International Scientific-Practical Conference "Economic growth in the conditions of globalization" = Conferinţa Internaţională Ştiinţifico-Practică „Creşterea economică în condiţiile globalizării”

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Author: search.filters.author.Ciobu, StelaSubject: search.filters.subject.Republica Moldova

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    Financial digital inclusion an appropriate framework for implementation of innovations in the banking sector of the Republic of Moldova
    (INCE, ASEM, 2024) Ciobu, Stela; Iordachi, Victoria; Gumovschi, Ana
    Digital revolution is changing the business environment and banking sector is no exception. The development of the digital economy of highly developed countries accelerates the need for increased digital financial inclusion and digital literacy as well. From a banking perspective, digital financial inclusion aims to engage the population in the digital financial system by offering digital products and services through accessible digital channels, which would facilitate secure digital financial management. Analyzing the specialized literature, were defined the three indicators of measure of digital financial inclusion: access to financial digital services, usage of financial digital services and quality of the digital products and service delivery. The purpose of current research is to study the degree of financial digital inclusion of the banking sector of the Republic of Moldova and the as a precondition for implementation of innovations in the context of digitalization processes in the Republic of Moldova. The specific objectives for achieving the research goals are: to analyze the factors that have accelerated the digital transformation in the banking sector; to study and establish new banking products and services in the Moldovan banking sector; to study the process of implementing innovations in close connection with digital transformation in the Republic of Moldova and at international level; to study and determine the deficiencies and prospects in the implementation of innovations in the banking sector in the Republic of Moldova.
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    Evaluarea sistemului de control intern în cadrul băncilor din Republica Moldova
    (INCE, 2022) Ciobu, Stela; Cara, Ion
    În condițiile actuale ale dezvoltării globale, este necesar a fi creat un sistem eficient de control intern ca unul dintre principalele instrumente pentru minimizarea nivelului riscurilor bancare și asigurarea securității economice a băncii. Astfel, acest studiu este foarte necesar întrucât subliniază relevanța și nevoile unor strategii de control intern eficiente, în conformitate cu cele mai bune practici globale. Studiul prezintă o analiză a rolului controlului intern în securitatea economică a băncilor, principalele criterii pentru evaluarea eficacității controlului intern al băncilor din Republica Moldova, prin utilizarea indicatorilor reprezentativi ai componentelor controlului intern. De asemenea, a fost luată în considerare practica actuală de organizare a controlului intern și a fost evaluată eficacitatea acestuia. Pe baza constatărilor, importanța politicilor de control intern în băncile din Republica Moldova nu poate fi supraevaluată. Acest lucru se datorează faptului că cu cât controlul intern este mai mare, cu atât riscurile bancare sunt mai mici. Constatăm că indiferent de existența sistemelor de control intern, eficiența lor nu poate fi garantată.
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    Retrospectiva procesului investiţional din Republica Moldova
    (IEFS, 2011) Luchian, Ivan; Ciobu, Stela
    The investment process constitutes the entire activity to design and realization of investment objectives undertaken to achieve its accomplishment and put into operation, using different material, financial, labor resources and time. The quality of its development largely determines a country's economic development, bringing multiple effects on society in general. After browsing the twenty years of the state Republic of Moldova now can be made a retrospective look at the investment process within mentioned territory. This article is dedicated to highlighting the basic steps of the investment process in Republic of Moldova, making necessary conclusions.