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In today’s dynamic business landscape, credit risk assessment has become an essential aspect of financial institutions success, and a comprehensive understanding of the most important variables that affect creditworthiness is critical. This essay focuses on the analysis of customer credit risk based...

The appropriate credit risk assessment the use of risk management methods are essential for bank financial firmness and stability as well as determinative for the behavioral aspects of bank operation. The article develops a model of credit risk assessment within the scope of the variability concept that...

“Inclusive finance” has drawn increasing attention among the international community since its conception emerged. Although China has made remarkable achievements in establishing an inclusive financial system, it is still confronted with many problems. This paper first conducts deep research into the...

China's higher vocational education is faced with the lack of teachers, insufficient funds, the professional class teachers' lack of motivation, student's lack of learning initiative, poor teaching effect. Aiming at specific problems, this article is based on the perspectives of job analysis, career...

Central bank digital currency (CBDC) is a digital form of sovereign currency issued by the central bank of a country based on national credit. The e-CNY pilot scene of the Winter Olympics once again demonstrated China’s leading position in the field of CBDC, but the promotion of e-CNY still faces many...

Under the background of the implementation of the Rural Revi-talization Strategy proposed in the report of the 19th National Congress of CPC, with regard to the unbalanced and insufficient development on both agriculture and village sides, this paper firstly acquire the current situation and existing...

The aims of research is to analyse the impact of e-money diffusion on the effectivity of monetary policy in Indonesia. The analytical method used is Bayesian estimation with the observation period of time series 2009.1 - 2017.12. Some of the variables used in the study are Gross Domestic Product (GDP),...

This study aims to examine the influence of compensation suitability and the bystander effect on the propensity for accounting fraud, as well as the moderating role of organizational culture in the relationship between these two variables. The research was conducted at the Village Credit Institution...

In this study the question is the impact of the Indonesian Government’s policies in facing the Covid-19 Pandemic because various policies have been carried out by the Indonesian Government. Government policies that limit working hours lead to layoffs resulting in increased unemployment with high criminal...

Internal fraud in the microcredit business process has caused significant losses to the banking industry and financial institutions. Internal fraud is one type of operational risk frequently faced by banks/financial institutions focusing on microcredit services. The typical fraud frequently found is...

As a third-party institution for market risk disclosure, credit rating agencies should act as gatekeepers in the capital market. The improper arrangement and negligence of institutional arrangements make it possible for rating agencies to evade the burden of civil liability after multiple failures. By...

Digital transformation is profoundly reshaping the global investment banking business model, and the application of technology and changes in the market environment pose dual challenges. This study focuses on the application of machine learning in credit rating, the practice of block-chain technology...

Climate change increases unpredictable rainfall, soil deterioration, and agricultural resource constraints. Climate-resilient agribusiness models provide food security, farmer livelihoods, and environmental stability. Sustainable change may occur from regenerative farming, which promotes soil health,...

The finance industry, especially banking, is an industry that is often used by the public to make transactions. Banking is one of several business lines in the financial industry. Many industries in Indonesia are under pressure because of the Covid-19 pandemic, many cases have been confirmed by new policies...

The appearance of the housing problem is the supply and demand of housing. Its essence is a complex social problem that is influenced by many factors such as wealth concept, market demand, monetary policy, social governance level and economic growth path. The mismatch of housing property positioning...

Housing affordability is a comprehensive assessment of the housing market social orientation. The article deals with methodological problems of the housing affordability assessment. The latter becomes relevant in connection with the introduction of project financing in Russia. In the current environment,...

This study explored the technical implementation of the contract farming partnership which had been done by farmers and their partner companies in East Java, and identifying issues and benefits of partnership for both parties This study employed an interpretive research design, following a post-positivist...

The process of economic globalization has created a new environment for the functioning of the financial sector. Modern banks were beyond traditional credit and deposit operations and have established their presence practically at all segments of the financial system. To stabilize the international banking...

The complete credit system, which is an advanced educational management institution, fully embodies the educational idea of people foremost. To spread the complete credit system would be a historical trend in the reform of higher educational management. This paper analyzed the connotation and architecture...

Legislation to promote cultural and financial cooperation in China has yielded positive results and raised expectations, but legal incentives for the integration of cultural industries and capital markets must prioritize national security, public interest security, and credit security as the first premise...

The study aims to analyze climate change, agricultural sector financing, and product diversification as risks in Indonesian banking. This study used a sample of 34 banks listed on the Indonesian stock exchange. The data was taken from 2014 to 2023, and the total observations used were 1,288 bank trials....

With the continuous development of digital technology in recent years, the potential productivity brought by new technology has gradually become a powerful engine for the development of inclusive finance. The integration of fintech and inclusive finance has reached an unprecedented height, where digital...

In the loose credit policy environment, regional economic growth in China is facing the hitherto unknown opportunities, the dynamic prediction of regional economic growth is researched to improve macro-control ability of trade and economy, the traditional Lyapunove index prediction accuracy is not high,...

The article discusses aspects of the effectiveness of the implementation of international standards developed by the Basel Committee to strengthen the sustainability of credit institutions, reducing the cost of eliminating the effects of economic and financial crises in the regions and in the whole country....

Digital finance has emerged as a powerful driver of economic inclusion and growth in developing countries. By leveraging mobile banking technologies, digital wallets, and AI-driven platforms, it enables previously unbanked populations and small businesses to access essential financial services. This...

Practical teaching is an indispensable part of teaching in higher vocational colleges. In order to solve the problems in the practical teaching link, such as low efficiency of classroom teaching in the experiment link, outdated teaching methods in the comprehensive practice link, unreasonable assessment...

This study provides a comprehensive assessment of the systemic risk potential inherent in China’s local government debt exposure to the real estate sector. Through systematic analysis of debt magnitude, composition, and transmission pathways, the findings indicate that aggregate risk levels remain manageable,...

The study, entitled Implications of the Financial Information Service System (SLIK) in Providing Credit Case Study PT. Christa Jaya Perdana Kupang BPR aims to find out the influence or the implications of the financial information system in providing credit at PT. BPR Christa Jaya Perdana Kupang. The...

One of the problems faced by MSMEs in Indonesia is related to finance. MSMEs experience obstacles, especially in obtaining loan funds for business operations. This study analyzed the factors that determine MSMEs’ access to formal credit from banks. The research method used was path analysis to test a...

This paper constructs credit rating model for small and medium-sized enterprises (SMEs) by the comparison of Analytic Hierarchy Process (AHP) and the modified KMV model (Or called KMV-Merton model). Mainly based on the analysis of financial situation, stock price and other related data in printing industry...

What is the spatial effect of the financial scale and the development of financial structure on the technological innovation of enterprises across the provinces? Spatial econometric model was used to analyze sectional data of 31 provincial administrative regions in mainland china. The results show that...

Research aims to analyze the impact of the transition of payment equipment to real currency in Indonesia for the period 2015:07-2019:01. Real currency used in this research is the result of real money outside the commercial bank and BPR per consumer price index. The payment tool in this study represented...

This paper will explore how government credit programs affect the development of small-scale industries (SSIs) and build a predictive machine-learning model that helps in predicting the performance of firms. The study utilizes empirical strategy that incorporates causal inference and predictive analytics...

Assessment activities would provide useful information if instruments developed and used have good quality. One of the standards for a quality test instrument is having acceptable item parameters. This research aims to analyze the quality of the test instrument in terms of the item parameters’ quality...

Courses are the requirement in completing a study; students are considered to have completed their learning process if they have passed all courses determined by the competence of the study program. Students who are yet to pass their credit (SKS) mean that they have not completed their study. Thus, a...

It is based on the innovation credits to analyze credit system and construction, which are conducive to the cultivation of innovation and entrepreneurship ability, and consummate the innovation practice curriculum system, and formulate the innovation credit incentive policy, and encourage students to...

Green finance can promote environmental governance, guide enterprise resources from high pollution to environmentally friendly. At present, the green finance policy of our country is advancing steadily, and has made great progress in the fields of credit, bonds and funds. This paper examines the impact...

This article aims to find out the background of the establishment of the Mina Misoyo Makmur Cooperative, the development of the Mina Misoyo Makmur Cooperative, and how the Mina Misoyo Makmur Cooperative functions for the Asemdoyong fishing community. This study used a qualitative approach. The main informants...

This paper studied the effectiveness of the Internet for credit reporting system and the applicability of the two credit reporting models, market-oriented model and government-oriented model, in China. Firstly, on the basis of system dynamics modeling, structural models of two credit reporting systems...

Village Micro-finance Institution (Lembaga Perkreditan Desa—LPD) Banyuning has one of the innovative products to increase LPD capital from internal capital, namely the Tabungan Arisan Berhadiah (TABAH). Researchers are interested in analysing the implementation of TABAH’s Innovative Products because...

The financial service system has always served for urban families and companies. The kinds of financial products and services for the rural areas are very poor. Therefore, it is meaningful to promote the development of rural inclusive finance to improve the urban-rural dual structure. The convenience...

Islamic banks have the task of managing public funds by collecting and redistributing the collected funds to be offered to the community with a number of credit loans accompanied by conditions that can guarantee that bad credit does not occur which can harm the bank as a creditor. One of the conditions...

Amid accelerating digital transformation, commercial banks face challenges in credit risk management due to multi-source, unstructured data. Traditional models relying on human experience and static indicators are insufficient for real-time risk identification. Taking a city commercial bank in western...

This article presents the development and implementation of a Smart Credit Card Marketing Platform (SCMP) at Bank N, aimed at revolutionizing its credit card marketing strategies. Leveraging Marketing Technology (MARTECH), the SCMP integrates data analytics, artificial intelligence, and visual data representation...

This study examines risk management in Islamic Microfinance Institusions (LKMS) and its in supporting good corporate governance, specifically focusing on BMT Hudatama in Semarang. Identified risks include financial, credit, liquidity, operational, and Sharia compliancce risks, reflecting both conventional...

The revision and implementation of financial instruments standards is an important measure to deepen financial reform and prevent and defuse financial risks. This article takes X Rural Commercial Bank as the research object to investigate its specific situation after the implementation of the standards...

There are three legal systems that apply in Indonesia, namely the Customary Law system, Islamic law, and Western law. The potential for disharmony is very possible. The question is, how was the birth of Islamic banking legislation in Indonesia, the methodological model used in harmonizing the laws in...

Digital financial inclusion has been added as part of China's financial structure with the goal of developing China's modern financial system. Guangdong Province is also responding positively to the healthy development of digital financial inclusion based on China's Internet development...

The goal of this research is to investigate and assess the effect of financial inclusion on financial system stability in ASEAN + 3. This research uses the variables financial system stability, financial inclusion index, GDP per capita and the ratio of domestic credit to the private sector. The data...

A model of the retention of first-year higher education students in Taiwan was created using logistic regression. The data used for creating the model consisted of the records of 955 first-year students who were enrolled in the academic year 2013 at a private institution in Taiwan. Six variables were...