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Register a new userThe Impact of interest rate on sales and redemptions of investment certificates in popular credit bank
أثر سعر الفائدة في مبيعات شهادات الاستثمار واسترداداتها في مصرف التسليف الشعبي
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تعد شهادات الاستثمار من الخدمات المصرفية الهامة التي تميز مصرف التسليف الشعبي عن غيره من المصارف العامة والخاصة, كما يشغل سعر الفائدة المفروض عليها من قبل مجلس النقد والتسليف دوراً كبيراً في البناء الاقتصادي للمجتمع. وبناء على ذلك تناول البحث بالترتيب أهم الأفكار التي تخدم موضوع البحث وفقاً لمايلي : 1- المفهوم العام لسعر الفائدة. 2- المفهوم العام لشهادات الاستثمار وأنواعها. 3- أثر التقلب في معدلات الفائدة على مبيعات شهادات الاستثمار واسترداداتها في مصرف التسليف الشعبي. وقد قمنا باستخدام بيانات سنوية لمتغيرات الدراسة ضمن الفترة (2012-2004), وتبين لنا وجود علاقة طردية قوية بين معدل الفائدة كمتغير مستقل ومبيعات شهادات الاستثمار كمتغير تابع وبمعامل ارتباط قدرة 98% وبين معدل فائدة شهادات الاستثمار واسترداداتها كمتغير تابع وبمعامل ارتباط قدره 97% .
The Investment of important banking service that characterizes the popular credit bank from other public and private banks from other public and private banks, certificates, also serves the interest rate imposed on it by the council of monetary and credit significant role in the economic structure or the society. Accordingly, the order intake find the mist important ideas that serve the research topic, according to the following: 1-The general concept of the interest rate. 2-The general concept of investment certificates and types. 3-Impact of validity in interest rates on the sales and redemptions of investment certificates in the popular credit bank. We have using annual data for the variables of the study with in the period (2004 -2012) in the popular credit bank.
References used
Mullineux,A.,Macdonld,G.andSensarma,R., Asymmetric Effect of Interest Rate changes ; The Role of the consumption- weath channel, available at SSRN,2007
Kapoor,M;Ravi,s. Effect of interest rate on consumption, A paper presented at the annual conference on economic growth and development at India school of Business, New Delhi,2008,135-119
Weston,JFred,et,al.Essentials of managerial Finance,u.s.a,The Dryden press,1996,35
السيد علي, عبد المنعم ؛ العيسى, نزار سعد الدين . النقود والمصارف والأسواق المالية , دار . الحامد للنشر , الطبعة الأولى, عمان ,208,2004
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The aim of this Search, is to study the impact of organizational power sources on work pressures, in public banking institutions in Syria, applied to popular Credit Bank, through an analytical descriptive approach that depends on books, research, Sci
entific journals in the theoretical side, in the practical side we applied Practical case in the popular Credit Bank where a field observation was carried out in one of the branches of the Popular Credit Bank, which is the branch of 29 th of May in Damascus, in the period from 10/5/2017 to 10/6/2017about Search dimensions. Then we have completed work, through an in-depth interview, on 17/6/2017 with the Assistant Director General of the Bank, in his office at the General Administration in Damascus, about the most important aspects related to the sources of organizational power and work pressures, and the nature of the relationship between them in Popular Credit Bank, then We designed a questionnaire based on previous studies, and download it on a website and distribute it electronically, by sending the link of participation to employees, through social media, Facebook and Watts up, For randomly chosen workers.
The interest issue was for long time ago and still one of the critical issues debated among economists through it monetary policy tools can be implemented in order to reach the economic goals set by the economic policy of any country, With the appear
ance of the banks, which have been considered as the backbone of the economy and the basic cell of the national economy growth and its engine as they keep, move, develop, and facilitate the exchange of
money the interest rate has become as a nervous system for commercial banks because of its significant impact on the revenues and expenses of these banks through the interest rates debtors and creditors imposed on their activities,Therefore, the main aim of this research is to study the impact of the net interest margin on the profitability of commercial bank by conducting an
empirical study in The Bank of Syria and Overseas (BSO), the commercial bank has been chosen because the interests debtors and creditors constitute the largest proportion of revenues and expenses of commercial banks by displaying the size of revenues and expenses of the bank and their vulnerability to interest rates imposed by the central bank this study found that the profitability of commercial banks consists mainly of the net interest margin
which reflects the difference between the creditor interests levied for the facilities granted and the debtors interests paid on deposits.
The objective of this study was to determine the factors
affecting the weighted interest rate margin in the traditional
commercial banking sector within the Syrian banking industry. To
achieve this, the researcher collected the necessary data on t
he
commercial banks listed in Damascus Securities exchange for the
period 2008-2014 and analyzed them statistically. The behavior of
a depended variable that reflect the weighted average of interest
rate margin to deposits and credit facilities (loans, overdraft) was
examined. Also the independent variables that reflect credit risk,
financing risk and some economic factors were examined. The
independent variables are the net exposures to direct credit risk,
the credit default rate, ratio of financial leverage and the exchange
rate of the Syrian Pound against the US Dollar. The multiple linear
regression models of the studied variables were used.
سعر الصرف
هامش سعر الفائدة المرجح
صافي التعرضات لمخاطر التسهيلات الائتمانية المباشرة
معدل التعثر الائتماني
نسبة الرفع المالي
weighted interest rate margin
net exposures to direct credit risk
the credit default rate
ratio of financial leverage
exchange rate of the Syrian Pound against the US Dollar
المزيد..
This paper aimed to identify the determinants of bank net interest rate margins
within the context of the Syrian banking industry. To achieve the objectives of the
study the data has been collected from those commercial banks listed on the
Damascu
s exchange stock (DES) during 2006-2010. The sample used in this study
consists of a panel data set for sixe commercial banks. The empirical specification
focuses on the reported net interest rate margin that is assumed to be a function of
operation cost, owner's equity, loans-to-asset proxy, size factor, market share,
growth rate, inflation factor, exchange rate. For testing purposes, panel data analysis
is used by employing three alternative models to estimate the parameters of the
model, the Pooled simple regression, the Fixed Effect Model and the Random Effect
Model.
Pubular Cridet Bank is considered the most efficient bank among others. The
Adminstration of the Pubular Cridet Bank worked to external the banking works through
technology and develope employees performance and improve the services of ( Deposits ,
Current account , loans ,…etc). This Study handles the important concepts in the list
below :
1- The most important technology used in the bank.
2- Employees performance in the bank.
3-The effect of the technology in improving employees performance in the Pubular
Cridet Bank.
This stydy has been implemented at Jablah branch and the result showed that the
available technology is not enough to develop the work performance and not enough to
accommodate the pressur of banking work in all the department of the bank.
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