Bank is a business entity that collects funds from the public in form of savings and distributes them to credit or other forms. In Indonesia, there are many banks both conventional Islamic banks, more rapid development digital significant changes now also visible, one which several areas such as Nangroe Aceh Darussalam Lombok West Nusa Tenggara (NTB) convert banks. NTB Syari'ah proven be...

Spanish savings banks (SBs) are financial institutions with a wide mission that includes different stakeholders’ goals. Profit maximization is only one among several goals, and the widespread use of cost or profit efficiency as the only comparative performance measure may prove to be insufficient in this context. To overcome this problem, we build an aggregate performance index for organization...

We examine the impact of selling Monthly Income Preferred Stock (MIPS) on the common share prices of the issuing firms. We find that issuing MIPS to retire preferred stock raises the value of the firm, and that government policy can significantly affect the present value of the tax savings. Using proceeds to retire bank loans negatively impacts common share value. This negative response is larg...

The performance and effectiveness of financial institutions are important considerations for policy-makers concerned about economic growth. Growth, after all, is heavily dependent on investment, and a significant fraction of all investment flows through financial institutions. Furthermore, incidences of financial instability in some countries have shown that poor financial policies can have ser...

I IJOAN LOSSES ASSOCIAFED WITH declines in energy and agricultural prices) and the collapse of commercial real estate markets were the proximate cause of the high number of bank and savings and loan (S&L) failures of the past 12 years. Many researchers also blame government policies, howevei~such as restrictions on branch banking and limitations on the services that banks and S&,Ls may offer. S...

Consumers make transactions of different sizes over time. This paper shows that this fact, together with transaction costs of various assets, can help in developing a theory of liquidity. Assets with different cost structures are used to purchase different sizes of transactions. This can explain the demand for money itself, the precautionary demand for money, and the demand for cash and demand ...

▪ Research on employer coordination in the advanced capitalist countries has focused almost exclusively on the manufacturing sector, even though the service sector is responsible for most employment growth. This article considers organizational change in the service sector, comparing structurally similar networks of public savings banks in France and eastern Germany. It finds that the capacitie...

In this paper, we extend our previous investigation of split array and scalar data caches to embedded systems. More specifically we explore reconfigurable data caches where L-1 data caches are optimally partitioned into scalar caches augmented with victim caches and array caches. We do not change cache block size or set-associativities, making it easier to reconfigure cache banks. We also evalu...

This study employs a rating model based on SVM to seek to improve hazard model’s accuracy prediction of default probability for German savings banks and credit cooperatives. For variables, which are chosen using linear and parametric model, SVM yields only moderate (mostly statistically insignificant) improvement. When we replace returns on equity variable by the its first difference divided by...