This article proposes to analyze Grameen Bank operational system and its own evolution, illustrating the values that support this economics theory and the innovations that microcredit brings to the understanding of economics and banking phenomena.

This paper explores the influences of the approved results of loans cases, the loan applicants’ socioeconomic attributes in the decision of perusal loan. The results can improve the credit quality and avoid the misjudgment of screening personal loan customers and also establish a better...

This study analyse the trends in deposits and credit deployments of Regional Rural Banks (RRBs) in the State of Karnataka during the post reform period (March 1992- March 2008). Basic data for this study were collected from the various issues of Basic Statistical Returns of Scheduled Commercial...

The financial and banking crises around the world have prompted the regulators to revise, among others, the capital level of the banks to deal with the excessive risks taken by the banks, both conventional and Islamic. This study is the first attempt to investigate the relationship between risky...

This study empirically identifies factors that influenced geographic differentials in the bank closing rate in the United States over the period 1982 through 1990. Given the presence of censored data, the model adopts the tobit estimation procedure. The bank closing rate in a state is found to...

Small-scale Individual Enterprises and Micro Financed Businesses are seen as potential solution to eradicate poverty. With philanthropic approach meeting business investment by means of micro financing to empower budging entrepreneurs who lack significant sources of financial assistance it is of...

This research employs the Data Envelopment Analysis (DEA) and Malmquist index approaches to evaluate the efficiency and Total Factor Productivity (TFP) changes of Thai banking system in the period of 2007-2010 using panel data of 27 major banks in Thailand. This paper shows that the global...

Sir John Vickers (Chairman of the UK’s Independent Commission on Banking (2011)), published a discussion paper entitled “Some Economics of Banking Reform” (Vickers (2012)). This is my contribution to the “discussion”, that is, I make some criticisms of the paper. The Independent...

Following Taleb/Tapiero (2009) , the hypotheses are contrasted based on partial information of firms had losses (including external risk factors); the policy implications of this analysis are projected after evaluating two fundamental issues that continue to preoccupy the public opinion: how...

In this study we were motivated to ascertain whether the profit rates of the investment deposit accounts based on the profit and loss sharing contracts offered by the Islamic banks are truly based on the performance of the underlying assets or otherwise, by taking Malaysia as our case study....