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Keywords: Commercial banks
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Journal Articles
Studies in Economics and Finance (2026) 43 (2): 310–333.
Published: 10 March 2025
...-taking. Design/methodology/approach The authors collect annual bank-level data from 86 commercial banks in Indonesia from 2014 to 2021, comprising 686 bank-year observations, on return on assets (ROA), equity-to-assets ratio, ROA standard deviation (to calculate Z-score, a proxy for bank...
Journal Articles
Studies in Economics and Finance (2022) 39 (2): 331–341.
Published: 18 October 2021
... financial literacy on the lending activity of commercial banks. Design/methodology/approach The authors use data on financial literacy by country from the S&P Global FinLit Survey that was completed in 2014 and lending activity and macroeconomic control variables data from the World Bank from 2015...
Journal Articles
Studies in Economics and Finance (2011) 28 (4): 248–259.
Published: 04 October 2011
...Elizabeth W. Cooper Purpose The purpose of this paper is to analyze the off‐balance sheet (OBS) behavior of a sample of small commercial banks in the USA in 2006. In particular, it aims to study the impact that monitoring intensity has on bank OBS usage. Design/methodology/approach The paper...

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