analyzing textual reports but not historical price data, also known as Technical Analysis. This task is challenging as it switches between domains: the stock price inputs and outputs lie in the time-series domain, while the reasoning step should be in natural language. In this work, we introduce Verbal Technical Analysis (VTA), a novel framework that combine verbal and latent reasoning to produce stock time-series forecasts that are both accurate and interpretable. To reason over time-series, we convert stock price data into textual annotations and …
Connectivity And Tourism Flow In Small Island Developing States,
2026
Universidade de Cabo Verde
Connectivity And Tourism Flow In Small Island Developing States, Edmir Luciano Dos Santos Ferreira, João Paulo Madeira
International Journal of Islands Research
Tourism in Small Island Developing States (SIDS) faces unique sustainability challenges, with connectivity emerging as a critical factor. These nations, often situated in remote locations, encounter significant accessibility constraints and limited infrastructure, which restrict tourist flows and adversely affect economic development. The primary aim of this paper is to analyse the relationship between connectivity and tourism flows in SIDS, exploring how connectivity, proxied by geographical and cultural-political distance, influences tourism in these regions. Furthermore, the study seeks to determine whether belonging to different SIDS regions or exhibiting varying levels of development helps destinations attract greater tourist flows, by examining several …
The Roles Of The Human Resources Management Director And Their Impact On Entrepreneurial Training:An Analytical Study At The Ministry Of Labor And Social Affairs,
2026
Department of Financial and Islamic Banking Sciences – Al-Iraqia University
The Roles Of The Human Resources Management Director And Their Impact On Entrepreneurial Training:An Analytical Study At The Ministry Of Labor And Social Affairs, Ali Abd Al-Salam Abd Al-Daem
Muthanna Journal of Administrative and Economics Sciences
The research problem lies in the weak level of entrepreneurial training in Iraqi ministries despite the importance of the strategic roles of human resources management. The research gap is represented by the scarcity of empirical studies that measure the relative impact of the roles of the HR manager (according to Ulrich’s model) in activating entrepreneurial training within the Iraqi public sector environment. Accordingly, this study aims to analyze the relationship between the roles of the Human Resources Management Director—as a strategic partner, administrative expert, developmental supporter, and change agent—and their impact on activating entrepreneurial training at the Ministry of Labor …
The Economic Impacts Of Climate Change And External Shocks On Tourism Demand In The Kurdistan Region Of Iraq: Econometric Modeling For The Period (2007–2023),
2026
Department of Finance and Banking, College of Administration and Economics, Salahaddin University
The Economic Impacts Of Climate Change And External Shocks On Tourism Demand In The Kurdistan Region Of Iraq: Econometric Modeling For The Period (2007–2023), Asst. Prof. Dr. Khadeeja Qader Same, Asst. Prof. Dr. Aswad Qadir Ahmed
Muthanna Journal of Administrative and Economics Sciences
This study aims to Analysis of the Economic Impacts of Climate Change and External Shocks on Tourism Demand in the Kurdistan Region for the Period (2007-2023), utilizing a rigorous econometric methodology that includes unit root tests, Granger causality, and the Autoregressive Distributed Lag (ARDL) model to verify long-term equilibrium relationships through the Bounds Test. The results revealed a “developmental paradox,” where tourism demand grows annually by 18.51% despite a steady rise in temperatures, a decline in rainfall by approximately 3.15 mm per year, and an increase in dust storms. The econometric modeling proved that every unit increase in temperature inflicts …
The Impact Of Green Lean Manufacturing On Sustainability Dimensions: An Analytical Study Of Opinions A Sample Of Employees At The National Home Furniture Manufacturing Company,
2026
College of Administration & Economics, University of Nineveh
The Impact Of Green Lean Manufacturing On Sustainability Dimensions: An Analytical Study Of Opinions A Sample Of Employees At The National Home Furniture Manufacturing Company, Rana Salim Mataab
Muthanna Journal of Administrative and Economics Sciences
This study aims to determine the extent of the association and impact of green lean manufacturing practices on the dimensions of sustainability (economic, social, and environmental) from the point of view of individuals working in national companies for the manufacture of home furniture. To achieve this goal, a questionnaire was designed according to a five-point Likert scale. In July 2024, using the cross-sectional studies approach, (213) responses that could be analyzed statistically were collected from the study sample. These data were analyzed using two software packages: (AMOSv24) and (SPSSv26). The results indicate that green lean manufacturing practices are associated with …
Digital Financial Innovation, Currency Outside Banking System, And Inflationary Rate In Nigeria: Implications For Exchange Rate Management,
2026
Federal University Oye-Ekiti
Digital Financial Innovation, Currency Outside Banking System, And Inflationary Rate In Nigeria: Implications For Exchange Rate Management, Philip Ifeakachukwu Nwosa
Bullion
Digital financial innovation has expanded globally, supporting cashless systems and reducing currency outside banks and inflation in advanced economies. In Nigeria, however, rising use of digital payment platforms has coincided with increasing inflation and higher cash in circulation. This study explores the relationship among digital financial innovation, currency outside the banking system, and inflation from 2009 to 2024, while assessing implications for exchange rate management. Findings show that despite rapid digital payment growth, both inflation and cash outside banks remain elevated, creating challenges for effective exchange rate stability. The study adopts a descriptive research design to examine the relationship among …
Evaluating The Determinants Of Financial Inclusion In Emerging Economies,
2026
Development Bank of Nigeria PLC
Evaluating The Determinants Of Financial Inclusion In Emerging Economies, Joshua Ohifeme Ohioma Dr
Bullion
Financial inclusion (FI) encourages economic empowerment and growth while also serving as a catalytical factor in achieving seven of the seventeen Sustainable Development Goals. Attainment of these and other benefits of FI is largely dependent and influenced by various factors and determinants. Analysing sample data of 26,930 responses from the Access to Financial Services in Nigeria (A2F) 2023 survey, this study examined the factors influencing FI using the Multiple Logistic Regression model. The study found that mobile technology, literacy level and urban residency have significant influences on FI while age and gender do not significantly influence FI. Implications of the …
Intergovernmental Relations, Market-Preserving Federalism, And Digital Governance In Nigeria,
2026
University of Ibadan, Ibadan, Oyo State, Nigeria
Intergovernmental Relations, Market-Preserving Federalism, And Digital Governance In Nigeria, Dhikru Adewale Yagboyaju, Jeremiah Oluwadara Omotayo
Bullion
This paper analyses intergovernmental fiscal relations in Nigeria using Barry Weingast’s theory of market-preserving federalism. It argues that excessive fiscal centralisation, weak subnational autonomy, and recurring disputes over revenue allocation, such as those involving value-added tax and oil derivation, undermine inclusive economic development. Using qualitative analysis of policy documents, legal frameworks, and audit reports, the study finds that embedding digital governance within a market-preserving federal framework could enhance subnational revenue generation, fiscal transparency, and competitive horizontal federalism.
Examining The Role Of The Cbn's Agent Banking Policy In Its Financial Inclusion Drive From A Mechanism Design Theory Perspective,
2026
Central Bank of Nigeria
Examining The Role Of The Cbn's Agent Banking Policy In Its Financial Inclusion Drive From A Mechanism Design Theory Perspective, Umar Yakub Yakub Mr
Bullion
This paper analyses CBN’s Agent Banking policy and its role in promoting financial inclusion through the lens of mechanism design theory. It sought to evaluate how effective the policy has been in bringing together the incentives of key stakeholders—customers, agents, and banks—with the ultimate goals of the Bank’s financial inclusion policy. The scope covers the design and evolution of the policy, the incentives of the different stakeholders, and finding potential information asymmetries, moral hazard, and adverse selection issues. It assesses the impact of the policy based on available evidence and concludes with mechanism design-informed recommendations for improving the policy’s effectiveness …
National Security, Macroeconomic Stability, And The Future Of Nigeria's Development: Policy Priorities In A Volatile Global Environment,
2026
Bold Age Consulting
National Security, Macroeconomic Stability, And The Future Of Nigeria's Development: Policy Priorities In A Volatile Global Environment, Suleiman Yusuf Usman Mr.
Bullion
Nigeria confronts a dual crisis: escalating domestic insecurity and intensifying global geopolitical volatility. Rising insecurity undermines productive capacity, diverts fiscal resources, and erodes investor confidence, whilst external shocks—including policy pronouncements from major economies and geopolitical tensions—threaten capital flows, foreign exchange reserves, and macroeconomic stability. This article examines the economic and developmental implications of these intertwined pressures, evaluates their impact on monetary policy effectiveness and financial sector resilience, and presents actionable policy recommendations to strengthen governance, restore stability, and safeguard Nigeria's long-term development trajectory. The analysis emphasises the urgent need for coordinated fiscal and monetary responses, institutional reforms, and strategic repositioning …
The Impact Of Corporate Governance Practices On Enhancing The Quality Of Financial Reporting: An Applied Study On A Sample Of Commercial Banks Listed On The Iraq Stock Exchange,
2026
Ministry of Education, General Directorate of Education of Qadisiyah
The Impact Of Corporate Governance Practices On Enhancing The Quality Of Financial Reporting: An Applied Study On A Sample Of Commercial Banks Listed On The Iraq Stock Exchange, Ahmed Hashem Sakr
Muthanna Journal of Administrative and Economics Sciences
This study examines the impact of corporate governance practices on the quality of financial reporting in a sample of commercial banks listed on the Iraq Stock Exchange. Motivated by the increasing need for transparency and reliability in financial information within the Iraqi banking environment characterized by regulatory challenges and economic instability the research investigates how key governance mechanisms contribute to enhancing the credibility and accuracy of financial reports. The study focuses on three core governance indicators: board size, board independence, and audit committee activity, in addition to relevant control variables reflecting firm characteristics.Employing panel data analysis and fixed-effects regression models, …
The Impact Of Earnings Volatility On Debt Financing: A Study On A Sample Of Iraqi Banks,
2026
Faculty of Archaeology, University of Kufa, Iraq, Najaf
The Impact Of Earnings Volatility On Debt Financing: A Study On A Sample Of Iraqi Banks, Ali Ayyd Al Jbori, Alaa Abdlzahra Obaid, Mohammed Sadeq Jappar
Muthanna Journal of Administrative and Economics Sciences
This study aims to analyze the impact of earnings volatility on the debt financing structure of Iraqi banks, using an analytical descriptive approach and financial data from a sample of private Iraqi banks listed on the Iraq Stock Exchange for the period (2017-2024). A multiple linear regression model was applied to examine the relationship, while controlling key variables (liquidity ratio and bank size). The results revealed a statistically significant negative impact of earnings volatility on the reliance on debt financing, where increased volatility led to reduced dependence on debt in the capital structure. The study concludes that capital structure decisions …
