Papers by Marta Idasz-Balina
Acta Scientiarum Polonorum. Oeconomia, Feb 26, 2024
The study aims to find an answer to the question of whether and how the economic indicators in th... more The study aims to find an answer to the question of whether and how the economic indicators in the industrial processing, construction, trade, and services sectors reflect changes in the market size related to investments and working capital loans for micro-enterprises. Methods: The study used data on investment and working capital loans and data on economic conditions. Monthly data for the years 2019-2021, covering the period of the COVID-19 pandemic, were used for the analyses. The estimation of dynamic models was carried out using the Generalized Method of Moments (GMM). Results: The conducted research showed that economic factors play a significant role in shaping the demand for investment and working capital loans in the micro-enterprise sector, but the impact of the economic situation was more significant in the case of investment loans than working capital loans. In periods of economic prosperity, micro-enterprises are more likely to take out investment loans than in periods of economic downturn. Micro-enterprises' propensity to take out working capital loans is more dependent on their current situation and expectations regarding the demand for products and services. Conclusions: The research revealed differences in the characteristics of the factors significantly influencing the demand for credit, depending on the sector to which the indicator is concerned. The research shows that access to external financing is crucial for the functioning, survival, and expansion of micro, small, and medium-sized enterprises. The research fills the literature gap by showing how the economic situation in individual industries affects the credit market for the micro-enterprises sector.
The aim of the research was to describe the types of irregularities in the branchless activities ... more The aim of the research was to describe the types of irregularities in the branchless activities of banks in rural areas of Indonesia in 2012-2015. In the course of the research it was found that the most common are 7 types of irregularities in the scope of fraud between the local bank representative and generally poor clients in these areas. The article describes these irregularities, which in the end may be facilitation in their reduction or elimination.
Wpływ Feminizacji Zarządów Banków Spółdzielczych Na Ich Efektywność Finansową
The purpose of the study was to determine the relationship between the managerial feminization ra... more The purpose of the study was to determine the relationship between the managerial feminization rate and the level of its financial effectiveness. The results showed that on average on the net financial result and ROE the highest level of these performance measures was characterized by a group of cooperative banks, where all the functions of the board were performed by men. However, the highest level of net profit was achieved by the bank where the chair of the board was a woman and the rest of the board were men. In the case of ROA, the highest level was recorded in the group of cooperative banks in which women performed all functions on the board. The studies also showed that the total capital ratio TCR had the highest level in the banks also by 100% of the feminization rate, while the lowest ratio was recorded in banks with total absence of women in management or marginal share. This may indicate that women are less prone to risk and their behaviour is more cautious compared to me...
Moral Hazard Problems in Branchless Banking – Empirical Evidence from Indonesia
Dynamika obliga kredytowego a efektywność banków spółdzielczych
Risks
The main aim of the research was to determine the key factors determining the level of credit ris... more The main aim of the research was to determine the key factors determining the level of credit risk of individual clients (clients in the form of natural persons, excluding companies) on the example of Polish cooperative banks according to the following features: transaction characteristics, socio-demographic characteristics of the customer, the customer’s financial situation, the customer’s history of cooperation with the cooperative bank where they applied for a loan, and the customer’s history of cooperation with other financial institutions. For the research gathered data from 1000 credit applications submitted by individual customers when applying for a credit in five different cooperative banks were used for the analyses. To assess the credit risk of retail clients we use logit regression models, and additionally, score cards were calculated. The results of the research indicate that among the factors with high predictive power there were the features characterizing the client’...
Rozwój przedsiębiorczości na przykładzie przemysłu spożywczego w Polsce
Problems of Small Agricultural Holdings / Problemy Drobnych Gospodarstw Rolnych, 2018
Streszczenie. Głównym celem badań było określenie kluczowych czynników finansowych warunkujących ... more Streszczenie. Głównym celem badań było określenie kluczowych czynników finansowych warunkujących poziom wsparcia przekazywanego na rzecz społeczności lokalnych w ramach działalności związanej ze społeczną odpowiedzialnością biznesu przez polskie banki spółdzielcze. Badania przeprowadzono na grupie 56 banków spółdzielczych. Na podstawie przeprowadzonych badań stwierdzono m.in. że działalność prospołeczna banków spółdzielczych uwarunkowana była przede wszystkim wielkością banku. Ponadto stwierdzono, że banki spółdzielcze decyzje na temat wielkości środków przekazywanych na cele społeczne podejmują głównie w odniesieniu do bieżącej sytuacji (tj. aktualny zysk, wielkość obliga kredytowego oraz liczba klientów) oraz z uwzględnieniem zachowania bezpieczeństwa finansowego wyrażonego poziomem współczynnika wypłacalności z roku ubiegłego.
China-USA Business Review
This paper presents an overview of the literature on capital market anomalies and demonstrated th... more This paper presents an overview of the literature on capital market anomalies and demonstrated the existence of anomalies in the distribution of rates of return in relation to trading wheat futures. The study was based on the real trading data wheat futures. The data come from two periods. The first periods consisted quotations of wheat futures
Narzędzia CSR w kreowaniu wizerunku banku spółdzielczego
Abstrakt. Przeprowadzone badania dotyczyły określenia znaczenia narzędzi wykorzystywanych przez b... more Abstrakt. Przeprowadzone badania dotyczyły określenia znaczenia narzędzi wykorzystywanych przez banki spółdzielcze w ramach koncepcji społecznie odpowiedzialnego biznesu do kreowania własnego wizerunku na rynku lokalnym. Badania ankietowe przeprowadzono w pierwszej połowie 2016 roku na grupie 600 klientów banków spółdzielczych. Przeprowadzone badania wykazały, że w przypadku badanych polskich banków spółdzielczych stosowanie koncepcji społecznej odpowiedzialności biznesu wpływa pozytywnie na jego wizerunek a społecznie odpowiedzialne banki uzyskują wiele korzyści zarówno dla siebie samych, jak również dla społeczności oraz środowiska, w którym funkcjonują.
Zadania banków zrzeszających i ich znaczenie w opinii zarządzających bankami spółdzielczymi
Wewnętrzne uwarunkowania działalności prospołecznej banków spółdzielczych w Polsce
Journal of Risk and Financial Management
Prediction insolvency is one of the most important issues during creditworthiness assessment, esp... more Prediction insolvency is one of the most important issues during creditworthiness assessment, especially in the turmoil environment. That is why the problem of insolvency and bankruptcy prediction has been the subject of numerous studies focused on its causes, consequences, and prediction. The main goal of the study was to develop a prediction model that can be effectively used in practice to analyze and signal the risk of insolvency and bankruptcy of a construction firms. Also, the research must identify the key factors that would allow for early identification of the symptoms of the upcoming financial failure of companies from a construction sector. To reach the goal of the study discriminant analysis, logistic regression and classification trees were used. The final estimated models included nine variables related to the profitability; revenues; liquidity; asset’s structure; and dynamics of own and foreign capitals, some of which referred to the industry and market situation in a...
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
The research was aimed at showing the relationship between the gender of the CEO and the efficien... more The research was aimed at showing the relationship between the gender of the CEO and the efficiency of the Polish cooperative banks. The research covered 354 banks operating in Poland in 2013-2015. Based on the conducted research, it has been shown that, for the surveyed Polish cooperative banks, women served as CEOs in significantly smaller banks than men, as the number of clients, the number of members, the total value of assets and the value of equity in male-dominated banks was on average more than double. In banks managed by women. At the same time, the results of the research clearly showed that the gender of the person acting as the chairman of the management board in a cooperative bank had an impact on the level of its financial effectiveness.
Annals of the Polish Association of Agricultural and Agribusiness Economists
The aim of the research was to describe the types of irregularities in the branchless activities ... more The aim of the research was to describe the types of irregularities in the branchless activities of banks in rural areas of Indonesia in 2012-2015. In the course of the research it was found that the most common are 7 types of irregularities in the scope of fraud between the local bank representative and generally poor clients in these areas. The article describes these irregularities, which in the end may be facilitation in their reduction or elimination.
Sustainability
This research concentrated on the socio-financial qualities of Poland’s co-op banking. The study’... more This research concentrated on the socio-financial qualities of Poland’s co-op banking. The study’s results enabled answering the question of whether the cooperative banks (co-op banks) are exclusively focused on maximum financial effectiveness or faithful to the idea of cooperation, which basically means supporting its membership and community development. The main objective of the study was to determine the influence of internal factors on initiated support to the community within the framework defining the activities pertaining to a business’s social responsibility, as seen for Poland’s co-op banks. A seven-year study period was adopted, i.e., 2011–2017, inclusive. The research indicated that the co-op banks decide about a sum of contributions for community initiatives based on their current condition—according to current profits, current credits volume, total accounts number and considering financial security as expressed by the level of the solvency coefficient of the previous y...
Roczniki Naukowe Stowarzyszenia Ekonomistów Rolnictwa i Agrobiznesu
The main objective of the study was to determine whether the fact that the chairpersons of the bo... more The main objective of the study was to determine whether the fact that the chairpersons of the boards of cooperative banks in Poland are women, it affects the financial performance of these banks. The study used data for the years 2010-2014 from 40 cooperative banks in Poland. In the course of the study, it was found that the banks managed by women are significantly smaller than men’s managed banks, and hence the financial result is generally lower. However, the financial performance ratios in these banks were generally higher. Smaller banks are generally in rural areas, and banks with a larger total balance sheet are usually located in urban areas.
Zarządzanie Finansami i Rachunkowość
The purpose of the research was to present solutions used by cooperative banks in implementation ... more The purpose of the research was to present solutions used by cooperative banks in implementation of the principles related to the idea of corporate social responsibility and their importance in the opinion of the managers of cooperative banks. The research covered 140 cooperative banks, which accounted for 24.6% of all cooperative banks operating in Poland as of 30 June 2016. Based on the analyzes, it was found that cooperative banks have supported and implemented corporate social responsibility rules and tools since the beginning of their activity. In addition, the respondents pointed out that sponsorship is the most important form of communication with the local community, but cooperative banks, in addition to traditional CSR tools, also employ a number of additional tools, which, in the executives’ opinion, are highly relevant to their operations.
Zarządzanie Finansami i Rachunkowość
The purpose of the research was to present solutions used by cooperative banks in implementation ... more The purpose of the research was to present solutions used by cooperative banks in implementation of the principles related to the idea of corporate social responsibility and their importance in the opinion of the managers of cooperative banks. The research covered 140 cooperative banks, which accounted for 24.6% of all cooperative banks operating in Poland as of 30 June 2016. Based on the analyzes, it was found that cooperative banks have supported and implemented corporate social responsibility rules and tools since the beginning of their activity. In addition, the respondents pointed out that sponsorship is the most important form of communication with the local community, but cooperative banks, in addition to traditional CSR tools, also employ a number of additional tools, which, in the executives’ opinion, are highly relevant to their operations.
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Papers by Marta Idasz-Balina