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The Promise of Fintech

Financial Inclusion in the Post COVID-19 Era

Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.

Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways.

An International Comparison of Financial Consumer Protection

This book explores consumer protection in the major financial markets in the world and provides an international comparison among the countries of different cultural background and economic development. Each chapter describes the major issues of financial consumption in the selected country and the efforts to counter the problems of financial consumption. The innovation and renovation in the financial institutions and the public policies for consumer protection are also analyzed for their potential impacts on the future development of financial markets.

This book explores consumer protection in the major financial markets in the world and provides an international comparison among the countries of different cultural background and economic development.

Legal Reforms in China and Vietnam

A Comparison of Asian Communist Regimes

Although the adoption of market reforms has been a key factor leading to China’s recent economic growth, China continues to be governed by a communist party and has a socialist-influenced legal system. Vietnam, starting later, also with a socialist-influenced legal system, has followed a similar reform path, and other countries too are now looking towards China and Vietnam as models for development. This book provides a comprehensive, comparative assessment of legal developments in China and Vietnam, examining similarities and differences, and raising important questions such as: Is there a distinctive Chinese model, and/or a more general East Asian Model? If so, can it be flexibly applied to social and economic conditions in different countries? If it cannot be applied to a culturally and politically similar country like Vietnam, is the model transportable elsewhere in the world? Combining ‘micro’ or interpretive methods with ‘macro’ or structural traditions, the book provides a nuanced account of legal reforms in China and Vietnam, highlighting the factors likely to promote, change or resist the spread of the Chinese model.

This book provides a comprehensive, comparative assessment of legal developments in China and Vietnam, examining similarities and differences, and raising important questions such as: Is there a distinctive Chinese model, and/or a more ...

Too-Big-to-Fail in Banking

Impact of G-SIB Designation and Regulation on Relative Equity Valuations

This book provides a comprehensive summary of the latest academic research on the important topic of too-big-to-fail (TBTF) in banking. It explains TBTF from various perspectives including the range of regulatory measures proposed to counter TBTF, most notably the globally accepted regulation of global-systemically important banks (G-SIBs) and its main tool of capital surcharges. The empirical analysis quantifies the shareholder value of the G-SIB attribution by using quarterly observations from more than 750 global banks between Q2 2008 and Q3 2015. The main finding is that G-SIBs are confronted with a substantial relative valuation discount compared to non-G-SIBs. From the end of 2011 until the end of 2015, a stable discount of 0.6x–0.8x price-to-tangible common equity (P/TCE) is statistically highly significant. The results suggest that the G-SIB designation effect, which positively impacts G-SIBs’ share prices because of funding benefits from IGGs, is dominated by the regulatory G-SIB burden effect, which negatively impacts G-SIBs’ share prices because of lower profitability due to capital surcharges and other regulatory requirements placed on G-SIBs. The findings re-open the debate about whether breaking up G-SIBs would unlock shareholder value and whether G-SIBs are regulated efficiently.

11.4.1 Database Requirements This empirical study requires two types of micro data for banks: 1. Market data is necessary for share prices, i.e., for the P in the dependent variable. 2. Fundamental data, in particular balance sheet and ...

Surat Kabar Guru Belajar Edisi Khusus: Wardah Inspiring Teacher 2021 - Jilid 4

Surat Kabar Guru Belajar Edisi Khusus Wardah Inspiring Teacher menampilkan praktik baik pembelajaran dan pendidikan untuk menularkan kegemaran belajar pada komunitas guru. Kolaborasi Mewujudkan Merdeka Belajar Tantangan mewujudkan Merdeka Belajar memang tidak mudah. Tantangan itu semakin besar ketika upaya mewujudkan Merdeka Belajar baru berada pada tahap awal dan, pada saat yang sama, Pandemi Covid-19 datang mengguncang kehidupan kita. Semua terdampak, tak terkecuali dunia pendidikan. Namun, tantangan ini tak sedikitpun menyurutkan semangat Cerita Guru Belajar untuk terus berupaya mewujudkan Merdeka Belajar di Indonesia. Sebab, kepentingan kita untuk mewujudkannya jauh lebih berharga dari pada tantangan yang dihadapi. Pada konteks inilah Cerita Guru Belajar berkolaborasi dengan Wardah Inspiring Teacher untuk mendukung para guru di Indonesia belajar bersama dan berbagi praktik baik agar semakin banyak guru yang menjadi Guru Merdeka Belajar. Kami dipertemukan oleh visi yang sama, misi yang sama, dan kepentingan yang sama: melakukan transformasi pendidikan ke arah pendidikan yang lebih memerdekakan murid. Dalam mewujudkan Merdeka Belajar di tengah Pandemi Covid-19, peran media pembelajaran tentu saja sangat krusial. Apakah pembelajaran jarak jauh akan memberikan dampak pada murid atau sekadar menjadi rutinitas, salah satunya ditentukan oleh media pembelajaran yang diaplikasikan di kelas. Melalui Surat Kabar Guru Belajar edisi Wardah Inspiring Teacher 2021 ini, kami ingin membagikan berbagai Media Pembelajaran Merdeka. Semoga dari berbagai cerita praktik baik yang tersaji dalam Surat Kabar Guru Belajar edisi ini dapat menginspirasi para guru di Indonesia, dan kemudian terjadi perubahan di dunia pendidikan kita. Selamat membaca!

Setelah itu, saya lanjutkan dengan memberi permasalahan yang kedua. “Mengapa dalam rangkaian listrik lampu hias, jika satu lampu mati atau putus maka semua lampu akan ikut mati?” Permasalahan yang saya sampaikan melalui media video ...

Surat Kabar Guru Belajar Edisi Khusus: Wardah Inspiring Teacher 2021 - Jilid 5

Surat Kabar Guru Belajar Edisi Khusus Wardah Inspiring Teacher menampilkan praktik baik pembelajaran dan pendidikan untuk menularkan kegemaran belajar pada komunitas guru. Kolaborasi Mewujudkan Merdeka Belajar Tantangan mewujudkan Merdeka Belajar memang tidak mudah. Tantangan itu semakin besar ketika upaya mewujudkan Merdeka Belajar baru berada pada tahap awal dan, pada saat yang sama, Pandemi Covid-19 datang mengguncang kehidupan kita. Semua terdampak, tak terkecuali dunia pendidikan. Namun, tantangan ini tak sedikitpun menyurutkan semangat Cerita Guru Belajar untuk terus berupaya mewujudkan Merdeka Belajar di Indonesia. Sebab, kepentingan kita untuk mewujudkannya jauh lebih berharga dari pada tantangan yang dihadapi. Pada konteks inilah Cerita Guru Belajar berkolaborasi dengan Wardah Inspiring Teacher untuk mendukung para guru di Indonesia belajar bersama dan berbagi praktik baik agar semakin banyak guru yang menjadi Guru Merdeka Belajar. Kami dipertemukan oleh visi yang sama, misi yang sama, dan kepentingan yang sama: melakukan transformasi pendidikan ke arah pendidikan yang lebih memerdekakan murid. Dalam mewujudkan Merdeka Belajar di tengah Pandemi Covid-19, peran media pembelajaran tentu saja sangat krusial. Apakah pembelajaran jarak jauh akan memberikan dampak pada murid atau sekadar menjadi rutinitas, salah satunya ditentukan oleh media pembelajaran yang diaplikasikan di kelas. Melalui Surat Kabar Guru Belajar edisi Wardah Inspiring Teacher 2021 ini, kami ingin membagikan berbagai Media Pembelajaran Merdeka. Semoga dari berbagai cerita praktik baik yang tersaji dalam Surat Kabar Guru Belajar edisi ini dapat menginspirasi para guru di Indonesia, dan kemudian terjadi perubahan di dunia pendidikan kita. Selamat membaca!

Pada saat pelaksanaan pembelajaran luring, maka guru dan murid secara bersama-sama berdiskusi dan menyelesaikan permasalahan Pada video pembelajaran tersebut, saya pada materi barisan aritmatika. Awalnya murid merasa materi barisan ...

Lesson Planning for High School Physical Education

Meeting the National Standards & Grade-Level Outcomes

Lesson Planning for High School Physical Education offers more than 240 lesson plans that are standards-based and ready-to-use. These innovative plans are great for fostering physical literacy in your students. The book also provides guidance on how to plan effective lessons that align with SHAPE America’s National Standards and Grade-Level Outcomes for K-12 Physical Education.

The book also provides guidance on how to plan effective lessons that align with SHAPE America’s National Standards and Grade-Level Outcomes for K-12 Physical Education.