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  1. Article ; Online: Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society

    Svobodová Libuše / Hedvičáková Martina

    SHS Web of Conferences, Vol 92, p

    2021  Volume 01047

    Abstract: Research background: The paper is focused on the financial product, esp. on mortgage loans that are often used products in the field of long-term financing in the Czech Republic. These products provide commercial banks and other financial institutions on ...

    Abstract Research background: The paper is focused on the financial product, esp. on mortgage loans that are often used products in the field of long-term financing in the Czech Republic. These products provide commercial banks and other financial institutions on the Czech globalized financial market. Purpose of the article: The aim of the paper is to analyze the situation on the globalized financial market focused on the mortgage loans and loans from building societies in view of the global Covid-19 pandemic. Methods: Firstly a theoretical background with a review of the literature is provided, then research methodology is described, the key part brings results of development of mortgage loans, development of interest rates and the analysis of the current situation on the mortgage loan market with estimation of future development. The last part is focused on the comparison of selected mortgage loans provided by five financial institution. The article is based on primary and secondary sources. A detailed research together with the analysis and critical assessment of accessible materials will enable to identify the main objectives in the field of study. Findings & Value added: Interest rates on mortgage loans have on the Czech market downward trend in the last years. The best conditions scored in 2019 loan from building society Modrá pyramida. The overall situation in 2020 cause lower interest rates in the mortgage loans. Lower annual percentage rate of charge and smaller monthly mortgage loan repayment and the total overpayment also correspond.
    Keywords interest loan ; central bank ; monetary policy ; mortgage ; prognosis ; Social Sciences ; H
    Subject code 330
    Language English
    Publishing date 2021-01-01T00:00:00Z
    Publisher EDP Sciences
    Document type Article ; Online
    Database BASE - Bielefeld Academic Search Engine (life sciences selection)

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  2. Article ; Online: Board characteristics, institutional ownership, and investment efficiency: Evidence from an emerging market.

    Ali, Shahid / Farooq, Muhammad / Xiaohong, Zhou / Hedvicakova, Martina / Murtaza, Ghulam

    PloS one

    2024  Volume 19, Issue 2, Page(s) e0291309

    Abstract: This study investigates the impact of board governance mechanism on investment efficiency (IE) in PSX-listed firms. The study also examines the role of institutional ownership (IO) in board-IE relationships. In addition, we extend our analysis to re- ... ...

    Abstract This study investigates the impact of board governance mechanism on investment efficiency (IE) in PSX-listed firms. The study also examines the role of institutional ownership (IO) in board-IE relationships. In addition, we extend our analysis to re-examine this relationship by splitting the sample into two groups, i.e., the introductory phase of corporate governance (CG) i.e., 2004 to 2013, and revised codes of CG (2014 to 2018) to examine the impact of these separately on IE. The sample data comprises 155 non-financial PSX-listed firms from 2004 to 2018. IE is measured using firms' growth opportunities. The random effect model is used to test the study's hypotheses. A robustness test is also performed to validate the study's findings. The paired-sample t-test results show a significant improvement in IE after revising the CG codes in 2012. According to the regression results, board size has a significant direct, whereas board diversity has a significant inverse effect on IE. Regarding moderating effect, IO was found to moderate the relationship between board independence and IE significantly. Furthermore, it was discovered that following the issuance of revised CG codes-2012, the level of board independence and diversity increased in PSX-listed firms; however, only diversity positively impacted IE, and board independence had no impact on IE from 2014 to 2018. Despite the issuance of revised CG codes-2012, the level of CG among PSX-listed firms is low, which is a source of concern for regulators such as the Securities and Exchange Commission of Pakistan.
    MeSH term(s) Ownership ; Health Facilities ; Investments ; Pakistan
    Language English
    Publishing date 2024-02-07
    Publishing country United States
    Document type Journal Article
    ZDB-ID 2267670-3
    ISSN 1932-6203 ; 1932-6203
    ISSN (online) 1932-6203
    ISSN 1932-6203
    DOI 10.1371/journal.pone.0291309
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  3. Article ; Online: Analysis using multi-criteria decision making to evaluate smart phone alternatives within the global supply

    Pozdílková Alena / Hedvičáková Martina / Jačková Nikola

    SHS Web of Conferences, Vol 129, p

    2021  Volume 02014

    Abstract: Research background: In terms of the development of information and communication technologies, smart mobile phones are booming. Consumers choose the most suitable smartphone concerning their needs and preferences. Consumers are not limited by the ... ...

    Abstract Research background: In terms of the development of information and communication technologies, smart mobile phones are booming. Consumers choose the most suitable smartphone concerning their needs and preferences. Consumers are not limited by the domestic supply but can choose from smartphones from all over the world. The article aims to provide effective multi-criteria decision-making to evaluate different mobile phones according to consumer preferences of global supply. Purpose of the article: The benefit of the article is the elimination of uncertainty in the choice of mobile phone and the expression of preferences of the consumer with decision-making powers. Methods: Multicriteria decision-making is based on the evaluation of the possibilities of mobile phones with regard to the preferences of users. Ordinalistic (Lexicographic method and ORESTE method) and Cardinalistic method (TOPSIS method and Weighted sum method) are used for this evaluation. Findings & Value added: Based on the methods used, the variants of smartphones were ranked from best to worst. The order differed significantly for the selected methods. The lexicographic method recommended buying the cheapest variant. The ORESTE method recommended buying one of the most expensive variants. Of the methods requiring cardinal information, the TOPSIS method in the model example recommended the purchase of the Realme 7i variant and the weighted sum method recommended the purchase of the Samsung Galaxy A52 variant despite its high price. All results are calculated using a decision support system. The application contains a DLL library that provides the decision-making process and the structure of the decision-making problem and the user environment.
    Keywords multi-criteria decision making ; ordinal information ; cardinal information ; mobile phone ; global supply ; Social Sciences ; H
    Subject code 600
    Language English
    Publishing date 2021-01-01T00:00:00Z
    Publisher EDP Sciences
    Document type Article ; Online
    Database BASE - Bielefeld Academic Search Engine (life sciences selection)

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  4. Article: Key study of bank accounts for young people with using multi-criteria optimization and fuzzy analysis

    Hedvicakova, Martina

    Applied economics Vol. 49, No. 34/36 , p. 3599-3610

    2017  Volume 49, Issue 34, Page(s) 3599–3610

    Author's details Martina Hedvicakova
    Keywords Multi-criteria optimization ; fuzzy analysis ; bank ; account ; costs ; matrix
    Language English
    Publisher Routledge
    Publishing place Abingdon
    Document type Article
    ZDB-ID 280176-0 ; 1473581-7
    ISSN 1466-4283 ; 0003-6846
    ISSN (online) 1466-4283
    ISSN 0003-6846
    Database ECONomics Information System

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  5. Article: Intellectual capital and financial performance: A comparative study.

    Ali, Shahid / Murtaza, Ghulam / Hedvicakova, Martina / Jiang, Junfeng / Naeem, Muhammad

    Frontiers in psychology

    2022  Volume 13, Page(s) 967820

    Abstract: Intellectual Capital (IC) is a driving force behind the financial performance of non-financial firms. Investing in intellectual and physical capital allows companies to optimize their financial performance by maximizing resource utilization. This study ... ...

    Abstract Intellectual Capital (IC) is a driving force behind the financial performance of non-financial firms. Investing in intellectual and physical capital allows companies to optimize their financial performance by maximizing resource utilization. This study aims to determine whether IC efficiency impacts the financial performance of listed Pakistani and Indian companies between 2010 and 2020. Return on Assets (ROA) and Return on Equity (ROE) are used to calculate financial performance, and IC is calculated using the modified Value-Added Intellectual Coefficient (MVAIC) model. Regression analysis is performed using the STATA software developed by the South Texas Art Therapy Association. Human Capital (HC), Structural Capital (SC), and Capital Employed (CE) have a significant impact on Pakistani and Indian firms' financial performance. Resource-based theory (RBT) supports these findings. The findings should provide management with a prompt to improve financial performance and emphasize the importance of IC. A rare study has addressed the impact of IC on firm financial performance using the MVAIC model, rather than the VAIC model, in Pakistan and India.
    Language English
    Publishing date 2022-08-23
    Publishing country Switzerland
    Document type Journal Article
    ZDB-ID 2563826-9
    ISSN 1664-1078
    ISSN 1664-1078
    DOI 10.3389/fpsyg.2022.967820
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  6. Article: Does board diversity reduce the probability of financial distress? Evidence from Chinese firms.

    Ali, Shahid / Ali, Shoukat / Jiang, Junfeng / Hedvicakova, Martina / Murtaza, Ghulam

    Frontiers in psychology

    2022  Volume 13, Page(s) 976345

    Abstract: This paper empirically investigates the impact of cognitive board diversity in education, expertise, and tenure facets on financial distress likelihood in the emerging economy of China. This study examines how this relationship varies across State-Owned ... ...

    Abstract This paper empirically investigates the impact of cognitive board diversity in education, expertise, and tenure facets on financial distress likelihood in the emerging economy of China. This study examines how this relationship varies across State-Owned Enterprises (SOEs) and Non-State-Owned Enterprises (NSOEs). Paper argues that the Chinese stock market, as a typical emerging market, is an excellent laboratory for studying the impact of board diversity on the probability of financial distress. Its underdeveloped financial system and inadequate investor protection leave firms unprotected from financial hardship. A sample of 12,366 observations from 1,374 firms from 2010 to 2018 shows that cognitive diversity qualities are positively linked with Z-score, implying that directors with different educational backgrounds, financial skills, and tenures can assist in reducing the probability of financial distress. Cognitive board diversity reduces the likelihood of financial distress in SOEs and NSOEs. However, tenure diversity is insignificant in all cases. Furthermore, the robustness model "two-step system Generalized Methods of Moments (GMM)" demonstrated a positive association between educational diversity, financial expertise, and financial distress scores. The results have significant implications for researchers, managers, investors, regulators, and policymakers.
    Language English
    Publishing date 2022-09-14
    Publishing country Switzerland
    Document type Journal Article
    ZDB-ID 2563826-9
    ISSN 1664-1078
    ISSN 1664-1078
    DOI 10.3389/fpsyg.2022.976345
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  7. Article ; Online: Možnosti sledování trendu ve zpoplatnění základních bankovních služeb

    Hedvičáková Martina / Soukal Ivan

    Journal of Competitiveness, Vol 2011, Iss 1, Pp 131-

    2011  Volume 144

    Abstract: Příspěvek se zabývá problematikou klientských nákladů („poplatků“) spojených s užíváním účtů fyzických osob a celkovou nepřehledností v sazebnících jednotlivých bank. Na základě dat z Kalkulátoru bankovních poplatků bude provedena analýza získaných dat a ...

    Abstract Příspěvek se zabývá problematikou klientských nákladů („poplatků“) spojených s užíváním účtů fyzických osob a celkovou nepřehledností v sazebnících jednotlivých bank. Na základě dat z Kalkulátoru bankovních poplatků bude provedena analýza získaných dat a vypočteny Klientské a Bankovní indexy. U 45 účtů vedených 21 bankami v České republice budou sledovány a porovnávány výše jejich poplatků. Cílem příspěvku je ukázat na potřebu neustálé nutnosti se informovat o nákladech na vedení svého účtu a konkurenčních produktech. Na základě praktické aplikace je zde nastíněna možnost, jak sledovat aktuální vývoj v nákladech na vedení účtů jednotlivých bank.
    Keywords bankovní poplatky ; klient ; banka ; bankovní index ; klientský index ; Economic theory. Demography ; HB1-3840 ; Social Sciences ; H ; DOAJ:Economics ; DOAJ:Business and Economics
    Language Czech
    Publishing date 2011-05-01T00:00:00Z
    Publisher Tomas Bata University, Zlín
    Document type Article ; Online
    Database BASE - Bielefeld Academic Search Engine (life sciences selection)

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