Throughout the 1980s and into the early 1990s, the effects of several financial cycles severely battered the banking system of the United States. As used here, the term "cycle" does not imply a recurring phenomenon, but rather a cycle through various phases--as in a boom and bust cycle. Most of these cycles began with a prolonged period of extraordinary growth centered in a particularly risky t...

This paper analyzes the contribution of the German banking system to the modernization of small and medium-sized enterprises (SMEs) in industry. The simultaneous greater relative importance of and relatively high wages in German SMEs appear to be paradoxical in terms of dual labor market theory, which claims that lower wages and greater flexibility in the use of labor are important for helping ...

The ever-increasing complexity of applications of wireless sensor networks (WSNs) demands for increasing memory size and larger memory size increases the power drain. It is well known that SRAM memory consumption can be reduced by employing a banked structure, where unused banks are switched into the low leakage retention mode. In this work, we propose a detailed model for the energy saving for...

This paper uses a new measure of bank service output to estimate various specifications of production and cost functions for Bank Holding Companies (BHCs) over the period 1986 to 1999. The new output series is a true flow measure of bank service value added, and it follows from a unified model of bank operation that integrates risk and the measurement of bank services. The model also establishe...

This paper suggests a motive for bank mergers that goes beyond alleged and typically unverifiable scale economies: preemptive resolution of banks’ financial distress. Such ”distress mergers” can be a significant motivation for mergers because they can foster reorganizations, realize diversification gains, and avoid public attention. However, since none of these potential benefits comes without ...

This paper studies the systemic importance of railroads through the widespread holdings of their bonds by American fiduciary institutions during the Great Depression. We examine the impact of a series of large railroad bond prices shocks using a remarkable data set of the individual bonds held by each Massachusetts savings bank annually. We suggest that the shocks varied across banks for reason...

This paper investigates the role of social identification in investment decisions. Social identity is an aspect of self-image based on in-group preferences and a perception of belonging to a social group. We collected survey data from retail clients of the only two banks in the Netherlands that exclusively offer socially responsible investment products and savings accounts. Our data show that a...

As a people of Maracang Village, the increase in Islamic bank institutions Village has no effect at all on people's interest saving banks. It is caused by lack public knowledge banking institutions. This study aims to determine object perception village community towards banking, sensory tools community's and attention products. type research field or case with qualitative descriptive approach....

The goal of this study was to discover why employees the Laut Dendang village office choose use services a sharia bank, and what factors influence their knowledge attitudes. Field research using qualitative approach is type called. Employees at served as data sources for study. Data collection done by observation, interviews, documentation, while processing analysis procedures are in four stage...