Abstract: Since the nineties, all Moroccan banking institutions have to respect an arsenal of prudential ratios. The respect of these prudential measures aims to ensure the financial system stability. In order to do so, regulatory authorities tried to reduce the financial and operational risks incurred by the banking entities. Meanwhile, regulatory authorities demanded a balance sheet management work from banks. They also asked them to establish a management control system to manage operational risk, as well as an effort in terms of incurred risk-based commitments. Therefore, the prudential approach has a macroeconomic nature and it is presented as a determinant of the operational, microeconomic approach. This operational approach takes the form of a strategy that each banking entity must develop to manage the different banking risks. This study seeks to analyze the problem of risk management between the prudential and the operational approaches. It was processed through a literature review followed by an analysis of the Moroccan banking sector’s performance. At first, we will reconcile the inductive logic and then, the analytical one. The first approach consists of analyzing the phenomenon from a normative and conceptual perspective, while the second one will consist of considering the Moroccan banking system and analyzing the behavior of Moroccan banking entities in terms of risk management and performance. The results identified a favorable growth in terms of performance, despite the huge provisioning effort made to meet the international standards and the harmonization of the regulations.
Abstract: This study aims to explore and compare the current
condition of community radio stations in Phutthamonthon district,
Nakhon Pathom province, Thailand, as well as the challenges they
are facing. Qualitative research tools including in-depth interviews;
documentary analysis; focus group interviews; and observation, are
used to examine the content, programming, and management
structure of three community radio stations currently in operation
within the district. Research findings indicate that the management
and operational approaches adopted by the two non-profit stations
included in the study, Salaya Pattana and Voice of Dhamma, are
more structured and effective than that of the for-profit Tune Radio.
Salaya Pattana – backed by the Faculty of Engineering, Mahidol
University, and the charity-funded Voice of Dhamma, are
comparatively free from political and commercial influence, and able
to provide more relevant and consistent community-oriented content
to meet the real demand of the audience. Tune Radio, on the other
hand, has to rely solely on financial support from political factions
and business groups, which heavily influence its content.