bluuebunny/crossref_metadata_2025_split huggingface dataset:
FORECASTING NIGERIAN ECONOMIC GROWTH BASED CORPORATE INCOME TAX
Authors: SAGIR ABDU MASANAWA , ABDULAZEEZ SHEHU , DORO SANI IBRAHIM 
Published: June 2023

Developing countries like Nigeria have been hit hard by recent economic crises, and uncertainty is one of the characteristics that all prices and revenues share. A forecast of Nigerian economic growth was attempted using an artificial neural network (ANN) and statistical model to analyse the contribution of non-oil income tax generation to Nigerian economic development. While the primary objective is to develop and implement the proposed models capable of simulating a real non-oil income tax and evaluate their performances. The dataset (Corporate Income Tax) from 2015–2020 was obtained from the National Bureau of Statistics of Nigeria (NBSN). Three training algorithms for ANN were adopted, such as conjugate gradient back-propagation with Fletcher-Reeves restarts, Bayesian regularisation, and gradient descent with an adaptive learning rate, whereas in the statistical part, multiple linear regressions were applied. Comparing all the models revealed that the Bayesian regularisation produced more accurate results than the other models.
FED FAİZ KARARLARININ ÜLKELER ÜZERİNDEKİ FİNANSAL ETKİLERİNİN İNCELENMESİ
Authors: ARSLAN Hamide 
Published: June 2023

Amaç: Bu çalışmada, Amerika Merkez Bankası (FED)’nın para politikası karalarının seçilmiş ülkeler üzerindeki etkilerini ortaya koymak amaçlanmıştır. Bu bağlamda özellikle politika faiz oranlarına odaklanarak FED faiz kararlarının ülkeler üzerindeki finansal etkilerini incelemektedir.
Yöntem: Çalışmada Ocak 2001- Aralık 2019 dönemi dikkate alınarak, FED politika faizi kararlarının BRICS (Brezilya, Rusya, Hindistan, Çin ve Güney Afrika) ve benzer mali ve ekonomik yapıları olması nedeniyle Türkiye’nin politika faizi üzerindeki etkileri analiz edilmiştir. Çalışmada hata düzeltme (VEC) modellerinden yararlanılarak politika faizleri arasındaki kısa ve uzun dönemli etki ortaya konmuştur. Çalışma kapsamında kullanılan veriler, Ocak 2001- Aralık 2019 dönemini kapsamakta olup Bloomberg’den elde edilmiştir. COVID-19 dönemi, farklı kırılganlıkların ortaya çıkması ve uygulanan politikalarn detaylıca incelenmesi açısından başka bir çalışma konusu olduğu için çalışma dönemi dışında tutulmuştur.
Bulgular: 2001-2019 dönemi için yapılan çalışma sonucunda ülkelerin politika faiz oranları ile FED politikaları arasında kısa ve uzun dönemli ilişki olduğu tespit edilmiştir. FED politikalarından uzun dönemde en çok etkilenen ülke Brezilya olurken, en kısa etki Güney Afrika için söz konusudur.
Özgünlük: Çalışmada elde edilen sonuçlar FED faiz kararları etkilerini tespit etmek ve uygun çözüm önerileri geliştirmek adına farklı öngörülerde bulunulması olanaklarını sunmaktadır. Bu doğrultuda FED faiz kararlarına karşı ülkelerin bundan etkilenmemeleri adına olanaklar geliştirmelerine ışık tutmaktadır.
İbrahîm Abdülkādir el-Mâzinî’nin Romanlarında Öne Çıkan Temalar
Authors: KESER Adem 
Published: June 2023

Modern Arap edebiyatında roman türünün ilk örnekleri, Napolyon’un Mısır’ı işgalinin ardından bu ülkede başlatılan yenilik hareketleriyle beraber ortaya çıkmıştır. Teknik ve kurgu açısından Arap romanının arzu edilen standartları yakalaması ve edebî anlamda ilk roman örneklerinin görülmesi ise roman yazarlığından farklı kimlikleriyle ön plana çıkan birçok yazarın bu alana katkı sunmasıyla mümkün olmuştur. Daha çok eleştirmen olarak bilinen bu yazarlardan biri de İbrâhim Abdülkādir el-Mâzinî’dir. Edebiyatın birçok alanında eserler yazmış olan Mâzinî, çoğunlukla psikolojik romanlar kaleme almış usta bir yazardır.
Bu çalışmanın amacı, Arap edebiyatının önemli isimlerinden biri olan Mâzinî’nin, romanlarında yer verdiği temaları incelemektir. Çalışmamızda Mâzinî’nin İbrâhim el-Kâtib, İbrâhim es-Sânî ve Selâsetü Ricâlin ve’mrae’ romanları incelenmiş ve bu romanlarda ağırlıklı olarak aşk, sevgi, geleneklerin baskısı, çaresizlik, karamsarlık, hayal kırıklığı, hüzün, korku, vehim, kıskançlık ve cimrilik gibi temaların işlendiği tespit edilmiştir. Devrindeki birçok yazarın romanlarında çok daha farklı temalar görülürken, Mâzinî’nin romanlarındaki temaların çoğunlukla insanın iç dünyasını yansıtan psikolojik temalar olduğu görülür. Bu yönüyle Mâzinî, diğer birçok Arap roman yazarından ayrılır.
Mağrib ve Kuzey Afrika Bölgesinde Nâfi‘ Kirâati ve On Tarîki
Authors: SALİHOĞLU Alaaddin 
Published: June 2023

Hicrî ilk üç asırda Medine başta olmak üzere Mekke, Kûfe, Basra ve Şam gibi yerleşim merkezlerinde ilk kırâat ekolleri ortaya çıkmıştır. Bu şehirlerde yoğunlaşan kırâat çalışmaları, yapılan fetihler ve yürütülen İslâmlaştırma faaliyetlerine paralel olarak yeni fethedilen coğrafyalara yayılmış, farklı faktörlerin etkisi altında bazı kırâatler belli bölgelerde hâkim olmuştur. İlk kırâat ekolleri arasında ayrı bir yere sahip olan yedi kırâat imamından Nâfi‘ b. Abdirrahman el-Medenî’nin (ö. 169/785) kırâati Medine’de öne çıkmıştır. Resulullah’ın şehrinin kırâat birikimini yansıtması bakımından büyük önem arz eden bu kırâat, İslamiyet’in erken dönemlerinden itibaren Mağrib ve Kuzey Afrika bölgesinde yayılmaya başlamıştır. Bu bölgede Medine kırâat ekolü insanların teveccühüne mazhar olmuş ve böylece asırlarca tercih edilen hemen hemen tek kırâat olmuştur. Nitekim geçmişten günümüze kadar bölgede basılan mushaflar bu kırâate göre olmuştur.
Bu çalışmada Mağrib ve Kuzey Afrika bölgesinde Nâfi‘ kırâatinin tarihî serencamına ilişkin safhalara ışık tutulmuştur. Bu bağlamda bölgenin fethin-den itibaren buraya intikal eden ilk kırâatler üzerinde durduktan sonra Nâfi‘ kırâatinin bölgeye girişi, öncüleri, gelişmesi ve tarihsel sürecine dair bir değerlendirme yapılmıştır. Ardından Nâfi‘ kırâatinin bölgede yayılmasının sebeplerine yer verilmiş, bu denli tercih edilmesinin nedenleri analiz edilmiştir. Akabinde İslam dünyası genelinde Nâfi‘ kırâatinin tedrisatı ve kırâat ilminin ana kaynaklarındaki rivâyet ve tarîkleri hakkında malumat verilmiştir. Daha sonra Mağrib özelinde söz konusu kırâatin tedrisatı ve diğer İslam coğrafyalarından temayüz ettiği (Aşere-i Nâfi‘iyye) eğitim programı ile on tarîk ortaya konmaya çalışılmıştır. Çalışmada yöntem bakımından mukayese ve tarama metodu kullanılmıştır.
Implementation of the Policy on Screening, Identification, Assessment, and Support by Teachers in Selected Primary Schools in King Cetshwayo District
Authors: Msane Hlakaniphile , Hlongwane Mandla , Kent Chedza 
Published: June 2023

Purpose: The study aimed to explore the implementation of the Screening, Identification, Assessment, and Support policy. It underpinned by the Bio-Ecological systems Theory (BEST) which outlines the importance of the surroundings and the interaction of the surrounding in the social and cognitive development of a child.
Methodology: Data was gathered from a sample 32 participants comprising of 30 teachers from three primary schools and two district officials of the King Cetshwayo District. Survey questionnaires and focus groups interviews were used as data collection instruments. The data is presented into themes namely knowledge and understanding of the SIAS policy; addressing learning barriers identified in primary schools; teachers’ knowledge and skills in working with learners with problems; common learning problems identified in primary schools; and impact of the SIAS policy to the development of learners. These main themes bred the sub-themes namely SIAS policy as a guideline; documented procedure on identifying learners with problems; supporting learners with learning problems as per the SIAS policy; parental involvement; teacher development about the notion of SIAS; cascaded training for teachers; behavioural problems; reading and writing problems; personal and scholastic development of learners; and general successes of the SIAS policy in the education setting.
Findings: The key findings of the study revealed that SIAS policy of inclusive education is not effectively implemented. This is due to teachers not prepared enough in terms of skills and confidence in working with learners with learning problems.
Recommendations: The research therefore recommends that training development needs to be well effected for teachers to align themselves with SIAS policy in working with learners with learning barriers.
Orta Doğu’da Yeniden Timurlu Korkusuna Yol Açan İki Savaş: Eleşkirt ve Selmas
Authors: ŞAHİN Mustafa 
Published: June 2023

Azerbaycan’a hâkim olmak isteyen Timur, kısa sürede Karakoyunlulara rakip oldu. Timur, Kara Mehmed’e karşı gözle görülür bir başarı elde etmişse de bölgeyi çok iyi bilen Türkmenler tarafından askerleri sarp dağlarda pusuya düşürülerek ağır kayıplar verdiler. Timur’un ölümüyle ortaya çıkan boşluktan faydalanan Kara Yusuf, kaybettiği yerleri geri aldığı gibi Timur’un torunu Mirza Ebûbekir’i de 1406 ve 1408’de yendi. Son savaşta Timur’un oğlu Mîrânşâh öldürüldü.
Mirza Şahruh, Mîrânşâh’ın intikamını almak ve bölgedeki hâkimiyetini pekiştirmek için 1420’de sefere çıktı. Kara Yusuf’un Ucan’da ölmesiyle yerine geçen Mirza İskender kısa zamanda toparlanarak 1421’de Eleşkirt’te Şahruh’un karşısına çıktıysa da yenildi.
Timurlular bölgeden ayrılınca Karakoyunlular Azerbaycan’a saldırdılar ve onların müttefiklerini cezalandırdılar. Bölgede Memlûkler de etkili olmaya başlayınca Şahruh ikinci defa Azerbaycan’a gelip 1429 yılındaki Selmas Savaşı’nda Mirza İskender’i yendi. Bu savaştan sonra Timurluların karşısında Mısır’dan Boğazlara hatta Balkanların ötesine kadar dikkate değer bir güç kalmadı. Timurluların Selmas Savaşı’nı kazanmaları Osmanlılar ve Memlûkler arasında korkuya sebep oldu. Şahruh’un Bizans’ı yıkıp Avrupa’ya geçeceği şayiası bile dolaşmaya başladı. Şahruh Herât’a dönünce Osmanlılar ve Memlûkler rahat bir nefes aldılar.
Timurlular veya Karakoyunlularla ilgili çalışmalarda Eleşkirt ve Selmas Savaşı’na yer verilmişse de müstakil çalışma çok azdır. Bu çalışmanın amacı her iki savaşın sonucunun bölgede meydana getirdiği tedirginliği anlatmaktır.
Subclinical retinopathy in systemic lupus erythematosus patients – Optical Coherence Tomography study
Authors: Mimier-Janczak Małgorzata Karolina , Kaczmarek Dorota , Proc Krzysztof , Misiuk-Hojło Marta , Kaczmarek Radosław 
Published: June 2023

Introduction:The aim was to detect subclinical structural retinal abnormalities in optical coherence tomography (OCT) in ophthalmologically asymptomatic systemic lupus erythematosus (SLE) patients without signs of lupus retinopathy or drug toxicity in fundus examination and in OCT and to assess the relationship between OCT parameters and disease activity, therapy type and burden on other organs to demonstrate the utility of OCT in early retinal impairment in SLE patients.Material and methods:Cross-sectional study. Thirty-three SLE patients (57 eyes) and 31 healthy individuals (56 eyes) were enrolled in the study. We excluded patients with evidence of lupus retinopathy or hydroxychloroquine (HCQ) toxicity on OCT or fundus examination to reveal any subclinical changes. All patients underwent full ophthalmologic examination in the slit lamp including best corrected visual acuity, tonometry, and OCT. The Kolmogorov-Smirnov distribution test was used to assess the normal distribution in quantitative values. The differences between the individual measured parameters in the groups were analyzed using the Mann-Whitney U test. Spearman’s rank correlation test was used to assess the correlation between the measured parameters and quantitative clinical data.Results:There was no difference in the OCT findings between SLE and healthy control groups. Among the study group a negative correlation was found between disease duration and age and retinal nerve fiber layer thickness in the inferior quadrant (p = 0.0063, p = 0.0036). No correlations were observed between examined retinal parameters and duration of hydroxychloroquine therapy, hydroxychloroquine as well as chloroquine cumulative dose and disease activity indices.Conclusions:Optical coherence tomography is a widespread ophthalmic modality used for SLE retinopathy and HCQ toxicity screening. Our study did not demonstrate its clinical potency in diagnosis of subclinical retinal involvement. An optical coherence tomography device seems to be less sensitive in subclinical retinal impairment detection than optical coherence tomography angiography.
Minat Masyarakat Dalam Menabung Pada Masa Pandemi di BPRS Al-Washliyah Medan
Authors: Khoiriaturrahmah Miftah , Dalimunte Ahmad Amin 
Published: June 2023

the results of this study indicate that; First, the public's interest in saving duringthe pandemic at BPRS Al-Washliyah Medan is interested in which the number of people has increased from the previous year. 5 components that influence people's interest in saving during the COVID-19 pandemic, namely: Attention, Interest, Trust (Disire), Confidence (Convication), Feelings of Happiness. Many people have barriers to income that is only enough for daily needs that cannot be set aside for savings. Second, the efforts made by the Bank to increase public interest during the COVID-19 Pandemic is the 4P Mix, namely Product, Price, Promotion, but socialization in shcools cannot be carried out because schools are carried out in a brave manner, not face-to-face as usual so it is difficult to socialize. Facing these problems, the Bank goes directly to the community to conduct promotions by complying with health protocols and conduct promotions throught the internet site.
Keywords : Community, Saving, COVID-19, BPRS Al-Washliyah Medan
Pengaruh Label Halal dan Harga Terhadap Keputusan Pembelian Konsumen Muslim di D’besto Chicken & Burger
Authors: Ramita Putri , Kurniadi Sandy 
Published: June 2023

Penelitian ini bertujuan untuk mengetahui pengaruh label halal dan harga terhadap keputusan pembelian konsumen muslim di d’besto chicken & burger Bungo. Jenis penelitian ini adalah penelitian kuantitatif deskriptif. Sampel dalam penelitian ini adalah pengunjung muslim yang bertransaksi di d’Besto chicken & burger, penelitian ini menggunakan uji validitas dan reliabilitas, teknik analisis data yang digunakan adalah uji asumsi klasik meliputi uji normalitas, uji multikolinieritas dan uji heteroskedasitas. Uji parsial (uji t), uji simultan (uji F), uji regresi linier berganda dan uji determinasi (R2). Berdasarkan uji t nilai t varibel label halal dan harga berpengaruh signifikan terhadap keputusan pembelian oleh konsumen muslim di d’Besto chicken & burger. Berdasarkan uji F, nilai F hitung lebih besar dari F tabel yaitu 129.895 > 1.98552 artinya bahwa variabel Label Halal, Harga Berpengaruh signifikan terhadap keputusan pembelian konsumen muslim di d’besto chicken & burger. Hasil penelitian dilihat dari nilai (R2) sebesar 0.734 dapat diartikan bahwa pengaruh label halal dan harga terhadap keputusan pembelian oleh konsumen muslim di d’Besto chicken & bueger adalah sebesar 73,4%. Dan 26,6% lainnya dipengaruhi oleh hal yang tidak disebutkan dalam penelitian ini.
PENTINGNYA KESETARAAN GENDER PADA GURU TINGKAT SEKOLAH DASAR (Study Kasus di Madrasah Ibtidaiyah NW Loyok)
Authors: Muhammad Ramdani Nur  
Published: June 2023

Penelitian ini bertujuan untuk Untuk mengetahui pentingnya kesetaraan gender pada guru tingkat sekolah dasar dan untuk mengetahui dampak kesetaraan gender pada guru tingkat sekolah dasar. Jenis penelitian yang digunakan adalah Penelitian deskriptif (Descriptive Research) menggunakan pendekatan kualitatif. Teknik pengumpulan data pada penelitian ini menggunakan observasi, wawancara dan dokumentasi. Berdasarkan penelitian tersebut Pentingnya Kesetaraan Gender Pada Guru tingkat Sekolah Dasar karena anak sekolah Dasar masih membutuhkan perhatian orang tua, sehingga ketika mereka sekolah perlu dididik oleh guru wanita yang bisa memahami kebutuhan anak usia sekolah dasar. Akan tetapi tidak semua masalah kebutuhan anak selalu membutuhkan guru Wanita karena seharusnya sekolah juga perlu didikan dari guru laki-laki. Adapun faktor yang penyebabnya ialah: Pembagian kerja, sifat keibuan yang dimiliki guru wanita, faktor pendidikan, kurangnya minat laki-laki menjadi guru sekolah, streotip wanita, kultur masyarakat pathriarki. Dampak yang ditimbulkan oleh Kesetaraan Gender Pada Guru tingkat Sekolah Dasar ialah dampak positif, terciptanya suasana belajar yang kondusif, peserta didik akan merasa nyaman, mempermudah komunikasi peserta didik, dan Wanita bisa mengembangkan karir. Sedangkan dampak negatifnya ialah, Wanita akan dianggap lemah, Terjadinya kesenjangan social antara laki-laki dan wanita, Kurangnya pemahaman peserta didik tentang sosok maskulin.
PENGARUH BIMBINGAN DAKWAH BALAI REHABILITASI SOSIAL (BRS) WATUNAS “MULYA JAYA” JAKARTA TERHADAP PEMBENTUKAN KARAKTER KEMANDIRIAN MANTAN WANITA TUNA SUSILA BINAANNYA
Authors: Suhdi Ahmad , Maulana Imang 
Published: June 2023

Masalah sosial merupakan gejala sosial yang sering muncul dalam kehidupan bermasyarakat, hal ini bertolak belakang dengan kesejahteraan dan norma sosial. Masalah sosial yang sering terjadi di masyarakat salah satunya adalah masalah prostitusi yaitu banyaknya Wanita Tuna Susila (WTS) yang merugikan lingkungan masyarakat, pemerintah dan juga individu yang melakukan penyimpangan sosial. Banyak Faktor yang mempengaruhi para Wanita Tuna Susila (WTS) yang mengalami masalah sosial ini, salah satunya adalah kurangnya pembinaan karakter kemandirian mereka sehingga para Wanita Tuna Susila (WTS) menghalalkan segala cara demi melangsungkan kehidupannya. Berdasarkan latar belakang tersebut peneliti ingin meneliti pengaruh bimbingan dakwah Watunas “Mulya Jaya” Jakarta dengan Tujuan Penelitian yaitu untuk mengetahui apakah terdapat pengaruh dakwah Balai Rehabilitasi Sosial (BRS) Watunas “Mulya Jaya” Jakarta terhadap Pembentukan Karakter Mandiri Mantan Wanita Tuna Susila (WTS) Binaannya, dan untuk mengetahui seberapa besar pengaruh dakwah Balai Rehabilitasi Sosial (BRS) Watunas “Mulya Jaya” Jakarta terhadap Pembentukan Karakter Mandiri Mantan Wanita Tuna Susila (WTS) binaannya. Peneliti menggunakan Pendekatan Kuantitatif dengan jenis penelitian suvei yang berpedoman pada kuesioner. Teknik pengambilan sampel menggunakan teknik cencus sampling. Dalam hal menganalisis data peneliti menggunakan pengujian uji validitas dan reabilitas dengan meggunakan teknik pearson’s corellation product moment, uji normalitas, uji linieritas, uji koefisien determinasi, analisis regresi sederhana, dan uji hipotesis (ANOVA). Penelitian ini menujukkan bahwa terbukti terdapat pengaruh Bimbingan Dakwah Balai Rehabilitasi Sosial (BRS) Watunas “Mulya Jaya” Jakarta (X) terhadap pembentukan Karakter Kemandirian mantan Wanita Tuna Susila binaannya (Y) dilihat dari hasil uji hipotesis dengan nilai signifikansi yang diperoleh yaitu 0,000 atau <0,05 sehingga H0 ditolak dan H1 diterima. Serta berdasarkan uji koefisien determinasi telah diketahui besarnya pengaruh bimbingan dakwah terhadap karakter kemandirian responden yaitu diperolehnya nilai r square sebesar 62,7%.
Research on the Application of Computer Aided Design Software SU in Landscape Design
Authors: Yi Li 
Published: June 2023

SketchUp has simplified, three-dimensional and intuitive effects on landscape design optimization. The software changes from traditional manual drawing to computer-aided drawing, which promotes the improvement of landscape design and BIM modeling and analysis level. SketchUp enables real-time communication with customers. This paper is based on two-dimensional data accurately drawn by AutoCAD and uses the SketchUp ESRI plug-in between GIS and SketchUp to convert shape files into SketchUp recognizable. Then, Google SketchUp intelligent software was used to rapidly batch process GIS data. Finally, the 3D model is output into Multipitch (*.mdb) format data. The software can realize roaming, query, data management and spatial analysis, and achieve the purpose of rapid realization of forest landscape visualization. This method can batch process the 3D modeling data of large areas and has important reference value for landscape visualization and landscape planning.
ANALYSIS OF THE LARGEST BANK OF KAZAKHSTAN – JSC «HALYK BANK OF KAZAKHSTAN»
Authors: Baktybaeva D. S. , Karipova A. M. , Sagandykova D. Kh. 
Published: June 2023

Banks are an integral part of the modern monetary economy, their activities are related to the needs of reproduction. Banks form the basis of the market mechanism by which the country's economy operates. Commercial banks are designed to regulate the flow of all cash flows, primarily credit, to help ensure the most rational use of society's financial resources and the flow of capital to those sectors of the country's economy where the return on investment will be maximum. Determining the real state of the Bank is of great importance not only for the Bank itself, but also for numerous shareholders and depositors. They should be confident in the financial well-being of a particular Bank, the development of which brings them real benefits.Modern economic analysis is the basis for an objective assessment of the Bank's performance and management decision - making. In this regard, there is a need for in-depth research in the field of banking, as well as understanding of domestic and foreign experience.This article provides an analysis of the financial condition of Halyk Bank of Kazakhstan JSC: an assessment of the main financial indicators of the Bank, an analysis and assessment of changes in the capital of Halyk Bank of Kazakhstan JSC. In addition, the analysis of changes in customer funds and the analysis of changes in the Bank's obligations was carried out. The article also considers the analysis of the Bank's loan portfolio and its share in the total loan portfolio of STB, considers and pranalizes the income and expenses of Halyk Bank of Kazakhstan JSC.
ANALYSIS OF THE IMPACT OF THE SITUATION IN THE WORLD ON «FORTEBANK» JSC
Authors: Karipova A. M. , Baktybaeva D. S. , Usbanova G. Sh. 
Published: June 2023

In an effort to curb the spread of the virus around the world, something hitherto unheard of has been attempted – shutting down economies in different regions, in some cases twice, leaving tens of millions of people out of work and millions of businesses shut down. These people and companies are customers of banks, and as a result of their inability to meet their obligations to banks, the number of defaults may increase dramatically.Unlike many past shocks, the COVID-19 crisis is not just a banking crisis, but a real economy crisis. Banks will undoubtedly suffer as credit losses cascade through the economy and demand for banking services falls. But the reasons for the problems are not in the banks. The global banking system entered the crisis with a good capitalization and much more stable than it was 12 years ago.The good news is that the banking sector is sufficiently capitalized to withstand the coming shock.In 2020, the financial sector of Kazakhstan developed under the influence of a double shock: oil prices fell and, as expected, as a result of the restrictive measures imposed in connection with the coronavirus pandemic, business activity decreased.This year is projected to be the most significant drop in economic growth in the last 20 years. According to the forecasts of the Ministry of National Economy of the Republic of Kazakhstan, the decline in GDP for the year will be - 2.1%, and according to the IMF – at the level of - 2.7%. It is obvious that the determining factor in the development trajectory of the country's financial sector this year and next is the scenario of the spread and the possibility of overcoming the pandemic, its impact on business activity and market relations.The banking sector approached the beginning of the pandemic with a large capital stock, as evidenced by the independent asset quality assessment (AQR) for the 14 largest banks, which account for 87% of the banking system's assets.In the group-14 highly qualified large banks are included in JSC" ForteBank". The main financial indicators of banks during the pandemic period did not decrease, income received from ATMs, as well as Rosli.