Credit risk is one of the most important factors affecting the health of the banking system, in this regard; related factors can lead to the vulnerability of banks. Therefore, this research examines the background factors related to the reserve of suspicious claims of unusual access by Tehran Stock Exchange banks. In this research, the number of 14 banks admitted to the Tehran Stock Exchange in the period of 2012–2021 has been examined. In order to test the hypotheses, panel regression was used, the findings of the research show that, in general, the comparability of financial statements has a negative and significant effect on the provision of doubtful receivables and the reserve of doubtful receivables also has a positive and significant effect on the risk components.
The application of Value at Risk (VaR) methodology in the context of managing market risk has gained widespread acceptance as a standard for quantifying the inherent "market risk" associated with a range of financial instruments. This research seeks to assess the most suitable VaR model for the characterization of risk in the context of the Indian futures market, with a specific emphasis on Nifty futures. Through an examination of data covering the time frame from 2006 to 2015, a series of VaR estimations have been calculated, utilizing a variety of methodologies. These methodologies encompass parametric approaches such as variance-covariance, Exponentially Weighted Moving Average, and Generalized Auto-Regressive Conditional Heteroskedasticity, as well as non-parametric methods including historical simulation and Monte Carlo simulation. The analysis reveals that VaR models based on the normality assumption tend to provide underestimated risk estimates, particularly when dealing with returns that do not follow a normal distribution. In contrast, models that take into consideration the presence of fat-tail behavior in financial returns, such as historical simulation, exhibit better performance in accurately capturing the risk associated with these financial instruments.
The Cooperative Society is an important form of business that can be explored by its members for their sustainability. The basic objective behind the cooperative movement is to save rural and marginalized people from exploitation and are formed for various purposes. As per the Income Tax Act of India, a cooperative society is also treated as the assessee who is liable to pay taxin respect of their income. Though it is not categorized as a person in the Act, the cooperative societies are assessed as per provisions applicable to the Association of Persons. Like every person, the Income Tax Act also provides some exemption and relief from the payment of tax to the cooperatives for minimization of their tax liability. The paper intends to highlight the exemptions and tax benefits available to cooperative societies in India as provided by the Act.
Companies look for a variety of qualities in their personnel in addition to technical proficiency. Since a trained staff is essential to a company's success, employers always make an effort to hire only people who possess those talents. But in reality, educational institutions do not provide all of the talents that businesses need. In higher education institutions, students often only obtain between 50 and 60 percent of the necessary abilities. This study intends to identify the skill gap between the supply and demand of industry on the basis of the literature review and emphasize the significance of employability skills in the workplace. Previous research studies indicated crucial employability/soft skills include motivation, problem-solving, decision-making, self-management, and communication abilities.
In the past, financial education was restricted to the financial shelf in bookstores. Practical knowledge about investing was not discussed even in colleges that taught economic and financial courses. Today this has changed. The game has changed due to the internet. Today, knowledge is available at the tap of a finger. This creates both a great opportunity and a great challenge. No amount of reading, lectures or apps are going to help if you don't put your learning to practical use. The best way to ensure that is to go over your own finances and try and implement the tips learned. Financial education depends on mindset and habits as much as theory, thus it is imperative to make your own budgets, manage debts and plan for the future. As they say, an ounce of practice is worth a ton of talk.
The purpose of this abstract is to provide a summary of a study that explores the challenges and implications of linking digital accounting and household finances with financial planning in the modern era. The study examines the impact of technological advancements on the integration of digital accounting and household finances with financial planning. The paper highlights how these advancements have revolutionized the way households manage their finances and how the integration of these two aspects has become increasingly important. The paper investigates the challenges that households face in linking digital accounting and household finances with financial planning. Yes it is difficult to shift from offline to online accounting but on the other side we can see that digital accounting will take short amount of time for recording because payment is going online mode so recording can be done easily. Almost all said that it was a struggle to pay bills and meet other commitments. This study analyses the financial planning of human being and adoption of digital accounting by them using q-squared approached data and descriptive statistics that would be pictorial representation of financial behavior of households and individuals. A short survey has been taken for the household planning and difficulties faced by people during the global pandemic. The study was planned to diagnosed 150 groups of people sharing their experience of covid19 out of them 135 were the respondent including 57% male and 43% female participant.
The Indian commercial banking system has an important and prominent role in the development of economy. The financial crisis of 2008 has induced many economics scholars worldwide to study and analyse the impacts of crisis on the financial operational performances of the banks. Many economic scholars’ and researchers have analysed the banks performance by using the ratio like nonprofit asset, liabilities, Income, expenditure, margin ratio and return on equity ratio. However, there are other ratios which may affect on the banking performance. Hence The present study is in the context of literature review pertaining to the overall performance of banking sector after the economic crisis of 2008. This study also presents the literature review for training to the financial and operational performances of Indian commercial banks during the period of 2010 to 2020, The literature review pertaining to the positive and negative factors that have impacted on the performance of the banks and the impacts of digital banking system on the performance of the banks.
District Central Co-operative Bank provides capital to primary agricultural credit societies and accepts the deposits form registered and non registered members of the bank. This bank also control on all credit societies investment, liabilities and assets. It plays a significant role between state co-operative bank and primary societies. This study analysis the stat-wise comparison of liabilities and assets of district centre co-operative banks in India. Gujrat, Andhrapradesh and Tamilnadu are the states where found more fluctuation in the data of liabilities and assets of DCCBs. Thus, it seems that there is difference between banks regarding their capital and number of branches in the district. This variation is calculated by analysis of variance techniques.
The articles were shows however, using fish as the most important food product, we should not forget about its protection. The formation of stocks of commercial fish species is influenced not only by climatic conditions (changes in seasonal temperatures and illumination, habitat depth, hydrological and hydro chemical regime of the reservoir), but also by the influence of anthropogenic factors. By polluting water bodies, a person violates the conditions for reproduction and metabolism in fish, and food organisms die. Creating grandiose structures on the rivers, subordinating their rapid run to his will, a person forgets that without his help it is difficult for river inhabitants to cope with the onslaught of dams, water intakes and other hydraulic structures.
As a result of theoretical and practical research, the article identified the need for topical issues of liquidity management of commercial banks, the main criteria and factors influencing it, and developed scientific and practical recommendations for their solution.
Having political relations can affect the behavior of companies in terms of efficiency. One of the benefits of political relations of companies is their access to cash resources. These resources can be affected in companies that are members of the business group due to intra-group transactions. Accordingly, in this study, the impact of political connections and business groups on the level of cash holdings has been investigated. In this research, 118 companies listed on the Tehran Stock Exchange in the period 2014–2020 have been studied. To test the hypotheses, panel regression models were used. The research findings show that there is a positive relationship between political connections and the level of cash holdings and a significant negative relationship between dependence on business groups and the level of cash holdings.
The oil and gas industry is one of the largest sectors in the world in terms of dollar value, generating an estimated $3.3 trillion in revenue annually. This industry is one of the most important indicators in assessing the economy around the world. According to economists, it is expected that in the next decade it will remain such an important sector. In this article you can see some of the problems facing the oil and gas industry and their solutions, as well as a general analysis of the situation.
The article discusses the issues of regular control of public debt, indicators affecting the optimal public debt, analysis of internal and external debt, as well as ongoing reforms and measures for the effective management of public debt.
This article examines the concept of stability of the country's banking system, its role in the activities of banks, the current conditions of financial stability of banks, the dynamics of indicators characterizing the stability of banks and their current state. The article also presents the problems and challenges in ensuring the stability of the banking system of the country and the conclusions and recommendations developed to solve them.
Securities transactions are one of the main types of operations of commercial banks. Therefore, the development of banks’ operations with securities is one of the necessary conditions to ensure their liquidity and financial stability. The article identifies the problems associated with the development of securities operations of commercial banks and develops scientific proposals to address them.
The purpose of the study is to create the foundations for the formation of financially literate behavior of young people as a necessary condition for financial well-being and ensuring sustainable economic growth. In many countries of the world, awareness of the need to increase the financial literacy of the population has led to the formation of national financial education strategies or programs. In particular, foreign experience accumulated in this area is considered. This problem is considered extremely relevant at the present time, when the ability to properly and rationally manage. It is concluded, that based on the analysis of methods and techniques used in developed countries to improve the financial literacy of young people, it is possible to determine the real opportunities that exist in our country in terms of further development of financial self-education of citizens. The results of the study are of interest to parents of young people, secondary schools, and to a wide range of readers.
The article discusses the ways to overcome the problem of insolvency. It also discusses in detail the ways to overcome the problem of insolvency. Opinions and conclusions were formed on insolvency, macroeconomic stability, competitiveness of the national economy, investment environment, strengthening of payment discipline.
Today, the cluster principles of organization of production interaction at the regional level are widely spread. In order to apply a cluster policy in tourism regions, it is necessary to understand what is a tourist cluster, its goals and objectives, essence, principles, as well as determine the subject-object structure of the tourist cluster at the regional level.
Improving the country's economy by analyzing the experience of foreign countries in attracting foreign investment, the application of the practice of attracting foreign investment in agriculture, Indian industry, Indian IT and the tourism industry of the European Union to the Uzbek economy. At the same time, foreign experience has shown that the practice of redistributing investments across sectors according to their resources is highly effective.
The crypto market is growing rapidly in the post pandemic era. It is expected to grow at a rate 12% compounding per annum in the near future. There is a shift in investors’ interest towards crypto currencies has gained greater significance, Young India investors are keen in exploring newer investment avenues such as Bitcoin, Ethereum, Polygon, etc., which can provide them diversified returns. In India more than 15 million retail investors are currently trading with these digital currencies. The present study aims at examining the volatility in the crypto currencies market with the help of GARCH family models. The most powerful currency the Bitcoin and other currencies like Ethereum and Cardano were considered as samples to understand the volatility in the markets.
