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The Financial Technology (Fintech) market is growing rapidly, alongside the growth of Small and Medium Enterprises (SMEs) in Indonesia. However, there are still no clear legal regulations related to the application of fintech. In addition, collaboration is needed in optimizing the implementation of fintech...

The study aims at determining the level of welfare of the members of the Abiantuwung Village Credit Institution (Lembaga Perkreditan Desa/LPD) in terms of the dimensions of social value, civil society, innovation, and economic activity. This study is descriptive research. The population in this study...

This paper analyzes the risk factors and risk characteristics of new technology operation. Due to the overall risk of the operation of the new technology to a large extent depends on the operating carrier, technology, market and service, therefore, this article will from the operating carrier, technology,...

The paper presents the design and development of a low cost compact chipless RFID system for secure near field data transfer. The proposed system is suitable for use in credit cards, personal data keeping cards and identification cards based on the principle of “data transfer by contact” which at present...

This paper studied the relationship between rural credit and farmers' income based on the data from 2000 to 2016 by constructing the C-D production function, comprehensively applying the ADF test, co-integration test and Granger Causality test. It indicated that there was a positive relationship between...

Interpersonal relationship is an important factor affecting the contagion of associated credit risk among enterprises in supply chain. Based on the combination financing channels of bank credit and trade credit, this paper considers the interpersonal relationship between managers in supply chain enterprises,...

Taking 25 commercial banks in 2018 as data samples, this paper uses kmv model to measure their credit risk, and evaluates 25 commercial banks in S & P, Moody's rating default probability mapping relationship. The results show that in mid-2018, the credit risk of 25 commercial banks is measured by means...

The current development of international trade is fraught with both challenges and opportunities. China is advocating for digital consumption and promoting the deep integration of digital upgrades and industrial transformation. Financial consumption. To better explore the external manifestations and...

In the field of credit research, there are relatively few studies that build a model from the perspective of TTF model and TAM model integration. The research will combine TTF and TAM to build a structural model with credit user type as the regulating variable. The research is carried out with task-technology...

This research aims to unveil the effectiveness of microcredit, a form of financial service for micro, small, and medium-sized enterprises (MSMEs) in Surakarta. The reason for conducting this research is the adverse impact of the COVID-19 pandemic on the MSME sector, putting them in dire need of capital...

The study of rural women's formal financial loaning behavior must pay attention to both "loan demand" and "credit supply" at the same time, i.e., we must pay attention to loaning intention, actual loaning application behavior, and credit constraints or credit rationing of by formal financial institutions...

Sales are a major source of corporate earnings. Improved sales are an important goal in supporting a company's operational processes. As a sales strategy, sales on credit is an option to increase the demand for a firm’s goods. However, offering credit can negatively impact a company's business if it...

Empirical data on the development of rural-owned rural in 2020 shows that around 77% of rural-owned rural in Bali and around 73% are still running savings and loan businesses, and other businesses such as 19.8% shop business units, 8.8% market management businesses, waste management 10.8%, leasing 15.8%,...

With the end of the epidemic and the gradual recovery of the national economy, the real estate economy as an important economic pillar of the country will naturally attract people’s attention. This study will focus on the short- and long-term impact of the pandemic on the real estate economy, especially...

Background: While the notion of a greenium—a pricing or performance differential tied to green labels—has been widely studied in bond markets, its presence within India’s mutual fund universe is far less documented. The post-COVID period brought rapid growth in ESG-branded schemes and stronger sustainability...

On the basis of personal credit rating methodology from home and abroad, combined with the current status of financial institutions, credit rating and specific operational measures, proposed using Modified Fuzzy comprehensive evaluation of individual credit assessment. The method utilizes AHP and group...

To carry on honesty education for the university students plays a major role in modern university students' quality education. In the constructive process of the ecological education system of university students honesty education, colleges all over the world should follow the principle of the organic...

Research on community financing is still lack of security agencies to join and the repayment situation in practice is not ideal. In this paper, repeated game theory is used as a tool to analysis the rational choice path of bank and enterprises game based on the credit guarantees added, thus maximizing...

Social media has grown rapidly and automatically allows new types of interactions. As a result, people are polarized into those who use social media positively or negatively. Such an interesting topic attracted the author to conduct a research aiming to find out how people convey hoaxes through sentences...

Based on the theory of credit rationing and the survey data of 324 households in Shaanxi Province, this paper uses heckprobit sample selection method to study and analyze the impact of joining cooperatives on farmers'credit rationing. The results show that after joining the cooperatives, the degree of...

It is necessary to build up the scientific and effective index system of credit risk assessment of the Technology-based SMEs. Based on the previous research of credit risk assessment system of the technology-based SMEs by home and abroad scholars, this paper is to find out the existed problems of credit...

With the development of higher education in China, the implementation of the full credit system has become an inevitable trend of higher education development and reform. It is the fusion product of modern education idea and modern management idea. Firstly, this paper introduces the development course...

At present, the total balance of non-performing loans of major commercial banks shows a rising trend, which not only seriously weakens the economic support role of commercial banks, but also seriously affects the net profit income and economic asset quality of commercial banks. The national financial...

Based on the historical data of power customers, the index system needed to determine the model is determined based on the customer's basic attributes, power usage behavior, payment behavior, customer credit, geographic region, and weather environment. Through the correlation coefficient matrix and information...

This paper selects the data of twelve provinces and cities in the western region of China from 2011 to 2015, constructs the panel data and establishes the econometric model. It mainly analyzes the efficiency of allocating financial resources in the western region from three aspects: the marketization...

The problem of the women’s participation in the Indonesian parliament begins with its mainstreaming in participation policy. Affirmative action policies aimed at empowering women’s representation in parliament are judged by the quantity of women’s participation in parliament having a fundamental problem...

The Covid-19 pandemic in Indonesia has an unfavorable influence on the banking sector; not only economic and financial policies in adjusting conditions significantly affect companies, but people are also currently turning to the digital era with a relatively high number of customer increases. Thus, this...

It is inevitable that the creation of microfinance follows the financial deepened development and the financial innovation. Capital acceleration drives economic growth and credit is necessary for some fields especially for micro-agriculture and micro-industry to develop. But most people believe that...

The study aimed to find out the simultaneous influence on product, price, place and promotion to the consumers' decision by using BNI Makassar credit cards. The population of this research was 250 consumers and the samples were 180 con-sumers. The data were collected by using questionnaire, observa-tion...

MOOC boom spawned on-line domestic colleges and universities curriculum online, massive open online course make a lot of people get top education opportunities at home and abroad. Along with learning to participate in the MOOC courses in the rapid expansion of the number, this model set the distance...

This study examines credit risk in China’s new energy sector, which is critical for the country’s sustainable energy transition. While government policies have supported sector growth, they have also increased financial risks, particularly credit risk, due to untested business models and capital-intensive...

The research in this study set out to determine how LPD performance in Karangasem District is affected by IT-related factors such as company culture, leadership style, and internal control system. The research included 82 Karangasem District residents who worked for Village Credit Institutions and were...

Taking the college students as the object of study, this paper analyzes the phenomenon of dishonesty in the university campus, and the honesty and credit are seriously absent, and the honesty of university students is also facing a crisis. It points out that the society, schools, families as well as...

Referring to the relevant literatures and theories, this paper summarizes and combs many scholars' viewpoints related to optimal portfolios with credit bonds and derivatives. Due to the fact that asset pricing is the basis of asset portfolio, this paper expounds the pricing and optimal portfolio problems...

The purpose of this study is to analyze the valuation mechanism for Intellectual Property Rights copyright’s products as objects of credit guarantees in the era of digitalization, analyze the factors that affect the valuation of Intellectual Property Rights copyright’s products as objects of credit guarantees...

The credit default swap market has been in existence since the 1990s. This paper mainly focuses on the investigation of the impact of credit default swap on the stability of the financial market as a whole through literature review and case study. A general overview and the hedging as well as speculation...

Stigma that increased in the communties are considering that madrasah as second of the school so become later choice by student after not accepted in the school regular. One of cause this is the curriculum not yet eligible implementation in the madrasah. Recently the madrasah still following and using...

The purpose of this research is to examine the effect of bank soundness as measured by risk based bank rating on stock returns. Risk based bank rating consists of risk profile (credit risk-NPL and liquidity risk-LDR), GCG disclosure, earnings (return on assets-ROA and operating expense to income ratio-OEIR),...

As well as posing a challenge to the management methods and means of local governments, the rapid development of regional economy and trade has presented an opportunity of reform. In China, Yunnan borders on many countries including Vietnam, Laos, and Burma. Thus, it is an important gateway for China...

As a dominant organizational form of the digital economy, e-commerce platforms are increasingly challenged by fake positive reviews and rebate-driven manipulative ratings, which undermine market integrity and distort consumer decision-making. To address this issue, this study collects over 40,000 review...

Non homogeneous token (NFT) based on blockchain is a kind of digital asset ownership recorded on blockchain, which is unique, irreplaceable and indivisible. As a core requirement in the smart economy, NFTs have been widely used in collectibles, encrypted artworks and games. Firstly, this paper expounds...

Women entrepreneurs are significant in ensuring the economic growth is inclusive and sustainable. Nevertheless, they all mostly find it hard to access formal financial assistance due to stringent collateral conditions, ambiguous credit objectives, and discrimination at financial institutions. The conventional...

This research aims to analyse the influence of attitude and inner group (herding) in making credit decision by micro, small, and medium enterprises (MSMEs) person. The samples of this research was conducted with 150 samples of 1350 units population of MSMEs in Salatiga and using purposive sampling technique...

Formal lending in rural finance is a powerful way to serve "agriculture, countryside and farmers" and the key to promoting rural economic development. Farmers’ demand for funds is expanding day by day. However, there are still some problems caused by information asymmetry in rural financial supply. Through...

This article is about stress testing method for forecasting of probability of occurrence of risk reveal. There are types of possible stress tests and scenarios for forecasting of occurrence of risks allocated in the research. The financial potential of the region is considered as a set of regional resources...

In the study of the future network architecture NDN, security and privacy problem has always been a very important research topic. Aiming at this problem, this paper analyzes and discusses the security and privacy issues in NDN network security, content security and privacy, signature and credit management,...

This study aims to examine the effect of corporate governance disclosures and risk profiles on bank performance where bank performance was measured by return on assets (ROA) and corporate governance disclosures were measured by a self-assessment conducted by the bank. Moreover, the risk profile consists...

At present, the credit management mode of commercial bank in lianyungang for the SMEs is still in the exploring, although the various credit policy for the small and medium-sized enterprises has been come out, the risk management plan and operation method that really suit for credit demand for the SMEs...

Nobel laureate Pissarides (2017) mentioned that the issue of low wages is not unique to Taiwan, But the trend in all countries of the world. Taiwan's labor market, five-day work week, low salary, youth unemployment, AI replaces work, etc., are full of incomprehensible questions. In this depressed market,...

In the current situation of “Internet plus Finance”, the assessment of personal credit risk is of vital importance to the sustained and steady growth of the whole social economy. In order to more effectively complete the personal credit risk assessment, the innovation of this paper lies in the introduction...