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ARAGÃO, Francisco Paulo Brandão. Ensino do direito bancário no Brasil: uma proposta atualizadora. 2013. 142f. – Tese (Doutorado) - Universidade Federal do Ceará, Programa de Pós-graduação em Educação Brasileira, Fortaleza (CE), 2013. / Submitted by Gustavo Daher (gdaherufc@hotmail.com) on 2017-05-30T12:39:33Z No. of bitstreams: 1 2013_tese_fpbaragao.pdf: 1723582 bytes, checksum: 2481f91eecb3874ae0ddaebbc28b3ea2 (MD5) / Approved for entry into archive by Márcia Araújo (marcia_m_bezerra@yahoo.com.br) on 2017-05-30T19:21:51Z (GMT) No. of bitstreams: 1 2013_tese_fpbaragao.pdf: 1723582 bytes, checksum: 2481f91eecb3874ae0ddaebbc28b3ea2 (MD5) / Made available in DSpace on 2017-05-30T19:21:51Z (GMT). No. of bitstreams: 1 2013_tese_fpbaragao.pdf: 1723582 bytes, checksum: 2481f91eecb3874ae0ddaebbc28b3ea2 (MD5) Previous issue date: 2013 / This doctoral research aims to propose an innovative teaching methodology for the banking law discipline. It is made a historical retrospect about legal education since the arrival of Dom João VI in Brazil in 1808, highlighting the changes over time. Focuses attention on the Theory of Central Banks and debates about the necessity of a central bank to have full autonomy, independence to develop its functions in order to be free to propose stables rules for the operation of market as a condition sine ne qua non.As a result of this premises, puts guiding questions to this study and states as a working hypothesis that current programs of Banking Law are inconsistent with the required scientific rigor and the needs of the market by not being able to teach stable rules that make the market reliable. It proposes a new content program for the discipline and suggests thatthe appropriate methodology for teach the necessary content is formative assessment that is capable of diagnose the deficiencies of the students and propose strategies to address them. The research is qualitative and empirical, uses primary and secondary sources. A sample of sixteen former students of the discipline Banking Law of the Federal University of Ceará took part in the study. Although the overall finding is that there is relevant scientific approach to the themes, the conclusion is that the methodology is inadequate understanding of the issues are outdated for the preparation of future professionals of banking law that go act in the market. This could be verified by direct research in various programs adopted in many countries. As conclusion, the hypothesis has been validated. Then, a new program is proposed by this study to be evaluated with the use of formative assessment. Key-words:Formative assessment, Banking Law , Higher Education. / Esta atividadeacadêmica tem como objetivo propor programa e metodologia inovadores para o ensino de Direito Bancário. Ela faz um retrospecto histórico do ensino jurídico desde a chegada de Dom João VI ao Brasil,em 1808, pontuando as mudanças ocorridas ao longo de dois séculos. Foca a atenção sobre a Teoria dos Bancos Centrais, discorre sobre a necessidade de um banco central terautonomia ou independência, além de apreciar o exercício de suas funções, o que sugeriria competência e legitimidade para propor regras estáveis para o funcionamento do mercado.Em decorrência, expõe questões norteadoras e enuncia, como pressuposto que os atuais programas de Direito Bancário não se coadunam com o rigor científico exigível nem com as necessidades do mercado, por não serem capazes de ensinar regras estáveis que tornem o mercado confiável.Propõe, também, que a metodologia de avaliação adequada ao processo de lecionar o conteúdo definido para a disciplina seja a avaliação formativa, capaz de aferir o grau de desconhecimento dos assuntos propostos em novo programa para a disiciplina. A pesquisa empírica, de natureza qualitativa, emprega fontes primárias e secundárias. Foi utilizada uma amostra de dezesseis ex-alunos da disciplina de Direito Bancário da Faculdade de Direito da Universidade Federal do Ceará. Embora o entendimento geral denote que haja abordagem científica dos temas, a conclusão revela que a metodologia empregada se mostra inadequada à compreensão dos temas que envolvem, atualmente, o DireitoBancario.Isso pode ser verificado pela pesquisa direta efetuada em vários programas que adotam essa disciplina em alguns países,os quais demonstram estar defasados para a preparação do futuro profissional de Direito que vá atuar no campo do Direito Bancário.Resulta, então, num novo programa a ser executado com o emprego da avaliação formativa, como validação do pressuposto. Palavras-chave: Avaliação formativa. Direito Bancário. Ensino Superior.

The Internet has had and will continue to have a major impact in the way in which banking business is conducted. This dissertation primarily considers the allocation of risks associated with Internet banking and in doing so considers the role of trade usage in Internet banking. The question of what the Internet is and more specifically what constitutes Internet banking is addressed. In order to have an understanding of the allocation of risks in Internet banking a good understanding of the traditional bank-customer relationship is necessary. The contractual basis for this relationship is discussed. The duties of the bank and the customer are discussed. In this regard the duty of a bank to act in terms of its customers mandate, the banks duty of confidentiality and the customers duty to exercise reasonable care are considered. The concept of a customer is briefly discussed. As trade usage plays a significant role in the contract between the bank and its customer, attention is given to the requirement for the recognition of a trade usage generally and more particularly in South Africa. The effect of Internet banking on the traditional bank-customer relationship is considered. The fact that a bank is still required to act in terms of its customer's mandate but is unable to identify is examined. As most Internet banking contracts impose an obligation on the customer to take security precautions and also limit the liability of banks, consideration is finally given to the possibility that the practices of banks in regard to Internet banking may have acquired the status of trade usage in this particular sphere of banking. / LL.M. (Banking Law)

LL M. (Commercial Law) / It is believed that Islamic banking and finance is currently the fastest growing system of banking in the world. In 2010, Islamic finance institutions reported an estimated USD 1 trillion in global assets, and an estimated growth rate of 15%.1 Many countries have taken notice of this growth, and have attempted to implement measures that will allow them to best reap their share of the spoils. This dissertation will attempt to explain the nature of Islamic banking, its history and development, as well as the main principles upon which it is based. The dissertation will then compare Islamic banking and its Western or conventional banking counterparts as well as advantages and drawbacks of both systems. The dissertation will attempt to provide an exposition of the current regime in South Africa and its impact on the functions of Islamic banks, as well as providing an explanation of how these banks operate within the South African legal framework. The dissertation will also explore the legal systems and regulation of Islamic banks and other financial institutions in other jurisdictions, and also attempt to provide a guide as to whether the South African position needs reform or whether it is sufficient to take advantage of this growing sector of finance ...

A thesis submitted to the Faculty of Commerce Law and Management, University of the Witwatersrand, Johannesburg, in fulfilment of the Degree of Doctor of Philosophy / Ethical investing has become increasingly prevalent in recent years and mirrors a rise in shareholder activism, consumer ethics and corporate social responsibility. Shariah funds are a subset of ethical funds. The rise in popularity of ethical funds has raised questions as to whether ethical funds perform better than conventional funds, and whether ethical funds are riskier than conventional funds. A number of studies have been carried out in different countries utilising the traditional performance measures as well as factor models to determine the risk profile and returns of ethical funds compared to conventional funds. These studies have shown that the results are country specific and hence each country needs to be analysed separately. The aim of this study is to investigate ethical funds (incorporating Shariah funds) in the South African context. The study examines the performance and risk profile of ethical funds relative to conventional funds utilising traditional performance methods as well as the CAPM model and Fama French 3-factor model. Furthermore, the study determines the factors that influence investors to invest in ethical funds and to examine their investment preferences when choosing between conventional funds and ethical funds through a survey of Muslim investors. Finally, the study examines the role of advertising in ethical fund investment and investigates whether the marketing material of ethical funds is aligned to investor requirements by utilising content analysis to compare the fact sheets of various mutual funds for the presence of factors identified as important by investors. The empirical results show that conventional funds outperformed ethical funds with a greater variability of return over a truncated time period. Both ethical and conventional funds were driven primarily by the market return with no clear style bias. In fact, ethical funds had a stronger beta to the ALSI than to the JSE SRI index. The qualitative analysis showed that the sampled investors perceived conventional funds as offering better returns, but being more risky. The sampled investors were willing to undertake financial sacrifice in order to invest according to their faith. The most important source of information regarding investments was cited as professional advice, followed by word of mouth and advice from family and friends. Advertising came in behind these factors and was not an influential source of information for the sampled investors. The factors most important to investors when deciding to invest in a fund was the philosophy of the fund (i.e. it’s investment strategy or ideology) followed by the risk profile of the fund and past returns of the fund. The content analysis showed that the factsheets of South African mutual funds were aligned to the factors identified by the sample of investors as most important with influencing their decision to invest. Moreover, conventional funds focused more on returns than risk, with ethical funds focusing more on risk than return – thus funds tended to emphasise their strong points most in their factsheets. / MB2016

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In the multifaceted landscape of financial markets, the understanding and application of data science methods are crucial for achieving robustness, fairness, and strategic advancement. This dissertation addresses these critical areas through three interconnected studies. The first study investigates the problem of data imbalance, with particular emphasis on financial applications such as credit risk assessment, where the prevalence of non-defaulting entities overshadows defaulting ones. Traditional classification models often falter under such imbalances, leading to biased predictions. By analyzing linear discriminant functions under conditions where one class's sample size grows indefinitely while the other remains fixed, this study reveals that certain parameters stabilize, providing robust predictions. This robustness ensures model reliability even in skewed data environments. The second study explores anomalies in option pricing, specifically the total positivity of order 2 (TP₂) in call options and the reverse sign rule of order 2 (RR₂) in put options within the S&P 500 index. By examining the empirical significance and occurrence patterns of these violations, the research identifies potential trading opportunities. The findings demonstrate that while these conditions are mostly satisfied, violations can be strategically exploited for consistent positive returns, providing practical insights into profitable trading strategies. The third study addresses the fairness of regulatory stress tests, which are crucial for assessing the capital adequacy of banks. The uniform application of stress test models across diverse banks raises concerns about fairness and accuracy. This study proposes a method to aggregate individual models into a common framework, balancing forecast accuracy and equitable treatment. The research demonstrates that estimating and discarding centered bank fixed effects leads to more reliable and fair stress test outcomes. The conclusions of these studies highlight the importance of understanding the behavior of commonly used models in handling imbalanced data, the strategic exploitation of option pricing anomalies for profitable trading, and the need for fair regulatory practices to ensure financial stability. Together, these findings contribute to a deeper understanding of data science in finance, offering practical insights for regulators, financial institutions, and traders.