• 제목/요약/키워드: Investment Deposits

검색결과 13건 처리시간 0.029초

How Investment Deposits at Islamic and Conventional Banks Effect Earnings Per Share?

  • MASWADEH, Sanaa Nazami
    • The Journal of Asian Finance, Economics and Business
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    • 제7권11호
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    • pp.669-677
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    • 2020
  • The study aims to compare the effects of employing investment deposits (joint and specified investment deposits) in Islamic banks, and investment deposits (term deposits and deposits with notification) at conventional banks, on shareholders' profitability, represented by the earnings per share (EPS), in light of operational profits as a controlling variable. Data related to the study variables was collected from the annual financial reports published by the study sample banks, during the period (2009-2018). The study relies on multiple regression to test the hypotheses of the study. The high adjusted R2 to explain the change in EPS for Islamic banks model as compared to conventional banks, is a result of the high difference between investment deposits (specified and joint) at Jordanian Islamic banks and investment deposits (term deposits and deposits with notification) at Jordanian conventional banks. The study found that it is important for the managements of Islamic banks to adopt a uniform method to combine speculative funds, in order to develop and improve shareholders' profitability. The study recommended Islamic banks to follow practical, methodological and transparent approaches to calculate the rates of Murabaha profit margins between shareholders and depositors, while also taking into consideration some of the issues which could be harmful for the competition between Islamic and conventional banks.

The Impact of Financial Variables on Firm Profitability: An Empirical Study of Commercial Banks in Oman

  • JAYARAMAN, Gopu;AZAD, Imran;AHMED, Hanaa Sid
    • The Journal of Asian Finance, Economics and Business
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    • 제8권5호
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    • pp.885-896
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    • 2021
  • The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy. Commercial banks play an important role in mobilizing and channelizing funds for investment activities. This study analyzes the impact of the key financial variables on the net profit of the selected commercial banks in Oman. The study employs times series panel data - cross-sectional analysis of the key financials of five leading commercial banks for a period of 13 years from 2007 to 2019. The results reveal that the correlation matrix of the selected variables has a positive relationship with net profit, assets, deposits, loans, and interest income. However, the findings also shows a negative relationship between net profit and net loans to total deposits ratio. The study found net loans is the main independent variable that influences the profitability of the banks since the key source of revenue comes from the lending operations. The assets, total capital adequacy ratio have a mixed effect on the profitability of commercial banks. The total deposits and capital adequacy ratio have a negative effect on profitability mainly because excessive liquidity will increase the cost of capital and reduce the return on investment. Focusing on lending operations with a sound credit portfolio will improve profitability.

사할린도(島)의 PEAT 현황조사 (Survey of Peat Deposits in Skhalin Island)

  • 이윤환
    • 한국토양비료학회지
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    • 제27권4호
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    • pp.315-320
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    • 1994
  • This survey report introduced briefly peat deposits in SAKHALIN island of eastern SIBERIA continent. Peat industry was promoted as leading resources for development in this island by national control economic plan of central government before CIS. But development of deposit was left suspension of operation due to investment now. In southern area, about 10km from Yuzunosakhalinsk, two deposits of peat field were explored. One of them (Troisk) was suspended at begining stage of peat harvest from 300ha field and the other(Missilop) was producing the compact peat through drying and pulverizing from 350ha peat field which showed long run harvest activities. There are plenty of peat deposits near the Polonai Reika (river) in the central area of this island, At Zbaikaritz, 40km nothern area from Polonaisk, 135ha of peat field was developed. This field was left without working but established field preparation and could be able to be harvested any time if machines and utlities were settled. At southern suburb 10km from Polonaisk, about 40ha field of virgin deposit has been established planning for development. The plan involved estimated amount of peat, deposit depth, water level, drainage and leading road. The most of peat deposits accumulated from sphagnum moss. Texture is coarse but it contains more than 95% of organic carbon near to 0.5% of total nitrogen and acidity showed pH4-5.

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해저열수광상 개발동향과 우리나라의 대응방안 (Strategies for Development of Seafloor Polymetallic Sulphides in Consideration of International Progress)

  • 박성욱;양희철;정현수
    • 한국해양학회지:바다
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    • 제13권3호
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    • pp.271-279
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    • 2008
  • 해저열수광상은 황화물 미네랄이 해저의 열수작용을 통해 형성된 광상을 의미하며 특히, 구리, 납, 아연, 금, 은 등의 금속이 다량 포함되어 있다. 현재 해저열수광상 개발분야의 선두주자는 노틸러스사이다. 노틸러스사는 파푸아뉴기니, 피지, 통가, 솔로몬제도, 뉴질랜드 등 남서태평양 도서국에 약 37만 $km^2$에 달하는 탐사권을 보유 또는 신청해 놓은 상태이다. 넵튠사 역시 뉴질랜드, 파푸아뉴기니, 마이크로네시아에서 27만 $km^2$가 넘는 면적의 탐사권을 취득하였다. 이들 두 광업회사는 2010년 세계 최초로 해저열수광상의 상업생산을 목표로 적극적인 활동을 전개하고 있다. 주변국가인 중국과 일본은 전략광물의 안정적 공급을 위하여 해저열수광상 탐사활동을 적극적으로 수행하고 있는 실정이다. 중국의 경우 중국대양협회를 통해 전 지구 대양을 대상으로 심해저자원개발을 위한 국가연구개발사업을 수행하고 있다. 일본의 경우 자국의 EEZ를 중심으로 해저열수광상 조사사업을 수행하고 있다. 이러한 국제적인 해저열수광상 개발동향을 고려하여 우리나라의 해저열수광상 개발을 위한 전략방향을 소관부처의 일원화와 법제도 정비, 사업추진주체 결정, 정부의 적극적 예산지원, 해저열수광상 개발을 위한 중장기 계획수립 등의 측면에서 제안하였다.

해외 금속자원에 대한 광상유형별 자료 분석을 통한 효과적인 자원개발 (The Optimal Resource Development for Analysing Data of Deposit Types' Ore Reserves of Oversea Metal Resource)

  • 유봉철;이종길;이길재;이현구
    • 자원환경지질
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    • 제41권6호
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    • pp.773-795
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    • 2008
  • 우리나라의 주요 수입 광종은 동광, 연-아연광, 철광, 망간광 및 몰리브덴광 등이다. 우리나라의 해외자원개발은 아시아 14개국 92개 사업, 미주 및 유럽지역 10개국 29개 사업 그리고 중동 및 아프리카 9개국 14개 사업이 있으며 주로 호주, 중국, 몽골 및 인도네시아에서 사업수가 높다. 호주, 인도네시아 및 중국의 사업은 대부분이 석탄이고 일부 망간, 철, 연-아연, 니켈, 구리, 금, 몰리브덴, 희유원소 및 우라늄 등이나 몽골은 금과 희유원소가 큰 부분을 차지한다. 금속자원에 대한 광상 유형별 대표적인 광상형은 조산 lode형 광상, VMS형 광상, 반암형 광상, SEDEX형 광상, MVT형 광상, IOCG형 광상 및 마그마성 Ni-Cu-PGE형 광상 등이 있으며 이들 유형별 광상들은 전세계적으로 도처에 분포하며 다른 유형별 광상보다 금속자원의 매장량이 높고 부산물인 미량 금속자원에 대한 품위도 높게 나타난다. 따라서 향후 해외광물자원의 탐사 및 개발에 있어 우선 각 국가별 매장량, 주요 광물자원의 생산량 및 지체구조와 함께 광상 유형별 등을 종합 검토하여 조사 및 탐사를 실시한다면, 해외자원개발의 투자 위험도가 감소될 뿐만 아니라 탐사대상지역에서 품위가 높은 광체를 확보할 수 있을 것이다.

남북한 경제협력사업으로 북한 자원개발 방안 (Proposal for South-North Mining Cooperation (Natural Resources Exploitation in the Peoples Republic of Korea))

  • 유택수
    • 기술사
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    • 제38권6호
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    • pp.1-9
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    • 2005
  • The Republic of Korea (South) and the Peaples Republic of Korea (North) had agreed to exploit the North Korean rich natural resources starting from the year of 2006. Through this mutual agreement DPRK shall quarantee ROK's investment in the North Korean Mines and supply mineral products for the compasation of the financial investment supported by ROK. In the area of northern part of Korea, many kind of natural resources such as Magnesite, Iron, Gold & Silver, Copper, Lead & Zinc, and Coal are plentifully deposited. In the area of southern part of Korea, however, most kind of natural resources have been exhausted and so presently major minerals such as Gold & Silver, Copper, Lead & Zinc and Coal are being imported and relying on foreign countries in whole quantity of the requirement. On the other hand Northern Part of Korea is making very slow progress in mining and exploitation owing to the lack of investment even though there are rich deposits of natural resources. And in Southern Part of Korea, they have most advanced production facilities and technologies in the world in the fields of Mineral Floatation, Steel Manufacturing, Nonferrous Metal Smelting & Refining and those plants fabrications. A combination of Southern Technologies together with Financial Support and Northern rich natural resources & Labour Power will be a most hopeful, desirable and mutually required 'South-North economic Cooperation' as the mining industries are labour intensive.

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해저열수광상 기술.경제성평가 모델 개발 (Development of Technical and Economic Evaluation Model for Seafloor Massive Sulfide Deposits)

  • 박세헌;박성욱;권석재
    • Ocean and Polar Research
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    • 제28권2호
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    • pp.187-199
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    • 2006
  • The Kuroko-type seafloor massive sulfide deposits found in the western Pacific have been considered to have potentials for economic recovery of Au, Ag, Cu, Zn, and Pb. In this study, a preliminary model was developed for the technical and economic evaluation of them. The FRSC site on Lau Basin in the Tonga EEZ was selected as a target. In this study, no construction In for the metallurgical processing subsystem was accounted for. Instead, it was assumed to sell the Cu, Zn, and Pb concentrates to the existing sulfide customer smelter. The low total investment costs for the development make the venture very attractive. However, the result of the economic feasibility evaluation is still less attractive with the mean metal yield of the Kuroko on land. It is considered that commercial mining may be plausible if the richer metal yields are applied to the development. Quantitative information for metal yield is necessary for a more accurate evaluation. However, the important resource potential information regarding the amount of ore body, the inside structure, and the metal yields have not yet been clarified sufficiently. h addition, the flotation of ore body using seawater has not been tested yet. It is necessary to solve these problems through the experimental R&D and a survey.

The Effect of Conventional Bank's Interest Rate & Islamic Bank's Profit Rate on Investment & Return: An Empirical Investigation in Bangladesh

  • Chowdhury, Mohammad Ashraful Ferdous;Rahman, Syed Mohammad Khaled
    • 아태비즈니스연구
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    • 제5권1호
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    • pp.33-41
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    • 2014
  • Since depositors are motivated by returns, it is important for Islamic banks management to understand the extent that rates of return on deposits influence their customers' decision to deposit. The main objective of the study is to explore the degree of influence of conventional bank's interest rate on Islamic bank's profitability and vice-versa. It has been seen from 2005 to 2011 that the rate of interest declared on deposit by conventional banks has a negative impact on profitability of both types of banks in Bangladesh. Rate of profit declared on deposit by Islamic banks is positively related with their profit earned but negatively related with profit earned by conventional banks. We see that rate of interest declared on deposit by Conventional Banks is positively related with their deposit volume but negatively related with Islamic Bank's deposit. On the other hand, rate of profit declared on deposit by Islamic Banks is negatively related with deposit levels of both types of banks. The survey result shows that almost 85% of the respondents are choosing Islamic banks only from their religious point of view and more than 60% of the sampled Islamic bank customers are reluctant to leave the bank even if conventional banks offer better interest rates.

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호주 광물자원탐사와 전략분석 (Analysis of Mineral Resource Exploration and Strategy in Australia)

  • 김성용;허철호
    • 자원환경지질
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    • 제51권3호
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    • pp.291-307
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    • 2018
  • 호주는 금, 니켈, 철광석, 연, 아연 및 우라늄 매장량이 세계 1위를 차지하고 있으며, 다른 많은 주요광물 매장량에서도 세계 5위권이다. 호주의 현재 개발 중인 대부분의 광상은 수십년전에 발견이 용이했던 지표 천부에 배태된 광상이다. 최근 호주는 광물자원탐사에 대한 투자의 국제경쟁이 치열해지고 있으며, 많은 지역에서 그간 운영되었던 광산의 채산성이 악화되어, 지역경제를 견인할 주체를 상실하는 어려움에 직면하고 있다. 그러나 4차산업혁명에 따른 광물수요증가 추세를 감안할 때, 우리나라도 자원부국에서 스마트/디지털 광산개발 및 ICT 융합에 의한 탐사기술개발 확보로 자원기술 경쟁력을 갖출 기회라고 여겨진다.

검은 황금인가 악마의 저주인가? 아제르바이쟌의 석유와 연줄망 (Black Gold or the Devil's Curse? Oil and Networks in Azerbaijan)

  • 이채문
    • 한국지역지리학회지
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    • 제11권6호
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    • pp.640-656
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    • 2005
  • 주로 수입원유에 의존하는 한국경제의 만성적 불황은 최근 급등하고 있는 수입 원유가에 기인하는 바가 상당히 크다. 이러한 한국의 현실을 감안할 때 풍부한 유전과 가스전을 보유하고 있는 카스피해 연안의 아제르바이쟌은 일부 한국인들로부터 선망의 대상이 되고 있다. 그러나 많은 이행경제체제 국가들, 특히 아제르바이쟌을 포함한 카스피해 지역에서 석유 붐을 타고 있는 것으로 알려진 상당수 국가들이 천연자원은 풍부하지만, 이러한 자원의 혜택이 외국자본과 결탁한 국가의 엘리트에 의해 유용되고 있는 것이 현실이다. 특히 아제르바이쟌은 내부적 연줄망과 외부적 연줄망에 의해 지배되고 있다. 이러한 과정에서 외국의 자본은 아제르바이쟌의 알리예프 대통령과 관련된 이러한 사적인 연줄망을 더욱 강화해 주는 역할을 하고 있다. 따라서 아제르바이쟌의 경우, 풍부한 부존자원으로 인한 국가수입이 일반국민들의 생황향상에는 도움이 되지 못하고 있는 것이다. 오히려 이러한 부존자원으로 인한 증대되는 수입은 개혁의 유인을 감소시키면서, 에너지 분야의 과도한 성장으로 인해 여타 경제 부문에 대한 투자를 밀어냄으로써 이행경제체제의 발전에 장애가 되는 소위 '네덜란드병'을 발생시킬 가능성까지 야기하고 있다.

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