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With the development of global supply chain, enterprises are more and more aware of the advantages of supply chain. In recent years, supply chain finance has become the focus of many logistics enterprises and financial institutions. In this paper, principal component analysis and logistic regression...

This study examines how innovation affects renewable energy adoption across 11 Arab countries from 2007 to 2023, addressing a critical gap in the literature on the so-called innovation paradox in resource-rich economies. Using the Method of Moments Quantile Regression (MMQR), the analysis captures heterogeneous...

Corporate bond is an important way for enterprises to make direct financing, and to a certain extent, it can replace the bank credit financing, so as to alleviate the financing problem of enterprises. However, the credit risk of corporate bonds will hinder the financing of enterprises. Therefore, this...

Mortgage Law disregarding a number of civil problems, the rights of the parties in the relationship of mortgage rights cannot be fulfilled equitably, because procedural practices so far have not proceeded properly. Law Number 4 of 1997 does not provide clear rules, therefore creditor tends to dominate...

Insurance funds are the important capital in the capital market. Their frequent placards in the stock market in 2016 not only made the management of listed companies nothing to follow, but also were to blame by regulators several times, and insurance funds have become very "dangerous". In this event,...

Industrial SO2 and industrial wastewater were selected as the main environmental pollution indicators. Based on the spatial correlation of the environmental pollution, the spatial dynamic panel data models were constructed to study the impact of credit expansion and foreign direct investment (FDI) on...

Credit risk mitigation (CRM) is an effective mean for bank's credit risk transformation. Buying CRM can reduce bank's capital requirement, and meet Basel regulatory agreement effectively. China's implementation of CRM will help improve the credit risk-sharing mechanisms, solve the "paradox of credibility"...

Counterfeit cards and the theft of credit and debit card information pose the greatest danger to today’s modern society. This leads to numerous security concerns. Biometric retina scan authentication mechanism can solve the above mentioned problem considering that a person’s retina scan cannot be readily...

This paper proposes a new credit rating model for enterprises based on the Projection Pursuit and K-means clustering algorithm. Firstly, using Projection Pursuit, the comprehensive credit score of each sample is obtained, so as to reflect the structure or characteristics of original multi-dimensional...

This study aims to investigate the implementation of curriculum 2013 using Credit Semester System at Madrasah Aliyah (senior high school level) that focuses on the supporting factors and factor inhibiting implementation of curriculum 2013 using Credit Semester system. The design of this study is descriptive...

This research aimed to analyze the effect of capital adequacy, credit risk, liquidity, operational cost, income diversification, firm size and ownership structure on the bank’s profitability. The object of this research is the conventional commercial bank listed at the Indonesia Stock Exchange (Bursa...

The purpose of this study is to determine how the influence of external factors in the form of market access, business climate and financial limitations in Medan City on business continuity during the COVID 19 pandemic. The Indonesian economy is the economy of MSMEs because it contributes more than 60%...

On May 19, 2023, The Financial Services Authority (OJK) advised people against borrowing money from online loans for purchasing tickets to the Coldplay music concert in Jakarta on November 15, 2023. Online loans are believed to make debt systems more effective, effective and easier. Because the consequences...

The fast advancement of technology and information through the internet has given rise to cyberspace, fostering globalization and allowing diverse electronic transactions. One major impact is the rise of e-commerce, allowing individuals and companies to conduct buying and selling online. This research...

This paper uses 403 P2P platforms’ data from January 2014 to June 2018 in China, and uses the mediation effect model to analyze according to the different equity background. It is found that the P2P platform can increase volume of transaction in the case of venture capital, state-owned enterprises, listed...

With the development of information and communication technology and Internet, the impact of Internet financial information on the financial markets has more and more restrictions to ignore.the Internet is common in people's life , which brought great changes to the financial industry, since the 2012...

The degree of supplier concentration has both benefit and risk effects. It is an important issue to discuss how to interpret the bond spreads of bonds in the two level market. In this paper, we use the study of corporate debt data in the two level market for 2009-2016 years in China. It is found that...

It has been proved that customer segmentation can bring more profits to companies. However, many small companies still hesitate to use it, or they just do not know how to actually use customer segmentation. This paper analyzes the purpose and benefits of customer segmentation. The most common applications...

The high potential of the creative economy can improve the economy of business entrepreneurs. The establishment of Government Regulation Number 4 of 2022 concerning the Creative Economy is an opportunity to create Intellectual Property Rights (IPR) as an object of guarantee. The intellectual property...

The purpose of this study is to assess the impact of the global economic crisis in 2008-2009 on loan growth in foreign banks in Indonesia. Using Indonesian banking industry data, I constructed a panel of 1,372 bank-year observations for 98 banks in Indonesia, which includes 20 bank-year observations...

This study researches the influence of digital inclusive finance on small and medium-size enterprises’ business performance. The role and mechanism between inclusive digital finance and business performance are explored by constructing a structural equation model. The finding indicates that digital inclusive...

The banking sector is the main form intermediation of financial for the household sector in the form of consumer credit disbursement, as well as providing financial transaction services to the public. In 2020, the banking sector dominates the Indonesian financial system by 77.98%. This means that the...

the development history of China’s supply chain finance is short. It still belongs to exploratory business scope of China’s commercial banks. Even so, it can still help Chinese rural financial system gain some effective financial support. But, it also has shortcomings, such as credit risk. So, this paper...

This research tries to form the function and approach of establishing efficient and convenient Cross-Border Electronic Public Services platform (CBEPSP) in ACFTA. By integrating information release,data search, business management, e-payment and other functions, construction portal website and basic...

Based on the survey data of 652 samples from 13 provinces in China, this paper analyzes the influence of mobile payment on consumers' consumption behavior and finds that mobile payment stimulates consumers' consumption quantity and willingness to consume luxury goods. The impact of the change of payment...

Firstly, this paper divides the credit of college students into four dimensions: credit of honesty, credit of employment, credit of credit and credit of consumption. Starting from the current situation of credit construction of college students in Chengdu, this paper reveals the problems and deficiencies...

Research purpose: Basel Committee (2004) sets the Basel 2 with three pillars as Pillar 1 (Capital Adequacy Requirements) and Pillar 2 (Supervisory review) in order to improve bank efficiency. More specifically, the Pillar 1 with information disclosure requirement to support bank-related parties in financial...

Financialsystem exhibits a high degree of interdependence. Different typesof interconnections exist among financial agents, such as loanguarantees and cross share-holding. Financial contagion coulddiffuse along the interconnections and lead to wide spreadof risk. Thus how to effectively maintain the...

Village Credit Institutions (LPD) are required to prepare financial reports that refer to the framework for preparing financial reports. LPD with its specific characteristics, as well as referring to the explanation of LPD equity, which in terms of financial accounting standards conforms to the characteristics...

China’s government has introduced Dual Credit Policy to promote the green transformation of the automobile industry, and in August 2023, a new Credit Pool mechanism was added. This paper focuses on the impact of the Credit Pool on the investment decision of traditional automobile enterprises. The study...

This study reframes B2B Buy-Now-Pay-Later (BNPL) as a channel strategy and tests whether embedded credit at order placement improves working capital, increases distributor marketing effort, and enhances collaborative performance through an effort-based mechanism. Using a multi-year manufacturer–distributor–month...

Compared with the developed countries, the development of the capital markets in China are relatively backward. And indirect financing based on bank credit is still the main way of social financing. A lot of uncertain factors of the international markets have interposed in Chinese domestic markets, which...

This study aims to analyze the influence of Interest Rate, Economic Growth, Domestic Credit and Foreign Exchange against Foreign Reserves. The analysis is based on Monetary Approach to the Balance of Payment (MABP) theory. The object of research is the value of Indonesia Foreign Exchange Reserve. This...

The development of modern science and technology takes "the improvement of computing capacity and data mining application and transmission" as its essence, which continuously promotes the development of commercial Banks, and the credit business subconsciously needs to change in the intelligent technical...

This study analyzes differences in the shadow price of working capital between shrimp farmers who rely on formal credit for all their working capital needs and farmers who also borrow informally. The sample is small, and the results may not be representative of the overall formal and informal markets...

In recent years, with the deeply combine of "Internet + finance", traditional supply chain finance has also accelerated the pace of online operation, and its risks have gradually been exposed. Therefore, it is necessary to study the risk of the online supply chain finance in order to clarify its characteristics,...

This study aims to analyze the implementation of credit risk management in a banking company, PT BPR X. The background of this research was because PT BPR X faced high non-performing loans caused by the Covid-19 pandemic and the implementation of credit risk management was not optimal. The data used...

Traditional village business entities in Bali need to have an entrepreneurial orientation to improve performance. The objectives of this study were to describe and understand the entrepreneurial orientation of traditional village business entities, to describe and understand the financial performance...

In order to solve the problem that more spare time but less rational time arrangement for college students, a study specification named eight-hour study mode is proposed. It requires students to ensure an average of eight hours per day and forty hours per week as basic study time. A key concept lesson...

This article applied financial index analysis method, combining with the concrete enterprise financial indicators to evaluate the financial position and operating results of enterprise, through detailed analysis to the enterprise operation ability, debt paying ability, profit ability and development...

By analyzing Sino-American consumer finance, the developmental gap and causes for the gap are found out. SWOT analysis clearly shows that financial technology brings development opportunities and challenges to consumer finance. By aiming at the above-mentioned analysis, this paper proposes several measures...

Micro, Small and Medium Enterprises (MSME) are important sectors in the economy, especially for developing countries. One of the biggest obstacles towards developing the sector is related to financing. Bank Indonesia has launched the regulation called Bank Indonesia's Policy/Peraturan Bank Indonesia...

Knowledge consumption behavior is an important feature of the digital economy era. Consumers’ knowledge anxiety, user learning behavior, and the networked crowd structure have expanded the demand for knowledge. Technological innovation and participatory production have improved the ability to generate...

This study aims to analyze the impact of government on the effect of the development of innovation on competitiveness in Small and Medium Enterprises (SMEs) in Malang. The study was conducted on food SMEs in the Greater Malang area. All SMEs registered at the Cooperative Service Office were sampled and...

This research explains the influences of macroeconomics on the Probability of Default (PD) for the micro business segment in Indonesia. The model used to measure credit risk indicators is based on Days Past Due (DPD) and collectability to calculate the PD in accordance with the company’s internal historical...

This research topic is related to the involvement and role of students who take part in the School Teaching Program. This research aims to provide a comprehensive picture of student involvement and roles in the MBKM Program. This research uses a qualitative approach to collect perspectives from a sample...

In recent years, college students with financial need have benefited from various effective subsidy policies. College students no longer drop out of school for family economic condition. This article analyzes the current situation of honesty education for college students in financial struggle who have...

In view of the credit risk loss brought by incomplete loan transactions to the online P2P lending platform, based on the data set of Prosper Company, this paper, on the one hand, establishes machine learning models such as logistic regression, decision tree, random forest, etc. to predict whether the...

The achievement of the target of fulfilling drinking water needs in Indonesia is not easily met. One of the main problems is the financing of PDAM infrastructure development. Many infrastructure financing models have offered, but not necessarily in accordance with the conditions of the company. The developed...

Poverty in East Java which is the highest in Indonesia with the number of poor people in the village more than in the city. This study aim to find out the efficiency of micro-enterprises in the agricultural sector who received Kredit Usaha Rakyat (KUR) and Commercial Credit (KK) and how the influence...