Quality Management Principles and Benefits of their Implementation in Central Banks

OpenAIRE

Radoica Luburić

2015-01-01

This article discusses the principles of quality management and benefits of their implementation in central banks. It is based on new principles of quality management, in particular to: customer focus, leadership, engagement of people, process approach, improvement, evidence-based decision making, and, relationship management. With a view to continuously improving their performance and achieving sustained success, central banks have a realistic opportunity to use these principles in an effici...

Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide

International Nuclear Information System (INIS)

Van Gelder, J.W.; Kouwenhoven, D.

2010-05-01

This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [nl

Mengembangkan Human Resource Management yang Strategis untuk Menunjang Daya Saing Organisasi: Perspektif Manajemen Kinerja (Performance Management di Bank Syariah

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Ahmad Azmy

2015-05-01

Full Text Available This article discusses performance management in sharia banks related to human resources. The method used is descriptive in providing a comprehensive explanation based on factual data. Performance management in sharia banks should be applied based on the characteristics of human resources by sharia. The characteristics of the human resources required by sharia banks are different from conventional banks. Human resources in sharia banks should have different performance indicators to conventional banks. Performance indicators serve as a guide in the process of implementing sustainability performance as an effort of sharia banking in the banking industry in Indonesia.

 Bank sustainability reporting within GRI-G4 Framework

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Ana Kundid Novokmet

2016-09-01

Full Text Available Sustainability accounting, with its final output – sustainability reporting, is a new field of accounting focused on evaluating and following up activities regarding a firm’s governance, environmental issues and social inclusion and interaction. Among several standardized frameworks, companies worldwide often choose the Global Reporting Initiative (GRI Sustainability Reporting Guidelines. Since the year 2000, GRI Guidelines have evolved and currently the fourth generation is in use. The aim of this study is to assess the latest form of sustainability reporting within an integrated report in the banking industry using the UniCredit Group, which operates in 15 countries, as an example. Sustainability reporting will soon become mandatory in the European Union (EU for large companies, listed companies and publicinterest entities (e.g. banks with an average of at least 500 employees, starting from the year 2018 (for activities in 2017. This paper is focused on a content analysis of the recent bank sustainability reporting with a critical review on this matter.

Sustainable business model archetypes for the banking industry

NARCIS (Netherlands)

Yip, Angus W. H.; Bocken, N.M.P.

2018-01-01

Sustainable business model innovation is increasingly viewed as a lever for systems change for sustainability across businesses and industries. Banks hold a unique intermediary role in sustainable development, but also have a difficult position after the 2008 financial crisis. This paper aims to

The China Development Bank and Sustainable Development

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Valentina Levanchuk

2016-11-01

Full Text Available In this article, the author presents an empirical study of sustainable banking in China and examines the flagship China DevelopmentBank (CDB. The CDB is directly supervised by the State Council of the People’s Republic of China and is one ofthe largest state-owned financial institutions in the country. Its overseas lending is growing rapidly; it increasingly acts as aglobal player, influenced by a variety of international actors. Using the mercantilist framework, the author investigates how the CDB’s social policies diverge from those set by the Chinese authorities. The analysis discusses CDB’s policy variations that are not in line with government interests or prescribed directly by governmental bodies. It concludes that the bank has been active in developing and establishing its own corporate strategy for implementing the concept of sustainable development to promote a balanced development of the economy, society and the environment. That strategy contains the norms and rules set by Chinese regulatory agencies with regard to social and environmental areas, as well as important elements ofthe international practice of corporate responsibility and sustainable funding. The CDB is most likely driven by its desire tobe considered internationally a good corporate citizen and often acts independently from governmental guidance, which insome sense undermines mercantilist perceptions.

Faktor-Faktor yang Mempengaruhi Financial Sustainability Ratio pada Bank Umum Swast Nasional Non Devisa Periode 1995-2005

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Luciana Spica Almilia

2009-01-01

Full Text Available This study is aimed to test the consistency of time period model, whether the information that previously affects today’s performance can be used to predict the performance in the future, and how the consistency of Indonesia banking financial prediction model formulation equation in order to detect bank condition and performance in the period of pre-economic crisis (1995-1996, during economic crisis (1997-1999 or post-economic crisis (2000-2005 is since bank condition and health is the interest of all relevant parties namely bank owner and manager, customers, Bank Indonesia in its capacity as the supervisor and builder, and the government. The samples are Non Foreign Exchange National Private Banks listed in Indonesian Banking Directory during the period after economic crisis in 1995 – 2005 and Indonesian Financial Economic Statistics Monthly Statement for economic macro indicator. The sampling is performed by means of purposive method (purposive sampling. Dependent Variable in this study is Financial Sustainability Ratio and independent variable in this study is Capital Adequacy Ratio, Non Performing Loan, Return On Assets, Operational Cost Ratio to Operational Income, Loan to Deposit Ratio, Money Supply Sensitivity, General Customer Price Index Sensitivity and SBI Interest Rate Sensitivity. The result of this study shows that model financial sustainability ratio did not have structural stabilization in 1999 – 2005. Abstract in Bahasa Indonesia: Penelitian ini betujuan untuk menguji konsistensi model prediksi kinerja keuangan pada Bank Umum Swasta Nasional Non Devisa periode 1995-2005. Variabel-variabel yang digunakan dalam penelitian ini adalah kinerja keuangan Bank Umum Swasta Nasional Non Devisa yang diproksikan melalui Financial Sustainability Ratio (FSR. Sampel yang terpilih dalam penelitian ini dengan metode purposive sampling berjumlah 28 bank umum swasta nasional non devisa yang terdaftar di direktori Bank Indonesia selama tahun

The Impact of Refinancing on the Financial Sustainability of Banking Institutions

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Fursova Viktoriya А.

2017-05-01

Full Text Available The article analyzes and generalizes contemporary techniques for assessing the financial sustainability of commercial banks. It has been identified that none of the techniques considered takes in full account of the bank’s debt level to the National Bank of Ukraine, despite the large role of the regulator in maintaining liquidity and solvency of banking institutions during the crisis. The necessity to consider, in terms of the rating techniques for assessment of the financial sustainability of commercial banks, the refinancing indicator that can be useful to calculate the ratio of the credit means of the National Bank of Ukraine to the equity capital, has been substantiated. Improving the existing rating techniques by including this indicator will enhance their efficiency and provide possibility to develop timely recommendations for regulating crisis developments in a banking institution.

RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

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V. B. Pogosyan

2011-01-01

Full Text Available Main strategic management problems characteristic for the majority of Russian bank are: absence of systems making it possible to adapt bank activity elements to changing outer and inner business conditions; obsolete client service system; traditional liquidity and risk managementmechanisms; absence of systems of coordinating bank strategic management process participants’ interests with the banks aims. Ways of overcoming basic difficulties in bank activity strategic management are defined.

LIQUIDITY MANAGING A CURRENT JOB OF BANKING MANAGEMENT

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MEDAR LUCIAN-ION

2014-02-01

Full Text Available A credit institution liquidity managing, concerns on currency flows and operative funding needs, for customer satisfaction. Correlating bank liabilities and assets reflects the overall picture of the liquidity situation. The purpose of an efficient management of bank liquidity is to ensure the normal course of banking intermediation, to protect the interests of customers on one side and of the shareholders on the other side. Through an efficient bank liquidity management, are ensured reserve requirements and especially reasonable banking capacity of deposits reimbursement to customers, correlated with period in which they are or there are not returned to the credit institution, investments in the loans and other assets.

ROMANIAN BANKS LIQUIDITY MANAGEMENT

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BATRANCEA MARIA

2013-07-01

Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

The difference between lending interest rate and funds interest rate. Link with sustainable banking. Particularities of Romanian Market

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Cristian Gheorghe Iacob

2015-05-01

Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.

Integrated risk management in a commercial market-maker bank using the 'cash flow at risk' approach

OpenAIRE

Voloshyn, Ihor; Voloshyn, Mykyta

2013-01-01

In this article, on the basis of the "cash flow at risk" approach, the system of the integrated (credit, market, operational and liquidity risks) risk management in a market-maker commercial bank is developed. This system guarantees reaching profitability, liquidity and coverage of banking risks and thus allows the fullest protection of the interests of depositors, creditors and shareholders of the bank providing its sustainable development.

Credit risk management in banks

OpenAIRE

Pětníková, Tereza

2014-01-01

The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

Bank service management in Ghana

DEFF Research Database (Denmark)

Kuada, John; Narteh, Bedman

2011-01-01

This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

Bank development; bank development efficiency; bank management; bank.

OpenAIRE

Самородов, Б. В.

2014-01-01

In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

Change management in bank M&A

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Kontić Ljiljana

2014-01-01

Full Text Available This paper examines the issues of change management in merger and acquisitions (M&As using the mixed method research approach. The research setting consisted of a foreign bank that operates in Serbia. The main aim of this study is to examine willingness for change in bank M&A. The qualitative data about the bank were sourced from publicly available information about the bank. The standardized questionnaire is used to assess bank's willingness for change. Based on managers structure, the representative sample of middle managers has been interviewed in this study. The research findings revealed possible practical implementation of the questionnaire in the Serbian banking sector. The results revealed that changes in bank should be led top down. The findings add to the existing literature on success factors in cross-border mergers and acquisitions. The study limitation are suggested.

Bank capital management : International evidence

NARCIS (Netherlands)

De Jonghe, O.G.; Öztekin, Ö.

We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management

Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

OpenAIRE

YU, LIN

2009-01-01

The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

Strengthening the Three Lines of Defence in Terms of More Efficient Operational Risk Management in Central Banks

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Luburić Radoica

2017-01-01

Full Text Available This paper is the result of the author`s many years of multidisciplinary research in the areas of quality management and operational risk management. The main focus of the research is aimed at strengthening the model of the “three lines of defence” in terms of more efficient management of operational risks - those that arise as a result of inadequate and unsuccessful processes and systems, human factors, as well as those that can appear as a result of external events. The strengthening of the three lines of defence model is brought about through the synergy of quality management principles, the principles of risk management, and the total quality management approach. In essence, the term strengthening may be interpreted as a process of continual improvement. Business operations based on the principles of quality management and risk management allow central banks to be able to continuously improve their overall business performance. The principles of quality management contain properly aligned and matched best solutions from current management theory and practice. Designed to work together - and this essentially means in a consistent, synchronized and synergistic manner, the principles are translated into a series of requirements and guidelines of international standards suitable for implementation. Through their synergy, the principles of quality management and risk management, as well as approaches to total quality management form a clear, applicable and sustainable paradigm of successful management of central banks. Incorporation of the principles of quality management in central bank systems and processes would significantly strengthen the three lines of defence, in terms of efficient operational risk management, which this paper aims to show in a clear and comprehensive manner. Although any central bank is a specific institution, all the principles of quality management and risk management can be applied to its operations. In addition to

APPLIED ISSUES ABOUT BANKING RISK MANAGEMENT

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Elena Geanina Clipici

2017-09-01

Full Text Available The following paper emphasizes the need to deepen the understanding of the notion of banking risk management by explaining the significant risks the bank encounters during financial exercises as well as their additional entries. The study of the paper will focus on UniCredit Bank during the years 2014 and  2015 on all types of risks, in which we will provide comprehensive data on how the UniCredit Bank management applies its risk policies.

Bank Customers Management System

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Ebubeogu Amarachukwu Felix

2015-08-01

Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

MANAGEMENT OF SECURITY FOR BANK LOANS ON THE BASIS OF RISK MANAGEMENT

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Viktoriia Kovalenko

2016-03-01

Full Text Available The article aims to study methods and tools for risk management to ensure bank loans.  Proved that the effectiveness of risk management to ensure bank loans depends on consistency,  adequacy methods of evaluation, quality monitoring and timely response system of the banks and the  regulator. The article is to develop recommendations to improve the effectiveness of risk management providing bank loans considering the risks inherent in the process support mortgage portfolio of banks in the  face of considerable uncertainty functioning banks. It is proved that the risk provision of bank loans in the loan management should be considered  through risk characteristics that form the aggregate credit risk. Substantiated that risk management software meets the classic risk management, which identifies  four main stages: identification; risk assessment software; control risk; minimizing risk. Keywords: credit risk provision, loan, risk management, reserves.JEL: G 28

Social sustainability business practices and organisational performance in Nigerian banks

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Oyewo Babajide Michael

2018-04-01

Full Text Available This study examines employee involvement in organisational affairs as an important facet of social sustainability in the Nigerian banking sector, because providing good customer service requires committed employees rather than coerced labour. Data extracted through quantitative content analysis from the financial reports of fifteen commercial banks were analysed using descriptive statistics, Z test, one-way ANOVA, correlation and regression analysis techniques. e study found that employee involvement correlates positively and significantly with organisational performance; and banks differ in performance on the account of the level of employee involvement; firms with deeper level of employee involvement performed better than others with shallow level of employee involvement, thus stressing the relevance of employee involvement as an aspect of social sustainability business practices. Organisations are enjoined to involve their employees more to achieve better results; and embrace the modern philosophy of regarding employees as strategic resources that can be used to bolster core competence.

Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

OpenAIRE

Uddin, Md Akther

2015-01-01

Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

A study on relationship between electronic banking and liquidity management on Iranian banks

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Hassan Ghodrati

2014-06-01

Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

BANK SAMPAH SEBAGAI ALTERNATIF STRATEGI PENGELOLAAN SAMPAH BERBASIS MASYARAKAT DI TASIKMALAYA (Bank Sampah (Waste Banks as an Alternative of Community-Based Waste Management Strategy in Tasikmalaya

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Donna Asteria

2016-02-01

Full Text Available ABSTRAK Perubahan paradigma masyarakat mengenai sampah perlu dilakukan secara berkelanjutan. Edukasi kesadaraan dan keterampilan warga untuk pengelolaan sampah dengan penerapan prinsip reduce, reuse, recycle dan replant (4R penting dalam penyelesaian masalah sampah melalui pengelolaan sampah sejak dari sumbernya. Bank sampah yang berbasiskan partisipasi warga perempuan merupakan modal sosial dalam pengelolaan sampah berbasis masyarakat. Bank sampah yang diintegrasikan dengan prinsip 4R dilaksanakan di Kampung Karangresik, Tasikmalaya, Indonesia. Kegiatan bank sampah merupakan konsep pengumpulan sampah kering dan dipilah serta memiliki manajemen layaknya perbankan tapi yang ditabung bukan uang melainkan sampah. Pemberdayaan warga melalui kegiatan penyuluhan, edukasi, pelatihan dengan metode partisipasi emansipatoris (interaksi dan komunikasi, serta dialog dengan warga di komunitas. Selain itu diperlukan dukungan kemitraan dengan membangun jejaring dan mekanisme kerja sama kelembagaan antara warga pengelola bank sampah dengan stakeholder terkait. Bank Sampah Pucuk Resik (BSPR di Kampung Karangresik ini telah memberikan manfaat kepada warga, terutama manfaat langsung dengan berkurangnya timbulan sampah di komunitas, lingkungan menjadi lebih bersih dan asri, serta kemandirian warga secara ekonomi. Selain manfaat secara ekonomi, dimana dari tabungan sampah memperoleh uang untuk membayar listrik dan membeli sembako, juga terwujudnya kesehatan lingkungan, dengan kondisi komunitas yang lebih bersih, hijau, nyaman, dan sehat. Pengelolaan sampah terintegrasi dapat menstimulasi kreativitas dan inovasi dari masyarakat sehingga meningkatkan kesejahteraan warga. ABSTRACT Change of paradigm in community about the waste needs to be done with sustainable action. Education of awareness and skills of citizen for waste management with the application of the principle of reduce, reuse, recycle and replant (4R is important in solving the waste problem through waste

Improving the System of Risk Management in Ukrainian Banks

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Skasko Oleh I.

2014-01-01

Full Text Available The goal of the article lies in the study of evolution of formation of the risk management system in Ukrainian banks, main instruments, methods of risk management and organisational approaches to formation of subdivisions of risk management and corporate management in banks. Analysing recommendations of the Basel Committee on Banking Supervision, legislative and regulatory acts, which form organisational and methodological requirements by risk management in banks, the article reveals shortcomings of its functioning. The article gives proposals on improvement of riskology in Ukrainian banks, namely: introduction of the requirement for risk assessment and stress testing by banks in the medium-term prospective (up to 3 years, which would reveal risks of realisation of long-term bank programmes, potential losses of receipts and capital due to existing gaps between the terms of performance of obligations by assets and liabilities, etc. In the result of the study the article establishes that in order to realise requirements of the Basel Committee on Banking Supervision on organisation of subdivisions of risk management in banks, it is necessary to introduce qualification requirements to managers of these services and procedures of their assignment/retirement in co-ordination with the banking supervision service, the status of which in the bank is not lower than managers of the internal audit and financial monitoring services, assignment of whom should be mandatory co-ordinated with NBU.

Active Risk Management and Banking Stability

NARCIS (Netherlands)

Silva Buston, C.F.

2013-01-01

Abstract: This paper analyzes the net impact of two opposing effects of active risk management at banks on their stability: higher risk-taking incentives and better isolation of credit supply from varying economic conditions. We present a model where banks actively manage their portfolio risk by

It’s Time for Green Banking Management in Romania

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Ioana Florentina Savu

2012-04-01

Full Text Available In the current Romanian economic climate banks will have to develop a series of initiativesin order to reduce environmental impact. The article is intended to define banks ecological behaviorand establish the role of non – governmental organizations and banking products in bank’s ecologicalmanagement. It focuses on projects that banks can undertake in partnership with environmentalorganizations such as paper recycling, forestationwith employees - volunteers from the banks,"canvas bag", building solar panels and "sustainability tour". For an appropriate environmentalbehavior, banks should encourage customers to use banking products and services in a friendlyenvironment, opting for green cards, online banking, electronic bank statements, green mortgages,green home equity loans, green commercial buildingsloans or green car loans.

QUALITY MANAGEMENT IN BANKING SYSTEM

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Micuda Ion Dan

2009-05-01

Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

Optimizing the Banking Activity Using Assets & Liabilities Management

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Vasile Dedu

2008-10-01

Full Text Available In the actual study, starting from the international experience, we revealed the role that should be taken by the Assets and Liabilities Committee (ALCO within the Romanian commercial banks. ALCO became one of the tools used by the executive management of the banks to take decisions regarding the future policy of assets and liabilities management, relying on the synthetic information prepared by well trained technicians but without voting right (usually middle management staff. We consider that the implementation of an assets and liabilities management strategy cannot be done without an appropriate corporate governance structure, even though the bank is having highly specialized staff. Models of some western banking institutions may be considered as benchmarks by the Romanian banks.

12 CFR 615.5181 - Bank interest rate risk management program.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Bank interest rate risk management program. 615... FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Risk Assessment and Management § 615.5181 Bank interest rate risk management program. (a) The board of directors of each Farm Credit Bank...

Credit Risk Management in Chinese Banking Industry

OpenAIRE

Zhang, Lei

2006-01-01

Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

Financial Service of Wealth Management Banking: Balanced Scorecard Approach

OpenAIRE

Cheng-Ru Wu; Chin-Tsai Lin; Pei-Hsuan Tsai

2008-01-01

Problem Statement: There are four main banking business sectors in Taiwan, involving the areas of consumer, corporate, wealth management, and investment banking. The wealth management banking sector is actively promoted for reaping a risk-free premium. In the proposed model, the dimensions of financial services for wealth management banks have been taken from four perspectives derived from balanced scorecard approach, viz. finance, customer, internal business, learning and growth. Approach: T...

PRACTICAL METHODS OF BANKING MANAGEMENT – APPLICATION IN PRACTICE

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Bodretskiy M.

2018-03-01

Full Text Available Introduction. The article presents the latest trends in the development of banking management in Ukraine. Purpose. The research is aimed at the study of practical methods of banking institutions management in Ukraine. Results. The results of the research, which prove the determination by most banks of such management methods based on the principles of minimizing operating costs of a banking institution, are proved. The main areas of such a minimization, most banks identified: the involvement of inexperienced staff, increase the level of automation of banking processes, increasing attention to non-price methods of attracting customers. A classification of non-price methods of attracting customers is made. The use of mathematical tools for determining the quality of management by a banking institution is proposed. The article states that in order to prevent the manifestations of crisis phenomena in a banking institution (predictors of which may be: the emergence of a negative spread, loss-making activity of the bank, etc. it is necessary to have an optimal, economically sound portfolio of practical management methods that can be practically useful for execution on operational and tactical level of managerial decisions of banking management. The article contains the results of the survey of specialists and scientists who took part in the scientific and practical conference “Anti-crisis management of economy and finances”, held in 2017. The main areas of work of the mentioned conference were: search of ways of overcoming of crisis phenomena in economy and finances of Ukraine; definition of strategic aspects of the development of the financial system of the state in the context of the growth of the negative consequences of the growth of tension in international and economic relations; definition of fiscal policy of Ukraine and the impact of its quality on the quality of the banking system in the conditions of stagnation of financial markets, etc

THE ROLE OF THE BANKING SYSTEM IN THE SUSTAINABLE DEVELOPMENT OF THE ECONOMY

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IMOLA DRIGĂ

2006-12-01

Full Text Available The efficiency of the banking system and financial markets represents a determinant factor for sustainable development. Thus, banks are essential for any modern economy, not only because of their turnovers but also because they provide a number of important functions for the national economy, being the main financier.

Managing Climate Risk. Integrating Adaptation into World Bank Group Operations

International Nuclear Information System (INIS)

Van Aalst, M.

2006-08-01

climate conditions. There are several ways in which the World Bank Group can continue helping its clients better manage climate risks to poverty reduction and sustainable development: Integrating climate risk management into the project cycle, by adopting early risk identification (for instance by applying a quick and simple risk-screening tool) and following up throughout the design process if necessary. Integrating climate risk management into country and sector dialogues, especially in countries and sectors that are particularly vulnerable. Enhancing internal support for and coordination of climate risk management by, for example, expanding analytical work and capacity for cross-support by the Global Climate Change Team and the Hazard Management Unit of the World Bank and by actively developing climate risk management activities within regional departments. Supporting the establishment of proper financing mechanisms for adaptation, using, for example, the Investment Framework for Clean Energy and Development. New funding mechanisms created under the United Nations Framework Convention on Climate Change (UNFCCC) and being made operational by the Global Environment Facility (GEF), as well as the Kyoto Protocol, should be used to leverage maximum adaptation results within the Bank's broad range of development activities and investments. By enhancing climate risk management, the World Bank Group will be able to address the growing risks from climate change and, at the same time, make current development investments more resilient to climate variability and extreme weather events. In that way, climate risk management will not only guard the Bank's investments in a changing climate but will also improve the impact of development efforts right now.

GLOBALIZATION AND ITS EFFECTS ON THE BANKING MANAGEMENT

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Drăgan (Sântămărian Oana Raluca

2012-12-01

Full Text Available This paper describes one of the major challenges of the present: globalization and its effects on the banking. Globalization is now increasingly recognized as central to the growth of market economies. For the banking sector, this represents both a demand as well as a new landscape of business opportunity.Several years ago, the main part of the banks did not consider the globalization problems relevant for their operations. Recently, the banks began to realize the major impact of the globalization over the way of creating the banking risk in the future. The banking management in the context of globalization represents one of the challengesof these days. Starting from literature in the globalization field in this paper focuses on several relevant issues related to banking management.

The influence of bank employees on bank customer relationship management

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C. Rootman

2007-12-01

Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

Liquidity Risk and its Management in Lithuanian Banking System

Directory of Open Access Journals (Sweden)

Erika Bareikaitė

2014-04-01

Full Text Available Banks are the main part of financial sector in each economy and strength of banking system becomes vital for ensuringfavourable economic stability and growth. Recent failure of two commercial banks in Lithuania showed that managershaven’t evaluated liquidity risk or haven’t dealt with it properly. The tasks of the paper are to investigate Lithuanian banksposition towards liquidity risk, analyse what kind of management tools banks use for ensuring favourable position towardsliquidity and to explore the liquidity influence to profitability in Lithuanian banking sector. The article examines liquidity andits management processes in Lithuanian banking sector. Description of liquidity importance is presented. Liquidity risk and itsmeasurement as well as the ways of managing the above mentioned risk is analysed in the article. In order to analyse the relationshipbetween liquidity risk and profitability of banks, analysis of scientific literature, research synthesis and generalizationshave been made.

Customer relationship management activities in e-banking:the case of Iranain banks

OpenAIRE

Keramati, Abbas; Salehi-Sangari, Esmail; Farshid, Mana; Toufighi Zavareh, Javad

2009-01-01

The aim of this research is to investigate customer relationship management (CRM) activities in e-banking among Iranian banks. These banks are already adopting CRM and approaching it differently, and achieving different rates of success in terms of customer satisfaction and CRM. A comparative approach of their attitudes toward CRM, therefore, will reveal important insights. Following similar approaches researchers have employed in Europe, Pakistan, Malaysia, the UK and Ireland, we investigate...

Stress Testing as a Tool of Bank Risk Management

Directory of Open Access Journals (Sweden)

Antonyuk Oksana I.

2013-12-01

Full Text Available The goal of the article is development of theoretical, methodological and practical recommendations on the use of stress testing by Ukrainian commercial banks. Stress testing is defined as a part of bank risk management on the basis of scientific studies of domestic and foreign scientists. The article marks the essence of the bank stress testing and identifies its role in the structure of banks’ risk management in Ukraine. It considers goals of conducting stress testing in banking institutions. It identifies main aspects and specific features of conducting stress testing of bank risks. It characterises main advantages and shortcomings of use of stress testing in the modern bank risk management. It generalises the world and European approaches to the methods of conducting stress testing in commercial banks in comparison with the Ukrainian methodical recommendations. It shows that results of stress testing have practical value, since they help to preliminary assess influence of potentially negative events upon the state of the loan portfolio of the bank and make relevant managerial decisions.

12 CFR 615.5180 - Interest rate risk management by banks-general.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Interest rate risk management by banks-general... FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Risk Assessment and Management § 615.5180 Interest rate risk management by banks—general. The board of directors of each Farm Credit Bank...

CUSTOMER RELATIONSHIP MANAGEMENT: CONCEPT AND IMPORTANCE FOR BANKING SECTOR

Directory of Open Access Journals (Sweden)

Marko Laketa

2015-12-01

Full Text Available Customer Relationship Management concept is tendency of banking sector to establish and maintain long-term relationships with customers in order to provide value for customers and banks. This concept allows bank to identify, segment, communicate and build long-term relationships with customers on individual basis. In today's business environment, banks have aim to identify customers and to adjust offer to meet customer`s needs, in order to maximize profits. Using modern technologies, Customer Relationship Management is becoming a method to maintain existing structure and development of high quality customer base. It involves development of marketing strategy through a better understanding of the entire customer base, understanding needs and attitudes of customers, as well as more efficient consideration of profitability and added value that each customer have for the bank. The aim of research, presented in this paper, is to assess to benefits of introducing Customer Relationship Management concept in banking sector, by defining strategies, adjustment of organizational structure, culture and internal processes with help of modern technology. The paper presents methods of measuring success of Customer Relationship Management concept and problems which banks have when implementing a new business philosophy.

Methodical Approaches to Risk Management in a Regional Commercial Bank

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Elena Vladimirovna Altukhova

2016-03-01

Full Text Available The article presents the results of the research of the methodological and information infrastructure of the integrated risk management in a regional commercial bank. Within the study of the general development tendencies of the regional banking services market, the most significant risks for a regional bank are revealed. The analysis is carried out on the basis of the stress testing technique developed at the Plekhanov Russian University of Economics. It is based on a technique of dynamic economic and mathematical modeling with the application of information technologies. The created combination of the methodological and instrumental tools allows to carry out the dynamic scenario analysis of the activity of a commercial bank for the identification of potential risks and for the development of the strategy of financial management reducing the potential risks and leveling the consequences of their realization. The received tool allows during the computer test to watch the predicted dynamics of the condition of the key indicators of the activity of a regional commercial bank changing under the influence of the exogenous regulatory measures and instruments of bank management applied to decrease risk and at the same time to introduce adjustments in the perspective strategy of management. As the result of the analysis, the universal management model of the main bank risks in a regional commercial bank within three alternative scenarios is created. The software product allowing to develop and acquire the practical skills of the students in banking is developed. It also may help to develop the methodological support for the regulation of the organizational procedures of risk management in a regional commercial bank. The received software product may be used in a system of the improving the professional skills, and also for obtaining the expected data in a risk management system in a regional commercial bank.

FINANCIAL RISK MANAGEMENT IN TRADE BANKS

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Ms. Tamara Ye. Kononenko

2016-09-01

Full Text Available The paper clarifies the concepts of «risk», «financial risk» in banking business, and considers the main problems of financial risk management in trade banks while financing borrowers. The authors single out the most relevant problems, and conduct the analysis of overdue payment in case of OJSC “Sberbank of Russia”. The authors also offer a number of measures to minimize financial risks in trade bank activities in modern conditions.

The model of asset management of commercial banks

OpenAIRE

Shaymardanov, Shakhzod; Nuriddinov, Sadriddin; Mamadaliev, Donierbek; Murodkhonov, Mukhammad

2018-01-01

The main objective of the commercial bank's policy in the sphere of asset and liability management is to maintain the optimal structure of assets and liabilities, ensure the compliance of amounts, terms and currency of attracting and allocating resources. The objectives and principles of asset and liability management are based on the bank's strategy and the fundamental principles of the risk management policy.

Principles for a Code of Conduct for the Management and Sustainable Use of Mangrove Ecosystems

DEFF Research Database (Denmark)

Macintosh, Donald; Nielsen, Thomas; Zweig, Ronald

mangrove forest ecosystems worldwide, the World Bank commissioned a study with the title "Mainstreaming conservation of coastal biodiversity through formulation of a generic Code of Conduct for Sustainable Management of Mangrove Forest Ecosystems". Formulation of these Principles for a Code of Conduct...... and the sustainable use of mangrove resources. It recommends key legislation and enforcement mechanisms (e.g. governmental and/or community based) considered necessary to ensure the effective conservation, protection and sustainable use of mangroves. The Principles for a Code of Conduct for mangroves was prepared......, Africa, and Central and South America. These workshops provided an opportunity to seek expert advice regarding practical examples of sound mangrove management, or problems for management, from each region, and to illustrate them in the working document. A peer review workshop was held in Washington...

Mobile Banking: a Customer Relationship Management (Crm) Channel

OpenAIRE

Budiardjo, Eko K; Aprillovi, Dewi

2009-01-01

Meningkatnya pengguna handphone mendorong bank meluncurkan produk-produk layanan perbankan melalui handphone yang dikenal dengan sebutan Mobile Banking (M-Banking). Dalam konteks Customer Relationship Management (CRM), kehadiran M-Banking juga memberikan kontribusi dalam meningkatkan dan mempertahankan kesetiaan pelanggan. Strategi sukses membangun CRM sangat dipengaruhi oleh kepandaian tim pemasaran dalam memahami perilaku dan kebutuhan pelanggan, yang dapat diterjemahkan kedalam kelompok tr...

Organizational provision of management of bank financial and economic activities

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O.V. Lysenok

2018-04-01

Full Text Available The article deals with the organizational support of the process of management of financial and economic activities of banking institutions. In particular, the activity of one of the main divisions of the Treasury Bank, which is created and acts as an independent unit, justifies the decision to make certain financial transactions on the relevant financial markets and manages cash flows through interaction with branches, departments and offices of the banking institution. The article also focuses on the problem of the lack of accurate and up-to-date information between the structural units that take part in the management of the finances of the banking institution. In connection with this, it is necessary to create an information and management field of the bank, which is a collection of organized information input and output flows on the financial and economic activities of the bank, forming a unified management information about the financial activities of the banking institution. The article also focuses on the concept of the creation of an informational and managerial tree, according to which, in the structure of management of financial and economic activity of a banking institution, it is necessary to allocate five levels, based on which the principle of obligatory passage of necessary information at all levels with a gradual systematization and generalization. The concept considered in the article gives an idea of the logic and methodology of creating the process of forming general managerial decisions regarding the financial and economic activity of the bank in the future.

Financial Crisis and Changes in Management Controls in Banks

DEFF Research Database (Denmark)

Rikhardsson, Pall; Rohde, Carsten; Christensen, Leif

requirements. Risk management, compliance and internal auditing were relatively mature processes in the Danish banks before the crisis, and the adjustments required to adapt to changed compliance requirements were less extensive. Management controls in general seem to play a critical role in responding......The financial crisis of 2008 hit banks in Iceland and Denmark with different intensity. There was a difference in how management controls changed in response to the crisis. Icelandic banks redefined cultural controls, introducing new values as a “clean break” with the banks’ pre-2008 practices....... They formalised their risk management, compliance and internal auditing practices, and hired more employees to perform these functions. Further, they strengthened and formalised their policies and procedures to ensure consistent practices. The Danish banks adapted their administrative controls to new regulatory...

Records management and risk management at Kenya Commercial Bank Limited, Nairobi

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Cleophas Ambira

2011-03-01

Full Text Available Background: This paper reported empirical research findings of an MPhil in Information Sciences (Records and Archives Management study conducted at Moi University in Eldoret, Kenya between September 2007 and July 2009.Objectives: The aim of the study was to investigate records management and risk management at Kenya Commercial Bank (KCB Ltd, in the Nairobi area and propose recommendations to enhance the functions of records and risk management at KCB. The specific objectives of the study were to, (1 establish the nature and type of risks to which KCB is exposed, (2 conduct business process analysis and identify the records generated by KCB, (3 establish the extent to which records management is emphasised within KCB as a tool to managing risk, (4 identify which vital records of KCB need protection because of their nature and value to the bank and (5 make recommendations to enhance current records management practices to support the function of risk management in KCB.Method: The study was qualitative. Data were collected through face-to-face interviews. The theoretical framework of the study involved triangulation of the records continuum model by Frank Upward (1980 and the integrated risk management model by the Government of Canada (2000.Results: The key findings of the study were, (1 KCB is exposed to a wide range of risks by virtue of its business, (2 KCB generates a lot of records in the course of its business activities and (3 there are inadequate records management practices and systems, the lack of which undermines the risk management function.Conclusion: The findings of this study have revealed the need to strengthen records management as a critical success factor in risk mitigation within KCB and, by extension, the Kenyan banking industry. A records management model was proposed to guide the management of records within an enterprise-wide risk management framework in the bank.

Characteristics of the First Human Milk Bank in Taiwan

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Fang-Yuan Chang

2013-02-01

Conclusion: Proper management and operation of a human milk bank can support breastfeeding, and provide a safe alternative to artificial formula for feeding preterm or ill infants in Taiwan. Sustainability of the milk bank needs more propagation and financial support by health authorities.

Sustainable Facilities Management

DEFF Research Database (Denmark)

Nielsen, Susanne Balslev; Elle, Morten; Hoffmann, Birgitte

2004-01-01

The Danish public housing sector has more than 20 years of experience with sustainable facilities management based on user involvement. The paper outlines this development in a historical perspective and gives an analysis of different approaches to sustainable facilities management. The focus...... is on the housing departments and strateies for the management of the use of resources. The research methods used are case studies based on interviews in addition to literature studies. The paper explores lessons to be learned about sustainable facilities management in general, and points to a need for new...

Sustainable flood risk management – What is sustainable?

DEFF Research Database (Denmark)

Sørup, Hjalte Jomo Danielsen; Brudler, Sarah; Lerer, Sara Maria

2016-01-01

Sustainable flood risk management has to be achieved since flood protection is a fundamental societal service that we must deliver. Based on the discourse within the fields of risk management and sustainable urban water management, we discuss the necessity of assessing the sustainability of flood...... risk management, and propose an evaluation framework for doing so. We argue that it is necessary to include quantitative sustainability measures in flood risk management in order to exclude unsustainable solutions. Furthermore, we use the concept of absolute sustainability to discuss the prospects...... of maintaining current service levels without compromising future generation’s entitlement of services. Discussions on the sustainability of different overall flood risk schemes must take place. Fundamental changes in the approaches will require fundamental changes in the mind-sets of practitioners as well...

Change Management and Capacity Building for Regional Banking ...

African Journals Online (AJOL)

From the regulatory authorities led by the Central Bank of Nigeria (CBN), to each of the 25 banks that emerged, the successful conclusion of the first phase of banking reforms demonstrates a level of change management capacity deemed vital in successful corporate transformation. However, to successfully position ...

Bulgarian banking: looking for sustainability

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Garabed Minassian

2013-10-01

Full Text Available In this work, we trace and analyze the emergence of the crisis in the Bulgarian banking system as well as the behavior of the central bank and other macroeconomic institutions. The average annual rate of growth in the net profits of the commercial banks for the period 2002-2008 amounted to 31.6%, which encouraged and accounted for the increase in credits. After 2008, the pendulum began to swing back as the difficulties in collecting loan repayments increased, the strain in financial balances tightened and assistance and support from the regulators were requested. The level of the financial and operating income was maintained primarily because of the high interest rates on the loans, but the structure of their distribution shifted substantially. Administrative costs and depreciation were nearly frozen up, and impairment and provisions grew at the expense of profit. This work shows that macroeconomic policies allowed the expansion of the lending boom and encouraged its irrational development. Poor operation and poor quality of the institutions not only allowed but also enabled direction of investments to financing of inefficient production structures. Underestimating the negative consequences shoring up a dysfunctional institutional environment is deemed a form of irrationality; however, not one of the immediate economic players acted to override the economic and political environment. The financial and economic crisis currently affecting the country has its roots in the deficiencies of the domestic macroeconomic policies, and therefore, the efforts toward overcoming these failures should be directed at improved domestic macroeconomic management.

MODERN THEORETICAL APPROACHES CREDIT PORTFOLIO QUALITY MANAGEMENT OF COMMERCIAL BANK

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Victoria Lisnic

2016-12-01

Full Text Available Credit portfolio management means the totality of financial and economic decisions realization aimed at achieving optimal ratio of performance indicators of loan portfolio. If low-quality loans increase, the reduction of productive assets volume and, respectively, profitability from banking lending. In extreme cases a such situation could lead to bank bankruptcy. At present bank loan portfolio quality assessment is an important component of bank management.

Liquidity and Transparency in Bank Risk Management

OpenAIRE

Lev Ratnovski

2013-01-01

Banks may be unable to refinance short-term liabilities in case of solvency concerns. To manage this risk, banks can accumulate a buffer of liquid assets, or strengthen transparency to communicate solvency. While a liquidity buffer provides complete insurance against small shocks, transparency covers also large shocks but imperfectly. Due to leverage, an unregulated bank may choose insufficient liquidity buffers and transparency. The regulatory response is constained: while liquidity buffers ...

IT Security Management Implementation Model in Iranian Bank Industry

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Mona Vanaki

2017-06-01

Full Text Available According to the complexity and differences between Iranian banks and other developed countries the appropriate actions to implement effective security management of information technology have not been taken. The aim of this study was to create a powerful model by selecting the appropriate security controls to protect information assets in the bank. In this model, at first the principle set fort in ISO standard 27001, was extracted and then by further studies derived from best practices carried out in the world on the related subject from 2008 to 2016 using a qualitative descriptive method, points comply with information security management in the banking industry were added to it. With the study of Iranian banks in dealing with IT security management system and with help of action research tools, provisions which prevent the actual implementation of this standard was removed and finally a conceptual model with operating instructions and considering all the principles of information security management standard, as well as banking institutions focusing on the characteristics of Iran was proposed.

Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

Science.gov (United States)

Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

2015-01-01

Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies. Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts). 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A) to the most selective (scenario D). We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit. When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted) along with the highest financial deficit (USD 5.89 million). We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million) that charities and public health could realistically finance over the long term. We also found that

Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks

Science.gov (United States)

Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

2015-01-01

Background Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies. Methods Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts). 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A) to the most selective (scenario D). We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit. Results When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted) along with the highest financial deficit (USD 5.89 million). We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million) that charities and public health could realistically finance over the long

Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

Directory of Open Access Journals (Sweden)

Jeremy Magalon

Full Text Available Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies.Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts. 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A to the most selective (scenario D. We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit.When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted along with the highest financial deficit (USD 5.89 million. We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million that charities and public health could realistically finance over the long term. We also

Computer Based Asset Management System For Commercial Banks

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Amanze

2015-08-01

Full Text Available ABSTRACT The Computer-based Asset Management System is a web-based system. It allows commercial banks to keep track of their assets. The most advantages of this system are the effective management of asset by keeping records of the asset and retrieval of information. In this research I gather the information to define the requirements of the new application and look at factors how commercial banks managed their asset.

Improvement of the system of management of business processes of the bank

Directory of Open Access Journals (Sweden)

Pereverzev Pavel Petrovich

2013-07-01

Full Text Available The aim is to develop a scientific - methodological and scientific - methodological issues of the effective technologies for managing business processes of the bank. It is shown that the development and implementation of detailed functional models of management for all business processes of the bank, establishing a structural relationship between the functions of planning, organizing, recording, monitoring, analysis, management and improvement of the business process management object, and development of additional management information systems, will significantly increase the level of automation of the bank, to improve the existing banking information system and improve the competitiveness of the bank.

Managing Sustainability in Management Education

DEFF Research Database (Denmark)

Lystbæk, Christian Tang

2014-01-01

Sustainability has until relatively recently been seen as irrelevant to business practice and, hence, has been largely missing from management education. But, environmental issues are increasingly becoming a key business concern at local, national, international and global levels. This conceptual...... paper addresses the question: How can sustainability be addresses within management education? It engages in a critical discussion of traditional models for teaching sustainability and Corporate Social Responsibility (CSR) in order to develop an advanced framework that addresses the limitations...... concerning trade-offs and complexity. Thus, the paper proposes an approach to sustainability in management education which help to initiate such critical reflection and discussion by drawing attention to the complex network of relations in which a given business or industry is embedded....

Shadow banking, relationship banking, and the economics of depression

Directory of Open Access Journals (Sweden)

Antonio Bianco

2015-12-01

Full Text Available The paper explores whether a theory of banks doing ‘finance through money creation’ implies a reconsideration of demand-side macro theory as well. To this aim, a simple methodological accounting model of the influence of financial markets over the real economy is presented. The model allows a tidy comparison of relationship and shadow banking, interpreted as alternative schemes of liquidity (not credit risk management. The model emphasizes the interdependencies in entrepreneurs’ animal spirits, liquidity risk management schemes adopted by financial institutions, and effective demand of households. The underlying idea is that fluctuations in the composition of property incomes trigger fluctuations in non-financial investment that, in turn, drive fluctuations in spending. The article finds that both relationship and shadow banking must have a pro-cyclical impact, and differences are essentially based on different liquidity risk management aggregate cost functions. The model developed here suggests that securitisation does not per se affect the financial sustainability of the growth process, but regulatory measures aimed at checking predatory lending and re-securitisation activities are needed to avoid possible adverse impacts on animal spirits. JEL codes: E44, G20, O16.

Risk Management in the banking and insurance sector

Directory of Open Access Journals (Sweden)

Ibrahim Mala

2018-03-01

Full Text Available Risk management is becoming an integral part of every organization, especially for the banking and Insurance sector because of their high-risk business. Both sectors try to manage the risks of their clients and their own risks. But, challenges in the banking and insurance industry are frequently influenced by the liquidity rations and the amount and quality of capital as ground requirements for risk management. The risk exposure in recent times is becoming more complex, more dynamic and diverse. Hence, we need to understand the risks which can be taken and the risks which should be avoided. In the other side insurance policies are long term, enabling insurers to stabilize the financial system and oft en insurance is the final transfer of risk. In this paper we will analyze an overview of risk management in the banking and insurance sector.

Future climate change challenges to sustainable forest management in the Zambezi basin

CSIR Research Space (South Africa)

Muchuru, S

2015-09-01

Full Text Available in the drive towards sustainable forest management. Africa should strive towards continued democratization, good governance, regional cooperation and integration to harness the huge opportunities in the forest sector. Bibliography African Development Bank... forestry: a few observed trends and issues to watch Godwin Kowero opinion piece Africa’s institutional capacity to manage its forests August B. Temu a donoR’s peRspecTiVe on FoResT secToR deVelopMenT in aFRica: The case of Finnish development aid Vesa...

International and Russian practice of banking risk-management. Mortgage risks

Directory of Open Access Journals (Sweden)

A. V. Nikolaeva

2016-01-01

Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk-management

An Application Relating To Credit Risk and Credit Risk Management in Tu rkish Banking System: The Case of Turkey Garanti Bank

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Seyhan Çil Koçyiğit

2014-09-01

Full Text Available Within the globalization process of the world, at the competitive area arised as a result of the rapid increase in the number of banks and their branches in developing countries, the vigorously existance of banks depend on the management of the risks faced successfully. Banks must establish their credit strategies onto a good risk managment. Indeed, it is the inevitable fact that the success of financial institutions depends on having a powerful risk management system. In this study, by using the banking ratios, it is aimed to investigate the credit-risk changes of Turkish Garanti Bank (S.C. by three-month periods of 2007–2012 and give information about the risk management of Turkish Garanti Bank (S.C.. In conclusion, it is seen that, at Turkish Garanti Bank (S.C., credit risk is measured and evaluated in accordance with international standards, and all risk management is executing in parallel with Basel II regulations.

Urgensi Penerapan Celestial Management Bagi Sumber Daya Manusia Di Bank Syariah

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Trimulato Trimulato

2016-05-01

Full Text Available Abstract: Islamic banking currently has a strong legal law with the presence of the law number 21 of 2008 on banking syari'ah.Hal This adversely affects the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank continues to grow and continue to open office services in various areas. Thus iru development of Islamic banks must be matched with adequate resources and qualified. Noted labor in Islamic banks continued to grow, from November 2014 to November 2015 grew to 23.51%. Not only the quantity but the quality should also be considered, it takes a celestial concept should be applied for the Management of human resources in Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on the human resources that exist in the Islamic bank. The need for the application of celestial management for human resources in the bank syariahi. The results of this paper that the human resources in Islamic banks is growing, then the need for the application of celestial management for human resources in Islamic banks to create good quality. Because the Islamic bank is an institution whose business is inseparable from the rule of religion or spiritual aspect. Abstrak: Perbankan syari’ah saat ini telah memiliki payung hukum yang kuat dengan hadirnya undang-undang nomor 21 tahun 2008 tentang perbankan syari’ah.Hal ini sangat berpengaruh terhadap eksistensi dari perbankan syari’ah yang semakin diminati oleh banyak kalangan. Bank syari’ah terus berkembang dan terus membuka layanan kantor di berbagai daerah. Maka dari iru perkembangan bank syariah harus diimbangi dengan sumber daya yang mencukupi dan berkualitas. Tercatat tenaga kerja di bank syariah terus bertambah, dari November 2014 sampai November 2015 mengalami pertumbuhan hingga 23,51%. Tidak hanya dari kuantitas tapi kualitas juga harus diperhatikan, dibutuhkan sebuah konsep celestial manajement yang harus diterapkan bagi sumber daya manusia

Information and Communication Technologies Management and Nigerian Banking Sector Liquidity

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2017-09-01

Full Text Available The study sought to explore the relationship between ICTs management and NBS liquidity. ICTs management helps the business to effect proper planning, coordinating, controlling and decision-making. Liquidity is important for banks to meet the demands of customers and a means of public confidence. The Internet connectivity in the NBS discouraged incentives for manipulations and other inefficiencies that characterized the paper and pen banking of the pre-reform era. The e-FASS approach and heavy investments and application of quality ICTs management by banks restored national and international confidence in the NBS which in a great measure, helped to lure back capital and liquidity into the system. Previous studies have found positive relationship between ICTs management and business productivity, bank profitability and economic growth. Through theoretical and empirical results this study found a high positive relationship between ICTs management and NBS liquidity.

Bank liquidity risk management: A South African survey to determine future change

Directory of Open Access Journals (Sweden)

S. Claassen

2012-09-01

Full Text Available In 2008 the global financial system and, more particularly, the world banking system suffered a financial crisis worse than any earlier crises. The financial crunch brought to light that liquidity risk management in banks poses a problem, and that the world’s financial institutions will have to change their current practices as it relates to this risk. Apart from the importance of liquidity and the risk that it may cause, the integrated nature of all risks made banks more aware of the fact that none of these risks can be managed in isolation. For various reasons, South African banks were not as exposed to the problems experienced in the global context. However, SA banks may have learned new lessons from the crisis and may plan to change the way they manage liquidity risk in particular, in the future. In order to determine how SA banks perceive liquidity management and liquidity risk, a survey of all SA banks was carried out. The majority of respondents indicated that the financial crisis reminded them of the importance of liquidity risk management in the South African banking system as well as the global banking system. The majority of banks rate all the liquidity risk management tools as extremely important and rate corporate governance, strategy, policy and risk tolerance, liquidity risk measurement and intra-day liquidity as their number one priority. Basel III is generally perceived as being effective, but 30% of respondents perceived it as neither effective nor ineffective, because South African banks already have similar measures in place

Investment in sustainable electricity production by Dutch banks. A case study for the Fair Bank Guide; Investeringen in duurzame elektriciteitsopwekking door Nederlandse banken. Een onderzoeksrapport voor de Eerlijke Bankwijzer

Energy Technology Data Exchange (ETDEWEB)

Van Gelder, J.W.; Kouwenhoven, D.

2010-05-15

This report contains the results of the second case study commissioned by the Fair Bank Guide on the financing practices of twelve investigated banks in the Netherlands. It has been examined which part of the investments in electricity generation by Dutch banks involves electricity generation from sustainable sources (sustainable electricity generation) [Dutch] Dit rapport bevat de resultaten van het tweede onderzoek in opdracht van de Eerlijke Bankwijzer naar de financieringspraktijk van twaalf onderzochte banken in Nederland. Hiermee is in kaart gebracht welk deel van de investeringen in elektriciteitsopwekking door de Nederlandse banken, betrekking heeft op elektriciteitsopwekking met behulp van duurzame energiebronnen ('duurzame elektriciteitsopwekking')

Islamic and conventional bank market value: Manager behavior and investor sentiment

Directory of Open Access Journals (Sweden)

Mouna Abdelhedi-Zouch

2016-12-01

Full Text Available This paper studies the effect of bank manager behavior and investor behavior on market value of Islamic and conventional banks in the Middle East and North Africa region. Firstly, our analysis denoted the positive effect of discretionary behavior of manager on both types of banks on share prices since discretionary behavior transmits to investor a positive signal of future earnings’ prospects. Also, we find that the conventional bank stock prices response is very high to negative signal compared with positive signal. This result is explained by prospect theory and loss aversion bias which specified that individuals are more sensitive to losses than gains of same magnitude. In particular, we discover that the negative effect of non-discretionary behavior is much lower on Islamic bank value since investors give more confidence to Islamic bank because they are motivated by the idea that Islamic banks are safer than conventional banks. Secondly, the results show that investor sentiment affects significantly both bank market prices. Thus, both Islamic and conventional banks’ market value depends similarly on manager and investor behavior. The implication of this paper is that Islamic bank concentrations reveal a positive effect on their price values because of the recently increased investments in Islamic banks.

A Behavioural Approach to Effective Management in Nigerian Banks ...

African Journals Online (AJOL)

Emphasis of this paper is, however, on the behavioural issues, that affect bank management. These issues include mismanagement, ownership structure and bank board related problems, frauds and forgeries, and also the greed and ignorance of depositors. The period covered was 1986-1993, while reforms in the banks ...

THE ROLE OF EUROPEAN BANK FOR RECONSTRUCTION AND DEVELOPMENT IN PROMOTING ENVIRONMENTALLY SOUND AND SUSTAINABLE DEVELOPMENT

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CONSTANTIN BRĂGARU

2013-05-01

Full Text Available One of the most important development banks which finances private initiatives in the Central and Eastern Europe countries is the European Bank for Reconstruction and Development (EBRD. EBRD as international financial institution plays a very important role in the development of many sectors such as agribusiness, energy efficiency, financial institutions, manufacturing, municipal and environmental infrastructure, natural resources, power and energy, property and tourism, telecommunications, information technology and media, transport. Its objectives aim to promote transition to market economies by investing mainly in the private sector, to mobilize significant foreign direct investment, to support privatization, restructuring and better municipal services to improve people’s lives and to encourage environmentally sound and sustainable development. The present scientific article focuses on the last objective respectively the bank commitment to promote environmentally sound and sustainable development and shortly presents EBRD environmental policy because EBRD, unlike other development banks, has strong and imperative regulations regarding this issue. This is why all the EBRD potential beneficiaries must prove that their projects are environmentally sound.

The evolution of international policies and mechanisms to advance sustainable forest management and mitigate global climate change

International Nuclear Information System (INIS)

Bologna, J.; Lyke, J.; Theophile, K.

1995-01-01

Scientific findings regarding global climate change and deforestation led industrialized nations to bring both issues to the forefront of an international dialogue on the environment. International institutional attention to deforestation began in 1985 with the Tropical Forestry Action Program which helped countries develop plans for sustainable forest management. A few years later, the International Tropical Timber Organization, though designed to facilitate tropical timber trade, adopted guidelines for sustainable management of tropical production forests. Next, the activities before and after UNCED established a general set of forest principles and regional efforts to define sustainable forest management. The World Bank has also sought to reduce past lending failures that led to deforestation and other environmental degradation, through programmatic redirections and macro-economic policy reforms. Finally, through innovative financial incentives, industrialized and developing countries are identifying opportunities to offset debts and increase economic development without depleting forest resources. Collectively, these efforts have let to some trends that support sustainable forest management and mitigate climate change. The upcoming years will see a proactive set of multilateral programs to address deforestation, an increasing link between trade and the environment, and more uses of financial incentives to encourage sustainable forest management

Strategic management accounting and decision making: A survey of the Nigerian Banks

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Collins S. Oboh

2017-12-01

Full Text Available This paper attempts an empirical examination of the practicality of strategic management accounting (SMA adoption in banks in Nigeria, a developing country. It investigates the extent of practice and contributions of SMA to strategic decision making. Survey data were obtained from 71 bank managers across 20 registered banks in Nigeria. Simple regression estimation technique and Pearson Chi-square test were used for data analysis. The results suggest that SMA is distinct in its features and orientation towards the practice of management accounting. The study found out that banks in Nigeria practice SMA; not as a concept, but as a principle of operation, and that SMA contributes significantly to strategic decision making in the area of competitive advantage and increased market share. The study offers value for banks in other developing economies in that it supports the argument that they can benefit from SMA adoption as part of banking strategies. Keywords: Strategic management accounting, Decision making, Market share, Banks, Nigeria

Managing Bad Loans of Domestic Banks under Modern Economic Conditions

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Bolhar Tetyana M.

2014-01-01

Full Text Available The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of their conduct and identifies advantages and shortcomings of their application both for a bank and a borrower. Prospect of further studies in this direction is improvement of methods of assessment of bad loans, in particular, development of methodological approaches to identification of assessment of profitability of bad loans as an important element of the system of management of bad loans of a bank.

Principles and practices of sustainable water management

Institute of Scientific and Technical Information of China (English)

Bixia Xu

2010-01-01

Literature related to sustainable water management is reviewed to illustrate the relationship among water management, sustainability (sustainable development), and sustainable water management. This review begins with the explanation on the definition of sustainable water management, followed by a discussion of sustainable water management principles and practices.

CREDIT RISK MANAGEMENT IN THE COMMERCIAL BANKS IN ROMANIA

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Mihaela SUDACEVSCHI

2014-04-01

Full Text Available Credit risk is one of the main risks faced by a bank. This kind of risk is generated by the crediting activity of the clients. To manage the credit risk, banks should identify the sources of the risk and to monitor their exposures. These activities mean a better knowledge of the existing and potential clients and their financial situations, by implementing new scoring methods. Also, to avoid the credit risk or to reduce losses, the banks could increase the value of guarantees required in regular credit activities, their periodically reassessment and the periodical analysis of the ability of customers to generate cash flows (for corporate clients and get constant income (for retail customers to provide repayment of credits. This paper aims to prevent and to analyze several measures of credit risk management and it assume that banks on the Romanian banking market and to identify some indices used for customers analysis.

20/30 Hindsight: cash management in local banks

NARCIS (Netherlands)

Peffer, Ron A.; Telgen, Jan

1986-01-01

Who would ever expect that a bank would complain about the number of calculations required to do anything, let alone cut down costs? Mr. Peffer and Dr. Telgen describe their experiences in implementing a cash management system for use by independent local banks; when they got that response—perhaps

A Blood Bank Information Management System

Science.gov (United States)

Farmer, James J.

1982-01-01

A computerized Blood Bank Management system is described. Features include product oriented data input, inventory control reports, product utilization reports, rapid retrieval of individual patient reports. Relative benefits of the system are discussed.

Optimization on the financial management of the bank with goal ...

African Journals Online (AJOL)

Financial management is crucial for planning bank's asset and liabilities while taking consideration for multiple objectives. The objective of this study is to develop a Goal Programming (GP) model to optimize the financial management of Public Bank Berhad in. Malaysia. Six goals from the financial statements namely total ...

CONSIDERATIONS REGARDING THE MANAGEMENT STRATEGIES OF BANK RISKS

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NICOLETA GEORGETA PANAIT

2015-12-01

Full Text Available The study summarizes what it means banking risks, the main risk management strategies. The complexity of the business environment, liberalization and internationalization of financial flows, brings rapid innovation, diversified financial markets, new opportunities but multiplied risks. Banks establish the types of risks they are prepared to take and the threshold at which risk is considered significant. The process of determining the risks that are taken includes the nature, the scale and the complexity of banks.

ANALYSIS OF HOW YOU MANAGE RISK IN THE BANK BANCPOST S.A.

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Rodica Pripoaie

2008-05-01

Full Text Available Risk management within Bancpost is a decentralized process guided by policies andprocedures laid down centrally. Within the bank there are five major organizational groups involved inthe process of risk management. These groups are responsible for defining, implementing and / orrevision of policies, regulations and procedures for risk management of the bank:1. Board of Directors;2. Executive Committee and heads of bank;3. The Risk Management;4. Internal Audit;5. Business units (branches, agencies, working points.

Managing sustainability in management education policy

DEFF Research Database (Denmark)

Lystbæk, Christian Tang

Sustainability with regards to environmental issues has until recently been seen as irrelevant to business and management practice and, consequently, has been largely missing from business and management education. But the last decades has seen increasingrecognition of environmental problems...... such as climate change and resource depletion. The main policy instruments used to promote sustainability have been regulation, market-based instruments and voluntary agreements, but in recent years, policies have started tofocus on education. Many different actors, such as business schools, businesses...... and governments, interact in shaping management education. These actors derive their conception of sustainability from a range of meanings, practices, and norms. Drawing on Connolly´s analytical framework regarding “essentially contested concepts” (1994), this paper interrogates management education policy...

Development of cash management products in Serbia and impact on the profitability of banks

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Barjaktarović Lidija

2014-01-01

Full Text Available Cash management products are in the function of promotion of the company's business, i.e. of liquidity management. The objective of this work is to determine the level of development of the Cash Management products in Serbia and their impact on the profitability and cost optimisation of a bank. Domestic banks established with foreign capital, primarily from Austria and Italy, were the first to introduce the initial contemporary Cash Management Products by the end of 2002, thanks to the development of electronic banking and relocation of the domestic payment transfers into the business banks. In addition, the analysis will show that banks with a clear focus on cooperation with the corporate clients are continuously developing this group of products in Serbia (Raiffeisen Bank, UniCredit Bank, Banca Intesa, Erste Bank. The research covers parallel presentation of development of the Cash Management products both of the domestic banks and their head offices abroad by the end of the year 2009 and the year 2012. The results of conducted research point out at the fact that the domestic banks established with the Italian capital (Banca Intesa and UniCredit Bank have taken over the leading role in the introduction of the new and more modern Cash Management products thanks to the good sector of information technology that is present in Serbia.

Sustainable Soil Management

DEFF Research Database (Denmark)

Green, Ole; Evgrafova, Alevtina; Kirkegaard Nielsen, Søren

Linket til højre henviser til rapporten i trykt format til download. This report provides an overview on new technologies for integrate sustainable and resilient management practices in arable ecosystems for advanced farmers, consultants, NGOs and policy makers. By following sustainable soil...... and soil quality in short- and long-terms. This report also illustrates the importance to combine a system approach for plant production by assessing field readiness, managing in-field traffic management, implementing the sitespecific controlled as well as sensor-controlled seedbed preparation, seeding...

Knowledge management and organizational innovativeness in Iranian banking industry

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Maryam Bidmeshgipour

2012-12-01

Full Text Available Knowledge management has changed its nature from theoretical concept to an instrument that assists innovativeness. The originality of this study lies in its purpose to explore issues of knowledge management and its relation to the innovativeness of organizations. The study focuses on three selected Iranian banks (in public and private sector, an industry and a setting that has received less attention by researches so far. This paper studies the effectiveness of managers’ mindset in leading or misleading the organizations to achieve organizational innovativeness through KM. Based on a questionnaire survey, the authors argue that applying knowledge management makes it simpler to achieve the innovativeness in organizations. What we found significant in this study is that employees, provided with appropriate training and mentoring opportunities to generate novel ideas, would create new services in banking. The mindset of bank managers about their human resources absorbs diversity of opinions and provides equal opportunity for all employees to present ideas.

Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers

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Perkins Ed-Zilla Daniel

2013-07-01

Full Text Available Internet usage in Ghana is on the increase and all indications points to the direction of the possibility of its application on online banking to be successful. However, online banking adoption that will lead to a cashless economy is facing doubts. This paper aimed at critically examining the factors that influence the adoption of online banking in Ghana. The study was based on TAM (Technology Acceptance Model, which has been used expansively in similar studies, a descriptive cross-sectional mixed-methodology approach was used. To generalize the findings the researchers used a multi case study approach to help find out the factors that influence online banking adoption. Data was analysed by using multiple Regression Analysis in SPSS to generate ANOVA results. The results showed that the original constructs of TAM i.e. Perceived Usefulness (PU, Perceived Ease of Use (PEOU as well as the extensions of government support, trust and security were all significant to customers’ intensions to adopt online banking. An implication for bank Managers is that they should concentrate on the promotion and advancement of the priceless paybacks that are gained from ‘Intended and Unintended Benefits’ such as lower transaction fees, high deposit rates among others which are realized from the usage online of banking linked to Perceived Usefulness

Critical Assessment of Banking Institutions in South Africa

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Bakam Fotso

2017-04-01

Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

Managing Sustainability in Fruit Production

OpenAIRE

Taragola, N.; Van Passel, S.; Zwiekhorst, W.

2012-01-01

As fruit growers are faced with a growing need for sustainable development, it is important to integrate sustainability into their management processes. This research applies and evaluates a self-analysis tool for entrepreneurs called the ‘sustainability scan’. The scan identifies 23 sustainability themes, divided according to the 3P-framework (People, Planet and Profit). In the scan, it is assumed that the management of these themes is at the core of sustainable entrepren...

The assessment of risk management system’s economic efficiency in retail banking

OpenAIRE

Cvilikas, Aurelijus; Paužuolis, Vaidas

2014-01-01

The banking risk management is always a relevant topic in financial sector’s academic literature, but the detailed analysis of current studies showed that there is a lack of studies in risk management’s economic efficiency assessment in retail banking, where the risk management system’s administration cost may be a significant part of total credit institution’s cost. The scientific problem of this article is: how the economic efficiency of retail banking risk management system could be ...

12 CFR 250.181 - Reports of change in control of bank management incident to a merger.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Reports of change in control of bank management... change in control of bank management incident to a merger. (a) A State member bank has inquired whether Pub. L. 88-593 (78 Stat. 940) requires reports of change in control of bank management in situations...

Business continuity management in Jordanian banks: Some cultural considerations

OpenAIRE

Sawalha, Ihab Hanna S; Anchor, J.R; Meaton, Julia

2012-01-01

This article investigates the extent to which the Jordanian banking\\ud sector uses Business Continuity Management (BCM) as a way to manage organizational\\ud risk, disasters and crises, as well as business interruptions. The population\\ud in this study consists of the 17 Jordanian banks registered with the Amman Stock\\ud Exchange. Data were collected via an interviewer-administered questionnaire. Eleven\\ud completed questionnaires were obtained, representing a response rate of 64.7 per\\ud cent...

Managing Bad Loans of Domestic Banks under Modern Economic Conditions

OpenAIRE

Bolhar Tetyana M.

2014-01-01

The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of ...

Management of bank risks in the system of internal financial monitoring

Directory of Open Access Journals (Sweden)

O.V. Lysenok

2015-09-01

Full Text Available Risk is an integral part of banking activities. That is why there are many researches on definition, measurement and monitoring of banking risks. Nowadays it is important to improve the risk management process of legalization (laundering of proceeds from crime or terrorist financing, especially in the present conditions of socio-economic development. This will improve the quality of financial monitoring in the country as a whole and will reduce the risk of attracting banks to laundering money from crime. The article reviews and examines modern management techniques and risk assessment of laundering proceeds from crime. The authors make suggestions to strengthen the tracking and detection of illegal schemes and appropriate approaches to «launder» criminal money. They also offer an appropriate model to manage the risks which accompany the process of laundering the proceeds from crime. According to the study carried out the authors provide their conclusions and recommendations to improve risk management in the system of internal financial monitoring of banks.

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

Biobanking sustainability--experiences of the Australian Breast Cancer Tissue Bank (ABCTB).

Science.gov (United States)

Carpenter, Jane E; Clarke, Christine L

2014-12-01

Sustainability of biorepositories is a key issue globally. This article is a description of the different strategies and mechanisms used by the Australian Breast Cancer Tissue Bank (ABCTB) in developing and operating the resource since its inception in 2005. ABCTB operates according to a hub and spoke model, with a central management hub that is responsible for overall management of the resource including financial, ethical, and legal processes, researcher applications for material, clinical follow-up, information/database activities, and security. A centralized processing laboratory also operates from the hub site where DNA and RNA extractions are performed, digital imaging of stained tumor sections occurs, and specimens are assembled for dispatch for research projects. ABCTB collection sites where donors are identified, consent obtained, and specimens collected and processed for initial storage are located across Australia. Each of the activities of the resource requires financial support and different sources of revenue, some of which are allocated to a specific function of the ABCTB. Different models are in use at different collection centers where local variations may exist and local financial support may sometimes be obtained. There is also significant in-kind support by clinics and diagnostic and research facilities that house the various activities of the resource. However, long-term financial commitment to ensure the survival of the resource is not in place, and forward planning of operations remains challenging under these circumstances.

Collaborative Management of Risks and Complexity in Banking Systems

Directory of Open Access Journals (Sweden)

Ion IVAN

2012-01-01

Full Text Available This paper describes types of risks encountered in banking systems and ways to prevent and eliminate them. Banking systems are presented in order to have a view on banking activities and processes that generates risks. The risks in banking processes are analyzed and the collaborative character of risk management is highlighted. A way to control the risk in banking systems through information security is described. Risks arise from system complexity, thus evaluation and comparison of different configurations are bases for improvements. The Halstead relative complexity function synthesizes system complexity from the point of view of the size of the variables analyzed and the heterogeneity between the variables. Section four was realized by Catalin SBORA.

PROBLEMS AND OBSTACLES IN CREDIT RISK MANAGEMENT IN INDIAN PUBLIC SECTOR BANKS

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RENU ARORA

2014-10-01

Full Text Available This paper evaluates the credit risk management (CRM practices of Indian public sector banks in grant of commercial loans to find the grey areas which need review and restructuring to improve banks’ asset quality. Based on literature review, a conceptual model of credit risk management systems for commercial loans, of Indian public sector banks, has been developed. This model has been used to underline the problems areas and obstacles in credit risk management through comparison of large and small banks. The empirical comparison of CRM practices of Indian public sector banks has resulted into emergence of various grey areas, like insufficient training, data management, inappropriate IT support, system disintegration, inconsistent rating approaches, which need immediate attention and if tackled properly, can reduce their non-performing assets.

Credit Risk Management. A study on risk integration in the bank lending process.

NARCIS (Netherlands)

Sleddens, Linda Elsa Wilhelmina

2011-01-01

Credit risk management has been a topic much written about in the last decade. Substantial credit risk losses can undermine the stability of the bank. Both banks and national bank supervisors have realized the need to invest in credit risk management. Partly driven by regulations such as the Basel

ASSESSMENT OF BANKING ASSETS ON FINANCIAL RISK MANAGEMENT - ALBANIAN CASE

Directory of Open Access Journals (Sweden)

ADRIATIK KOTORRI

2014-02-01

Full Text Available Recognizing the asset value dynamics volatility of the financial institutions and the importance of its recognition both for financial reporting purposes and risk management effect, this paper aims to provide a practical model for the assets and financial institutions evaluation especially banks. It also aims to present a model to measure the value of banking assets for the purposes of risk management as an opportunity to identify in an early moment the banking risks. The paper develops the bank assets assessment forms and the basis of mathematical modeling of this assessment in general. He identifies also the evaluation factors as for example time to maturity, interest rate market for the assets (YTM, the interest rate agreed, the early repayment of the loan, interest ceilings and floors, off-balance sheet treatment, etc..

Status quo of management of the human tissue banks in Taiwan.

Science.gov (United States)

Chou, Ching-Pang; Chou, Szu-Cheng; Chen, Ying-Hua; Chen, Yu-Hsuan; Lee, Ming-Shin

2017-03-01

As the technologies associated with transplantation and biological tissue engineering continue to advance, human cells and tissues form an integral part to the practice of regenerative medicine. The patient's use of tissues entails the risk of introducing, transmitting and spreading communicable diseases. To prevent such risk and to ensure that the human organs, tissues and cells remain intact and functional after being handled and processed, the transplanted tissues must be subject to good management standards through all stages of collection, screening, processing, storage and distribution as the safety of the users is of the utmost importance. On February 2009, the government of Taiwan promulgated the Regulations for Administration on Human Organ Bank that requires all human tissues banks to adhere to the Good Tissue Practice for Human Organ, Tissue and Cell in terms of establishment and operation in order to cope with the international management trend and the development and management need of the domestic industry. Six years have passed since the law became effective. This article seeks to introduce the current management mechanism and status quo of management of human tissue banks in Taiwan. We also conducted statistical analysis of the data relating to the tissue banks to identify potential risks and the room for improvement. The study concludes that human tissue banks in Taiwan are on the right track with their management practice, leading to a state of steady development and progress.

Facility Management's Role in Organizational Sustainability

Science.gov (United States)

Adams, Gregory K.

2013-01-01

Facility managers have questions about sustainability. How do an organization's physical facilities--its built environment--and the management of them, influence the sustainability of the organization or institution as a whole? How important is Facility Management (FM) to the overall sustainability profile of an organization? Facility managers…

Sustainable Soil Management

DEFF Research Database (Denmark)

Green, Ole; Evgrafova, Alevtina; Kirkegaard Nielsen, Søren

management strategies, which consider the site- and field-specific parameters and agricultural machinery’s improvements, it is possible to maximize production and income, while reducing negative environmental impacts and human health issues induced by agricultural activities as well as improving food......Linket til højre henviser til rapporten i trykt format til download. This report provides an overview on new technologies for integrate sustainable and resilient management practices in arable ecosystems for advanced farmers, consultants, NGOs and policy makers. By following sustainable soil...... and soil quality in short- and long-terms. This report also illustrates the importance to combine a system approach for plant production by assessing field readiness, managing in-field traffic management, implementing the sitespecific controlled as well as sensor-controlled seedbed preparation, seeding...

CLAIMS OF SUSTAINABLE FACILITIES MANAGEMENT

DEFF Research Database (Denmark)

Nielsen, Susanne Balslev

Purpose: The purpose of the paper is to provide an overview of current practices within the emergent management discipline: Sustainable Facilities Management (SFM). Background: To develop a sustainable society, facilities managers must become change agents for sustainability in the built...... environment. Facilities Management (FM) is contributing to the environmental, social and economical problems, but can at the same time also be a part of the solution. However, to integrate sustainability in FM is still an emergent niche within FM, and the examples of SFM so far seems to come out of very......-creating of new socio-technical services and technologies These SFM understandings are concluded to be coexisting claims of SFM definitions. Practical Implications: Facilities managers will be able to identify the mindset behind different services and technologies that are promoted as SFM. But maybe just...

THE DUAL CONTROL – A REQUIREMENT OF THE CURRENT BANK MANAGEMENT

Directory of Open Access Journals (Sweden)

ALINA MATIȘ

2014-10-01

Full Text Available Security is a major problem of the banking industry, which bases its whole system on the reputation the bank manages to establish and then maintain among its customers. With the manifestation of information security issues and in interdependence with them, the need for internal control also developed, both of them being associated with modern risk management practices. As the concept of internal control has been rising as a major concern of management and corporate governance, there are attempts to classify it and distinguish it in different categories, dual control being a result of this process. The authors of this study attempt to present the concept of dual control as it is currently applied in the banking system, trying to analyze contextually its capacities of fraud detection, its consequences in terms of risk and costs as well as its effects on bank performance.

Acceptance of Internet Banking Systems among Young Managers

International Nuclear Information System (INIS)

Ariff, Mohd Shoki Md; Yeow S M; Zakuan, Norhayati; Bahari, Ahamad Zaidi

2013-01-01

The aim of this paper is to determine acceptance of internet banking system among potential young users, specifically future young managers. The relationships and the effects of computer self-efficacy (CSE) and extended technology acceptance model (TAM) on the behavioural intention (BI) to use internet banking system were examined. Measurement of CSE, TAM and BI were adapted from previous studies. However construct for TAM has been extended by adding a new variable which is perceived credibility (PC). A survey through questionnaire was conducted to determine the acceptance level of CSE, TAM and BI. Data were obtained from 275 Technology Management students, who are pursuing their undergraduate studies in a Malaysia's public university. The confirmatory factor analysis performed has identified four variables as determinant factors of internet banking acceptance. The first variable is computer self-efficacy (CSE), and another three variables from TAM constructs which are perceived usefulness (PU), perceived ease of use (PE) and perceived credibility (PC). The finding of this study indicated that CSE has a positive effect on PU and PE of the Internet banking systems. Respondents' CSE was positively affecting their PC of the systems, indicating that the higher the ability of one in computer skills, the higher the security and privacy issues of PC will be concerned. The multiple regression analysis indicated that only two construct of TAM; PU and PC were significantly associated with BI. It was found that the future managers' CSE indirectly affects their BI to use the internet banking systems through PU and PC of TAM. TAM was found to have direct effects on respondents' BI to use the systems. Both CSE and the PU and PC of TAM were good predictors in understanding individual responses to information technology. The role of PE of the original TAM to predict the attitude of users towards the use of information technology systems was surprisingly insignificant.

Acceptance of Internet Banking Systems among Young Managers

Science.gov (United States)

Ariff, Mohd Shoki Md; M, Yeow S.; Zakuan, Norhayati; Zaidi Bahari, Ahamad

2013-06-01

The aim of this paper is to determine acceptance of internet banking system among potential young users, specifically future young managers. The relationships and the effects of computer self-efficacy (CSE) and extended technology acceptance model (TAM) on the behavioural intention (BI) to use internet banking system were examined. Measurement of CSE, TAM and BI were adapted from previous studies. However construct for TAM has been extended by adding a new variable which is perceived credibility (PC). A survey through questionnaire was conducted to determine the acceptance level of CSE, TAM and BI. Data were obtained from 275 Technology Management students, who are pursuing their undergraduate studies in a Malaysia's public university. The confirmatory factor analysis performed has identified four variables as determinant factors of internet banking acceptance. The first variable is computer self-efficacy (CSE), and another three variables from TAM constructs which are perceived usefulness (PU), perceived ease of use (PE) and perceived credibility (PC). The finding of this study indicated that CSE has a positive effect on PU and PE of the Internet banking systems. Respondents' CSE was positively affecting their PC of the systems, indicating that the higher the ability of one in computer skills, the higher the security and privacy issues of PC will be concerned. The multiple regression analysis indicated that only two construct of TAM; PU and PC were significantly associated with BI. It was found that the future managers' CSE indirectly affects their BI to use the internet banking systems through PU and PC of TAM. TAM was found to have direct effects on respondents' BI to use the systems. Both CSE and the PU and PC of TAM were good predictors in understanding individual responses to information technology. The role of PE of the original TAM to predict the attitude of users towards the use of information technology systems was surprisingly insignificant.

Towards Sustainable Flow Management - Introduction

DEFF Research Database (Denmark)

Moss, Timothy; Elle, Morten

2001-01-01

Outlines the conditions for the three Local Agenda 21 case-studies in the Sustainable Flow Management project......Outlines the conditions for the three Local Agenda 21 case-studies in the Sustainable Flow Management project...

Towards Sustainable Flow Management - Introduction

DEFF Research Database (Denmark)

Moss, Timothy; Elle, Morten

1998-01-01

Outlines the conditions for the three Local Agenda 21 case-studies in the Sustainable Flow Management Project......Outlines the conditions for the three Local Agenda 21 case-studies in the Sustainable Flow Management Project...

Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria

Directory of Open Access Journals (Sweden)

Edirin Jeroh

2015-10-01

Full Text Available This study focuses on an impact assessment of the consolidation exercise on the performance of commercial banks in Nigeria. While prior studies focused on the financial performance of banks (with emphasis on profitability, the main thrust of this study was on how the consolidation exercise had affected different areas of commercial banks in Nigeria other than profitability. Secondary data were sourced from the annual accounts and statistical bulletins of the CBN and SEC respectively for the relevant years. The data obtained were analysed by means of sensitivity analysis, in addition to the correlation and regression analyses. The results obtained show that the consolidation exercise had positive impact on the selected variables (Non Performing Loans, Liquidity Ratio, Bank Credit to Private Sector and Bank Capital To Asset Ratio for this study. Based on the above findings, we recommend among others that while efforts are made by the CBN to sustain the increased capital base of banks, a very sound corporate governance framework and effective risk management systems must be put in place to check the level of non-performing loans which seem to be predominant in the industry. The quality of bank credit to private sector and their recovery procedures should also be improved upon.

The banking system of liquidity risk management in commercial banks in Kosovo for 2015

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Adnan Berisha

2017-03-01

Full Text Available The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the framework of the banking sector in Kosovo, what is their capital, how many banks have local- and how many have foreign capital, by whom are licensed and supervised, how is the loans potential of commercial banks in Kosovo, how much and how was the variation of interest rates on loans and deposits for 2015 and their comparison with the previous year, what is capital sufficiency and how many commercial banks do have liquidity in Kosovo? Kosovo banking sector exposure to risk will also have a special attention where it is known that there are several types of financial risk and they are: crediting risk, liquidity risk, market risk, operational risk, etc. Our interest in this research will be focused on liquidity risk and the analysis about the management of each bank including some specific regulative frameworks such as: framework of the Basel Committee known as Basel I, Basel II and more recently Basel III, which have strict rules and which change from time to time depending on financial flows or potential crises.

CAREER ANALYSIS AND BANK MANAGER???S PERFORMANCES (A Gender Study in Macassar)

OpenAIRE

Idayanti

2012-01-01

The purposes of this study are to analyze career and bank manager???s performances in Macassar. The study implemented t test among two groups of respondents. The results indicated that those two variables contributed differently based on types of sex perspectives. The result shown that women manager faced more obstacles in career development compare than men, however women manager have better performances.

Predicting the Performance and Survival of Islamic Banks in Malaysia to Achieve Growth Sustainability

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Mazuin Sapuan Noraina

2017-01-01

Full Text Available In Malaysia, the growth of the Islamic financial industry has increased tremendously in line with the Government’s ambition to make Malaysia as an international hub for Islamic finance since 2010. With the increasing number of foreign players in this industry plus with the increasing demand from domestic and foreign customers would further enhance the possibility for Malaysia to achieve this ambition. Currently, according to the Economic Transformation Programme, 2012 Malaysia is the world’s third largest market for Shariah assets that cover Islamic banks, Takaful, and sukuk. Malaysia as one of the main contributors to the global Islamic financial assets with Islamic assets in Malaysia grew by 23.8% in 2011 from RM350.8bil to RM434.6bil. The issues of predicting the performance and the survival of Islamic Banks in Malaysia become amongst crucial issues in academic research. By employing multi – layer perceptron neural network and pooled regression, we found that total assets/ size of the Islamic banks (GROWTH have high weightage and significantly influence in predicting the performance and the survival of Islamic banks in Malaysia. With the increasing number of Islamic banking institutions in Malaysia, this study can give insight on the sustainability of the Islamic banking system in Malaysia for the benefit of the investors, shareholder and depositors.

The increasing importance of effective risk management in banking: Findings from Serbia

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Vukosavljević Dejan

2016-01-01

Full Text Available The subject of the research presented in this paper is risk management, with a special study of banking sector. Research goals include determining the degree of importance and influence of risk management of internal and external risks to a more favorable environment for business success of banks in strategic terms, in the long run. In this sense, the key results of the empirical research on the territory of Serbia in 2015 on a sample of 34 financial institutions, of which 26 were banks, has been provided . The results were processed by statistical and mathematical methods and confirmed the validity of the defined hypotheses, that the importance of effective risk management in banking is growing, as well as the reporting system. The contribution of this research is in a scientific assessment of the importance of various risks, determination of the dominant theoretical and empirical knowledge supporting wider further research in this area in the banking industry.

Knowledge management practices at selected banks in South Africa

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Joel Chigada

2015-06-01

Full Text Available Background: Effective knowledge organisations (EKO create dynamic capabilities through the acquisition, creation, sharing and retention of knowledge. These EKOs are designed to enable an organisation to improve best practices in business. As knowledge is different from other organisational resources, decision-makers ought to understand the importance of knowledge to an organisation. In order to fully utilise knowledge-management (KM practices and to enhance efficiency, management should appreciate and understand the importance of KM. A proper understanding of KM will add value to organisational knowledge. Objective: This study focused on investigating the knowledge-management practices at selected banks in South Africa. The objective was to establish the extent to which selected banks had implemented knowledge-management practices such as the acquisition, sharing and retention of knowledge. Method: Quantitative and qualitative data for this study were collected through the use of a multi-methods approach. Data were collected from middle and senior managers through the use of questionnaires and an interview protocol. All usable quantitative data were analysed using Survey Monkey and Microsoft Excel 2010 whilst thematic analysis was used to extract detailed, rich and complex data accounts from interviews. Results: Though the study revealed the presence of KM practices at selected banks, KM concepts were not universally understood, thus impeding the organisation-wide implementation of KM practices. Knowledge-management practices were only discussed as a footnote because no formal policies existed to add value to KM initiatives. Conclusion: The study concludes that organisations such as banks should perform a knowledge inventory. Knowledge inventories will become handy during the process of developing KM policies and practices for integrating work processes, collaborating and sharing (including the efficient use of knowledge technology platforms and

Sustainable Materials Management

Science.gov (United States)

To introduce businesses, NGOs, and government officials to the concept of Sustainable Materials Management (SMM). To provide tools to allow stakeholders to take a lifecycle approach managing their materials, & to encourage them to join a SMM challenge.

NEW CHALLENGES OF RISK MANAGEMENT IN BANKS IN THE GLOBALISATION CONTEXT

Directory of Open Access Journals (Sweden)

Cătălin SABĂU

2013-06-01

Full Text Available This paper aims to address the growing need for new standards in the management of two major risks financial entities face - credit risk and liquidity risk, in the context of this phenomenon extremely large and complex called globalization, by identifying risks, analyzing them and presenting their management techniques. Taking into account the fact that the banking system plays a crucial role in any national economy as a central pillar in its functions: lending the real economy and acting as a payment system-base regulation and prudential supervision of the banking system is the main component and also a prerequisite for ensuring and maintaining the financial and economic health of a country. Regardless of the approach, credit risk is the main cause of bank failures and from here the need for the imposition of minimum requirements in managing credit risk and also liquidity risk is seen as the risk of disruptions in providing liquid funds of the bank. The ultimate goal of this paper is to minimize the consequences arising from the banks activity or at least allow it to absorb only the optimal amount of this type of risk.

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

Risk Management Practices by Barbadian Banks

Directory of Open Access Journals (Sweden)

Anthony Wood

2013-07-01

The main findings of the paper are: risk managers perceive risk management as critical to their banks’ performance; the types of risks causing the greatest exposures are credit risk, operational risk, country/sovereign risk, interest rate risk and market risk; there was a high level of success with current risk management practices and these practices have evolved over time in line with the changing economic environment and regulatory updates. Overall, the findings suggest strongly that in light of the current depressed economic climate, banks operating in Barbados are indeed risk-focused or might we say “risk intelligent”.

EMPIRICAL ASSESSMENT OF MICROFINANCE BANKS IN NIGERIA USING EFQM EXCELLENCE MODEL

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Chijioke Nwachukwu

2017-06-01

Full Text Available Measuring the performance of microfinance banks ensure that the banks create value for their various stakeholders. Achieving and sustaining superior business performance is important for organisations. The goal of this study is to assess microfinance banks in Nigeria using EFQM Excellence Model. The study adapts the EFQM self- assessment questionnaire for collecting data from 53 senior staff of selected Microfinance banks in Nigeria. In analyzing our data, Pearson correlation, ANOVA, and multiple regression techniques were used. The result shows that a significant positive association exists between the enablers (leadership, strategy, people, partnerships and resources, processes, products, and services and results (customer, people, society, and business criterion. More important, all the 4 hypotheses are supported. The authors suggest that a robust performance management system that integrates leadership, strategy, people, resources, processes, products, and services are important to achieve and sustain excellent results for various stakeholders.

Managing sustainability in management education

OpenAIRE

Lystbæk, Christian Tang

2014-01-01

Environmental issues are increasingly becoming a key business concern at local, national, international and global levels. Consequently, environmental issues and sustainability have found their way into management education in terms of business ethics, corporate social or sustainability responsibilities (CSR), etc.. Dominant conceptions of CSR identify a series of different types of corporate responsibilities, fx. economic, legal, social, environmental, etc. (e.g. Crane & Matten, 2010). A...

Global achievements in sustainable land management

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Peter Motavalli

2013-06-01

Full Text Available Identification and development of sustainable land management is urgently required because of widespread resource degradation from poor land use practices. In addition, the world will need to increase food production to meet the nutritional needs of a growing global population without major environmental degradation. Ongoing climate change and its impacts on the environment is an additional factor to consider in identifying and developing sustainable land use practices. The objectives of this paper are to: (1 provide a background to the need for sustainable land management, (2 identify some of its major components, and (3 discuss some examples of sustainable land management systems that are being practiced around the world. Some common components of this type of management are: (1 understanding the ecology of land management, (2 maintenance or enhancement of land productivity, (3 maintenance of soil quality, (4 increased diversity for higher stability and resilience, (5 provision of economic and ecosystem service benefits for communities, and (6 social acceptability. Several examples of sustainable land management systems are discussed to illustrate the wide range of systems that have been developed around the world including agroforestry, conservation agriculture, and precision agricultural systems. Improved technology, allowing for geater environmental measurement and for improved access and sharing of information, provides opportunities to identify and develop more sustainable land management practices and systems for the future.

Coral reefs and the World Bank.

Science.gov (United States)

Hatziolos, M

1997-01-01

The World Bank¿s involvement in coral reef conservation is part of a larger effort to promote the sound management of coastal and marine resources. This involves three major thrusts: partnerships, investments, networks and knowledge. As an initial partner and early supporter of the International Coral Reef Initiative (ICRI), the Bank serves as the executive planning committee of ICRI. In partnership with the World Conservation Union and the Great Barrier Reef Marine Park Authority, the Bank promotes the efforts towards the establishment and maintenance of a globally representative system of marine protected areas. In addition, the Bank invested over $120 million in coral reef rehabilitation and protection programs in several countries. Furthermore, the Bank developed a ¿Knowledge Bank¿ that would market ideas and knowledge to its clients along with investment projects. This aimed to put the best global knowledge on environmentally sustainable development in the hands of its staff and clients. During the celebration of 1997, as the International Year of the Reef, the Bank planned to cosponsor an associated event that would highlight the significance of coral reefs and encourage immediate action to halt their degradation to conserve this unique ecosystem.

Impact Of Customer Relationship Management On Customer Retention A Case Of Private Banks Of Sialkot Punjab

Directory of Open Access Journals (Sweden)

Nayab Bashir

2017-08-01

Full Text Available Customer relationship management is good for banking sector to increase in any economic condition and for customers to receive quality services This research check the impact of customer relationship management activities on banks customer retention in Sialkot Punjab. For the purpose of study a sampling analysis was conducted among 330 customers of selected private banks that is Habib Bank limited United Bank limited Faysal Bank limited with the help of a structured questionnaire. 316 questionnaires were usable. Statistical answers give support on the high positive relationship between customer relationship management CRM and customer satisfaction. This study exposed that there is a important positive relationship among the variables. This study exposes that the suitable execution of CRM will increases the number of customer satisfaction or make long term healthy relations with the current or potential customers through managing information or improve the performance of services that assist customer retention. Acronyms CRM Customer relationship management CS Customer satisfaction CR Customer retention Abbreviations Customer relationship management

Impact Of Customer Relationship Management On Customer Retention A Case Of Private Banks Of Sialkot Punjab

OpenAIRE

Nayab Bashir

2017-01-01

Customer relationship management is good for banking sector to increase in any economic condition and for customers to receive quality services This research check the impact of customer relationship management activities on banks customer retention in Sialkot Punjab. For the purpose of study a sampling analysis was conducted among 330 customers of selected private banks that is Habib Bank limited United Bank limited Faysal Bank limited with the help of a structured questionnaire. 316 questio...

Factors influencing household participation in solid waste management (Case study: Waste Bank Malang)

Science.gov (United States)

Maryati, S.; Arifiani, N. F.; Humaira, A. N. S.; Putri, H. T.

2018-03-01

Solid waste management is very important measure in order to reduce the amount of waste. One of solid waste management form in Indonesia is waste banks. This kind of solid waste management required high level of participation of the community. The objective of this study is to explore factors influencing household participation in waste banks. Waste bank in Malang City (WBM) was selected as case study. Questionnaires distribution and investigation in WBM were conducted to identify problems of participation. Quantitative analysis was used to analyze the data. The research reveals that education, income, and knowledge about WBM have relationship with participation in WBM.

Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

Directory of Open Access Journals (Sweden)

Claudia Gabriela Baicu

2012-06-01

Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

A pathway to a more sustainable water sector: sustainability-based asset management.

Science.gov (United States)

Marlow, D R; Beale, D J; Burn, S

2010-01-01

The water sectors of many countries are faced with the need to address simultaneously two overarching challenges; the need to undertake effective asset management coupled with the broader need to evolve business processes so as to embrace sustainability principles. Research has thus been undertaken into the role sustainability principles play in asset management. As part of this research, a series of 25 in-depth interviews were undertaken with water sector professionals from around Australia. Drawing on the results of these interviews, this paper outlines the conceptual relationship between asset management and sustainability along with a synthesis of the relevant opinions voiced in the interviews. The interviews indicated that the participating water authorities have made a strong commitment to sustainability, but there is a need to facilitate change processes to embed sustainability principles into business as usual practices. Interviewees also noted that asset management and sustainability are interlinked from a number of perspectives, especially in the way decision making is undertaken with respect to assets and service provision. The interviews also provided insights into the research needed to develop a holistic sustainability-based asset management framework.

Data management design: nucleon-nucleon data bank (0 to 1200 MeV)

International Nuclear Information System (INIS)

Signell, P.; Freiheit, F.

1981-01-01

This is a guide to the design of the on-line data records in this bank, covering all energies and particle combinations up to about 1200 MeV. The design of the bank's management system satisfies almost all of the conditions set forth in the proposed Design Principles for Physics Data Banks

Management of Business Transformation to Sustainable Business

OpenAIRE

Grunda, Rokas

2011-01-01

Having examined the concepts of sustainable business and advantages and disadvantages of business sustainability management models, the objective of the dissertation is to formulate a management model of business transformation to sustainable business and to verify it in present business conditions in Lithuania. In the dissertation, the essence of the concepts of sustainable development and sustainability is characterized, the criteria of sustainable society are distinguished and the concept ...

Corporate Sustainability Management and Environmental Ethics

DEFF Research Database (Denmark)

Schuler, Douglas; Rasche, Andreas; Etzion, Dror

2017-01-01

This article reviews four key orientations in environmental ethics that range from an instrumental understanding of sustainability to one that acknowledges the intrinsic value of sustainable behavior (i.e., sustainable resource use, conservation and preservation, rights-based perspectives, and deep...... ecology). It then shows that the current scholarly discourse around corporate sustainability management—as reflected in environment management (EM), corporate social responsibility (CSR), and corporate political activity (CPA)—mostly favors an instrumental perspective on sustainability. Sustainable...... business practices are viewed as anthropocentric and are conceptualized as a means to achieve competitive advantage. Based on these observations, we speculate about what corporate sustainability management might look like if it applied ethical orientations that emphasize the intrinsic value of nature...

Women in Top Management and Bank Performance: Evidence from Indonesia

Directory of Open Access Journals (Sweden)

Hunik Sri Runing Sawitri

2016-02-01

Full Text Available We investigate the impact of the presence of women in top management on bank performance controlling for bank specific factors, ownership and governance. By making use of sample of 70 Indonesian banks in a cross section study, we find strong evidence that the presence of women in the executives is negatively associated with firm performance. Moreover, we examine the moderating effect of TMT organizational tenure and TMT age. However, only little evidence is found in the effect of our moderating variables.

Design and management of sustainable built environments

CERN Document Server

2013-01-01

Climate change is believed to be a great challenge to built environment professionals in design and management. An integrated approach in delivering a sustainable built environment is desired by the built environment professional institutions. The aim of this book is to provide an advanced understanding of the key subjects required for the design and management of modern built environments to meet carbon emission reduction targets. In Design and Management of Sustainable Built Environments, an international group of experts provide comprehensive and the most up-to-date knowledge, covering sustainable urban and building design, management and assessment. The best practice case studies of the implementation of sustainable technology and management from the BRE Innovation Park are included. Design and Management of Sustainable Built Environments will be of interest to urban and building designers, environmental engineers, and building performance assessors.  It will be particularly useful as a reference book ...

MODEL KONSEPTUAL UNTUK MENGUKUR ADAPTABILITAS BANK SAMPAH DI INDONESIA

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Helena J Kristina

2014-01-01

can be maximized. The effective and efficient system is encapsulated in a process known as adaptability process. The adaptability of a garbage bank is the capability of a garbage bank system to react positively when the process or condition of key factors changes. The absence of research on the measurement of garbage bank adaptability system in Indonesia has given an idea to present this paper which is a conceptual model for measuring it, in hopes to form a deep understanding of the whole problem or element system that make up the adaptability system of a garbage bank. If the adaptability of this system can be observed and measured, in the future it will be useful for decision making in the allocation of resources and sustainability planning process of garbage bank management. Keywords : garbage bank, adaptability, sustainability

Technology Trust and E-Banking Adoption: The Mediating Effect of Customer Relationship Management Performance

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Samsudin Wahab

2012-01-01

Full Text Available The electronic revolution in the Malaysian banking sector has started in the 1970's. The first visible form of electronic innovation in the Malaysian banking industry was the introduction of Automated Teller Machines in 1981. Finally, on June 1, 2000, the Malaysian Central Bank gave the green light for locally owned commercial banks to offer Internet banking services. Due to the drastic changes in the business environment, it leads financial institutions to revise their marketing strategies to stress long-lasting relationships with customers. Relationships is important criteria in the selection of private bank. In many conditions, customer satisfaction mediates the relationship between antecedent’s factors and marketing performance. Hence, CRM performance is about maintaining good relationship and repurchases behavior, word-of-mouth and customer retention. Trust has been studied in traditional physical commercial environments. In the marketing and management literatures, trust is strongly associated with attitudes toward products, services, and purchasing behaviors. So that, the main objective of this research paper is to investigate the role of CRM performance as the mediator in the relationship between trust and E-Banking adoption. Hence, this empirical paper confirmed the role of customer relationship management performance as the mediators in the relationship between trust and electronic banking adoption.Key words: Trust, Customer Relationship Management Performance, E-Banking Adoption

A study on relationship between audit quality and earnings management in Iranian banking industry

Directory of Open Access Journals (Sweden)

Mohammad Masihi

2013-12-01

Full Text Available This paper presents an empirical investigation to study the relationship between audit quality and earnings management in Iranian banking industry. The proposed study gathers the necessary information from 18 different Iranian banks over the period 2005-2012. The study considers the effects of three independent variables including type of auditing, tenure of auditing and size of bank on earning managements. The result of our survey has indicated that there was a meaningful and reverse relationship between type of accounting and earnings management. In addition, the longer an auditing firm perform auditing program, the better the firm reports earnings management. Finally, as the size of firm increases, there is a better earnings management.

Managing Transportation Infrastructure for Sustainable Development

NARCIS (Netherlands)

Akinyemi, Edward O.; Zuidgeest, M.H.P.

Major requirements for operationalization of the concept of sustainable development in urban transportation infrastructure operations management are presented. In addition, it is shown that the current approach to management is incompatible with the requirements for sustainable urban development.

Emotional intelligence and successful change management in the Nigerian banking industry

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2017-06-01

Full Text Available Successful organizational change requires a supportive culture and competence development driven by exceptional leadership that can influence business strategy in allocating financial, human and material resources, processes and systems that focus on collaborative imperatives. Change management is the lubricant that oils the wheels of organizations in the race for competitive advantage. Many organizational change efforts face resistance mainly because of the method of implementation. Change Management involves the ability to communicate, influence, collaborate and work in harmony with colleagues. Emotional intelligence competencies allow organizational members to acknowledge the need for change, remove barriers, and enlist others in pursuit of new initiatives aimed at organizational success. Beginning in the late 1990s, banks in Nigeria embarked on change management through BPR that involved emotional intelligence competencies which saw the banking industry’s shareholders’ funds rising from minus N792m in 1996 to N1,935bn in 2011. The survey research design was used for the study, and data were analyzed to demonstrate the relationship between emotional intelligence and successful change management. It was found that EI has strong positive relationship with successful change management in the Nigerian banking industry.

Waste Management Fault Tree Data Bank (WM): 1992 status report

International Nuclear Information System (INIS)

Baughman, D.F.; Hang, P.; Townsend, C.S.

1993-01-01

The Risk Assessment Methodology Group (RAM) of the Nuclear Process Safety Research Section (NPSR) maintains a compilation of incidents that have occurred in the Waste Management facilities. The Waste Management Fault Tree Data Bank (WM) contains more than 35,000 entries ranging from minor equipment malfunctions to incidents with significant potential for injury or contamination of personnel. This report documents the status of the WM data bank including: availability, training, source of data, search options, and usage, to which these data have been applied. Periodic updates to this memorandum are planned as additional data or applications are acquired

A case management agency and bank create a service innovation.

Science.gov (United States)

Katz, K S; Stowe, A W

1992-01-01

Connecticut Community Care, Inc. (CCCI), a statewide, nonprofit case management agency, in collaboration with Connecticut National Bank (CNB), developed a unique model of delivering case management services to bank trust clients. No reports of such a collaborative model have been found in the published literature in the United States. The article presents a historical overview of this innovative initiative; the identification of the target population; the delivery of the assessment, coordination, and monitoring services; and the marketing techniques. Utilization statistics, a synopsis of the model outcomes as viewed by the trust officers, and suggestions for replication are also presented.

Sustainability in Project Management: Reality Bites

NARCIS (Netherlands)

Gilbert Gilbert Silvius; Ron Schipper; Snezana Nedeski

2012-01-01

The relationship between project management and sustainable development is rapidly gaining interest from both practitioners and academics. Studies on the integration of the concepts of sustainability into project management, approach this topic mostly from a conceptual, logical or moral point of

12 CFR 1500.6 - What risk management, record keeping and reporting policies are required to make merchant banking...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What risk management, record keeping and... Banking DEPARTMENT OF THE TREASURY GENERAL PROVISIONS MERCHANT BANKING INVESTMENTS § 1500.6 What risk management, record keeping and reporting policies are required to make merchant banking investments? (a) What...

Integration of formal and informal sector (waste bank in waste management system in Yogyakarta, Indonesia

Directory of Open Access Journals (Sweden)

Purnama Putra Hijrah

2018-01-01

Full Text Available The change of waste management paradigm becomes an important thing to do, as a step adaptation to the increasing rate of waste generation every year in Indonesia. 100% management target has been divided into two parts, namely the reduction (30% and waste handling (70%. Reductions focus on source limitation and 3R program optimization, whereas handling involves collecting and final processing activities. However, the current level of waste reduction is still very low (12%, the government made various efforts to increase it, one of its with the waste bank program. DIY province as a pioneer in the concept of waste bank continues to develop to increase the participation of the community, from 166 locations in 2013, increased to 792 locations in 2017 and 495 of its as the waste bank (62.5%. Average waste bank with 43 customers, able to manage the waste up to 2,078,064 kg/month, with the data can be estimated the amount of waste that can be managed in the city of Yogyakarta, Sleman and Bantul Regency. The city of Yogyakarta has 433 units of the waste bank, capable of managing waste up to 899,801.8 kg/month, Sleman Regency has 34 units of the waste bank (78.966,4 kg/month and Bantul has 24 units of the waste bank (49.873,5 kg/month. The integration of formal and informal sectors through waste banks can increase the percentage of waste management services. The level of service in Yogyakarta City increased from 85% to 95.5%, Sleman District from 30.71 to 31%, and Bantul Regency from 7.49 to 7.7%

Formation of strategy and policy of banking credit operations management

Directory of Open Access Journals (Sweden)

O.V. Lysenok

2016-03-01

Full Text Available The article examines the strategic management of credit operations as the activities on credit strategies of banking institutions, the formation of goals, objectives, and the choice of methods to achieve them. The basis of this is the strategic management analysis of the factors affecting the lending operations, strategic planning, communication mechanisms of strategic and tactical decisions, monitoring the implementation of the strategy and timely adjustments. For the purpose of effective implementation of the developed strategy, the article argues that banks in modern conditions should develop their own internal credit policy which should cover the essential elements and principles of credit at these banks. The study determines that the credit policy is based on the factors determined by the amount of capital assets and loan portfolio, the structure of its clientele, specialization, location, presence of branch network, the situation in the money market.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

During the last years the development of e-banking in Estonia has been very significant. According to the report of the World Economic Forum, the Estonian IT-development has been substantial. The success of e-banking in Estonia can be compared to the corresponding success of the Nordic countries. According to the Deutsche Bank Research, around 70-80% of the Internet users in Estonia use Internet banking and in this respect, Estonia could be compared to Finland, Norway and Iceland. Despite of ...

The use of traditional ecological knowledge in sustainable use and ...

African Journals Online (AJOL)

management of plant resource through a community-based and participatory ... traditional ecological knowledge (TEK) and scientific knowledge, with the aim of defining criteria for sustainable ...... resources. World Bank Technical Paper.

Impact Of The Customer Relationship Management Practices On The Profitability Of Uae Banks. A Comparative Study

OpenAIRE

Agnihotri, Dr Mahesh; Bhavani, Dr.M. Ganga

2015-01-01

Customer Relationship Management (CRM) is a business strategy where by banks builds strong relationships with existing and prospective customers with the goal of increasing organizational profitability. Customer Relationship Management (CRM) Practices provide a competitive edge to any organization including the Banking Sector, this research is an attempt to study the Customer Relationship Management (CRM) Practices in UAE Banks with certain objectives i.e to examine the existing Customer Rela...

Sustainability partnerships and viticulture management in California.

Science.gov (United States)

Hillis, Vicken; Lubell, Mark; Hoffman, Matthew

2018-07-01

Agricultural regions in the United States are experimenting with sustainability partnerships that, among other goals, seek to improve growers' ability to manage their vineyards sustainably. In this paper, we analyze the association between winegrape grower participation in sustainability partnership activities and practice adoption in three winegrowing regions of California. Using data gathered from a survey of 822 winegrape growers, we find a positive association between participation and adoption of sustainable practices, which holds most strongly for practices in which the perceived private benefits outweigh the costs, and for growers with relatively dense social networks. We highlight the mechanisms by which partnerships may catalyze sustainable farm management, and discuss the implications of these findings for improving sustainability partnerships. Taken together, we provide one of the most comprehensive quantitative analyses to date regarding the effectiveness of agricultural sustainability partnerships for improving farm management. Copyright © 2018 Elsevier Ltd. All rights reserved.

A study on relationship between tail risk on earning management in Iranian banking industry

Directory of Open Access Journals (Sweden)

Mohammad Khodaei Valahzaghard

2013-02-01

Full Text Available Risk management plays an important role in banking industry and there are literally many investigations to reduce any risk components in this industry. In this paper, we present a study on relationship between tail risk on earning management in Iranian banking industry. In this survey, we use two series of data. The first set is associated with yearly information of 19 different banks over the period 2005-2011 and it contains 114 observations. The second set of data includes weekly historical data of eight banks over the same period 2005-2011. In this survey, there are four objectives to be investigated. The first hypothesis considers the effects of seven independent variables on loan loss allowance as a fraction of total loans. The second model is associated with the effects of two independent variables on realized gains and losses on securities. The third objective is to study the effects of different independent variables with various interruptions on return of banking sectors. Finally, the last model investigates the effects of revenue management on tail risk. The result of this survey indicates that there is no relationship between tail risk and earning management.

Sustainable operations management: A typological approach

Directory of Open Access Journals (Sweden)

Lawrence Michael Corbett

2009-07-01

Full Text Available This paper discusses the nature of sustainability and sustainable development as they relate to operations management. It proposes a typology for sustainable operations management that is based on the life cycle stages of a product and the three dimensions of corporate social responsibility. The aim is to show how this typology development could provide a useful approach to integrating the diverse strands of sustainability in operations, using industrial ecology and carbon neutrality as examples. It does this by providing a focused subset of environmental concerns for an industrial ecology approach, and some research propositions for the issue of carbon neutrality.

12 CFR 225.175 - What risk management, record keeping and reporting policies are required to make merchant banking...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What risk management, record keeping and... risk management, record keeping and reporting policies are required to make merchant banking... conduct, monitor and manage such investment activities and the risks associated with such investment...

The application of holistic risk management in the banking industry

OpenAIRE

2008-01-01

The banking industry in South Africa is facing three main challenges, namely: continuous change, foreign competition, and increasing levels of risk. These problems flow mainly from cultural diversity, globalisation, and rapid technological development in systems and communication. Decreasing predictability stems to a great extent from a lack of foreknowledge of how globalisation will develop, and how it can influence the South African banking industry in general and holistic risk management (...

The application of holistic risk management in the banking industry

Directory of Open Access Journals (Sweden)

J. Chibayambuya

2007-12-01

Full Text Available Purpose: The application of holistic risk management is fast becoming a standard measure of good governance in the business arena. What role can holistic risk management play in the management of risk in the financial services industry? The aim of this paper is to propose a holistic risk management framework for the management of risk. Design/Methodology/Approach: A comprehensive framework that covers the holistic view risk management is proposed/developed out of an extensive literature review. Findings: Given the deliberations of various frameworks, a holistic risk management is proposed. The proposed framework ensures that all components of risk management are taken into account when strategizing for risk management in general and holistic risk management in particular; thereby improving the management of risk in the banking industry. Implications: The article proposes a holistic approach to risk management which takes into account all the facets of risk management, e.g. analyzing, planning, strategy, communication, implementation, motivation, systems review and plan modification. This holistic approach, when implemented in the banking industry, can have a significant impact on the improved management of risk. Originality/Value: The new proposed holistic risk management framework offers a fresh perspective of strategizing for risk management in terms of risk analysis, risk planning, risk strategy, risk communication, risk implementation, risk motivation, risk review and risk plan modification.

25 CFR 163.11 - Forest management planning and sustained yield management.

Science.gov (United States)

2010-04-01

... principles of sustained yield management and will not be authorized until practical methods of harvest based on sound economic and silvicultural and other forest management principles have been prescribed... period in the future. Forest management plans shall be based on the principle of sustained yield...

Pengelolaan Likuiditas Bank Syariah

Directory of Open Access Journals (Sweden)

Nurul Ichsan

2014-01-01

Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

Comparing Sustainable Forest Management Certifications Standards: A Meta-analysis

Directory of Open Access Journals (Sweden)

Michael Rawson. Clark

2011-03-01

Full Text Available To solve problems caused by conventional forest management, forest certification has emerged as a driver of sustainable forest management. Several sustainable forest management certification systems exist, including the Forest Stewardship Council and those endorsed by the Programme for the Endorsement of Forest Certification, such as the Canadian Standards Association - Sustainable Forestry Management Standard CAN/CSA - Z809 and Sustainable Forestry Initiative. For consumers to use certified products to meet their own sustainability goals, they must have an understanding of the effectiveness of different certification systems. To understand the relative performance of three systems, we determined: (1 the criteria used to compare the Forest Stewardship Council, Canadian Standards Association - Sustainable Forestry Management, and Sustainable Forestry Initiative, (2 if consensus exists regarding their ability to achieve sustainability goals, and (3 what research gaps must be filled to improve our understanding of how forest certification systems affect sustainable forest management. We conducted a qualitative meta-analysis of 26 grey literature references (books, industry and nongovernmental organization publications and 9 primary literature references (articles in peer-reviewed academic journals that compared at least two of the aforementioned certification systems. The Forest Stewardship Council was the highest performer for ecological health and social sustainable forest management criteria. The Canadian Standards Association - Sustainable Forestry Management and Sustainable Forestry Initiative performed best under sustainable forest management criteria of forest productivity and economic longevity of a firm. Sixty-two percent of analyses were comparisons of the wording of certification system principles or criteria; 34% were surveys of foresters or consumers. An important caveat to these results is that only one comparison was based on

Contradictions Between Risk Management and Sustainable Development

International Nuclear Information System (INIS)

Olsen, Odd Einar; Langhelle, Oluf; Engen, Ole A.

2006-01-01

The aim of this paper is to discuss how risk management as a methodology and mindset influence on priorities and decisions concerning sustainable development. Management of risks and hazards often rely on partial analysis with a limited time frame. This may lead to a paradoxical situation where risk management and extended use of risk analysis could hamper long term sustainable development. The question is: Does the use of risk and vulnerability analysis (RaV-analysis) hamper or contribute to sustainable development? Because risk management and assessment has a more narrow scope and a limited time perspective based on well established methodologies, the tangible impacts of risk reducing measures in a project is easier to calculate than long-term and intangible impacts on global development. Empirical evidence is still scarce, but our preliminary conclusion is that mainstream risk management and assessments is counterproductive to sustainable development

Contradictions Between Risk Management and Sustainable Development

Energy Technology Data Exchange (ETDEWEB)

Olsen, Odd Einar; Langhelle, Oluf; Engen, Ole A. [Univ. of Stavanger (Norway). Dept. of Media, Culture and Social Science

2006-09-15

The aim of this paper is to discuss how risk management as a methodology and mindset influence on priorities and decisions concerning sustainable development. Management of risks and hazards often rely on partial analysis with a limited time frame. This may lead to a paradoxical situation where risk management and extended use of risk analysis could hamper long term sustainable development. The question is: Does the use of risk and vulnerability analysis (RaV-analysis) hamper or contribute to sustainable development? Because risk management and assessment has a more narrow scope and a limited time perspective based on well established methodologies, the tangible impacts of risk reducing measures in a project is easier to calculate than long-term and intangible impacts on global development. Empirical evidence is still scarce, but our preliminary conclusion is that mainstream risk management and assessments is counterproductive to sustainable development.

Harnessing indigenous knowledge for sustainable forest management in Ghana

Directory of Open Access Journals (Sweden)

Margaret Sraku-Lartey

2015-01-01

Full Text Available This paper makes a case for harnessing indigenous knowledge (IK for sustainable national development in Ghana. IK according to the World Bank is the basic component of any country’s knowledge system and it is upon this knowledge that scientific research builds. In Ghana the Government has recognized the need to harness IK for sustainable national development and has therefore incorporated it into the National Science, Technology and Innovation Development Programme. But there is no evidence however that scientific research in Ghana actually takes IK into consideration during the research process. This paper discusses the concept of indigenous knowledge, its relevance in scientific discourse and the need for harnessing it for national development in Ghana. A desk study was conducted using journal publications, research and technical reports, online databases and the internet. About sixty articles were analysed using the thematic synthesis method under the following broad headings: Importance of Indigenous knowledge, Indigenous forest foods, Indigenous medicines, IK and food security, the management and processing of IK and the protection of Indigenous Knowledge.The results of the study established the need to document the local knowledge using appropriate procedures and strategies. It also concludes by suggesting that IK in Ghana must be protected by law and integrated into formal science.

Effects of 10-Year Management Regimes on the Soil Seed Bank in Saline-Alkaline Grassland

Science.gov (United States)

Ma, Hongyuan; Yang, Haoyu; Liang, Zhengwei; Ooi, Mark K. J.

2015-01-01

Background Management regimes for vegetation restoration of degraded grasslands can significantly affect the process of ecological succession. However, few studies have focused on variation in the soil seed bank during vegetation restoration under different management regimes, especially in saline-alkaline grassland habitats. Our aim was to provide insights into the ecological effects of grassland management regimes on soil seed bank composition and vegetation establishment in mown, fenced, transplanted and natural grassland sites, all dominated by the perennial rhizomatous grass Leymus chinensis. Methodology We studied species composition and diversity in both the soil seed bank and aboveground vegetation in differently managed grasslands in Northeast China. An NMDS (nonmetric multidimensional scaling) was used to evaluate the relationship between species composition, soil seed banks, aboveground vegetation and soil properties. Principal Findings Fenced and mown grassland sites had high density and species richness in both the soil seed bank and aboveground vegetation. The Transplanted treatment exhibited the highest vegetation growth and seed production of the target species L. chinensis. Seeds of L. chinensis in the soil occurred only in transplanted and natural grassland. Based on the NMDS analysis, the number of species in both the soil seed bank and aboveground vegetation were significantly related to soil Na+, Cl-, RSC (residual sodium carbonate), alkalinity, ESP (exchangeable sodium percentage) and AP (available phosphorus). Conclusions Soil seed bank composition and diversity in the saline-alkaline grassland were significantly affected by the management regimes implemented, and were also significantly related to the aboveground vegetation and several soil properties. Based on vegetative growth, reproductive output and maintenance of soil seed bank, the transplanting was identified as the most effective method for relatively rapid restoration of the target

Client-Oriented Approach: Forming the System of Management of the Bank Relations with Clients

Directory of Open Access Journals (Sweden)

Zavadska Diana V.

2015-03-01

Full Text Available The aim of the article is to develop the theoretical principles of forming the bank relations with clients as part of the client-oriented strategy implementation. As a result of the conducted research there has been presented the definition of client-orientation, mechanism and system of management. The system of management of the bank relations with clients, the purpose and objectives of its formation have been substantiated. The hierarchy of subjects of forming and managing the process of the bank relations with client has been presented. The ways of implementing in practice the functions of the mechanism of managing relations with clients have been revealed. It has been proved that for implementation of the client-oriented approach the banking institution should have a comprehensive view of its clients’ behavior, which detailed understanding will allow for a more accurate segmentation and building individualized partnership relations. Implementing the principle of totality of client relationships level and comprehensive knowledge, development of employee behavior techniques and special techniques for working with the most valuable clients, the use of analytics and forecasting tools will provide targeting of marketing campaigns and lead to minimization of additional costs, satisfaction of every client, loyalty, increase in the market share, growth of sales volume, increase in profits of the banking institution.

DISTANCE BANKING SERVICES - A SOLUTION FOR THE ROMANIAN MANAGEMENT BANKING SYSTEM

Directory of Open Access Journals (Sweden)

ELENA SILVIA DINCULESCU

2010-01-01

Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.

Effect 0f Credit Risk Management Techniques 0n The Performance 0f Unsecured Bank Loans Employed Commercial Banks In Kenya

Directory of Open Access Journals (Sweden)

Prof. R.W Gakure

2013-07-01

Full Text Available Financial risk in a banking organization is possibility that the outcome of an action or event could bring up adverse impacts. Such outcomes could either result in a direct loss of earnings / capital or may result in imposition of constraints on bank’s ability to meet its business objectives. The purpose of this study was to investigate the effect of credit risk management techniques on the performance of unsecured bank loans by commercial banks in Kenya.

Managing Customer Loyalty in the Digital Era of the Banking Industry

OpenAIRE

Ibegbulem, Anna; Andersson, Gabriella

2017-01-01

The Swedish banking industry is in the midst of digital disruption and face new EU directives, which may alter the financial market. It is believed that FinTech companies will play a significant role in shaping the future financial landscape and challenge traditional banking. The primary purpose of this thesis is to develop an understanding of how banks intend to manage customer loyalty given perceived market changes. The thesis seeks to answer the research question: What challenges related t...

River Bank Erosion and the Influence of Environmental Flow Management

Science.gov (United States)

Vietz, Geoff J.; Lintern, Anna; Webb, J. Angus; Straccione, David

2018-03-01

Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional `know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

River Bank Erosion and the Influence of Environmental Flow Management.

Science.gov (United States)

Vietz, Geoff J; Lintern, Anna; Webb, J Angus; Straccione, David

2018-03-01

Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional 'know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

OPTIMAL CONTROL THEORY FOR SUSTAINABLE ENVIRONMENTAL MANAGEMENT

Science.gov (United States)

With growing world population, diminishing resources, and realization of the harmful effects of various pollutants, research focus in environmental management has shifted towards sustainability. The goal of a sustainable management strategy is to promote the structure and operati...

Creating a Culture of Sustainability using Mission Statements of Cooperative Organizations

Directory of Open Access Journals (Sweden)

Nooraslinda Abdul Aris

2016-01-01

Full Text Available Mission statements are recognized as effective strategic management tools that influence firms’ performance. The evolution of a culture of sustainability begins with a mission statement that strikes a balance between financial performance and social commitments. The clear articulation of sustainability as part of the firm’s mission, values, goals, and strategy are key factors in fostering sustainability focused culture. This study illustrates the fundamental tenets of the culture of organizational sustainability model proposed by Galpin, Whitttington, and Bell (2015 using selected cooperatives in Malaysia. The contents of the mission statements were then analyze using the nine elements model by Pearce and David (1987 in findings its relations to and the existence of sustainability culture within the cooperatives. Findings from the study confirm building an organizational infrastructure that fosters a culture of sustainability results in positive employee and organizational-level sustainability performance. A reference was made to Bank Rakyat, one of the leading cooperative-based banking in the country for its outstanding performance.

Forest sector: A world bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

Forest sector: A World Bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

Managing Team Learning in a Spanish Commercial Bank

Science.gov (United States)

Doving, Erik; Martin-Rubio, Irene

2013-01-01

Purpose: The purpose of this paper is to analyze how team management affects team-learning activities. Design/methodology/approach: The authors empirically study 68 teams as they operate in the natural business context of a major Spanish bank. Quantitative research utilizing multiple regression analyses is used to test hypotheses. Findings: The…

Delivering Sustainable Facilities Management in Danish Housing Estates

DEFF Research Database (Denmark)

Nielsen, Susanne Balslev; Jensen, Jesper Ole; Jensen, Per Anker

2009-01-01

Housing plays a central role in sustainable development due to large resource consumption and as transition agent towards sustainable lifestyles. The aim is to evaluate current practice of housing administration in Denmark in order to evaluate if and how sustainable facilities management is suppo......Housing plays a central role in sustainable development due to large resource consumption and as transition agent towards sustainable lifestyles. The aim is to evaluate current practice of housing administration in Denmark in order to evaluate if and how sustainable facilities management...... is supporting social, economical and environmental sustainable development. Sustainable facility management (SFM) is as an 'umbrella' for various ways of reducing flows of energy, water and waste in the daily operation of the buildings, for instance by regular monitoring the consumption, by using 'green......-setting including the ownership of the building, the organisation of daily operation, the roles and relation between stakeholders are equally important in order to utilise the monitoring as a mean for transformation towards sustainable buildings and lifestyles....

Managing for Sustainable Development Impact

NARCIS (Netherlands)

Kusters, C.S.L.; Batjes, Karen; Wigboldus, S.A.; Brouwers, J.H.A.M.; Dickson Baguma, Sylvester

2017-01-01

This guide is about managing development initiatives and organizations towardssustainable development impact. It builds on the work of Guijt and Woodhill inthe 2002 IFAD publication Managing for Impact in Rural Development: A Guide for Project M&E. Since then, the managing for sustainable

Stakeholder Thinking in Sustainability Management

DEFF Research Database (Denmark)

Gjerdrum Pedersen, Esben Rahbek; Hove Henriksen, Morten; Frier, Claus

2013-01-01

Purpose – The objective of the paper is to describe and discuss how the biotech company Novozymes integrates stakeholder thinking into everyday sustainability practices. Design/methodology/approach – The paper is based on first-hand experiences as well as secondary information from Novozymes' sta...... to make sense of stakeholder thinking. Originality/value – The contribution of this paper is to provide a detailed analysis of how various stakeholder relations management methods can be used in practice to integrate sustainability in an organisation.......' stakeholder-oriented sustainability activities. Findings – The paper illustrates how a company is striving to transform the general stakeholder principles into concrete, manageable actions. Moreover, the paper describes some of the needs, challenges, and paradoxes experienced by an organisation that is trying...

Study on National Sustainable Development Strategy Management Based on Stakeholders Management Theory

Institute of Scientific and Technical Information of China (English)

Chen Huarong; Wang Xiaoming

2012-01-01

Based on the stakeholders management theory, this pa- per provides a new strategic management method for the National Sustainable Development Strategy. By taking China＇s National Sustainable Development Strategy Management as an example, this paper identifies all the stakeholders involved and then as- sesses stakeholders from two dimensions, namely ＂Importance＂ and ＂Attitude＂, by which all of the stakeholders are divided into six categories. On this basis, further analysis is made to work out strategic management programme by scheduling the strate- gic emphases, steps and management countermeasures for dif- ferent types of stakeholders so as to provide theortical evidence for the practice of National Sustainable Developnent Strategy management.

Sustainable tourism and natural resources management in small islands

International Nuclear Information System (INIS)

Cappucci, Sergio; Morabito, Roberto

2015-01-01

The present issue reports the results obtained through the activities dedicated to the Management of Natural Resources of Sicily Eco-innovation Project, focused on sustainable tourism. Both studies and interventions were carried out between 2012 and 2015 in collaboration with the City Council and the Marine Protected Area of Egadi Islands, within the islets of Egadi Archipelago (few kilometres offshore of the Sicilian west coast). The study area is characterised by many ecological and naturalistic assets, particularly in the underwater environment, where a very high biodiversity is present thanks to the location and its particular hydrologic conditions. Here, the seabed has an irregular morphology with many cliffs, outcrops, sand banks and submarine valleys. It is a natural laboratory where the seasonal anthropic pressure is strongly related to tourism, leisure and professional/illegal fishing, pollution related to urbanisation (more intense in the Island of Favignana); all activities highly impacting the marine ecosystem and main threat for biological resources [it

The sustainable project management: A review and future possibilities

Directory of Open Access Journals (Sweden)

V.K. Chawla

2018-06-01

Full Text Available Sustainability in project operations such as financial, social and environmental sustainability is one of the most prominent issues of the present times to address. The increased focus on sus-tainable business operations has changed the viewpoint of researchers and corporate community towards the project management. Today sustainability in business operations along with sustain-ability of natural and environmental resources are of paramount significance which has further caused a huge impact on conception, planning, scheduling and execution of the project manage-ment activities. In this paper, a literature review between 1987 and 2018 on different issues af-fecting the sustainability in project management is carried out. The present study also identifies and discusses the future possibilities to apply computational procedures in order to estimate and optimize the sustainability issues in the management of projects, for example the computational evolutionary algorithms can be applied to formulate the multi-objective decision-making problem after considering critical factors of sustainability in the projects and then yielding optimized solu-tions for the formulated problem to achieve sustainability in the projects. A new integrated framework with the inclusion of feedback function for assessment of each decision and actions taken towards the sustainability of the projects is also identified and presented.

Client-Oriented Approach: Forming the System of Management of the Bank Relations with Clients

OpenAIRE

Zavadska Diana V.

2015-01-01

The aim of the article is to develop the theoretical principles of forming the bank relations with clients as part of the client-oriented strategy implementation. As a result of the conducted research there has been presented the definition of client-orientation, mechanism and system of management. The system of management of the bank relations with clients, the purpose and objectives of its formation have been substantiated. The hierarchy of subjects of forming and managing the process...

Managing Natural Resources for Sustainable Livelihoods: Uniting ...

International Development Research Centre (IDRC) Digital Library (Canada)

2003-07-31

Jul 31, 2003 ... Management of local resources has a greater chance of a ... Managing Natural Resources for Sustainable Livelihoods: Uniting Science and Participation ... innovative approaches for establishing and sustaining participation and ... A new IDRC-supported project will help improve water conservation and ...

Credit Booms and Busts in Emerging Markets: The Role of Bank Governance and Risk Management

OpenAIRE

Brown, Martin; Andries, Alin Marius

2014-01-01

This paper investigates to what extent risk management and corporate governance mitigate the involvement of banks in credit boom and bust cycles. Using a unique, hand-collected dataset on 156 banks from Central and Eastern Europe during 2005-2012, we assess whether banks with stronger risk management and corporate governance display more moderate credit growth in the pre-crisis credit boom as well as a smaller credit contraction and fewer credit losses in the crisis period. With respect to ba...

Sustainability Management in Agribusiness: Challenges, Concepts, Responsibilities and Performance

Directory of Open Access Journals (Sweden)

Nina Friedrich

2012-12-01

Full Text Available The idea of sustainable management has recently gained growing attention in the agribusiness sector. This is mainly due to a widespread discontent with the industrialization of agricultural production and food processing and growing public pressure on agribusiness firms to implement more sustainable management practices. In this paper we present the results of an explorative empirical study of sustainability management in German agribusiness firms. The study shows that agribusiness firms have developed a broad understanding of sustainability management and perceive a multi-facetted spectrum of societal demands they have to meet. The most important arguments for implementing more sustainable management practices are that companies have to make sure that they are trusted by society in the long run and that the perception of a company by external stakeholders has become more and more important. The companies surveyed know quite a number of sustainability programmes and standards, but the number of companies that actually participate in these initiatives is much smaller. Nonetheless, the majority of the respondents feels that their company is more successful with regard to sustainability management than industry average.

Sustainable Management of Food

Science.gov (United States)

To provide information to organizations to help them implement sustainable food management, including joining the Food Recovery Challenge. To provide education and information to communities and concerned citizens.

Sustaining self-management in diabetes mellitus.

Science.gov (United States)

Mitchell-Brown, Fay

2014-01-01

Successful management of diabetes depends on the individual's ability to manage and control symptoms. Self-management of diabetes is believed to play a significant role in achieving positive outcomes for patients. Adherence to self-management behaviors supports high-quality care, which reduces and delays disease complications, resulting in improved quality of life. Because self-management is so important to diabetes management and involves a lifelong commitment for all patients, health care providers should actively promote ways to maintain and sustain behavior change that support adherence to self-management. A social ecological model of behavior change (McLeroy, Bibeau, Steckler, & Glanz, 1988) helps practitioners provide evidence-based care and optimizes patients' clinical outcomes. This model supports self-management behaviors through multiple interacting interventions that can help sustain behavior change. Diabetes is a complex chronic disease; successful management must use multiple-level interventions.

ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

An Insight into Communication Barriers between Bank Managers and their Customers.

Science.gov (United States)

Golen, Steven

1987-01-01

The study attempted to identify specific industry-related communication problems of bank managers. A questionnaire was completed by 193 managers identifying perceived communication barriers and relative importance of each. Resistance to change and tendency not to listen were considered serious barriers. (CH)

Managing Natural Resources for Sustainable Livelihoods: Uniting ...

International Development Research Centre (IDRC) Digital Library (Canada)

31 juil. 2003 ... Management of local resources has a greater chance of a sustainable outcome when there is partnership between local people and external agencies, and agendas relevant to their aspirations and circumstances. Managing Natural Resources for Sustainable Livelihoods analyses and extends this premise ...

Utilizing Radiofrequency Identification Technology to Improve Safety and Management of Blood Bank Supply Chains.

Science.gov (United States)

Coustasse, Alberto; Meadows, Pamela; Hall, Robert S; Hibner, Travis; Deslich, Stacie

2015-11-01

The importance of efficiency in the supply chain of perishable products, such as the blood products used in transfusion services, cannot be overstated. Many problems can occur, such as the outdating of products, inventory management issues, patient misidentification, and mistransfusion. The purpose of this article was to identify the benefits and barriers associated with radiofrequency identification (RFID) usage in improving the blood bank supply chain. The methodology for this study was a qualitative literature review following a systematic approach. The review was limited to sources published from 2000 to 2014 in the English language. Sixty-five sources were found, and 56 were used in this research study. According to the finding of the present study, there are numerous benefits and barriers to RFID utilization in blood bank supply chains. RFID technology offers several benefits with regard to blood bank product management, including decreased transfusion errors, reduction of product loss, and more efficient inventory management. Barriers to RFID implementation include the cost associated with system implementation and patient privacy issues. Implementation of an RFID system can be a significant investment. However, when observing the positive impact that such systems may have on transfusion safety and inventory management, the cost associated with RFID systems can easily be justified. RFID in blood bank inventory management is vital to ensuring efficient product inventory management and positive patient outcomes.

Recharge Net Metering to Incentivize Sustainable Groundwater Management

Science.gov (United States)

Fisher, A. T.; Coburn, C.; Kiparsky, M.; Lockwood, B. S.; Bannister, M.; Camara, K.; Lozano, S.

2016-12-01

Stormwater runoff has often been viewed as a nuisance rather than a resource, but with passage of the Sustainable Groundwater Management Act (2014), many basins in California are taking a fresh look at options to enhance groundwater supplies with excess winter flows. In some basins, stormwater can be used for managed aquifer recharge (MAR), routing surface water to enhance groundwater resources. As with many public infrastructure programs, financing for stormwater-MAR projects can be a challenge, and there is a need for incentives that will engage stakeholders and offset operation and maintenance costs. The Pajaro Valley Water Management Agency (PVWMA), in central costal California, recently launched California's first Recharge Net Metering (ReNeM) program. MAR projects that are part of the ReNeM program are intended to generate ≥100 ac-ft/yr of infiltration benefit during a normal water year. A team of university and Resource Conservation District partners will collaborate to identify and assess potential project sites, screening for hydrologic conditions, expected runoff, ease and cost of project construction, and ability to measure benefits to water supply and quality. The team will also collect data and samples to measure the performance of each operating project. Groundwater wells within the PVWMA's service area are metered, and agency customers pay an augmentation fee for each unit of groundwater pumped. ReNeM projects will earn rebates of augmentation fees based on the amount of water infiltrated, with rebates calculated using a formula that accounts for uncertainties in the fate of infiltrated water, and inefficiencies in recovery. The pilot ReNeM program seeks to contribute 1000 ac-ft/yr of infiltration benefit by the end of the initial five-year operating period. ReNeM offers incentives that are distinct from those derived from traditional groundwater banking, and thus offers the potential for an innovative addition to the portfolio of options for

Risiko Likuiditas Bank dan Asset Liabilities Management

OpenAIRE

Lesmana, Iwan

2007-01-01

Uquidity is of critical importance to companies in the banking services sector. Most failures of financialintermediaries have occured in large part due to insufficient liquidity resulting from adverse circumstances.Goldman Sachs has in piace a comprehensive set of liquidity and funding policies that are intended tomaintain significant flexibility to address specific and broader industry or market liquidity events.In asset liabilities mal1agement or liquidity management, liquidity risk is mana...

THE IMPORTANCE OF THE LIQUIDITY RISK IN THE MANAGEMENT OF THE CREDIT INSTITUTIONS

Directory of Open Access Journals (Sweden)

Costea Ciprian-Dan

2013-03-01

Full Text Available The credit institutions management faces nowadays new and important challenges, of which the most important is the central role the liquidity risk management takes in the overall banking management complexity. This shows that liquidity risk in at the top of attention in the modern banking management, all the other banking risks being subsequent to this one. International regulations and settlers come to sustain the rising importance of liquidity risk in modern credit institution management.

Discretionary Actions in Measuring Derivatives as a Mechanism for Earnings Management in Banks

Directory of Open Access Journals (Sweden)

José Alves Dantas

2013-03-01

Full Text Available The paper has the purpose of identifying whether Brazilian banks use discretionary accounting choices when recognizing and measuring derivatives for practicing earnings management and which are the determinants of this practice. Using a two-stage model to segregate the discretionary part in the estimated fair value of derivatives and based on information from the third quarter of 2002 to the fourth quarter of 2010, the empirical results confirm the reversing nature of these discretionary actions, show that banks utilize this type of action as a mechanism for earnings smoothing, and disclose that this practice is more common in private institutions, smaller in asset size and with lower capitalization. The evidence advances with respect to the previous literature, which have identified the use of derivatives in practicing earnings management by banks, but have not associated this practice to discretionary actions by the management.

PENGARUH CUSTOMER RELATIONSHIP MANAGEMENT DAN KUALITAS PELAYANAN TERHADAP LOYALITAS NASABAH PADA PT BANK SULSELBAR CABANG PANGKEP

OpenAIRE

MASWAR, ALFIANI

2016-01-01

2016 Pengaruh Customer Relationship Management dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Pada PT Bank Sulselbar Cabang Pangkep Alfiani Maswar Indrianty Sudirman Abdul Razak Munir Penelitian ini bertujuan untuk mengetahui pengaruh Customer Relationship Management dan Kualitas Pelayanan terhadap Loyalitas Nasabah pada PT. Bank Sulselbar Cabang Pangkep dan untuk menentukan manakah dari variabel variabel dari Customer Relationship Management dan Kualitas Pel...

Bank supervision using the Threshold-Minimum Dominating Set

Science.gov (United States)

Gogas, Periklis; Papadimitriou, Theophilos; Matthaiou, Maria-Artemis

2016-06-01

An optimized, healthy and stable banking system resilient to financial crises is a prerequisite for sustainable growth. Minimization of (a) the associated systemic risk and (b) the propagation of contagion in the case of a banking crisis are necessary conditions to achieve this goal. Central Banks are in charge of this significant undertaking via a close and detailed monitoring of the banking network. In this paper, we propose the use of an auxiliary supervision/monitoring system that is both efficient with respect to the required resources and can promptly identify a set of banks that are in distress so that immediate and appropriate action can be taken by the supervising authority. We use the network defined by the interrelations between banking institutions employing tools from Complex Networks theory for an efficient management of the entire banking network. In doing so, we introduce the Threshold Minimum Dominating Set (T-MDS). The T-MDS is used to identify the smallest and most efficient subset of banks that can be used as (a) sensors of distress of a manifesting banking crisis and (b) provide a path of possible contagion. We propose the use of this method as a supplementary monitoring tool in the arsenal of a Central Bank. Our dataset includes the 122 largest American banks in terms of their interbank loans. The empirical results show that when the T-MDS methodology is applied, we can have an efficient supervision of the whole banking network, by monitoring just a subset of 47 banks.

17 CFR 240.17i-4 - Internal risk management control system requirements for supervised investment bank holding...

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Internal risk management... Supervised Investment Bank Holding Company Rules § 240.17i-4 Internal risk management control system...) As part of its internal risk management control system, a supervised investment bank holding company...

Towards Sustainable Flow Management: Local Agenda 21 - Conclusions

DEFF Research Database (Denmark)

Moss, Timothy; Elle, Morten

1998-01-01

Concluding on the casestudies of Local Agenda 21 as an instrument of sustainable flow management......Concluding on the casestudies of Local Agenda 21 as an instrument of sustainable flow management...

Sustainable Flow Management in a Danish Perspective

DEFF Research Database (Denmark)

Elle, Morten

1998-01-01

The paper discusses the basic results of the Sustainable Flow Management project in relation to future planning of energy and resource flows in municipalities......The paper discusses the basic results of the Sustainable Flow Management project in relation to future planning of energy and resource flows in municipalities...

Toward A Science of Sustainable Water Management

Science.gov (United States)

Brown, C.

2016-12-01

Societal need for improved water management and concerns for the long-term sustainability of water resources systems are prominent around the world. The continued susceptibility of society to the harmful effects of hydrologic variability, pervasive concerns related to climate change and the emergent awareness of devastating effects of current practice on aquatic ecosystems all illustrate our limited understanding of how water ought to be managed in a dynamic world. The related challenges of resolving the competition for freshwater among competing uses (so called "nexus" issues) and adapting water resources systems to climate change are prominent examples of the of sustainable water management challenges. In addition, largely untested concepts such as "integrated water resources management" have surfaced as Sustainable Development Goals. In this presentation, we argue that for research to improve water management, and for practice to inspire better research, a new focus is required, one that bridges disciplinary barriers between the water resources research focus on infrastructure planning and management, and the role of human actors, and geophysical sciences community focus on physical processes in the absence of dynamical human response. Examples drawn from climate change adaptation for water resource systems and groundwater management policy provide evidence of initial progress towards a science of sustainable water management that links improved physical understanding of the hydrological cycle with the socioeconomic and ecological understanding of water and societal interactions.

Empirical Essays on the Stock Returns, Risk Management, and Liquidity Creation of Banks

NARCIS (Netherlands)

Y. Xu (Ying)

2010-01-01

textabstractThis thesis consists of three studies that respectively investigate the stock returns, risk management, and liquidity creation of banks. Chapter 2 focuses on the cross-section of bank stock returns and found that pricing factors such as leverage and beta, shown to be irrelevant to

Sustainable energy management - a prerequisite for the realization Kyoto Protocol

Directory of Open Access Journals (Sweden)

Mirjana Golušin

2012-07-01

Full Text Available Energy management can be defined as the process of planning, directing, implementing and controlling the process of generation, transmission and energy consumption. Energy management is a kind of synthesis of phenomena and concepts of modern energy management (management, or the use of modern settings management in the energy sector. Furthermore, when outlining the basic settings for power management Modern management is based on the assumptions of sustainability and conservation of energy stability for present and future generations. Therefore, modern energy management can be seen as a kind of synthesis of three actuarial sciences: energy, sustainable development and management. Sustainable Energy Management is a unique new concept, idea and approach that require many changes in the traditional way of understanding and interpretation of energy management at all levels. Sustainable energy management concept can not therefore be construed as an adopted and defined the concept, but must be constantly modified and adjusted in accordance with changes in the three areas that define it, and in accordance with the specific country or region where applicable. Accordingly, sustainable energy management can be defined as the process of energy management that is based on fundamental principles of sustainable development.

Modeling Factors with Influence on Sustainable University Management

Directory of Open Access Journals (Sweden)

Oana Dumitrascu

2015-01-01

Full Text Available The main objective of this paper is to present the factors with influence on the sustainable university management and the relationships between them. In the scientific approach we begin from a graphical model, according to which the extracurricular activities together with internal environmental factors influence students’ involvement in such activities, the university attractiveness, their academic performance and their integration into the socially-economic and natural environment (components related with sustainable development. The model emphasizes that individual performances, related to students’ participation in extracurricular activities, have a positive influence on the sustainability of university management. The results of the study have shown that the university sustainability may be influenced by a number of factors, such as students’ performance, students’ involvement in extracurricular activities or university’s attractiveness and can in turn influence implicitly also the sustainability of university management. The originality of the paper consists in the relationships study using the modeling method in general and informatics tools of modeling in particular, as well as through graphical visualization of some influences, on the sustainability university management.

The Implementation of Knowledge Strategy-Based Entrepreneurial Capacity to Achieve Sustainable Competitive Advantage

OpenAIRE

Widodo

2013-01-01

This study aims to develop a model of knowledge strategy-based entrepreneurial capacity to achieve sustainable competitive advantage of rurol banking in Central Java province. The sampling method is ‘‘Purposive sampling’’ by considering the characteristics of the population items, namely: operational experience for at least 5 years and representatives of each area of rurol banking in Semarang, Surakarta and Purwokerto. Then, the sample size is 150 of 251 (59.7%) of top managers of rurol bank...

Management innovation driving sustainable supply management

NARCIS (Netherlands)

Koster, Mieneke; Vos, Bart; Schroeder, Roger

2017-01-01

Although research in the area of sustainable supply management (SSM) has evolved over the past few decades, knowledge about the processes of emergence and innovation of SSM practices within organizations is surprisingly limited. These innovation processes are, however, important because of the

Sustainability assessment in forest management based on individual preferences.

Science.gov (United States)

Martín-Fernández, Susana; Martinez-Falero, Eugenio

2018-01-15

This paper presents a methodology to elicit the preferences of any individual in the assessment of sustainable forest management at the stand level. The elicitation procedure was based on the comparison of the sustainability of pairs of forest locations. A sustainability map of the whole territory was obtained according to the individual's preferences. Three forest sustainability indicators were pre-calculated for each point in a study area in a Scots pine forest in the National Park of Sierra de Guadarrama in the Madrid Region in Spain to obtain the best management plan with the sustainability map. We followed a participatory process involving fifty people to assess the sustainability of the forest management and the methodology. The results highlighted the demand for conservative forest management, the usefulness of the methodology for managers, and the importance and necessity of incorporating stakeholders into forestry decision-making processes. Copyright © 2017 Elsevier Ltd. All rights reserved.

Working Capital Management of SriLakshminarayana Cooperative Urban Bank Ltd.,Tiruvarur

OpenAIRE

Nagarajapillai, Ramu

2007-01-01

In fact, under the new competitive pressures in Urban Cooperative Banks (UCBs) to enhance their overall efficiency pose serious challenges. Since the operational efficiency of the UCB is crucial in ensuring adequate and timely flow of credit to urban and semi-urban people for diverse purposes, intensive observation on their performance deserves serious consideration. In this context, present study examined management of resources of the Sri Lakshminarayana Cooperative Urban Bank Ltd. (SLNCUB)...

Important features of Sustainable Aggregate Resource Management

Science.gov (United States)

Solar, Slavko V.; Shields, Deborah J.; Langer, William H.

2004-01-01

Every society, whether developed, developing or in a phase of renewal following governmental change, requires stable, adequate and secure supplies of natural resources. In the latter case, there could be significant need for construction materials for rebuilding infrastructure, industrial capacity, and housing. It is essential that these large-volume materials be provided in a rational manner that maximizes their societal contribution and minimizes environmental impacts. We describe an approach to resource management based on the principles of sustainable developed. Sustainable Aggregate Resource Management offers a way of addressing the conflicting needs and interests of environmental, economic, and social systems. Sustainability is an ethics based concept that utilizes science and democratic processes to reach acceptable agreements and tradeoffs among interests, while acknowledging the fundamental importance of the environment and social goods. We discuss the features of sustainable aggregate resource management.

Important Features of Sustainable Aggregate Resource Management

Directory of Open Access Journals (Sweden)

Slavko V. Šolar

2004-06-01

Full Text Available Every society, whether developed, developing or in a phase of renewal following governmental change, requires stable, adequate and secure supplies of natural resources. In the latter case, there could be significant need for construction materials for rebuilding infrastructure, industrial capacity, and housing. It is essential that these large-volume materials be provided in a rational manner that maximizes their societal contribution and minimizes environmental impacts. We describe an approach to resource management based on the principles of sustainable development. Sustainable Aggregate Resource Management offers a way of addressing the conflicting needs and interests of environmental, economic, and social systems. Sustainability is an ethics based concept that utilizes science and democratic processes to reach acceptable agreements and tradeoffs among interests, while acknowledging the fundamental importance of the environment and social goods. We discuss the features of sustainable aggregate resource management.

Sustainable forest management in Serbia: State and potentials

Directory of Open Access Journals (Sweden)

Medarević Milan

2008-01-01

Full Text Available Starting from the internationally adopted definition of sustainable forest management, this paper points to the demands of sustainable forest management that can be satisfied by meeting the definite assumptions. The first part presents the objectives of forest and woodland management planning and utilisation, hunting management, and protection of protected areas, as well as the all-inclusive compatible goals of forest policy in Serbia. The second part presents the analysis of the present state of forests in Serbia, in relation to the Pan-European criteria for the assessment of sustainability, and the potentials of our forests to meet all the demands.

Green banking

Directory of Open Access Journals (Sweden)

Maja Drobnjaković

2013-06-01

Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices.

Directory of Open Access Journals (Sweden)

Abdul Kadar Muhammad Masum

Full Text Available The paper aims to examine the influence of human resource management (HRM practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833. On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks.

Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices

Science.gov (United States)

Muhammad Masum, Abdul Kadar; Azad, Md. Abul Kalam; Hoque, Kazi Enamul; Beh, Loo-See

2015-01-01

The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833). On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests) also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks. PMID:26221727

Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices.

Science.gov (United States)

Masum, Abdul Kadar Muhammad; Azad, Md Abul Kalam; Hoque, Kazi Enamul; Beh, Loo-See

2015-01-01

The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833). On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests) also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks.

Sustainability and the facilities management in Malaysia

Directory of Open Access Journals (Sweden)

Asbollah Asra Zaliza

2016-01-01

Full Text Available Facilities Management (FM in the industry of environment involves numerous expertise, especially from the management side. Other than that, technology and finance are the other factors involved as well. One essential aspect of FM, other than the emphasis on technical operation, is its performance. In parallel, the performance does impact occupant behaviour and, at the same time, this performance does affect the environment. In short, this indicates that FM is in a key position to participate in delivering a sustainable environment for the industry of built environment. Sustainable facilities Management (SFM is crucial because buildings consume more resources which will, in consequence, negatively impact the environment and generate large amounts of waste. This justifies the importance of sustainability under the umbrella of facilities management. However, FM is quite new in Malaysia’s environment. Government agencies, such as JKR, have adopted and are practicing FM at the moment. Fortunately, there has been an increasing trend and awareness of SFM adoption. Therefore, this paper aims to understand and identify the contribution and practices of Sustainable Facilities Management (SFM in Malaysia; focusing on the development taken in regards to SFM.

Sustainability in Supply Chain Management: Aggregate Planning from Sustainability Perspective.

Science.gov (United States)

Türkay, Metin; Saraçoğlu, Öztürk; Arslan, Mehmet Can

2016-01-01

Supply chain management that considers the flow of raw materials, products and information has become a focal issue in modern manufacturing and service systems. Supply chain management requires effective use of assets and information that has far reaching implications beyond satisfaction of customer demand, flow of goods, services or capital. Aggregate planning, a fundamental decision model in supply chain management, refers to the determination of production, inventory, capacity and labor usage levels in the medium term. Traditionally standard mathematical programming formulation is used to devise the aggregate plan so as to minimize the total cost of operations. However, this formulation is purely an economic model that does not include sustainability considerations. In this study, we revise the standard aggregate planning formulation to account for additional environmental and social criteria to incorporate triple bottom line consideration of sustainability. We show how these additional criteria can be appended to traditional cost accounting in order to address sustainability in aggregate planning. We analyze the revised models and interpret the results on a case study from real life that would be insightful for decision makers.

Sustainability in Supply Chain Management: Aggregate Planning from Sustainability Perspective

Science.gov (United States)

Türkay, Metin; Saraçoğlu, Öztürk; Arslan, Mehmet Can

2016-01-01

Supply chain management that considers the flow of raw materials, products and information has become a focal issue in modern manufacturing and service systems. Supply chain management requires effective use of assets and information that has far reaching implications beyond satisfaction of customer demand, flow of goods, services or capital. Aggregate planning, a fundamental decision model in supply chain management, refers to the determination of production, inventory, capacity and labor usage levels in the medium term. Traditionally standard mathematical programming formulation is used to devise the aggregate plan so as to minimize the total cost of operations. However, this formulation is purely an economic model that does not include sustainability considerations. In this study, we revise the standard aggregate planning formulation to account for additional environmental and social criteria to incorporate triple bottom line consideration of sustainability. We show how these additional criteria can be appended to traditional cost accounting in order to address sustainability in aggregate planning. We analyze the revised models and interpret the results on a case study from real life that would be insightful for decision makers. PMID:26807848

Strategi Pengembangan Bank Sampah di Wilayah Depok

Directory of Open Access Journals (Sweden)

Linda Fitrina Hasnam

2017-09-01

Full Text Available Waste is a global problem in all countries, including Indonesia, because the accumulation of waste generated is directly proportional to the number of Indonesian population reached 256 million in 2015. The purpose of this study was to identify factors EFE and IFE waste banks in order to survive and sustainable (sustain. Data collection techniques using FGD, expert interviews and questionnaires by WPL Waste Bank customers and their auxiliaries. Data analysis using SWOT and AHP to determine in detail the strategies and priorities for the development activities of the waste bank. The results of the analysis EFE and IFE waste banks shows that this activity is stable and has the potential to grow and develop with consistent with the activities that have taken place, has business planning and development purposes for waste banks, expanding the network of relationships or networking with outsiders and penetration and market development to drive Sales of products of waste processing.Keywords: waste bank, community empowerment, social entrepreneurship, SWOT, AHPAbstrak: Sampah adalah masalah global di semua negara termasuk Indonesia, sebab akumulasi sampah yang dihasilkan berbanding lurus dengan jumlah penduduk Indonesia yang mencapai 256 juta jiwa pada tahun 2015. Tujuan penelitian ini adalah untuk mengidentifikasi faktor EFE dan IFE bank sampah agar dapat bertahan serta berkelanjutan (sustain. Teknik pengumpulan data menggunakan FGD, wawancara pakar dan pengisian kuesioner oleh nasabah Bank Sampah WPL dan binaannya. Analisis data menggunakan metode SWOT dan AHP untuk menentukan strategi secara detail dan prioritas utama pengembangan kegiatan bank sampah. Hasil analisis EFE dan IFE bank sampah menunjukkan bahwa kegiatan ini berpotensi untuk tumbuh dan berkembang dengan tetap konsisten melakukan kegiatan yang telah berlangsung, memiliki perencanaan bisnis dan tujuan pengembangan bank sampah, memperluas jaringan hubungan atau networking dengan pihak luar

Sustainable Capture: Concepts for Managing Stream-Aquifer Systems.

Science.gov (United States)

Davids, Jeffrey C; Mehl, Steffen W

2015-01-01

Most surface water bodies (i.e., streams, lakes, etc.) are connected to the groundwater system to some degree so that changes to surface water bodies (either diversions or importations) can change flows in aquifer systems, and pumping from an aquifer can reduce discharge to, or induce additional recharge from streams, springs, and lakes. The timescales of these interactions are often very long (decades), making sustainable management of these systems difficult if relying only on observations of system responses. Instead, management scenarios are often analyzed based on numerical modeling. In this paper we propose a framework and metrics that can be used to relate the Theis concepts of capture to sustainable measures of stream-aquifer systems. We introduce four concepts: Sustainable Capture Fractions, Sustainable Capture Thresholds, Capture Efficiency, and Sustainable Groundwater Storage that can be used as the basis for developing metrics for sustainable management of stream-aquifer systems. We demonstrate their utility on a hypothetical stream-aquifer system where pumping captures both streamflow and discharge to phreatophytes at different amounts based on pumping location. In particular, Capture Efficiency (CE) can be easily understood by both scientists and non-scientist alike, and readily identifies vulnerabilities to sustainable stream-aquifer management when its value exceeds 100%. © 2014, National Ground Water Association.

Incorporating permaculture and strategic management for sustainable ecological resource management.

Science.gov (United States)

Akhtar, Faiza; Lodhi, Suleman A; Khan, Safdar Shah; Sarwar, Farhana

2016-09-01

Utilization of natural assets to the best efficient level without changing natural balance has become a critical issue for researchers as awareness on climate change takes central position in global debate. Conventional sustainable resource management systems are based on neoclassical economic approach that ignores the nature's pattern and therefore are not actually capable of sustainable management of resources. Environmentalists are lately advocating incorporation of Permaculture as holistic approach based on ethics, equitable interaction with eco-systems to obtain sustainability. The paper integrates philosophy of permaculture with strategic management frameworks to develop a pragmatic tool for policy development. The policy design tool augments management tasks by integrating recording of natural assets, monitoring of key performance indicators and integration of sectorial policies in real time, bringing out policy as a truly live document. The tool enhances the edifice process, balancing short term viewpoints and long term development to secure renewability of natural resources. Copyright © 2016 Elsevier Ltd. All rights reserved.

Sustainable mining management

International Nuclear Information System (INIS)

Tejera Oliver, J. L.

2009-01-01

Mining activities are carried out by the older man and have provided resources, since ancient times, for their development and progress. With the discovery of fire will show the first metals that have marked the civilizations of copper, bronze and iron, and is the prehistory of the Stone Age tools that man has made from the exploitation of quarries first. The industrial revolution of the nineteenth century is linked to coal and steel, and could not conceiver of todays society without oil and gas, without silicon and coltan. But the mines are often aggressive and, despite their need and what they contribute to the development are answered by the societies where are made. during recent years there has been growing international efforts to try to make the minimum requirements of sustainable exploitation (European Directives, GMI, GRI, etc.) In AENOR, and within the Technical Committee of Standardization 22 Mining and Explosives, chaired by AITEMIN, was established the subcommittee 3, chaired by IGME, where, with the participation of all stake holders, have developed some standards on sustainable mining management sustainable mining that will be a tool available to mining companies to demonstrate their sustainable use to Society. (Author)

Risk intelligence: How lessons from folktales/fables contribute to the implementation of risk management in banks

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Sivave Mashingaidze

2015-10-01

Full Text Available The objective of this article is to outline credit risk in banks and how fables/folktales can provide with life lessons to implement risk management systems that should act as a stop-gate measure. Banking institutions need to show how proactively managing risk becomes a cornerstone to explore opportunities, rather than simply avoiding dynamites. Risk Intelligence gives companies the confidence to harness risk to explore new opportunities. Lessons were provided from folktales/fables from the animal kingdom. The article adopted a literature review methodology and the results were that, for a business to be successful the medicine does not lie in the policies but the therapy lies in the spirit of oneness in the banks from top management down to the shop floor employee in the branch. By working together the banks can afford to curb credit risks.

The Bank of Canada's Management of Foreign Currency Reserves

OpenAIRE

Jacobo De León

2001-01-01

This article describes the Bank's management of the liquid foreign currency portion of the government's official reserves. It broadly outlines the operations of the Exchange Fund Account (EFA), the main account in which Canada's reserves are held. It then briefly reviews the evolution of the objectives and management of the EFA over the past 25 years, particularly in light of the changing level of reserves and developments in financial markets. The EFA is funded by Canada's foreign currency b...

The measurement of emotional reactions of bank clients

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Marinković Veljko

2014-01-01

Full Text Available Focus on customers is an important factor in gaining sustainable competitive advantage of retail banks. Modern marketing-oriented banks have to be focused towards understanding and meeting the financial requirements of their clients. Attention of bank management should also be directed towards the study of quality of relationships between a bank and its clients. In this context, it is important to measure emotional reactions of clients. The aim of this paper is to identify the key drivers of emotional reactions. Specifically, two emotional reactions are observed in the paper: satisfaction and affective commitment. In the conducted study, two research models that include four independent variables (service quality, bank image, trust and social bonds are designed, wherein satisfaction is regarded as dependent variable in the first model, while affective commitment is given the role of dependent variable in the second model. The results indicate a moderate degree of satisfaction, but also a low level of affective commitment of the respondents. In addition, trust is stressed as the most important factor of emotional reactions. On the other hand, clients believe that banks provide a good quality service, where the quality stands out as an important driver of satisfaction, but not as a driver of affective commitment.

Sustainable Forest Management in Cameroon Needs More than Approved Forest Management Plans

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Paolo Omar. Cerutti

2008-12-01

Full Text Available One of the main objectives of the 1994 Cameroonian forestry law is to improve the management of production forests by including minimum safeguards for sustainability into compulsory forest management plans. As of 2007, about 3.5 million hectares (60% of the productive forests are harvested following the prescriptions of 49 approved management plans. The development and implementation of these forest management plans has been interpreted by several international organizations as long awaited evidence that sustainable management is applied to production forests in Cameroon. Recent reviews of some plans have concluded, however, that their quality was inadequate. This paper aims at taking these few analyses further by assessing the actual impacts that approved management plans have had on sustainability and harvesting of commercial species. We carry out an assessment of the legal framework, highlighting a fundamental flaw, and a thorough comparison between data from approved management plans and timber production data. Contrary to the principles adhered to by the 1994 law, we find that the government has not yet succeeded in implementing effective minimum sustainability safeguards and that, in 2006, 68% of the timber production was still carried out as though no improved management rules were in place. The existence of a number of approved management plans cannot be used a proxy for proof of improved forest management.

Banks’ internal controls and risk management: Value-added functions in Italian credit cooperative banks

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Rosaria Cerrone

2013-12-01

Full Text Available A critical component of safe and sound bank management is constituted by an effective and efficient system of internal controls, which help to ensure that the goals and objectives of a bank will be met, that long-term profitability targets will be achieved, and maintain reliable financial and managerial reporting. Such a system can also ensure that the bank will comply with laws and regulations as well as policies, plans, internal rules and procedures, and decrease the risk of unexpected losses or damage to the bank’s reputation. The paper describes the essential elements of a sound internal control system and through a qualitative approach, it shows how is tied to the rules attaining capital requirements and, above all, to the purpose of the Internal Capital Adequacy Assessment Process (ICAAP which aims at determining the adequate capitalisation of a bank given the risks endured as well as future risks arising from growth, and new business lines. After the recent financial crisis ICAAP is becoming more and more relevant and a central component of an effective strategy for managing risk and creating value. All principles and considerations are referred to Italian Credit Cooperative Banks particular both for dimension and for governance and risk management. They have been contacted though local federations and the results confirm the existing of weakness in internal controls.

Is environmental management an economically sustainable business?

Science.gov (United States)

Gotschol, Antje; De Giovanni, Pietro; Esposito Vinzi, Vincenzo

2014-11-01

This paper investigates whether environmental management is an economically sustainable business. While firms invest in green production and green supply chain activities with the primary purpose of reducing their environmental impact, the reciprocal relationships with economic performance need to be clarified. Would firms and suppliers adjust their environmental strategies if the higher economic value that environmental management generates is reinvested in greening actions? We found out that environmental management positively influences economic performance as second order (long term) target, to be reached conditioned by higher environmental performance; in addition, firms can increase their performance if they reinvest the higher economic value gained through environmental management in green practices: While investing in environmental management programs is a short term strategy, economic rewards can be obtained only with some delays. Consequently, environmental management is an economically sustainable business only for patient firms. In the evaluation of these reciprocal relationships, we discovered that green supply chain initiatives are more effective and more economically sustainable than internal actions. Copyright © 2014 Elsevier Ltd. All rights reserved.

Nordic Management and Sustainable Business

DEFF Research Database (Denmark)

Preuss, Bjørn

2017-01-01

of the Nordics and from that wants to answer if this management approach fosters a sustainable business culture. For defining the management and cultural approach applied in Nordic companies, the method of text mining in relation with machine learning will be used. Among European companies, the Nordic companies...

Sustainability issues for resource managers.

Science.gov (United States)

Daniel L. Bottom; Gordon H. Reeves; Martha H. Brookes

1996-01-01

Throughout their history, conservation science and sustainable-yield management have failed to maintain the productivity of living resources. Repeated overexploitation of economic species, loss of biological diversity, and degradation of regional environments now call into question the economic ideas and values that have formed the foundation of scientific management...

Banking on the equator. Are banks that adopted the equator principles different from non-adopters?

NARCIS (Netherlands)

Scholtens, B.; Dam, L.

We analyze the performance of banks that adopted the Equator Principles. The Equator Principles are designed to assure sustainable development in project finance. The social, ethical, and environmental policies of the adopters differ significantly from those of banks that did not adopt the Equator

Evaluating Water Management Practice for Sustainable Mining

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Xiangfeng Zhang

2014-02-01

Full Text Available To move towards sustainable development, the mining industry needs to identify better mine water management practices for reducing raw water use, increasing water use efficiency, and eliminating environmental impacts in a precondition of securing mining production. However, the selection of optimal mine water management practices is technically challenging due to the lack of scientific tools to comprehensively evaluate management options against a set of conflicting criteria. This work has provided a solution to aid the identification of more sustainable mine water management practices. The solution includes a conceptual framework for forming a decision hierarchy; an evaluation method for assessing mine water management practices; and a sensitivity analysis in view of different preferences of stakeholders or managers. The solution is applied to a case study of the evaluation of sustainable water management practices in 16 mines located in the Bowen Basin in Queensland, Australia. The evaluation results illustrate the usefulness of the proposed solution. A sensitivity analysis is performed according to preference weights of stakeholders or managers. Some measures are provided for assessing sensitivity of strategy ranking outcomes if the weight of an indicator changes. Finally, some advice is given to improve the mine water management in some mines.

Managing organizational errors: Three theoretical lenses on a bank collapse

OpenAIRE

Giolito, Vincent

2015-01-01

Errors have been shown to be a major source of organizational disasters, yet scant research has paid attention to the management of errors that is, what managers do once errors have occurred and how actions may determine outcomes. In an early attempt to build a theory of the management of organizational errors, this paper examines how extant theory applies to the collapse of a bank. The financial industry was chosen because of the systemic risks it entails, as demonstrated by the financial cr...

Practical Implementation of Sustainable Urban Management Tools

DEFF Research Database (Denmark)

Nielsen, Susanne Balslev; Jensen, Jesper Ole; Hoffmann, Birgitte

2006-01-01

The paper discusses how to promote the use of decision support tools for urban sustainable development. The interest in decision support tools based on indicators is increasing among practitioners and researchers. The research has so far focused on indicator types and systems of indicators...... and goals for urban sustainability whereas less focus has been on the context of implementation and even less on what we can learn from practical experiences about the usefulness of urban sustainable indicator tools. This paper explores the practical implementation of urban sustainable management tools....... It is generally agreed that in order to make indicators and other sustainability management tools work it is necessary that they are integrated in the relevant urban organisational levels, in a way that creates commitment to the subsequent goals. This includes involvement of organisations, individuals and other...

Corporate Social Responsibility in the Banking Sector

OpenAIRE

Csaba Lentner; Krisztina Szegedi; Tibor Tatay

2015-01-01

As countries of the world used large amounts of public funds to manage the 2008 financial crisis, public debt has risen to a critical level in many of them. Due to the drop in real economy, several countries faced unemployment and economic fallback that are still unresolved to this day. After the crisis, many were concerned how to restore the confidence in financial institutions and how banks can better contribute to sustainable social and economic growth. This paper discusses corporate socia...

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

Sustainability in Supply Chain Management: Aggregate Planning from Sustainability Perspective.

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Metin Türkay

Full Text Available Supply chain management that considers the flow of raw materials, products and information has become a focal issue in modern manufacturing and service systems. Supply chain management requires effective use of assets and information that has far reaching implications beyond satisfaction of customer demand, flow of goods, services or capital. Aggregate planning, a fundamental decision model in supply chain management, refers to the determination of production, inventory, capacity and labor usage levels in the medium term. Traditionally standard mathematical programming formulation is used to devise the aggregate plan so as to minimize the total cost of operations. However, this formulation is purely an economic model that does not include sustainability considerations. In this study, we revise the standard aggregate planning formulation to account for additional environmental and social criteria to incorporate triple bottom line consideration of sustainability. We show how these additional criteria can be appended to traditional cost accounting in order to address sustainability in aggregate planning. We analyze the revised models and interpret the results on a case study from real life that would be insightful for decision makers.

A Patent Analysis for Sustainable Technology Management

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Junhyeog Choi

2016-07-01

Full Text Available Technology analysis (TA is an important issue in the management of technology. Most R&D (Research & Development policies have depended on diverse TA results. Traditional TA results have been obtained through qualitative approaches such as the Delphi expert survey, scenario analysis, or technology road mapping. Although they are representative methods for TA, they are not stable because their results are dependent on the experts’ knowledge and subjective experience. To solve this problem, recently many studies on TA have been focused on quantitative approaches, such as patent analysis. A patent document has diverse information of developed technologies, and thus, patent is one form of objective data for TA. In addition, sustainable technology has been a big issue in the TA fields, because most companies have their technological competitiveness through the sustainable technology. Sustainable technology is a technology keeping the technological superiority of a company. So a country as well as a company should consider sustainable technology for technological competition and continuous economic growth. Also it is important to manage sustainable technology in a given technology domain. In this paper, we propose a new patent analysis approach based on statistical analysis for the management of sustainable technology (MOST. Our proposed methodology for the MOST is to extract a technological structure and relationship for knowing the sustainable technology. To do this, we develop a hierarchical diagram of technology for finding the causal relationships among technological keywords of a given domain. The aim of the paper is to select the sustainable technology and to create the hierarchical technology paths to sustainable technology for the MOST. This contributes to planning R&D strategy for the sustainability of a company. To show how the methodology can be applied to real problem, we perform a case study using retrieved patent documents related to

Community-based management: under what conditions do Sami pastoralists manage pastures sustainably?

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Vera H Hausner

Full Text Available Community-based management (CBM has been implemented in socio-ecological systems (SES worldwide. CBM has also been the prevailing policy in Sámi pastoral SES in Norway, but the outcomes tend to vary extensively among resource groups ("siidas". We asked why do some siidas self-organize to manage common pool resources sustainably and others do not? To answer this question we used a mixed methods approach. First, in the statistical analyses we analyzed the relationship between sustainability indicators and structural variables. We found that small winter pastures that are shared by few siidas were managed more sustainably than larger pastures. Seasonal siida stability, i.e., a low turnover of pastoralists working together throughout the year, and equality among herders, also contributed to more sustainable outcomes. Second, interviews were conducted in the five largest pastures to explain the relationships between the structural variables and sustainability. The pastoralists expressed a high level of agreement with respect to sustainable policies, but reported a low level of trust and cooperation among the siidas. The pastoralists requested siida tenures or clear rules and sanctioning mechanisms by an impartial authority rather than flexible organization or more autonomy for the siidas. The lack of nestedness in self-organization for managing pastures on larger scales, combined with the past economic policies, could explain why CBM is less sustainable on the largest winter pastures. We conclude that the scale mis-match between self-organization and the formal governance is a key condition for sustainability.

How Does Implementation of Environmental Management System Contribute to Corporate Sustainability Management

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Lucie Vnoučková

2014-01-01

Full Text Available Corporate sustainability management (CSM appears to be an important issue for current management. The aim of the paper is to identify what determinants of sustainability management are examined in the literature and discuss the contribution of environmental management system (EMS to CSM based on experiences of selected Czech organizations with implemented EMS according to ISO 14001. The data for the survey was gathered from 222 organizations (N = 1265 who have already implemented EMS. The results show there is a basic knowledge of sustainability concept in the surveyed Czech organizations. Perceived improvements of EMS implementation in Czech organizations are mainly in the area of environmental performance, economic performance, relationship with involved parties and social issues. Based on the implementation of EMS, the organizations take care about corporate sustainability (about the areas of environmental aspects and impacts of the organization. Improved environmental performance has been linked with process and product cost improvements and lower risk factors.

Public Facilities Management and Action Research for Sustainability

DEFF Research Database (Denmark)

Galamba, Kirsten Ramskov

Current work is the main product of a PhD study with the initial working title ‘Sustainable Facilities Management’ at Centre for Facilities Management – Realdania Research, DTU Management 1. December 2008 – 30. November 2011. Here the notion of Public Sustainable Facilities Management (FM......) is analysed in the light of a change process in a Danish Municipal Department of Public Property. Three years of Action Research has given a unique insight in the reality in a Municipal Department of Public Property, and as to how a facilitated change process can lead to a more holistic and sustainable...

Navigating Sustainability Embeddedness in Management Decision-Making

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Catherine Le Roux

2016-05-01

Full Text Available Sustainability is an essential theme for business. In order to compete, strategies need to be improvised and efficient and effective decisions need to be made for improved sustainability performance. Despite management’s apparent knowledge of this, it appears that challenges persist with sustainability’s embeddedness in decision-making and its implementation in practice. In this study we propose a metaphor applying an integrative view of sustainability as support for management. We offer six antecedents of sustainability embeddedness in decision-making that contribute to building and confirming theory, and also provide a better understanding of current practice around sustainability embeddedness so that strategies can be developed for improved sustainability performance. Employees on all management levels in a stock exchange listed company provided rich empirical data for the study. Through the analysis of data in a case study, antecedents were inductively identified, conceptualized, and presented as using descriptive labels, namely: A True North Destination—a vision of sustainability embeddedness; Mountains—three obstacles; Fog—confusion and complexity; Myopia—shortsightedness; Navigation Necessities—requirements for the journey; and finally, the Chosen Team—selected stakeholders. Sustainability embeddedness was found to be dependent on leadership, the strategy message and structures, performance measures, and policies that support a unified culture for sustainability embeddedness.

A review of sustainable facilities management knowledge and practice

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Baaki Timothy Kurannen

2016-01-01

Full Text Available Sustainability is seen as a far-reaching issue now, and one which the facilities management [FM] profession cannot overlook. This paper explores current sustainable facilities management [SFM] knowledge and practice with specific focus on performance as part of a research focus toward proposing a sustainable FM performance management framework for sustainable healthcare waste management in Malaysia. This paper utilized a review of extant literature on the subject of SFM, FM performance and FM development in Malaysia as source of information. Findings reflect the increasing recognition of the need for the strategic FM function, and how facilities managers are best positioned to drive organizations’ sustainability agendas. In Malaysian context, this recognition is barely evident as findings show FM practice is still immature and predominantly operational. Unlike developed FM markets, FM relevance in Malaysia is being driven by the public sector. Also findings show a disharmony between organizations’ sustainability priority areas and the responsibilities for facilities managers to execute them where the sustainability policy of organizations prioritize one FM service and the facilities managers’ responsibilities prioritize another. As most of SFM implementation is driven by legislation this seems to strengthen the position that, organizations continue to view support services as non-value-adding, as unavoidable liabilities. The implication of this is the pressure on the FM function to continually express its strategic relevance to organizations by tangible value-adding performance output. This creates a new perspective to measuring and managing facilities performance. This paper therefore elevates the importance of FM performance management in SFM context taking into account the peculiar position of the facilities manager. This is seen as a way forward for FM to better express its value to the organization

Ecosystem services in sustainable groundwater management.

Science.gov (United States)

Tuinstra, Jaap; van Wensem, Joke

2014-07-01

The ecosystem services concept seems to get foothold in environmental policy and management in Europe and, for instance, The Netherlands. With respect to groundwater management there is a challenge to incorporate this concept in such a way that it contributes to the sustainability of decisions. Groundwater is of vital importance to societies, which is reflected in the presented overview of groundwater related ecosystem services. Classifications of these services vary depending on the purpose of the listing (valuation, protection, mapping et cetera). Though the scientific basis is developing, the knowledge-availability still can be a critical factor in decision making based upon ecosystem services. The examples in this article illustrate that awareness of the value of groundwater can result in balanced decisions with respect to the use of ecosystem services. The ecosystem services concept contributes to this awareness and enhances the visibility of the groundwater functions in the decision making process. The success of the ecosystem services concept and its contribution to sustainable groundwater management will, however, largely depend on other aspects than the concept itself. Local and actual circumstances, policy ambitions and knowledge availability will play an important role. Solutions can be considered more sustainable when more of the key elements for sustainable groundwater management, as defined in this article, are fully used and the presented guidelines for long term use of ecosystem services are respected. Copyright © 2014 Elsevier B.V. All rights reserved.

Environmental Sustainability Change Management in SMEs: Learning from Sustainability Champions

Science.gov (United States)

Chadee, Doren; Wiesner, Retha; Roxas, Banjo

2011-01-01

This study identifies the change management processes involved in undertaking environmental sustainability (ES) initiatives within Small and Medium Size Enterprises (SMEs) and relate these to the main attributes of learning organisations. Using case study techniques, the study draws from the change management experiences of a sample of 12 ES…

Sustainability of Routine Notification and Request legislation on eye bank tissue supply and corneal transplantation wait times in Canada.

Science.gov (United States)

Lee, Kenneth; Boimer, Corey; Hershenfeld, Samantha; Sharpen, Linda; Slomovic, Allan R

2011-10-01

To assess whether provinces with Routine Notification and Request (RNR) legislation have sustained increases in corneal tissue supply and decreases in wait times for corneal transplantation surgery. Cross-sectional survey of Canadian corneal transplant (CT) surgeons and eye banks. Canadian CT surgeons and representatives from the 10 Canadian eye banks. Voluntary and anonymous surveys were distributed between July and October 2009. Eligible CT surgeons were defined as ophthalmologists who practice in Canada; currently perform Penetrating keratoplasty (PKP), Deep anterior lamellar keratoplasty (DALK), Deep lamellar endothelial keratoplasty (DLEK), Descemet stripping endothelial keratoplasty (DSEK), or Descemet membrane endothelial keratoplasty (DMEK); and have obtained tissues from a Canadian eye bank. From 2006 to 2009, for provinces with RNR legislation and where data are available, mean wait times from date of diagnosis to date of CT surgery have increased: in Ontario, from 31 ± 34 weeks to 36 ± 27 weeks; in British Columbia, from 39 ± 20 weeks to 42 ± 35 weeks; in Manitoba, from 32 ± 23 weeks to 49 ± 36 weeks. In addition, the amount of corneal tissue in RNR provinces suitable for transplant, with the exception of British Columbia, has declined between 2006 and 2008: in Ontario, 1186 tissues to 999 tissues (16% decline); in Manitoba, 92 tissues to 83 tissues (10% decline); in New Brunswick, 129 tissues to 98 tissues (24% decline). Although initially effective, RNR legislation has not sustained an increase in corneal tissue availability nor has it shortened wait times in most provinces. Incorporation of community hospitals into the RNR catchment, improved enforcement, and continued education of hospital staff regarding the RNR process may be effective in making this legislation more sustainable in the long term. Copyright © 2011 Canadian Ophthalmological Society. Published by Elsevier Inc. All rights reserved.

Cash efficiency for bank branches

OpenAIRE

Cabello, Julia Garc?a

2013-01-01

Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks? branches is also a relevant issue as any significant improvement in cash management at the bank ...

Liquidity Risk Management: An Empirical Analysis on Panel Data Analysis and ISE Banking Sector

OpenAIRE

Sibel ÇELİK; Yasemin Deniz AKARIM

2012-01-01

In this paper, we test the factors affecting liquidity risk management in banking sector in Turkey by using panel regression analysis. We use the data for 9 commercial banks traded in Istanbul Stock Exchange for the period 1998-2008. In conclusion, we find that risky liquid assets and return on equity variables are negatively related with liquidity risk. However, external financing and return on asset variables are positively related with liquidity risk. This finding is importance for banks s...

The implementation of sustainability principles in project management

NARCIS (Netherlands)

Gilbert Gilbert Silvius; Debby Goedknegt

2012-01-01

It is becoming clear that the project management practice must embrace sustainability in order to develop into a 'true profession' (Silvius et al., 2012). In project management, sustainability can be gained in both the product of the project and in the process of delivering the product. (Gareis et

Credit risk management in banks from the perspective of jurisprudence

Directory of Open Access Journals (Sweden)

Sovilj Ranko

2017-01-01

Full Text Available The level, structure and nature of problem loans are a significant source of credit risk in the banking business, with the main reason for developing and increasing problem loans indicate the need for a comprehensive and strategic approach to solving them. In addition, the accumulation of problem loans in banks' balance sheets negatively affects the credit activity of banks and, consequently has a negative impact on economic activity, primarily due to reduced availability of possible sources of financing both for companies and for the population. One of the main reasons for the increased credit risk exposure of banks, especially before the outbreak of the subprime crisis, are less developed models for evaluation and measurement of credit risk, as well as a poor assessment of collateral. Therefore, this paper points out to the importance of careful management of credit risk as well as the need to develop appropriate methods and models for the early detection of problem loans and reducing exposure to credit risk. In the last part of the paper, the author provides an overview of the most important collaterals, with specific reference to domestic jurisprudence.

Sustainable Materials Management Challenge Data

Data.gov (United States)

U.S. Environmental Protection Agency — Sustainable Materials Management (SMM) is a systemic approach to using and reusing materials more productively over their entire lifecycles. It represents a change...

THE PECULIARITIES OF STATE MANAGEMENT OF BANKS CAPITALIZATION IN UKRAINE

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Yuriy Radelytskyy

2016-11-01

Full Text Available Research subject. The subject in this article is theoretical, methodical and applied aspects of state management of banks’ capitalization in Ukraine, a consideration which allows the estimate efficiency of Ukrainian banks refinancing and recapitalization, as well as to enunciate practical recommendations concerning an increase of their capitalization level. The purpose is an analysis of government support measures for the domestic bank system; furthermore the search for additional sources of financing bank funds and the development of capitalization level increase in conditions of social and economic transformations. Methodology. In the research there are used general scientific methods of learning economic facts and the use of processes in their steady development and correlation: logic analysis, methods of scientific abstraction, induction, deduction, optimization, grouping and comparison, as well as graphic and tabular methods. Results. The questions of government control in the bank system in the period of the world financial crisis is researched on international level by the Financial Stability Council, Basel Committee on Banking Supervision, specialists of the World Bank and International Monetary Fund. As a result of relative novelty of these problems only a small number of researches is devoted to the use of government bank support instruments and therefore further development of this topic has practical value for improving the renewal mechanisms of financial stability and reliability of the bank system in Ukraine. After the analysis of the government control measures of the domestic bank capitalization, since 2009, and the effectiveness of budget resources segregation on refinancing and recapitalization of bank institutions in Ukraine (including crisis period, it was found out that these mechanisms, unfortunately, did not change much the situation on the bank market. Taking into account the unstable political situation in Ukraine and

The effect of knowledge management on organizational innovation: Evidence from banking industry

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Ali Valipour

2017-11-01

Full Text Available Knowledge management is frequently identified as an important antecedent of innovation. However, few empirical studies have specifically addressed antecedents and consequences of effective knowledge management. Today, domestic organizations are compelled, as well as other international organizations and have to compete to stay in business environment. Hence, they must be innovative. The purpose of this study is to evaluate the effect of knowledge management on employee's innovation in organizations through empowerment as a mediator for a case study of the Agricultural Bank of Qazvin province of Iran. Required information was gathered by a self-made questionnaire adapted and based on conceptual model adapted from previous studies. The population of this study consists of 369 employees of the Agricultural Bank of Qazvin. A total of 200 questionnaires were distributed, in which 188 valid questionnaires were collected. These questionnaires were distributed randomly among the male and female employees in branches of Agricultural Bank. The questionnaire is conducted by factor analysis and the reliability is measured by Cronbach's alpha. The structural equation modeling is used for data analysis. The results reveal the fact that empowerment will lead to employee's innovation. However, other variables did not have any significant and direct or indirect effect on employee's innovation.

An Analysis of Behavioral Intention to use Thai Internet Banking with Quality Management and Trust

OpenAIRE

Namahoot KS; Laohavichien T

2015-01-01

This research explores the effects of quality management and trust towards behavioural intention of Thai consumers to use internet banking. It specifically investigates whether the quality management dimensions of information quality, system quality and service quality affect the level of trust of Thai consumers towards internet banking, and whether this trust correspondingly affect their intention to use the system. This study has been conducted in Thailand and focused on the users of intern...

Forest tenure and sustainable forest management

Science.gov (United States)

J.P. Siry; K. McGinley; F.W. Cubbage; P. Bettinger

2015-01-01

We reviewed the principles and key literature related to forest tenure and sustainable forest management, and then examined the status of sustainable forestry and land ownership at the aggregate national level for major forested countries. The institutional design principles suggested by Ostrom are well accepted for applications to public, communal, and private lands....

Sustainable Soil Water Management Systems

OpenAIRE

Basch, G.; Kassam, A.; Friedrich, T.; Santos, F.L.; Gubiani, P.I.; Calegari, A.; Reichert, J.M.; dos Santos, D.R.

2012-01-01

Soil quality and its management must be considered as key elements for an effective management of water resources, given that the hydrological cycle and land management are intimately linked (Bossio et al. 2007). Soil degradation has been described by Bossio et al. (2010) as the starting point of a negative cycle of soil-water relationships, creating a positive, self-accelerating feedback loop with important negative impacts on water cycling and water productivity. Therefore, sustainable soil...

Management control of credit risk in the bank lending process

NARCIS (Netherlands)

Scheffer, S.B.

2004-01-01

Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

The effect of customer relationship management on customer loyalty: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hadi Hajiyan

2015-11-01

Full Text Available Measuring customer satisfaction in banking industry plays essential role for increasing market share and profitability. In this paper, we present an empirical investigation to measure the effect of customer relationship management (CRM on customer loyalty in Iranian banking industry. The study aims to understand whether implementation of a good CRM could increase the quality of services. The study designs a questionnaire in Likert scale and distributes it among 65 selected customers who do their banking activities with Bank Melli Iran in city of Semnan, Iran. Cronbach alpha has been calculated as 0.939, which is well above desirable level. Using t-student test, the study has determined that implementation of CRM could increase customer loyalty and quality of services.

Sustainable Waste Management for Green Highway Initiatives

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Husin Nur Illiana

2016-01-01

Full Text Available Green highway initiative is the transportation corridors based on sustainable concept of roadway. It incorporates both transportation functionality and ecological requirements. Green highway also provides more sustainable construction technique that maximizes the lifespan of highway. Waste management is one of the sustainable criterias in the elements of green highway. Construction of highway consumes enormous amounts of waste in term of materials and energy. These wastes need to be reduce to sustain the environment. This paper aims to identify the types of waste produced from highway construction. Additionally, this study also determine the waste minimization strategy and waste management practiced.. This study main focus are construction and demolition waste only. The methodology process begin with data collection by using questionnaire survey. 22 concession companies listed under Lembaga Lebuhraya Malaysia acted as a respondent. The questionnaires were distributed to all technical department staffs. The data received was analyzed using IBM SPSS. The results shows the most production of waste is wood, soil, tree root and concrete. The least production of waste is metal. For waste minimization, the best waste minimization is reuse for all type of waste except for tree root and stump. Whereas, the best waste management is providing strategic plan. The least practice for waste management is recording the quantity of waste.

Development and psychometric characteristics of the SCI-QOL Bladder Management Difficulties and Bowel Management Difficulties item banks and short forms and the SCI-QOL Bladder Complications scale.

Science.gov (United States)

Tulsky, David S; Kisala, Pamela A; Tate, Denise G; Spungen, Ann M; Kirshblum, Steven C

2015-05-01

To describe the development and psychometric properties of the Spinal Cord Injury--Quality of Life (SCI-QOL) Bladder Management Difficulties and Bowel Management Difficulties item banks and Bladder Complications scale. Using a mixed-methods design, a pool of items assessing bladder and bowel-related concerns were developed using focus groups with individuals with spinal cord injury (SCI) and SCI clinicians, cognitive interviews, and item response theory (IRT) analytic approaches, including tests of model fit and differential item functioning. Thirty-eight bladder items and 52 bowel items were tested at the University of Michigan, Kessler Foundation Research Center, the Rehabilitation Institute of Chicago, the University of Washington, Craig Hospital, and the James J. Peters VA Medical Center, Bronx, NY. Seven hundred fifty-seven adults with traumatic SCI. The final item banks demonstrated unidimensionality (Bladder Management Difficulties CFI=0.965; RMSEA=0.093; Bowel Management Difficulties CFI=0.955; RMSEA=0.078) and acceptable fit to a graded response IRT model. The final calibrated Bladder Management Difficulties bank includes 15 items, and the final Bowel Management Difficulties item bank consists of 26 items. Additionally, 5 items related to urinary tract infections (UTI) did not fit with the larger Bladder Management Difficulties item bank but performed relatively well independently (CFI=0.992, RMSEA=0.050) and were thus retained as a separate scale. The SCI-QOL Bladder Management Difficulties and Bowel Management Difficulties item banks are psychometrically robust and are available as computer adaptive tests or short forms. The SCI-QOL Bladder Complications scale is a brief, fixed-length outcomes instrument for individuals with a UTI.

Managing team learning in a Spanish commercial bank

OpenAIRE

Døving, Erik; Martin-Rubio, Irene

2013-01-01

Purpose – The purpose of this paper is to analyze how team management affects team-learning activities. Design/methodology/approach – The authors empirically study 68 teams as they operate in the natural business context of a major Spanish bank. Quantitative research utilizing multiple regression analyses is used to test hypotheses. Findings – The leadership behaviour (consideration, initiation of structure) displayed by the team leader plays a key role in facilitating team learning. Te...

Vegetative regeneration of invasive Ludwigia cytotypes from clonal bud banks across resource gradients: colonizing diploid outperforms polyploid

Science.gov (United States)

Understanding functional traits that underlie the colonization of invasive plants is key to developing sustainable management strategies to curtail invasions at the establishment phase. Although common, recruitment of clonal plant species from bud banks is often overlooked but may be a key transiti...

Management of Sustainable Innovation in an Internationalized Company

Directory of Open Access Journals (Sweden)

Uiara Gonçalves De Menezes

2013-04-01

Full Text Available The main objective of this study was to identify the main forms of management of sustainable technological innovation and examine the relation of these practices with the increased competitiveness of the Brazilian chemical industry in the international market. To conduct this research, we examined the management practices of a chemical industry located in southern Brazil through the descriptive and qualitative case study, using semi-structured interviews with those responsible for the company’s innovation management and analyzing secondary data. The analyses of the survey results with respect to the relation between the sustainable technological innovation management and the increased international competitiveness of the chemical industry were not conclusive. The data only show that the management practices of sustainable innovation may represent motivations for seeking international partnerships and innovations that can be converted into business opportunities in the domestic and international market.

Sustainable Materials Management Web Academy

Science.gov (United States)

The Sustainable Materials Management (SMM) Web Academy series is a free resource for SMM challenge participants, stakeholders, and anyone else interested in learning more about SMM principles from experts in the field.

Sustainable exploitation and management of aquatic resources

DEFF Research Database (Denmark)

Neuenfeldt, Stefan; Köster, Fritz

2014-01-01

DTU Aqua conducts research, provides advice,educates at university level and contributes toinnovation in sustainable exploitation andmanagement of aquatic resources. The vision of DTUAqua is to enable ecologically and economicallysustainable exploitation of aquatic resourcesapplying an integrated...... management. Marineecosystems aims at understanding the mechanisms that govern the interaction between individuals,species and populations in an ecosystem enabling us to determine the stability and flexibility of theecosystem.Marine living resources looks at the sustainable utilization of fish and shellfish...... stocks.Ecosystem effects expands from the ecosystem approach to fisheries management to an integratedapproach where other human activities are taken into consideration. Fisheries management developsmethods, models and tools for predicting and evaluating the effects of management measures andregulations...

GREEN BANKING IN ROMANIA

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Dumitrascu Mihaela

2014-07-01

Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE CREDIT RISK MANAGEMENT IN A BANK

Directory of Open Access Journals (Sweden)

Jerzy Piotr Gwizdała

2016-06-01

Full Text Available The main purpose of this article is to present the role of risk in the activity of a commercial bank with particular reference to the global financial crisis. The introductory part presents the origins of economic crises, especially the contemporary crisis from 2007-2010, which began in the United States subprime mortgage market. Dating back to the 1831, considerations allow to undetstand the causes of the crises. Then the impact of the global financial crisis on the scale of the crediting activities of banks in Poland was analyzed, presenting a credit portfolio structure, with a particular focus on the structure of loans to households and enterprises. In the second part of the article the process of credit risk management was discussed, paying attention to the crucial role of the bank's credit policy, and the conditions and prospects of commercial bank credit activity development were specified. It presents also the criteria for the proper credit management, indicating as the optimal solution the development of the so-called „credit textbook”.

Public Expenditures, Budgetary Sustainability and the Assessment of Management of Public Expenditures in Kosovo

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Behxhet Brajshori

2009-05-01

Full Text Available Public expenditures are public outlays which competent state organs realize for the purpose of fulfilling obligations of general public interest. They are manifested in different forms and in different social, economic and political areas. Public expenditures produce direct and indirect effects in production and influence consumption and prices. Economic structure and conjectural courses of one country have an impact on the highness of the public expenditures. Economic and social subsidies present the main instruments for achieving economic and social effects through the policy of public expenditures, whilst in conjectural economies; the effect of public expenditures is large and is realized through the mechanism of multiplicators which are used when the economy is in the state of economic stagnation and recession. After the war, Kosovo built a new fiscal system according to the best international practices. The tax system consists of some taxes, it has a wide spread of tax charges and applies relatively low tax rates. Both budgetary revenues and budgetary consumption have marked certain variations in relation to GDP. Currently, The Kosovo Consolidated Budget (KCB is completely fulfilled by domestic revenues. It is considered that, even if the budgetary consumption increases up to 30-34% of GDP, this raise will not endanger budgetary sustainability of the country. According to the World Bank assessment (PEFA document- 2006 on the Effectiveness of Management of Public Expenditures in Kosovo, based on the performance of main indicators of management of public finances, the effectiveness of management of public expenditures in Kosovo is relatively satisfactory. According to the draft-document of the World Bank and the Government of Kosovo (PEFA-2008, the quality of management of public expenditures in 2008 has been profoundly improved.

Currency management system: a distributed banking service for the grid

OpenAIRE

León Gutiérrez, Xavier; Navarro Moldes, Leandro

2007-01-01

Market based resource allocation mechanisms require mechanisms to regulate and manage the usage of traded resources. One mechanism to control this is the definition of some kind of currency. Within this context, we have implemented a first prototype of our Currency Management System, which stands for a decentralized and scalable banking service for the Grid. Basically, our system stores user accounts within a DHT and its basic operation is the transferFunds which, as its name suggests, transf...

Sustainable Environmental Management Indicators in South African Primary Schools

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Luiza O. de Sousa

2017-05-01

Full Text Available This research explores sustainable environmental management indicators in South African primary schools. Of key interest is the comparison of a township, farm and urban primary school that identify indicators that promote education for sustainable development in schools that implement an environmental management system. Data are drawn from one-on-one interviews, focus group interviews, observations and document analysis from 35 participants in three schools. A comparison of the three schools was done by content and thematic analysis of a within-case analysis. Data from the township school revealed that socioeconomic factors and organisational structure promote education for sustainable development. The farm school data revealed that health promotion can be managed within an environmental management system within a hierarchical school structure. The urban school data revealed that an economic inducement brings a school to realise that it can reduce its carbon footprint, gain financially and utilize its resources with innovation. A case is made that the four pillars of sustainable development (environment, society, economy, and governance endorse education for sustainable development. Furthermore, the objectives of environmental education ought to remain nested in an environmental management system to ensure that the global goal of quality education is achieved.

ACTION LEVERS FOR A SUSTAINABLE FARMLAND MANAGEMENT IN NIGER

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Mahamadou Roufahi Tankari

2015-10-01

Full Text Available This study aims to contribute to the understanding of factors influencing the sustainable farmland management in Niger. Specifically, it examines the determinants of adoption of sustainable land management practices including measures to combat erosion, and the use of manure, residues and fertilizer with a view to support the formulation of efficient land use policies based on evidences given fact that the impact of factors influencing farmland management appears to be specific to each context. The study is based on data from the National Survey of Household Living Conditions and Agriculture of 2011 (ECVMA-2011 analyzed within the framework of multivariate Probit model. The results show that there are unobservable interdependences between the decisions on farmland management practices. Furthermore, several types of factors related to access to physical, human, financial and biophysical capitals as well as infrastructure and services seem to play an important role. In addition, it appears that more security is needed in land tenure for a sustainable farmland management while farmland defragmentation can act negatively on sustainable farmland management.

Dual certification for bank skyscrapers. A company headquarter gets a Green Building; Duale Zertifizierung fuer Bank-Tuerme. Eine Konzernzentrale wird zum Green Building

Energy Technology Data Exchange (ETDEWEB)

Luft, Christian; Bauer, Michael [Drees und Sommer Advanced Building Technologies GmbH, Stuttgart (Germany)

2011-07-01

Fire protection regulations force the Deutsche Bank AG (Frankfurt/Main, Federal Republic of Germany) to extensive reorganization measures in order to continuously operate their buildings. As part of a complete renovation, Deutsche Bank AG has stipulated a modern, innovative and sustainable example. This is confirmed by the Green Building Certification with the US american label LEED registered in Platinum as well as the German sustainability certificate of the Germain Sustainable Building Council (Stuttgart, Federal Republic of Germany) in gold.

Sustainable agricultural water management across climates

Science.gov (United States)

DeVincentis, A.

2016-12-01

Fresh water scarcity is a global problem with local solutions. Agriculture is one of many human systems threatened by water deficits, and faces unique supply, demand, quality, and management challenges as the global climate changes and population grows. Sustainable agricultural water management is paramount to protecting global economies and ecosystems, but requires different approaches based on environmental conditions, social structures, and resource availability. This research compares water used by conservation agriculture in temperate and tropical agroecosystems through data collected from operations growing strawberries, grapes, tomatoes, and pistachios in California and corn and soybeans in Colombia. The highly manipulated hydrologic regime in California has depleted water resources and incited various adaptive management strategies, varying based on crop type and location throughout the state. Operations have to use less water more efficiently, and sometimes that means fallowing land in select groundwater basins. At the opposite end of the spectrum, the largely untouched landscape in the eastern plains of Colombia are rapidly being converted into commercial agricultural operations, with a unique opportunity to manage and plan for agricultural development with sustainability in mind. Although influenced by entirely different climates and economies, there are some similarities in agricultural water management strategies that could be applicable worldwide. Cover crops are a successful management strategy for both agricultural regimes, and moving forward it appears that farmers who work in coordination with their neighbors to plan for optimal production will be most successful in both locations. This research points to the required coordination of agricultural extension services as a critical component to sustainable water use, successful economies, and protected environments.

Evaluation of Sustainable Practices within Project Management Methods

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Shah Satya

2017-01-01

Full Text Available The purpose of this research study is to investigate some of the sustainable practices within projects with a focus on social projects. The different research methodologies applied through this research consisted both primary and secondary research, including literature review and through case study. The stakeholder’s behavioural needs towards acting and implementing sustainable practices led to the adoption of sustainable practices within projects which are managed across profit and non-profit organisations. Nevertheless, lack of sustainable behaviour was outlined, and henceforth the integration of sustainable development within social projects is crucially important as such projects were identified as the drivers toward educating the society in order to help to produce generations of people who would be more sustainably aware. Currently, sustainable development is very often taken into account when it comes to managing projects. Nevertheless, if the adoption of sustainable practices is well established in some sectors such as construction, literature tends to demonstrate a lack of information regarding other sectors, especially within social projects. This research aims to investigate the adoption of sustainable practices within social projects and therefore to satisfy a literature gap.

Rapid and sustained cost management

International Nuclear Information System (INIS)

Hanson, D.

2009-01-01

Accenture helps clients develop comprehensive, process-driven strategies for rapid and sustained cost management that leverage deep insights and analytics. This approach enables companies to gain operating cost advantages by rationalizing, simplifying and automating current operating capabilities. It drives structural cost advantages by optimizing business mix, capital structure, organizational structure and geographic presence. This paper discussed how successful companies achieve high performance during times of economic turmoil. It also discussed the value of the winner's strategy in terms of rapid and sustained cost management (RSCM). It discussed how Accenture operates and its leveraged capabilities, improved efficiency, margins and cash flow while maintaining customer service levels. Building structural advantage and the Accenture difference were also discussed. It was concluded that RSCM is one vital way that Accenture can help companies achieve success. 4 figs

Improvement of Bank Risks Management on the Basis of “Monitoring – Identification – Protection” Technique

Directory of Open Access Journals (Sweden)

Zabezhaylo Ivan Mikhaylovich

2014-11-01

Full Text Available The banking system in contemporary conditions becomes the critically important subsystem of any national economy. To ensure a successful and profitable operation of the bank the effective management of associated risks is necessary. A technique of banking risk management, which includes three functional blocks: monitoring, identification and protection against risks, is proposed in the article. A key element of the proposed method is the stage of optimization of risk management in the context of the particular situation of data analysis and decision making. The two-factor model of optimizing the choice of means of risk management is argued. This model implies two options: to minimize the level of allowable risks when you fix the volume of the resources required for reliable risk management in this particular situation on an acceptable (target, desired level; or to minimize the volume of the resources required for reliable in this situation analyzed risk management when you fixed appropriate risks at an acceptable level. The technique is based on an integrated approach, the basic elements of which are the abilities to work with different types of data, and to use common methods and means of data processing. The proposed method makes it possible to integrate qualitative and quantitative risk management tools in a single process of data analysis and decision making support. The proposed method of banking risk management is a tool to detail the national regulators recommendations by taking into account the specific (context features of a particular financial institution management during its implementation. The technique allows for contextual tools setting, depending on the application field.

Efficiency of management of sustainable development – challenges, problems, barriers

Directory of Open Access Journals (Sweden)

Zięba K.

2016-06-01

Full Text Available This paper discusses such issues as the importance of efficiency management of sustainable development. In the authors’ opinion, this matter is currently topical subject due to, among others, on the still high costs of irrational management in the field. Dynamically changing environment forces to search for new solutions for efficiency management of sustainable development, and unfortunately, in many countries it is still a significant problem. For some countries, the efficiency management of sustainable development is difficult. It should be noted that the problem with the inaction of relevant activities of the countries in the field of development of efficiency management of sustainability development will grow, because globalization makes it necessary to generate new solutions emerging to date problems. Facing each country there are so many challenges in the field. However, some countries are aware of the seriousness of the problem and therefore take a number of measures in this regard, often regardless of the amount of costs. This has an impact on their competitiveness. Apparent is also increasing incorporation of new original solutions in the field of sustainable development management.

STRATEGIC MANAGEMENT OF SUSTAINABILITY AND INNOVATION

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Vanessa Cuzziol Pinsky

2013-09-01

Full Text Available The sustainable development, global competitiveness and rapid technological change increasingly challenge companies to innovate with a focus on sustainability. The objectives of this study were to identify the critical success factors in business management and identify the challenges to implement sustainable products. This is an exploratory, descriptive and qualitative research, using the case study method. Data were collected through semi-structured and in-depth interviews with executives from the marketing and innovation departments, complemented by secondary sources, including sustainability reports, websites and other company documents. The content analysis revealed the critical success factors to implement sustainable products, highlighting the involvement of senior leadership, setting goals and long term vision, the involvement of the value chain in the search for sustainable solutions and have a area of innovation with sustainability goals. The key challenges identified are related to the involvement of the supply chain, using the principles of the life cycle assessment, marketing communication and measurement of results and environmental benefits.

12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

Science.gov (United States)

2010-01-01

... such activities constitute a materially important line of business to its members. Also, investments... banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615...

Proceedings of the 1999 Sustainable Forest Management Network conference: science and practice : sustaining the boreal forest

Energy Technology Data Exchange (ETDEWEB)

Veeman, S.; Smith, D.W.; Purdy, B.G.; Salkie, F.J.; Larkin, G.A. [eds.

1999-05-01

The wide range and complex nature of research in sustainable forest management, supported cooperatively by the forest products industry, governments, the universities, First Nations and other groups, is reflected in the 128 papers presented at this conference. The range of topics discussed include historical perspectives of forest disturbances, including fires and harvesting, biological diversity, gaseous, liquid and solid wastes, community sustainability, public involvement, land aquatic interfaces, forest management planning tools, contaminant transfer, First Nations issues, certification, monitoring and resource trade-offs. The theme of the conference {sup S}cience and practice: sustaining the boreal forest` was selected to identify the key efforts of the Sustainable Forest Management (SFM) Network on boreal forest research. The objective of the conference was to exchange knowledge and integrate participants into a better working network for the improvement of forest management. refs., tabs., figs.

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

Sustainable nanotechnology decision support system: bridging risk management, sustainable innovation and risk governance

International Nuclear Information System (INIS)

Subramanian, Vrishali; Semenzin, Elena; Hristozov, Danail; Zabeo, Alex; Malsch, Ineke; McAlea, Eamonn; Murphy, Finbarr; Mullins, Martin; Harmelen, Toon van; Ligthart, Tom; Linkov, Igor; Marcomini, Antonio

2016-01-01

The significant uncertainties associated with the (eco)toxicological risks of engineered nanomaterials pose challenges to the development of nano-enabled products toward greatest possible societal benefit. This paper argues for the use of risk governance approaches to manage nanotechnology risks and sustainability, and considers the links between these concepts. Further, seven risk assessment and management criteria relevant to risk governance are defined: (a) life cycle thinking, (b) triple bottom line, (c) inclusion of stakeholders, (d) risk management, (e) benefit–risk assessment, (f) consideration of uncertainty, and (g) adaptive response. These criteria are used to compare five well-developed nanotechnology frameworks: International Risk Governance Council framework, Comprehensive Environmental Assessment, Streaming Life Cycle Risk Assessment, Certifiable Nanospecific Risk Management and Monitoring System and LICARA NanoSCAN. A Sustainable Nanotechnology Decision Support System (SUNDS) is proposed to better address current nanotechnology risk assessment and management needs, and makes. Stakeholder needs were solicited for further SUNDS enhancement through a stakeholder workshop that included representatives from regulatory, industry and insurance sectors. Workshop participants expressed the need for the wider adoption of sustainability assessment methods and tools for designing greener nanomaterials.

Sustainable nanotechnology decision support system: bridging risk management, sustainable innovation and risk governance

Energy Technology Data Exchange (ETDEWEB)

Subramanian, Vrishali, E-mail: vrishali.subramanian@unive.it; Semenzin, Elena; Hristozov, Danail; Zabeo, Alex [University Ca’ Foscari of Venice, Department of Environmental Sciences, Informatics and Statistics (Italy); Malsch, Ineke [Malsch TechnoValuation (Netherlands); McAlea, Eamonn; Murphy, Finbarr; Mullins, Martin [University of Limerick, Kemmy Business School (Ireland); Harmelen, Toon van; Ligthart, Tom [TNO (Netherlands); Linkov, Igor; Marcomini, Antonio, E-mail: marcom@unive.it [University Ca’ Foscari of Venice, Department of Environmental Sciences, Informatics and Statistics (Italy)

2016-04-15

The significant uncertainties associated with the (eco)toxicological risks of engineered nanomaterials pose challenges to the development of nano-enabled products toward greatest possible societal benefit. This paper argues for the use of risk governance approaches to manage nanotechnology risks and sustainability, and considers the links between these concepts. Further, seven risk assessment and management criteria relevant to risk governance are defined: (a) life cycle thinking, (b) triple bottom line, (c) inclusion of stakeholders, (d) risk management, (e) benefit–risk assessment, (f) consideration of uncertainty, and (g) adaptive response. These criteria are used to compare five well-developed nanotechnology frameworks: International Risk Governance Council framework, Comprehensive Environmental Assessment, Streaming Life Cycle Risk Assessment, Certifiable Nanospecific Risk Management and Monitoring System and LICARA NanoSCAN. A Sustainable Nanotechnology Decision Support System (SUNDS) is proposed to better address current nanotechnology risk assessment and management needs, and makes. Stakeholder needs were solicited for further SUNDS enhancement through a stakeholder workshop that included representatives from regulatory, industry and insurance sectors. Workshop participants expressed the need for the wider adoption of sustainability assessment methods and tools for designing greener nanomaterials.

Importance of banked tissues in the management of mass nuclear casualties

International Nuclear Information System (INIS)

Singh, Rita; Bhatnagar, P.K.

2009-01-01

Nuclear detonations are the most devastating of the weapons of mass destruction. There will be large number of casualties on detonation of nuclear weapon. Biological tissues like bone, skin, amniotic membrane and other soft tissues can be used for repair or reconstruction of the injured part of the body. Tissues from human donor can be processed and banked for orthopaedic, spinal, trauma and other surgical procedures. Radiation technology is used to sterilize the tissues to make them safe for clinical use. This paper highlights the importance of such banked tissues in the management of the casualties. (author)

Internet of Things technology-based management methods for environmental specimen banks.

Science.gov (United States)

Peng, Lihong; Wang, Qian; Yu, Ang

2015-02-01

The establishment and management of environmental specimen banks (ESBs) has long been a problem worldwide. The complexity of specimen environment has made the management of ESB likewise complex. Through an analysis of the development and management of ESBs worldwide and in light of the sophisticated Internet of Things (IOT) technology, this paper presents IOT technology-based ESB management methods. An IOT technology-based ESB management system can significantly facilitate ESB ingress and egress management as well as long-term storage management under quality control. This paper elaborates on the design of IOT technology-based modules, which can be used in ESB management to achieve standardized, smart, information-based ESB management. ESB management has far-reaching implications for environmental management and for research in environmental science.

Risk Management in the Nigerian Banking Industry: A Case Study of Guaranty Trust Bank

OpenAIRE

Usman, Fatima

2014-01-01

Every organisation exists to provide value of its stakeholders, as a result they have to take make decisions that involves risks and they also have to take on some risks in order to deliver returns. Also, all banking institutions in the process of providing services face financial risk and failure to manage these risks can result in loss in earnings, failure to meet business objectives, these factors in general may hinder a bank’s inability to conduct its on-going business and business surviv...

Organising Sustainability Competencies through Quality Management: Integration or Specialisation

Directory of Open Access Journals (Sweden)

Vanajah Siva

2018-04-01

Full Text Available A significant step in integrating environmental sustainability into daily operations is through product development. One way to achieve such integration of environmental considerations into product development is by relating sustainability competencies to practices of Quality Management. However, practices seem to vary for how competencies within environmental sustainability are organised in order to make sustainability more actionable. This study explores two ways of organising sustainability competencies in product development: integration and specialisation. The organisation of sustainability competency is illustrated through two cases; one case in which sustainability is integrated with the quality management competency, and the other in which a new competency focusing on sustainability has been added as a separate function in product development. It is suggested that the organisation of sustainability competency influences the extent of environmental impact. Further, trade-offs, such as material source versus weight may not be exploited when sustainability is integrated as one area of responsibility for another specialty competency, suggesting a lack of sufficient competency within environmental sustainability to recognise potential trade-offs between—for example—quality and environmental impact.

Achieving sustainable plant disease management through evolutionary principles.

Science.gov (United States)

Zhan, Jiasui; Thrall, Peter H; Burdon, Jeremy J

2014-09-01

Plants and their pathogens are engaged in continuous evolutionary battles and sustainable disease management requires novel systems to create environments conducive for short-term and long-term disease control. In this opinion article, we argue that knowledge of the fundamental factors that drive host-pathogen coevolution in wild systems can provide new insights into disease development in agriculture. Such evolutionary principles can be used to guide the formulation of sustainable disease management strategies which can minimize disease epidemics while simultaneously reducing pressure on pathogens to evolve increased infectivity and aggressiveness. To ensure agricultural sustainability, disease management programs that reflect the dynamism of pathogen population structure are essential and evolutionary biologists should play an increasing role in their design. Copyright © 2014 Elsevier Ltd. All rights reserved.

Optimal preventive bank supervision

OpenAIRE

Belhaj, Mohamed; Klimenko, Nataliya

2012-01-01

Early regulator interventions into problem banks is one of the key suggestions of Basel Committee on Banking Supervision. However, no guidance is given on their design. To fill this gap, we outline an incentive-based preventive supervision strategy that eliminates bad asset management in banks. Two supervision techniques are combined: temporary regulatory administration and random audits. Our design ensures good management without excessive supervision costs, through a gradual adjustment of...

The impact of sustainability on project management

NARCIS (Netherlands)

Adri Köhler; Gilbert Gilbert Silvius; Jasper van den Brink

2011-01-01

Chapter 11 in The Project as a Social System: Asia-Pacific Perspectives on Project Management. Sustainability is one of the most important challenges of our time. How can we develop prosperity without compromising the life of future generations? Companies are integrating ideas of sustainability in

Managing for Multifunctionality in Urban Open Spaces: Approaches for Sustainable Development

Directory of Open Access Journals (Sweden)

Wenzheng Shi

Full Text Available ABSTRACT: Landscape management plays a key role in improving the quality of urban environments and enhancing the multifunctionality of green infrastructure. It works to guide the efficient and effective management of green spaces for sustainability and the well-being of users. However, while most researchers have emphasised spatial planning as a basis for developing green infrastructure to promote new strategic connections in urban green space, they have simultaneously ignored the impact of management. Against this background, this paper argues that if our towns and cities seek to maintain the well-being of citizens while also achieving sustainable environments, they must engage in effective landscape management to improve their green infrastructure. It is not enough to simply design or maintain parks and green spaces so as to keep up their physical condition; rather, green infrastructure work should be adapted to the understanding and implementation of managers, users and stakeholders in an integrated management process in order to provide more services for sustainable development. A selected study in Sheffield investigated the management planning required for sustainable development. It is beneficial to learn the experiences of management planning in Sheffield, a city which has rich management practices for green and open spaces. This study will analyse how management planning helps local authorities and managers to improve multifunctional green and open spaces in the context of sustainable development. As a result, the study also explores the framework of management planning with regard to the transferability of the existing practices in Sheffield. It also attempts to provide a primer for sustainability impact assessments in other cities with a considered knowledge exchange. KEYWORDS: Management planning, green infrastructure, multifunctionality, sustainability, knowledge exchange

INTEGRATED SUSTAINABLE MANGROVE FOREST MANAGEMENT

Directory of Open Access Journals (Sweden)

Cecep Kusmana

2015-07-01

Full Text Available Mangrove forest as a renewable resource must be managed based on sustainable basis in which the benefits of ecological, economic and social from the forest have to equity concern in achieving the optimum forest products and services in fulfill the needs of recent generation without destruction of future generation needs and that does not undesirable effects on the physical and social environment. This Sustainable Forest Management (SFM practices needs the supporting of sustainability in the development of social, economic and environment (ecological sounds simultaneously, it should be run by the proper institutional and regulations. In operational scale, SFM need integration in terms of knowledge, technical, consultative of stakeholders, coordination among sectors and other stakeholders, and considerations of ecological inter-relationship in which mangroves as an integral part of both a coastal ecosystem and a watershed (catchment area. Some tools have been developed to measure the performent of SFM, such as initiated by ITTO at 1992 and followed by Ministry of Forestry of Indonesia (1993, CIFOR (1995, LEI (1999, FSC (1999, etc., however, the true nuance of SFM’s performance is not easy to be measured. 

Sustainable energy development as an integral part of hydroelectric business management

International Nuclear Information System (INIS)

Lee, W.; Yu, M.; Young, C.

1996-01-01

Elements of Ontario Hydro's strategy for sustainable energy development were discussed, highlighting key developments in the business management practices in Ontario Hydro's Hydroelectric Business Unit. Sustainable development considerations are now integral part of any business case analysis; management of the environment also has been integrated into the Utilities' business management process. Several environmental management practices intended to enhance sustainability have been introduced, including a full-fledged environmental management system based on ISO 14001 standards. Energy efficiency opportunities are aggressively pursued, including turbine upgrades, and energy efficient lighting. Experience to date indicates that business performance and progress towards sustainable energy development need not be mutually exclusive

Can retail banking clients' attrition be managed?

Directory of Open Access Journals (Sweden)

Agaliotis Konstantinos

2015-01-01

Full Text Available The rurrο_e of all banks across the universe is to satisfy their clients' necessities. One of the predominant impacts of the last few years' financial crisis in Europe was the way in which customers interact with their banks. The theory of 'main bank' is not any more the case as clients' trust toward banks fades away together with their loyalty. Nowadays, it is necessary for banks to segment their clientele data base, and target the most profitable clients. The retention strategy of each financial institution becomes more and more important as the value of each retained customer is disproportional to the cost of acquiring a new one. The main findings of the subject retail banking clients' retention policy analysis prove that clients of different lifetime value have different propensity to defect. At the same time, the ability of a bank to retain a potential defector does not depend directly on satisfying the defection reason. Many of the various bank counter offers which do not directly satisfy the reason that a client refers to as the 'defection' one, are enough in order to retain a client. Equally important to the identification of clients' behavioural patterns is the use of the subject findings on behalf of the retail oriented banks in order to predict accurately the cost of future defection, as well as, to incorporate one more measurable parameter in their credit risk scorecards i.e. the intention to increase credit exposure.

Sustainable supply chain management: Review and research opportunities

Directory of Open Access Journals (Sweden)

Sudheer Gupta

2011-12-01

Full Text Available Anthropogenic emissions likely pose serious threat to the stability of our environment; immediate actions are required to change the way the earth’s resources are consumed. Among the many approaches to mitigation of environmental deterioration being considered, the processes for designing, sourcing, producing and distributing products in global markets play a central role. Considerable research effort is being devoted to understanding how organisational initiatives and government policies can be structured to facilitate incorporation of sustainability into design and management of entire supply chain. In this paper, we review the current state of academic research in sustainable supply chain management, and provide a discussion of future direction and research opportunities in this field. We develop an integrative framework summarising the existing literature under four broad categories: (i strategic considerations; (ii decisions at functional interfaces; (iii regulation and government policies; and (iv integrative models and decision support tools. We aim to provide managers and industry practitioners with a nuanced understanding of issues and trade-offs involved in making decisions related to sustainable supply chain management. We conclude the paper by discussing environmental initiatives in India and the relevance of sustainability discussions in the context of the Indian economy.

Resilience and sustainability: Similarities and differences in environmental management applications.

Science.gov (United States)

Marchese, Dayton; Reynolds, Erin; Bates, Matthew E; Morgan, Heather; Clark, Susan Spierre; Linkov, Igor

2018-02-01

In recent years there have been many disparate uses of the terms sustainability and resilience, with some framing sustainability and resilience as the same concept, and others claiming them to be entirely different and unrelated. To investigate similarities, differences, and current management frameworks for increasing sustainability and resilience, a literature review was undertaken that focused on integrated use of sustainability and resilience in an environmental management context. Sustainability was defined through the triple bottom line of environmental, social and economic system considerations. Resilience was viewed as the ability of a system to prepare for threats, absorb impacts, recover and adapt following persistent stress or a disruptive event. Three generalized management frameworks for organizing sustainability and resilience were found to dominate the literature: (1) resilience as a component of sustainability, (2) sustainability as a component of resilience, and (3) resilience and sustainability as separate objectives. Implementations of these frameworks were found to have common goals of providing benefits to people and the environment under normal and extreme operating conditions, with the best examples building on similarities and minimizing conflicts between resilience and sustainability. Published by Elsevier B.V.

BIM: enabling sustainability and asset management through knowledge management.

Science.gov (United States)

Kivits, Robbert Anton; Furneaux, Craig

2013-11-10

Building Information Modeling (BIM) is the use of virtual building information models to develop building design solutions and design documentation and to analyse construction processes. Recent advances in IT have enabled advanced knowledge management, which in turn facilitates sustainability and improves asset management in the civil construction industry. There are several important qualifiers and some disadvantages of the current suite of technologies. This paper outlines the benefits, enablers, and barriers associated with BIM and makes suggestions about how these issues may be addressed. The paper highlights the advantages of BIM, particularly the increased utility and speed, enhanced fault finding in all construction phases, and enhanced collaborations and visualisation of data. The paper additionally identifies a range of issues concerning the implementation of BIM as follows: IP, liability, risks, and contracts and the authenticity of users. Implementing BIM requires investment in new technology, skills training, and development of new ways of collaboration and Trade Practices concerns. However, when these challenges are overcome, BIM as a new information technology promises a new level of collaborative engineering knowledge management, designed to facilitate sustainability and asset management issues in design, construction, asset management practices, and eventually decommissioning for the civil engineering industry.

HUMAN RESOURCE MANAGEMENT AND EMPLOYEE JOB SATISFACTION: EVIDENCE FROM THE NIGERIAN BANKING INDUSTRY

OpenAIRE

Omotayo Adewale OSIBANJO; Oladele Joseph KEHIDE; Abolaji Joachim ABIODUN

2011-01-01

The paper examines the effect of human resources management (factors) on employees’ job satisfaction using data collected from two banks in the Nigerian banking industry. The study attempts to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction; and to determine the impact of human resources factors on employee job satisfaction. The survey instrument used in the collection of data was t...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution......Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...

THE ADEQUACY OF THE CAPITAL - CENTRAL OBJECTIVE OF PERFORMANCE MANAGEMENT AND BANKING RISK

Directory of Open Access Journals (Sweden)

LOREDANA CIURLĂU

2016-08-01

Full Text Available The main objective of this work is to highlight the role that the methods and techniques for the management of banking risks have in internal process the capital adequacy at risk in the future and to reflect the continued growth of the banking risks in the contemporary age, in conjunction with the intensification of cooperation that led to the internationalizing of regulations, within the meaning of the development of national rules in accordance with the principles accepted by several countries, the kind of international groups of studies organized by the Bank for International Settlements the Basel Convention or the application of Community rules, drawn up in the form of the Directives of the European Communities. The work has the research field the theoretical and practical aspects of the completion of the internal process the capital adequacy at risk in banks.

Policy and Economics of Managed Aquifer Recharge and Water Banking

Directory of Open Access Journals (Sweden)

Sharon B. Megdal

2015-02-01

Full Text Available Managed Aquifer Recharge (MAR and water banking are of increasing importance to water resources management. MAR can be used to buffer against drought and changing or variable climate, as well as provide water to meet demand growth, by making use of excess surface water supplies and recycled waters. Along with hydrologic and geologic considerations, economic and policy analyses are essential to a complete analysis of MAR and water banking opportunities. The papers included in this Special Issue fill a gap in the literature by revealing the range of economic and policy considerations relevant to the development and implementation of MAR programs. They illustrate novel techniques that can be used to select MAR locations and the importance and economic viability of MAR in semi-arid to arid environments. The studies explain how MAR can be utilized to meet municipal and agricultural water demands in water-scarce regions, as well as assist in the reuse of wastewater. Some papers demonstrate how stakeholder engagement, ranging from consideration of alternatives to monitoring, and multi-disciplinary analyses to support decision-making are of high value to development and implementation of MAR programs. The approaches discussed in this collection of papers, along with the complementary and necessary hydrologic and geologic analyses, provide important inputs to water resource managers.

TOWARDS PROPER CULTURAL RESOURCE MANAGEMENT ...

African Journals Online (AJOL)

GRACE

proper harnessing and management of cultural resources in Nigeria for sustainable development .... and knowledge) to organize the resources available to man with the aim of optimizing their use in the ... needs‖ (World Bank 1992). Thus, as ...

Does Sustainability Reporting have Sustenance? A Marketing Ploy or Management Tool

OpenAIRE

Halil D. Kaya; Julia S. Kwok; Elizabeth C. Rabe

2015-01-01

Sustainability efforts encompass economic, social and environmental management. After decades of promoting such causes, sustainability finally has moved up to the boardroom agenda per PricewaterhouseCooper 2012 report. As companies incorporate sustainability into business strategy, it is crucial for accountants and financial managers to capture the financial implications of those sustainable practices. This case provides an in-depth review of current reporting and measurement of sustainable p...

Sustainable cost reduction by lean management in metallurgical processes

Directory of Open Access Journals (Sweden)

A. V. Todorut

2016-10-01

Full Text Available This paper focuses on the need for sustainable cost reduction in the metallurgical industry by applying Lean Management (LM tools and concepts in metallurgical production processes leading to increased competitiveness of corporations in a global market. The paper highlights that Lean Management is a novel way of thinking, adapting to change, reducing waste and continuous improvement, leading to sustainable development of companies in the metallurgical industry. The authors outline the main Lean Management instruments based on recent scientific research and include a comparative analysis of other tools, such as Sort, Straighten, Shine, Standardize, Sustain (5S, Visual Management (VM, Kaizen, Total Productive Maintenance (TPM, Single-Minute Exchange of Dies (SMED, leading to a critical appraisal of their application in the metallurgical industry.

Bank Share Prices and Profitability

OpenAIRE

Daniel Daugaard; Tom Valentine

1993-01-01

This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

Sustainable Materials Management (SMM) WasteWise Data

Science.gov (United States)

EPA??s WasteWise encourages organizations and businesses to achieve sustainability in their practices and reduce select industrial wastes. WasteWise is part of EPA??s sustainable materials management efforts, which promote the use and reuse of materials more productively over their entire lifecycles. All U.S. businesses, governments and nonprofit organizations can join WasteWise as a partner, endorser or both. Current participants range from small local governments and nonprofit organizations to large multinational corporations. Partners demonstrate how they reduce waste, practice environmental stewardship and incorporate sustainable materials management into their waste-handling processes. Endorsers promote enrollment in WasteWise as part of a comprehensive approach to help their stakeholders realize the economic benefits to reducing waste. WasteWise helps organizations reduce their impact on global climate change through waste reduction. Every stage of a product's life cycle??extraction, manufacturing, distribution, use and disposal??indirectly or directly contributes to the concentration of greenhouse gases (GHGs) in the atmosphere and affects the global climate. WasteWise is part of EPA's larger SMM program (https://www.epa.gov/smm). Sustainable Materials Management (SMM) is a systemic approach to using and reusing materials more productively over their entire lifecycles. It represents a change in how our society thinks about the use of natural resources

Managing Knowledge And Information In The Sustainable Organization

Science.gov (United States)

Grecu, Valentin

2015-09-01

Knowledge and information management are essential for the success of organizations and bring significant competitive advantages. There has been significant investments in setting up technological platforms that support business processes and increase the efficiency of operational structure in many organizations through an efficient management of knowledge and information. This research highlights the importance of using knowledge and information management in order to increase the competitiveness of organizations and to foster the transition towards the sustainable organization, as nowadays an organization that wants to be competitive needs to be sustainable.

Non-performing loans decision making in the Romanian banking system

Directory of Open Access Journals (Sweden)

Pop Ionuț-Daniel

2018-03-01

Full Text Available Non-Performing Loans (NPLs are representing nowadays one of the main challenges for the banking systems all over the world. Therefore, a sustainable decision-making process should be implemented, for minimizing the effects of credit risk. The current paper uses a dynamic panel regression model to present the determinants of NPLs for the largest five banks of the Romanian Banking System during 2007-2016. A Generalized Method of Moments (GMM regression is used and defined under three different types of variables: bank specific indicators, macroeconomic indicators and qualitative variables. Other studies illustrated also the determinants of NPLs in various banking systems from all around the world, such as Japan, China or several CEE countries (especially the emergent ones. After an in-depth analysis of the literature and Romanian market, the following variables were found to be relevant and were introduced into a dynamic data panel model: unemployment rate, annual average growth rate of gross domestic product, return on equity (ROE, loan to deposit ratio (LTD. The existing literature presents ROE as having a negative impact on NPLs, unemployment rate being positive correlated with NPLs and a negative relationship between economic growth and such loans. Our contribution to the current literature is represented by the introduction of two additional qualitative variables (Board Risk Management Ratio (BRMR, as the proportion of risk managers within the Board of Directors of each bank in question and the Expert Aggregate Priority Vector (EAPV, as the aggregated perceived risk regarding the NPLs. The decision of introducing these variables relies on previous research made in this area, results being validated by experts from the Romanian Banking System, according to the BASEL III and NBR criteria. The results of the current paper are consistent with the existent literature, the correlations and impact of the variables being relevant for the subject

Spheromak Buildup in SSPX using a Modular Capacitor Bank

International Nuclear Information System (INIS)

Wood, R D; McLean, H S; Hill, D N; Hooper, E B; Romero-Talamas, C A

2006-01-01

The Sustained Spheromak Physics Experiment (SSPX) [1] was designed to address both magnetic field generation and confinement. The SSPX produces 1.5-3.5msec, spheromak plasmas with a 0.33m major radius and a minor radius of ∼0.23m. DC coaxial helicity injection is used to build and sustain the spheromak plasma within the flux conserver. Optimal operation is obtained by flattening the profile of λ = μ 0 j/B, consistent with reducing the drive for tearing and other MHD modes, and matching of edge current and bias flux to minimize |(delta)B/B| rms . With these optimizations, spheromak plasmas with central T e >350eV and β e ∼ 5% with toroidal fields of 0.6T [3] have been obtained. If a favorable balance between current drive efficiency and energy confinement can be shown, the spheromak has the potential to yield an attractive magnetic fusion concept [4]. The original SSPX power system consists of two lumped-circuit capacitor banks with fixed circuit parameters. This power system is used to produce an initial fast formation current pulse (10kV, 0.5MJ formation bank), followed by a lower current, 3.5ms flattop sustainment pulse (5kV, 1.5MJ sustainment bank). Experimental results indicate that a variety of injected current pulses, such as a longer sustainment flattop [5], higher and longer fast formation [6], and multiple current pulses [7], might further our understanding of magnetic field generation. Although the formation bank can be split into two independent banks capable of producing other injected current waveforms, the variety of current waveforms produced by this power system is limited. Thus, to extend the operating range of the SSPX, a new pulsed-power system has been designed and partially constructed. In this paper, we discuss the design of the programmable bank and present first results from using the bank to increase the magnetic field in SSPX

Sustainable management for the eastern Mediterranean coast of Turkey.

Science.gov (United States)

Berberoglu, Süha

2003-03-01

The objective of this article is to propose a program for the integrated coastal zone management that is required to stimulate and guide sustainable development of the Mediterranean coastal zone of Turkey. Improved data collection, quality control, analysis, and data management will provide a firm basis for future scientific understanding of the East Mediterranean coast of Turkey and will support long-term management. Various innovative procedures were proposed for a promising ecosystem-based approach to manage coastal wetlands in the Mediterranean: remote data acquisition with new technologies; environmental quality monitoring program that will provide a baseline for monitoring; linking a Geographic Information System (GIS) with natural resource management decision routines in the context of operational wetlands, fisheries, tourism management system; environmental sensitivity analysis to ensure that permitted developments are environmentally sustainable; and use of natural species to restore the wetlands and coastal dunes and sustain the system processes. The proposed management scheme will benefit the scientific community in the Mediterranean and the management/planning community in Eastern Turkey.

Human Resource Management Practices and Employee Satisfaction in Microfinance Banks in Nigeria

Directory of Open Access Journals (Sweden)

Chijioke Esogwa Nwachukwu

2017-06-01

Full Text Available Purpose of the article: The role of microfinance banks (MFBs in the growth and development of businesses in an emerging market such as Nigeria cannot be overemphasised. Implementing sound human resource practices can enable MFBs satisfy their employees and sustain competitive advantage. Methodology/methods: A purposive sample of 60 senior employees of 10 microfinance banks in Nigeria was used for this study. All the 60 questionnaires were returned but 59 were found usable for the analysis, accounting for 98.3% response rate. In analyzing our data, Pearson correlation, ANOVA, and multiple regression techniques were used. Scientific aim: The goal of this study is to investigate HRM practices and employee satisfaction in microfinance banks in Nigeria. Findings: The result shows that a significant positive association exists between human resource planning, training and development, employee compensation and employee satisfaction. However, an insignificant positive relationship exists between work environment and employee satisfaction. Only three out of the four hypotheses are supported. Conclusions: HRM practices are tools used by organisations to get the best out of their workers, thus, achieve superior business performance. The authors, therefore, recommend that organizations that want to remain competitive must ensure that various stakeholders are satisfied (including employees by implementing a robust HRM practices.

The Practice of Sustainable Facilities Management: Design Sentiments and the Knowledge Chasm

Directory of Open Access Journals (Sweden)

Abbas Elmualim

2009-12-01

Full Text Available The construction industry with its nature of project delivery is very fragmented in terms of the various processes that encompass design, construction, facilities and assets management. Facilities managers are in the forefront of delivering sustainable assets management and hence further the venture for mitigation and adaptation to climate change. A questionnaire survey was conducted to establish perceptions, level of commitment and knowledge chasm in practising sustainable facilities management (FM. This has significant implications for sustainable design management, especially in a fragmented industry. The majority of questionnaire respondents indicated the importance of sustainability for their organization. Many of them stated that they reported on sustainability as part of their organization annual reporting with energy efficiency, recycling and waste reduction as the main concern for them. The overwhelming barrier for implementing sound, sustainable FM is the lack of consensual understanding and focus of individuals and organizations about sustainability. There is a knowledge chasm regarding practical information on delivering sustainable FM. Sustainability information asymmetry in design, construction and FM processes render any sustainable design as a sentiment and mere design aspiration. Skills and training provision, traditionally offered separately to designers and facilities managers, needs to be re-evaluated. Sustainability education and training should be developed to provide effective structures and processes to apply sustainability throughout the construction and FM industries coherently and as common practice. Published in the Journal AEDM - Volume 5, Numbers 1-2, 2009 , pp. 91-102(12

Sustainability in Supply chain management is not enough

DEFF Research Database (Denmark)

Haas, Henning de

2009-01-01

To be or not to be - sustainable, that is the question. To be sustainable or green, seems to be the new mantra in supply chain management. Nearly every conference and SCS magazine has the topic on the agenda. The topic of sustainability is not new in a supply chain context. For some years Corporate...

Individual competencies for managers engaged in corporate sustainable management practices

OpenAIRE

Wesselink, R.; Blok, V.; Leur, van, S.; Lans, T.; Dentoni, D.

2015-01-01

Corporations increasingly acknowledge the importance of sustainable practices. Corporate social responsibility is therefore gaining significance in the business world. Since solving corporate social responsibility issues is not a routine job, every challenge in corporate social responsibility requires its own approach; and management competencies are crucial for designing appropriate approaches towards the realization of sustainable solutions. On the basis of seven corporate social responsibi...

Sustainable Ecotourism Management in Kenya | Okech | Ethiopian ...

African Journals Online (AJOL)

The study of ecotourism impacts and their management offers many opportunities to reflect on the importance of sustainability and the possibilities of implementing approaches which move us in a new direction. Sustainability, then, is about the struggle for diversity in all its dimensions. The concern for biodiversity, in its ...

A preliminary framework for corporate real estate sustainable management

Directory of Open Access Journals (Sweden)

Fauzi Nurul Sahida

2016-01-01

Full Text Available The global warming issue has motivated corporations to go green in their business operations including transforming from conventional real estate to green features real estate. However green CRE is more complex to manage due to a building’s significant impact on environmental, social and economic aspects. Thus the need to have a best practice guide or framework as reference is crucial. Unfortunately, no best practice guidelines on CRE management have been found to be sufficient as much uncertainty still exists on the sustainable performance measurement components. This research aims to explore and then summarize the present sustainable CREM practices and components relating to sustainable performance measurement integrating a sustainable theory that balances environmental, economic and social impacts. These act as indicators to measure the outcomes of the practice in the form of a generic model on sustainability preliminary framework for CRESM. The objectives of this research include identifying corporate real estate sustainable management (CRESM practice and components of sustainable performance measurement. The research uses content analysis method to analyse data gathered from literature and previous studies. The findings will be demonstrated in the form of a framework model on CRESM that will include14 CREM strategies and 15 components derived from analysis.

Global Banking System Regulatory Environment

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Oleh Mozhovyi

2017-03-01

Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

An assessment Model for Customer Relationship Management Process in Iranian Private-Commercial Banks

Directory of Open Access Journals (Sweden)

Tahmoures Hasangholi Pour

2012-03-01

Full Text Available According to several reports, in spite of huge investment on customer relationship management (CRM, risk of implementing such projects is high. One of failure factors is having no method to assess CRM success comprehensively. Nowadays, classic financial methods are common ways for assessing marketing and CRM initiatives. But, the mentioned models are unsuitable to assess investments like CRM that we expect to have intangible, indirect and strategic benefits. So, we need a process-oriented approach to assess all tangible and intangible factors of CRM process and complete existing models. In this paper, using a qualitative approach and grounded theory, a comprehensive and process-oriented CRM assessment model will be provided that considers all factors of customer relationship management in private-commercial banks of Iran. Finally, based on analysis of developed model, some suggestions will be offered for banking managers and future researchers.

12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

Science.gov (United States)

2010-01-01

..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

Shaping a sustainable energy future for India: Management challenges

International Nuclear Information System (INIS)

Bhattacharyya, Subhes C.

2010-01-01

Most of the studies on the Indian energy sector focus on the possible future scenarios of Indian energy system development without considering the management dimension to the problem-how to ensure a smooth transition to reach the desired future state. The purpose of this paper is to highlight some sector management concerns to a sustainable energy future in the country. The paper follows a deductive approach and reviews the present status and possible future energy outlooks from the existing literature. This is followed by a strategy outline to achieve long-term energy sustainability. Management challenges on the way to such a sustainable future are finally presented. The paper finds that the aspiration of becoming an economic powerhouse and the need to eradicate poverty will necessarily mean an increase in energy consumption unless a decoupling of energy and GDP growth is achieved. Consequently, the energy future of the country is eminently unsustainable. A strategy focussing on demand reduction, enhanced access, use of local resources and better management practices is proposed here. However, a sustainable path faces a number of challenges from the management and policy perspectives.

Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

JURIDICAL AND ECONOMIC ANALYSIS OF THE CORPORATE SOCIAL RESPONSIBILITY IN THE BANKING MANAGEMENT FROM ROMANIA

Directory of Open Access Journals (Sweden)

Muresan (Potincu Laura

2015-07-01

Full Text Available At present, the corporate social responsibility must be regarded from a complex perspective. We consider that the social responsibility of the banks is what the community expects from a bank ecologically, economically, juridically, ethically, and philanthropically. Thus, the banking corporate social responsibility includes all these types of responsibilities: the ecological responsibility, the economic responsibility, the juridical responsibility, the ethical responsibility, and the philanthropic responsibility. Combining the juridical analysis with the marketing research, this work aims at the actual compliance with the corporate social responsibility by the banks from Romania, an European Union member state. The juridical regulations adopted mid 2013 at the European Union level bring a new approach to the relation between the most important categories of stakeholders – consumers and employees – and the bank by means of actual juridical specifications regarding the banking management. Presenting the most important provisions of Directive 2013/36/UE of the European Parliament and Council regarding the access to the activity of the credit institutions and prudential supervision of the credit institutions and investment companies, and of Regulation no. 575/2013 of the European Parliament and Council regarding the prudential requirements for the credit institutions and investment companies, in relation to the corporate social responsibility aspects offers an interesting image of the evolution of the legislative aspects regulating the banking management. One can note, in practice, the assimilation by the banks of the corporate social responsibility only with its philanthropic component, ignoring the most important elements of the social responsibility: the juridical responsibility, the ethical responsibility, or the economic responsibility. This work shows results of a quantitative marketing research which has been performed in Bra

Sustainable Transportation - Indicators, Frameworks, and Performance Management

DEFF Research Database (Denmark)

Gudmundsson, Henrik; Hall, Ralph P.; Marsden, Greg

This textbook provides an introduction to the concept of sustainability in the context of transportation planning, management, and decision-making. The book is divided into two parts. In the first part, indicators and frameworks for measuring sustainable development in the transportation sector...... are developed. In the second, the authors analyze actual planning and decision-making in transportation agencies in a variety of governance settings. This analysis of real-world case studies demonstrates the benefits and limitations of current approaches to sustainable development in transportation. The book...... concludes with a discussion on how to make sustainability count in transportation decision-making and practice....

BIM: Enabling Sustainability and Asset Management through Knowledge Management

Directory of Open Access Journals (Sweden)

Robbert Anton Kivits

2013-01-01

Full Text Available Building Information Modeling (BIM is the use of virtual building information models to develop building design solutions and design documentation and to analyse construction processes. Recent advances in IT have enabled advanced knowledge management, which in turn facilitates sustainability and improves asset management in the civil construction industry. There are several important qualifiers and some disadvantages of the current suite of technologies. This paper outlines the benefits, enablers, and barriers associated with BIM and makes suggestions about how these issues may be addressed. The paper highlights the advantages of BIM, particularly the increased utility and speed, enhanced fault finding in all construction phases, and enhanced collaborations and visualisation of data. The paper additionally identifies a range of issues concerning the implementation of BIM as follows: IP, liability, risks, and contracts and the authenticity of users. Implementing BIM requires investment in new technology, skills training, and development of new ways of collaboration and Trade Practices concerns. However, when these challenges are overcome, BIM as a new information technology promises a new level of collaborative engineering knowledge management, designed to facilitate sustainability and asset management issues in design, construction, asset management practices, and eventually decommissioning for the civil engineering industry.

BIM: Enabling Sustainability and Asset Management through Knowledge Management

Science.gov (United States)

2013-01-01

Building Information Modeling (BIM) is the use of virtual building information models to develop building design solutions and design documentation and to analyse construction processes. Recent advances in IT have enabled advanced knowledge management, which in turn facilitates sustainability and improves asset management in the civil construction industry. There are several important qualifiers and some disadvantages of the current suite of technologies. This paper outlines the benefits, enablers, and barriers associated with BIM and makes suggestions about how these issues may be addressed. The paper highlights the advantages of BIM, particularly the increased utility and speed, enhanced fault finding in all construction phases, and enhanced collaborations and visualisation of data. The paper additionally identifies a range of issues concerning the implementation of BIM as follows: IP, liability, risks, and contracts and the authenticity of users. Implementing BIM requires investment in new technology, skills training, and development of new ways of collaboration and Trade Practices concerns. However, when these challenges are overcome, BIM as a new information technology promises a new level of collaborative engineering knowledge management, designed to facilitate sustainability and asset management issues in design, construction, asset management practices, and eventually decommissioning for the civil engineering industry. PMID:24324392

Managing the bank service encounter: A conceptual model

Directory of Open Access Journals (Sweden)

K. K. Govender

1999-06-01

Full Text Available In financial services marketing, especially among banks, there are a limited number of chances to impress the customer, since the services are becoming more automated. Since personal interactions with customers are becoming less numerous, customers are expecting higher quality contacts and more individual treatment. This paper proposes a service encounter management model which may impact on the customers service experience. By matching service employees with customers, the effects of certain human resources strategies may be ascertained through the customers perception of the employee service quality and the overall service quality. Opsomming Daar is 'n beperkte geleenthede om die finansiele dienste klient, veral die in banke, te beindruk, aangesien dienste al meer ge-outomatiseer raak. Seinde persoonlike kontak met kliente al minder word, verwag kliente hoer gehalte kontak en meer individuele behandeling. Hierdie artikel stel 'n bestuursmodel vir diensontmoetings voor wat 'n impak op kliente se dienservarings mag he. Deur dienswerknemers met kliente te verbind kan bepaalde menslike hulpbronstrategie-effekte vasgestel word, deur middel van kliente se persepsie van werknemer-diensgehalte en algemene diensgehalte.

Innovative Trends Of International Banking Business (Case Of Azerbaijan

Directory of Open Access Journals (Sweden)

F. F. Murshudli

2018-01-01

Full Text Available Development of the international banking business, the formation of its new paradigm in the context of globalization of the financial system and the intensification of global economic relations in recent years requires the innovative component. The combination of innovations, financial and external economic environment is one of the most important factors that characterize the phenomenon of the “new economy”. Therefore, innovative processes should be considered in conjunction with the changes of the processes connected with the foreign trade banking. The article gives a brief overview of the scientific literature on the international banking business and its innovative trends. Prerequisites are disclosed, direction and purpose of banking innovations, the area of their implementation and multi-vector forms of manifestation, reveals problems of innovative development of the international banking business, identifies potential paths of their solutions. The necessity of implementation of the innovative methods and instruments of bank service of foreign economic activity is justified and measures for their introduction in this process are offered. A wide spectrum of innovative trends of international banking business is defined as internal competitive environment, and external vectors. The author draws the attention to the contribution of the improvement of the sustainability and competitiveness of the business in terms of volatility of market processes. In the article on the example of the Republic of Azerbaijan presents practical recommendations on the development of innovative technologies in the banking system, the implementation of main tasks in this area, which are aimed to the development of effective management decisions on innovative international banking business in the foreseeable short and medium term.

Pengaruh Customer Relationship Management Terhadap Tingkat Kepuasan Nasabah Pada PT. Bank Riau Kepri Cabang UTAMA Pekanbaru

OpenAIRE

Othman, Lie; Winanda, Riza Bella

2014-01-01

The aim of this research is to analyze the implementation of Customer Relationship Management and customer satisfaction level of PT. Bank Riau Kepri Pekanbaru Main Branch and see its effects. Results of the study concluded that the implementation of CRM in PT. Bank Riau Kepri Pekanbaru Main Branch that includes indicators of people, processes and technology have been rated good overall. Customer satisfaction level of PT. Bank Riau Kepri Pekanbaru Main Branch that is seen from the indicator of...

Sustainability Management Program for Industries- A Case Study

Directory of Open Access Journals (Sweden)

Long Su Weng Alwin

2017-01-01

Full Text Available This research studied the effectiveness of Sustainability Management Program in improving production efficiency of the manufacturing site with verified result using the regression analysis. For this study, a dairy manufacturing industry located in Malaysia was selected and major energy consuming equipment in the industryplant were identified. Sustainability Management Program (SMP was carried out for three years and energy consumption and product has improved regression coefficients of 0.625 in 2013, 0.826 in 2014, and 0.878 in 2015 as the manufacturing site becomes more energy efficient. This suggests that the energy management should be carried out in a continuous manner with energy management team responsible for energy saving practices.

12 CFR 1500.2 - What are the limitations on managing or operating a portfolio company held as a merchant banking...

Science.gov (United States)

2010-01-01

... of the portfolio company. Examples of the types of actions that may be subject to these types of... operating a portfolio company held as a merchant banking investment? 1500.2 Section 1500.2 Banks and Banking... on managing or operating a portfolio company held as a merchant banking investment? (a) May a...

Supply Chain Management and Sustainability : Procrastinating Integration in Mainstream Research

NARCIS (Netherlands)

De Brito, M.P.; Van der Laan, E.A.

2010-01-01

Research has pointed out opportunities and research agendas to integrate sustainability issues with supply chain and operations management. However, we find that it is still not mainstream practice to systematically take a sustainability approach in tackling supply chain and operations management

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

Assessment of the Middle Administrative Leadership's Awareness of the Implementation of the Concept of Total Quality Management (TQM in Commercial Banks operating in Jordan

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Firas Mohammed Al Rawashdeh, Dr.

2014-06-01

Full Text Available This study aims to identify the role of the modern concept of total quality management (TQM and how it is applied by the middle management that links between senior management and clients in the most important service sector: banks. It also aims to identify the middle management's awareness and understanding of the concept and importance of applying total quality management in commercial banks operating in Jordan. In general, the study found that there is a high awareness and understanding of the concept of total quality management. Middle management is also fully aware of the meaning and importance of total quality, but the role of middle management in the application of total quality management in commercial banks was very low. There are obstacles hindering the application of Total Quality Management. Therefore, the study recommended that middle management should be given the opportunity to apply Total Quality Management, because the role of this management is executive and has an important role in this area. There should be therefore a training plan with a timetable for all levels of management in the bank, and the banks should provide effective communication channels to identify customers’ needs, and create distinguished human relations among the staff. The workers should also be involved in the formulation of the vision and message of the bank. The researcher also recommended that there should be specialized administrative units interested in total quality management.

CSR Practices at Bank Islam Malaysia Berhad (BIMB: Managing CSR Fund

Directory of Open Access Journals (Sweden)

Fathiyyah Abu Bakar

2014-03-01

Full Text Available The notion of CSR from Islamic perspective has been viewed as a comprehensive discourse when it is already embedded the element of spiritual (Tawhid and Taqwa, economics, ethics and legality. However, there is a black box in the process of managing CSR fund which is used to conduct the CSR initiatives. Thus, this study attempts to revisit the issues by discussing Islamic concept of CSR practices and to gain insights the process of managing various sources of CSR fund. By using case study approach, a group of key CSR players at Bank Islam Malaysia Berhad as well as the recipients of the initiatives have been interviewed. Moreover, an in-field observation and CSR documentations analysis have been employed to get the whole picture of managing the CSR activities and also the fund. The results show that he CSR initiatives at the bank are highly associated with religious obligations and the main source of CSR fund is derived from the zakat fund. In addition, donation, non-compliance Shariah income and purification fund have been used to fulfill various stakeholders' demands. Thus, these findings provide an avenue to conceptualize the concept and practices of CSR in Islamic view and encourage other business entities to manage their financial resources (CSR fund systematically to support the CSR activities.

Small finance banks: Challenges

Directory of Open Access Journals (Sweden)

Jayadev M

2017-12-01

Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

Financial management information systems 25 years of World Bank experience on what works and what doesn't

CERN Document Server

Dener, Cem; Dorotinsky, William Leslie

2011-01-01

Since 1984, the World Bank has financed 87 Financial Management Information System (FMIS) projects in 51 countries totaling over US 2.2 billion, of which US 938 million was for FMIS related information and communication technology (ICT) solutions. This study presents the World Bank?s experience with these investment operations to share the achievements and challenges observed, and provide guidance for improving the performance of future projects. The report is structured according to four overarching questions:?What historical patterns emerge from World Bank financed Treasury/FMIS projects?Thi

Design for Sustainability and Project Management Literature – A Review

DEFF Research Database (Denmark)

Ali, Faheem; Boks, Casper; Bey, Niki

2016-01-01

management literature has hardly been considered in design for sustainability research, this article attempts to review the points of intersection between these two fields, and explores the potential that knowledge from project management literature has in improving efficiency and effectiveness...... of development and implementation of design for sustainability tools.......The growing pressure on natural resources and increasing global trade have made sustainability issues a prime area of concern for all businesses alike. The increased focus on sustainability has impacted the way projects are conceived, planned, executed and evaluated in industries. Since project...

Managed Aquifer Recharge (MAR in Sustainable Urban Water Management

Directory of Open Access Journals (Sweden)

Declan Page

2018-02-01

Full Text Available To meet increasing urban water requirements in a sustainable way, there is a need to diversify future sources of supply and storage. However, to date, there has been a lag in the uptake of managed aquifer recharge (MAR for diversifying water sources in urban areas. This study draws on examples of the use of MAR as an approach to support sustainable urban water management. Recharged water may be sourced from a variety of sources and in urban centers, MAR provides a means to recycle underutilized urban storm water and treated wastewater to maximize their water resource potential and to minimize any detrimental effects associated with their disposal. The number, diversity and scale of urban MAR projects is growing internationally due to water shortages, fewer available dam sites, high evaporative losses from surface storages, and lower costs compared with alternatives where the conditions are favorable, including water treatment. Water quality improvements during aquifer storage are increasingly being documented at demonstration sites and more recently, full-scale operational urban schemes. This growing body of knowledge allows more confidence in understanding the potential role of aquifers in water treatment for regulators. In urban areas, confined aquifers provide better protection for waters recharged via wells to supplement potable water supplies. However, unconfined aquifers may generally be used for nonpotable purposes to substitute for municipal water supplies and, in some cases, provide adequate protection for recovery as potable water. The barriers to MAR adoption as part of sustainable urban water management include lack of awareness of recent developments and a lack of transparency in costs, but most importantly the often fragmented nature of urban water resources and environmental management.

Does participatory forest management promote sustainable forest utilisation in Tanzania?

DEFF Research Database (Denmark)

Treue, Thorsten; Ngaga, Y.M.; Meilby, Henrik

2014-01-01

Over the past 20 years, Participatory Forest Management (PFM) has become a dominant forest management strategy in Tanzania, covering more than 4.1 million hectares. Sustainable forest use and supply of wood products to local people are major aims of PFM. This paper assesses the sustainability...... of forest utilisation under PFM, using estimates of forest condition and extraction rates based on forest inventories and 480 household surveys from 12 forests; seven under Community Based Forest Management (CBFM), three under Joint Forest Management (JFM) and two under government management (non......-PFM). Extraction of products is intense in forests close to Dar es Salaam, regardless of management regime. Further from Dar es Salaam, harvesting levels in forests under PFM are, with one prominent exception, broadly sustainable. Using GIS data from 116 wards, it is shown that half of the PFM forests in Tanzania...

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

Conference Summary Report from ENS`95. Sustainable Resource Management

Energy Technology Data Exchange (ETDEWEB)

Holdgate, M [ed.

1996-12-31

This publication gives a survey of the ENS`95 conference held in Stavanger (Norway). The publication presents a conference summary and lists of papers for each of the main themes covering sustainable energy production and consumption (challenges and opportunities), international trade and sustainable development, sustainable resource management and economic development in the northern circumpolar region together with sustainable forestry and food production

Conference Summary Report from ENS`95. Sustainable Resource Management

Energy Technology Data Exchange (ETDEWEB)

Holdgate, M. [ed.

1995-12-31

This publication gives a survey of the ENS`95 conference held in Stavanger (Norway). The publication presents a conference summary and lists of papers for each of the main themes covering sustainable energy production and consumption (challenges and opportunities), international trade and sustainable development, sustainable resource management and economic development in the northern circumpolar region together with sustainable forestry and food production

Sustainable supply chain management: current debate and future directions

Directory of Open Access Journals (Sweden)

Bruno Silvestre

Full Text Available Abstract This paper is a research brief on sustainable supply chain management and covers some of the key elements of literature’s past debate and trends for future directions. It highlights the growth of this research area and reinforces the importance of a full consideration of all three key dimensions of sustainability when managing sustainable supply chains, i.e., the financial, environmental and social dimensions. Therefore, supply chain decision makers need to unequivocally assess the impact of their decisions on the financial, environmental and social performances of their supply chains. This paper also argues that risks and opportunities are the key drivers for supply chain decision makers to adopt sustainability within their operations, and that barriers to sustainability adoption exist. This research highlights that, depending on the focus adopted, supply chains can evolve and shift from more traditional to more sustainable approaches over time. The paper concludes with some promising avenues for future investigation.

Grazing animal husbandry based on sustainable nutrient management

NARCIS (Netherlands)

Hermans, C.; Vereijken, P.H.

1995-01-01

Sustainable husbandry systems for grazing animals (cattle and sheep) can be achieved by sustainable nutrient management (SNM). This implies the tuning of inputs to outputs of nutrients, to achieve and maintain optimum ranges of agronomically wanted and ecologically acceptable reserves of single

Does Income Diversification Benefit the Sustainable Development of Chinese Listed Banks? Analysis Based on Entropy and the Herfindahl–Hirschman Index

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Huichen Jiang

2018-04-01

Full Text Available We collected data pertaining to Chinese listed commercial banks from 2008 to 2016 and found that the competition between banks is becoming increasingly fierce. Commercial banks have actively carried out diversification strategies for greater returns, and the financial reports show that profits are increasingly coming from the non-interest income benefits of diversification strategies. However, diversification comes with risk. We built a panel threshold model and investigated the effect of income diversification on a bank’s profitability and risk. Diversification was first measured by the Herfindahl–Hirschman index (HHI, and the results show that there is a nonlinear relationship between diversification and profitability or risk does exist. We introduced an interesting index based on the entropy to test the robustness of our model and found that a threshold effect exists in both our models, which is statistically significant. We believe the combination of the entropy index (ENTI and the HHI enables more efficient study of the relationship between diversification and profitability or risk more efficiently. Bankers and their customers have increasingly been interested in income diversification, and they value risk as well. We suggest that banks of different sizes should adopt the corresponding diversification strategy to achieve sustainable development.

Innovation Management for Sustainable Development Practices in the Internalization Context

Directory of Open Access Journals (Sweden)

Clandia Maffini Gomes

2011-06-01

Full Text Available To provide new inferences on the relation between the management of technology information, sustainable development and the innovative performance of firms, a survey was carried out among Brazilian industrial enterprises with innovative characteristics. The study sought to understand how technological innovation management practices that take social and environmental responsibility into account influence firms’ internationalization process. The independent and dependent variables suggest that there is a connection between managing technology for sustainable development and innovative performance. We tried to identify the main technological management practices that reflect commitment to sustainable development. The results suggest that firms’ international success and high degree of competitiveness are based on offering innovative technology solutions that show commitment to the environment. The study identifies important elements of an emerging area of knowledge in the field of management sciences.

Perceptions of Sustainable Marketing Management by Export Companies in Serbia

Directory of Open Access Journals (Sweden)

Zoran I Čajka

2013-07-01

Full Text Available The present research paper deals with perceptions of sustainable marketing management in the strategies of export companies in Serbia. The objectives in this paper are manifold. They are to emphasize the importance of green marketing management in export activities of domestic companies which pursue their green management plan; to evaluate the company’s share in specific marketing segments, and to highlight the significance of successful green marketing management in modern business. Domestic green-oriented companies, which export their products to many different countries, look into the possibility of increasing their sales volumes. The findings in the paper support the hypotheses that domestic companies are perceptive of sustainable marketing issues in their business activities, and sustainable marketing management is becoming an important factor in business activities of modern companies.

Decision support modeling for sustainable food logistics management

NARCIS (Netherlands)

Soysal, M.

2015-01-01

Summary

For the last two decades, food logistics systems have seen the transition from traditional Logistics Management (LM) to Food Logistics Management (FLM), and successively, to Sustainable Food Logistics Management (SFLM). Accordingly, food industry has been subject to the recent

Business Sustainability and Undergraduate Management Education: An Australian Study

Science.gov (United States)

Fisher, Josie; Bonn, Ingrid

2011-01-01

The academic literature arguing that there is an urgent requirement for businesses to become more sustainable is rapidly expanding. There is also a demonstrated need for managers to develop a better understanding of sustainability and the appropriate strategies required to improve business sustainability. In addition, there have been international…

Cash efficiency for bank branches.

Science.gov (United States)

Cabello, Julia García

2013-01-01

Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.

Sustainable construction building performance simulation and asset and maintenance management

CERN Document Server

2016-01-01

This book presents a collection of recent research works that highlight best practice solutions, case studies and practical advice on the implementation of sustainable construction techniques. It includes a set of new developments in the field of building performance simulation, building sustainability assessment, sustainable management, asset and maintenance management and service-life prediction. Accordingly, the book will appeal to a broad readership of professionals, scientists, students, practitioners, lecturers and other interested parties.

Barriers and commitment of facilities management profession to the sustainability agenda

Energy Technology Data Exchange (ETDEWEB)

Elmualim, Abbas; Shockley, Daniel [ICRC, The School of Construction Management and Engineering University of Reading, Whiteknights, PO BOX 219 (United Kingdom); Valle, Roberto [ICRC, The School of Construction Management and Engineering University of Reading, Whiteknights, PO BOX 219 (United Kingdom); British Institute of Facilities Management (BIFM) (United Kingdom); Ludlow, Gordon [British Institute of Facilities Management (BIFM) (United Kingdom); Shah, Sunil [Jacobs, Reading (United Kingdom)

2010-01-15

The practice of sustainable facilities management (FM) is rapidly evolving with the increasing interest in the discourse of sustainable development. This paper examines a recent survey of the experiences of facilities managers in the rapidly growing and evolving industry in regard to the barriers and their commitment to the sustainability agenda. The survey results show that time constraints, lack of knowledge and lack of senior management commitment are the main barriers for the implementation of consistent and comprehensive sustainable FM policy and practice. The paper concludes that the diversity of the FM role and the traditional undervaluation of the contribution it makes to the success of organisations are partially responsible for lack of success in achieving sustainable facilities. The overwhelming barrier for sustainable FM practice is the lack of understanding, focus and commitment of senior executives in appreciating the opportunities, threats and need for strategic leadership and direction in driving essential change, and hence further the sustainability agenda. (author)

Sustainable waste management via incineration system: an Islamic ...

African Journals Online (AJOL)

Sustainable waste management via incineration system: an Islamic outlook for conservation of the environment. ... Journal of Fundamental and Applied Sciences ... Abstract. This paper would firstly examine solid waste management currently ...

A guideline for interpersonal capabilities enhancement to support sustainable facility management practice

Science.gov (United States)

Sarpin, Norliana; Kasim, Narimah; Zainal, Rozlin; Noh, Hamidun Mohd

2018-04-01

Facility management is the key phase in the development cycle of an assets and spans over a considerable length of time. Therefore, facility managers are in a commanding position to maximise the potential of sustainability through the development phases from construction, operation, maintenance and upgrade leading to decommission and deconstruction. Sustainability endeavours in facility management practices will contribute to reducing energy consumption, waste and running costs. Furthermore, it can also help in improving organisational productivity, financial return and community standing of the organisation. Facility manager should be empowered with the necessary knowledge and capabilities at the forefront facing sustainability challenge. However, literature studies show a gap between the level of awareness, specific knowledge and the necessary skills required to pursue sustainability in the facility management professional. People capability is considered as the key enabler in managing the sustainability agenda as well as being central to the improvement of competency and innovation in an organisation. This paper aims to develop a guidelines for interpersonal capabilities to support sustainability in facility management practice. Starting with a total of 7 critical interpersonal capabilities factors identified from previous questionnaire survey, the authors conducted an interview with 3 experts in facility management to assess the perceived importance of these factors. The findings reveal a set of guidelines for the enhancement of interpersonal capabilities among facility managers by providing what can be done to acquire these factors and how it can support the application of sustainability in their practice. The findings of this paper are expected to form the basis of a mechanism framework developed to equip facility managers with the right knowledge, to continue education and training and to develop new mind-sets to enhance the implementation of sustainability

Sustainable Supply Chain Management in Small and Medium Enterprises

Directory of Open Access Journals (Sweden)

Sebastian Kot

2018-04-01

Full Text Available The sector of small and medium-sized enterprises (SMEs plays a key role in the economies of all of the countries in the world. These entities constitute the basis for the development of the national and global economies. In a contemporary complex and competitive business environment, the adaptation of appropriate strategies is a particularly important effort to furthering the development of companies from the SMEs sector. In this context, the application of the concept of sustainable supply chain management (SCM in the operation strategy of SMEs seems to be a very important function. This supply chain also covers all three aspects of sustainable development: business, environmental, and social. The purpose of this article is to present the current state of the research in sustainable development in relation to managing the supply chain of SMEs, as well as the empirical findings in this area. The results found that all of the sustainability areas were very important in the supply chain management practices of the studied SMEs, despite the imbalance described in the literature. The study also presents the most important elements in the particular sustainability areas of SCM and SMEs.

Water Banks: Using Managed Aquifer Recharge to Meet Water Policy Objectives

Directory of Open Access Journals (Sweden)

Sharon B. Megdal

2014-05-01

Full Text Available Innovation born of necessity to secure water for the U.S. state of Arizona has yielded a model of water banking that serves as an international prototype for effective use of aquifers for drought and emergency supplies. If understood and adapted to local hydrogeological and water supply and demand conditions, this could provide a highly effective solution for water security elsewhere. Arizona is a semi-arid state in the southwestern United States that has growing water demands, significant groundwater overdraft, and surface water supplies with diminishing reliability. In response, Arizona has developed an institutional and regulatory framework that has allowed large-scale implementation of managed aquifer recharge in the state’s deep alluvial groundwater basins. The most ambitious recharge activities involve the storage of Colorado River water that is delivered through the Central Arizona Project (CAP. The CAP system delivers more than 1850 million cubic meters (MCM per year to Arizona’s two largest metropolitan areas, Phoenix and Tucson, along with agricultural users and sovereign Native American Nations, but the CAP supply has junior priority and is subject to reduction during declared shortages on the Colorado River. In the mid-1980s the State of Arizona established a framework for water storage and recovery; and in 1996 the Arizona Water Banking Authority was created to mitigate the impacts of Colorado River shortages; to create water management benefits; and to allow interstate storage. The Banking Authority has stored more than 4718 MCM of CAP water; including more than 740 MCM for the neighboring state of Nevada. The Nevada storage was made possible through a series of interrelated agreements involving regional water agencies and the federal government. The stored water will be recovered within Arizona; allowing Nevada to divert an equal amount of Colorado River water from Lake Mead; which is upstream of CAP’s point of diversion

Strategic Importance of Credit Risk Management to Shareholders’ Wealth-Sustanance in Nigerian Banks: an Empirical Analysis

Directory of Open Access Journals (Sweden)

Adebisi Sunday Abayomi

2012-02-01

Full Text Available This study highlighted the roles and strategic importance of credit risk management in thebanking industry vis-à-vis sustenance of shareholders’ wealth. The authors examined whether areduction in the non-performing credits in banks’ loan portfolio will reveal a possible correlationbetween effective credit risk management administration and shareholder’s wealth. In testing this,secondary data were sourced from the randomly selected five banks financials (between the period of2006 to 2010 with the use of relevant ratios. Twohypotheses were tested using multiple regressionand correlation method. The result of hypothesis one showed that the calculated r – statistics (r =.429,p<0.05 was greater than the tabulated r – statistics (r =.381 showing that the test was significantat0.05 alpha level. The result of hypothesis two alsoshowed that the calculated r-statistics (r=.403,p<0.05 was greater than tabulated r-statistics (r=.381 at 0.05 level of significance which impliedthat, there was a significant relationship betweencredit risk management and shareholders’ wealth.Based on these results, the authors recommended that, the banking sector should strive to employobjective standards of professionalism, experienceand high integrity in placement of managers whoare responsible for managing the credit portfolios;for this will largely influence the quality of riskassets management and debt recovery which will in-turn engender confidence in the banking industryand ensure the sustenance of shareholders’ wealth and investment.

Evolution of sustainability in supply chain management

DEFF Research Database (Denmark)

Rajeev, A.; Pati, Rupesh K.; Padhi, Sidhartha S.

2017-01-01

have urged several researchers and industry experts to work on Sustainable Production and Consumption issues within the context of Sustainable Supply Chain Management (SSCM). This paper comprehensively covers the exponential growth of the topic through an evolutionary lens. This article attempts...... to understand the evolution of sustainability issues by analysing trends across industries, economies, and through the use of various methodologies. A comprehensive thematic analysis was performed on 1068 filtered articles from 2000 to 2015, highlighting the development and importance of the body of knowledge....... The study proposes a conceptual framework to classify various factors along the triple bottom line pillars of sustainability issues in the context of supply chains. An in-depth study is conducted on 190 articles covering all pillars of sustainability (as per the proposed conceptual framework) on SSCM. We...

Soil mapping and processes modelling for sustainable land management: a review

Science.gov (United States)

Pereira, Paulo; Brevik, Eric; Muñoz-Rojas, Miriam; Miller, Bradley; Smetanova, Anna; Depellegrin, Daniel; Misiune, Ieva; Novara, Agata; Cerda, Artemi

2017-04-01

Soil maps and models are fundamental for a correct and sustainable land management (Pereira et al., 2017). They are an important in the assessment of the territory and implementation of sustainable measures in urban areas, agriculture, forests, ecosystem services, among others. Soil maps represent an important basis for the evaluation and restoration of degraded areas, an important issue for our society, as consequence of climate change and the increasing pressure of humans on the ecosystems (Brevik et al. 2016; Depellegrin et al., 2016). The understanding of soil spatial variability and the phenomena that influence this dynamic is crucial to the implementation of sustainable practices that prevent degradation, and decrease the economic costs of soil restoration. In this context, soil maps and models are important to identify areas affected by degradation and optimize the resources available to restore them. Overall, soil data alone or integrated with data from other sciences, is an important part of sustainable land management. This information is extremely important land managers and decision maker's implements sustainable land management policies. The objective of this work is to present a review about the advantages of soil mapping and process modeling for sustainable land management. References Brevik, E., Calzolari, C., Miller, B., Pereira, P., Kabala, C., Baumgarten, A., Jordán, A. (2016) Historical perspectives and future needs in soil mapping, classification and pedological modelling, Geoderma, 264, Part B, 256-274. Depellegrin, D.A., Pereira, P., Misiune, I., Egarter-Vigl, L. (2016) Mapping Ecosystem Services in Lithuania. International Journal of Sustainable Development and World Ecology, 23, 441-455. Pereira, P., Brevik, E., Munoz-Rojas, M., Miller, B., Smetanova, A., Depellegrin, D., Misiune, I., Novara, A., Cerda, A. (2017) Soil mapping and process modelling for sustainable land management. In: Pereira, P., Brevik, E., Munoz-Rojas, M., Miller, B

Private Banking Survey 2013: Success Through Innovation : Achieving Sustainability and Client-Centricity in Swiss Private Banking