Journal of Academic Research and Trends in Educational Sciences

CLUSTER OF EDUCATION IN MODERN PEDAGOGY

2024-07-07T12:36:41+00:00

The article focuses on the pedagogical meaning of the term "educational cluster", the history of its inclusion in the conceptual sphere is compared with the content of pedagogical science, Russian and foreign terms, and also cites its metaphorical analysis. The interaction-based characters of cluster elements have been highlighted and scientific conclusions have been reported from the studies studied.

THE INFLUENCE OF MASS CULTURE ON THE LIFE OF SOCIETY

2024-07-07T12:48:56+00:00

This article provides information about the concept of mass culture and its origin. Also, the article is devoted to the positive and negative impact of popular culture on the culture of peoples and societies in today's era of globalization.

TEACHING TECHNICAL DRAWING USING COMPUTER TECHNOLOGY

2024-07-11T05:04:51+00:00

In this article, the issues of improving the knowledge and skills of students in computer graphics in the educational system, as well as passing the entire subject using computer graphics, using it as a didactic and technical tool in the educational process are covered.

REQUIREMENTS FOR CAPITAL ADEQUACY IN COMMERCIAL BANKS AND ITS IMPROVEMENT

2024-07-11T05:17:38+00:00

This article provides evidence that the overcapitalized banks are much more sensitive to fundamental factors rather than to the regulatory requirements such the Basle’s Accord requirements, which raises the question of whether Basel’s limits are sufficient to minimize financial crises. Also, keeping buffers against falling below the minimum requirements appear to be of second order importance. Three fundamental factors affect capital adequacy in Jordan; risk, return and activity. Risk indicators drive the capital adequacy ratios downward. Return on average assets (ROAA) has the biggest impact among all factors, banks fuel their capital internally following the pecking order theory, and they also raise capital whenever their activities (loan to asset ratio) improve. Return on average equity (ROAE) is a cost factor; banks avoid issuing capital whenever cost of common equity is high. This paper also provides evidence that systematically important banks hold less capital, a sign of moral hazard.

REQUIREMENTS FOR CAPITAL ADEQUACY OF COMMERCIAL BANKS AND METHODOLOGY OF ANALYSIS

2024-07-11T05:30:05+00:00

The purpose of the article was to study the significance of capital adequacy requirements within the Basel III framework for commercial banks in Kenya. A descriptive survey design was used for a population consisting of 43 commercial banks operating in Kenya. The target population consisted of 159 management staff working in the head offices of various commercial banks in Kenya. The population included senior, middle, and junior/entry-level management staff. A sample of 30% was selected from each group. Primary data were collected using questionnaires, which were delivered to the banks' head offices and collected later once the respondents had filled them out. Descriptive analysis was used for analyzing quantitative data, while content analysis was employed for qualitative data. The study confirms that capital adequacy requirements are important for commercial banks. The study also shows that financial stability, credit risk management, reduced vulnerability to liquidity shocks, balance sheet structure, and deposit insurance affect the capital requirements of commercial banks in Kenya. Moreover, the study concludes that Basel III increases capital requirements for counterparty credit risk arising from derivatives, repurchase agreements, and securities financing activities. This study recommends that banks ensure flexible Basel III management expertise that provides speed, accuracy, and efficiency to achieve a competitive advantage.

HISTORY OF CENTRAL ASIAN STATES ON THE WORLD MAP

2024-07-18T18:49:20+00:00

The article describes the history, culture, lifestyle of the population, territorial structure, historical cities, towers, natural resources and rivers of Central Asian countries.

SELECTING A TAXATION SYSTEM AND ORGANIZING ACCOUNTING AND TAX ACCOUNTING DEPENDING ON THE TYPE OF ACTIVITY OF THE ORGANIZATION

2024-07-24T16:46:05+00:00

This article examines the process of selecting an appropriate taxation system and organizing accounting practices tailored to the specific activities of organizations. It explores various taxation options, including simplified and traditional systems, and their implications for accounting and tax compliance. By analyzing different business types and their tax obligations, the study provides a framework for optimizing financial management and ensuring regulatory compliance. The findings offer practical insights for businesses to align their accounting strategies with their operational needs and legal requirements.

THE PERIOD OF LEADERSHIP OF THE MAKAM ENSEMBLE OF ISRAILJON VAKHABOV

2024-08-14T20:56:31+00:00

This article covers the creative activities of the people's staff of Uzbekistan, the Uzbek maqam performer and master of maqom art, Israiljon Vakhobov. Who led the Maqam ensemble for several years, and the work carried out during the leadership of the Maqam ensemble. In particular, it examines the unique aspects of his school of students and his contributions to the development and preservation of maqam art, presented from a scholarly perspective.

THE ROLE OF FINTECH COMPANIES AND TRADITIONAL BANKS IN INCREASING FINANCIAL INCLUSION

2024-08-16T21:26:27+00:00

This article examines the role of fintech companies and traditional banks in increasing financial inclusion. The study analyzes global financial inclusion indicators, examines the gender gap and examines the growth of digital financial services. The article analyzes the strategies of fintech companies and traditional banks in increasing financial inclusion, their cooperation models and comparative advantages. Barriers to financial inclusion, the impact of the COVID-19 pandemic and future trends are also discussed. The results of the study show that cooperation between fintech and banks, support of governments and innovative solutions are important factors for increasing financial inclusion.

MODIFICATION OF THE NOVEL IN THE 20TH CENTURY AND THE CONCEPT OF THE INTELLECTUAL-PHILOSOPHICAL NOVEL

2024-08-16T21:36:40+00:00

The leitmotif of the novel breathes the breath of life, the spirit of creativity, the desire to rejuvenate the material world. He is reborn as a person of domestic-moral, religious-divine and aesthetic value. The above aspects should be taken into account when understanding and explaining the poetics of the novel. The expressed opinions show that there are many individual aspects related to fiction and literary studies, in particular, national novel studies.

PREVALENCE OF DEPRESSION AMONG YOUTH AND THEIR CAUSES AND SOLUTIONS

2024-08-31T10:19:06+00:00

This article discusses the causes of the prevalence of depression among young people and effective ways to combat it. Our goal is to develop effective strategies for youth depression prevention and treatment, improving social and psychological learning.

STRATEGIES FOR ADAPTATION OF STUDENTS TO MARKET RELATIONS

2024-09-15T21:25:21+00:00

This article is dedicated to analyzing strategies to adapt students to market relations. The study explored the role of economic knowledge, practical skills, and communicative skills in adapting students to a market economy. The study concluded that while the majority of students have theoretical knowledge, the lack of practical experience and communication skills prevents them from successfully operating in market conditions. The impact of state-implemented economic reforms and opportunities on students has also been analyzed. This article provides recommendations in the direction of developing practical skills of students and adapting them to market conditions.