WorldWideScience

Sample records for extramural loan repayment

  1. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... loan during the loan period at a rate that is the lesser of: (1) The principal, plus interest; or (2) The alternative repayment rate for honey as determined by the Secretary. (3) In the event of a severe...

  2. Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).

    Science.gov (United States)

    Office of Federal Student Aid (ED), Washington, DC.

    This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…

  3. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

    Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

  4. Loan Officers’ Gender and Microfinance Repayment Rates

    NARCIS (Netherlands)

    Berg, van den Marrit; Lensink, Robert; Servin, Roselia

    2015-01-01

    This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a cruci

  5. Loan Officers’ Gender and Microfinance Repayment Rates

    NARCIS (Netherlands)

    Berg, van den Marrit; Lensink, Robert; Servin, Roselia

    2015-01-01

    This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a

  6. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

    .... (i) Dental Hygiene. (j) Dental Assistant: Certified. (k) Pharmacy: B.S., Pharm.D. (l) Optometry: O.D...] Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  7. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

    ... Masters level. (f) Dentistry: DDS and DMD. (g) Dental Hygiene. (h) Pharmacy: B.S., Pharm.D. (i) Optometry... HUMAN SERVICES Indian Health Service Loan Repayment Program for Repayment of Health Professions... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  8. 78 FR 7787 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2013-02-04

    ...: DDS and DMD. (i) Dental Hygiene. (j) Dental Assistant: Certified. (k) Pharmacy: B.S., Pharm.D. (l... HUMAN SERVICES Indian Health Service Loan Repayment Program for Repayment of Health Professions... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  9. Factors Affecting Loan Utilization And Repayment Patterns By Small ...

    African Journals Online (AJOL)

    Factors Affecting Loan Utilization And Repayment Patterns By Small Holder Farmers ... 61.3% of the respondents had a minimum of secondary school education. ... Also, it can be inferred that effective utilization of loan is directly influenced by ...

  10. 7 CFR 1427.19 - Repayment of loans.

    Science.gov (United States)

    2010-01-01

    ... determined by CCC under § 1427.25, in effect on the day the repayment is received by the county office, loan... event that Thursday is a non-workday, such loan repayments will not be accepted beginning at 7 a.m...: (i) The tariff storage rate for the warehouse for the 2005 crop or, for any warehouse not...

  11. Repayment Book. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC.

    This booklet is intended to help individuals who received William D. Ford Federal Direct Loans as students manage the repayment process. Following an introduction, explanations are offered for how the principal balance of the loan is determined and how interest rates are applied. The following sections explain the four different repayment plans,…

  12. 75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

    Science.gov (United States)

    2010-04-19

    ... Research, Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary... Food and Agriculture 7 CFR Part 3431 RIN 0524-AA43 Veterinary Medicine Loan Repayment Program (VMLRP... Veterinary Medicine Loan Repayment Program (VMLRP) authorized by the National Veterinary Medical Service Act...

  13. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Obtaining and repaying a loan. 682.102 Section 682.102 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope §...

  14. 75 FR 3193 - Application Package and Reporting Requirements for the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2010-01-20

    ... Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA... Veterinary Medicine Loan Repayment Program (VMLRP). This Notice initiates a 60-day comment period and... requirements for the Veterinary Medicine Loan Repayment Program (VMLRP) as authorized under section 1415A...

  15. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... advance the borrower's knowledge of and strengthen his or her skills in the provision of nursing services... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each...

  16. 44 CFR 206.367 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... outstanding cash from the actual date of its disbursement by the Treasury. (2) The interest amount due will be... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in... be added to the unpaid balance of the loan, bear interest at the same rate as the loan, and...

  17. Microcredit Loan Repayment Default among Small Scale ...

    African Journals Online (AJOL)

    2017-05-01

    May 1, 2017 ... macro level both variables depend on the state of the economy (systematic risk). At the micro level the ... policy implications are presented. Literature ... recovery rates was triggered by the advent of the new Basel Capital Accord. Also, most ...... repayment problem among microfinance borrowers in Malaysia.

  18. 44 CFR 206.377 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... Assistant Administrator for the Disaster Assistance Directorate. Interest will accrue on outstanding cash..., where I = the amount of simple interest, P = the principal amount disbursed; R = the interest rate of... rate as the loan, and be immediately due without demand. (6) In the event of default on this note...

  19. 75 FR 22736 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-04-30

    ... National Institute of Food and Agriculture Notice of Request for Applications for the Veterinary Medicine... . DATES: The FY 2010 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary...

  20. 77 FR 23461 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2012-04-19

    ... National Institute of Food and Agriculture Notice of Request for Applications for the Veterinary Medicine...: The FY 2012 Veterinary Medicine Loan Repayment Program (VMLRP) application package will be available... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary...

  1. 11 CFR 116.12 - Repayment of candidate loans of $250,000 or less.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Repayment of candidate loans of $250,000 or less. 116.12 Section 116.12 Federal Elections FEDERAL ELECTION COMMISSION GENERAL DEBTS OWED BY CANDIDATES AND POLITICAL COMMITTEES § 116.12 Repayment of candidate loans of $250,000 or less. (a)...

  2. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Science.gov (United States)

    2010-01-01

    ...) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.13 Terms... service in a veterinary shortage situation, as determined by the Secretary, with a minimum of 3 years (and...

  3. 26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

    Science.gov (United States)

    2010-04-01

    ... banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. There is deductible, under section 592, from the...

  4. 75 FR 77607 - Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-12-13

    ... Office of the Secretary Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan... of Agriculture system of records notice titled, ``Veterinary Medicine Loan Repayment Program Records... select applicants for the Veterinary Medicine Loan Repayment Program (VMLRP); (2) monitor loan...

  5. 76 FR 31299 - Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2011-05-31

    ... National Institute of Food and Agriculture Request for Applications for the Veterinary Medicine Loan... National Institute of Food and Agriculture (NIFA) is announcing the release of the Veterinary Medicine Loan... 2011 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made available...

  6. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

    ...-AA43 Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program... stakeholder input. SUMMARY: The National Institute of Food and Agriculture (NIFA) is soliciting stakeholder... the stakeholder input process, NIFA is inviting comments regarding the current procedures...

  7. ANALYSIS OF INFLUENCE OF FINANCIAL SOCIAL LEARNING OPPORTUNITIES ON LOAN REPAYMENT BEHAVIOUR OF COOPERATOR BORROWERS IN ABIA STATE, NIGERIA

    Directory of Open Access Journals (Sweden)

    Christopher Ogbonna EMEROLE

    2014-12-01

    Full Text Available This study on analysis of influence of financial social learning opportunities on loan repayment behavior of cooperator borrowers was carried out in Abia State, Nigeria. It was the objectives of the study to relate social learning financial opportunities in cooperative societies and member borrowers budgeting and timely repayment of loans; and determine demographic, social learning and financial factors that influenced loan repayment by cooperator borrowers. Two-stage random sampling technique was used in selecting first, two of the three agricultural zones; and second two registered farmers’ multi-purpose agricultural cooperative societies. This was followed by purposive selection from registers of the chosen cooperative societies sixty cooperators who currently were repaying loans borrowed. Descriptive and inferential statistical techniques were used in analyzing the gathered cross sectional data. Results suggest important relationships between financial social learning opportunities in cooperative societies and borrowers’ budgeting and timely loan repayment behaviours. Attendance to meetings, discussions with fellow cooperators and meaningful observation on financial behaviour of members of cooperative societies had significant positive influences on conduct and performance loan beneficiaries. The number of times beneficiaries attended meeting since after loan(s were received; number of times they discussed loan matters with members before loan(s were received; and number of times they discussed loan repayment strategies with other cooperators after loans were received had positive influences on loan repayment behaviour of cooperator borrowers. Cooperator(s should participate in all union activities to truly belong and reap the benefits of being a member

  8. Survey and Thought on Graduates’ Repayment Awareness of Student Loan in Agricultural Universities and Colleges

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    To find out graduates’ repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank’s student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students’ personal credit;establish student information management mechanism;standardize banks’ payment reminder administration behavior;and perfect national student loan system.

  9. Dynamic repayment of mortgage loans: A solution for the low-income sector?

    Directory of Open Access Journals (Sweden)

    W.R. Gevers

    2003-12-01

    Full Text Available By using a dynamic instalment repayment plan to finance a mortgage loan rather than the usual fixed instalment financing, the threshold at which a prospective homeowner may enter the housing market may be lowered substantially. In this paper this method of financing will be evaluated to determine under which circumstances it could be used to help the low-income group to obtain housing, and also to highlight some of its deficiencies. Historic trends of income are also analysed to determine the income growth potential of the low-income sector. The income growth potential does not seem to distract from the potential of the dynamic repayment of mortgage loans.

  10. 78 FR 23742 - Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment...

    Science.gov (United States)

    2013-04-22

    ... National Institute of Food and Agriculture Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA... Act of 1995, invites the general public to comment on an information collection for the...

  11. Entrepreneurial and business skills and loan repayment rates of microfinance clients in Ghana

    NARCIS (Netherlands)

    Agbeko, Daniel; Block, Vincent; Omta, Onno; Velde, van der G.

    2016-01-01

    Entrepreneurial and business skills are generally considered key to microbusiness success, hence to Microfinance Institution (MFI) clients’ loan repayment as well. However, empirical evidence is largely lacking, and where present, it is inconclusive on the importance of these skills for microfinance

  12. 78 FR 25417 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2013-05-01

    ... National Institute of Food and Agriculture Notice of Request for Applications for the Veterinary Medicine...: The fiscal year (FY) 2013 Veterinary Medicine Loan Repayment Program (VMLRP) application package is..., Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary Medicine...

  13. 42 CFR 62.54 - What must applications for the State Loan Repayment Program contain?

    Science.gov (United States)

    2010-10-01

    ... accessibility of health care services in the State as measured by poverty levels, the percentage of the service... 42 Public Health 1 2010-10-01 2010-10-01 false What must applications for the State Loan Repayment Program contain? 62.54 Section 62.54 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND...

  14. 7 CFR 1703.309 - Terms of repayment of deferred loan payments.

    Science.gov (United States)

    2010-01-01

    ... deferment payment required. (e) The balance in a borrower's cushion of credit account shall not be reduced by the borrower below the level of the unpaid balance of the payment deferred. ... 7 Agriculture 11 2010-01-01 2010-01-01 false Terms of repayment of deferred loan payments. 1703...

  15. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Science.gov (United States)

    2010-10-01

    ... migrant health center, a community health center, a nursing facility, a rural health clinic, or in a... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment of loans for service in a shortage area. 57.312 Section 57.312 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN...

  16. 77 FR 67330 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2012-11-09

    ... the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and... and Agriculture (NIFA) is soliciting stakeholder input on the administration of the Veterinary... Research, Extension, and Teaching Policy Act of 1977 (7 U.S.C. 3151a). The purpose of this program is for...

  17. Determinants of Repayment of Loan Beneficiaries of Micro Finance Institutions in Southeast States of Nigeria

    Directory of Open Access Journals (Sweden)

    Eugene Chukwuemeka Okorji

    2012-09-01

    Full Text Available The study investigated the loan repayment, its determinantsand socio-economic characteristics of microfinance loanbeneficiaries in the Southeast states of Nigeria. It was carriedout in three states of the five southeast states. Using a multistagesampling technique, a total of 144 loan beneficiaries in thethree segments of MFIs, namely; formal (commercial and developmentbanks; semi-formal (NGOs-MFIs and informal(ROSCAS, “Isusu” and co-operative societies were randomlyselected and interviewed in the three states. An ordinary leastsquare (OLS multiple regression analysis was carried out toisolate and examine the determinants of loan repayment fromthe respondents’ perspective. Results showed that beneficiarieshad low level of education, operated enterprises at a relativelysmall scale, had large family size and were of middle age.Further, it was found out that the majority of the respondentswere involved in farming enterprise (crop and poultry eventhough trading was the most prominent single non-farmingenterprise (trading, processing and artisanship. The result affirmedthat the informal sector respondents recorded the bestrepayment rate, followed by the respondents of semi-formaland the banks brought the rear. Outstanding among the determinantsof loan repayments from the respondents’ perspectivewere; loan size, level of education, experience, profitabilityand portfolio diversity. These, therefore deserve special attentionin loan administration of MFIs.

  18. Service-linked scholarships, loans, and loan repayment programs for nurses in the southeast.

    Science.gov (United States)

    Thaker, Samir I; Pathman, Donald E; Mark, Barbara A; Ricketts, Thomas C

    2008-01-01

    A variety of public and private programs provide financial support for the costs of nurses' training in exchange for service commitments to work in rural, underserved, and other needy areas. Little is known about the number, size, and operations of these support-for-service programs for nurses. We identified and in this article describe such programs in eight southeastern states. Eligible programs were those that in 2004 paid for all or a portion of nurses' education costs in exchange for a period of clinical nursing service within one or more of the eight targeted states. Programs obligating nurses to a specific hospital, practice, or community or to teaching roles were excluded. Programs were identified through available compendia, online searches, and telephone contacts with program directors, nursing school administrators, and state officials. Additional data on eligible programs were gathered through telephone interviews and questionnaires mailed to program staff and from publicly available documents. Data were double coded, and qualitative and quantitative analyses were conducted. Twenty-four nursing support-for-service programs met our eligibility criteria in the eight-state region: nine scholarship programs; six loan repayment programs; five service-cancelable loan programs; two loan interest rate reduction programs; and two direct incentive programs. These programs had fiscal year 2004 budgets totaling approximately $28.8-31.8 million; collectively, they received approximately 11,700 applications from nurses, signed approximately 8,300 contracts, and had a combined field strength of approximately 4,900 nurses working to fulfill their program obligations. Individual states offered between zero and five eligible programs each. Support-for-service programs are a substantial component of federal and state nursing workforce distribution efforts in the Southeast. Future research should identify and describe these programs for other regions, measure outcomes, and

  19. Do student loans delay marriage? Debt repayment and family formation in young adulthood

    Directory of Open Access Journals (Sweden)

    Robert Bozick

    2014-06-01

    Full Text Available Background: With increasing levels of student loan debt, the path to economic stability may be less smooth than it was for earlier generations of college graduates. This paper explores this emerging trend by assessing whether or not student loan debt influences family formation. Objective: The objective of this study is to examine whether student loan debt delays marriage in young adulthood, whether or not the relationship between student loan debt and marriage differs for women and for men, and if this relationship attenuates during the years immediately after college graduation. Methods: We estimate a series of discrete-time hazard regression models predicting the odds of first marriage as a function of time-varying student loan debt balance, using a nationally representative sample of bachelor's degree recipients from the 1993 Baccalaureate and Beyond Longitudinal Study (N = 9,410. Results: We find that the dynamics of loan repayment are related to marriage timing for women, but not for men. Specifically, an increase of $1,000 in student loan debt is associated with a reduction in the odds of first marriage by two percent a month among female bachelor degree recipients during the first four years after college graduation. This relationship attenuates over time. Conclusions: Our study lends support to the proposition that the financial weight of monthly loan repayments impedes family formation in the years immediately following college graduation -- however, only for women. This finding questions traditional models of gender specialization in family formation that emphasize the economic resources of men.

  20. Performance of Loan Repayment Determinants in Ethiopian Micro Finance - An Analysis

    Directory of Open Access Journals (Sweden)

    Shaik Abdul Majeeb PASHA

    2014-05-01

    Full Text Available Micro finance involves the provision of micro-credit, savings, and other services to the poor that are excluded by the commercial banks for collateral and other reasons. Microfinance is relatively new to Ethiopia and came to existence during 1994-95. Out of which Sidama Micro Finance Institution (SMFI is one among 31Micro Finance Institutions (MFIs to serve needy people in Ethiopia. Based on this researchers’ intended to study major socio- economic factors and loan related factors that determines loan repayment performance of borrowers in SMFI. In fact, the identifying and analyzing such determining factors of loan repayment rate is vital in the achievement of profitability and sustainability of MFIs. In this connection, researchers’ collected data from primary and secondary resources and analyzed by using Binary logistic model is used. Through the study 14 determinants’ are selected for evaluation, out of which 9 variables are significant and remaining insignificant are found. Based on the analysis, researchers are recommended that proper training should be provided, reasonable amount of loan which should be useful to their business. Further, more age people and well business experience people can able to repay their loan amount` timely to micro finance institution.

  1. Implementations of the Best Practices in Repayment, the Way to Improve Collections of the Due Students' Loans in Tanzania

    Science.gov (United States)

    Nyahende, Veronica R.

    2016-01-01

    This study was designed to investigate the influence of the implementation of the best practices in repayment in the pre college preparation, in the in college period and in the after college period (the grace period and repayment) in increasing collections of the due students' loans. The study was geared towards achieving the following…

  2. 34 CFR 682.209 - Repayment of a loan.

    Science.gov (United States)

    2010-07-01

    .... (3) The lender may not charge an additional insurance premium or Federal default fee on the loan, but... refinancing lender may charge the borrower an insurance premium on a loan made under paragraph (f)(1) of this... certify to the matters described in that paragraph, provide the requesting lender and the guarantor on...

  3. States' Experiences with Loan Repayment Programs for Health Care Professionals in a Time of State Budget Cuts and NHSC Expansion

    Science.gov (United States)

    Pathman, Donald E.; Morgan, Jennifer Craft; Konrad, Thomas R.; Goldberg, Lynda

    2012-01-01

    Purpose: The landscape of education loan repayment programs for health care professionals has been turbulent in recent years, with doubling of the funding for the National Health Service Corps (NHSC) and cuts in funding for some states' programs. We sought to understand how this turbulence is being felt within the state offices involved in…

  4. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Science.gov (United States)

    2010-10-01

    ..., adjusted annually for changes in the Consumer Price Index, and adjusted by the Secretary for use in this... undertakes to repay educational loans under section 722(k) of the Act, he or she will use the...

  5. 78 FR 63464 - William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public...

    Science.gov (United States)

    2013-10-24

    ...On October 3, 2013 the U.S. Department of Education published a 30-day comment period notice in the Federal Register (Page 61347, Column 2) seeking public comment for an information collection entitled, ``William D. Ford Federal Direct Loan Program Repayment Plan Selection Form''. ED is extending the comment period to November 18, 2013 due to the public's inability to access the collection at......

  6. Mode of Repayment for Student Loan Based on Sinking Fund%基于偿债基金的助学贷款偿还模式

    Institute of Scientific and Technical Information of China (English)

    周明法; 吴琼; 王金亮

    2014-01-01

    The traditional repayment methods of students ’ loan are still applied nowadays by Chinese Government, namely, the method of equal repayment in each term of the partial sum of the principal and interest, and the method of equal repayment in each term of the partial amount of loan principal itself. The borrowers have the greatest pressure at the very time when they begin to repay, since the burden rates reduce gradually in both cases. There is no flexibility in that the borrowers have to pay each term a fixed amount of money.This paper introduces a new method of establishing a repayment fund and analyze it ’s the merits and defects. Furthermore, it also discuss the modes of equal repayment in each of the partial sum of the principal plus interest, equal repayment in each term of the partial amount of loan principal itself, and increasing repay-ment with a fixed ratio, which are all based on the repayment fund. The first two modes mentioned above can offer more flexibility for both the creditors and debtors, since the banks can encourage the action of saving and earlier repayment of the loan by the rising deposit interest rate of the fund, thus it can enhance the bank ’s control of situations and can lower the violation rate of the loan repayment. Moreover, they go seamless well with the current policy and have very strong operability, because only a repayment fund is needed for every borrower. Theoretical analyses reveal that the concrete increasing rate burden repayment method has extra advantages in giving the debt-or the right of choosing the burden rate to balance the repayment burden according to the ability of the borrowers, which can arrive at a desirable situation with a low repayment burden at period-beginning and high one at the period-ending. Therefore, the violation rate of the loan can be lowered obviously by changing the repayment mode ruled by the banks. As a result, the method of increasing burden rate based on repayment fund is suitable for

  7. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15 Qualifying loans. (a) General. Loan repayments provided...

  8. Repayment of Short Term Loans in the Formal Credit Market: The Role of Accessibility to Credit from InformalSources

    OpenAIRE

    Manojit Bhattacharjee; Meenakshi Rajeev

    2012-01-01

    This paper is an attempt to link the problem of non-repayment in the formal credit market with the accessibility to credit from informal sources. In many developing countries a well established network of informal lenders continues to prevail in spite of various formal lending programmes implemented by the government. Scholars often dealt with how the poorer households become the victim of usurious rates of interest charged by informal lenders and lose their valuable properties. We however sh...

  9. Financially At-Risk College Students: An Exploratory Investigation of Student Loan Debt and Prioritization of Debt Repayment

    Science.gov (United States)

    Pinto, Mary Beth; Mansfield, Phylis M.

    2006-01-01

    College students today face heavy student loan debt that is intensified by the amount of credit card debt they carry. This study provides a profile of financially at-risk students based on their credit card usage behavior. When compared to the non-financially at-risk students, those in the financially at-risk group were found to have higher…

  10. THE ACCOUNTING OF THE PLEDGED ASSETS PASSED TO THE LICENSED BANKS FROM THE REPUBLIC OF MOLDOVA FOR THE REPAYMENT OF THE GRANTED LOAN

    Directory of Open Access Journals (Sweden)

    Tatiana ŞEVCIUC

    2014-06-01

    Full Text Available In banking practice the pledge plays an important role, it is often used to denote the pledge agreement, as well asthe real right that is the result of the pledge agreement conclusion and the good that is the object of the pledge. Thepledge is the only real security interest in the range of bank guarantees. Actually, each obligation can beguaranteed by the pledging. Assets diversification and trade needs have led to the development of a new pledgeform. Anyway, regardless of the number and content of the economic material, the licensed banks from the Republicof Moldova attach importance to the correctness of pledge accounting taking into account the deadline. Thus, thisresearch aims to present the accounting of the pledged assets passed to the licensed banks from the Republic ofMoldova for the repayment of the granted loan, taking into account the enforcement of the obligation secured by thepledge deadline, the right to possession of the pledged asset and not the least of its value. In the research there wasmainly used the method of monographic study applying elements of observation, selection, induction and deduction.

  11. 34 CFR 685.211 - Miscellaneous repayment provisions.

    Science.gov (United States)

    2010-07-01

    ... Consolidation Loan, or a student Direct PLUS Loan, the Secretary may designate the income contingent repayment... Secretary's knowledge, the borrower (or the student on whose behalf a parent borrowed) provided false or...

  12. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a... basis that assures repayment. (f) This section shall not apply to loans described in 11 CFR 100.83...

  13. 以PPP模式运作的银行贷款还款来源分析%Source analysis of the bank loan repayment in the operation of PPP model

    Institute of Scientific and Technical Information of China (English)

    张明

    2015-01-01

    Local government debt management standards,PPP mode(the government and social capital cooperation mode)will become an important channel for the transformation of local government functions,will also change the local government of the original financing model,PPP project loans will become focus of commercial banks further wrestling,expand their business at the same time,the commercial banks are also not neglect asset quality requirements. Around the PPP project loan repayment sources,respectively from the first repayment and the second source of repayment of PPP project loans in the process of the core elements of the analysis,to ensure the quality and safety of credit assets,and promote the healthy operation of PPP project,to alleviate the pressure on local government debt.%地方政府债务规范性管理后,PPP模式(政府与社会资本合作模式)将成为地方政府职能转型的重要渠道,也将改变地方政府原有的融资模式,PPP项目贷款将成为各家商业银行进一步角力的重点,在业务拓展的同时,商业银行同样不能忽视对资产质量的要求. 围绕PPP项目贷款还款来源,分别从第一还款和第二还款来源出发,分析PPP项目贷款过程中的核心要点,确保信贷资产质量安全,推进PPP项目健康运营,缓解地方政府债务压力.

  14. 对银行贷款中“借新还旧”所涉及相关问题的研究%On"Making New Bank Loans for Repaying the Old" Involved Related Problems

    Institute of Scientific and Technical Information of China (English)

    刘永淳

    2012-01-01

    "借新还旧"是近年来商业银行信贷业务中经常采用的一种操作形式,这种方式有利于商业银行顺利完成收贷任务,克服诉讼时效的法律限制,进一步明确了债权债务关系,有效弱化了即期贷款风险。在存在种种优点的同时,"借新还旧"在一定程度上对信用产生了负面影响,进一步弱化了企业的信用观念,掩盖了资产质量的真实状况,推迟了信贷风险的暴露时间,隐含着相当的法律风险。本文通过对"借新还旧"业务操作中出现的法律及风险问题的探讨,提出了防范"借新还旧"业务风险的一些具体建议。%In recent years, "making new loans for repaying the old" has been a frequently used operation form in commercial bank credit business. This way is advantageous to successfully complete the task of recovering loans and overcome the action limitation of legal restrictions for the cotnmercial bank, which further clarifies the relationship between creditor and debtor and weakens demand loan risk effectively. But meanwhile, to a certain extent, "making new loans for repaying the old" has a r, egative impact on the credit, such as further weakening the enterprise credit concept, hiding the true state of the assets quality, deferring credit risk exposure specific suggestions on guardin time, implying considerable legal risk. This article puts forward to some g against "making new loans for repaying the old" business risks through the discussion on the emerging legal and risk problems of its operations.

  15. Direct PLUS Loan Basics: Parent Loans for Students. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC.

    The Direct PLUS Loan is one of the low-interest loans provided by the William D. Ford Federal Direct Loan Program. The U.S. Department of Education delivers loan proceeds through the student's school, and parents are responsible for repaying the Department. This booklet answers parents' questions about the loan program, including: (1) Am I…

  16. 7 CFR 4279.126 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4279.126 Section 4279.126 Agriculture... Loan terms. (a) The maximum repayment for loans on real estate will not exceed 30 years; machinery and... or 15 years, whichever is less; and working capital repayment will not exceed 7 years. The term for...

  17. On Optimization of Schooling Loaning,Repayment Mechanisms for Helping Poor College Students in China%我国大学生助学贷款还款机制优化的研究

    Institute of Scientific and Technical Information of China (English)

    裴智民

    2014-01-01

    National student loan is a kind of bank loan operated by the bank,the administrative departments of ed-ucation and students whose families are poor and in need of help.This policy has helped many poor college students in China since 1999 .However,because of various reasons,the loan risk has also emerged.Part of the students had defaulted on their loans and rejected debt after graduation.This phenomenon has led to the bank′s credit crunch,rejection.To ensure that students loan has an effective operation mechanism,we must rely on the cooperation among the government,banks,colleges,students,parents and employers,so as to optimize student loaning and repayment mechanisms and provide good economic guarantee for cultivating talents.%国家助学贷款是由银行、教育行政部门与学生共同操作的专门帮助贫困家庭学生的银行贷款。1999年我国大学生助学贷款政策实施以来,助推许多家庭经济困难的学生完成了学业。但由于种种原因,部分大学生毕业以后拖欠贷款甚至逃债,导致了银行惜贷、拒贷等现象。要保证大学生助学贷款还款机制的有效运行,有赖于政府、银行、高校、学生、家长和用人单位等多方面的协同配合,进一步完善和健全大学生助学贷款还款机制,方能为国家培养优秀人才提供良好的经济保障。

  18. 34 CFR 674.33 - Repayment.

    Science.gov (United States)

    2010-07-01

    ... in proportion to the amount of principal advanced by each institution. (3) Minimum monthly repayment... teachout at another school as defined in 34 CFR 602.2 and administered in accordance with 34 CFR 602.207(b... discharged) that the borrower may have by contract or applicable law with respect to the loan or...

  19. The Investigations on the Current Status of Enterprises’and Individual Evasion of Repayment of Bank Loans in Zhenjiang City and Some Reflections---A Case of A City of Jiangsu Province%对当前镇江市企业及个人逃废银行债务的调查与思考--以江苏省某市为例

    Institute of Scientific and Technical Information of China (English)

    侯瑞

    2016-01-01

    受宏观经济下行压力加大、企业资产负债率上升、局部地区金融生态环境恶化等多因素影响,2014年以来某市企业及个人逃废银行债务的事件屡有发生,严重损害了商业银行等相关方的利益。本文对江苏省某市辖内企业及个人逃废银行债务的情况进行了调查,总结分析了企业及个人逃废银行债务的原因,介绍了银行防范企业逃废债务、加强内部风险管控的主要举措,并就当前企业及个人逃废银行债务事件中值得关注的问题提出了政策建议。%Affected by the increase of the downward pressure of the macro-economy, the rise of the ratio of liabilities to assets of enterprises, the deterioration of the financial ecological environment of local regions and other factors, events like enterprises’and in-dividual evasion of repayment of bank loans in one city since 2014 have occurred frequently, seriously injuring the benefits of stake-holders such as commercial banks. The paper investigates enterprises’ and individual evasion of repayment of bank loans in one city of Jiangsu province, summarizes the causes, introduces the major measures on preventing enterprises’ and individual evasion of re-payment of bank loans and strengthening the internal risk control, and puts forward policy suggestions on issues worthy of attention in current events of enterprises’and individual evasion of repayment of bank loans.

  20. Discussion on Promoting the Normal Repayment Behavior of Loans Students:Tips of the 9-year 0 Malicious Loan Defaults%促进大学生正常履行贷款合同的实践探讨--连续九年零恶意贷款违约率的心得体会

    Institute of Scientific and Technical Information of China (English)

    张秒高; 黄晓清

    2016-01-01

    At present, the national student loan defaults occasionally happen, that cause adverse impact on the major measures of the student financial aid. Therefore, the performance of contract is an important content of the loan. Based on the practice of 0 malicious loan defaults in recent 9 years, the author continuously demonstrates the cycle of practice-summary-practice and puts forward a set of effective loan work management mechanism. Specific contents as follows: ① Pay special attention to the data verification and feedback before the loan and protect students' privacy and self-esteem. ② Do a good job of the interpretation during the loan and the reimbursement pep rally after the loan to inspire the student to perform the contract payments consciousness. ③ Promote the mental health and growth of the loans students to improve the repayment ability of the contract. ④ Promote the employment of the loans students to promote reimbursement practices. Many links are closely linkaged to jointly promote the normal repayment behavior of loans students so as to form the benign atmosphere and circulation pattern of the reimbursement and guarantee 0 malicious defaults.%当前国家助学贷款违约现象时有发生,对于该助学助困的重大措施造成了不良的影响。因此,保证合同履行就成了贷款重要内容。笔者根据连续9年0恶意贷款违约率的实践,持续进行实践-理论总结-实践的循环论证,提出了一套有效的贷款工作管理机制。具体内容如下:①亲力抓好贷款的贷前资料审核和反馈,保护好学生的隐私和自尊心;②做好贷中合同解读和贷后还款动员会,启发学生履行合同的还款意识;③促进贷款学生的心理健康和成长成才,提高履行合同的还款能力;④促进贷款学生的就业,以就业促进还款实践。多环节紧扣联动,共同促进了贷款学生的正常还款行为,从而形成了良性的还款

  1. 42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis...

  2. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Science.gov (United States)

    2010-07-01

    ... students at the institution enter repayment on a loan received for attendance at the institution, the... loan received for attendance at the institution, the “cohort default rate” means the percentage of those current and former students who entered repayment on loans received for attendance at that...

  3. 7 CFR 4274.320 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4274.320 Section 4274.320 Agriculture... (IRP) § 4274.320 Loan terms. (a) No loan to an intermediary shall be extended for a period exceeding 30... revolving fund will be scheduled for repayment over a term negotiated by the intermediary and...

  4. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed... equal to the rate on Treasury securities of a similar term. In general, the financial...

  5. 7 CFR 1735.43 - Payments on loans.

    Science.gov (United States)

    2010-01-01

    ... depreciation rates published by RUS for all borrowers (see 7 CFR 1737.70). Borrowers may request a repayment... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Terms of Loans... economic life shall be based on the depreciation rates for the facilities financed by the loan. In...

  6. 75 FR 63143 - Solicitation of Input From Stakeholders Regarding Administration of the Veterinary Medicine Loan...

    Science.gov (United States)

    2010-10-14

    ... Administration of the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and... Veterinary Medicine Loan Repayment Program (VMLRP) authorized under section 1415A of the National..., veterinary services in veterinarian shortage situations. As part of the stakeholder input process, NIFA is...

  7. Repayment flexibility can reduce financial stress: a randomized control trial with microfinance clients in India.

    Science.gov (United States)

    Field, Erica; Pande, Rohini; Papp, John; Park, Y Jeanette

    2012-01-01

    Financial stress is widely believed to cause health problems. However, policies seeking to relieve financial stress by limiting debt levels of poor households may directly worsen their economic well-being. We evaluate an alternative policy - increasing the repayment flexibility of debt contracts. A field experiment randomly assigned microfinance clients to a monthly or a traditional weekly installment schedule (N=200). We used cell phones to gather survey data on income, expenditure, and financial stress every 48 hours over seven weeks. Clients repaying monthly were 51 percent less likely to report feeling "worried, tense, or anxious" about repaying, were 54 percent more likely to report feeling confident about repaying, and reported spending less time thinking about their loan compared to weekly clients. Monthly clients also reported higher business investment and income, suggesting that the flexibility encouraged them to invest their loans more profitably, which ultimately reduced financial stress.

  8. Repayment flexibility can reduce financial stress: a randomized control trial with microfinance clients in India.

    Directory of Open Access Journals (Sweden)

    Erica Field

    Full Text Available Financial stress is widely believed to cause health problems. However, policies seeking to relieve financial stress by limiting debt levels of poor households may directly worsen their economic well-being. We evaluate an alternative policy - increasing the repayment flexibility of debt contracts. A field experiment randomly assigned microfinance clients to a monthly or a traditional weekly installment schedule (N=200. We used cell phones to gather survey data on income, expenditure, and financial stress every 48 hours over seven weeks. Clients repaying monthly were 51 percent less likely to report feeling "worried, tense, or anxious" about repaying, were 54 percent more likely to report feeling confident about repaying, and reported spending less time thinking about their loan compared to weekly clients. Monthly clients also reported higher business investment and income, suggesting that the flexibility encouraged them to invest their loans more profitably, which ultimately reduced financial stress.

  9. 42 CFR 505.7 - Terms of the loan.

    Science.gov (United States)

    2010-10-01

    ... promissory note, loan agreement, or a form approved by CMS and accompanied by any other documents CMS may... deferred for 60 months beginning with the day of award notification from CMS. The loan repayment period is 20 years. (c) Bankruptcy protection. In the event a loan recipient files for bankruptcy protection...

  10. 31 CFR 560.317 - Credits or loans.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credits or loans. 560.317 Section 560... § 560.317 Credits or loans. The term credits or loans means any transfer or extension of funds or credit... to repay an extension of funds or credit, including but not limited to: overdrafts; currency swaps...

  11. 76 FR 75427 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2011-12-02

    ...; (6) Obtain from the buyer a current balance sheet, income statement, cash flow budget, and any... direct and guaranteed loans as required by the Food, Conservation, and Energy Act of 2008 (the 2008 Farm..., buyers with an Agency approved repayment plan under this section will supply the Agency a current...

  12. Income contingent loans in higher education financing

    OpenAIRE

    Chapman, Bruce

    2016-01-01

    Around nine countries currently use a national income contingent loan (ICL) scheme for higher education tuition using the income tax system. Increased international interest in ICL validates an examination of its costs and benefits relative to the traditional financing system, government-guaranteed bank loans (GGBLs). Bank-type loans exhibit poor economic characteristics: namely, repayment hardships for the disadvantaged, and default. This damages credit reputations and can be associated with...

  13. 77 FR 30266 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2012; William D. Ford...

    Science.gov (United States)

    2012-05-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2012; William D. Ford Federal... the ICR plan formula for 2012. Under the William D. Ford Federal Direct Loan (Direct Loan)...

  14. 77 FR 20796 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2011; William D. Ford...

    Science.gov (United States)

    2012-04-06

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2011; William D. Ford Federal... the ICR plan formula for 2011. Under the William D. Ford Federal Direct Loan (Direct Loan)...

  15. Student Loan Reform, Interest Subsidies and Costly Technicalities: Lessons from the UK Experience

    Science.gov (United States)

    Johnston, Alison; Barr, Nicholas

    2013-01-01

    In this paper, we consider lessons for other countries about the design of student loans with income-contingent repayments (i.e. repayments calculated as "x" per cent of each borrower's subsequent income). Using a dataset of 20,000 simulated lifetime graduate earnings paths, we estimate the cost and distributional effects of reforms in…

  16. Student Loan Reform, Interest Subsidies and Costly Technicalities: Lessons from the UK Experience

    Science.gov (United States)

    Johnston, Alison; Barr, Nicholas

    2013-01-01

    In this paper, we consider lessons for other countries about the design of student loans with income-contingent repayments (i.e. repayments calculated as "x" per cent of each borrower's subsequent income). Using a dataset of 20,000 simulated lifetime graduate earnings paths, we estimate the cost and distributional effects of reforms…

  17. 7 CFR 1951.230 - Transfer of security and assumption of loans.

    Science.gov (United States)

    2010-01-01

    ... 103-354 program in the area. (3) Transfers to eligible applicants will receive preference over... changed, the new repayment period may not exceed the lesser of the repayment period for a new loan of the..., Federal Collection Policies for Consumer or Commercial Debts,” with the applicant, and the form must...

  18. 76 FR 5131 - Solicitation of Nomination of Veterinary Shortage Situations for the Veterinary Medicine Loan...

    Science.gov (United States)

    2011-01-28

    ... National Institute of Food and Agriculture Solicitation of Nomination of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and... and Agriculture (NIFA) is soliciting nominations for veterinary service shortage situations for...

  19. 76 FR 80878 - Solicitation of Veterinary Shortage Situation Nominations for the Veterinary Medicine Loan...

    Science.gov (United States)

    2011-12-27

    ... National Institute of Food and Agriculture Solicitation of Veterinary Shortage Situation Nominations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and... and Agriculture (NIFA) is soliciting nominations of veterinary service shortage situations for...

  20. Gender Issues in Microfinance and Repayment Performance: The Case of a Nicaraguan Microfinance Institution

    Directory of Open Access Journals (Sweden)

    Jimmy A. Saravia-Matus

    2012-04-01

    Full Text Available Conventional wisdom and increasing empirical evidence in microfinance hold that women are better risks than men. In the present work, a logit model ontrolling for a range of borrower and loan characteristics was carried out to assess the validity of this statement by comparing repayment rates. The study includes a sample of loans disbursed by a Nicaraguan microfinance institution during the years 2003-2004, a period characterized by high oil prices. A dichotomous dependent variable is created,taking the value of 1 if the credit turned out to be of the best quality i.e. an “A” credit by Nicaraguan regulations, and 0 otherwise. The dependent variable is regressed on variables summarizing the characteristics of the borrower and the loan to investigate the impact of gender on repayment performance. The results provide significant evidence that female client’s repayment performance is in fact better than that of male’s at the conventional levels of statistical significance. However, the results also show that the perceived difference in gender risk is lower than what popular wisdom would suggest when borrower characteristics and other exogenous economic variables are taken into account. With the present sample, we conclude that other characteristics of the borrower as well as changes in the economic environment can have a similar or larger impact on risk than gender when it comes to repayment performance.

  1. University Extra-Mural Studies and Extension Outreach: Incompatibilities

    Science.gov (United States)

    Rogers, Alan

    2014-01-01

    The argument of this paper is that--within a wide range of university responses to the challenge of outreach--there grew up in the extra-mural or adult education departments of many UK universities an alternative epistemological paradigm to the older and more traditional extension programmes. This paradigm threatened the extension approach and has…

  2. Determinants of Households’ Overdue Loans in Romania

    Directory of Open Access Journals (Sweden)

    Adrian CODIRLASU

    2011-01-01

    Full Text Available The paper’s target is to identify macroeconomic and financial variables that are relevant for the evolution and forecassting of the household’s overdue loans in Romania. By employing vector autoregression and systems of ecuations using the SUR methodology, the authors are trying to respond to the following questions: (1 Which are the lags and the individual intensities of the macroeconomic relevant indicators when affecting the household overdue loans rate?; (2 What are the characteristics of the loans reimbursement behavior in case of shocks on the labor, monetary, goods and services markets? The empirical analysis is based on monthly data which allows for assessing the quality of household loan repayment, both in terms of number of overdue loans and in terms of overdue loan volumes. The relevant explanatory variables were used in various configurations and lags for constructing several macroeconomic credit risk models.

  3. Deferred Cost Recovery for Higher Education: Student Loan Programs in Developing Countries. World Bank Discussion Papers, No. 137.

    Science.gov (United States)

    Albrecht, Douglas; Ziderman, Adrian

    This study analyzes the experience of existing higher education student loan programs in developing countries in order to understand their role in fostering cost recovery. Detailed financial analyses of 24 loan programs shows that present value of the repayments collected constitutes a small percentage of the loan value disbursed. In general,…

  4. ANALYSIS OF MODELS OF EARLY DEBT REPAYMENT IN THE Generalized CREDIT TRANSACTIONS

    Directory of Open Access Journals (Sweden)

    2016-01-01

    Full Text Available This paper analyzes the patterns of early repayment in multi-period credit transactions. Considered one of the most common ways of conversion of unpaid interest for early repayment, so-called 78 rule. The relationship of this rule with the linear approximation of the exact value; redeemable debt is determined. The analysis of the maximum excess payment of interest on 78 rule. It has been shown how interest payment on 78 rule depended on the time of early repayment. Early repayment of debt is an agreement under which the borrower pays to the lender amount of money equal to the current balance (as of loan account. Then further regular payments cease and the contract terminates. However, the amount of outstanding debt is determined by the structure of prescription charges. So in the uniform schemes of repayment of consumer credit each payment contains the same part of principal amounts and the total interest. In case of early repayment the Bank loses a significant fraction of the expected interest payments. Therefore, in practice, often used so-called accelerated schemes of interest payments. One of them is 78 rule. Use the 78 rule is simple and straightforward. The name of the rule is due to the fact that the sum of the numbers 12 monthly payments is 78. In the schemes of consumer loan with a term of one year interest payment for the current month is equal to m/78 of the total amount of interest payments, where m is the number of remaining payments. The rule name is stored and in the more general case with an arbitrary number of payments. In general interest payment is determined by the relative weight of the total amount of interest in each payment. In uniform schemes it is constant. In accelerated with a particular speed decreases. Therefore, additional cash expenses by the 78 rule may be considered as additional penalties for early repayment of the debt. It this article is shown how this penalty depends on time before maturity. It is shown that

  5. 78 FR 33395 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2013-William D. Ford...

    Science.gov (United States)

    2013-06-04

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2013--William D. Ford Federal...- 800-877-8339. SUPPLEMENTARY INFORMATION: Under the William D. Ford Federal Direct Loan (Direct...

  6. Prioritization of Factors Affecting the Delay or Inability to Repay Bank Facilities to Farmers

    Directory of Open Access Journals (Sweden)

    B. Maadanian

    2016-03-01

    Full Text Available Introduction: The role of credits in agricultural development is very important, especially after implementing land reform and converting subjects to a large class of small owners, the demand has been intensified. Seasonality of agricultural productions usually creates temporary vacuum among farmers payments and receipts, thus farmers need to save their previous incomes or seek financial help out of the sector in order to pay current expenses and investments in agriculture sector. Due to farmers low income, the saving possibility is low and therefore farmers are not in a situation that they can invest in agriculture sector from their savings or to purchase required inputs Materials and Methods: The aim of this study was to prioritize the factors affecting the delay and lack in repaying loans, therefore at first it should identify the payment factors. This means that one should find what factors are affecting the lack or delay in repayment of loans granted to farmers. So the factors affecting the delay or failure to repay the loans were identified by using the Delphi method and then prioritizing the factors will be discussed with regard to experts perspectives by using the analytical network process model. Analytical network process (ANP is one of the most efficient techniques for decision making with multiple criteria that it was proposed by Thomas Almaty for the first time in 1982 and as the developed form of AHP method. In cases where lower levels affect the upper levels or elements in a same level are not independent of each other, AHP method cannot be used. ANP technique is a more general form of AHP, but it does not require the hierarchical structure and therefore it show more complex relationships between different levels of decision in network form and it considers the interactions and feedbacks between criteria and alternatives. In fact the main objective of this process is to determine the overall impact of all factors in the face

  7. Performance of the Higher Education Students Loans Board in Human Capital Investment from 2005-2015

    Science.gov (United States)

    Memba, Albert Zephaniah; Feng, Zhao Zun

    2016-01-01

    Many studies conducted on the Higher Education Students Loans Board (HESLB) have mostly concentrated on its success, sustainability and effectiveness on loans issuance and repayment. None had focused on its performance towards human capital investment. This study sought to explain and analyze HESLB's performance in human capital investment, which…

  8. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of...

  9. As Loan Servicers Multiply, So Do Problems for Students, College Officials Say

    Science.gov (United States)

    Stratford, Michael

    2012-01-01

    When students or recent graduates come to talk with Anthony M. Sozzo, an associate dean for student affairs at New York Medical College, about repaying their federal loans, he sometimes struggles with what to tell them. He states that the answers are increasingly being complicated by an ever-expanding federal loan-servicing system. The number of…

  10. Computed tomography of intra - and extramural ethmoid cells: iconographic essay

    Energy Technology Data Exchange (ETDEWEB)

    Goncalves, Fabricio Guimaraes [McGill University Health Centre (MUHC), Montreal, QC (Canada). Montreal General Hospital; Jovem, Cassio Lemos [Med Imagem, Teresina, PI (Brazil); Moura, Leonardo de Oliveira [Centro de Treinamento em Imagenologia (CETRIM), Joao Pessoa, PB (Brazil)

    2011-09-15

    The development of the paranasal sinuses is an intricate process that begins in the intrauterine life and terminates in early adulthood. Among the paranasal sinuses, the ethmoid cells or labyrinth are probably the most complex structures, being associated with the highest number of normal variants. Variations in the pattern of pneumatization of the ethmoid cells can be divided into intra - and extramural cells. Intramural cells are those which develop within the ethmoid labyrinth. Extramural cells are those that develop isolatedly. Computed tomography is the most useful tool in the evaluation of inflammatory processes of the paranasal sinuses. Computed tomography also plays a relevant role in the preoperative planning as well as in the postoperative follow-up, since it demonstrates exact anatomical details of normal structures with accuracy in the detection of variants. In the present pictorial essay, the authors describe the most common anatomical variants of the ethmoid labyrinth and their relationship with adjacent structures. Endoscopic sinonasal surgery has become increasingly less invasive, requiring more detailed anatomical imaging of this region. (author)

  11. CERN debt to the Pension Fund (Bank loan)

    CERN Document Server

    2006-01-01

    The Finance Committee is invited to recommend the Council and the Council is invited to approve the taking out of a loan with FORTIS BANK with the purpose of the repayment of the Organization's debt to the Pension Fund, in accordance with the conditions set out in the Annex 2, thereby authorising the CERN Management to sign the Agreement on 23 June 2006.

  12. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

    ... nature, such as a physical or mental disability or terminal illness in the immediate family, which so... documentation as may be required, that the participant suffers from a permanent physical or mental disability...

  13. 77 FR 10455 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2012-02-22

    ... with State and local government officials in the development of regulatory policies with federalism... contract and may be subject to assessment of monetary damages and penalties as defined by statute. Clinical... targeted toward a specific area (e.g., AIDS) or type of research (e.g., clinical research). The focus is...

  14. 7 CFR 1421.10 - Loan repayment rates.

    Science.gov (United States)

    2010-01-01

    ... for long grain rice and medium grain rice. (1) The prevailing world market price for long grain and... prevailing world market price for a class of rice will be determined by CCC based upon a review of prices at which rice is being sold in world markets and a weighting of such prices through the use of...

  15. Attempting a Capitalist Form of Financing in a Socialist System: Student Loans in the People's Republic of China.

    Science.gov (United States)

    Shouxin, Li; Bray, Mark

    1992-01-01

    This paper examines the use of student loans, a capitalist form of educational financing, in a socialist country, the People's Republic of China. Details of the program, including eligibility, loan amounts, interest charges, administration, and repayment terms, are summarized. The paper suggests that major problems may be encountered in securing…

  16. The Farmers Perception on Effectiveness of Private Forest Revolving Fund Distribution and Factors Affecting its Repayment: Case in South Lampung District, Lampung Province

    Directory of Open Access Journals (Sweden)

    Sanudin

    2016-04-01

    Full Text Available Commercial s are ed providing for forest plantation development bank not interest in fund community based . - Therefore, in this case, non bank institutions such Forest Development Funding Center (pusat pembiayaan pembangunan hutan, PPPH private forest are highly required. This paper is aimed to find out the effectiveness of revolving fund and factors affecting its repayment distribution . The research was conducted during September–December 2014 in Private Forest Farmer Groups in Katibung Sub-District South Lampung Dist 3 , , rict Lampung Province. The data was collected through household surveys and in-depth interviews. The household surveys were done using structured questionnaires that included questions related to: characteristics of the borrowers, characteristics of private forest, characteristics of loan, and household perceptions on private forest revolving fund Household perceptions on private forest revolving fund are loan . pre requirement, loan procedure, realization, interest rate, , and repayment procedure The effectiveness of private forest length of repayment periode . revolving fund d t and factors affecting repayment of loan was analyzed by istribution was analyzed by liker scale logistic regression. ult private forest revolving fund in The res showed that: 1 three private forest farmer groups in Katibung Sub-District, South Lampung effective District was 2 income from non-private forest and amount of loan , are factors affecting repayment of private forest revolving fund, 3 faced private forest revolving f the problem in und distribution PPPH private could be overcame by maximizing the role of field officers in assisting and facilitating forest revolving fund ors debit candidate.

  17. [Extramural research funds and penal law--status of legislation].

    Science.gov (United States)

    Ulsenheimer, Klaus

    2005-04-01

    After decades of smooth functioning, the cooperation of physicians and hospitals with the industry (much desired from the side of the government in the interest of clinical research) has fallen in legal discredit due to increasingly frequent criminal inquires and proceedings for unduly privileges, corruption, and embezzlement. The discredit is so severe that the industry funding for clinical research is diverted abroad to an increasing extent. The legal elements of embezzlement assume the intentional violation of the entrusted funds against the interest of the customer. Undue privileges occur when an official requests an advantage in exchange for a service (or is promised one or takes one) in his or somebody else's interest. The elements of corruption are then given when the receiver of the undue privilege provides an illegal service or takes a discretionary decision under the influence of the gratuity. The tension between the prohibition of undue privileges (as regulated by the penal law) and the granting of extramural funds (as regulated by the administrative law in academic institutions) can be reduced through a high degree of transparency and the start of control possibilities--public announcement and authorization by the officials--as well as through exact documentation and observance of the principles of separation of interests and moderation. With the anti-corruption law of 1997, it is possible to charge of corruption also physicians employed in private institutions. In contrast, physicians in private practice are not considered in the above criminal facts. They can only be charged of misdemeanor, or called to respond to the professional board, on the basis of the law that regulates advertising for medicinal products (Heilmittelwerbegesetz).

  18. A Comprehensive Study of Extramural Venous Invasion in Colorectal Cancer

    Science.gov (United States)

    McClelland, David; Murray, Graeme I

    2015-01-01

    Colorectal cancer is a common malignancy and a leading cause of cancer related death. Cancer staging following resection is key to determining any adjuvant therapy in those patients with high risk disease. In colorectal cancer, tumour stage and lymph node stage are the main pathological factors which have been considered to influence outcome. Increasing emphasis is now being placed on other factors, especially the presence of extramural venous invasion (EMVI). It is important to understand the relationship of EMVI with other pathological factors and to confirm that in an individual centre that EMVI is being detected at an appropriate rate and is of prognostic significance. This comprehensive study assesses the reporting and prognostic significance of EMVI in a single centre, using prospectively collected data from histopathology reports of a cohort of 2405 patients who underwent surgery for colorectal cancer over a nine year period. Overall, EMVI was reported in 27.9% of colorectal cancer excision specimens. In tumours (n = 1928) that had not received neoadjuvant therapy, the presence of EMVI varied significantly depending on tumour site (χ2 = 12.03, p<0.005), tumour stage (χ2 = 268.188, p<0.001), lymph node stage (χ2 = 294.368, p<0.001) and Dukes’ stage (χ2 = 253.753, p<0.001). Multivariate analysis confirmed EMVI as a significant independent prognostic indicator (p<0.001). In conclusion, the presence of EMVI as an independent prognostic indicator is shown and is related to other pathological and prognostic factors. This study emphasises the requirement for the accurate identification of EMVI in colorectal cancer excision specimens and also understanding the relationship of EMVI with other prognostic factors. PMID:26671331

  19. A Comprehensive Study of Extramural Venous Invasion in Colorectal Cancer.

    Directory of Open Access Journals (Sweden)

    David McClelland

    Full Text Available Colorectal cancer is a common malignancy and a leading cause of cancer related death. Cancer staging following resection is key to determining any adjuvant therapy in those patients with high risk disease. In colorectal cancer, tumour stage and lymph node stage are the main pathological factors which have been considered to influence outcome. Increasing emphasis is now being placed on other factors, especially the presence of extramural venous invasion (EMVI. It is important to understand the relationship of EMVI with other pathological factors and to confirm that in an individual centre that EMVI is being detected at an appropriate rate and is of prognostic significance. This comprehensive study assesses the reporting and prognostic significance of EMVI in a single centre, using prospectively collected data from histopathology reports of a cohort of 2405 patients who underwent surgery for colorectal cancer over a nine year period. Overall, EMVI was reported in 27.9% of colorectal cancer excision specimens. In tumours (n = 1928 that had not received neoadjuvant therapy, the presence of EMVI varied significantly depending on tumour site (χ2 = 12.03, p<0.005, tumour stage (χ2 = 268.188, p<0.001, lymph node stage (χ2 = 294.368, p<0.001 and Dukes' stage (χ2 = 253.753, p<0.001. Multivariate analysis confirmed EMVI as a significant independent prognostic indicator (p<0.001. In conclusion, the presence of EMVI as an independent prognostic indicator is shown and is related to other pathological and prognostic factors. This study emphasises the requirement for the accurate identification of EMVI in colorectal cancer excision specimens and also understanding the relationship of EMVI with other prognostic factors.

  20. A new Loan-Stock Financial Instrument

    CERN Document Server

    Morozovsky, A; Kholodenko, Y; Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri

    2000-01-01

    A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free portfolio and a technique to fairly price the LSI is described. The philosophy behind this procedure is quite similar to the Black-Scholes formalism in option theory. Creation of the risk free portfolio is possible because the change in the underlying security offsets the change in the value of the loan (or the amount that the borrower has to repay). The new financial instrument takes an advantage of the fact that on average the stock market grows in time. It is beneficial for both the borrower and the lender. The LSI is mo...

  1. 34 CFR 682.507 - Due diligence in collecting a loan.

    Science.gov (United States)

    2010-07-01

    ... due. (2) If two borrowers are liable for repayment of a Federal PLUS or Federal Consolidation loan as... knowledge, the delinquency begins 30 days after the day the lender receives notice that the borrower has... contact occurring within 15 days of the date the lender obtained knowledge of the borrower's address, and...

  2. An Opportunity for Social Work Researchers: Climbing out of Educational Loan Debt

    Science.gov (United States)

    Burnette, Catherine E.; McCleary, Jennifer S.

    2014-01-01

    Objectives: Recruitment of the needed doctoral level social workers is impeded upon when doctoral graduates experience greater educational debt burden, modest salaries, and limited opportunities for student loan debt repayment. The purpose of this article is to describe a promising opportunity to reduce doctoral level social workers'…

  3. 75 FR 3697 - Solicitation of Nomination of Veterinary Shortage Situations for the Veterinary Medicine Loan...

    Science.gov (United States)

    2010-01-22

    ... for Research in Veterinary Science, a third pending NAS committee report, Assessing the Current and... National Institute of Food and Agriculture Solicitation of Nomination of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and...

  4. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... and in attendance as a regular student in at least a half-time course of study at an eligible... graduate fellowship program approved by the Secretary; (iii) Engaged in graduate or post-graduate... least a half-time regular student for a full academic year and intends to enroll as at least a...

  5. College Student Debt and Anticipated Repayment Difficulty

    Science.gov (United States)

    Fox, Jonathan J.; Bartholomae, Suzanne; Letkiewicz, Jodi C.; Montalto, Catherine P.

    This study analyzes factors associated with anticipated difficulty with repayment of debt accumulated during college using a basic model of credit risk that includes socialization processes influencing college student financial decisions. The empirical analysis uses data from the 2010 Ohio Student Financial Wellness Study. Results provide evidence…

  6. Collective strategic defaults: Bailouts and repayment incentives

    NARCIS (Netherlands)

    Vlahu, R.

    2008-01-01

    This paper shows that under a global games approach banks may be subject to risk of failure even when fundamentals are strong due to a coordination problem among debtors. As a result of collective strategic default a financially sound firm may claim inability to repay if it expects a sufficient numb

  7. Collective strategic defaults: Bailouts and repayment incentives

    NARCIS (Netherlands)

    Vlahu, R.

    2008-01-01

    This paper shows that under a global games approach banks may be subject to risk of failure even when fundamentals are strong due to a coordination problem among debtors. As a result of collective strategic default a financially sound firm may claim inability to repay if it expects a sufficient

  8. An Analysis of Credit Scoring for Agricultural Loans in Thailand

    Directory of Open Access Journals (Sweden)

    Visit Limsombunchai

    2005-01-01

    Full Text Available Loan contract performance determines the profitability and stability of the financial institutions and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of the borrowers should be completed as part of the screening process. A good credit risk assessment assists financial institutions on loan pricing, determining amount of credit, credit risk management, reduction of default risk and increase in debt repayment. The purpose of this study is to estimate a credit scoring model for the agricultural loans in Thailand. The logistic regression and Artificial Neural Networks (ANN are used to construct the credit scoring models and to predict the borrower’s creditworthiness and default risk. The results of the logistic regression confirm the importance of total asset value, capital turnover ratio (efficiency and the duration of a bank - borrower relationship as important factors in determining the creditworthiness of the borrowers. The results also show that a higher value of assets implies a higher credit worthiness and a higher probability of a good loan. However, the negative signs found on both capital turnover ratio and the duration of bank-borrower relationship, which contradict with the hypothesized signs, suggest that the borrower who has a long relationship with the bank and who has a higher gross income to total assets has a higher probability to default on debt repayment.

  9. Practical Problems of Giving Opinions by Regional Chambers of Accounting on the Possibility of Repayment of Obligations in Local Government Units

    Directory of Open Access Journals (Sweden)

    Marcin Tyniewicki

    2014-06-01

    Full Text Available Opinions of the regional accounting chambers on the possibility of repayment of the credit, loan or redemption of the securities by local government units have some specific features compared with the other opinions concerning the financial management of the local government. Firstly, they are only issued at the request of the unit that they concerned. Secondly, for the reason they relate to public debt issues, to some extent their content may be similar or “partial reproduction” of the standpoint of the regional chamber of accounting within already issued opinions referring to acts on budgetary planning process in local government units. The purpose of this article is to assess the legitimacy of issuing such opinions and to identify the relationship between the ordinances (resolutions on the possibility of repayment of the credit, loan or redemption of the securities and provisions of local government budget.

  10. Encouraging Free Play: Extramural Digital Game-Based Language Learning as a Complex Adaptive System

    Science.gov (United States)

    Scholz, Kyle

    2017-01-01

    Massively multiplayer online role-playing games like World of Warcraft are ideally suited to encourage and facilitate second language development (SLD) in the extramural setting, but to what extent do the language learners' actual trajectories of gameplay contribute to SLD? With the current propensity to focus research in digital game-based…

  11. The Effect of an Extramural Program on the Perceived Clinical Competence of Dental Hygiene Students.

    Science.gov (United States)

    Butters, Janice M.; Vaught, Randall L.

    1999-01-01

    A study investigated the effect of an extramural rotation on dental-hygiene students' self-perceptions of competence in specific clinical areas. Results indicate student perceptions of competence improved significantly on six of 19 dimensions of dental-hygiene practice over the course of the rotation, suggesting that rotation is a valuable…

  12. Early Lessons Learned from Extramural School Programs That Offer HPV Vaccine

    Science.gov (United States)

    Hayes, Kim A.; Entzel, Pamela; Berger, Wendy; Caskey, Rachel N.; Shlay, Judith C.; Stubbs, Brenda W.; Smith, Jennifer S.; Brewer, Noel T.

    2013-01-01

    Background: There has been little evaluation of school-located vaccination programs that offer human papillomavirus (HPV) vaccine in US schools without health centers (ie, extramural programs). This article summarizes lessons learned from such programs. Methods: In July to August 2010, 5 programs were identi?ed. Semistructured, in-depth telephone…

  13. Early Lessons Learned from Extramural School Programs That Offer HPV Vaccine

    Science.gov (United States)

    Hayes, Kim A.; Entzel, Pamela; Berger, Wendy; Caskey, Rachel N.; Shlay, Judith C.; Stubbs, Brenda W.; Smith, Jennifer S.; Brewer, Noel T.

    2013-01-01

    Background: There has been little evaluation of school-located vaccination programs that offer human papillomavirus (HPV) vaccine in US schools without health centers (ie, extramural programs). This article summarizes lessons learned from such programs. Methods: In July to August 2010, 5 programs were identi?ed. Semistructured, in-depth telephone…

  14. Collective strategic defaults: Bailouts and repayment incentives

    OpenAIRE

    Vlahu, R.

    2008-01-01

    This paper shows that under a global games approach banks may be subject to risk of failure even when fundamentals are strong due to a coordination problem among debtors. As a result of collective strategic default a financially sound firm may claim inability to repay if it expects a sufficient number of other firms to do so as well, thus reducing bank's enforcement ability. This occurs in particular when financial environment is characterized by inadequate bankruptcy laws and poor quality of...

  15. 45 CFR 212.7 - Repayment to the United States.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 2 2010-10-01 2010-10-01 false Repayment to the United States. 212.7 Section 212... UNITED STATES CITIZENS RETURNED FROM FOREIGN COUNTRIES § 212.7 Repayment to the United States. (a) An..., any or all of the cost of such assistance to the United States, except insofar as it is...

  16. 24 CFR 954.500 - Repayment of investment.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Repayment of investment. 954.500... DEVELOPMENT INDIAN HOME PROGRAM Program Administration § 954.500 Repayment of investment. (a) HOME funds will be made available pursuant to a HOME Investment Partnership Agreement. The agreement ensures...

  17. 5 CFR 179.306 - Written agreement for repayment.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Written agreement for repayment. 179.306 Section 179.306 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS CLAIMS COLLECTION STANDARDS Administrative Offset § 179.306 Written agreement for repayment. A debtor who...

  18. Studying borrower level risk characteristics of education loan in India

    Directory of Open Access Journals (Sweden)

    Arindam Bandyopadhyay

    2016-09-01

    Full Text Available This paper empirically investigates the granular level risk of education loan using a cross section of data from 5000 borrowers obtained from four major public sector banks in India. The findings suggest that education loan defaults are mainly influenced by security, borrower margin, and repayment periods. The presence of guarantor or co-borrower and collateral significantly reduce default loss rates. The socioeconomic characteristics of borrowers and their regional locations also act as important factors associated with education loan defaults. The results suggest that by segmenting borrowers by probability of default and loss given default in a multidimensional scale, banks can adopt better risk mitigation and pricing strategies to resolve borrower problems.

  19. Civilian Loan Marke Needs Regulation and Standardization exemplified by 3,331 farming households from Shanxi,Hubei,Henan,Jiangsu and Jilin Provinces

    Institute of Scientific and Technical Information of China (English)

    史清华; 卓建伟

    2007-01-01

    Loans have become a common occurrence in many households,contributing to household activities and productivity.An empirical analysis and comparative study on the loan wends of 3,331 farming households from the five provinces of Shanxi,Hubei,Henan.Jiangsu and Jilin are the focus of this study.Findings indicate that civilian loans are prevalent in China’s rural areas and play an important part in the livelihoods of many farming households.Loan action is found to be rational;reflecting differences in government policies,in various periods and locations.The study also looks at the popularity of"affection"loans,the relation between loan length and repayment amount and the propensity of loan contracts,as well as considering the impacts of gender,age and educational level on a households loan activity.

  20. The prognostic significance of extramural deposits and extracapsular lymph node invasion in colon cancer.

    LENUS (Irish Health Repository)

    Al Sahaf, Osama

    2011-08-01

    The status of resected lymph nodes in colon cancer determines prognosis and further treatment. The American Joint Committee on Cancer staging system has designated extramural nodules as nonnodal disease and classified them as extensions of the T category in the sixth edition and as site-specific tumor deposits in the seventh edition. Extracapsular lymph node extension is an established poor prognostic indicator in many cancers. Its significance in colon cancer has not been extensively investigated.

  1. Systematic review of prognostic importance of extramural venous invasion in rectal cancer

    Science.gov (United States)

    Chand, Manish; Siddiqui, Muhammed RS; Swift, Ian; Brown, Gina

    2016-01-01

    AIM: To systematically review the survival outcomes relating to extramural venous invasion in rectal cancer. METHODS: A systematic review was conducted using PRISMA guidelines. An electronic search was carried out using MEDLINE, EMBASE, CINAHL, Cochrane library databases, Google scholar and PubMed until October 2014. Search terms were used in combination to yield articles on extramural venous invasion in rectal cancer. Outcome measures included prevalence and 5-year survival rates. These were graphically displayed using Forest plots. Statistical analysis of the data was carried out. RESULTS: Fourteen studies reported the prevalence of extramural venous invasion (EMVI) positive patients. Prevalence ranged from 9%-61%. The pooled prevalence of EMVI positivity was 26% [Random effects: Event rate 0.26 (0.18, 0.36)]. Most studies showed that EMVI related to worse oncological outcomes. The pooled overall survival was 39.5% [Random effects: Event rate 0.395 (0.29, 0.51)]. CONCLUSION: Historically, there has been huge variation in the prevalence of EMVI through inconsistent reporting. However the presence of EMVI clearly leads to worse survival outcomes. As detection rates become more consistent, EMVI may be considered as part of risk-stratification in rectal cancer. Standardised histopathological definitions and the use of magnetic resonance imaging to identify EMVI will improve detection rates in the future. PMID:26819536

  2. Study on Group Loan and Repayment Issues of Small and Medium Enterprises Based on Internal Monitor and Social Punishment Mechanism%基于内部监督及社会惩罚机制的中小企业团体贷款还款研究

    Institute of Scientific and Technical Information of China (English)

    冉晖; 张卫国

    2011-01-01

    In this paper, based on Besley and Coate's classical model of group loan, we propose a comprehensive model which consists of internal monitor, social punishment and industry output from a unique perspective of social capital theory. In our study, we examine the factors and their interactive mechanisms which affect SEMs group finance, analyze their financing issues, and devise methods of preventing strategic default resulting from information imbalance of both sides.%论文在Besley和Coate的团体贷款经典模型基础上,从社会资本视角,将内部监督、社会惩罚及企业产出相互关系三个重要维度纳入综合分析模型,基于此综合模型讨论了可能影响团体贷款还款博弈的各因素的相互作用效果,较为系统地分析了中小企业团体贷款的还款问题,探讨了如何防止由于借贷双方信息不对称引起的策略性违约。

  3. FINANCIAL BEHAVIOR OF POPULATION ON LOAN FOR HOUSING - A STATISTICAL APPROACH

    Directory of Open Access Journals (Sweden)

    Ana-Gabriela Babucea

    2009-11-01

    Full Text Available The economic crisis has stopped the Romanians consumerism momentum. The perspective of job loss, changes in exchange rate or the inflation made many people to be extremely cautious when contract a loan for fear they can not repay it. In this paper we intend a retrospective analysis of housing credit growth to the population and build a multifactorial regression model with regard to factors influence the economic crisis.

  4. 29 CFR 2550.408b-1 - General statutory exemption for loans to plan participants and beneficiaries who are parties in...

    Science.gov (United States)

    2010-07-01

    ... management and disposition of plan assets. As a result, T is a fiduciary with respect to P under section 3(21...-1(b)(1): Example 1: T, a trustee of plan P, has exclusive discretion over the management and... otherwise disposed of upon default of repayment of the loan, the value and liquidity of which security is...

  5. On loss distributions from installment-repaid loans.

    Science.gov (United States)

    Crowder, Martin; Hand, David J

    2005-12-01

    The banks have been accumulating huge data bases for many years and are increasingly turning to statistics to provide insight into customer behaviour, among other things. Credit risk is an important issue and certain stochastic models have been developed in recent years to describe and predict loan default. Two of the major models currently used in the industry are considered here, and various ways of extending their application to the case where a loan is repaid in installments are explored. The aspect of interest is the probability distribution of the total loss due to repayment default at some time. Thus, the loss distribution is determined by the distribution of times to default, here regarded as a discrete-time survival distribution. In particular, the probabilities of large losses are to be assessed for insurance purposes.

  6. Efectividad de un programa de ejercicio físico extramural sobre la funcionalidad en varones con osteoartrosis de rodilla

    OpenAIRE

    Roberto Eduardo Parra Ortega

    2014-01-01

    Objetivo: Evaluar los resultados funcionales de un programa de ejercicio físico extramural comparado con la terapia física usual en varones con diagnóstico de Osteoartrosis de rodilla (OAR) grado I y II de Bucaramanga. Metodología: Ensayo Clínico controlado. La muestra estuvo conformada por 34 varones asignados sistemáticamente, pares para el grupo experimental e impares para el control. El grupo experimental recibió un programa de ejercicios extramural durante 4 meses y medio, de lunes a vie...

  7. Challenges of Implementing the NIH Extramural Associate Research Development Award (EARDA) at a Minority-Serving University

    Science.gov (United States)

    Pickens, Jeffrey

    2010-01-01

    The impacts and challenges of implementing an NIH/NICHD Extramural Associate Research Development Award (EARDA) at a private Minority-Serving-Institution (MSI) are examined. This article outlines efforts to gain institutional buy-in and challenges encountered in creating a functioning Office of Sponsored Research and implementing research policies…

  8. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... receive any cash back from the modification. (b) If a loan fails to meet one or more of the conditions... AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan Modification Procedures AGENCY: Department... Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans...

  9. 34 CFR 682.215 - Income-based repayment plan.

    Science.gov (United States)

    2010-07-01

    ... Income-based repayment plan. (a) Definitions. As used in this section— (1) Adjusted gross income (AGI... poverty guideline for the borrower's family size; or (ii) For a married borrower who files a joint Federal... of the difference between the borrower's and spouse's AGI, and 150 percent of the poverty guideline...

  10. 34 CFR 685.221 - Income-based repayment plan.

    Science.gov (United States)

    2010-07-01

    ... Income-based repayment plan. (a) Definitions. As used in this section— (1) Adjusted gross income (AGI... poverty guideline for the borrower's family size; or (ii) For a married borrower who files a joint Federal... of the difference between the borrower's and spouse's AGI, and 150 percent of the poverty guideline...

  11. 34 CFR 535.52 - What is the repayment schedule?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What is the repayment schedule? 535.52 Section 535.52 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION: GRADUATE...

  12. 76 FR 23606 - Submission for OMB Review; Comment Request; National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2011-04-27

    .... 288-5). The Contraception and Infertility Research LRP (CIR-LRP) is authorized by Section 487B of the... techniques or other forms of information technology. Direct Comments to OMB: Written comments and/or...

  13. 77 FR 27467 - Proposed Information Collection; Request for Public Comment: Indian Health Service Loan Repayment...

    Science.gov (United States)

    2012-05-10

    ... for education expenses that meet program criteria and who are qualified and willing to serve at, often..., and the individual agrees to work at an IHS location and provide health services to American Indian... location according to vacancy rates for that fiscal year and also considers whether the location is in...

  14. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Science.gov (United States)

    2010-10-01

    ... SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND... internships and residencies, except as specified in paragraph (a)(2)(vi) of this section; (iv) All periods...

  15. Loan Portfolio of a Faith-based Microfinance Institution: An Empirical Analysis

    Directory of Open Access Journals (Sweden)

    Najmul HODA

    2014-03-01

    Full Text Available An effective tool of economic development is found in microfinance and is believed to provide sustainable mechanism for poverty alleviation. The microfinance institutions across the world operate on a few established models and have been able to make a considerable impact in the areas of financial inclusion and poverty alleviation. However, the industry also needs innovative models and products to attain the targets set under the Millennium Development Goals. In addition to this, there is a need for client-centered models in order to overcome the problems of client dissatisfaction and loan defaults that have been reported in the recent past. This study focuses on the faith-based model of microfinance that differs from mainstream microfinance basically in terms of the underlying values. Faith-based organizations have a long history of participation in the areas of human development. Apart from charity-based lending, many such organizations are also functioning as microfinance institutions that are successfully delivering financial services to the poor. There is a need to study the procedures and performance of these institutions in order to ascertain their distinctive features and potential. Along with other indicators like outreach, impact, and financial sustainability, loan portfolio of a microfinance institution is also a good indicator of sustainability and throws light upon other important features. The main objective of this study is to understand the loan portfolio of faith-based microfinance institutions. A sample of 100 loan clients was purposively selected from one faith-based microfinance institution. This microfinance institution was selected from the list of faith based institutions generated after the literature review. The factors studied were the loan repayment cycles, general demographics and, the relationship between various factors involved in loan repayment. The study also tries to understand if such institutions have any

  16. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Residential real estate loans, small business... OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small farm loans. (a) Residential real estate, small business, and small farm loans. (1) In addition to the...

  17. 75 FR 13136 - National Institute on Drug Abuse; Notice of Closed Meeting

    Science.gov (United States)

    2010-03-18

    ... HUMAN SERVICES National Institutes of Health National Institute on Drug Abuse; Notice of Closed Meeting... Committee: National Institute on Drug Abuse Special Emphasis Panel; Loan Repayment. Date: March 22, 2010..., Contract Review Specialist, Office of Extramural Affairs, National Institute on Drug Abuse, NIH. DHHS,...

  18. Selling an Energy Efficiency Loan Portfolio in Oregon: Resale of the Craft3 loan portfolio to Self-Help Credit Union

    Energy Technology Data Exchange (ETDEWEB)

    Thompson, Peter; Borgeson, Merrian; Kramer, Chris; Zimring, Mark; Goldman, Charles

    2014-05-30

    Under the Clean Energy Works (CEW) program, Craft3 developed a loan product that widened access to financing for homeowners, offered long term funding, and collected repayments through the customer?s utility bill. The program?s success led Craft3 to pursue the sale of the loan portfolio to both mitigate its own risks and replenish funds for lending. This sale breaks new ground for energy efficiency finance and is notable as it was completed even with many novel program design elements. It replenished Craft3?s program capital and uncovered some valuable lessons that may facilitate future transactions. However, the lack of data history and the unproven nature of the loan portfolio meant that Craft3 had to limit the risk of losses to Self-Help, the purchaser of the portfolio. It remains to be seen whether this experience will pave the way for more sales of on-bill energy efficiency loan portfolios. This case study illustrates how certain program design decisions can sometimes both facilitate programmatic objectives and possibly present challenges for the sale of a portfolio of energy efficiency loans.

  19. Loans for Learning. Briefing Note

    Science.gov (United States)

    Cedefop - European Centre for the Development of Vocational Training, 2011

    2011-01-01

    A good loan scheme must balance costs with coverage. If loans are too expensive then people will not borrow. Governments are not banks, but they provide or support loans for many things, including education and training. Governments too need to get the balance right. Cedefop surveyed 35 education and training loan schemes in Europe, examining…

  20. Tracking the New Loans

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    In the first half of this year, aggregate new loans had reached a record high of 7.37 trillion yuan ($1.08 trillion). Where has the vast amount of the new loans gone? Has ballooning credit really helped fuel economic growth? Or has it worked to produce capital bubbles? Zuo Xiaolei, chief economist of China Galaxy Securities Co. Ltd. based in Beijing, offered her opinion in the Shanghai Securities News. Edited excerpts follow.

  1. 34 CFR 609.42 - What are the audit and repayment requirements?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What are the audit and repayment requirements? 609.42... What Conditions Must a Grantee Meet? § 609.42 What are the audit and repayment requirements? (a)(1) A... two years, covering the period since the previous audit, and the grantee shall submit the audit to the...

  2. 34 CFR 608.41 - What are the audit and repayment requirements?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What are the audit and repayment requirements? 608.41... PROGRAM What Conditions Must a Grantee Meet? § 608.41 What are the audit and repayment requirements? (a... the audit to the Secretary. (3) If a grantee is audited under Chapter 75 of Title 31 of the United...

  3. 26 CFR 31.6011(a)-3A - Returns of the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Returns of the railroad unemployment repayment... unemployment repayment tax. (a) Requirement—(1) Employers. Every rail employer (as defined in section 3323(a) and section 1 of the Railroad Unemployment Insurance Act) shall make a return of the tax imposed by...

  4. 42 CFR 433.140 - FFP and repayment of Federal share.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false FFP and repayment of Federal share. 433.140 Section....140 FFP and repayment of Federal share. (a) FFP is not available in Medicaid payments if— (1) The... insurance contract limits or excludes payments if the individual is eligible for Medicaid. (b) FFP...

  5. Efectividad de un programa de ejercicio físico extramural sobre la funcionalidad en varones con osteoartrosis de rodilla

    Directory of Open Access Journals (Sweden)

    Roberto Eduardo Parra Ortega

    2016-08-01

    Full Text Available Objetivo: Evaluar los resultados funcionales de un programa de ejercicio físico extramural comparado con la terapia física usual en varones con diagnóstico de Osteoartrosis de rodilla (OAR grado I y II de Bucaramanga. Metodología: Ensayo Clínico controlado. La muestra estuvo conformada por 34 varones asignados sistemáticamente, pares para el grupo experimental e impares para el control. El grupo experimental recibió un programa de ejercicios extramural durante 4 meses y medio, de lunes a viernes, una hora diaria de sesión. El grupo control  cumplió con las indicaciones y protocolos de ejercicio terapéutico que normalmente se aplican en Santander para el tratamiento de la OAR. Se utilizó un análisis de covarianzas para establecer la efectividad de la intervención. Resultados: Se encontró que el promedio del aumento entre el grupo que recibió programa de ejercicio físico extramural comparado con el grupo control fue de 40,2 seg. (p=0,000 en el tiempo máximo de duración en posición de pie sobre la pierna afectada y 58,9 seg.  (p=0,000 en  el tiempo máximo de duración en posición bípeda con flexión de rodillas a 90 grados. Así mismo se disminuyeron 9,2 seg. (p=0,000 al realizar 20 flexiones de pierna a 90°, 4,6 seg. (p=0,000 para recorrer 50 metros planos, 138,4 seg. (p=0,000 para recorrer 1600 metros planos y 29,8 seg. (p=0,000 para ascender 100 escalones de 25 cm. Conclusiones: Los adultos jóvenes con OAR en Santander-Colombia que desarrollaron el programa de ejercicio físico extramural mostraron mayor mejoría funcional que los que se rehabilitaron cumpliendo el protocolo tradicional.

  6. DELIVERY OF GOOD IN THE LOAN AGREEMENT: CONDITION OF VALIDITY OR OBLIGATION OF THE LENDER?

    Directory of Open Access Journals (Sweden)

    LIVIU STANCIULESCU

    2011-04-01

    Full Text Available In theory, the loan is generally defined as a contract whereby a person, called the lender, shall use or immovable property of another person, called the loan, which is obliged to repay in kind. Based on the definition above national doctrine is unanimous in determining that the loan is a unilateral contract, because creates obligations only for the borrower. Similarly, the loan is a real contract because the manifestation of will must be accompanied by delivery of the good. Given the above, the question is obvious: delivery of the borrowed good is a condition of validity of the contract (specific for its formation or an obligation of the borrower (operating in the execution phase ? Please note that determining the legal nature of the good delivery has great importance to the doctrine and practice. Thus, relative to the approach adopted: „delivery - a condition of validity” or „ delivery - obligation of the lender”, legal consequences are totally different, with direct implications in defining the actual contract, the contract unilaterally rescinded the conditions in which they operate, etc.. In our approach we try to demonstrate that good delivery in the loan agreement can only be an obligation of the borrower (with all consequences arising from such qualification.

  7. Size and characteristics of the biomedical research workforce associated with U.S. National Institutes of Health extramural grants.

    Science.gov (United States)

    Pool, Lindsay R; Wagner, Robin M; Scott, Lindsey L; RoyChowdhury, Deepshikha; Berhane, Rediet; Wu, Charles; Pearson, Katrina; Sutton, Jennifer A; Schaffer, Walter T

    2016-03-01

    The U.S. National Institutes of Health (NIH) annually invests approximately $22 billion in biomedical research through its extramural grant programs. Since fiscal year (FY) 2010, all persons involved in research during the previous project year have been required to be listed on the annual grant progress report. These new data have enabled the production of the first-ever census of the NIH-funded extramural research workforce. Data were extracted from All Personnel Reports submitted for NIH grants funded in FY 2009, including position title, months of effort, academic degrees obtained, and personal identifiers. Data were de-duplicated to determine a unique person count. Person-years of effort (PYE) on NIH grants were computed. In FY 2009, NIH funded 50,885 grant projects, which created 313,049 full- and part-time positions spanning all job functions involved in biomedical research. These positions were staffed by 247,457 people at 2,604 institutions. These persons devoted 121,465 PYE to NIH grant-supported research. Research project grants each supported 6 full- or part-time positions, on average. Over 20% of positions were occupied by postdoctoral researchers and graduate and undergraduate students. These baseline data were used to project workforce estimates for FYs 2010-2014 and will serve as a foundation for future research.

  8. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500... GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the... United States with remaining periods of maturity comparable to the term of the loan sought to...

  9. Pricing Microfinance Loans and Loan Guarantees using Biased Loan Write-off Data

    OpenAIRE

    Chowdhry, Bhagwan; Cassell, David; Gamett, James B; Milkwick, Gary J; Nielsen, Chad D; Sederstrom, Jon D

    2005-01-01

    We present a simple, easy to implement methodology for pricing microfinance loans and loan guarantees using publicly available data on loan write-offs by Micro Finance Institutions (MFIs). Our methodology takes into account the selection bias inherent in available data in that MFIs that do not report loan write-off data are less likely to be better performers. Our quantitative analysis is consistent with pricing seen in a recent securitization deal. Our analysis suggests how securitization a...

  10. Mortgage lenders and loans

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks,

  11. The degree of extramural spread of T3 rectal cancer: a plea to the UICC and AJCC.

    Science.gov (United States)

    Zinicola, R; Pedrazzi, G; Haboubi, N; Nicholls, R J

    2017-03-01

    The above article, published online on 15 July 2016 in Wiley Online Library (wileyonlinelibrary.com), has been retracted by agreement between the authors, the journal Editor-in-Chief, Neil Mortensen, and John Wiley & Sons Limited. After acceptance the authors were made aware of a contribution to a prior publication of the UICC, TNM Supplement: A commentary on uniform use, 4th Edition, ed. C. Wittekind (Wiley, 2012), p. 195, which renders the central argument of their article invalid. They have therefore asked for it to be withdrawn. A modified version of the paper was published in the January 2017 issue (volume 19; issue 1) with the title "The degree of extramural spread of T3 rectal cancer: an appeal to the American Joint Committee on Cancer".

  12. Limiting Real Estate Loans

    Institute of Scientific and Technical Information of China (English)

    WANG JUN

    2010-01-01

    @@ More than eight months after the Central Government issued an order for central enterprises whose core business was not real estate to withdraw from the property sector, many enterprises in question have been sluggish to adhere to, or have altogether ignored, the government directive. Only 16 central enterprises are authorized to get new property development loans in the future, but 78 additional enterprises have business dealings in the real estate market, according to a recent report in China Securities Journal.

  13. 7 CFR 1610.4 - Loan applications.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available...

  14. 34 CFR 685.203 - Loan limits.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan limits. 685.203 Section 685.203 Education..., DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.203 Loan limits... Direct Stafford/Ford Loan Program and Federal Stafford Loan Program aggregate limits. The...

  15. 5 CFR 1655.11 - Loan acceptance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan acceptance. 1655.11 Section 1655.11 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.11 Loan acceptance. The... pending loan agreement or in-service withdrawal request; (d) The amount of the requested loan is less than...

  16. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans... comparable maturity. (2) Have terms that, in the judgment of the Board, are consistent in material...

  17. 10 CFR 611.107 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Loan terms. 611.107 Section 611.107 Energy DEPARTMENT OF... Direct Loan Program § 611.107 Loan terms. (a) All loans provided under this part shall be due and payable... priority in, such Security as provided for within the terms and conditions of the Loan Documents....

  18. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400... PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be... States with remaining periods of maturity comparable to the term of the loan sought to be guaranteed....

  19. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

    ... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.7 Loan and advance limitations and obligations incurred before loan closing. (a) WS and RCD loan limitations. (1) Loans will not be used for: (i... facilities primarily for the benefit of other than rural areas. (xvii) Any single RCD measure that requires a...

  20. Chinese Loan Words in English

    Institute of Scientific and Technical Information of China (English)

    郜战莹

    2015-01-01

    English language is the most common working language.In the history of its development,English has widened its vocabulary by borrowing.Borrowing plays an important role in the formation of modern English.Chinese loan words are a part in the family of all the loan words.Therefore,the number of loan words which originate from Chinese is not that great,but they hold an important role in contemporary English.

  1. SBA Disaster Loan Data FY2012

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2012 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  2. SBA Disaster Loan Data FY2005

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2005 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  3. SBA Disaster Loan Data FY2004

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2004 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  4. 76 FR 11946 - Emergency Homeowners' Loan Program

    Science.gov (United States)

    2011-03-04

    ..., deed of trust, executor land sales contract, conditional sales contract, or other form of security and... mortgage payments; (e) Have a reasonable likelihood to resume full monthly mortgage payments, and repay...

  5. MRI-detected extramural vascular invasion is an independent prognostic factor for synchronous metastasis in patients with rectal cancer

    Energy Technology Data Exchange (ETDEWEB)

    Sohn, Beomseok; Lim, Joon-seok; Kim, Honsoul; Kim, Myeong-Jin [Yonsei University, College of Medicine, Department of Radiology and Research Institute of Radiological Science, Severance Hospital, Seoul (Korea, Republic of); Myoung, Sungmin [Jungwon University, Department of Medical Information, Goesan (Korea, Republic of); Choi, Junjeong [Yonsei University Wonju College of Medicine, Department of Pathology, Wonju (Korea, Republic of); Kim, Nam Kyu [Yonsei University, College of Medicine, Department of Surgery, Severance Hospital, Seoul (Korea, Republic of)

    2015-05-01

    To determine whether magnetic resonance imaging (MRI)-detected extramural vascular invasion (EMVI) could predict synchronous distant metastases in rectal cancer. Patients who underwent rectal MRI between July 2011 and December 2012 were screened. This study included 447 patients with pathologically confirmed rectal adenocarcinoma who had undergone MRI without previous treatment. Distant metastases were recorded at the initial work-up and over a 6-month follow-up. Univariate/multivariate logistic regression models were used to determine the risk of metastasis. The diagnostic performance was calculated using pathologic lymphovascular invasion (LVI) as a gold standard. Among 447 patients, 79 patients (17.7 %) were confirmed to have distant metastases. Three MRI features are significantly associated with a high risk of distant metastasis: positive EMVI (odds ratio 3.02), high T stage (odds ratio 2.10) and positive regional lymph node metastasis (odds ratio 6.01). EMVI in a large vessel (≥3 mm) had a higher risk for metastasis than EMVI in a small vessel (<3 mm). Sensitivity, specificity and accuracy of MRI-detected EMVI were 28.2 %, 94.0 % and 80.3 %, respectively. MRI-detected EMVI is an independent risk factor for synchronous metastasis in rectal cancer. EMVI in large vessels is a stronger risk factor for distant metastasis than EMVI in small vessels. (orig.)

  6. The origin of the medical research grant in the United States: the Rockefeller Foundation and the NIH Extramural Funding Program.

    Science.gov (United States)

    Schneider, William H

    2015-04-01

    The establishment of National Institutes of Health (NIH) extramural grants in the second half of the twentieth century marked a signal shift in support for medical research in the United States and created an influential model for the rest of the world. A similar landmark development occurred in the first half of the twentieth century with the creation of the Rockefeller Foundation and its funding programs for medical research. The programs and support of the foundation had a dramatic impact on medical research in the United States and globally. This paper examines early connections between these two developments. The NIH grants have usually been seen as having their roots primarily in the government programs of the Second World War. This article finds direct and indirect influence by the Rockefeller Foundation, as well as parallel developments in these two monumental programs of support for medical research. © The Author 2014. Published by Oxford University Press. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  7. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan spre

  8. The Selling of Student Loans

    Science.gov (United States)

    Field, Kelly

    2007-01-01

    Twenty years ago, a U.S. Senate aide walked into a bank in Maine and saw a sign that read "Take out a student loan today, get a toaster." The aide, concerned that students would be tempted to take out loans they did not need, drafted legislation barring lenders from offering "inducements" to borrow. That language was added to the Higher Education…

  9. 26 CFR 31.6302(c)-2A - Use of Government depositaries in connection with the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... with the railroad unemployment repayment tax. 31.6302(c)-2A Section 31.6302(c)-2A Internal Revenue...) § 31.6302(c)-2A Use of Government depositaries in connection with the railroad unemployment repayment...,000,000, such employer shall (except as provided below) deposit his undeposited railroad unemployment...

  10. 26 CFR 31.6071(a)-1A - Time for filing returns with respect to the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Time for filing returns with respect to the railroad unemployment repayment tax. 31.6071(a)-1A Section 31.6071(a)-1A Internal Revenue INTERNAL REVENUE... filing returns with respect to the railroad unemployment repayment tax. (a) In general. Each return of...

  11. 34 CFR 674.35 - Deferment of repayment-Federal Perkins loans made before July 1, 1993.

    Science.gov (United States)

    2010-07-01

    ..., retirement, and other fringe benefits to the volunteer that are substantially equivalent to the benefits... licensing agency requires an individual to complete as a prerequisite for certification for professional... statement from an official of the appropriate State licensing agency that successful completion of...

  12. Enlightenment from Yunus Small Loans to Improve our Student Loans%尤努斯小额贷款模式对我国助学贷款的启示

    Institute of Scientific and Technical Information of China (English)

    王俊春

    2011-01-01

    国家助学贷款是匡扶社会正义和维护教育公平的最好举措。扶贫助困是助学贷款的终极目标,相信贫困学子能偿还贷款是其基本信条,而符合其特征的模式构建和制度设计是其关键环节,通过政府、银行、学校和社会的共同努力,可以让更多的贫困学子享受高等教育的阳光和助学贷款的雨露。%National student loan is a measure to uphold social justice and equal access to education. To assist the poor and difficult is the aim of student loan, with its trust laid in the students" future ability to repay their loans. A mode catering to their needs and the design of the system are the key links. Joined efforts from the government, bank and school, and the society at large will enable more poor students to benefit from student loans.

  13. Research on Multiprincipals Selecting Effective Agency Mode in the Student Loan System

    Directory of Open Access Journals (Sweden)

    Libo Ding

    2014-01-01

    Full Text Available An effective agency mode is the key to solve incentive problems in Chinese student loan system. Principal-agent frameworks are considered in which two principals share one common agent that is performing one single task but each prefers the different aspect of the task. Three models are built and decision mechanisms are given. The studies show that the three modes have different effects. Exclusive dealing mode is not good for long-term effect because sometimes it guides agent ignoring repayment. If effort proportionality coefficient and observability are both unchanged, principals all prefer common agency, but independent contracting mode may be more efficient in reality because not only the total outputs under that mode are larger than those under cooperation one, but also preferring independent contracting mode can stimulate the bank participating in the game.

  14. Development of New Loan Payment Models with Piecewise Geometric Gradient Series

    Directory of Open Access Journals (Sweden)

    Erdal Aydemir

    2014-12-01

    Full Text Available Engineering economics plays an important role in decision making. Also, the cash flows, time value of money and interest rates are the most important research fields in mathematical finance. Generalized formulae obtained from a variety of models with the time value of money and cash flows are inadequate to solve some problems. In this study, a new generalized formulae is considered for the first time and derived from a loan payment model which is a certain number of payment amount determined by customer at the beginning of payment period and the other repayments with piecewise linear gradient series. As a result, some numerical examples with solutions are given for the developed models. 

  15. An Early Warning System for Loan Risk Assessment Based on Rare Event Simulation

    Science.gov (United States)

    Zhou, Hong; Qiu, Yue; Wu, Yueqin

    System simulation is one of important tool for risk assessment. In this paper, a new method is presented to deal with credit risk assessment problems for commercial banks based on rare event simulation. The failure probability of repaying loans of listed company is taken as the criterion to measure the level of credit risk. The rare-event concept is adopted to construct the model of credit risk identification in commercial banks, and cross-entropy scheme is designed to implement the rare event simulation, based on which the loss probability can be assessed. Numerical experiments have shown that the method has a strong capability to identify the credit risk for commercial banks and offers a good tool for early warning.

  16. Research on the Early Warning Model Construction of China’s Guarantee Enterprise in Personal Loan Defaults%我国担保企业个人贷款违约预警模型构建研究

    Institute of Scientific and Technical Information of China (English)

    李环; 倪海玲

    2015-01-01

    This paper selects the personal loans business data as the research samples. Firstly, we consider the selected data representation and effectiveness variables in the establishment of the sample. And then according to two groups of the normal and default, we divide the study sample into modeling group and test group. The former is used to establish the personal loan default prediction model, and the latter is used to test the accuracy of default warning model. Finally, the research results show that: annual income, age, common repayment, the loan amount, repayment period, double B cars and other factors will have a signiifcant impact on personal loans default; under the premise of the lenders with the higher and stable income, common repayment, double B cars, less loan amount, long repayment period and older, they will have the less likelihood of default occurrence. The research has important reference value on the personal loans risk control of our guarantee enterprises.%本文选取担保公司个人贷款业务数据为研究样本,建立个人贷款的违约预警模型,并检验违约预警模型的准确性。研究结果表明:年收入、年龄、共同还款人、贷款金额、还款期限、双B汽车等因素对个人贷款的违约会有显著影响;在收入越高且稳定、有共同还款人、有双B汽车、贷款金额小、还款期限长、年龄较大的前提下,贷款人越发不容易发生违约行为。本文研究成果以期对我国担保企业个人贷款风险控制有参考价值。

  17. 7 CFR 1735.73 - Loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737....

  18. 38 CFR 36.4315 - Loan modifications.

    Science.gov (United States)

    2010-07-01

    ... back from the modification. (j) This section does not create a right of a borrower to have a loan... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan modifications. 36...) LOAN GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4315...

  19. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 3560.63 Section 3560.63 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... housing tax credits, limits will be those specified in § 3560.53(l). (2) Developer's fee. While,...

  20. 7 CFR 4274.331 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 4274.331 Section 4274.331 Agriculture... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum... be used for loans to ultimate recipients that exceed $150,000. This limit does not apply to...

  1. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes... consumers. (4) Risks of possible loss of substantial loads from large consumers or from load concentrations in particular industries will not substantially impair loan feasibility. (5) Risks of loss...

  2. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15....15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than... collateral, other loan terms, and current average yields on outstanding obligations of the United States...

  3. MANAGING NON-REPAYMENT RISK THROUGH GROUP-BASED LENDING IN MFIs

    OpenAIRE

    2009-01-01

    To analyze how MFIs are managing their non-repayment risk by using GBL approach. The deductive approach has been used in this study and the case study method is deployed. Khushhali Bank Limited, Pakistan has been taken for the subject MFI. The four inter-related theories have been taken into consideration, namely Portfolio, Principal-Agent, Contract and Transaction Cost Theories, to have a detailed literature review about the threat of non-repayment risk through GBL. The study chalked out a r...

  4. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

    Presently the US imports a large proportion of its petroleum requirements. This dependence on foreign petroleum has had a major impact on our economy. As a result, the Federal government is sponsoring programs to offset this foreign reliance by conservation of oil and gas, conversion of petroleum using facilities to coal and nuclear energy and the development of alternate sources of energy. One of the most acceptable alternate resources is geothermal. It offers an environmentally sound energy resource, can be developed at reasonable cost in comparison to other forms of energy and has a long term production capacity. On September 3, 1974, the Geothermal Energy Research Development and Demonstration Act was enacted to further the research, development and demonstration of geothermal energy technologies. This Act also established the Geothermal Loan Guaranty Program to assist in the financing of geothermal resource development, both electrical and non-electrical. The highlights of that Guaranty Program are detailed in this report.

  5. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

    Presently the US imports a large proportion of its petroleum requirements. This dependence on foreign petroleum has had a major impact on our economy. As a result, the Federal government is sponsoring programs to offset this foreign reliance by conservation of oil and gas, conversion of petroleum using facilities to coal and nuclear energy and the development of alternate sources of energy. One of the most acceptable alternate resources is geothermal. It offers an environmentally sound energy resource, can be developed at reasonable cost in comparison to other forms of energy and has a long term production capacity. On September 3, 1974, the Geothermal Energy Research Development and Demonstration Act was enacted to further the research, development and demonstration of geothermal energy technologies. This Act also established the Geothermal Loan Guaranty Program to assist in the financing of geothermal resource development, both electrical and non-electrical. The highlights of that Guaranty Program are detailed in this report.

  6. 76 FR 46774 - Privacy Act of 1974; System of Records-Federal Student Aid Application File

    Science.gov (United States)

    2011-08-03

    ... reading system, and the entire complex is patrolled by security personnel during non-business hours. The...; Loan Satisfactory Repayment Change; Active Bankruptcy Change; Overpayments Change; Aggregate Loan Change; Defaulted Loan; Discharged Loan; Loan Satisfactory Repayment; Active Bankruptcy; Additional Loans...

  7. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... November 22, 2010. FOR FURTHER INFORMATION CONTACT: Connie Holman, Senior Loan Officer, USDA FSA LMD, STOP...-mail: connie.holman@wdc.usda.gov . Persons with disabilities or who require alternative means...

  8. 12 CFR 725.20 - Repayment, security and credit reporting agreements; other terms and conditions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Repayment, security and credit reporting agreements; other terms and conditions. 725.20 Section 725.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS NATIONAL CREDIT UNION ADMINISTRATION CENTRAL...

  9. 76 FR 60527 - Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2011-09-29

    ... Bureau of Reclamation Status Report of Water Service, Repayment, and Other Water- Related Contract... region in the SUPPLEMENTARY INFORMATION section. FOR FURTHER INFORMATION CONTACT: Michelle Kelly, Water... for the delivery of project water for authorized uses in newspapers of general circulation in...

  10. 76 FR 44948 - Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2011-07-27

    ...] [FR Doc No: 2011-18980] DEPARTMENT OF THE INTERIOR Bureau of Reclamation Status Report of Water Service, Repayment, and Other Water- Related Contract Actions AGENCY: Bureau of Reclamation, Interior... Kelly, Water and Environmental Services Division, Bureau of Reclamation, P.O. Box 25007,...

  11. 76 FR 73674 - Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2011-11-29

    ... Bureau of Reclamation Status Report of Water Service, Repayment, and Other Water- Related Contract... region in the SUPPLEMENTARY INFORMATION section. FOR FURTHER INFORMATION CONTACT: Michelle Kelly, Water... for the delivery of project water for authorized uses in newspapers of general circulation in...

  12. AHP 28: Too Much Loving-Kindness to Repay: Funeral Speeches of the Wenquan Pumi

    Directory of Open Access Journals (Sweden)

    Gerong Pincuo (kɛ́izoŋ pʰiŋtsʰu

    2013-12-01

    Full Text Available Two Pumi funeral speech rituals of the Wenquan Pumi area in northwestern Yunnan Province illustrate the traditional genre of speeches through their use of metaphor and parallellism. The speeches express the central concept of giving and repaying that plays an important role in strengthening social cohesion among Pumi relatives.

  13. 34 CFR 535.51 - What are the requirements for repayment of the fellowship?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What are the requirements for repayment of the fellowship? 535.51 Section 535.51 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION...

  14. 34 CFR 535.55 - What is the length of the deferment of repayment?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What is the length of the deferment of repayment? 535.55 Section 535.55 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL...

  15. 34 CFR 535.56 - Under what circumstances is repayment waived?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Under what circumstances is repayment waived? 535.56 Section 535.56 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION:...

  16. 34 CFR 535.54 - Under what circumstances is repayment deferred?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Under what circumstances is repayment deferred? 535.54 Section 535.54 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION:...

  17. 12 CFR Appendix M2 to Part 226 - Actual Repayment Disclosures

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Actual Repayment Disclosures M2 Appendix M2 to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... nearest whole year if the estimate contains a fractional year less than 0.5, and rounded up to the...

  18. 12 CFR Appendix M1 to Part 226 - Generic Repayment Estimates

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Generic Repayment Estimates M1 Appendix M1 to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... rounded down to the nearest whole year if the estimate contains a fractional year less than 0.5,...

  19. 46 CFR 276.1 - Partial repayment-incidental domestic trading.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Partial repayment-incidental domestic trading. 276.1 Section 276.1 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION REGULATIONS AFFECTING...—incidental domestic trading. In every instance where a vessel, with respect to which a...

  20. Single Family Loan Sale Initiative - National Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  1. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

    ... following categories: (i) Lender will price the loan at the Wall Street Journal published Prime Rate plus 1.5 percent or less (5 points). (ii) Lender will price the loan at the Wall Street Journal...

  2. Economic Loan Loss Provision and Expected Loss

    National Research Council Canada - National Science Library

    Hlawatsch, Stefan; Ostrowski, Sebastian

    2010-01-01

    ... adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS...

  3. Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

    In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific va

  4. 13 CFR 302.3 - Project servicing for loans, loan guaranties and Investment Assistance.

    Science.gov (United States)

    2010-01-01

    ... ADMINISTRATION, DEPARTMENT OF COMMERCE GENERAL TERMS AND CONDITIONS FOR INVESTMENT ASSISTANCE § 302.3 Project servicing for loans, loan guaranties and Investment Assistance. EDA will provide Project servicing to... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Project servicing for loans, loan...

  5. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a... prohibitions of 11 CFR 110.4, 110.20, part 114 and part 115; or (2) The lending institution making the loan...

  6. 76 FR 13769 - Rural Broadband Access Loans and Loan Guarantees

    Science.gov (United States)

    2011-03-14

    ... access too high, or limit potential demand, thus depressing the profitability of providing service... speed. Broadband loan. Build-out. Competitive analysis. Cost share. Customer premise equipment (CPE... in a notice in the Federal Register, that an applicant must deliver to the customer in order for...

  7. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

    ... FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... criteria: (i) The Private Loan shall have one set of semi-annual payment dates; (ii) Interest on and... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section...

  8. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan maintenance. 1435.104 Section 1435.104 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION, DEPARTMENT... Loan maintenance. (a) All processors receiving loans shall: (1) Abide by the terms and conditions...

  9. 78 FR 26485 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2013-05-07

    ... Part 3575 RIN 0575-AC92 Community Programs Guaranteed Loans AGENCY: Rural Housing Service, USDA. ACTION... Community Facilities Guaranteed Loan Program in two separate sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed Loan. The intended effect of this...

  10. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 3560.612 Section 3560.612 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The...

  11. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature...) Payment of fees. The applicant, or in the case of a real estate purchase, the applicant and seller, must pay all filing, recording, notary, lien search, and any other fees necessary to process and close a...

  12. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

    This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject potentia...

  13. Cyclicality in Losses on Bank Loans

    NARCIS (Netherlands)

    B. Keijsers (Bart); B.F. Diris (Bart); H.J.W.G. Kole (Erik)

    2015-01-01

    markdownabstract__Abstract__ Cyclicality in the losses of bank loans is important for bank risk management. Because loans have a different risk profile than bonds, evidence of cyclicality in bond losses need not apply to loans. Based on unique data we show that the default rate and loss given defau

  14. 7 CFR 1980.481 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications... used only to finance: (a) Community facilities as defined in § 1980.402 of this subpart, and (b) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating...

  15. Financial Scandals and Student Loans

    Science.gov (United States)

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

    The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…

  16. Trouble Ahead for Student Loans?

    Science.gov (United States)

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

    The market for student loans may differ in some respects from other financial markets, but private lenders are the primary source of funds. As in other markets, the incentive to lend those funds comes from the ability to make a profit. But recent turmoil in financial markets is affecting all of the factors that contribute to the profitability of…

  17. 7 CFR 773.19 - Interest rate, terms, security requirements, and repayment.

    Science.gov (United States)

    2010-01-01

    ... using the farm's operating plan, including a projected cash flow budget based on historical performance... projected cash flow budget based on historical performance. (f) Creditworthiness. All loan applicants...

  18. 7 CFR 3431.23 - Service to Federal Government in emergency situations.

    Science.gov (United States)

    2010-01-01

    ...) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.23...

  19. 7 CFR 3431.24 - Reporting requirements, monitoring, and close-out.

    Science.gov (United States)

    2010-01-01

    ...) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.24...

  20. 78 FR 6621 - Ability To Repay Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ... mortgage for certain loans made and held in portfolio by small creditors. The Bureau is also seeking feedback on whether additional clarification is needed regarding the inclusion of loan originator... Bureau solicits feedback regarding these exemptions and modifications. A. Proposed Exemption for...

  1. New England's Disadvantaged Populations Struggle the Most with Student Debt Repayment

    Science.gov (United States)

    Saas, Darcy Rollins

    2016-01-01

    Regularly reported statistics about high and growing student-loan debt levels, combined with increased rates of delinquency and default, have prompted calls to address the student-debt "crisis." For New England, with its highly educated population and large higher education industry, student-loan debt is an important economic policy…

  2. English Loan Words in Chinese

    Institute of Scientific and Technical Information of China (English)

    胡悦

    2016-01-01

    During the process of language contact, a lot of language changes may appear, among which lexical borrowing, the ori-gin lexical item from one language being used by another language, is one of the most common phenomena. As a result of glo-balization, the frequent contact with western culture and the English language has brought a huge amount of lexical borrowings to the Chinese language. This paper mainly looks at the language contact of the English loan words in Chinese in the following three methods, namely transliteration, semantic loan and a mixture of the two respectively. The discussion over the examination will contribute to the understanding of English as a lingua franca and its language contact with Chinese.

  3. How US Small Business Owners Obtain General Guaranteed Loans and Special Types of Loans%美国小企业如何获得普通担保贷款和特种贷款

    Institute of Scientific and Technical Information of China (English)

    李树杰

    2014-01-01

    Almost all the countries in the world, especially developing countries, have been paying much attention to the development experiences of US small businesses. One of the core experiences in the US issmall businesses can obtain a financing facility for collateral from the Small Business Administration of the US before they obtain loans from relevant financial institutions. First, the author obtains insight into general secured loan sin areas such as eligibility, usage, repayments, amounts, fees interest rates and application. Then, the small business’special loan is introduced, for which the US Small Business Administration provides collateral. The main purpose is to contribute experiences and enlightenment to small financial institutions in China when they extend small loans to small businesses.%美国的小企业发展经验令世界各国特别是发展中国家为之瞩目。其成功的秘诀之一就是小企业借助美国小企业管理局提供的担保支持,可以顺利地从相关金融机构获得贷款。本文从小企业合格性审查、贷款的用途、贷款的偿还、贷款金额和费率、贷款申请程序等五个方面详细介绍分析了普通小企业担保贷款,然后又对小企业管理局担保的小企业特种贷款项目进行了介绍分析。其目的在于对中国的小金融机构开展小额贷款业务提供一些借鉴和支持。

  4. Large repayments of premium subsidies may be owed to the IRS if family income changes are not promptly reported.

    Science.gov (United States)

    Jacobs, Ken; Graham-Squire, Dave; Gould, Elise; Roby, Dylan

    2013-09-01

    Subsidies for health insurance premiums under the Affordable Care Act are refundable tax credits. They can be taken when taxes are filed or in advance, as reductions in monthly premiums that must be reconciled at tax filing. Recipients who take subsidies in advance will receive tax refunds if their subsidies were too small but will have to make repayments if their subsidies were too high. We analyzed predicted repayments and refunds for people receiving subsidies, using California as a case study. We found that many families could owe large repayments to the Internal Revenue Service at their next tax filing. If income changes were reported and credits adjusted in a timely manner throughout the tax year, the number of filers owing repayments would be reduced by 7-41 percent and the median size of repayments reduced by as much as 61 percent (depending on the level of changes reported and the method used to adjust the subsidy amounts). We recommend that the health insurance exchanges mandated by the Affordable Care Act educate consumers about how the subsidies work and the need to promptly report income changes. We also recommend that they provide tools and assistance to determine the amount of subsidies that enrollees should take in advance.

  5. 75 FR 58285 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-09-24

    ... Part 701 RIN 3133-AD71 Short-Term, Small Amount Loans Agency: National Credit Union Administration... unions (FCUs) to offer short-term, small amount loans (STS loans) as a viable alternative to predatory payday loans. The amendment permits FCUs to charge a higher interest rate for an STS loan than is...

  6. 42 CFR 57.309 - Payment of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  7. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Rates and terms-WS loans and WS advances and RCD... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.8 Rates and terms—WS loans and WS advances and RCD loans...

  8. Degree of Competition of Consumer Loan Industry

    OpenAIRE

    Kohei Kubota; Yoshiro Tsutsui

    2008-01-01

    The purpose of this paper is to estimate the degree of competition of consumer loan industry in Japan utilizing responses to a questionnaire survey conducted by Japan Consumer Finance Association. Estimating the cost function, we found that the industry is characterized by large scale economies. Estimation of Lerner index, H-statistics, degree of noncompetition, and degree of collusion reveals that consumer loan market is highly monopolistic. Consumer loan companies answered to a question tha...

  9. Syndicated Loan Signed for CPECC'S KUWAIT Project

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

    @@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.

  10. Strategies for selling smaller pools of loans

    OpenAIRE

    McCarthy, John

    2006-01-01

    Proceedings of the Conference on the Secondary Market for Community Development Loans In September 2006, the Federal Reserve hosted a conference on secondary markets for community development loans. A theme that emerged was that techniques, programs, and structures that work for large loans do not necessarily work for small ones. In this article, I briefly outline why smaller deals can be more difficult to finance, and describe two ways in which the Community Preservation Corporation (CPC) ha...

  11. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... of employment (MSE) for Military Reservist Economic Injury Disaster Loan (MREIDL) assistance. SBA may... the applicant's status as a major source of employment for Military Reserve Economic Injury...

  12. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... Agency regulations for the 7(a) Business Loan Program. (70 FR 69645). Because the pilot was designed as a... regulations identified in the Federal Register notice at 70 FR 69645 through September 30, 2011. SBA's waiver... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business...

  13. 76 FR 18375 - Small Business Jobs Act: Eligible Loans for 504 Loan Program Debt Refinancing

    Science.gov (United States)

    2011-04-04

    ... ADMINISTRATION 13 CFR Part 120 Small Business Jobs Act: Eligible Loans for 504 Loan Program Debt Refinancing... Small Business Jobs Act. DATES: Effective Date: This document is effective April 4, 2011. FOR FURTHER... the Small Business Jobs Act (Jobs Act), Public Law 111-240, 124 Stat. 2504, only loans that...

  14. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review AGENCY: Department of... review. Currently, lenders can submit loan files selected for review by LGY through either electronic...

  15. On Debt Repayment of Urban Rail Transit Construction Projects%城市轨道交通建设项目债务偿还方式思考

    Institute of Scientific and Technical Information of China (English)

    马季华

    2013-01-01

    Low-fare policy of urban rail transit results in project construction fund essentially relying on the city government subsidies. The principal of the loans should be paid in annual installments and the interests are also to be paid by amortization. Compared with principal repayment with grace period, annual amortization has stronger binding effect on companies so that they can act according to their capabilities, control risks and apportion their debt burdens. It is a safe and fair long-term mechanism for investment and financing.%城市轨道交通的低票价政策决定了项目建设资金最终依靠城市政府投入与个人住房采取按揭贷款“超前消费”的模式类似,城市轨道交通建设项目适合采取借钱“超前建设”的模式.建议城市轨道交通建设项目的债务实行本金按年分期偿还的方式,即不但利息要按年支付,本金也要按年分期偿还.本金按年分期偿还方式与本金设置宽限期偿还方式相比,具有更强的约束性,有利于实现量力而行、控制风险和均衡负担,是安全、公平的投融资长效机制.

  16. Do Mortgage Loans Respond Perversly to Monetary Policy?

    National Research Council Canada - National Science Library

    Al i Termos; Mohsen Saad

    2016-01-01

    .... Our major finding is that while commercial and industrial (C&I) loans and consumer loans respond to monetary policy asymmetrically according to theoretical predictions, mortgage loans show a reverse asymmetric response...

  17. The legality of unilateral increase of interest rate in banking loan contracts under Serbian law

    Directory of Open Access Journals (Sweden)

    Dudaš Atila I.

    2016-01-01

    Full Text Available The economic crisis spread in 2008 through the world and reached Serbia, rendered the repayment of banking loans indexed in foreign currencies, mostly in CHF at the time, even more difficult. The growing number of non-performing loans inevitably led to an increase in number of the court proceedings in which the debtors made attempts to have the loan contracts declared null and void. In these proceedings, the courts needed to take a stand on some typical clauses in loan contracts and on some banking practices that the debtors considered to be contrary to the principle of good faith, which, before the crisis, was hardly ever given judicial epilogue. In the majority of cases, two types of clauses proved to be unlawful: a clause establishing a right of the bank to subsequently, i.e. after the formation of the contract, and unilaterally, i.e. without a specific consent of the debtor, change (regularly increase the interest rate for the remainder of the credit period; and a clause establishing the right of the bank to apply different exchange rates, i.e. the buying rate to the disbursement of the loan, and the selling rate to the value of credit installments. These clauses certainly existed even before the crisis, but the difficulties in performing the loans caused by the crisis was the social propelling force that brought these cases within the sight of the judiciary. In this paper the author analyzes the reaction of courts, and subsequently that of the legislator, to the clause in loan contracts entitling the bank to unilaterally increase the variable interest rate after the formation of contract. The application of this clause was usually conditioned on significant changes in international financial markets or changes in the costs of the sources of financing, while in some cases the conditions of the application of the clause were simply changes in the business policy of the bank or the need to operate with profit. In any case, these are

  18. Linear dynamic model of production-inventory with debt repayment: optimal management strategies

    CERN Document Server

    Tuchnolobova, Ekaterina; Vasilieva, Olga

    2012-01-01

    In this paper, we present a simple microeconomic model with linear continuous-time dynamics that describes a production-inventory system with debt repayment. This model is formulated in terms of optimal control and its exact solutions are derived by prudent application of the maximum principle under different sets of initial conditions (scenarios). For a potentially profitable small firm, we also propose some alternative short-term control strategies resulting in a positive final profit and prove their optimality. Practical implementation of such strategies is also discussed.

  19. Research on the mode of petty loan for HIV-positive women's families in rural areas%农村地区HIV阳性妇女家庭小额贷款模式研究

    Institute of Scientific and Technical Information of China (English)

    周月姣; 崔岩; 谭广杰; 韦锦平

    2013-01-01

    OBJECTIVE To analyze the mode of petty loan for HIV-positive women's families so as to provide the experience for the similar activities.METHODS We provided the petty loan to HIV-positive women's families and offered technical support to help their families to resume production,increase income and improve the quality of life.RESULTS During the project,70 HIV-positive women's families received the petty loan,of which 36 families engaged in aquaculture (51.43%),24 families engaged in small business (34.29%),and 10 families engaged in planting (14.29%).41 families timely repayed (58.57%),19 families failed the loan (27.14%) and 10 families made an overdue repayment (14.29%).The total loan was 211 400 RMB,repayment was 103 575 RMB and net profit was 137 400 RMB.The petty loan improved the economic situation of the HIV-positive women's families,enhanced their self-confidence and the communication between HIV-positive women and the persons engaged in HIV/AIDS prevention and promoted the better development of the local HIV/AIDS prevention and control.CONCLUSION The petty loan could help the HIV-positive women who have difficulties of life to resume production,increase their income and improve quality of life.The assessment should be done before the loan and technical support should be provided continuously depend on different type of loan.In addition,the petty loan should combine with local poverty alleviation and civil affairs assistance so as to make it sustainable.%目的 分析HIV阳性妇女家庭小额贷款模式,为开展类似活动提供经验.方法 为HIV阳性妇女家庭发放小额贷款,并提供技术支持,帮助其家庭恢复生产、增加经济收入、提高生活质量.结果 项目期间,共为70个阳性妇女家庭提供了小额贷款,其中养殖36人、占51.43%,小型经营24人、占34.29%,种植10人、占14.29%;到期还款41人、占58.57%,贷款失败19人、占27.14%,未到还款期限10人、占14.29%;

  20. Loan sales under asymmetric information

    OpenAIRE

    Vargas Martínez, Mónica

    2010-01-01

    Loans are illiquid assets that can be sold in a secondary market even that buyers have no certainty about their quality. I study a model in which a lender has access to new investment opportunities when all her assets are illiquid. To raise funds, the lender may either borrow using her assets as collateral, or she can sell them in a secondary market. Given asymmetric information about assets quality, the lender cannot recover the total value of her assets. There is then a role for the governm...

  1. 7 CFR 1735.100 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Toll Line... depreciation of the facilities, any concurrences with the connecting companies involved, and a...

  2. Tranching in the Syndicated Loan Market

    NARCIS (Netherlands)

    Cumming, D.; McCahery, J.A.; Schwienbacher, A.

    2011-01-01

    We use data comprising over 100,000 loans from 115 countries during 1995-2009 to examine factors that affect the extent of loan tranching, and the range of tranche spreads. The data show five factors that drive them: asymmetric information, borrower risk, transaction costs, the presence of

  3. 75 FR 54005 - Conservation Loan Program

    Science.gov (United States)

    2010-09-03

    ... reasonable to require a lender to perform as intensive a cash flow analysis as is necessary for applicants... and not being converted to cash to reduce the loan amount. Currently, downpayment loans and youth... practices due to increasing pressure to minimize or eliminate: (1) Surface water quality deterioration from...

  4. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... borrower distress or default; (4) Provide for sharing of risk; (5) Set forth conditions for the offering and acceptance of the loan participation and termination of the agreement; (6) Provide for sharing of... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest...

  5. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

    Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat

    2013-01-01

    The Danish mortgage market has undergone considerable changes during the last 15 years. New and more complex variations of loan products have been introduced. Nevertheless, mortgage loan advice has remained, by large, unchanged. This paper addresses a study where a number of new refinancing rules...

  6. Foreign Currency Loans - Demand or Supply Driven?

    NARCIS (Netherlands)

    Brown, M.; Kirschenmann, K.; Ongena, S.

    2009-01-01

    Motivated by current concerns over foreign currency exposures in emerging economies, we examine the currency denomination of business loans made in Bulgaria prior to the current crisis. We analyze information on the requested and granted currency for more than hundred thousand loans granted by one b

  7. Rising interest rates, bank loans, and deposits

    OpenAIRE

    Hesna Genay; Darrin Halcomb

    2004-01-01

    The authors show how the relationships between interest rate changes, deposit growth rates, and loan growth rates have changed in the last ten years, discuss some possible reasons, and assess the likely impact of rising interest rates on loans and deposits going forward.

  8. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ...: n = the term of the loan; ib = the benchmark interest rate for uncreditworthy companies; if = the long-term interest rate that would be paid by a creditworthy company; pn = the probability of default... commercial loans. (iii) Exception for uncreditworthy companies. If the Secretary finds that a firm...

  9. FEATURES OF LOAN COMMITMENTS IN FINANCIAL OBLIGATIONS

    Directory of Open Access Journals (Sweden)

    Kolomiets E. A.

    2015-01-01

    Full Text Available The article has examined the legal nature of borrowings. The author carries out a comparative legal analysis of debt obligations in comparison with the obligations arising from the contract of bank deposit, bank account agreement, loan agreement, factoring agreement, the insurance contract, the contract of storage. On the basis of a comparative research of the obligations arising from the loan agreement with the other financial liabilities we have determined the state of borrowings in the financial obligations. The author proves the general nature of the obligation of the loan in relation to other financial obligations. A contract of loan for the purpose of its subject and obligations arising from it is much closer to the lease contract and the loan, rather than to the same insurance contract or bank deposit. Borrowings are different from financial obligations only by the fact that its objects are things that contain generic characteristics, interchangeable and not individually defined, as it is in the case of contracts of property employment and loans. An important difference between the loan agreements from other financial instruments is the fact that in the loan agreement the property is transferred to the ownership and not in the possession and use of the borrower

  10. Economic Loan Loss Provision and Expected Loss

    Directory of Open Access Journals (Sweden)

    Stefan Hlawatsch

    2010-10-01

    Full Text Available The intention of a loan loss provision is the anticipation of the loan's expected losses by adjusting the book value of the loan. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and, in the case of a difference, liable equity has to be adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS. Therefore, differences between loan loss provisions and expected losses should only result from different approaches regarding the parameter estimation within each model and not due to different assumptions regarding the outcome of the model. The provisioning and accounting model developed in this paper overcomes the before-mentioned shortcomings and is consistent with an economic rationale of expected losses. Additionally, this model is based on a close-to-market valuation of the loan that is in favor of the basic idea of IFRS. Suggestions for changes in current accounting and capital requirement rules are provided.

  11. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... the OGC determines the Form to be inappropriate, real estate mortgage Form FmHA or its...

  12. 7 CFR 1822.265 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE....C. 1480; delegation of authority by the Sec. of Agri., 7 CFR 2.23; delegation of authority by...

  13. 38 CFR 6.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... exceed 94 percent of the cash value, and any indebtedness shall be deducted from the amount advanced on such loan. The loan shall bear interest at a rate not to exceed 5 percent per annum, payable annually... or exceed the cash value thereof. When the amount of the indebtedness equals or exceeds the...

  14. The Effect of Social Capital on Customer’s Repayment Rate at Islamic Microfinance Institution

    Directory of Open Access Journals (Sweden)

    Jaenal Effendi

    2016-07-01

    Full Text Available The potency of Micro and Small Enterprises (MSEs in Indonesia which is great, is not directly proportional to the ease of getting capital from formal financial institutions such as banks because it is not bankable. Meanwhile, microfinance institutions (MFIs that provide financing to the MSEs are currently thriving. This condition exposes the existence of factors that cause the MFIs continuesly providing financing to MSEs which are not bankable. This research aims to analyze the effect of social capital toward the repayment rate of Islamic MFIs’ customers. The methods used in this research was the logistic regression. The results showed variable relationship with BMT employees, relations with other customers, and Islamic recitation had positive and significant effect toward the repayment rate of the customer. While recommendations, membership status, and travel time from home to the BMT had negative and significant effect.  Variable outside the social capital indicator which is income rate had no significant effect.DOI: 10.15408/aiq.v8i2.2631

  15. 7 CFR 3.42 - Debtor rights to inspect or copy records, submit repayment proposals, or request administrative...

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Debtor rights to inspect or copy records, submit repayment proposals, or request administrative review. 3.42 Section 3.42 Agriculture Office of the Secretary of Agriculture DEBT MANAGEMENT Administrative Offset § 3.42 Debtor rights to inspect or copy...

  16. 46 CFR 308.526 - Certificate for repayment of decrease of collateral deposit fund, Form MA-306.

    Science.gov (United States)

    2010-10-01

    ... deposit fund, Form MA-306. 308.526 Section 308.526 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF... Insurance § 308.526 Certificate for repayment of decrease of collateral deposit fund, Form MA-306. The..., Form MA-306, may be obtained from the American War Risk Agency or MARAD....

  17. 12 CFR 313.48 - Special review of repayment agreement or salary offset due to changed circumstances.

    Science.gov (United States)

    2010-01-01

    ... for special review, the employee shall submit to the Director a detailed statement and supporting... current salary offset or payments result in extreme financial hardship to the employee. (d) The Director... request a special review by the Director of the amount of the salary offset or voluntary repayment,...

  18. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a...

  19. 7 CFR 1610.5 - Minimum Bank loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a...

  20. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following...

  1. DEVELOPMENT OF LOAN MODULE USING BUSINESS RULES ENGINE

    Directory of Open Access Journals (Sweden)

    Sachin Chaware

    2015-10-01

    Full Text Available Banking loan module is a runtime business application. It is the automatic processing of all the loans, due to which the loan form can be filled from anywhere and the bank person approves loan within short span of time. There is very big crowd to fill the loan form manually which is very tiresome job. Also the manual process is very lengthy process which requires 3 days for approval of loan. Our customers will having their loan applications approved within 60 minutes of lodging the application instead of 3 days as per the paper-centric solution we were persisting with. This paper consists of method of development of dynamic loan module system which includes the loan origination process, loan form filling process and loan verification process. The method is developed by using the RETE pattern matching algorithm. Due to which the loan module system becomes very fast and work effective. In addition to this loan module system, we have also developed the CIBIL score generating system for the approved loan applications and determination of rupee dollar rate and calculation of rate of interest of loans. Due to which the manager originates the roi of loans that also helps the manager to stabilize the India’s economy and prevents itself from recession and other economic falls.

  2. 7 CFR 1940.591 - Community Program Guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Community Program Guaranteed loans. 1940.591 Section... Loan and Grant Program Funds § 1940.591 Community Program Guaranteed loans. (a) Amount available for... transition formula for Community Program Guaranteed loans is not used. (e) Base allocation. See §...

  3. 5 CFR 1655.6 - Amount of loan.

    Science.gov (United States)

    2010-01-01

    ... Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.6 Amount of loan. (a) Minimum amount. The initial principal amount of any loan may not be less than $1,000. (b) Maximum amount. The principal amount of a new loan must be less than or equal to the smallest of the following: (1...

  4. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by...

  5. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity...

  6. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... maturity date of the loan. Title, all rights, and interest to such sugar shall immediately vest in CCC. (g) The value of the settlement of loans shall be made by CCC according to the CCC schedule of premiums... processor does not redeem any of the nonrecourse loan collateral, title to the unredeemed nonrecourse loan...

  7. Kosovo farmers demand for agricultural loans

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Jehona Shkodra

    2016-07-01

    Full Text Available Funding is essential issue for the development of a business, but how the funding will be covered is the issue selected by the financial situation of entrepreneurs. One of the forms of financing is also agricultural loan, but, how is the demand of farmers for these loans and what size of farms request more loans are questions which we will explain in this paper realized by interviews of 250 farmers in five regions of Kosovo (Pristina, Gjilani, Mitrovica, Peja and Prizren during period of March - September 2013. Data will be processed in SPSS 16.0 program through the production function Cobb - Douglas, regression method - Ordinary Least Square.

  8. Crop price indemnified loans for farmers

    OpenAIRE

    Karlan, Dean; Kutsoati, Ed; McMillan, Margaret; Udry, Chris

    2010-01-01

    Farmers face a particular set of risks that complicate the decision to borrow. We use a randomized experiment to investigate (1) the role of crop-price risk in reducing demand for credit among famers and (2) how risk mitigation changes farmers’ investment decisions. In rural Ghana, we offer farmers loans with an indemnity component that forgives 50 percent of the loan if crop prices drop below a threshold price. A control group is offered a standard loan product at the same interest rate. We ...

  9. Agriculture loan insurance contract and performance

    OpenAIRE

    Ozaki,Vitor Augusto

    2011-01-01

    Agricultural loan insurance is one of the main risk transfer mechanisms used by the producers in some regions of the country. This insurance guarantees a percentage of the loan budget, thus assuring the payment of the agreed financing. Initially the present article analyzes the State of São Paulo Insurance Company (Companhia de Seguros do Estado de São Paulo - Cosesp) loan insurance origins and evolution, and later on its expansion to other States. Moreover, it details the main features of th...

  10. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal Direct... qualifications may have a portion of their Federal Perkins Loan (Perkins Loan), Federal Family Education...

  11. 12 CFR Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates

    Science.gov (United States)

    2010-01-01

    ... Period 1 is a two-year loan period. (2) Loan Period 2 is the life expectancy in years of the youngest... 1979-1981 for females, rounded to the nearest whole year. (3) Loan Period 3 is the life expectancy figure in Loan Period 3, multiplied by 1.4 and rounded to the nearest full year (life expectancy...

  12. Too Much Loving-Kindness to Repay: Funeral Speeches of the Wenquan Pumi

    Directory of Open Access Journals (Sweden)

    Gerong Pincuo

    2013-12-01

    Full Text Available Two Pumi funeral speech rituals of the Wenquan Pumi area in northwestern Yunnan Province illustrate the traditional genre of speeches through their use of metaphor and parallellism. The speeches express the central concept of giving and repaying that plays an important role in strengthening social cohesion among Pumi relatives. This study introduces two interlinear Pumi (autonym ʈʰɔ́ŋmə 'White People' funeral speeches from the Wenquan area of Southwest China that provide readers insight into the structure of the language and the beauty of its verbal art, something that is easily lost in translation. Due to China's push for rapid modernization, many minority languages are under great pressure – some are already disappearing. A record of traditional verbal art in its original language is thus valuable for language and culture documentation.

  13. Credit: Educational Loans, Money Management, Credit Cards

    Science.gov (United States)

    Nation's Schools and Colleges, 1974

    1974-01-01

    Brief notes discuss current developments such as a bank loan program for parents with university-age children; a high school student-run credit union; and charging education fees with credit cards. (JF)

  14. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the

  15. 34 CFR 674.39 - Loan rehabilitation.

    Science.gov (United States)

    2010-07-01

    ... crime involving fraud in obtaining title IV, HEA program assistance. The institution's loan... credit history. (c) Collection costs on a rehabilitated loan— (1) If charged to the borrower, may...

  16. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — The Allegheny Home Improvement Loan Program (AHILP) is the most affordable way for eligible Allegheny County residents to rehabilitate and improve their homes....

  17. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

    In the recent twenty years, with China's reform and opening policy to the outside world, there is a sharp increase in English loan words in Chinese. On the one hand, it demonstrates that China's soft power has been booming up. But on the other hand, some language pollution in the meanwhile is caused by non-standard use of loan words in Chinese.…

  18. Loans may keep CERN collider on target

    CERN Multimedia

    Abbott, A

    1996-01-01

    The European Laboratory for Particle Physics (CERN) is considering taking out bank loans to fund its Large Hadron Collider project. CERN officials are evaluating this option in view of the German government's decision to substantially reduce its annual contributions to the project. They state that the bank loans may be the only way to complete the project by the year 2005, especially if other contributing nations follow Germany's lead.

  19. IMF Loans to Hungary, 1996–2008

    OpenAIRE

    György Csáki

    2013-01-01

    Hungary has been an IMF member since May 1982 and has since benefited from the IMF’s lending instruments on 11 occasions. The IMF loans supported economic transformation (in the period between 1988 and 1993), facilitated Hungary in overcoming the transformation recession (in 1996) and helped to tackle economic crisis (in 2008). This paper analyses the two latter IMF loans in order to provide background context to Hungary’s IMF negotiations, ongoing since November 2011.Ever since 1982, Hungary...

  20. National Asset Management Agency Management of Loans

    OpenAIRE

    Buckley, John

    2012-01-01

    Report of the Comptroller and Auditor General National Asset Management Agency – Management of Loans I have, in accordance with the provisions of Section 9 of the Comptroller and Auditor General (Amendment) Act, 1993, carried out an examination of the arrangements for the management of loans by the National Asset Management Agency. I hereby submit my report on the above examination for presentation to Dáil Éireann pursuant to Section 11 of the said Act. John Buckley Comptroller...

  1. University Loan Risk Control and Guard Discussion%高校贷款风险控制与防范机制安全

    Institute of Scientific and Technical Information of China (English)

    李楠

    2009-01-01

    The university loan is the university enhances own synthesis strength, to realize the leap frog development one fund raising way, but it also has certain loan administration out of control problem in its operation process and the fund operates, the total liabilities rate of rise to be excessively quickly improper, the loans interest increases, the present accounting system to the latent financial risk to reflect that the financial risk which and other social risks not full, uses in tightness of money which repays and so on to cause. This article proposed the university loan school financial risk corresponding guard and the countermeasure measure from the risk control and the guard angle.%高校贷款是高校提高自身综合实力、实现跨越式发展的一种资金筹措方式,但在其运作过程中也存在着一定的贷款管理失控问题和因资金运作不当、负债总额增长速度过快、贷款利息增加、现行会计制度对潜在财务风险反映不充分、用于还贷的资金不足等等所导致的财务风险及其他社会风险.从风险控制与防范的角度提出高校贷款办学财务风险相应的防范与对策措施.

  2. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... Program. (70 FR 69645). The pilot, including the waiver of regulations, was designed as a temporary... its waiver of the Agency regulations identified in the Federal Register notice at 70 FR 69645 with the... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business...

  3. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

    ... fees, except for filing fees; environmental and historic review fees including archaeological study... wiring; electrical motors; off-farm paid labor; on-farm site preparation and construction equipment costs... facility loans, the agency approval officials may only approve loans, subject to available funds....

  4. Direct Loans: A Better Way To Borrow. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC. Student Financial Assistance.

    The Web site http://www.ed.gov/DirectLoan/ provides information on the William D. Ford Federal Direct Loan Program for both professionals and borrowers. For professionals, it provides information on conferences, promissory notes, regulations, laws, and relevant links, as well as technical assistance, and other publications and guides. For…

  5. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

    ... provide loans to family farmers to buy real estate and equipment, and finance agricultural production... loans. FSA is required to actively supervise its borrowers and provide credit counseling, management advice, and financial guidance. Additionally, FSA must document that credit is not available to...

  6. 76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date

    Science.gov (United States)

    2011-07-19

    ... 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit.... 2252, the effective date of the final rule is 30 days from the date of publication in the...

  7. 50 CFR 600.1101 - Inshore fee system for repayment of the loan to harvesters of Pollock from the directed fishing...

    Science.gov (United States)

    2010-10-01

    ... type of end-user, or some other fish buyer not engaged in the business of buying fish from fish sellers... subpart requires to collect a fee shall maintain a segregated account at a federally insured financial... from the date of each transaction involved, at least the following information: (i) For all...

  8. Single Family Loan Sale Initiative - Neighborhood Stabilization Outcome Pool Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  9. 49 CFR 22.57 - Loan reporting requirements.

    Science.gov (United States)

    2010-10-01

    ....dot.gov/financial/docs/Loan_Activation_DOT_F_2303-1.pdf. The Participating Lender must also provide....osdbu.dot.gov/financial/docs/Loan_Close-Out_DOT_F_2304-1.pdf. To fulfill this requirement,...

  10. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

    ... Service 7 CFR Part 1735 RIN 0572-AC24 Expansion of 911 Access; Telecommunications Loan Program AGENCY... access and integrated emergency communications systems in rural areas for the Telecommunications Loan... Villano, Assistant Administrator, Telecommunications Program, USDA--Rural Utilities Service,...

  11. Viability of a student loan scheme in the Maldives

    OpenAIRE

    Shakeela, Fathimath

    2010-01-01

    Financing of higher education around the world are undergoing changes. Student financing is also being affected, the grants are being replaced with student loans. This trend can also be seen in the Maldives, where there is a move towards cost sharing in higher education. Many countries have implemented student loan schemes based on economical and social rationales. However, many student loans around the world are implemented with poor planning and for this reason many student loan schemes are...

  12. 7 CFR 1735.61 - Approval criteria.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Mortgage Controls... economic and loan-repayment feasibility characteristics of the proposed system are satisfactory; (2...

  13. Comparative Study of State-subsidized Student Loan Systems in Colleges and Universities%高等学校学生助学贷款制度的比较研究

    Institute of Scientific and Technical Information of China (English)

    郑芳

    2012-01-01

    The national student loan begins from 1999 and it plays an indispensable role in promoting educational equity, maintaining the stability of colleges and society, accelerating the harmonious socialist society.The article compares the student loan system in Japan, America, Korea and India and finds that it has such common features as government's high participation, good extemal operating environment, accurate positioning of student loan and various way to repay loan. Finally, the article puts forward some suggestions to improve China's national student loan system.%我国从1999年开始实行国家助学贷款试点工作,助学贷款政策的实施,推进了教育公平目标的实现,在维护高校稳定乃至社会稳定,加快推进社会主义和谐社会建设过程中发挥着不可或缺的作用。文章对日本、美国、韩国、印度四个国家的助学贷款制度进行了分析,认为其具有政府参与度高、外部运行环境良好、助学贷款定位准确、贷款偿还方式多元化等特点。提出完善我国国家助学贷款制度,应加大政府补贴力度、建立良好的运行环境、建立多元的学生还贷模式、积极开发国家助学贷款证券化二级市场、引入市场保险机制、保证助学贷款的公平性等。

  14. Reframing the Student Loan Costing Debate: The Benefits of Competition

    Science.gov (United States)

    Galloway, Fred; Wilson, Hoke

    2005-01-01

    As debate in Washington heats up regarding congressional reauthorization of the Higher Education Act, a central question involves what to do about the continued coexistence of the two student loan programs--the Federal Family Education Loan Program (FFELP) and the Direct Loan Program (DLP). With hundreds of millions of dollars at stake for banks,…

  15. 34 CFR 682.216 - Teacher loan forgiveness program.

    Science.gov (United States)

    2010-07-01

    ... Consolidation Loans or Direct Consolidation Loans. The forgiveness program is only available to a borrower who... receive up to $5,000 of loan forgiveness if the borrower— (A) Demonstrated knowledge and teaching skills... special education training corresponded to the children's disabilities and who has demonstrated knowledge...

  16. 34 CFR 682.508 - Assignment of a loan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Assignment of a loan. 682.508 Section 682.508 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan...

  17. Gender and Banking : Are Women Better Loan Officers?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Guttler, A.

    2009-01-01

    We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than lo

  18. 12 CFR 204.132 - Treatment of loan strip participations.

    Science.gov (United States)

    2010-01-01

    ... selling the loan or participation in effect must buy back the loan or participation at the maturity of the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Treatment of loan strip participations. 204.132... RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.132 Treatment of...

  19. Do Lower Lender Subsidies Reduce Guaranteed Student Loan Supply?

    Science.gov (United States)

    Austin, D. Andrew

    2010-01-01

    The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous…

  20. 50 CFR 12.36 - Donation or loan.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 1 2010-10-01 2010-10-01 false Donation or loan. 12.36 Section 12.36... SEIZURE AND FORFEITURE PROCEDURES Disposal of Forfeited or Abandoned Property § 12.36 Donation or loan. (a... and security for the item. (b) Any donation or loan may be made only after execution of a...

  1. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AD05 William D. Ford Federal Direct Loan Program AGENCY: Office of Postsecondary... of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new...

  2. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... ID ED-2008-OPE-0009] William D. Ford Federal Direct Loan Program AGENCY: Department of Education... (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public... for Postsecondary Education. Accordingly, 34 CFR part 685 is corrected as follows: PART 685--WILLIAM...

  3. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

    ... May 16, 2013 Part II Department of Education 34 CFR Part 685 William D. Ford Federal Direct Loan... Regulations#0;#0; ] DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AD13 William D. Ford Federal Direct Loan...; request for comments. SUMMARY: The Secretary amends the William D. Ford Federal Direct Loan...

  4. 7 CFR 1421.13 - Special loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ... hay and silage derived from an eligible loan commodity as provided in § 1421.5 are eligible to request unshorn pelt, hay, and silage quantities for a loan deficiency payment under subpart C of this part. (2) Unshorn pelts, hay, and silage derived from an eligible loan commodity are not eligible to be pledged...

  5. 13 CFR 120.546 - Loan asset sales.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section 120.546 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Servicing... a defaulted 504 loan in an asset sale conducted or overseen by SBA. Homestead Protection for Farmers...

  6. 12 CFR 614.4460 - Loan approval responsibility.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loan approval responsibility. 614.4460 Section 614.4460 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... approval of such loans by the appropriate bank board, or establishment of a policy under which...

  7. 7 CFR 1900.6 - Chair, Loan Resolution Task Force.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Chair, Loan Resolution Task Force. 1900.6 Section... AGRICULTURE PROGRAM REGULATIONS GENERAL Delegations of Authority § 1900.6 Chair, Loan Resolution Task Force. The Chair, Loan Resolution Task Force is delegated the following authorities, to be exercised...

  8. Loan collaterals and collateral substitutes in rural finance: a review ...

    African Journals Online (AJOL)

    Loan collaterals and collateral substitutes in rural finance: a review. ... Subscription or Fee Access ... Poor farm households and other microentrepreneurs have difficulties in obtaining loans from banks and other financial institutions because ... of non-traditional methods of loan security referred to as collateral substitutes.

  9. A Basic Library for Savings and Loan Associations: A Bibliography.

    Science.gov (United States)

    Westfall, Elizabeth W.; Zimmerman, Anne R.

    Recognizing that current and reliable sources of information are necessary for effective management and decision making, librarians of the Federal Home Loan Bank of San Francisco and the Federal Home Loan Bank in Seattle prepared this booklet listing what they feel are the basic books and periodicals essential to a savings and loan library…

  10. Loan Market Competition and Bank Risk-Taking

    NARCIS (Netherlands)

    Wagner, W.B.

    2007-01-01

    Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when

  11. Bank loan portfolios and the Canadian monetary transmission mechanism

    NARCIS (Netherlands)

    W.J. den Haan; S.W. Sumner; G.M. Yamashiro

    2009-01-01

    Following a monetary tightening, bank loans to consumers decrease. This is true for both mortgage and non-mortgage loans, and it is true for a tightening by the Bank of Canada that is, and is not, a response to a tightening by the Federal Reserve System. In contrast, business loans increase followin

  12. 7 CFR 1822.276 - Subsequent RHS loans.

    Science.gov (United States)

    2010-01-01

    ... GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... 7 Agriculture 12 2010-01-01 2010-01-01 false Subsequent RHS loans. 1822.276 Section 1822.276 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL...

  13. 7 CFR 1822.273 - Actions subsequent to loan approval.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing... 1822.273 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE.... After the loan is approved, actions to be taken will be in accordance with 7 CFR part 3560, subpart B....

  14. 7 CFR 1822.279 - Loan supervision and servicing.

    Science.gov (United States)

    2010-01-01

    ... LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site....279 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL... supervision and loan servicing will be provided according to 7 CFR part 3560....

  15. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Expedited telecommunications loans 1703.112 Section... § 1703.112 Expedited telecommunications loans RUS will expedite consideration and determination of an application submitted by an RUS telecommunications borrower for a loan under the Act or an advance of...

  16. 49 CFR 22.63 - Loan close outs.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Loan close outs. 22.63 Section 22.63 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Loan Administration... Form. The form is available at http://www.osdbu.dot.gov/financial/docs/Loan_Close-Out_DOT_F_2304-1.pdf....

  17. 34 CFR 685.205 - Forbearance.

    Science.gov (United States)

    2010-07-01

    ... borrower entered repayment without the Secretary's knowledge until the first payment due date was... deferment, forbearance, change in repayment plan, or consolidation loan. Interest that accrues during this...

  18. Terms and conditions for Diesel Emissions Reduction Act Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon

    Science.gov (United States)

    Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.

  19. Farmers and Herders Benefit From Bank Loans

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    From 2000 to the end of 2004, the Tibet Branch of Agricultural Bank provided farmers and herders with loans that helped raise their average net income from 1,342 Yuan to 1,863 Yuan during the period.The net increase in income totaled nearly 1.1 billion Yuan.

  20. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

    ... justified. The local government shall also provide the latest available data on anticipated and actual tax... management system, to account for loan funds received and disbursed and to provide an audit trail. (2) FEMA... the United States or their duly authorized representatives shall, for the purpose of audits...

  1. Lender Profitability in the Student Loan Program.

    Science.gov (United States)

    Jenkins, Sarah

    This report provides results of a study that measured lender profitability in the Guaranteed Student Loan (GSL) program and compares these results with the profitability of other types of lending. Data analysis reveals credit card lending to be the highest average level of profitability over the 5-year period considered. Other lending types, in…

  2. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... entity by each member, or the percentage of interest in the entity held by each member; (ii) A current... entity itself; (iv) A copy of the entity's charter or any entity agreement, any articles of incorporation... reasonable rates and terms, including a loan guaranteed by the Agency; (7) Documentation of compliance with...

  3. Evaluating the Student Loan Fund of Thailand

    Science.gov (United States)

    Tangkitvanich, Somkiat; Manasboonphempool, Areeya

    2010-01-01

    The Thai higher education sector has expanded quickly during the past decade, making a transition from an elitist to a mass institution. A driving force behind the expansion was believed to be the Student Loan Fund (SLF), introduced in 1996. During the first 10 years of its operation, the SLF has lent to more than 2.6 million students, with the…

  4. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

    ... loan amounts and operations in the growing segment of family farms engaged in organic farming and... training, or farming experience; have an acceptable credit history; and have adequate collateral for the... market and yield data. Additional guidance on organic and less traditional crops is also being...

  5. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... because of a lack of expertise, an inadequate loan agreement, the condition of or lack of control over the... circumstances indicate that criminal violations may have been committed by an applicant, a borrower, or third... Public Law 103-354 office) for criminal investigation. Any questions as to whether a matter should...

  6. The Translation of Loans: Anglicisms in German.

    Science.gov (United States)

    Barbe, Katharina

    1994-01-01

    Discusses the existence of anglicisms in German as a problem for the practice and teaching of translation, in which attention must be paid to the status of loans in the German linguistic and social system. Offers an approach to the translation of transparent anglicisms and proposes a method of translation. (SR)

  7. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... financial statements required by the Loan Agreement. The lender must submit the borrower's annual financial... the financial statements and provide the Agency with a written summary of the lender's analysis and...; obtaining and analyzing financial statements; verifying the payment of taxes and insurance premiums;...

  8. 7 CFR 3575.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... statements required by the Loan Agreement. The lender must submit the borrower's annual financial statements... financial statements and provide the Agency with a written summary of the lender's analysis and conclusions... analyzing financial statements; verifying the payment of taxes and insurance premiums; and maintaining......

  9. 7 CFR 1781.6 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... title to lands or perpetual easements, or rights-of-way for sites for works of improvement or project... perpetual and must not include clauses that terminate the easement with the dissolution or abandonment of..., managing, and accounting for activities related to loan processing and closing and development for...

  10. Library Loans to the Schools of Engineering.

    Science.gov (United States)

    Drake, Miriam A.; Kulm, Joan

    To examine library usage by faculty and students in the Schools of Engineering at Purdue University, data was analyzed from a sample of 12,000 loans during a three month period. User level (graduate student, undergraduate, faculty, or staff) and subject of borrowed material as indicated by Dewey Decimal Classification were examined for each major…

  11. 7 CFR 4274.314 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... existing businesses, creation of employment opportunities, or saving existing jobs. Such loans may include... from closing, prevent the loss of employment opportunities, or provide expanded job opportunities. (2... intermediary that the project is viable and refinancing is necessary to create new or save existing jobs...

  12. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... of the annual poverty guideline amount for the borrower's State and family size. Borrowers who repay... borrower's AGI and 150 percent of the annual poverty guideline amount for the borrower's State and family....221(a)(4) would reflect the statutory definition of ``new borrower'' for purposes of the changes to...

  13. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

    Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.

  14. The Moderating Role of Loan Monitoring on the Relationship between Macroeconomic Variables and Non-performing Loans in Association of Southeast Asian Nations Countries

    National Research Council Canada - National Science Library

    Ismail Tijjani Idris; Sabri Nayan

    2016-01-01

    The lending banks’ function of loan monitoring plays an important role in sustaining quality loan portfolios and protects risk assets against deterioration thereby keeping Non-Performing Loans (NPLs...

  15. Funding for self-employment of people with disabilities. Grants, loans, revolving funds or linkage with microfinance programmes.

    Science.gov (United States)

    de Klerk, Ton

    2008-03-01

    In 2005, Handicap International commissioned a study on the practices of funding for self-employment activities of people with disabilities (PWD), with a special focus on access to microfinance. The overall goal of the study was to produce a framework document highlighting good practices, strategies, tools and operational methods that guarantee the efficiency and sustainability of self-employment projects for PWDs. The first phase of the study consisted of a literature review and a worldwide survey. Through this first phase the research team identified the most innovative programmes for further analysis through field visits. In the second phase field visits were conducted in Afghanistan, Bangladesh, Ethiopia, India, Kenya, Nicaragua and Uganda, while regional workshops were organised in Dhaka and Nairobi. Phase three involved consolidation and analysis of the information and finally drafting of the framework document. This paper summarises the findings and good practices as presented in the framework document, based on the results of the literature review, the survey and the field research. It is not a scientific paper, i.e. it doesn't contain a discussion of the literature reviewed or systematic reference to sources, the same as the document on which it is based, as it is primarily meant for 'practitioners'. A main finding of the study was that there is no single 'best solution' to funding of self employment activities. While inclusion of PWDs in existing microfinance institutions (MFIs) is the preferred strategy, guaranteeing efficiency, sustainability and future access to funding for the target group, it was found that in reality many PWDs do not have access to microfinance programmes. This can be explained by stigmatisation of PWDs by staff of MFIs, who do not believe in their income earning and repayment capacity, and self-exclusion by PWDs. To fight against it projects have been set-up linking MFIs with programmes for PWDs, focusing on better information

  16. 77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

    Science.gov (United States)

    2012-08-01

    ...; Federal Perkins Loan Program Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory... records. Title of Collection: Federal Perkins Loan Program Master Promissory Note. OMB Control...

  17. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

    We estimate a model of house prices, combined loan-to-value ratios (CLTVs) and trade and foreclosure behavior. House prices are only observed for traded properties and trades are endogenous, creating sample-selection problems for existing approaches to estimating CLTVs. We use a Bayesian filterin...... by existing approaches. Our results reduce the index revision problem and have applications for pricing mortgage-backed securities....

  18. Deposits, Loans and Banking: Clarifying the Debate

    OpenAIRE

    Bagus, Philipp; Howden, David; Block, Walter

    2013-01-01

    The relationship between banking deposits and loans remains a contentious topic. While the defense of a 100 percent reserve clause to eliminate fractional reserves has commonly been asserted on economic and ethical grounds, new legal arguments found in Jesús Huerta de Soto (2006) remain largely ignored. We address Michael S. Rozeff’s (2010) recent article as a case in point of this ignorance. Contrary to supporters of fractional reserve demand deposits, we show that such a contract – one trea...

  19. 13 CFR 123.100 - Am I eligible to apply for a home disaster loan?

    Science.gov (United States)

    2010-01-01

    ... disaster loan? 123.100 Section 123.100 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.100 Am I eligible to apply for a home disaster loan? (a) You are eligible to apply for a home disaster loan if you: (1) Own and occupy your primary...

  20. 13 CFR 123.303 - How can my business spend my economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

    ... economic injury disaster loan? 123.303 Section 123.303 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.303 How can my business spend my economic injury disaster loan? (a) You can only use the loan proceeds for working capital necessary...

  1. The effect of organizational hierarchy on loan rates and risk assessments

    NARCIS (Netherlands)

    J. Bouwens; P. Kroos

    2012-01-01

    We examine whether loan decisions are affected by the internal decision structure of the bank. Banks typically grant decision rights on straight-forward loans entirely to individual loan officers. For more risky loans these officers have to seek ratification for their loan proposals at higher hierar

  2. 7 CFR 1610.10 - Determination of interest rate on Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan fund advances made on or after December 22, 1987 under Bank loans approved on or after October 1,...

  3. 13 CFR 120.1712 - Seller responsibilities with respect to Seller's Pool Loan.

    Science.gov (United States)

    2010-01-01

    ... respect to Seller's Pool Loan. 120.1712 Section 120.1712 Business Credit and Assistance SMALL BUSINESS... Loan Pools § 120.1712 Seller responsibilities with respect to Seller's Pool Loan. Seller shall remain obligated for servicing and liquidating Seller's Pool Loan until the Pool Loan is repaid in full unless...

  4. 7 CFR 1781.20 - Disbursement of WS and RCD loan funds and WS advance funds.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Disbursement of WS and RCD loan funds and WS advance... (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.20 Disbursement of WS and RCD loan funds and WS advance funds. (a) WS and RCD loan funds will be disbursed by the processing office in accordance...

  5. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Concurrent Bank and RUS cost-of-money loans. 1610.6..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.6 Concurrent Bank and RUS cost-of-money loans. (a) The Bank makes loans, under section 408 of the Act, concurrently with RUS cost-of-money loans made under section...

  6. 13 CFR 120.1880 - How will the loan be repaid?

    Science.gov (United States)

    2010-01-01

    ... will reduce the SISMBD Loan balance. (d) If the SISMBD Loan has a balance when a payment is required or... Loan Program) § 120.1880 How will the loan be repaid? (a)The monthly payments of principal and interest... forward such payments to SBA or its loan servicing agent as directed by SBA. The payments will be used to...

  7. Managing Bad Loans of Domestic Banks under Modern Economic Conditions

    Directory of Open Access Journals (Sweden)

    Bolhar Tetyana M.

    2014-01-01

    Full Text Available The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of their conduct and identifies advantages and shortcomings of their application both for a bank and a borrower. Prospect of further studies in this direction is improvement of methods of assessment of bad loans, in particular, development of methodological approaches to identification of assessment of profitability of bad loans as an important element of the system of management of bad loans of a bank.

  8. Centralized Debtor Database for Instant Loan Creditors - New Service Concept

    OpenAIRE

    Porko, Pia

    2009-01-01

    This thesis was conducted to evaluate and clarify a service idea regarding a centralized data-base collecting credit information about instant loan applicants to be shared with instant loan creditors as a means to decrease credit losses. The initial idea was formulated by Tentacle Networks Oy and generated into a ready-to-launch service concept along the process of this thesis. The number of instant loans granted yearly has only accelerated since 2005 when the first service provider pene...

  9. Competition or collaboration? The reciprocity effect in loan syndication

    OpenAIRE

    Jian Cai

    2009-01-01

    It is well recognized that loan syndication generates a moral hazard problem by diluting the lead arranger's incentive to monitor the borrower. This paper proposes and tests a novel view that reciprocal arrangements among lead arrangers serve as an effective mechanism to mitigate this agency problem. Lender arrangements in about seven out of ten syndicated loans are reciprocal in the sense that lead arrangers also participate in loans that are led by their participant lenders. I develop a mod...

  10. 20 CFR 1002.264 - Is the employee allowed to repay a previous distribution from a pension benefits plan upon being...

    Science.gov (United States)

    2010-04-01

    ... distribution from a pension benefits plan upon being reemployed? 1002.264 Section 1002.264 Employees' Benefits... and Benefits Pension Plan Benefits § 1002.264 Is the employee allowed to repay a previous distribution from a pension benefits plan upon being reemployed? Yes, provided the plan is a defined benefit plan...

  11. THE LOAN CONTRACT IN THE NEW CIVIL CODE

    Directory of Open Access Journals (Sweden)

    LIVIA MOCANU

    2012-05-01

    Full Text Available The new Civil Code maintains, mainly, the stipulations of the Civil Code of 1865 regarding loan contracts, in its both forms (the loan for use and the loan for consumption. As a variety of the loan for consumption, a few new specific stipulations were included, regarding the loan with interest.This research is focused on the current regulation of the loan contract, including a series of changes, of which the most important refers to: the loan promise, the risk regarding the asset placed in a bailment, property transfer and the risk in the loan for consumption contract, loan return and the interest regime. Also, what kept my attention is the significant changes brought to the interest regime by the Law for applying the Civil Code, included for now in Chapter I of the O.G. no. 13/2011, regarding the legal compensatory interest and the penalty interest for financial duties, as well as for the regulation of certain financial-fiscal measures in the banking department.

  12. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

    ... Energy Efficiency and Conservation Loan Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of... assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by...

  13. Tax-exempt bank loans still an option for providers.

    Science.gov (United States)

    Ostlund, Grant; Cheney, John E

    2011-07-01

    In evaluating the potential for tax-exempt bank financing, healthcare organizations should carefully consider: Pricing. Loan structure. Security requirements (such as financial covenants and default remedies).

  14. Tying loan interest rates to borrowers' CDS spreads

    OpenAIRE

    Ivanov, Ivan T.; Santos, Joao A. C.; Vo, Thu

    2014-01-01

    We investigate how the introduction of market-based pricing, the practice of tying loan interest rates to credit default swaps, has affected borrowing costs. We find that CDS-based loans are associated with lower interest rates, both at origination and during the life of the loan. Our results also indicate that banks simplify the covenant structure of market-based pricing loans, suggesting that the decline in the cost of bank debt is explained, at least in part, by a reduction in monitoring c...

  15. 12 CFR Appendix A to Subpart A of... - Federal Home Loan Banks

    Science.gov (United States)

    2010-01-01

    ... Board Pt. 905, Subpt. A, App. A Appendix A to Subpart A of Part 905—Federal Home Loan Banks Federal Home... Federal Home Loan Bank District 9 (Arkansas, Louisiana, Mississippi, New Mexico, Texas) Federal Home Loan...

  16. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan (Direct... of Collection: William D. Ford Federal Direct Loan (Direct Loan) Program Federal Direct PLUS...

  17. 38 CFR 11.83 - Additional loans by reason of 50 percent loan value.

    Science.gov (United States)

    2010-07-01

    ... World War Adjusted Compensation Act, as amended, up to the date of the check issued to the bank. If the... the veteran, interest will be payable up to the date the check is issued to the bank, or, if demanded by the bank, up to the maturity date of the loan. (b) If, however, an application for...

  18. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

    ....203; or (ii) Exceeds the student's estimated cost of attendance less— (A) The student's estimated... October 1, 2011, the school in which the student is enrolled has a cohort default rate, calculated under... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate...

  19. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... require federally insured credit unions (FICUs) to maintain written policies that address the management... guidance entitled ``Uniform Retail Credit Classification and Account Management Policy.'' 65 FR 36903 (June... compliance. The Board seeks to ensure loan workout management is subject to written credit union policies...

  20. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... population density, calculated as the total number of persons in the service area divided by the square miles of the service area. The maximum population density requirement will be published by RUS in the... be, will neither be paid first nor given any preference or priority over the Guaranteed Loan Amount...

  1. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... entitled to patronage, voting, or other shareholder rights under the FCA regulations or institution bylaws... entitled to certain ``borrower rights.'' \\6\\ Failed bank borrowers with agricultural or cooperative loans... lending authority would be subject to borrower rights and would be restructured or foreclosed,...

  2. Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange

    OpenAIRE

    Sitorus, Vera Yohana

    2015-01-01

    This research entitled “Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange”. This research aims to respond any questions about factors influence the Non Performing Loan at the go public bank at Indonesia Stock Exchange. The bad loan is always found in banking loan activity. Therefore the bank always minimizes the bad loan to fulfill the requirement of Central Bank as the bank supervisors. The bad loan is total debt loan plus the doubt loan an...

  3. 34 CFR 685.217 - Teacher loan forgiveness program.

    Science.gov (United States)

    2010-07-01

    ... Consolidation Loans or Direct Consolidation Loans. The forgiveness program is only available to a borrower who... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...'s disabilities and who has demonstrated knowledge and teaching skills in the content areas of the...

  4. 34 CFR 682.204 - Maximum loan amounts.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Maximum loan amounts. 682.204 Section 682.204 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.204...

  5. Default Rate on Student Loans Falls for 2005 Fiscal Year

    Science.gov (United States)

    Basken, Paul

    2007-01-01

    The rate at which borrowers default on their federally guaranteed student loans has declined to 4.6 percent, in part because of a record number of consolidations, the Education Department announced last week. "Borrowers took advantage of the opportunity to lock in record-low interest rates by consolidating their federal student loans," the…

  6. Securitization and Lending Standards : Evidence from the Wholesale Loan Market

    NARCIS (Netherlands)

    Kara, A.; Marques-Ibanez, D.; Ongena, S.

    2011-01-01

    We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior on the syndicated loan market. We find that banks more active at originating asset-backed securities are also more aggressive on their loan pricing practices. This suggests that secu

  7. Microcredit Contracts, Risk Diversification and Loan Take-Up

    NARCIS (Netherlands)

    Attanasio, O.; Augsburg, B.; de Haas, Ralph

    2016-01-01

    We study theoretically and empirically the demand for microcredit under different liability arrangements and risk environments. A simple theoretical model shows that the demand for joint-liability loans can exceed that for individual-liability loans when risk-averse borrowers value their long-term

  8. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

    ...; ] DEPARTMENT OF AGRICULTURE Rural Utilities Service 7 CFR 1777 RIN 0572-AC26 Water and Waste Disposal Loans and... (RUS) proposes to amend the regulations pertaining to the Section 306C Water and Waste Disposal (WWD) Loans and Grants program, which provides water and waste disposal facilities and services to...

  9. 77 FR 43149 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-07-24

    ... CFR Part 1777 RIN 0572-AC26 Water and Waste Disposal Loans and Grants AGENCY: Rural Utilities Service... related to the Section 306C Water and Waste Disposal (WWD) Loans and Grants Program, which provides water... additional priority points to the colonias that lack access to water or waste disposal systems and...

  10. Feasibility of Analyzing Interlibrary Loan Requests to Determine Instruction Needs

    Science.gov (United States)

    Murphey, Rebecca M.; Greenwood, Judy T.

    2009-01-01

    The Interlibrary Loan department at the University of Mississippi wished to examine interlibrary loan borrowing data dating back to the implementation of the ILLiad system in August 2001 in order to determine why the number of cancellations due to local availability continues to increase. The patron information was extracted in an attempt to…

  11. Which U.S. Households Use Education Loans?

    Science.gov (United States)

    Hsu, Chungwen; Fisher, Patti J.

    2016-01-01

    This empirical study uses the 2013 Survey of Consumer Finances (SCF) to investigate the characteristics of households that hold at least one loan for educational expenses. The benefit of using household-level data is that a single household may have education loans for multiple people in the household, including the household head, spouse/partner,…

  12. 34 CFR 685.303 - Processing loan proceeds.

    Science.gov (United States)

    2010-07-01

    ... establishes rules governing a school's processing of a borrower's Direct Subsidized, Direct Unsubsidized, or Direct PLUS Loan proceeds. The school shall also comply with any rules for processing loan proceeds...-Study Program funds up to $300), the school shall reduce or eliminate the overaward by either— (1)...

  13. Identifying Interbank Loans, Rates, and Claims Networks from Transactional Data

    NARCIS (Netherlands)

    Leon Rincon, C.E.; Cely, Jorge; Cadena, Carlos

    2015-01-01

    We identify interbank (i.e. non-collateralized) loans from the Colombian large-value payment system by implementing Furfine’s method. After identifying interbank loans from transactional data we obtain the interbank rates and claims without relying on financial institutions’ reported data. Contrasti

  14. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... from the consumer, indicating that the student's cost of attendance has decreased or the consumer's... changes permitted under paragraphs (c)(3) and (c)(4), the rate and terms of the private education loan...) Changing the interest rate based on adjustments to the index used for a loan; (C) Changing the interest...

  15. 13 CFR 307.10 - Pre-loan requirements.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Pre-loan requirements. 307.10 Section 307.10 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE... prospective loan proposals on the physical environment. The Plan must provide for compliance with applicable...

  16. 77 FR 22443 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2012-04-13

    ... those on real estate appraisals, lease, subordination and disposition of security, and Conservation... give the borrower greater flexibility while protecting the financial interests of the Government. DATES... loans and loan guarantees are a means of providing credit to farmers whose financial risk exceeds...

  17. Public Service Loan Forgiveness. NASFAA Task Force Report

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

    The Public Service Loan Forgiveness (PSLF) program was established in 2007 to encourage student borrowers to work in the public sector. Qualifying borrowers may have their Direct Loans forgiven after 10 years of full-time service in an eligible job. Currently, qualifying employers include federal, state, or local government agencies and tax-exempt…

  18. 13 CFR 120.612 - Loans eligible to back Certificates.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS... necessary for the successful operation of the Secondary Market program. (b) The loans that back a Pool...

  19. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

    ... savings and loan association (the core business of which is mortgage lending) are apt to be significantly... loans and mortgage related securities may constitute the core business of certain types of eligible... package should be logged at the Guard Desk, First Floor, on business days between 9 a.m. and 5 p.m. FOR...

  20. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776.17 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE... Revolving loan fund maintenance. As long as any part of the HWWS grant remains available for lending,...

  1. 7 CFR 1737.90 - Loan approval requirements.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final... Disaster Protection Act of 1973, as amended (the “Flood Insurance Act”), RUS shall not approve financial... which has been identified by the Director of the Federal Emergency Management Agency (the “Director of...

  2. 26 CFR 1.7872-5 - Exempted loans.

    Science.gov (United States)

    2010-04-01

    ... Federal tax liability of the borrower or the lender. (2) No exemption for tax avoidance loans. If a... principal purposes of so structuring the transaction is the avoidance of Federal tax, then the transaction will be recharacterized as a tax avoidance loan as defined in section 7872(c)(1)(D). (b) List of...

  3. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... companies that do not usually invest in commercial loans; (3) Air Carrier company suppliers or customers... BUDGET AVIATION DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application... law is not adversely affected. (b) The following categories of entities may purchase participations in...

  4. 7 CFR 1737.51 - Approval of loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Approval of loan design. 1737.51 Section 1737.51... of Application Procedures § 1737.51 Approval of loan design. RUS shall notify the borrower when the preloan data concerning the system design and costs and subscriber projections have been approved. If...

  5. Scoring bank loans that may go wrong: a case study

    NARCIS (Netherlands)

    J.S. Cramer

    2004-01-01

    A bank employs logistic regression with state-dependent sample selection to identify loans that may go wrong. The data consist of some 20 000 loans for which a number of conventional accounting ratios of the debtor firm are known; after two years just over 600 have gone wrong. Inspection shows that

  6. 24 CFR 1005.105 - What are eligible loans?

    Science.gov (United States)

    2010-04-01

    ... responsibility. (2) Before HUD issues a commitment to guarantee any loan, or before HUD guarantees a loan if there is no commitment, HUD must: (i) Comply with environmental review procedures to the extent... § 203.12(b)(2) of this title for FHA mortgage insurance. (f) Lack of access to private financial...

  7. 34 CFR 668.212 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

    ... EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.212 Loan... Program lender or the Direct Loan Servicer, as defined in 34 CFR 685.102, failed to perform one or more of... identifies a sample that is large enough to derive an estimate, acceptable at a 95 percent confidence...

  8. 7 CFR 1940.585 - Community Facility loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Community Facility loans. 1940.585 Section 1940.585 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS...) PROGRAM REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program...

  9. 49 CFR 260.55 - Lender's loan servicing.

    Science.gov (United States)

    2010-10-01

    ... annual financial statements within 120 days after the end of the Borrower's fiscal year and the due date of other reports as required by the loan documents. The Lender must analyze the financial statements... 49 Transportation 4 2010-10-01 2010-10-01 false Lender's loan servicing. 260.55 Section...

  10. Approximate Maximum Likelihood Commercial Bank Loan Management Model

    Directory of Open Access Journals (Sweden)

    Godwin N.O.   Asemota

    2009-01-01

    Full Text Available Problem statement: Loan management is a very complex and yet, a vitally important aspect of any commercial bank operations. The balance sheet position shows the main sources of funds as deposits and shareholders contributions. Approach: In order to operate profitably, remain solvent and consequently grow, a commercial bank needs to properly manage its excess cash to yield returns in the form of loans. Results: The above are achieved if the bank can honor depositors withdrawals at all times and also grant loans to credible borrowers. This is so because loans are the main portfolios of a commercial bank that yield the highest rate of returns. Commercial banks and the environment in which they operate are dynamic. So, any attempt to model their behavior without including some elements of uncertainty would be less than desirable. The inclusion of uncertainty factor is now possible with the advent of stochastic optimal control theories. Thus, approximate maximum likelihood algorithm with variable forgetting factor was used to model the loan management behavior of a commercial bank in this study. Conclusion: The results showed that uncertainty factor employed in the stochastic modeling, enable us to adaptively control loan demand as well as fluctuating cash balances in the bank. However, this loan model can also visually aid commercial bank managers planning decisions by allowing them to competently determine excess cash and invest this excess cash as loans to earn more assets without jeopardizing public confidence.

  11. 76 FR 37893 - Loans in Areas Having Special Flood Hazards

    Science.gov (United States)

    2011-06-28

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Office of Thrift Supervision Loans in Areas Having Special Flood Hazards AGENCY: Office of Thrift... collection. Title of Proposal: Loans in Areas Having Special Flood Hazards. OMB Number: 1550-0088....

  12. Six changes with the new Regulations on Automobile Loans

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    <正> On Aug 16, 2004, the People’s Bank of China and China Banking Regulatory Commission (CBRC) jointly issued the new version of the Regulations on Automobile Loans. Due to be put into implementation on Oct 1, the new Regulations change radically compared with the previous version in terms of creditors, possible borrowers, rate of down payments, loan periods, etc.

  13. 7 CFR 1737.32 - Loan Design (LD).

    Science.gov (United States)

    2010-01-01

    ... special note shall be submitted. Usually a separate short-term note is prepared for loans to finance... first financed by RUS. The population determination is based on the corporate limits or boundaries of... on RUS Form 495 must be provided. (xi) Future plans. Where the loan application is to finance part of...

  14. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

    ... general principles of Federal tax law, the taxation of the entire premium payment is governed by § 1.61-22... payment is a loan under general principles of Federal tax law or, if it is not a loan under general principles of Federal tax law (for example, because of the nonrecourse nature of the obligation or otherwise...

  15. 26 CFR 1.141-5 - Private loan financing test.

    Science.gov (United States)

    2010-04-01

    ... account. (b) Measurement of test. In determining whether the private loan financing test is met, the amount actually loaned to a nongovernmental person is not discounted to reflect the present value of the... cost of an improvement). Taxes and assessments do not include fees for services. The tax or...

  16. Securitization and Lending Standards : Evidence from the Wholesale Loan Market

    NARCIS (Netherlands)

    Kara, A.; Marques-Ibanez, D.; Ongena, S.

    2011-01-01

    We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior on the syndicated loan market. We find that banks more active at originating asset-backed securities are also more aggressive on their loan pricing practices. This suggests that

  17. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    ... measured in terms of Agency staff time, equipment and associated costs. Workload efficiency is also... and/or personal property associated with the assistance. Rural Development will guarantee loans for.... The term ``FHLB'' was added as the acronym for the Federal Home Loan Bank. The term ``Freddie Mac...

  18. Neuro-Based Artificial Intelligence Model for Loan Decisions

    Directory of Open Access Journals (Sweden)

    Shorouq F. Eletter

    2010-01-01

    Full Text Available Problem statement: Despite the increase in consumer loans defaults and competition in the banking market, most of the Jordanian commercial banks are reluctant to use artificial intelligence software systems for supporting loan decisions. Approach: This study developed a proposed model that identifies artificial neural network as an enabling tool for evaluating credit applications to support loan decisions in the Jordanian Commercial banks. A multi-layer feed-forward neural network with backpropagation learning algorithm was used to build up the proposed model. Results: Different representative cases of loan applications were considered based on the guidelines of different banks in Jordan, to validate the neural network model. Conclusion: The results indicated that artificial neural networks are a successful technology that can be used in loan application evaluation in the Jordanian commercial banks.

  19. 7 CFR 1822.278 - Special requirements for RHS section 523 loans (loans to organizations providing sites for self...

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... to organizations providing sites for self-help housing). 1822.278 Section 1822.278 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL...

  20. 7 CFR 3431.11 - Application.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.11 Application. Individuals who meet the eligibility...

  1. 7 CFR 3431.18 - Service agreement.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.18 Service agreement. (a) The service...

  2. 7 CFR 3431.10 - Eligibility to participate.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.10 Eligibility to participate. To be...

  3. (4) Otunaiya, Bamiro & Idowu (new art)

    African Journals Online (AJOL)

    Adeyinka Odunsi

    Determinants of rural bank loan repayment capacity among ... shows that the most important variable for loan repayment is farm size (hectares) .... assumes equal cost of misclassification, .... correlation associated with the discriminate.

  4. House loan risk evaluation and bank's handling strategy%房贷风险评估及银行的应对策略

    Institute of Scientific and Technical Information of China (English)

    郑艳霞; 邓艳娟

    2012-01-01

    房地产是当今中国经济的支柱产业,而房地产发展的资金绝大部分由银行贷款获得,因此房价的变动会使银行的贷款业务面临风险。本文首先分析了现阶段房贷与房价之间的关系,接着讨论了人口因素对房价的影响,分析了房价的走势;最后计算了在不同的贷款方式下,商业银行应对房价下调时的贷款风险临界值,给出了商业银行防范房价变动的应对策略。%Real estate is the pillar industry of China's economy,and the funds of real estate development most come from bank loan.The rise of house prices will make banks face the risk of capital.This paper firstly analyzes the relationship between mortgage and house price.And discusses demographic factors influencing on housing price,and gives the analysis of the price trend.At last,calculates in different proportion of down payment and repayment interest rate of commercial banks to lower prices,the loan risk threshold,and gives the commercial bank guard against price reduction strategy.

  5. 13 CFR 123.11 - Does SBA require collateral for any of its disaster loans?

    Science.gov (United States)

    2010-01-01

    ... any of its disaster loans? 123.11 Section 123.11 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.11 Does SBA require collateral for any of its disaster loans? Generally, SBA will not require that you pledge collateral to secure a disaster home loan or a...

  6. 13 CFR 123.8 - Does SBA charge any fees for obtaining a disaster loan?

    Science.gov (United States)

    2010-01-01

    ... obtaining a disaster loan? 123.8 Section 123.8 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.8 Does SBA charge any fees for obtaining a disaster loan? SBA does not charge points, closing, or servicing fees on any disaster loan. You will be responsible for payment...

  7. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-11-01

    ... November 1, 2013 Part II Department of Education 34 CFR Parts 668, 674, 682, and 685 Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... Assistance General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education...

  8. 12 CFR 221.112 - Loans by bank in capacity as trustee.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loans by bank in capacity as trustee. 221.112... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.112 Loans by bank in capacity as trustee. (a... been pledged as collateral for loans. Loans are not made, under the plan, from bank funds,...

  9. 7 CFR 505.2 - Fees for loans of materials in library collections.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Fees for loans of materials in library collections... RESEARCH SERVICE, DEPARTMENT OF AGRICULTURE NATIONAL AGRICULTURAL LIBRARY FEES FOR LOANS AND COPYING § 505.2 Fees for loans of materials in library collections. (a) NAL will make loans of original...

  10. 7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Warehouse-stored marketing assistance loan collateral... Marketing Assistance Loans § 1421.106 Warehouse-stored marketing assistance loan collateral. (a) A commodity may be pledged as collateral for a warehouse-stored marketing assistance loan in the...

  11. 42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing...

  12. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans...

  13. 78 FR 8444 - Energy Efficiency and Conservation Loan Program Programmatic Environmental Assessment

    Science.gov (United States)

    2013-02-06

    ... Rural Utilities Service 7 CFR Part 1710 Energy Efficiency and Conservation Loan Program Programmatic... entitled ``Energy Efficiency and Conservation Loan Program,'' which expands upon policies and procedures specific to loans for a new Energy Efficiency and Conservation Loan program. The program would...

  14. Straight Talk on Student Loans. Research & Occasional Paper Series: CSHE.10.04

    Science.gov (United States)

    Shireman, Robert

    2004-01-01

    The federal government provides student loans for college and graduate school in two ways: by guaranteeing bank loans, and by lending directly to students. In the guaranteed loan program, banks lend students money and profit from the interest payments while the government guarantees the loans against default and makes subsidy payments to the…

  15. 77 FR 55271 - Truth in Lending Act (Regulation Z); Loan Originator Compensation

    Science.gov (United States)

    2012-09-07

    ... other terms of the loan. But costs that are paid to the creditor, broker, or affiliates of either... additional money from additional loans. Thus, although some banks and credit unions hold some loans in... unfairness associated with loan originator compensation practices. Id. at 44565. The Board in 2009 proposed...

  16. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Science.gov (United States)

    2010-01-01

    ... loans shall bear interest at a rate (the “Cost of Money Interest Rate”) equal to the current cost of... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans,...

  17. Analysis of Third Party Loan Guarantee and Performance of Non-Prime Household Loans in Microfinance Banks in Kenya

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

    Full Text Available Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performance of Microfinance Banks. It is still unknown why the credit risk affects the performance of non-prime household loans in the Microfinance Banks domiciled in Kenya. The reason for conducting this study is to determine the level at which the third party loan guarantee and the performance of non-prime household loans relate to the Microfinance Banks in Kenya. Particularly, this study is to determine how the amount secured by guarantee, recoveries from guarantors, percentage of loan secured, and percentage recoveries from guarantors relate to the performance of nonprime household loans in the Microfinance Banks in Kenya. The population was 516 senior management employees of the banks. The researcher conducted a multiple regression analysis for determining the relationship between the amount secured by guarantee—recoveries from guarantors, percentage granted, and percentage recoveries—and the performance of non-prime household loans. The R and R2 were used for determining the strength of the relationship and the coefficient of determination at 0.05 level of significance of variables. The result of this study reveals that there exists a strong relationship between the dependent and independent variables, thereby contradicting the null hypothesis, which states that the relationship does not exist. The percentage of the recoveries from the guarantors over the

  18. 75 FR 52429 - Guaranteed Single Family Housing Loans

    Science.gov (United States)

    2010-08-26

    ... 24th, 2010. FOR FURTHER INFORMATION CONTACT: Stuart Walden, Senior Loan Specialist, Section 502....walden@wdc.usda.gov . SUPPLEMENTARY INFORMATION: Classification This final rule has been determined to...

  19. 42 CFR 60.33 - Making a HEAL loan.

    Science.gov (United States)

    2010-10-01

    ... make a HEAL loan in an amount that exceeds the permissible annual and aggregate maximums described in... evidenced by a promissory note containing any deviation from the provisions of the form most...

  20. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

    ... by RUS. (5) Certain costs incurred in demand side management, energy conservation programs and on and... of the consumer, except qualifying items included in a loan for demand side management or...

  1. 7 CFR 1980.490 - Business and industry buydown loans.

    Science.gov (United States)

    2010-01-01

    ... reforestation. (iii) The growing of mushrooms or hydroponics. (4) Recreation and tourism. Loans may be guaranteed for tourist or recreation facilities except for hotels, motels, bed and breakfasts, race...

  2. U.S. Overseas Loans and Grants (Greenbook)

    Data.gov (United States)

    US Agency for International Development — This dataset is used to produce the "U.S. Overseas Loans and Grants" publication, known as the "Greenbook". The annual report to Congress on U.S foreign assistance...

  3. effects of the subsidized students' loan on university enrolment in ...

    African Journals Online (AJOL)

    User

    2School of Economics, Universiti Kebangsaan Malaysia, Malaysia ... for example additional policies aimed at improving the students' loan scheme will have positive impact on both accessibility ... versity graduate was estimated at 2,900 New.

  4. DEVELOPMENT OF THE AGRICULTURAL SECTOR FROM MOLDOVA THROUGH AGRICULTURE LOANS

    Directory of Open Access Journals (Sweden)

    Aliona SARGO

    2013-01-01

    Full Text Available Financial institutions present on the market become more attentive when they have to give loans to the agriculture sector. The lack of necessary guarantees the low profit registered in agricultural district, economy instability and other things had and continue to have a negative impact on the evolution of agricultural sector, this being seen as one with a high level of risk. Commercial banks use less own funds for lending to agriculture and especially when the loans are guaranteed from various funds, programs or foreign donor agencies. Farmers find it difficult to bank loans because of collateral amount required is too high. However, commercial banks in Moldova provide agricultural loans, thus increasing the economic efficiency of agriculture.

  5. 'Language Development' or 'Language Corruption': A Case of Loan ...

    African Journals Online (AJOL)

    Riette Ruthven

    second section analyses the justification by the editors of ISN for lemmatising ..... seem to accept loan-words much more easily than the older generation'. .... One enduring value of such a computer-generated file for lexicography is, theo-.

  6. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

    .... Loan funds may not be used to finance: (a) Facilities which are not modest in size, design, and cost... project costs normally provided by a business or industrial user, such as wastewater pretreatment; (f...

  7. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... financial statements; notice of defaults; notice of litigation; notice of orders or other directives... concurrently by RUS and another secured lender; (e) The method for making scheduled payments on the loan;...

  8. Determinant of asymmetric risks in Nigerian loan market: any ...

    African Journals Online (AJOL)

    Bank lending in Nigeria was dominated by the presence of asymmetric information, a wedge to financial intermediation. ... probability by borrowers and the extent to which borrowers were fully informed about the cost implications of their loans ...

  9. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

    ... conditions and which are consistent with the lender's customary business practice; (2) Accounts or... business, to an insured, under a loan right contained in a life insurance policy and in which the cash...

  10. Setting up Individual Loan Facilities for University Students

    Institute of Scientific and Technical Information of China (English)

    XueYong; ZhaoBaohua; DavidKelly

    2004-01-01

    The Chinese state must slash its direct financial allocations to universities and the latter must perform their operations using the annual revenue of tuition fees collected directly from enrolled students. In the same time, state allocations originally earmarked for the campus might be employed to set up a complete loan system to serve students so that each of all qualified enrollees can enjoy an interest-free loan. Students are to be al-

  11. LOAN TRANSLATION AS MEANS OF EXPRESSING E-COMMERCE TERMINOLOGY

    OpenAIRE

    Mariana Coancă

    2011-01-01

    In this paper we present an analysis of the Romanian e-commerce terminology, taking into consideration that the English language has had a major role in the linguistic globalization of the specialized languages. Therefore, e-commerce does not make an exception because its terminology is used worldwide and, concerning the Romanian e-commerce terms, we distinguished both the use of partial loan translations and full loan translations which make up fixed collocations, as special means of express...

  12. 12 CFR 225.44 - Reporting of stock loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Reporting of stock loans. 225.44 Section 225.44... § 225.44 Reporting of stock loans. (a) Requirements. (1) Any foreign bank or affiliate of a foreign bank... involves a person or group of persons that has been the owner or owners of record of the stock for a...

  13. An analysis of loan default determinants: the Spanish case

    OpenAIRE

    Climent Serrano, Salvador; Pavía Miralles, José Manuel

    2014-01-01

    The Spanish financial system is experiencing a very turbulent economic period in which loan defaults has lived an unprecedented increasing period, going from being less than 1% in 2004 to levels of above 13% in 2013. The impact of this, along with other circumstances, has led to the greatest financial restructuring ever made to date in Spain, with important macroeconomic and microeconomic consequences. This paper studies the determinants of delinquency (loan default) in Spanish credit institu...

  14. Is the corporate loan market globally integrated? a pricing puzzle

    OpenAIRE

    Carey, Mark S.; Gregory P. Nini

    2004-01-01

    We offer evidence that interest rate spreads on syndicated loans to corporate borrowers are economically significantly smaller in Europe than in the U.S., other things equal. Differences in borrower, loan and lender characteristics associated with equilibrium mechanisms suggested in the literature do not appear to explain the phenomenon. Borrowers overwhelmingly issue in their natural home market and bank portfolios display significant home "bias." This may explain why pricing discrepancies a...

  15. A Document Imaging Technique for Implementing Electronic Loan Approval Process

    Directory of Open Access Journals (Sweden)

    J. Manikandan

    2015-04-01

    Full Text Available The image processing is one of the leading technologies of computer applications. Image processing is a type of signal processing, the input for image processor is an image or video frame and the output will be an image or subset of image [1]. Computer graphics and computer vision process uses an image processing techniques. Image processing systems are used in various environments like medical fields, computer-aided design (CAD, research fields, crime investigation fields and military fields. In this paper, we proposed a document image processing technique, for establishing electronic loan approval process (E-LAP [2]. Loan approval process has been tedious process, the E-LAP system attempts to reduce the complexity of loan approval process. Customers have to login to fill the loan application form online with all details and submit the form. The loan department then processes the submitted form and then sends an acknowledgement mail via the E-LAP to the requested customer with the details about list of documents required for the loan approval process [3]. The approaching customer can upload the scanned copies of all required documents. All this interaction between customer and bank take place using an E-LAP system.

  16. 25 CFR 103.27 - Can the borrower get help preparing its loan application or putting its loan funds to use?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Can the borrower get help preparing its loan application or putting its loan funds to use? 103.27 Section 103.27 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT... Relating to Borrowers § 103.27 Can the borrower get help preparing its loan application or putting its...

  17. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-08-29

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan... June 30, 2014, for certain loans made under the Federal Family Education Loan (FFEL) ] Program prior to... Family Education Loan (FFEL) Program, including Federal Subsidized and Unsubsidized Stafford...

  18. Student Loan Programs. Senate Hearing Before the Committee on Appropriations. Fiscal Year 1976. 94th Congress, First Session. Special Hearing.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. Senate Committee on Appropriations.

    This 1976 Senate Hearing before the Appropriations Committee is concerned with student loans. Issues discussed are: (1) student loan programs; (2) educational loans to middle-income families; (3) default rate on bank loans; (4) HELP grant loan; (5) views of the Financial Aid Officers Panel; (6) proprietary career schools; (7) consumer protection;…

  19. Performance Analysis of Foreign Loans in Directorate General of Highways Ministry of Public Works

    Directory of Open Access Journals (Sweden)

    Yunik Eva Sarlina

    2016-05-01

    Full Text Available Provision of road infrastructure does, efficiently and effectively, have an effect on economy increase in a region. The limited ability of the government in the provision of funding for the road infrastructure requires the handling on the organizers of the roads, it also needs efforts to look for funding resources outside the APBN as a resource of funds for foreign loans. This study aims to know the process of foreign loans, the characteristics of each foreign loan, and the loan implementation performance in Directorate General of Highways, Ministry of Public Works. The research was using the qualitative descriptive methods focusing on thorough depiction of form, function, and meaning of prohibition; data collection was done by collecting the entire loan process from the preparation phase to the implementation phase through interviewing and documentation literature. The document consists of the loan agreement document, documents monthly reports and annual reports, lender regulations, legal regulations of the Republic of Indonesia, photo documentation and archives. The result showed that the scoring of performance, multilateral loan is better than bilateral loan. This is evidenced by higher score for multilateral loan than bilateral loan. Particularly in terms of regulations, the multilateral loan having score 15, it was because the lender adjusts by existing regulations in Indonesia, while bilateral loan having score 13. Furthermore, from the aspect of financial benefits, bilateral loan have score of 41 and is more advantageous than the multilateral loan which score is 29.

  20. A multi-institutional survey of newer surgery faculty on the impacts of education debt and debt repayment strategies.

    Science.gov (United States)

    Swanson, Jennifer A; Melin, M Mark; D'Cunha, Jonathan; Radosevich, David M; Farley, David R; Schmitz, Constance C

    2013-01-01

    The cost associated with becoming a physician is significant, and studies have shown that surgeons, in particular, accrue higher debts than matched controls from other specialties, and the public. These findings, along with the current era of economic turmoil, prompted our investigation into the effects of educational debt on the career, family and lifestyle choices of recently graduated surgeons. Our goal was to query young surgical faculty about the education debt carried, the burden it presents as they embark on a career, and the financial management strategies employed to pay down their debt. This study is a one-time, cross-sectional survey of regular and adjunct faculty from the University of Minnesota and the Mayo Clinic-Rochester. Participation was voluntary and responses were collected anonymously via SurveyMonkey. Respondents were sorted into two groups: those with and without education debt at the time of residency graduation. We compared these groups on a number of variables. Of the 111 respondents (111/152, 73% response rate), 69 (62.2%) carried debt at the time of graduation from residency. The median educational debt at graduation was $100,000, and surgeons with educational debt carried a significantly higher burden of consumer and total debt than those without educational debt at graduation (p revenue sources (faculty, clinical), debt repayment strategies, and overall training on financial matters early in their residency. Copyright © 2012 Association of Program Directors in Surgery. Published by Elsevier Inc. All rights reserved.

  1. Loan and nonloan flows in the Australian interbank network

    Science.gov (United States)

    Sokolov, Andrey; Webster, Rachel; Melatos, Andrew; Kieu, Tien

    2012-05-01

    High-value transactions between banks in Australia are settled in the Reserve Bank Information and Transfer System (RITS) administered by the Reserve Bank of Australia. RITS operates on a real-time gross settlement (RTGS) basis and settles payments and transfers sourced from the SWIFT payment delivery system, the Austraclear securities settlement system, and the interbank transactions entered directly into RITS. In this paper, we analyse a dataset received from the Reserve Bank of Australia that includes all interbank transactions settled in RITS on an RTGS basis during five consecutive weekdays from 19 February 2007 inclusive, a week of relatively quiescent market conditions. The source, destination, and value of each transaction are known, which allows us to separate overnight loans from other transactions (nonloans) and reconstruct monetary flows between banks for every day in our sample. We conduct a novel analysis of the flow stability and examine the connection between loan and nonloan flows. Our aim is to understand the underlying causal mechanism connecting loan and nonloan flows. We find that the imbalances in the banks' exchange settlement funds resulting from the daily flows of nonloan transactions are almost exactly counterbalanced by the flows of overnight loans. The correlation coefficient between loan and nonloan imbalances is about -0.9 on most days. Some flows that persist over two consecutive days can be highly variable, but overall the flows are moderately stable in value. The nonloan network is characterised by a large fraction of persistent flows, whereas only half of the flows persist over any two consecutive days in the loan network. Moreover, we observe an unusual degree of coherence between persistent loan flow values on Tuesday and Wednesday. We probe static topological properties of the Australian interbank network and find them consistent with those observed in other countries.

  2. 13 CFR 123.507 - Under what circumstances will SBA consider waiving the $2 million loan limit?

    Science.gov (United States)

    2010-01-01

    ... BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Military Reservist Economic Injury Disaster Loans § 123.507... military conflict, and a loan in excess of $2 million is necessary to reopen or keep open the...

  3. Analisis Faktor-faktor yang Mempengaruhi Terjadinya Non Performing Loan (NPL) pada Perbankan yang Go Public di Bursa Efek Indonesia

    OpenAIRE

    Sitorus, Vera Yohana

    2013-01-01

    This research entitled “Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange”. This research aims to respond any questions about factors influence the Non Performing Loan at the go public bank at Indonesia Stock Exchange. The bad loan is always found in banking loan activity. Therefore the bank always minimizes the bad loan to fulfill the requirement of Central Bank as the bank supervisors. The bad loan is total debt loan plus the doubt loan an...

  4. Extramural Research Grants and Scientists’ Funding Strategies

    DEFF Research Database (Denmark)

    Grimpe, Christoph

    2012-01-01

    Although competitive funding of public research has been characterised as providing output incentives that raise efficiency and productivity, we know very little about whether the quality of a scientist’s research is in fact the primary award criterion on which funding bodies base their grant......), government, foundation, and industry grants. Based on a sample of more than 800 scientists at universities and public research institutes in Germany, the results indicate that scientist productivity measured in terms of publication and patent stock is a statistically significant determinant only...... and innovation policy about potential discrepancies between policy rhetoric, stipulated award criteria, and actual funding outcomes which makes it possible to fine-tune the debate on how public research should be financed....

  5. Relevansi Nilai Selisih Loans Book Value dan Loans Fair Value, Book Value Per Share, Earnings Per Share dan Ukuran Perusahaan

    Directory of Open Access Journals (Sweden)

    Dina Bakti Pertiwi

    2015-01-01

    Full Text Available One of the impacts of IFRS convergence is the tendency to leave historical cost to the fair value primarily for financial instruments, one of which is bank loans. Therefore, the benefit of the use of historical cost and fair value needs to be examined. This study aims to evaluate the relationship of the difference between loan book value and fair value, book value per share, earnings per share and the company size to the stock price of banks that use accounting standard that has been converged to IFRS. The samples used are banks listed in Indonesia Stock Exchange during the period of 2010-2013. The relationship between the difference loans book value and fair value, book value per share, earnings per share and the size with the stock price were analyzed using multiple linear regression. The results of this study indicate that the difference between loans book value and fair value, book value per share, earnings per share and the size can be used to predict the stock price of bank. Thus, the difference between loan book value and fair value of financial instruments have a relevant value.

  6. Relevance of financial information in quick loans negotiation

    Directory of Open Access Journals (Sweden)

    Salvador Cruz Rambaud

    2017-02-01

    Full Text Available Nowadays, most loan transactions are contracted by using the exponential discounting as the underlying standard economic model to value this type of financial operations. In a framework of absence of fees to be paid by the borrower, the interest rate of the exponential discount function is, moreover, the true interest rate of the operation. Nevertheless, there exist a set of circumstances which make this identity false. Among others, these characteristics are: the use of linear discount as the underlying discount function, splitting time when using a nominal interest rate, and the existence of fees in a loan at 0% interest rate. All these cases will be analyzed in this paper in the context of the so-called quick loans.

  7. Determinants of non-performing loans: The case of Eurozone

    Directory of Open Access Journals (Sweden)

    Makri Vasiliki

    2014-01-01

    Full Text Available The purpose of the present study is to identify the factors affecting the non-performing loans rate (NPL of Eurozone’s banking systems for the period 2000-2008, just before the beginning of the recession. In our days, Eurozone is in the middle of an unprecedented financial crisis, calling into question the soundness of the banking systems of European countries. Looking at both macro-variables (e.g. annual percentage growth rate of gross domestic product, public debt as % of gross domestic product, unemployment and micro-variables (e.g. loans to deposits ratio, return on assets, return on equity, we investigate which factors determine NPL on aggregate level. Overall, our findings reveal strong correlations between NPL and various macroeconomic (public debt, unemployment, annual percentage growth rate of gross domestic product and bank-specific (capital adequacy ratio, rate of nonperforming loans of the previous year and return on equity factors.

  8. Corporate fraud and bank loans:Evidence from china

    Institute of Scientific and Technical Information of China (English)

    Yunsen; Chen; Song; Zhu; Yutao; Wang

    2011-01-01

    Receiving punishment from regulators for corporate fraud can affect financing contracts between a firm and its bank,as both the firm’s credit risk and information risk increase after punishment By focusing on Chinese firms’borrowing behavior after events of corporate fraud,we find that firms’bank loans after punishment are not only significantly lower,but are also less than those for non-fraudulent firms.In addition,loan interest rates after punishment are not only higher than before,but also higher than those for their non-fraudulent counterparts.In addition,we find that corporate fraud indirectly destabilizes the"performance-bank loan"relationship.Our results suggest that corporate fraud negatively affects a firm’s ability to source debt financing,which provides new evidence about the economic consequences of fraud.

  9. A New Measure of Competition in Indian Loan Market

    Directory of Open Access Journals (Sweden)

    Jugnu Ansari

    2013-11-01

    Full Text Available This study endeavours at measuring bank competition in Indian loan market using a new competitiveness index, the Augmented Relative Profit Difference (ARPD, which quantifies the impact of marginal costs on performance, measured in terms of market shares. This study yields two major insights. First, the theoretical foundation of the ARPD is very robust as compared to other conventional measures. Second, applying this unbiased competition indicator to Indian bank loan markets shows that financial reform indeed has contributed to significant improvements in competition. As regards, the competition among specific types of banks, we found public sector banks and private sector banks are comparatively more competitive than foreign banks. The empirical finding indicates that the Indian loan market is monopolistic in nature.

  10. 7 CFR 1717.659 - Effect of this subpart on RUS loan contract and mortgage.

    Science.gov (United States)

    2010-01-01

    ... RUS regulations. (c) RUS reserves the right to change the provisions of the RUS mortgage and loan... provision, covenant, or requirement in the RUS mortgage, RUS loan contract, or any other agreement between a...

  11. 76 FR 71058 - Notice of Submission of Proposed Information Collection to OMB Loan Guarantee Recovery Fund...

    Science.gov (United States)

    2011-11-16

    ... URBAN DEVELOPMENT Notice of Submission of Proposed Information Collection to OMB Loan Guarantee Recovery... responses. This Notice Also Lists the Following Information Title of Proposal: Loan Guarantee Recovery Fund... Information Officer, HUD. ACTION: Notice. SUMMARY: The proposed information collection requirement...

  12. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

    ... for the purpose of making member business loans and can provide documentary evidence (such evidence... field of membership, board minutes and loan portfolio); (c) Credit unions that have a history...

  13. State Clean Energy Policies Analysis. State, Utility, and Municipal Loan Programs

    Energy Technology Data Exchange (ETDEWEB)

    Lantz, Eric [National Renewable Energy Lab. (NREL), Golden, CO (United States)

    2010-05-01

    This report relies on six in-depth interviews with loan program administrators to provide descriptions of existing programs. Findings from the interviews are combined with a review of relevant literature to elicit best practices and lessons learned from existing loan programs. Data collected from each of the loan programs profiled are used to quantify the impacts of these specific loan programs on the commonly cited, overarching state clean energy goals of energy security, economic development, and environmental protection.

  14. External support and bank behaviour in the international syndicated loan market

    OpenAIRE

    Tsatsaronis, Kostas; Gadanecz, Blaise; Altunbas, Yener

    2015-01-01

    Banks that enjoyed generous external financial support tended to under-price risk in the international syndicated loan market and did not show signs of innovation in their loan participations. Loans arranged by such banks had on average lower spreads (controlling for risk and other characteristics) and these banks retained loans that were on average priced below market. When supported banks' investment strategy differed materially from that of the average bank it was in holding less specialis...

  15. MACROECONOMIC DETERMINANTS OF BAD LOANS IN BALTIC COUNTRIES AND ROMANIA

    Directory of Open Access Journals (Sweden)

    Liliana DONATH

    2014-12-01

    Full Text Available The 2008–09 global crisis raised debates concerning the determinants of financial vulnerability. Among these, bad loans have been identified as significantly influencing financial imbalances. After a decade in which borrowing has constantly grown mainly because of the deregulation of financial markets, the crisis highlighted the importance of an effective credit risk management. The purpose of the paper is to study the evolution of bad loans ratio in relation with selected macroeconomic indicators in the Baltic countries (Estonia, Latvia and Lithuania and Romania.

  16. Loan Growth Slowing down in 1st 7 Months

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    @@ The growth of loans significantly slowed during the first seven months of this year, which indicates the government's economic macro control measures are taking effect, the People's Bank of China (PBOC) said. By the end of July, outstanding loans of all financial institutions stood at RMB18.1 trillion (US$2.18 trillion),up 15.9% on a year-on-year basis. The growth rate compared to 23.2% registered during the same period in 2003,the central bank said.

  17. Provision of banks loans to enterprises in Russia

    OpenAIRE

    Andreeva, Olga

    2002-01-01

    Extension of loans is being considered as one of the most important and useful functions of the universal commercial banks in the economy. Russian banking has been gradually restoring after the financial crises, when the default on the government debt has showed that only those banks that are more concerned with the non-financial sector can survive external shocks. However, the fact that banks become more and more willing to extend loans to the corporate sector, due to the absence of other pr...

  18. Modelling loans and deposits during electoral years i n Romania

    Directory of Open Access Journals (Sweden)

    Nicolae - Marius JULA

    2015-06-01

    Full Text Available This paper analyzes the effect of electoral years on loans and deposits for population in Romania. Using monthly data regarding the total loans and deposits, we identify the significance of the electoral timing on population´s behavior regarding financial decisions. We estimate that there are small changes in population´s affinity for increase in the indebtedness or for savings. We use dummy variables for electoral periods, and when these are econometrically significant there is an evidence of the influence of the electoral timings in population´s financial decisions.

  19. Software-Based Visual Loan Calculator For Banking Industry

    Science.gov (United States)

    Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

    2012-03-01

    industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

  20. 13 CFR 123.2 - What are disaster loans and disaster declarations?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are disaster loans and disaster declarations? 123.2 Section 123.2 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.2 What are disaster loans and disaster declarations? SBA offers...

  1. 45 CFR 1336.70 - Technical assistance: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Technical assistance: Responsibilities of the Loan... Demonstration Project § 1336.70 Technical assistance: Responsibilities of the Loan Administrator. The Loan Administrator will assure that competent management and technical assistance is available to the borrower...

  2. Developing an Interlibrary Loan Borrowing Policy for Evergreen Valley College Library Patrons. Governance and Management.

    Science.gov (United States)

    Poehlmann, Ruth I.

    The increased use of interlibrary loan (ILL) services at the Evergreen Valley College (EVC) library which resulted from joining OCLC automated Interlibrary Loan subsystem in 1979 led to the development of an Interlibrary Loan Borrowing Policy by the EVC library staff. The policy is designed to explain to library patrons the limitations on…

  3. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false The Federal Family Education Loan programs. 682.100... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope § 682.100 The Federal Family Education Loan programs. (a) This part governs the following four...

  4. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ... July 29, 2013 Part II Department of Education 34 CFR Parts 668, 674, 682, et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... 1840-AD12 Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family...

  5. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums...

  6. 34 CFR 682.302 - Payment of special allowance on FFEL loans.

    Science.gov (United States)

    2010-07-01

    ... paragraphs (b)(2), (b)(3), or (e)(1) of this section, FFEL loans that otherwise meet program requirements are... Reserve in Publication H-15 (or its successor) for such 3-month period for a loan for which the first... by or on behalf of an Authority only if the loan meets the requirements of § 682.800. (ii) The...

  7. An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.

    Science.gov (United States)

    Bayus, Barry; Kendis, Kurt

    1982-01-01

    In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)

  8. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

    ... loan size, complexity and risk exposure (b) The procedures to be followed in credit analysis (c) The... ability; and (3) That consider the nature and type of credit risk, amount of the loan, and enterprises... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  9. The Dynamics in Requested and Granted Loan Terms when Bank and Borrower Interact Repeatedly

    NARCIS (Netherlands)

    Kirschenmann, K.

    2010-01-01

    This paper studies how credit constraints develop over bank relationships. I analyze a unique dataset of matched loan application and loan contract information and measure credit constraints as the ratio of requested to granted loan amounts. I find that the most important determinants of receiving s

  10. 12 CFR 709.12 - Prepayment fees to Federal Home Loan Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Prepayment fees to Federal Home Loan Bank. 709... FEDERALLY INSURED CREDIT UNIONS IN LIQUIDATION § 709.12 Prepayment fees to Federal Home Loan Bank. The Board... of credit from a Federal Home Loan Bank will allow a claim for a prepayment fee by the Bank if:...

  11. 26 CFR 1.585-1 - Reserve for losses on loans of banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Reserve for losses on loans of banks. 1.585-1... regulations thereunder) other than a mutual savings bank, domestic building and loan association, or... TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.585-1 Reserve for losses on loans...

  12. Affordable at Last: A New Student Loan System. Education Sector Reports

    Science.gov (United States)

    Dillon, Erin

    2011-01-01

    Student loan debt is fast becoming a fact of American life. Students are borrowing more money for college and are being forced to pay back large sums of their income. This report offers a new way to pay back student loans based on each individual's earnings. International Income-Contingent Loan Systems are appended. (Contains 1 figure and 40…

  13. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 Column A—Description 2,3,4 Column B—Interest rate Column C... mortgage loans on real estate investments has been written down or reserved against, describe the item and...

  14. 44 CFR 206.6 - Donation or loan of Federal equipment and supplies.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Donation or loan of Federal... Donation or loan of Federal equipment and supplies. (a) In any major disaster or emergency, the... governments for use and distribution by them for the purposes of the Stafford Act. (b) A donation or loan...

  15. 75 FR 76482 - Federal Housing Administration (FHA): FHA Maximum Loan Limits for 2011

    Science.gov (United States)

    2010-12-08

    ... URBAN DEVELOPMENT Federal Housing Administration (FHA): FHA Maximum Loan Limits for 2011 AGENCY: Office...: This notice announces that FHA has posted on its Web site the single-family maximum loan limits for 2011. The loan limit limits can be found at...

  16. 76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2011-05-24

    ..., including five from System associations and one from the System's trade association. No comment letters were... risky and most profitable segment of its loan portfolio. While large loans may be of sound quality and profitable, such loans have a greater impact on the viability of an institution should they deteriorate. It...

  17. 34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false The William D. Ford Federal Direct Loan Program. 685...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Purpose and Scope § 685.100 The William D. Ford Federal Direct Loan Program. (a) Under the William D....

  18. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Science.gov (United States)

    2011-08-22

    ... William D. Ford Federal Direct Loan Program; Corrections AGENCY: Office of Postsecondary Education... William D. Ford Federal Direct Loan Program to implement certain provisions of the HEA that involve school... William D. Ford Federal Direct Loan Program.) Dated: August 17, 2011. Eduardo M. Ochoa,...

  19. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

    ... Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan Program... of Collection: William D. Ford Federal Direct Loan Program (DL) Regulations. OMB Control Number: 1845... Annual Burden Hours: 535,998. Abstract: The William D. Ford Federal Direct Loan Program regulations...

  20. 78 FR 37946 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2013-06-25

    ... by limiting diversification of credit unions' loan portfolios. They also stated this would limit the... of the principal benefits of loan participation is greater loan portfolio diversification... prudent to focus on diversification of risk in a participation portfolio than to limit purchases from a...

  1. 12 CFR 201.104 - Eligibility of consumer loans and finance company paper.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Eligibility of consumer loans and finance....104 Eligibility of consumer loans and finance company paper. (a) The Board of Governors has clarified and modified its position with respect to the eligibility of consumer loans and finance company paper...

  2. The Success of Students' Loans in Financing Higher Education in Tanzania

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

    Students' loans in financing higher education in Tanzania have been subjected to many researches. However, less information is available on how the success of students' loans in financing higher education can be revealed. Therefore the purpose of this study is to examine the factors indicating the success of students' loans in financing higher…

  3. 13 CFR 120.434 - What are SBA's requirements for loan pledges?

    Science.gov (United States)

    2010-01-01

    ... are not limited to, on-site review/examination assessments, historical performance measures (like..., and other performance related measurements and information (such as contribution toward SBA mission... the proceeds of the loan secured by the 7(a) loans only for financing 7(a) loans and for costs...

  4. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing...

  5. 13 CFR 120.330 - Who is eligible for an energy conservation loan?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Who is eligible for an energy conservation loan? 120.330 Section 120.330 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Energy Conservation § 120.330 Who is eligible for an...

  6. 76 FR 11815 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-03-03

    ... loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor.../Location: Puerto Rico Housing Finance Authority, San Juan, Puerto Rico. Principal Product/Purpose: The loan... or business activity from one area to another by the loan applicant's business operation; or, (b)...

  7. 13 CFR 120.391 - What is the Builders Loan Program?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct...

  8. 13 CFR 107.845 - Maximum rate of amortization on Loans and Debt Securities.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Maximum rate of amortization on... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES Financing of Small Businesses by Licensees Structuring... rate of amortization on Loans and Debt Securities. The principal of any Loan (or the loan portion...

  9. 76 FR 44055 - BAC Home Loans Servicing, LP, et al.; Notice of Application and Temporary Order

    Science.gov (United States)

    2011-07-22

    ... COMMISSION BAC Home Loans Servicing, LP, et al.; Notice of Application and Temporary Order July 18, 2011... Act, with respect to an injunction entered against BAC Home Loans Servicing, LP (``HLS'') on May 31... (``BAC''). HLS is an entity that services mortgage loans and provides mortgage services,...

  10. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Loans in areas having special flood hazards...) Investments and Loans § 208.25 Loans in areas having special flood hazards. (a) Purpose and scope—(1) Purpose. The purpose of this section is to implement the requirements of the National Flood Insurance Act of...

  11. Student Loans: Default Rates Need To Be Computed More Appropriately. Report to Congressional Requesters.

    Science.gov (United States)

    Hembra, Richard L.

    This report examines how the Department of Education calculates the default rate for two federal student loan programs--the Federal Family Education Loan program (FFELP) and the William D. Ford Federal Direct Loan Program (FDLP). The report focuses on three questions regarding these programs: (1) whether there has been an increase in the number of…

  12. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-03-15

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  13. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2011-02-02

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG... Federal Perkins Loan Program, Federal Work-Study Program, and Federal Supplemental Educational...

  14. 77 FR 4547 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2012-01-30

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... requests and documents from postsecondary institutions for the Federal Perkins Loan, Federal Work-Study.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  15. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments... Federal Home Loan Banks (Banks) to make those requirements consistent with other data reporting... Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank Act (Bank Act) by adding a...

  16. The Bank's Choice of Financing and the Correlation Structure of Loan Returns

    NARCIS (Netherlands)

    Ioannidou, V.; Pierides, Y.

    2003-01-01

    This paper examines how the correlation structure of loan returns within a bank s loan portfolio a.ects its choice of .nancing when the bank faces binding capital constraints and there is asymmetric information about the quality of its loans.The paper uses an asymmetric information model similar to

  17. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaces EBC DP 2010-032)

    NARCIS (Netherlands)

    Baele, L.; Farooq, M.; Ongena, S.

    2012-01-01

    We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on conventional lo

  18. 76 FR 66769 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012

    Science.gov (United States)

    2011-10-27

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after October 21, 2011. Military Reservist Loan Program--4.000%. Dated: October 19, 2011. James...

  19. 78 FR 5555 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013

    Science.gov (United States)

    2013-01-25

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after January 18, 2013. Military Reservist Loan Program--4.000% Dated: January 18, 2013. James E....

  20. 78 FR 65416 - Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014

    Science.gov (United States)

    2013-10-31

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after October 18, 2013. Military Reservist Loan Program: 4.000% Dated: October 21, 2013. James E....