Ökonomi & Finanzen

Questo libro esplora le relazioni tra l'età di un'impresa, le risorse possedute da un'impresa e l'efficacia dei sistemi di controllo interno dell'impresa nelle piccole imprese di Nairobi, in Kenya. Inoltre, questo libro esplora la relazione tra l'efficacia dei controlli interni e la performance finanziaria di un'impresa. Lo studio stabilisce che ci sono state carenze nei sistemi di controllo interno. Tuttavia, il grado di carenze variava da un'impresa all'altra. I componenti dei controlli interni che sono stati istituiti in modo debole sono l'analisi del rischio e la mancanza di un adeguato flusso di informazioni. L'autore ha stabilito che esiste una relazione negativa tra l'età dell'impresa e l'efficacia del suo sistema di controllo interno. Inoltre, i risultati stabiliscono che esiste una forte correlazione negativa tra le risorse detenute da un'impresa e le debolezze del controllo interno. L'autore stabilisce anche che esiste una debole relazione negativa tra le debolezze dei controlli interni e la performance finanziaria di un'impresa.

Die Kundenabwanderung ist ein Begriff, der in Bankinstituten verwendet wird, um festzustellen, wann ein Kunde wahrscheinlich seine Produkte oder schließlich seine Dienstleistungen von dem Finanzinstitut abzieht. Studien zeigen, dass jeder fünfte Kunde seine Dienste abbricht, was zu finanziellen Verlusten für die Bank führt, da es teurer ist, neue Kunden zu gewinnen, als die Kunden zu halten, die bereits mit dem Finanzinstitut verbunden sind. Der BBVA-Bank in der Filiale Ocaña ist diese Situation nicht fremd, weshalb es so wichtig ist, Strategien zu entwickeln, die es uns ermöglichen, die Kunden entsprechend ihren spezifischen Bedürfnissen zu betreuen. Auf diese Weise tragen wir zur Kundenbindung bei, indem wir von Monoprodukten zu Polyprodukten übergehen. Außerdem vermindern wir die Abwanderung der Kunden, indem wir die Vorteile des Sparens (CDT, Investmentfonds, meine Projektkonten usw.), des Kredits (Sparen, Konsum, Kreditkarten, revolvierender Kredit, Hypothek usw.) und der virtuellen Portale (BBVA Mobile, BBVA Wallet und BBVA Net) bekannt machen, die die Kunden durch direkte Einzahlung ihres Gehalts bei der Einrichtung erwerben können.

"Utechka" - äto termin, ispol'zuemyj w bankowskih uchrezhdeniqh dlq opredeleniq togo, kogda klient, skoree wsego, otkazhetsq ot swoih produktow ili w konechnom itoge otkazhetsq ot uslug finansowogo uchrezhdeniq. Issledowaniq pokazywaüt, chto 1 iz 5 chelowek, skoree wsego, otkazhetsq ot swoih uslug, chto wlechet za soboj finansowye poteri dlq banka, poskol'ku priobretenie nowyh klientow obhoditsq dorozhe, chem uderzhanie teh klientow, kotorye uzhe swqzany s finansowym uchrezhdeniem. Banku BBVA w filiale w Okan'e ne chuzhda takaq situaciq, poätomu tak wazhno sozdawat' strategii, kotorye pozwolqüt nam sledit' za klientami w sootwetstwii s ih konkretnymi potrebnostqmi. Blagodarq ätomu my sposobstwuem powysheniü loql'nosti klientow, perehodq ot monoproduktow k poliproduktam. Krome togo, my predotwraschaem ottok klientow, rasskazywaq o preimuschestwah sberezhenij (CDT, inwesticionnye fondy, moi proektnye scheta i t. d.), kreditow (sberegatel'nye, potrebitel'skie, kreditnye karty, wozobnowlqemye kredity, ipoteka i t. d.) i wirtual'nyh portalow (BBVA Mobile, BBVA Wallet i BBVA Net), kotorye klienty mogut priobresti, naprqmuü deponiruq swoü zarplatu w organizacii.

The "leakage" is a term used in banking institutions to determine when a customer is likely to withdraw their products or ultimately has withdrawn their services from the financial institution. There are studies that show that 1 in 5 people are likely to withdraw their services, which causes economic losses for the entity, because it is more expensive to get new customers than to retain those customers who are already linked to the financial institution. The BBVA bank in the Ocaña branch is no stranger to this situation, which is why it is so important to create strategies that allow us to follow up with customers according to their specific needs. With this we contribute to customer loyalty, going from mono-products to poly-products. In addition, we mitigate customer leakage by publicizing the benefits of savings (CDT, investment funds, my project accounts, etc.), credit (savings, consumption, credit cards, revolving quota, mortgage, etc.) and virtual portals (BBVA Móvil, BBVA Wallet and BBVA Net) that customers can acquire by direct deposit of their payroll with the bank.

In diesem Buch werden die Beziehungen zwischen dem Alter eines Unternehmens, den Ressourcen eines Unternehmens und der Wirksamkeit der internen Kontrollsysteme in kleinen Unternehmen in Nairobi, Kenia, untersucht. Darüber hinaus wird in diesem Buch die Beziehung zwischen der Wirksamkeit der internen Kontrollen und der finanziellen Leistungsfähigkeit eines Unternehmens untersucht. Die Studie stellt fest, dass die internen Kontrollsysteme Mängel aufwiesen. Das Ausmaß der Mängel variierte jedoch von einem Unternehmen zum anderen. Die Komponenten der internen Kontrollen, die nur unzureichend eingeführt wurden, waren die Risikoanalyse und der Mangel an einem angemessenen Informationsfluss. Der Autor stellte fest, dass ein negativer Zusammenhang zwischen dem Alter eines Unternehmens und der Wirksamkeit seines internen Kontrollsystems besteht. Darüber hinaus wird festgestellt, dass ein starker negativer Zusammenhang zwischen den Ressourcen eines Unternehmens und den Schwächen der internen Kontrollen besteht. Der Autor stellt auch fest, dass ein schwacher negativer Zusammenhang zwischen den Schwächen der internen Kontrollen und der finanziellen Leistungsfähigkeit eines Unternehmens besteht.

A book entitled ¿Applications of IoT in Agriculture Development written by Prof. Dr. K. Prathapan and Prof. Dr. Anil Gaikwad is a decent contribution to the Agriculture Area the Authors have taken the great efforts to create the awareness about the IoT and its application to the important area of agriculture. This Book is important for all students who are learning the Degree and PG in agriculture sciences and engineering, department of agriculture and Central and State government. Officers of agriculture department and farmers at large. It also explains the need of the use of advanced technology in the area of agriculture. This book will be a decent contribution in the field of agriculture and also it will benefit the farmers in increasing the yield.

This book is based on a study conducted to determine the impact of behavioral biases on the nature and extent of financing decisions made by financial managers. Six specific biases were explored: managerial overconfidence, managerial overoptimism, regret aversion, anchoring, mental accounting, and conservatism. The study population was drawn from financial managers of entities listed on the Nairobi Securities Exchange. Findings revealed that managers predisposed to overconfidence, anchoring, and mental accounting biases were more inclined towards debt and equity compared to internal capital, with equity being most preferred followed by debt and then internal sources of capital. However, those with an overoptimism bias ranked debt highest, followed by equity, with the lowest ranking for internal capital. On the other hand, managers with a predisposition towards regret aversion and conservatism biases highly ranked internal capital and debt compared to equity; internal capital was most preferred followed by debt and then equity. Consequently, a set of recommendations aimed at enhancing the effectiveness of management decisions is suggested for consideration.

Cet ouvrage traite des opérations d'import-export et plus généralement des transactions commerciales internationales en Afrique dans le contexte de la mise en oeuvre de la Zone de Libre Echange Continentale Africaine (ZLECAf).Il s'adresse princiaplement aux professionnels du commerce mais peut être également utilisé à des fins academiques notamment au niveau de l'enseignement supérieur ou encore servir de guide pour les personnes en charge de l'élaboration des politiques en matière de commerce. Rédigé de facon pratique, il fournit d'abord une bonne compréhension du Système Commercial Multilatéral. Ensuite, il soulève les principales questions auxquelles tout professionnel de l'import-export doit préalablement repondre avant de se lancer à l'export s'il veut durablement réussir dans le commerce international. Il présente enfin les techniques, les outils et les aides nécéssaires à la réussite d'une opération d'export. Les illustrations contenues dans cet ouvrage sont tirés de l'expérience de l'auteur en tant qu'expert en commerce international, et de ses activités, en tant qu'acteur de la longue chaine d'élaboration des politiques commerciales en Afrique.

Esta investigación, por su diseño es descriptivo-correlacional, y su objetivo es analizar, con base en la opinión de emprendedores de pymes de Hermosillo, Sonora, cómo la innovación impacta en el emprendimiento, lo cual es fundamental para crear estrategias de gestión empresarial que fomenten el espíritu emprendedor y satisfagan las necesidades del mercado. Los resultados obtenidos demuestran la importancia de que se incorporen en los emprendimientos, se incorporen estrategias innovadoras basadas en programas de planificación estratégica dentro de sus procesos administrativos, con el fin de alcanzar competitividad empresarial. Como conclusión final, se puede decir que, en el contexto actual, la cultura empresarial se fundamenta en la creatividad y la innovación de manera constante y esto se debe a que, en el ámbito empresarial es crucial impulsar un enfoque que conduzca a un entorno empresarial competitivo tanto a nivel nacional como internacional.

The role of FIIs in the Indian stock market is continuously contradicted on the ground that whether these investors with their financial direct the Indian stock market and causing volatility in the Indian stock market that may destabilize the financial system of the country. FIIs with its short term nature of investment often referred to as ¿hot money¿ can have bidirectional causation in the Indian financial system with the return and risk perspective of other constituent financial markets such as money market, stock market and foreign exchange market. FIIs can also exerts a good pressure on the Indian financial market in the short run that often lead to volatility and instability in the economy and financial system in the long run. As this cause of worry exists, this topic has been an interesting area of studies and arguments.

L'écosystème entrepreneurial et des startups se développe rapidement en Algérie, porteur d'espoir face à la crise économique. De plus en plus de jeunes se lancent et créent des entreprises innovantes. Le gouvernement algérien met en place des mesures concrètes pour soutenir ce secteur. On assiste à l¿émergence de succès stories qui servent de modèle. Selon les experts, les startups pourraient constituer un relais de croissance décisif pour le pays et un important vivier d¿emplois pour les jeunes. D¿ici 2025, plus de 100 000 emplois pourraient être créés. Le défi principal est de développer la culture de l'entrepreneuriat et de l'innovation au sein de la société algérienne.

Studienarbeit aus dem Jahr 2022 im Fachbereich VWL - Finanzwissenschaft, Note: 1,0, IU Internationale Hochschule, Veranstaltung: Finanzierung, Sprache: Deutsch, Abstract: Ziel dieser Literaturübersichtsarbeit ist es, die Vorteile einer aktiven Steuerung der Kapitalstruktur für Unternehmen aufzuzeigen. Verschiedene Faktoren beeinflussen Kapitalstrukturentscheidungen. Zu diesen Faktoren zählen beispielsweise Branche, Größe, Zugangsmöglichkeiten zum Kapitalmarkt, Kapitalintensität, regulatorische Aspekte, Ertragspotential oder Geschäftsstrategie eines Unternehmens. Mit dieser Arbeit soll ein Einstieg und erster Überblick zum breiten Themengebiet der Kapitalstruktur und dessen Bedeutung gegeben werden.Die Arbeit ist hierzu wie folgt gegliedert: Im zweiten Kapitel werden finanztheoretische Grundlagen vorgestellt. Dabei wird der Begriff der Kapitalstruktur definiert und auf den Aufbau der Bilanz, unterschiedliche Finanzierungsarten sowie den Leverage-Effekt eingegangen. Anschließend werden verschiedene Theorien vorgestellt, die sich mit der Kapitalstruktur von Unternehmen beschäftigen. Die Theorien beleuchten die Bedeutung beziehungsweise Auswirkungen verschiedener Kapitalstrukturen. Auf Grundlage der Kapitalstrukturtheorien sowie Studien zum Vorgehen in der Unternehmenspraxis werden im dritten Kapitel Vorteile aufgezeigt, die sich für Unternehmen durch eine aktive Steuerung der Kapitalstruktur ergeben. Das letzte Kapitel fasst die Ergebnisse der Arbeit zusammen und gibt einen Ausblick auf weiterführende Fragestellungen.

Doctoral Thesis / Dissertation from the year 2021 in the subject Economics - Finance, grade: Distinction (4.81), Wilberforce Island (Post Graduate School), course: Banking and Finance, language: English, abstract: The study examines the determinants of access to and usage of financial services in sub-Saharan Africa. The study employed panel data spanning 2006 to 2018 from 12 sub-Sahara African countries. The ex-post facto research design and econometric techniques were employed to explain the determinants of financial inclusion. The descriptive statistics was employed to describe the nature of the data. The LLC and IPS tests of stationarity indicated that all the variables were stationary at first difference. The Pearson pairwise correlation test revealed that the strength of association among the regressors were weak. The panel data was estimated using Pooled OLS, Fixed Effects, and Random Effects panel estimation techniques. The findings show that aside GDP per capita and political stability that had insignificant effect on access; money supply and regulatory quality had a significant effect on access to financial services. Furthermore, the findings suggest that aside from regulatory quality and deposit rate, GDP per capita and automated teller machine exerts a significant effect on financial usage. The study further reveals that money supply and lending rate significantly stimulates usage of loan accounts, while regulatory quality was insignificant. The study concludes that a combination of macroeconomic, institutional, and bank-level factors determine the level of financial inclusion in sub-Saharan Africa. The study recommends that regulators should encourage a conducive environment that spurs competition and innovation in the private sector. This may encourage financial access and usage due to economic growth and rising GDP per capita levels. Regulators should adopt policies like Regulatory Impact Assessment (RIA) in order to enhance the regulatory quality and boost public confidence. Regulators and banks should encourage the expansion of the number of functional point of service outlets in the region. Finally, government agencies should formulate policies that would encourage socio-political stability for the financial service industry to strive in the region.

This two-volume textbook teaches about the uniqueness and the difficulty of the European unification project. It describes, as clearly as possible, what Robert Schuman declared in 1950, that "... Europe will not be made all at once¿". Navigating the nexus of four academic fields - political science, institutional analysis, economics, and history - the book serves as a reference work for accurate, exhaustive, and well-researched information on the creation and functioning of the European Union. Supported by numerous photographs, diagrams, maps, and sources, volume 1 sets out in a concise and readable way the European historical origins, the important steps in the creation of the European Union, and the treaties and historical events that have marked its course so far. Providing a comprehensive picture of the unification process and the functioning of this sui generis edifice of a united Europe, the book will serve as an essential textbook for undergraduate and graduate students studying the subject of European integration, as well as a useful resource for a broader audience interested in the European integration process.

Pieni rahakirja luotsaa lukijansa läpi kolmen yksinkertaisen askeleen kohti velattomuutta ja sen mukaan tuomaa elämän uutta keveyttä.

Embark on a riveting exploration into the heart of global finance with "Where Cross-Border Payments Fail: The Need for Ripple's XRP Ledger." This compelling non-fiction journey unveils the intricate web of challenges plaguing cross-border transactions, exposing the hidden pitfalls that hinder seamless financial interactions on a global scale.In this meticulously researched narrative, delve into the historical intricacies of cross-border payments, unveiling the cumbersome processes and archaic systems that have long fueled frustrations. Each chapter unfurls a different layer of the financial labyrinth, from the sluggish pace of international transfers to the exorbitant costs that act as barriers to economic growth.As the spotlight shifts to Ripple's revolutionary XRP Ledger, witness a transformative vision take shape. Ripple's solution emerges as a beacon of hope, addressing the very pain points that have plagued the industry for decades. The XRP Ledger's prowess in enhancing speed, reducing costs, and promoting transparency becomes evident, offering a glimpse into the future of cross-border transactions.With an expertly crafted narrative, this book transcends the mundane, inviting readers to understand the intricacies of financial systems and the pressing need for evolution. A call for modernization echoes throughout, backed by insights from industry experts, regulators, and the pioneers at Ripple. It's more than a book; it's a roadmap to a connected future, where cross-border payments are not just efficient but transformative. Brace yourself for a journey that challenges the status quo and propels you into the forefront of financial innovation.

Totally different than any other mentor on the planet, Your Marketing Mama is like the REAL (estate) mom you never knew you needed. Her PROVEN Realtor-Centric systems from her over 20 years winning in the industry are like the EASY BUTTON for your career. Let her life's work WORK for you!This Smart Agent Planner will guide you through tracking where your time, money & energy is spent in 2024 so that your Business Plan can produce the RESULTS you deserve! This planner helps Real Estate Agents set goals and then achieve them, all while logging the data to make educated decisions about the next step in a Real Estate Business.

In "Navigating Parenthood," Dr. [Your Name] delves into the intricate interplay between economic distress and child cognitive development. This comprehensive study, utilizing the renowned Family Stress Model, unravels the complex dynamics that shape the future of our children. With a sample of 12,440 kindergarten children from the Early Childhood Longitudinal Study - Kindergarten (ECLS-K), this research is a groundbreaking exploration of the relationship between economic challenges and crucial cognitive milestones.Key FindingsImplications for Parents"Navigating Parenthood" provides essential insights for parents navigating the challenges of raising children in the face of economic difficulties. Dr. [Your Name]'s research offers a nuanced understanding of the impact of financial stress on parenting practices and child cognitive development, empowering parents to make informed decisions for the well-being of their families.Who Should Read This Book?Embark on a journey of discovery with "Navigating Parenthood," a thought-provoking exploration that bridges the gap between economic challenges and the cognitive flourishing of the next generation.

El comercio de criptomonedas se ha convertido en una oportunidad rentable y emocionante en el mundo de las finanzas. Un número creciente de personas de todos los ámbitos de la vida están ingresando al mercado de comercio de criptomonedas para aprovechar el enorme potencial que brindan los activos digitales y la tecnología blockchain. Pero navegar por el intrincado e impredecible mercado de activos digitales implica algo más que simplemente buena suerte; También requiere una comprensión profunda de las estrategias y técnicas que pueden resultar en operaciones ganadoras. Profundizaremos en el fascinante mundo del comercio de criptomonedas en este libro electrónico, "Comercio de criptomonedas: el arte del comercio de criptomonedas - Estrategias para obtener ganancias en el mercado de activos digitales", y le brindaremos el conocimiento y las habilidades que necesita para navegar con confianza por este entorno dinámico.Comenzaremos por sentar una base sólida para el comercio de criptomonedas definiéndolas y destacando las ventajas y riesgos de este tipo de inversión. Comprender la industria de las criptomonedas es crucial, por lo que analizaremos los fundamentos de las criptomonedas, los participantes significativos, las tendencias del mercado y los factores que afectan los precios de las criptomonedas.

This is the Second Edition of this book - released in the beginning of 2024 - and is the updated version of Darren Sugiyama's original book that was released in 2021. A lot has changed in the world of Premium Financed Life Insurance in the last few years including increased interest rates, a recession, the crash of crypto currency, product changes, and industry regulated restrictions put on life insurance policy illustrations. As the most transparent premium financing intermediary in the life insurance industry, Darren Sugiyama thoroughly explains different methods of premium financing he uses with different types of clients based on their unique circumstances, including several new loan platforms he developed in 2023-2024. Sugiyama also takes a deep dive into discussing how IUL policy charges and credits work, the sustainability of the 0% floor, the difference between Fixed Policy Loans and Participating Policy Loans, and IUL multiplier features. The granular details of premium financing are articulated in a way that is highly detailed, yet succinctly expressed in a way that a life insurance novice can understand. Sugiyama transparently breaks down his methods of mathematically modeling Premium Financed Life Insurance with a spirit of authenticity, consumer protection, and full disclosure. In an industry that often times paints a very opaque picture regarding how financial instruments work, Sugiyama takes a disruptive approach by dispelling the myths and uncovering the truths about how many of these sophisticated estate planning instruments are built. This is an incredibly valuable book for both clients who are considering using Premium Financed Life Insurance as an estate planning tool, as well as financial advisors and life insurance agents who are considering offering these strategies as solutions for their high net worth clients.

Are you ready to unlock the full potential of your business, adapt to ever-changing landscapes, and thrive in an era of constant transformation? In today's fast-paced world, the key to success lies in your ability to ideate - to envision fresh ways of doing things, and most importantly, to deliver unparalleled value to your customers.Consider this: the past 50 years have witnessed an extraordinary whirlwind of change that has touched every facet of our lives, revolutionizing how we operate, market, account, serve, and lead. It's no exaggeration to say that ideation has been the driving force behind these transformations. It's been the guiding light for businesses to adapt, survive, and flourish.Ideas, when executed effectively, hold the power to ignite groundbreaking shifts that enhance the human experience. And in times of adversity, they have the remarkable ability to turn challenges into opportunities, to take the mundane and make it extraordinary. In the grand mosaic of business, ideation is the brushstroke that paints the future.This is why we introduce our book to you, a valuable resource that equips you with the five crucial steps to master the art of business ideation. Whether you're a manager seeking to optimize your operations, an employee striving to outperform, or an executive leading your organization to unparalleled heights, this book is your compass to navigate the evolving terrain of business.In these pages, you'll find the wisdom and insights that can fuel your innovation engine. We demystify the art of ideation, providing you with a clear, actionable roadmap to cultivate the seeds of brilliance that lie within you and your team. These five steps to business ideation will be your guiding light, showing you how to transform thoughts into tangible, game-changing strategies.Don't miss this opportunity to harness the power of ideation and breathe new life into your business endeavors. The world is evolving at an unprecedented pace, and it's time to step into the future with confidence. Secure your copy of this book, and let the journey to ideation excellence begin. Your business deserves it, and your future success demands it.

In Navigating Your Retirement, authors Matthew Sherman and Shon Peil explain in simple language and real tories how to eliminate the confusion of planning for your retirement. Each chapter focuses on one of the primary areas you need to address in order to navigate through the sometimes choppy waters of retirement. By addressing each area properly, you'll be able to identify the winds of change, use them to your advantage, and remain on a clear path to your destination. After reading this book you'll have full confidence in Navigating Your Retirement.Inside you'll learn about these five important areas that comprise a Retirement Shield: Social Security - when to take it and how to increase itIncome for Life - how to continue receiving a paycheck in retirementTaxes - what to do to lower or eliminate them altogetherLong-term Care - why this is so critical and how to pay for itThe "What If" scenarios of life - where you should look to avoid dangerous circumstancesYou'll also hear from people like you who have created their own Retirement Shield to protect their income, provide for their health, and prepare them to enjoy the rest of their life without worry or concern. Your retirement years should be the best years of your life. Make this true for yourself by reading and applying what you learn in Navigating Your Retirement.

Discover an indispensable guide to mastering the world of cryptocurrencies and blockchain. This book enables you to develop an in-depth understanding of the fundamental principles and advanced tools needed to invest and trade successfully.You will learn to :- Understand the basics of blockchain and the specifics of major cryptocurrencies.- Explore exchange platforms and adopt best practices to secure your transactions.- Master powerful trading strategies, from technical analysis (RSI, moving averages, chart patterns) to algorithmic trading.- Build a diversified portfolio and identify opportunities in staking, mining and DeFi projects.- Analyze market dynamics using tools such as fundamental analysis, Tokenomics and On-Chain data.- Understand the legal and tax implications of cryptocurrencies and their impact on your investments.This book is much more than a guide: it's a strategic tool for taking advantage of the rapid evolution of digital assets. You'll discover how emerging trends, such as the DeFi boom or the rise of metavers, are redefining the digital economy and offering unique opportunities.With practical advice on how to avoid common mistakes, manage your trading emotions, and stay up-to-date in this ever-changing industry, this guide is your ally in thriving in the digital age. Whether you're a beginner or an experienced investor, you'll have all the keys in hand to navigate the complex world of cryptocurrencies with confidence and expertise.

L'incertitude dans le monde d'aujourd'hui augmente en raison des changements économiques, politiques, technologiques et sociaux. L'étude de la gestion des risques est donc cruciale pour tout secteur d'activité afin de survivre à ces changements. Le secteur bancaire est l'un des secteurs confrontés à des risques importants en termes de gravité et de fréquence, ce qui nécessite une identification, une évaluation et une gestion critiques de ces risques. Ce livre fournit une analyse détaillée des mécanismes d'évaluation et de gestion des risques en prenant les banques commerciales éthiopiennes comme exemple. Il aborde les principaux risques auxquels les banques sont confrontées, notamment le risque de crédit, le risque de liquidité, le risque opérationnel, le risque de change et le risque de taux d'intérêt. En général, l'étude vise à examiner l'évaluation des risques, les mécanismes de gestion des risques et leur impact sur l'efficacité opérationnelle.

A incerteza no mundo de hoje está a aumentar devido às mudanças económicas, políticas, tecnológicas e sociais. O estudo da gestão do risco é, por conseguinte, crucial para que qualquer sector de atividade possa sobreviver a estas mudanças. O sector bancário é um dos sectores que enfrenta grandes riscos, tanto em termos de gravidade como de frequência, o que exige uma identificação, avaliação e gestão críticas desses riscos. Este livro apresenta uma análise pormenorizada dos mecanismos de avaliação e gestão dos riscos, tomando como exemplo os bancos comerciais etíopes. Neste livro, são abordados os principais riscos que os bancos enfrentam, incluindo o risco de crédito, o risco de liquidez, o risco operacional, o risco cambial e o risco de taxa de juro. Em geral, o estudo teve como objetivo investigar a avaliação do risco, o mecanismo de tratamento do risco e o seu impacto na eficiência operacional.

La incertidumbre en nuestro mundo actual es cada vez mayor debido a los cambios económicos, políticos, tecnológicos y sociales. Por ello, el estudio de la gestión de riesgos es crucial para que cualquier sector empresarial sobreviva a estos cambios. El sector bancario es uno de los que se enfrentan a grandes riesgos tanto en términos de gravedad como de frecuencia, lo que requiere una identificación, evaluación y gestión críticas de estos riesgos. Este libro ofrece un análisis detallado de los mecanismos de evaluación y gestión de riesgos tomando como ejemplo los bancos comerciales etíopes. En este libro se abordan los principales riesgos a los que se enfrentan los bancos, incluidos el riesgo de crédito, el riesgo de liquidez, el riesgo operativo, el riesgo cambiario y el riesgo de tipos de interés. En general, el estudio pretende investigar la evaluación del riesgo, el mecanismo de gestión del riesgo y su impacto en la eficiencia operativa.