Search results
21 – 30 of over 37000Danijela Tesendic and Danijela Boberic Krsticev
The purpose of this paper is to describe a case study of developing a web service that will act as an intermediary between the Audio Library system for the visually impaired and…
Abstract
Purpose
The purpose of this paper is to describe a case study of developing a web service that will act as an intermediary between the Audio Library system for the visually impaired and the library management systems. The Audio Library is based on speech recognition and text-to-speech engines and it produces synthesized speech from various electronic materials. It has its own database with a limited number of books and textual materials. Web services described in this paper should enable access to a larger number of electronic resources provided by libraries.
Design/methodology/approach
In this paper, the author specified software architecture of a web service analyzing different approaches for search and retrieval.
Findings
Web service described in this paper is the first software solution addressing the problem of lending e-books in Serbia. It aggregates collections of different libraries in a single access point for the Audio Library system. In this way, users of the Audio Library system are provided with larger number of electronic resources.
Originality/value
Communication between the Audio Library and this web service is achieved by using standardized protocols for exchanging library data. However, those protocols did not fulfill all necessary requirements, so the authors propose some extensions to overcome those issues.
Details
Keywords
Deborah Ralston and April Wright
Sound lending procedures in retail financial institutions involve identifying high‐risk applicants, modifying loan conditions such as security requirements, and monitoring…
Abstract
Sound lending procedures in retail financial institutions involve identifying high‐risk applicants, modifying loan conditions such as security requirements, and monitoring repayments post‐loan approval. For managers of credit unions, this procedure is complicated by the need to achieve balance between the institution’s social objective of improving loan accessibility so members can attain lifestyle goals and the possibility of reducing the institution’s viability through loan default. The results of our survey of Australian credit unions, in which 70 per cent of respondents reported experiencing some bankruptcy‐related default on personal loans, indicate managers do not impose more stringent lending conditions on high‐risk borrowers. However, social and viability objectives could be better balanced through careful loan monitoring and timely arrears practices.
Details
Keywords
Discusses newspaper provision in the British Isles and the servicesprovided by the British Library Newspaper Library. Assesses previousunsuccessful attempts to set up a loan…
Abstract
Discusses newspaper provision in the British Isles and the services provided by the British Library Newspaper Library. Assesses previous unsuccessful attempts to set up a loan service for newspapers, and the NEWSPLAN co‐operative programme for preservation microfilming of local newspapers. Suggests a co‐operative approach to interlibrary lending of some microfilmed newspapers, with input from advisory bodies such as LINC, SCONUL and the British Library.
Details
Keywords
AJ Harley, J Duffy and RJ Steemson
A full‐length paper in this journal described the data processing activities going on in the Lending Division. Four areas of activity were recognised: processing of requests…
Abstract
A full‐length paper in this journal described the data processing activities going on in the Lending Division. Four areas of activity were recognised: processing of requests received by telex on paper tape; file handling, such as the serials control system; miscellaneous on‐line operations, such as survey analysis and advance book ordering; and information retrieval.
Progress in Europe between 1973 and 1978 is reviewed mainly in the context of the LIBER Seminar on International Interlibrary Lending held in Florence in 1978. The Danish…
Abstract
Progress in Europe between 1973 and 1978 is reviewed mainly in the context of the LIBER Seminar on International Interlibrary Lending held in Florence in 1978. The Danish interlending system is considered separately. Attention is given to a theoretical on‐line system in Belgium and actual on‐line methods in the USA and recent articles from the USA, especially on the National Periodicals Center, are presented. Articles on developments in Scotland, Papua New Guinea and New Zealand are reviewed. Finally payment for loans and the effects of copyright legislation are considered.
Kavita Kanyan and Shveta Singh
This study aims to examine the impact and contribution of priority and non-priority sectors, as well as their sub-sectors, on the gross non-performing assets of public, private…
Abstract
Purpose
This study aims to examine the impact and contribution of priority and non-priority sectors, as well as their sub-sectors, on the gross non-performing assets of public, private and foreign sector banks.
Design/methodology/approach
The Reserve Bank of India's database on the Indian economy is used to retrieve data over 13 years (2008–2021). Public sector (12), private sector (22) and foreign sector (44) banks are represented in the sample. Two-way ANOVA, multiple regression and panel regression statistical techniques are used in SPSS and EViews to examine the data. Further, the results are also validated by using robustness testing by applying the fully modified ordinary least square (FMOLS) and dynamic least square (DOLS) regression.
Findings
The results showed that, for private and foreign banks, the non-priority sector makes up the majority of the total gross non-performing assets, although both the priority and non-priority sectors are substantial for public sector banks. The largest contributors to the total gross non-performing assets in public, private and foreign banks are industries, agriculture and micro and small businesses. The FMOLS displays robustness results that are qualitatively similar to the baseline result.
Practical implications
Based on the study's findings about the patterns of non-performing assets originating from these specific industries, banks might improve the way in which these advanced loans are managed.
Originality/value
There has not been much research done on the subject of sub-sector-specific non-performing assets and how they affect total gross non-performing assets across the three sector banks. The study's primary focus will be on the issue of non-performing assets in the priority’s and non-priority’s sub-sectors, namely, agricultural, micro and small businesses, food credit, industries, services, retail loans and other priority and non-priority sectors.
Details
Keywords
Muhammad Asim Afridi and Muhammad Tahir
This paper investigates the factors crucial for small and medium enterprises (SMEs) in establishing business relationships with banks in Pakistan.
Abstract
Purpose
This paper investigates the factors crucial for small and medium enterprises (SMEs) in establishing business relationships with banks in Pakistan.
Design/methodology/approach
To investigate how SMEs select banking relationships using criteria, such as decision factors, decision-makers, and decision processes, a comprehensive literature review was used to classify SMEs' decision factors for bank selection. A survey questionnaire was distributed to 200 SMEs, randomly selected from the Small and Medium Enterprise Development Authority database in Pakistan. Probit/Tobit model is estimated to explain the behavior of SMEs.
Findings
The results reveal that SMEs consider a bank's Reputation, Price, and Location essential while establishing bank relationships. SMEs tend to terminate relationships with banks when the Price and Location of the bank are considered essential factors in the relationship with the banks. Price and Location are necessary for SMEs to reduce banking relationships. The SMEs also tend to reduce if they get attractive offers, or the SMEs are recommended to make a banking relationship. This study also provides intuitions for bank policymakers to design policies to retain SME customers and attract new business relationships.
Practical implications
The research emphasizes the importance of competitive and transparent pricing strategies in designing products for SMEs. Banks must prioritize their Reputation and credibility to attract and retain relationships with SMEs.
Originality/value
The study attempts to provide evidence on the SME-Bank relationship focusing on the factors that are crucial for SMEs to decide while establishing business relationships with banks. Also, most of the related literature focuses on developed countries; this research adds to the literature on SMEs' behavior, particularly in a developing country's context.
Details
Keywords
The purpose of this paper is to identify the value and benefits from newly developed relationships between the University of Alberta Libraries’ Interlibrary Loan Department and…
Abstract
Purpose
The purpose of this paper is to identify the value and benefits from newly developed relationships between the University of Alberta Libraries’ Interlibrary Loan Department and other institutions through the delivery of new services.
Design/methodology/approach
The paper is a descriptive review of the new services provided, including a centralized interlibrary loan service for members of the NEOS Consortium and an article delivery service for Can Tho University Library (Vietnam), an overview of the implementation of the services and a discussion of the value and benefits created.
Findings
A single-point of intake for interlibrary loan requests for a group of academic libraries can be implemented successfully with few drawbacks, providing benefits to all the participants. An article delivery service to an institution that provides no interlibrary loan services provides value through access to new resources and demonstrates not to be a burden on the provider; yet, this paper demonstrates that the primary value is in learning about their patrons’ needs.
Practical implications
Other institutions could replicate these services and relationships.
Originality/value
Single-point of intake for interlibrary loan in academic consortial environments has neither been demonstrated in the literature nor has any component of interlibrary loan been described to support international initiatives to assist libraries in disadvantaged countries.
Details
Keywords
Heather S. Knewtson and Zachary A. Rosenbaum
The purpose of this study is to define FinTech, differentiating it from financial technology and use the definition to develop an industry framework.
Abstract
Purpose
The purpose of this study is to define FinTech, differentiating it from financial technology and use the definition to develop an industry framework.
Design/methodology/approach
Using the existing literature on FinTech and incorporating these contributions into a traditional financial structure, characteristics are outlined and placed into a framework that describes the FinTech industry.
Findings
FinTech is a specific type of Financial Technology, defined as technology used to provide financial markets a financial product or financial service, characterized by sophisticated technology relative to existing technology in that market. Firms that primarily use FinTech are classified as FinTech firms. Using these definitions, the paper provides a structure for the FinTech industry, classifying each type of FinTech firm by FinTech characteristics.
Research limitations/implications
Research that would inform the economic importance of FinTech would be served with an increased understanding of FinTech firms and the FinTech industry.
Originality/value
This paper contributes by defining FinTech and developing a comprehensive framework to describe the emerging FinTech industry.
Details
Keywords
This paper sets out to describe developments in Australian libraries and the national interlibrary loan and document delivery systems, in particular the outcomes of the Local…
Abstract
Purpose
This paper sets out to describe developments in Australian libraries and the national interlibrary loan and document delivery systems, in particular the outcomes of the Local Interlending and Document Delivery Administration Systems (LIDDAS) project. Australian libraries have had a highly cooperative approach to resource sharing for many years. ILL (Inter Library Loan) has become increasingly automated since the introduction of the online union catalogue in 1981 and the national interlending system in 1989. In 2004 interoperability was introduced, with 2006 developments in directories completing the national connected system.
Design/methodology/approach
Analysis is undertaken of the factors leading to a national approach, use of the automated solution by libraries and trends in use by end users.
Findings
Rapid and easy access to interlibrary lending has increased significantly through automation of local and national systems. While the overall number of loans and copies has not increased, the speed of delivery and efficiency of ILL has increased significantly.
Practical implications
By understanding the environment that led to a coordinated approach to automation by libraries in a variety of sectors, and evaluating the outcomes of the technological developments, this paper gives a basis for considering opportunities for future cooperative arrangements.
Originality/value
LIDDAS has stood the test of time as a highly original approach to providing access to the resources of the nation's libraries. This paper provides a study of the outcomes of the project, the impact of interlibrary lending in Australia and a cooperative approach between university, state, national and public libraries.
Details