Sample records for lending act docket
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78 FR 25818 - Truth in Lending (Regulation Z)
2013-05-03
... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0039] RIN 3170-AA28 Truth in Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official interpretations. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) issues this final...
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78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)
2013-01-22
... the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., based on findings that economic stability... Current Mortgage Origination Market Even with the economic downturn and tightening of credit standards...'' numbered 7, 10, 11, and 12, maintained by the Economic Research Service (ERS) of the United States...
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2012-03-28
... and will be publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...
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76 FR 18007 - Intermediary Lending Pilot Program
2011-04-01
..., which are referenced in the Act's legislative history as bases for the ILP program. Requiring ILP... delinquency by an Eligible Small Business Concern. Finally, ILP Intermediaries will incur some costs of... loan request, lending history, projected lending activity, information regarding current or previous...
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76 FR 11319 - Truth in Lending
2011-03-02
... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... Final Rule Congress enacted TILA based on findings that economic stability would be enhanced and... Economic Recovery Act of 2008 (HERA), also provides that its principal obligation limitations are subject...
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75 FR 81836 - Truth in Lending
2010-12-29
... the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and... MDIA is contained in Sections 2501 through 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic...
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Dynamic Incentives in Microfinance Group Lending
Directory of Open Access Journals (Sweden)
Naveen Kumar K
2012-04-01
Full Text Available One of the most essential tools of poverty reduction would be the viable expansion of institutional credit facilities to large sections of the people who neither have adequate collateral nor credit history to secure a loan. In this backdrop, social collateral is popularized through the group lending programs to address the credit market problems. Microfinance through group lending is acting as a screening device; the joint liability mechanism creates incentives for internal monitoring. Hence, it has received a lot of attention from policy makers as well as academicians. It is playing an important role in delivering financial services to the “socially and economically excluded” poor, in general, and women, in particular. The group lending works with various dynamic incentives. One such kind is principle of progressive lending and it plays a vital role in sustaining the groups for the persistent delivery of microfinance services to its members. In progressive lending, a typical borrower receives very small amounts at first, which increases with good repayment conduct or it links new, larger loans to past repayment. This article explores possible theoretical and empirical relationship between progressive lending and its determinants in group lending approach. The primary survey was conducted in 10 villages covering 106 self-help groups and 318 members in Karnataka, India. The empirical results show the progressive lending amount rising up to 698% of the initial loan of the self-help groups.
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75 FR 58469 - Regulation Z; Truth in Lending
2010-09-24
... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...
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Home-mortgage lending trends in New England in 2010
Ana Patricia Muñoz
2012-01-01
This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.
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76 FR 18354 - Truth in Lending
2011-04-04
... extent that a creditor imposed charges that were inconsistent with Regulation Z while the account was... amounts charged during the period the account was exempt or to provide disclosures regarding transactions...) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit...
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78 FR 70194 - Truth in Lending (Regulation Z)
2013-11-25
... FEDERAL RESERVE SYSTEM 12 CFR Part 226 [Docket No. R-1470] BUREAU OF CONSUMER FINANCIAL PROTECTION... Governors of the Federal Reserve System (Board); and Bureau of Consumer Financial Protection (Bureau... Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt...
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P2P Lending Risk Contagion Analysis Based on a Complex Network Model
Directory of Open Access Journals (Sweden)
Qi Wei
2016-01-01
Full Text Available This paper analyzes two major channels of P2P lending risk contagion in China—direct risk contagion between platforms and indirect risk contagion with other financial organizations as the contagion medium. Based on this analysis, the current study constructs a complex network model of P2P lending risk contagion in China and performs dynamics analogue simulations in order to analyze general characteristics of direct risk contagion among China’s online P2P lending platforms. The assumed conditions are that other financial organizations act as the contagion medium, with variations in the risk contagion characteristics set under the condition of significant information asymmetry in Internet lending. It is indicated that, compared to direct risk contagion among platforms, both financial organizations acting as the contagion medium and information asymmetry magnify the effect of risk contagion. It is also found that the superposition of media effects and information asymmetry is more likely to magnify the risk contagion effect.
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What Truth in Lending Means to You.
Board of Governors of the Federal Reserve System, Washington, DC.
Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…
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75 FR 58505 - Regulation Z; Truth in Lending
2010-09-24
.... Reasons for the Proposed Rule Congress enacted TILA based on findings that economic stability would be... and Regulation Z Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and competition among consumer credit providers would be strengthened by the...
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78 FR 18795 - Truth in Lending (Regulation Z)
2013-03-28
... of credit at account opening. The consumer is also required to pay a cash advance fee that is equal... amount equal to any fees the consumer was required to pay with respect to the account that exceed 25... Regulation Z, which implements the Truth in Lending Act, and the Official Interpretations of the regulation...
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2012-06-21
... from derivative transactions, repurchase agreements, reverse repurchase agreements, securities lending... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction...
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2013-03-27
...With this document, EPA is opening the public comment period for several registration reviews. Registration review is EPA's periodic review of pesticide registrations to ensure that each pesticide continues to satisfy the statutory standard for registration, that is, the pesticide can perform its intended function without unreasonable adverse effects on human health or the environment. Registration review dockets contain information that will assist the public in understanding the types of information and issues that the Agency may consider during the course of registration reviews. Through this program, EPA is ensuring that each pesticide's registration is based on current scientific and other knowledge, including its effects on human health and the environment. This document also announces the Agency's intent not to open registration review dockets for iodomethane or ethametsulfuron-methyl. Iodomethane and ethametsulfuron-methyl are undergoing phase-outs of all U.S. pesticide registrations. The cancellations of the iodomethane end use registrations became effective on December 31, 2012, and the cancellation of the sole technical product registration will become effective on December 1, 2015. The cancellations of all ethametsulfuron-methyl product registrations became effective on February 20, 2013. Therefore, iodomethane and ethametsulfuron-methyl are not scheduled for review under the registration review program. This document also announces the registration review case closures for the pesticides alkyl amine hydrochloride (case 3051) and halofenozide (case 7425), and the availability of their respective Case Closure Documents. The cancellation of all alkyl amine hydrochloride registrations became effective on October 17, 2012. The cancellation of all U.S. halofenozide registrations became effective December 21, 2012. These case closure are being announced herein with no comment period.
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2010-01-01
... community development lending criterion. (b) Performance criteria. The OCC evaluates a bank's lending performance pursuant to the following criteria: (1) Lending activity. The number and amount of the bank's home... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d...
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2013-04-09
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration 21 CFR Chapter I [Docket No. FDA-2013-N-0365] Establishment of a Public Docket for Administrative Detention Under the Food and Drug Administration Safety and Innovation Act AGENCY: Food and Drug Administration, HHS. ACTION: Establishment of...
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EPA Administrative Enforcement Dockets
U.S. Environmental Protection Agency — The EPA Administrative Enforcement Dockets database contains the electronic dockets for administrative penalty cases filed by EPA Regions and Headquarters. Visitors...
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2010-01-01
... criterion. (b) Performance criteria. The FDIC evaluates a bank's lending performance pursuant to the... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d... a bank's lending performance as provided in Appendix A of this part. ...
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Monetary transmission and bank lending in Germany
Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier
1999-01-01
This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...
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75 FR 16114 - Registration Review; Biopesticides Dockets Opened for Review and Comment
2010-03-31
... ENVIRONMENTAL PROTECTION AGENCY [EPA-HQ-OPP-2010-0118; FRL-8816-1] Registration Review; Biopesticides Dockets Opened for Review and Comment AGENCY: Environmental Protection Agency (EPA). ACTION...: March 25, 2010. Keith A. Matthews, Acting Director, Biopesticides and Pollution Prevention Division...
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12 CFR 563e.22 - Lending test.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... community development lending criterion. (b) Performance criteria. The OTS evaluates a savings association's...
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Lending sociodynamics and economic instability
Hawkins, Raymond J.
2011-11-01
We show how the dynamics of economic instability and financial crises articulated by Keynes in the General Theory and developed by Minsky as the Financial Instability Hypothesis can be formalized using Weidlich’s sociodynamics of opinion formation. The model addresses both the lending sentiment of a lender in isolation as well as the impact on that lending sentiment of the behavior of other lenders. The risk associated with lending is incorporated through a stochastic treatment of loan dynamics that treats prepayment and default as competing risks. With this model we are able to generate endogenously the rapid changes in lending opinion that attend slow changes in lending profitability and find these dynamics to be consistent with the rise and collapse of the non-Agency mortgage-backed securities market in 2007/2008. As the parameters of this model correspond to well-known phenomena in cognitive and social psychology, we can both explain why economic instability has proved robust to advances in risk measurement and suggest how policy for reducing economic instability might be formulated in an experimentally sound manner.
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12 CFR 614.4351 - Computation of lending and leasing limit base.
2010-01-01
... adjustments: (1) Where one institution invests in another institution in connection with the sale of a loan... the purchasing institution. (2) Stock protected under section 4.9A of the Act may be included in the lending and leasing limit base until January 1, 1998. (3) Any amounts of preferred stock not eligible to...
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2010-01-01
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...
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75 FR 63703 - Privacy Act of 1974; Privacy Act Regulation
2010-10-18
... FEDERAL RESERVE SYSTEM 12 CFR Part 261a [Docket No. R-1313] Privacy Act of 1974; Privacy Act... implementing the Privacy Act of 1974 (Privacy Act). The primary changes concern the waiver of copying fees... records under the Privacy Act; the amendment of special procedures for the release of medical records to...
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A New Paradigm for Secure Social Lending
Serrelis, Emmanouil; Alexandris, Nikolaos
Social Lending is one of the latest trends in Social Networking, offering a communication and financial channel between individual borrowers and lenders. The various Social Lending transaction schemes could be subject to multiple security threats, in both financial and technical terms, which could affect the integrity of the service as well as the trust of citizens. This paper provides an overview of the basic characteristics of Social Lending as well as an analysis the potential security issues suggesting some appropriate corrective measures. The ultimate target is to enforce the Social Lending effort with an information security foundation that could become an appreciable alternative to the "traditional" lending system.
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2013-07-11
... Administration Safety and Innovation Act (FDASIA) Section 1138, enacted July 9, 2012, and posted on the FDA Web... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2013-N-0757] Establishment of a Public Docket for Comment on the Report Prepared Under the Food and Drug Administration...
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Monetary transmission and bank lending in Germany
Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier, [No Value
1999-01-01
This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing
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2010-01-01
... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... analyzing the financial and operational soundness of the borrower and the ability of the borrower to repay...
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12 CFR 34.62 - Real estate lending standards.
2010-01-01
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...
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Monitoring Costs and Multinational-Bank Lending
Ralph de Haas
2006-01-01
We use a two-country model to examine how endogenous changes in monitoring intensity and exogenous changes in monitoring efficiency affect multinational-bank lending. First, an endogenous decline in monitoring intensity limits the amount of deposits that banks can attract. This lowers bank lending. Shocks that reduce bank capital relative to firm capital therefore have a stronger negative effect on bank lending compared to a model with exogenous monitoring intensity. Second, international dif...
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Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium :Part 1
Directory of Open Access Journals (Sweden)
Corlia Maritha van Heerden
2018-03-01
Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.
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Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2
Directory of Open Access Journals (Sweden)
Corlia M van Heerden
2018-03-01
Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.
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Nod of Approval For Black Lending
Institute of Scientific and Technical Information of China (English)
无
2011-01-01
Private lending, once obscure and operated underground, gets an unofficial go-ahead from the Central Government When it comes to underground or black market lending, a major source of financing for small and medium-sized business owners, the Chinese Government had taken much the same approach as a legendary hero combating a mythological hydra:decapitating the many heads in an effort to slay the beast. Even now, as the government steps up efforts to tighten credit, the heads of the underground lending realm are sprouting up as fast as they are being cut off,
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This procedure identifies the specific requirements, processes and supporting documents EPA uses to electronically manage rulemaking and other docketed records in the Federal Docket Management System (FDMS).
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76 FR 43385 - Lending and Investment
2011-07-20
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...
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76 FR 28504 - Lending and Investment
2011-05-17
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...
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An Analysis of European Online micro-lending Websites
Arvind Ashta; Djamchid Assadi
2009-01-01
Purpose of the paper: With the development of web 2.0, a new kind on lending is taking place on the internet, termed peer to peer lending or social lending. In Europe, this includes commercial lending websites such as Zopa, smava, boober, Kokos, Monetto. At the same time, following the lead of Kiva in the US, European microcredit web platforms are coming up including MyC4 and Babyloan in Europe. The paper examines how the legal design of the online websites differs from the microcredit websit...
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7 CFR 1781.17 - Docket preparation and processing.
2010-01-01
... preparation, with a list of documents to be included in the docket. (3) Objectives of the docket. The docket.... (b) Loan processing by State Office—(1) Review of the docket. The processing office will check the... for authorized purposes. (v) Actions are in compliance with requirements of applicable Federal and...
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12 CFR 208.51 - Real estate lending standards.
2010-01-01
... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...
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2010-04-01
... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Docket. 102.27 Section 102.27 Foreign Relations... other than the Director of the Office of Aviation and summaries of oral communications prepared in...) All comments submitted under this subpart and placed in the docket, are available for public...
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E-book lending in digital libraries: systematic review
Directory of Open Access Journals (Sweden)
Mehdi Alipour-Hafezi
2016-12-01
Full Text Available The purpose of this study is systematic review of e-book lending in digital libraries in order to identify the status of researches in e-book lending, exist research gaps, and their research methods. In this way, systematic review is used for study. Searching in databases in three steps finally showed 36 research resources to be studied. Findings demonstrate that researches on e-book lending are in progress and at the future this domain will be in the spotlight. Also findings showed that subjects such as e-book lending, business models and status of laws in e-book lending are the main fields that need more researches. Moreover study on research methods showed that most of the researches had done by quantitative approach and survey method.
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12 CFR 365.2 - Real estate lending standards.
2010-01-01
... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS § 365.2 Real estate lending standards. (a) Each insured state... extensions of credit that are secured by liens on or interests in real estate, or that are made for the...
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Collateral Damage: Interlibrary Loan Lending Denials
Leykam, Andrew
2009-01-01
The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…
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LENDING STRUCTURE AND MARKET RISK EXPOSURES: THE MALAYSIAN CASE
Directory of Open Access Journals (Sweden)
Aisyah Abdul Rahman
2009-01-01
Full Text Available This study addresses the linkages between lending structure and market risk exposure. The influence of lending structure is analysed by four measures: the real estate lending, the specialisation index, the short-term lending stability, and the medium-term lending stability. Our findings show that lending structure to some extent affects the market risk exposure to some extend. At the same time, listed bank holding companies showed higher levels of market risk during and after the 1997 Asian financial crisis. Meanwhile, the desired effect of bank mergers in terms of reducing market risk exposure did not materialise in this study. Thus, the findings of this study posits at least two implications; (1 policy makers should react accordingly in the decision-making process towards achieving the expected result of the monetary policy transmission mechanism, and (2 banks and investors should account the impact of lending structures in addition to the significance effect of loan expansion and management efficiency when determining market risk exposure of bank holding companies.
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Lending behavior of multinational bank affiliates
Directory of Open Access Journals (Sweden)
Alexis Derviz
2011-03-01
Full Text Available We study the parent influence on lending by affiliates of a multinational bank. In the proposed theoretical model, local lending is influenced by shareholder-affiliate manager delegation and precautionary motives. The outcome is either contagion (the loan volume in the affiliate follows the direction of the parent bank country shock or performance-based reallocation of funds (substitution, depending on the degree of manager delegation in the affiliate and the liquidity-sensitivity in theparent bank. Empirical investigation, deliberately conducted on a sample not covering the latest financial crisis, shows that also in “normal” times, multinational banks that are likely to delegate lending decisions or be more liquidity-sensitive are more inclined towards contagionist behavior.
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Power Reactor Docket Information
International Nuclear Information System (INIS)
1976-08-01
A listing of citations and subject indexing for documentation associated with the regulation of commercial nuclear facilities is presented. This documentation for the most part is that submitted to the U.S. Nuclear Regulatory Commission in accordance with regulatory processes in support of applications for construction permits and operating licenses. The citations are listed in Docket Number order. The citations are preceded by two tables of contents that allow the correlation of Docket Numbers and Facility Names. An alphabetic subject index follows the citations
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2010-05-05
... Management Act (Magnuson-Stevens Act) Provisions; Fishing Vessel, Fishing Facility and Individual Fishing... Fisheries Finance Program (FFP or the Program) provides long-term financing to the commercial fishing and...) lending program, 16 U.S.C. 1855(i)(1). The Magnuson-Stevens Fishery Conservation and Management...
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2010-12-22
... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...
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2011-06-29
... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...
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Kiva.org: Crowd-Sourced Microfinance & Cooperation in Group Lending
Hartley, Scott
2010-01-01
At the end of 2008 Kiva.org announced the creation of “Lending Teams,” or cohesive open or closed membership groups established and categorized according to scope. These Lending Teams introduce forms of cooperative many-to-one and many-to-many group lending, based on tenuous concepts of identity. Groups vary according to category, size, scope, and activity, and this impacts participatory vitality of crowd-sourced lending. Looking specifically at Kiva.org as a prominent online community for p...
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2011-09-30
... placed on the Internet and will be publicly available only in hard copy form. Publicly available docket... available in hard copy, at the OPP Regulatory Public Docket in Rm. S-4400, One Potomac Yard (South Bldg... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...
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Monetary transmission and bank lending in the Netherlands
Kakes, Jan
1998-01-01
This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.
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Determinants of Default in P2P Lending.
Directory of Open Access Journals (Sweden)
Carlos Serrano-Cinca
Full Text Available This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449 from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.
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Determinants of Default in P2P Lending.
Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz
2015-01-01
This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.
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On US politics and IMF lending
DEFF Research Database (Denmark)
Andersen, Thomas Barnebeck; Harr, Thomas; Tarp, Finn
2006-01-01
The political factors shaping IMF lending to developing countries have attracted attention in recent empirical work. This goes in particular for the role and influence of the US. However, scant formal modelling makes interpretation of empirical results difficult. In this paper, we propose a model...... in which the US acts as principal within the IMF and seeks to maximize its impact on the policy stance of debtor countries. We derive an optimal loan allocation mechanism, which leads to the testable hypothesis that the probability of an IMF loan is increasing in the amount of political concessions...... countries make. A political concession is defined as the distance between a country's bliss point and its actual policy stance measured relative to the US. We introduce a bliss-point proxy and demonstrate that our hypothesis is strongly supported in the data. Moreover, we show that not accounting for bliss...
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Exploring the critical factors influencing online lending intentions
Wang, Peng
2015-01-01
Background: Online lending (P2P lending) is a type of internet finance mainly used to meet the financial needs of small and medium-sized enterprises and groups of individuals. It is a supplement to the traditional financial system. Method: This paper uses PPDai.com - the most influential online lending platform in China - as a research object to study the leading factors that affect lenders' loan trust and perception of information asymmetry. It also studies the impacts of these factors on le...
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Riley, Richard W.
1997-01-01
In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…
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MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA
Directory of Open Access Journals (Sweden)
Rofikoh Rokhim
2014-10-01
Full Text Available AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51
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Monetary transmission and bank lending in the Netherlands
Kakes, Jan
1998-01-01
This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use
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On the roles of different foreign currencies in European bank lending
Krogstrup, Signe; Tille, Cedric
2015-01-01
We draw on a new data set on the use of Swiss francs and other currencies by European banks to assess the patterns of foreign currency bank lending. We show that the patterns differ sharply across foreign currencies. The Swiss franc is used predominantly for lending to residents, especially households. It is sensitive to the interest rate differential, exchange rate developments, funding availability, and to some extent international trade. Lending in other currencies is more used in lending ...
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Lending Video Game Consoles in an Academic Library
Buller, Ryan
2017-01-01
This paper will outline the process and discussions undertaken at the University of Denver's University Libraries to implement a lending service providing video game consoles. Faculty and staff at the University Libraries decided to pursue the new lending service, though not a traditional library offering, to support the needs of a video game…
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Marketing-Mix of Online Social Lending Websites
Djamchid Assadi; Meredith Hudson
2010-01-01
With the rise of microfinance in developing countries and its evolution to a business model in developed nations, microfinance has fully transitioned to the internet, taking the distinctive form of social lending. However, the marketing trends of emerging peer-to-peer micro-lending websites have been largely unexplored during its rise to recognition due to most studies focusing on financial, economic, political and humanitarian issues in context to microfinance. However, based on a sample of ...
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Lending Interest Rates’ Relationships of Malaysia and Other Countries
Directory of Open Access Journals (Sweden)
Noor Azryani Auzairy
2016-06-01
Full Text Available This paper is to examine the relationship of Malaysia‟s lending interest rate with other countries which include China, Singapore, United States, Indonesia and Thailand. Those five countries are Malaysia‟s major trading partners. The daily base lending interest rates from 2006 to 2014 were applied to this study. The associations of the interest rates were tested by coefficient correlation and multivariate regression analysis. Results showed that Malaysian lending interest rate is significant and positively related to those of China, Thailand and the United States. Among the five countries‟ interest rates, only the changes in interest rates of China, Thailand and the United States would affect Malaysia‟s lending rate. The independence of monetary policy would hardly be expected by the Malaysian authority, Bank Negara, in its decision on lending interest rate. In addition, it may affect the trade finance and money market hedge decisions by the international traders. This study provides an overview and guidance to the government authorities in making more effective decisions related to monetary policy, international trade and foreign exchange exposure in order to strengthen the economy.
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The impact of monetary policy on bank lending rate in South Africa
Directory of Open Access Journals (Sweden)
B.T. Matemilola
2015-03-01
Full Text Available The pass-through of the policy rates to bank lending rate is an important subject matter because it measures the effectiveness of monetary policy to control inflation or stabilize the economy. This study investigates the long-run interest rate pass-through of the money market rate to the bank lending rate and asymmetric adjustment of the bank lending rate. The study applies the momentum threshold autoregressive and asymmetric error correction models. The asymmetric error correction results reveal that bank lending rate adjusts to a decrease in the money market rate in South Africa. The findings suggest that the South African commercial banks adjust their lending rate downward but the lending rate appears rigid upward, which supports the customer reaction hypothesis.
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2012-06-07
... of a data breach. (See also on HUD's privacy Web site, Appendix I for other ways that the Privacy Act... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-04] Privacy Act of 1974; Notification to Update an Existing Privacy Act System of Records, ``Grievance Records'' AGENCY: Office of the...
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Rosenberg, Angela; Margolis, Lewis H; Umble, Karl; Chewning, Linda
2015-02-01
This study describes the effects of interdisciplinary leadership training on a retrospective cohort (2001-2009) of the University of North Carolina MCH Leadership Education in Neurodevelopmental and Related Disabilities (UNC-CH LEND) program, including LEND graduates who were selected to participate in a focused Interdisciplinary Leadership Development Program (ILDP) in addition to their LEND training. Specifically, the study examined graduates' reports of the relationship between LEND training and their attitudes/beliefs about interdisciplinary practice, as well as their reported use of interdisciplinary skills in their post-fellowship practice settings. Using a post-test design, participants in the LEND and ILDP programs were contacted to complete an on-line survey. Using a Conceptual Model guided by EvaluLEAD, respondents were asked to rate the influence of the UNC-LEND training program on their attitudes/beliefs and skills using a 5-point Likert scale, as well as through open-ended descriptions. The 49 LEND respondents represented a 56% overall response rate from years 2001-2009. ILDP participants reported greater agreement with interdisciplinary attitudes/beliefs and more frequent use of interdisciplinary skills than did the non-participants. Graduates of LEND as well as ILDP reported the influence of training through a range of qualitative responses. Response examples highlight the influence of LEND training to promote outcomes at the individual, organizational and systems level. Findings from this study illustrate that MCHB funded LEND training has a strong influence on the future employment and interdisciplinary practices of graduates for the MCH workforce as well as services for individuals with developmental disabilities, their families and systems of care.
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Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.
Rugh, Jacob S; Albright, Len; Massey, Douglas S
2015-05-01
In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today.
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12 CFR 560.100 - Real estate lending standards; purpose and scope.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...
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Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing
Beck, T.H.L.; Ioannidou, V.; Schäfer, L.
2012-01-01
Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending techniques
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Peer-to-peer lending and bias in crowd decision-making.
Singh, Pramesh; Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z; Uzzi, Brian
2018-01-01
Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country-pair relationships.
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2011-03-09
... Affairs. Communications and Video Accessibility Act of 2010 (CG Docket No. 10-213); Amendments to the... People who are Blind, Deaf-Blind, or Have Low Vision (CG Docket No. 10-145). Summary: The Commission will...-First Century Communications and Video Accessibility Act of 2010 (CVAA). The NPRM proposes rules...
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Power Reactor Docket Information. Annual cumulation (citations)
International Nuclear Information System (INIS)
1977-12-01
An annual cumulation of the citations to the documentation associated with civilian nuclear power plants is presented. This material is that which is submitted to the U.S. Nuclear Regulatory Commission in support of applications for construction and operating licenses. Citations are listed by Docket number in accession number sequence. The Table of Contents is arranged both by Docket number and by nuclear power plant name
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Appraisal of Priority Sector Lending by Commercial Banks in India
C Bhujanga Rao
2014-01-01
This report provides an overview of the performance of priority sector lending by commercial banks in India. The review captures the changing contours of Reserve Bank of India policy on priority sector advances. The paper analyses the trends in priority sector lending for the period 1995-2011, the burden of non-performing assets of commercial bank in priority sector lending and the extent to which priority sector targets are achieved by individual banks. It is observed that the scheduled comm...
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Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending
Sven C. Berger; Fabian Gleisner
2009-01-01
We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer) lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reduci...
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13 CFR 120.150 - What are SBA's lending criteria?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's lending criteria... Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending... depth of management; (c) Strength of the business; (d) Past earnings, projected cash flow, and future...
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The National Credit Act Regarding Suretyships and Reckless Lending
African Journals Online (AJOL)
In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...
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2010-11-24
... credit approval decision with respect to each mortgage loan application? What level of scrutiny do... Procedures Act (RESPA): Solicitation of Information on Changes in Warehouse Lending and Other Loan Funding... guidance under RESPA to address possible changes in warehouse lending and other financing mechanisms used...
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Debt maturity and relationship lending: An analysis of European SMEs
Hernandez-Canovas, G.; Koeter-Kant, J.
2008-01-01
This article examines the association between bank debt maturity and relationship lending using a unique survey sample of 3366 SMEs from 19 European countries. The knowledge of how the institutional environment shapes relationship lending helps us to understand how current institutional changes,
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Models of sequential decision making in consumer lending
Kanshukan Rajaratnam; Peter A. Beling; George A. Overstreet
2016-01-01
Abstract In this paper, we introduce models of sequential decision making in consumer lending. From the definition of adverse selection in static lending models, we show that homogenous borrowers take-up offers at different instances of time when faced with a sequence of loan offers. We postulate that bounded rationality and diverse decision heuristics used by consumers drive the decisions they make about credit offers. Under that postulate, we show how observation of early decisions in a seq...
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Bank Lending and Property Prices in Hong Kong
Gerlach, Stefan; Peng, Wensheng
2004-01-01
This paper studies the relationship between residential property prices and lending in Hong Kong. This is an interesting topic for three reasons. First, swings in property prices have been extremely large and frequent in Hong Kong. Second, under the currency board regime, monetary policy can not be used to guard against asset price swings. Third, despite the collapse in property prices since 1998, the banking sector remains sound. While the contemporaneous correlation between lending and prop...
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BANK LENDING EVOLUTION IN ROMANIA DURING 2008-2015
Directory of Open Access Journals (Sweden)
Valentin Mihai LEOVEANU
2016-06-01
Full Text Available The period of global nuisance of banking and financial sector during the international financial crisis continues to have overwhelming implications in the current period, which requires careful research of monetary and financial phenomena locally and globally. In this sense, this article aims to highlight key aspects of the Romanian investment environment in the context of international economic environment and monetary policy transmission mechanisms in the Romanian economy. Following this approach, the study focuses on analyzing the financial position of banks operating in Romania, the evolution of lending by type of entity and positive/negative aspects about the impact of monetary policy measures and the NBR regulations on bank lending. The study shows conclusively the positive and the negative effects of lending evolution on the Romanian economy, on the solvency and bankruptcy risk of Romanian companies and on the behavior of debtors and creditors in credit relationships.
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77 FR 74831 - Fair Credit Reporting Act Disclosures
2012-12-18
... the FACT Act added a new Section 612(a) to the FCRA that gives consumers the right to request free... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2012-0047] Fair Credit Reporting Act Disclosures AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice regarding charges for certain...
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12 CFR 528.2 - Nondiscrimination in lending and other services.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nondiscrimination in lending and other services. 528.2 Section 528.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION REQUIREMENTS § 528.2 Nondiscrimination in lending and other services. (a) No savings association...
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The Bank Lending Channel: Evidence from Australia
Directory of Open Access Journals (Sweden)
Luke Liu
2014-06-01
Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.
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Lending Sociodynamics and Drivers of the Financial Business Cycle
Directory of Open Access Journals (Sweden)
Raymond J. Hawkins
2017-10-01
Full Text Available We extend sociodynamic modeling of the financial business cycle to the Euro Area andJapan. Using an opinion-formation model and machine learning techniques we find stable modelestimation of the financial business cycle using central bank lending surveys and a few selectedmacroeconomic variables. We find that banks have asymmetric response to good and bad economicinformation, and that banks adapt to their peers’ opinions when changing lending policies.
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Does bank ownership affect relationship lending: A developing country perspective
Directory of Open Access Journals (Sweden)
Ashiqur Rahman
2017-05-01
Full Text Available In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks and foreign banks - can affect relationship lending to small and medium enterprises (SMEs by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants. Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks.
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The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System
Directory of Open Access Journals (Sweden)
Mansor H. Ibrahim
2017-02-01
Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.
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Lending policies of informal, formal and semiformal lenders - Evidence from Vietnam
Pham, Thi Thu Tra; Lensink, Robert
2007-01-01
This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related
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Designing an Information System for Decision Support Lending
Directory of Open Access Journals (Sweden)
Adrian LUPASC
2017-04-01
Full Text Available The successful development of financial and banking activities requires a strong information support to ensure the competitive edge over the other competitors on the market. The exponential growth in the volume of lending financial operations made the use of modern information technology in banking has become fundamental to improving lending activity. Thus, the design and use of a computer system adapted to specific requirements of bank lending will provide opportunities to diversify and modernize the procedures for granting, repayment and credit guarantee to correlate products offer credit demands and customer needs. In this regard, the related objectives of this work are oriented to emphasize the positive impact of the adoption of modern information technologies in decision making in the banking field. The proposed objectives are justified by presenting solutions support system of credit decision which aims to automate ongoing operations specific to a banking allowing bank clerks to process a large number of loan applications in a time very short and to the right decisions and substantiated.
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Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China
SHEN, YAN; SHEN, MINGGAO; XU, ZHONG; BAI, YING
2014-01-01
Summary Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks’ decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs. PMID:26052179
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Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China.
Shen, Yan; Shen, Minggao; Xu, Zhong; Bai, Ying
2009-04-01
Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks' decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs.
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78 FR 33807 - Privacy Act New System of Records
2013-06-05
... DEPARTMENT OF COMMERCE [Docket No. 130520483-3483-01] Privacy Act New System of Records AGENCY... Department's proposal for a new system of records under the Privacy Act. The system is entitled ``Information... Department is creating a new system of records that will enable electronic registration, via the Internet...
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Capital Requirements, Monetary Policy, and Aggregate Bank Lending: Theory and Empirical Evidence.
Thakor, Anjan V
1996-01-01
Capital requirements linked solely to credit risk are shown to increase equilibrium credit rationing and lower aggregate lending. The model predicts that the bank's decision to lend will cause an abnormal run-up in the borrower's stock price and that this reaction will be greater the more capital-constrained the bank. The author provides empirical support for this prediction. The model explains the recent inability of the Federal Reserve to stimulate bank lending by increasing the money suppl...
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76 FR 56968 - [Docket No. FAA-2011-0490; Airspace Docket No. 11-AWP-5
2011-09-15
... DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 71 [Docket No. FAA-2011... Administration (FAA), DOT. ACTION: Final rule. SUMMARY: This action modifies Class E airspace at Tonopah, NV, to... reference action under 1 CFR Part 51, subject to the annual revision of FAA Order 7400.9 and publication of...
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75 FR 33788 - Privacy Act of 1974; System of Records
2010-06-15
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0077] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http:// [[Page 33789
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Directory of Open Access Journals (Sweden)
Sankarshan Acharya
2016-06-01
Full Text Available Public funds include federally insured deposits held under the custody of private banks, central bank loans and taxpayer funds. The principal finding of this paper is that lending such public funds through a private banking system to private hedge funds allied with the banks is inefficient, unstable, fundamentally unfair (unconstitutional and unanimously disagreeable. This finding is akin to the unanimously agreeable safe central banking policy (Acharya, 1991-2016 which, in dynamic general equilibrium, (a eliminates federal guarantee of bank deposits, (b offers every business enterprise and household an option to keep in the central bank any part of its deposits it wants to be held absolutely safely, (c completely deregulates all private banks without any privilege to rob public or private wealth like too-big-to-fail or too-big-to-be-jailed status or the power of market making and clearing. Safe central banking is the only way to make private banks responsible to hold sufficient capital to attract uninsured private deposits like the trading houses currently do. The private banks will then have complete freedom to lend their uninsured deposits to private hedge funds. The Volker Rule (NYT, January 30, 2010, incorporated in the Dodd-Frank Act of 2010, is an infeasible and unworkable band-aid for the moral-hazard driven systemic robbery of wealth creators wrought by the government-ordained private banking custody of public funds. The established systemic moral-hazard problem can be efficiently and constitutionally resolved only through unanimously agreeable safe central banking. Current proposals on overhauling of Fannie and Freddie made by various pundits of systemic robbery amount to a gargantuan amount of public lending to private hedge funds and, hence, inefficient, unstable, unconstitutional and unanimously disagreeable.
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Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market
Dell’Ariccia, G.; Igan, D.; Laeven, L.
2009-01-01
This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new
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Experienced discrimination in home mortgage lending
DEFF Research Database (Denmark)
Secchi, Davide; Seri, Raffaello
2017-01-01
This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...
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78 FR 15731 - Privacy Act of 1974; Computer Matching Program
2013-03-12
... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0011] Privacy Act of 1974; Computer Matching Program AGENCY: Department of Homeland Security/U.S. Citizenship and... amended by the Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503) and the Computer...
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The Impact of Federal Preemption of State Antipredatory Lending Laws on the Foreclosure Crisis
Ding, Lei; Quercia, Roberto G.; Reid, Carolina K.; White, Alan M.
2012-01-01
State antipredatory lending laws (APLs) are designed to protect borrowers against predatory lending that can increase the risk of default and deplete the home equity held by borrowers. Federal regulators instituted preemption that limited the scope and reach of state antipredatory lending regulations for certain lenders. Based on the variation in…
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Lending Behavior of Multinational Bank Affiliates
Czech Academy of Sciences Publication Activity Database
Derviz, Alexis; Podpiera, J.
2011-01-01
Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf
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Bank Lending Policy, Credit Scoring and Value at Risk
Jacobson, Tor; Roszbach, Kasper
1998-01-01
In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank´s decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default risk minimization. The lending policy must thus either be inefficient or be the result of some other type of optimizing behavior than expected profit maximization. Value at Risk, being a value weighted ...
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76 FR 63611 - Privacy Act of 1974; System of Records
2011-10-13
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2011-0025] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... submissions available for public viewing on the Internet at http:// [[Page 63612
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Lending Policies of Informal, Formal, and Semi-formal Lenders: Evidence from Vietnam
Lensink, B.W.; Pham, T.T.T.
2007-01-01
This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related
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78 FR 73511 - Privacy Act of 1974; System of Records
2013-12-06
... DEPARTMENT OF DEFENSE [Docket ID: USN-2013-0046] Privacy Act of 1974; System of Records AGENCY... Privacy Act of 1974, as amended. The system being deleted is N01500-8, System Name: Personnel and Training... Internet at http://www.regulations.gov as they are received without change, including any personal...
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78 FR 69076 - Privacy Act of 1974; System of Records
2013-11-18
... Medical Human Resources System internet (DMHRSi). DHA 12 EDHA 12 Third Party Collection System. DHA 16 DoD... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0216] Privacy Act of 1974... Defense Health Agency's compilation of Privacy Act SORNS. The realignment of the nineteen system...
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Test of the Bank Lending Channel: The Case of Poland
Directory of Open Access Journals (Sweden)
Yu HSING
2013-11-01
Full Text Available This paper tests the bank lending channel for Poland based on a simultaneousequation model consisting of demand for and supply of bank loans. The three-stage least squares method is employed in empirical work. This paper finds support for a bank lending channel for Poland. Expansionary monetary policy through a lower money market rate or open market purchase of government bonds to increase bank reserves/deposits would increase bank loan supply.
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Industries and the bank lending effects of bank credit demand and monetary policy in Germany
Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.
2006-01-01
This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions
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12 CFR 614.4100 - Policies governing lending through Federal land bank associations.
2010-01-01
... lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may delegate authority to make credit decisions to Federal land bank associations that demonstrate the ability... Farm Credit Bank and each agricultural credit bank lending through Federal land bank associations shall...
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77 FR 12641 - Privacy Act of 1974; System of Records Notice
2012-03-01
..., DC 20590. For privacy issues, please contact: Claire W. Barrett (202-366-8135), Departmental Chief... DEPARTMENT OF TRANSPORTATION Office of the Secretary [Docket No. DOT-RITA-2012-0001] Privacy Act... the Privacy Act of 1974, the Department of Transportation proposes to add a new system of records...
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Valuation of Urban Commercial Properties in Nigeria for Secured Lending: Issues and Developments
Directory of Open Access Journals (Sweden)
Namnso Bassey Udoekanem
2018-01-01
Full Text Available Valuation for secured lending is required when an interest in real property is used as security for a loan. The outcome of such valuation will help the lending institution to achieve commercial prudence in lending as well as avoid taking undue risk. This paper examines the issues and developments in the valuation of urban commercial properties in Nigeria for secured lending purposes. It argues that due to the volatile nature of the Nigerian economy, coupled with the linkage between the economy and commercial property markets, the maximum amount of loan to be granted by lenders in the country using interest in commercial property as collateral should be based on the Mortgage Lending Value (MLV and not the Market Value (MV of the property, although the market value should also be reported in the valuation. A case study is used to demonstrate the valuation. It further contends that since the inputs for determining the MLV of a commercial property must be derived from long-term trends in the property and financial markets, it is more stable than MV when used to determine the maximum amount of mortgage loan to be granted by a lender. It concludes that the stability of the MLV makes it more reliable than the MV in achieving commercial prudence in mortgage lending as it fits into the long-term nature of mortgage loan repayment.
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PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS
Directory of Open Access Journals (Sweden)
Roberto Ercegovac
2017-09-01
Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.
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31 CFR 800.303 - Lending transactions.
2010-07-01
... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... the creation in the foreign person of a secured interest in securities or other assets of the U.S...
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Lend Global, Fund Local? Price and Funding Cost Margins in Multinational Banking
Galema, R.; Koetter, M.; Liesegang, C.
2016-01-01
In a proposed model of a multinational bank, interest margins determine local lending by foreign affiliates and the internal funding by parent banks. We exploit detailed parent-affiliate-level data of all German banks to empirically test our theoretical predictions in pre-crisis times. Local lending
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A Method for Accounting for Risk in Lending
National Research Council Canada - National Science Library
Kobylski, Gerald
1997-01-01
..., or decreased to increase competitiveness? Many lending institutions, specifically furniture retailers, do not use scientific methods for determining their risk of payment defaults on loans to customers...
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76 FR 67155 - Privacy Act of 1974; System of Records
2011-10-31
... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: The... Federal Register Liaison Officer, Department of Defense. N05000-1 System name: OPNAV Headquarters Web... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2011-0015] Privacy Act of 1974; System...
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75 FR 22569 - Privacy Act of 1974; System of Records
2010-04-29
... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0014] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... Internet at http://www.regulations.gov as they are received without change, including any personal...
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76 FR 37329 - Privacy Act of 1974; System of Records
2011-06-27
... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2011-0018] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...
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78 FR 60265 - Privacy Act of 1974; System of Records
2013-10-01
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0201] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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75 FR 33794 - Privacy Act of 1974; System of Records
2010-06-15
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0013] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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"Lines of Credit and Relationship Lending in Small Firm Finance"
Allen N. Berger; Gregory E. Udell
1994-01-01
This paper examines the role of relationship lending using a data set on small firm finance. The abilities to acquire private information over time about borrower quality and to use this information in designing debt contracts largely define the unique nature of commercial banking. Recently, a theoretical literature on relationship lending has appeared which provides predictions about how loan interest rates evolve over the course of a bank-borrower relationship. The study focuses on small, m...
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Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates
Chen, Wei; Yang, Yiping; Ma, Hui
2011-01-01
As we know, borrowing and lending risk-free assets arise extensively in the theory and practice of finance. However, little study has ever investigated them in fuzzy portfolio problem. In this paper, the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to...
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Ensuring Economic Security in Lending Sphere
Directory of Open Access Journals (Sweden)
Ivan Vadimovich Kochikin
2016-06-01
Full Text Available Relevance of the topic is determined by the need for sustainable development of the country’s banking system, capable of ensuring the process of raising funds to producers and the public for their projects. One of the implementation of this objective is to discourage unfair behavior in financial markets. Trust is a key factor in the development of financial markets, therefore it is necessary to suppress the appearance of unfair practices and participants – black creditors, falsification of financial statements, trading on insider information and market manipulation. It requires a whole range of activities, and above all ensuring the inevitability and proportionality of punishment for unscrupulous players, the introduction of requirements for the business reputation of the management of financial institutions.The article is devoted to structuring legal violations in the lending sphere. The analysis of indicators of credit organizations in Russia was conducted to fulfill this aim. This analysis revealed the causes of sustainable growth of overdue accounts payable – job cuts in enterprises, violations in the financial sector, various errors in the credit granting / raising. The authors carry out the systematization and classification of offenses in the area of lending, provide examples, as well as factual material illustrating the violations in the lending process having the characteristics of a fraud. The article substantiates the obligations of employees of the credit institution, in the result of which risks of granting credit to fraudsters can be reduced. The methods of fraud prevention should include the identified methods of protection against fraud in the area under consideration – exchange of information by banks associated with the criminal intentions of customers; technology development and technical support, training, and personnel responsibilities.
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76 FR 10010 - Privacy Act of 1974; System of Records
2011-02-23
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0020] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... the public is to make these submissions available for public viewing on the Internet at http://www...
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78 FR 52517 - Privacy Act of 1974; System of Records
2013-08-23
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0183] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 22570 - Privacy Act of 1974; System of Records
2010-04-29
... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0012] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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76 FR 53420 - Privacy Act of 1974; Systems of Records
2011-08-26
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0097] Privacy Act of 1974... notice in its existing inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are [[Page...
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76 FR 11213 - Privacy Act of 1974; Systems of Records
2011-03-01
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2011-OS-0017] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... public is of make these submissions available for public viewing on the Internet at http://www...
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77 FR 37002 - Privacy Act of 1974; System of Records
2012-06-20
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2012-OS-0072] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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76 FR 43993 - Privacy Act of 1974; System of Records
2011-07-22
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0081] Privacy Act of 1974... the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action would be effective... the public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 39921 - Privacy Act of 1974; System of Records
2010-07-13
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0102] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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78 FR 43869 - Privacy Act of 1974; System of Records
2013-07-22
... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2013-0025] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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75 FR 17910 - Privacy Act of 1974; Systems of Records
2010-04-08
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0040] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... viewing on the Internet at http://www.regulations.gov as they are received without change, including any...
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76 FR 66698 - Privacy Act of 1974; System of Records
2011-10-27
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0117] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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75 FR 52517 - Privacy Act of 1974; System of Records
2010-08-26
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0117] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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75 FR 33789 - Privacy Act of 1974; System of Records
2010-06-15
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0078] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http://www.regulations.gov as they are received without change, including any...
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76 FR 45543 - Privacy Act of 1974; System of Records
2011-07-29
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0082] Privacy Act of 1974... subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will be... the public is to make these submissions available for public viewing on the Internet at http://www...
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77 FR 65539 - Privacy Act of 1974; System of Records
2012-10-29
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2012-OS-0132] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. [[Page... Internet at http://www.regulations.gov as they are received without change, including any personal...
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75 FR 67703 - Privacy Act of 1974; System of Records
2010-11-03
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2010-0024] Privacy Act of 1974; System... record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed... the public is to make these submissions available for public viewing on the Internet at http://www...
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77 FR 60412 - Privacy Act of 1974; System of Records
2012-10-03
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2012-0012] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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76 FR 70428 - Privacy Act of 1974; System of Records
2011-11-14
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0120] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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76 FR 62394 - Privacy Act of 1974; System of Records
2011-10-07
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0109] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a... public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 10476 - Privacy Act of 1974; Systems of Records
2010-03-08
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0021] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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75 FR 81247 - Privacy Act of 1974; System of Records
2010-12-27
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0168] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 29728 - Privacy Act of 1974; System of Records
2010-05-27
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0067] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http://www.regulations.gov as they are received without change, including any...
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76 FR 1411 - Privacy Act of 1974; System of Records
2011-01-10
... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2011-0001] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... the public is to make these submissions available for public viewing on the Internet at http://www...
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78 FR 6078 - Privacy Act of 1974; System of Records
2013-01-29
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0011] Privacy Act of 1974... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... public is to make these submissions available for public viewing on the Internet at http:// [[Page 6079...
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77 FR 37885 - Privacy Act of 1974; System of Records
2012-06-25
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2012-OS-0074] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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76 FR 60008 - Privacy Act of 1974; System of Records
2011-09-28
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0023] Privacy Act of 1974; System... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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76 FR 82286 - Privacy Act of 1974; System of Records
2011-12-30
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0028] Privacy Act of 1974; System... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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75 FR 16760 - Privacy Act of 1974; System of Records
2010-04-02
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0037] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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75 FR 17910 - Privacy Act of 1974; System of Records
2010-04-08
... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID: USN-2010-0007] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... viewing on the Internet at http://www.regulations.gov as they are received without change, including any...
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77 FR 60400 - Privacy Act of 1974; System of Records
2012-10-03
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2012-OS-0119] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a(r)), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 63824 - Privacy Act of 1974; System of Records
2010-10-18
... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0026] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... for public viewing on the Internet at http://www.regulations.gov as they are received without change...
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75 FR 15694 - Privacy Act of 1974; Systems of Records
2010-03-30
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0035] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...
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75 FR 65456 - Privacy Act of 1974; System of Records
2010-10-25
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0147] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. [[Page... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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77 FR 26260 - Privacy Act of 1974; System of Records
2012-05-03
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2012-OS-0030] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... make these submissions available for public viewing on the Internet at http://www.regulations.gov as...
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77 FR 66442 - Privacy Act of 1974; System of Records
2012-11-05
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2012-OS-0133] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... Internet at http://www.regulations.gov as they are received without change, including any personal...
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78 FR 14273 - Privacy Act of 1974; System of Records
2013-03-05
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0019] Privacy Act of 1974... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 3714 - Privacy Act of 1974; System of Records
2010-01-22
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0004] Privacy Act of 1974... its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as... available for public viewing on the Internet at http://www.regulations.gov as they are received without...
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76 FR 28002 - Privacy Act of 1974; Systems of Records
2011-05-13
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0052] Privacy Act of 1974... existing inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... the public is to make these submissions available for public viewing on the Internet at http://www...
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76 FR 39394 - Privacy Act of 1974; System of Records
2011-07-06
... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2011-0010] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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77 FR 35945 - Privacy Act of 1974; System of Records
2012-06-15
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2012-OS-0067] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: The proposed action will be... Internet at http://www.regulations.gov as they are received without change, including any personal...
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75 FR 69650 - Privacy Act of 1974; System of Records
2010-11-15
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0026] Privacy Act of 1974... record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed... from members of the public is to make these submissions available for public viewing on the Internet at...
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78 FR 44102 - Privacy Act of 1974; System of Records
2013-07-23
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2013-0027] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...
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75 FR 62111 - Privacy Act of 1974; System of Records
2010-10-07
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0140] Privacy Act of 1974... records notices in its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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78 FR 22525 - Privacy Act of 1974; System of Records
2013-04-16
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-0057] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...
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Financial and estimating indicators for assessment of mortgage lending value
Directory of Open Access Journals (Sweden)
Antonio Benvenuti
2013-08-01
Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.
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Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending
Directory of Open Access Journals (Sweden)
Sven C. Berger
2009-05-01
Full Text Available We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reducing information asymmetries, predominantly for borrowers with less attractive risk characteristics. Our findings may be surprising given the replacement of a bank by an electronic marketplace.
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Iyer, R.; Khwaja, A.I.; Luttmer, E.F.P.; Shue, K.
2009-01-01
The current banking crisis highlights the challenges faced in the traditional lending model, particularly in terms of screening smaller borrowers. The recent growth in online peer-to-peer lending marketplaces offers opportunities to examine different lending models that rely on screening by multiple
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78 FR 21600 - Privacy Act of 1974; System of Records
2013-04-11
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0050] Privacy Act of 1974... notice in its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as... members of the public is to make these submissions available for public viewing on the Internet at http...
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76 FR 10008 - Privacy Act of 1974; System of Records
2011-02-23
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0023] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...
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78 FR 31905 - Privacy Act of 1974; System of Records
2013-05-28
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0110] Privacy Act of 1974... notice in its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as... members of the public is to make these submissions available for public viewing on the Internet at http...
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76 FR 1409 - Privacy Act of 1974; System of Records
2011-01-10
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0001] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...
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76 FR 22682 - Privacy Act of 1974; System of Records
2011-04-22
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2011-OS-0044] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...
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78 FR 5788 - Privacy Act of 1974; System of Records
2013-01-28
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0005] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...
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78 FR 14279 - Privacy Act of 1974; System of Records
2013-03-05
... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0040] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...
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Bargaining power and information in SME lending
J. Grunert (Jens); L. Norden (Lars)
2012-01-01
textabstractSmall- and medium-sized enterprises (SMEs) are informationally opaque and bank dependent. In SME lending, banks largely rely on soft information, because the scale and scope of hard information are limited. We analyze whether and how hard and soft information affects the borrower's
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Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates
Directory of Open Access Journals (Sweden)
Wei Chen
2011-01-01
the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to measure investment risk. The conventional probabilistic mean variance model can be transformed to a linear programming problem under possibility distributions. Finally, a numerical example is given to illustrate the modeling idea and the impact of borrowing and lending on optimal decision making.
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12 CFR 560.170 - Records for lending transactions.
2010-01-01
... practices that: (a) Ensure that the institution can make an informed lending decision and can assess risk on... that any claims against a borrower, guarantor, security holders, and collateral are legally enforceable...
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Effect of Information Asymmetry and Relationship Lending on ...
African Journals Online (AJOL)
Effect of Information Asymmetry and Relationship Lending on Financial ... from small- business- friendly financial institutions, hypotheses postulated by the ... a model of transaction costs of financial contracting that put into consideration the ...
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Interbank Lending Decisions in An Economic Downturn: An Agent-Based Approach
Directory of Open Access Journals (Sweden)
Deddy P. Koesrindartoto
2012-01-01
Full Text Available Interbank lending is one mechanism that can make shock, which is accepted by one bank spread to other banks (contagion. There are several researchers that focused their research on analyzing the effect of interbank lending to systemic risk. However, there is a few research that analyzed the effect of banks’ decision maker’s behavior, especially on the bank interbank lending to the systemic risk. In this research, the author creates an agent-based simulation of the banking system to analyze the effect of banks’ decision maker’s behavior to systemic risk in economic downturn condition. The preliminary result from this research is for an economic downturn in a long time period, the banking system with a low net worth to the asset's ratio threshold will produce more default bank than the banking system with a high net worth to the asset's ratio threshold. However, for an economic downturn in small time period, banking system which all bank in their system has the higher net worth to assets ratio threshold will have the default bank first than the banking system which has the lower net worth to the asset's ratio threshold. Keywords: agent-based simulation, banker behavior, interbank lending, economic downturn
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75 FR 82217 - Community Reinvestment Act Regulations
2010-12-30
... Thrift Supervision 12 CFR Part 563e [Docket ID OTS-2010-0032] RIN 1550-AC45 Community Reinvestment Act... Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC); Office of Thrift Supervision...) regulations to adjust the asset-size thresholds used to define ``small bank'' or ``small savings association...
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13 CFR 120.931 - 504 Lending limits.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false 504 Lending limits. 120.931 Section 120.931 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development... enumerated in § 120.862(b) applies to the Project). [68 FR 57988, Oct. 7, 2003] ...
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US politics and World Bank IDA-lending
DEFF Research Database (Denmark)
Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas
2006-01-01
This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...
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International banking conglomerates and the transmission of lending shocks across borders
Gropp, Reint; Radev, Deyan
2017-01-01
We investigate how solvency and wholesale funding shocks to 84 OECD parent banks affect the lending of 375 foreign subsidiaries. We find that parent solvency shocks are more important than wholesale funding shocks for subsidiary lending. Furthermore, we find that parent undercapitalization does not affect the transmission of shocks, while wholesale shocks transmit to foreign subsidiaries of parents that rely primarily on wholesale funding. We also find that transmission is affected by the str...
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37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.
2010-07-01
... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... packaging that contains the computer program which is lent by a nonprofit library for nonprofit purposes. (b...
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75 FR 59099 - Cable Television Act of 1992
2010-09-27
... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket No. 92-266, FCC 95-397] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the Federal...
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78 FR 11988 - Cable Television Act of 1992
2013-02-21
... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket No. 92-266, FCC 95-397] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the Federal...
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Information from Relationship Lending : Evidence from China
Chang, C.; Liao, G.; Yu, X.; Ni, Z.
2009-01-01
We study the economic role of banks’ soft information, which evolved from repeated lending relationships, in the context of loan default. Using a proprietary database from one of the largest state-owned commercial banks in China, we find that the bank’s internal credit rating scores play a
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76 FR 31350 - Cruise Vessel Safety and Security Act of 2010, Available Technology
2011-05-31
... DEPARTMENT OF HOMELAND SECURITY Coast Guard [Docket No. USCG-2011-0357] Cruise Vessel Safety and Security Act of 2010, Available Technology AGENCY: Coast Guard, DHS. ACTION: Notice of request for comments... Security and Safety Act of 2010(CVSSA), specifically related to video recording and overboard detection...
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Handling Uncertainty in Social Lending Credit Risk Prediction with a Choquet Fuzzy Integral Model
Namvar, Anahita; Naderpour, Mohsen
2018-01-01
As one of the main business models in the financial technology field, peer-to-peer (P2P) lending has disrupted traditional financial services by providing an online platform for lending money that has remarkably reduced financial costs. However, the inherent uncertainty in P2P loans can result in huge financial losses for P2P platforms. Therefore, accurate risk prediction is critical to the success of P2P lending platforms. Indeed, even a small improvement in credit risk prediction would be o...
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78 FR 17766 - Interagency Guidance on Leveraged Lending
2013-03-22
... high-level principles related to safe-and-sound leveraged lending activities, including underwriting considerations, assessing and documenting enterprise value, risk management expectations for credits awaiting distribution, stress- testing expectations, pipeline portfolio management, and risk management expectations for...
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78 FR 11987 - Cable Television Act of 1992
2013-02-21
... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket Nos. 92-266 and 93-215, FCC 94-286] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the...
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The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea
Directory of Open Access Journals (Sweden)
Lien-Wen Liang
2017-12-01
Full Text Available This study examines how small and medium-size enterprises’ (SMEs’ lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.
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76 FR 79195 - Animal Drug User Fee Act; Reopening of the Comment Period
2011-12-21
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0656] Animal Drug User Fee Act; Reopening of the Comment Period AGENCY: Food and Drug Administration, HHS... notice, FDA requested comments on the Animal Drug User Fee Act (ADUFA) program to date and solicited...
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78 FR 16824 - Tobacco Product Manufacturing Practice; Establishment of a Public Docket
2013-03-19
... manufacturing operations. DATES: Submit electronic or written comments on the tobacco companies' recommendations... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration 21 CFR Chapter I [Docket No. FDA-2013-N-0227] Tobacco Product Manufacturing Practice; Establishment of a Public Docket AGENCY: Food...
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75 FR 79278 - Community Reinvestment Act Regulations
2010-12-20
... Congressional intent that the funds have maximum impact and be targeted to States and local communities with the... communities affected by high levels of foreclosures and delinquencies. \\12\\ The Board also received over 650... Thrift Supervision 12 CFR Part 563e [Docket ID OTS-2010-0031] RIN 1550-AC42 Community Reinvestment Act...
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78 FR 64196 - Privacy Act Altered System of Records
2013-10-28
... records to COMMERCE/DEPARTMENT-20, Biographical Files and Social Networks. The amendment serves to modify... DEPARTMENT OF COMMERCE [Docket No. 130730666-3877-02] Privacy Act Altered System of Records AGENCY: Department of Commerce. ACTION: Notice; Commerce/Department-20, Biographical Files. SUMMARY: The Department...
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2010-06-08
.../Legislation/FederalFoodDrugandCosmeticActFDCAct/SignificantAmendmentstotheFDCAct/FoodandDrugAdministration... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0128] Prescription Drug User Fee Act; Meetings on Reauthorization; Request for Notification of Stakeholder Intention...
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2011-10-04
.... ACTION: Notice. SUMMARY: The Food and Drug Administration (FDA) is announcing the Web site location where... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2007-N-0270; formerly Docket No. 2007N-0357] Medical Device User Fee and Modernization Act; Notice to Public of Web Site...
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Directory of Open Access Journals (Sweden)
Chu V. Nguyen
2015-12-01
Full Text Available Asymmetries in the Vietnamese lending central bank’s policy-related rate spread were documented. Empirical results revealed that the spread adjusts to the threshold faster when the central bank’s policy-related rates decrease relative to the lending rates than when the central bank’s policy-related rates move in the opposite direction. Additionally, the empirical findings indicate that Vietnamese commercial banks exhibit competitive rate setting behavior which may be attributable to graft maximization by bank’s management. The results also show bidirectional Granger causality between the Vietnamese lending rate and the central bank’s policy-related rate, indicating that the lending rate and the central bank’s policy-related rate affect each other’s movements. These results suggest that monetary authority can use its countercyclical monetary policy instruments to achieve its macroeconomics objectives. However, the estimation results of the GARCH (2, 3-in-Mean model suggest that they should intervene more frequently and by small policy measures to minimize the conditional variance of the spread to minimize the magnitude of the cycle of the lending rate.
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77 FR 64514 - Sunshine Act Meeting; Open Commission Meeting; Wednesday, October 17, 2012
2012-10-22
... Middle Class Tax Relief and Job AFFAIRS. Creation Act of 2012 (CG Docket No. 12-129); Establishment of a... Class Tax Relief and Job Creation Act of 2012. 3 OFFICE OF Title: Amendment of Part 27 of ENGINEERING... other mobility aids. Sign language interpreters, open captioning, and assistive listening devices will...
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75 FR 38521 - Registration Review; Biopesticide Dockets Opened for Review and Comment
2010-07-02
... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...
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Joint liability lending and the peer selection effect
Gangopadhyay, S; Ghatak, M; Lensink, R
2005-01-01
We show that the joint liability lending contracts derived in Ghatak (2000) violate an ex post incentive-compatibility constraint which says that the amount of joint liability cannot exceed the amount of individual liability. We derive and characterise optimal separating joint liability contracts
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77 FR 66935 - Telephone Consumer Protection Act of 1991
2012-11-08
... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 64 [CG Docket No. 02-278; FCC 12-21] Telephone Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; correction...: Karen Johnson, Consumer and Governmental Affairs Bureau, Consumer Policy Division, at (202) 418- 7706 or...
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Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries
Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.
2009-01-01
While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending
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Who gets the credit? And does it matter? Household vs firm lending across countries
Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.
2012-01-01
While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending
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Online peer-to-peer lending and its implications for small business credit financing in Norway
Brekke, Henrik; Hagerud, Simon
2017-01-01
Masteroppgave(MSc) in Master of Science in Business, Strategy - Handelshøyskolen BI, 2017 This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this cr...
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Online peer-to-peer lending and its implications for small business credit financing in Norway
Brekke, Henrik; Hagerud, Simon
2017-01-01
This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this credit rationing. Our research involves two main parts. First, we study the extent to whi...
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78 FR 63196 - Sunshine Act Meeting; Open Commission Meeting; Monday, October, 28, 2013
2013-10-23
... Creation Act of 2012 (PS Docket No. 12-94); Implementing a Nationwide, Broadband, Interoperable Public... language interpreters, open captioning, and assistive listening devices will be provided on site. Other...
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76 FR 26714 - Privacy Act of 1974; System of Records
2011-05-09
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0010] Privacy Act of 1974; System... specialty, credit hours accumulated, examination and lesson course completion status, assignment history... history, student academic status, curricula, course description, scheduling, testing, academic, graduation...
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75 FR 36644 - Privacy Act of 1974; System of Records
2010-06-28
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0014] Privacy Act of 1974... prisoner, mail records; personal history records; individual prisoner utilization records; requests for... recommendations; request to transfer prisoner; social history; clemency and parole actions; psychologist's report...
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75 FR 60117 - Registration Review; Biopesticides Dockets Opened for Review and Comment
2010-09-29
... publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...
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A decision support model for investment on P2P lending platform.
Zeng, Xiangxiang; Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao
2017-01-01
Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.
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A decision support model for investment on P2P lending platform.
Directory of Open Access Journals (Sweden)
Xiangxiang Zeng
Full Text Available Peer-to-peer (P2P lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model is more efficient and stable than the individual model alone.
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2010-02-01
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2009-0043] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration/Railroad Retirement Board (SSA/RRB))-- Match... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 Public Law (Pub. L.) 100-503...
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Monetary policy, bank size and bank lending: evidence from Australia(new version)
liu, luke
2012-01-01
This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.
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Lending Officers' Decisions to Recommend Innovative Agricultural Technology.
McIntosh, Wm. Alex; Zey-Ferrell, Mary
1986-01-01
Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…
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12 CFR 560.101 - Real estate lending standards.
2010-01-01
..., and reporting requirements to monitor compliance with the savings association's real estate lending... institutions' business plans and, when undertaken in a prudent manner, will not be subject to examiner... policies and strategic plan. Factors that should be considered include: • The size and financial condition...
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29 CFR 501.38 - Notice of docketing.
2010-07-01
... 29 Labor 3 2010-07-01 2010-07-01 false Notice of docketing. 501.38 Section 501.38 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS ENFORCEMENT OF CONTRACTUAL OBLIGATIONS FOR TEMPORARY ALIEN AGRICULTURAL WORKERS ADMITTED UNDER SECTION 218 OF THE...
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29 CFR 502.38 - Notice of docketing.
2010-07-01
... 29 Labor 3 2010-07-01 2010-07-01 false Notice of docketing. 502.38 Section 502.38 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS ENFORCEMENT OF CONTRACTUAL OBLIGATIONS FOR TEMPORARY ALIEN AGRICULTURAL WORKERS ADMITTED UNDER SECTION 218 OF THE...
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2012-07-25
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0090] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA)/Department of Veterans Affairs (VA.... SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503...
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2012-09-06
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0016] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA)/Department of Veterans Affairs (VA.... SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503...
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2013-10-24
... Inspection Service 9 CFR Parts 2 and 3 [Docket No. APHIS-2012-0107] Petition To Amend Animal Welfare Act... the comment period for a petition requesting amendments to the Animal Welfare Act regulations and... notice \\1\\ making available for comment a petition requesting amendments to the Animal Welfare Act...
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12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet
2010-01-01
... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...
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2013-08-20
... 1016 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0022] Privacy Act of 1974, as Amended...
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2013-03-15
... 1021 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of existing computer... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0073] Privacy Act of 1974, as Amended...
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2013-11-21
... Emergency Management Agency, 500 C Street SW., Washington, DC 20475. For privacy issues please contact... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0077] Privacy Act of..., Privacy Office. ACTION: Notice of Privacy Act System of Records. SUMMARY: In accordance with the Privacy...
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2012-07-23
... Homeland Security, Washington, DC 20478. For privacy issues, please contact: Mary Ellen Callahan (703) 235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0097] Privacy Act of... Assistance Grant Programs System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system...
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75 FR 60119 - Registration Review; Antimicrobial Pesticide Dockets Opened for Review and Comment
2010-09-29
... and will be publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...
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2011-11-02
... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0102] Privacy Act of... Data System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of records. SUMMARY: In accordance with the Privacy Act of 1974 the Department of Homeland Security proposes to...
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2013-01-08
... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC-2013-0001] Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY... Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) prohibits providing Federal...
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LENDING IN FOREIGN CURRENCY AND CURRENT CHALLENGES AT EUROPEAN LEVEL
Directory of Open Access Journals (Sweden)
ȘARGU Alina Camelia
2012-12-01
Full Text Available In recent years, most countries in Central and Eastern Europe, Member States of the EU, that we selected for the analysis (Bulgaria, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania have recorded a significant expansion of lending in foreign currency, which was one of the major factors of the accelerated growth of loans to economy. Such developments have led to an increase of indebtedness in foreign currency of the non-financial private sector, especially of the households and of the accumulation of major macroeconomics and financial imbalances. The issue of lending in foreign currency, the determinants of increasing the share of loans in foreign currency and the risks generated at the level of financial stability are the subject of numerous studies, including: Basso, Calvo-Gonzales and Jurgilas (2007; Rosenberg and Tirpak (2008; Csajbók-Andras et al. (2010; Zettelmeyer, Nagy and Jeffrey (2010. Another significant issue addressed in the specialized literature regarding foreign currency loans refers to the role of monetary policy in limiting growth of these loans. Thus, in addition to those noted studies we remark other studies, such as: Kiss et al. (2006; Sirtaine and Skamnelos (2007; Hilbers et al. (2006; Brzoza-Brzezina et al. (2010. Our paper complements the specialized literature on the approached subject, in particular, by highlighting and discussing current issues of high interest for policymakers, both at national and European level regarding lending in foreign currency. The extremely negative implications of lending in foreign currency on financial stability in most countries under review, outlined clearly in the context of the current crisis, determined the focus of the policymakers concern, both at European and national level, regarding the issue of foreign currency loans, which became one of the most discussed issues on the agenda of the monetary-financial authorities. The aim of our research is to
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75 FR 67700 - Privacy Act of 1974; System of Records
2010-11-03
... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2010-0023] Privacy Act of 1974; System... Medical Examination with supporting documentation, the Report of Medical History, and any other reporting... Report of Medical Examination with supporting documentation, the Report of Medical History, and any other...
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Empirical Analysis of Effects of Bank Mergers and Acquisitions on Small Business Lending in Nigeria
Ita, Asuquo Akabom
2012-11-01
Mergers and acquisitions are the major instruments of the recent banking reforms in Nigeria.The effects and the implications of the reforms on the lending practices of merged banks to small businesses were considered in this study. These effects were divided into static and dynamic effects (restructuring, direct and external). Data were collected by cross-sectional research design and were subsequently analyzed by the ordinary least square (OLS) method.The analyses show that bank size, financial characteristics and deposit of non-merged banks are positively related to small business lending. While for the merged banks, the reverse is the case. From the above result, it is evident that merger and acquisition have not only static effect on small business lending but also dynamic effect, therefore, given the central position of small businesses in the current government policy on industrialization in Nigeria, policy makers in Nigeria, should consider both the static and dynamic effects of merger and acquisition on small business lending in their policy thrust.
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2012-11-16
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM10-12-000] Electricity Market Transparency Provisions of Section 220 of the Federal Power Act; Notice of Technical Conference...., Washington, DC 20426. \\1\\ Electricity Market Transparency Provisions of Section 220 of the Federal Power Act...
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2010-10-12
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0015] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Internal Revenue Service (IRS))--Match Number 1016 AGENCY: Social Security... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching...
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2012-05-08
...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching... protections for such persons. The Privacy Act, as amended, regulates the use of computer matching by Federal... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0010] Privacy Act of 1974, as Amended...
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2012-06-29
... Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching program that... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0002] Privacy Act of 1974, as Amended...
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2010-04-09
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0066] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Internal Revenue Service (IRS))--Match 1305 AGENCY: Social Security... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...
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2010-02-22
... Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503), amended the Privacy... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0006] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Veterans Affairs/Veterans Benefits Administration (VA/ VBA...
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2010-09-28
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0040] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Railroad Retirement Board (RRB))--Match Number 1006 AGENCY: Social Security...: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L.) 100-503), amended the...
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The causal effect of restrictive bank lending on employment growth: A matching approach
Kleemann, Michael; Wiegand, Manuel
2013-01-01
Does restrictive bank lending cause lower employment growth at the firm-level or does it reflect firm characteristics that drive the deterioration of employment figures? Applying propensity score matching, we estimate the treatment effect of restrictive bank lending on employment growth. Combining balance sheet information and survey data on a firm's current and expected future business situation, we rule out the impact of firm heterogeneity. We find that credit constraints have a significant...
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Gropp, R.; Grundl, C.; Guttler, A.
2012-01-01
Abstract: In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.
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Gropp, R.; Grundl, C.; Guttler, A.
2012-01-01
In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.Consistent
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2012-04-25
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0084] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1003 AGENCY: Social Security... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988...
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Institute of Scientific and Technical Information of China (English)
Qinwei Chi; Wenjing Li
2017-01-01
Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty(EPU) on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.
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76 FR 46767 - Privacy Act of 1974; System of Records
2011-08-03
...: The Department of the Army proposes to add a system of records to its inventory of record systems... provides a student management system that integrates Web-enabled courseware to support online certification... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0019] Privacy Act of 1974; System...
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75 FR 77849 - Privacy Act of 1974; System of Records
2010-12-14
... Agency, Defense Threat Reduction Agency, Missile Defense Organization, Pentagon Force Protection Agency... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0160] Privacy Act of 1974; System of Records AGENCY: Office of the Secretary of Defense, DoD. ACTION: Notice to add a system of...
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2011-04-18
... Homeland Security, Washington, DC 20520. For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0013] Privacy Act of... Immunization Records System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of...
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2013-02-21
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0067] Privacy Act of 1974; Computer Matching... Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching program... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...
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2012-08-17
...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer-matching... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0021] Privacy Act of 1974, as Amended...
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2013-11-21
...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L 100-503), amended the... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0059] Privacy Act of 1974, as Amended...
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2010-06-09
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0077] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Office of Personnel Management (OPM))--Match 1307 AGENCY: Social Security... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...
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76 FR 20569 - Horse Protection Act; Petition for Amendments to Regulations
2011-04-13
... of Cruelty to Animals, the American Horse Protection Association, Inc., Friends of Sound Horses, Inc... DEPARTMENT OF AGRICULTURE Animal and Plant Health Inspection Service 9 CFR Part 11 [Docket No. APHIS-2011-0006] Horse Protection Act; Petition for Amendments to Regulations AGENCY: Animal and Plant...
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Optimal Joint Liability Lending and with Costly Peer Monitoring
Carli, Francesco; Uras, R.B.
2014-01-01
This paper characterizes an optimal group loan contract with costly peer monitoring. Using a fairly standard moral hazard framework, we show that the optimal group lending contract could exhibit a joint-liability scheme. However, optimality of joint-liability requires the involvement of a group
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Group lending and the role of the group leader
Eijkel, van R.; Hermes, N.; Lensink, B.W.
2011-01-01
This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts
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Group lending and the role of the group leader
van Eijkel, R.; Hermes, C.L.M.; Lensink, B.W.
This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts
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10 CFR 2.643 - Acceptance and docketing of application for limited work authorization.
2010-01-01
... application is docketed, the Director will cause to be published in the Federal Register and send to the... complete. (e) If part two of the application is docketed, the Director will cause to be published in the... § 2.101(a)(9) is incomplete and not acceptable for processing, the Director of New Reactors or the...
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2012-04-25
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0083] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1015 AGENCY: Social Security... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching...
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2011-10-18
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0529] Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small Business... amounts on small business, as set forth in the FDA Food Safety Modernization Act (FSMA). In particular...
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2011-08-01
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0529] Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small Business... burden of fee amounts on small business, as set forth in the FDA Food Safety Modernization Act (FSMA...
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2011-08-10
... 7101 Washington, DC 20593. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0053] Privacy Act of... Treatment Program System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of...
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Money Lending Law and Regulation of Consumer Credit in Nigeria ...
African Journals Online (AJOL)
Money lending is an indispensible consumer credit device in Nigeria as it is elsewhere. ... (borrowers), but that they also unduly fetter the lenders, which development is bad for modern business efficacy. ... AJOL African Journals Online.
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Eichengreen, Barry; Mody, Ashoka
1999-01-01
Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...
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2012-06-06
...: Social Security Administration (SSA). ACTION: Notice of a new computer matching program that will expire... protections for such persons. The Privacy Act, as amended, regulates the use of computer matching by Federal... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0015] Privacy Act of 1974, as Amended...
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Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon
2015-01-01
In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying ho...
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2012-08-20
... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of public...
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2012-09-13
... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of information...
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2010-09-08
... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of public...
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Micro-lending for small farmers in Bangladesh
Rashid, Shahidur; Sharma, Manohar; Zeller, Manfred
2002-01-01
It has been long hypothesized that lack of access to credit is the main reason why, despite higher profitability of High Yielding Varieties (HYVs), farmers in developing countries continue to allocate a portion of their land to traditional crop varieties. The empirical testing of this hypothesis has generated a large body of literature with differing conclusions. This paper re-examines the issue in the context of a specially designed group-based lending program for small farmers in Bangladesh...
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Macroeconomics and FinTech: Uncovering Latent Macroeconomic Effects on Peer-to-Peer Lending
Foo, Jessica; Lim, Lek-Heng; Wong, Ken Sze-Wai
2017-01-01
Peer-to-peer (P2P) lending is a fast growing financial technology (FinTech) trend that is displacing traditional retail banking. Studies on P2P lending have focused on predicting individual interest rates or default probabilities. However, the relationship between aggregated P2P interest rates and the general economy will be of interest to investors and borrowers as the P2P credit market matures. We show that the variation in P2P interest rates across grade types are determined by three macro...
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78 FR 55251 - Hydropower Regulatory Efficiency Act of 2013; Notice of Workshop
2013-09-10
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... hydropower development at non-powered dams and closed-loop pumped storage projects in compliance with section 6 of the Hydropower Regulatory Efficiency Act of 2013. Participants should be prepared to discuss...
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77 FR 62469 - Defense Logistics Agency Freedom of Information Act Program
2012-10-15
... DEPARTMENT OF DEFENSE Office of the Secretary 32 CFR Part 300 Defense Logistics Agency 32 CFR Part 1285 RIN 0790-AI87 [Docket ID: DOD-2012-OS-0019] Defense Logistics Agency Freedom of Information Act Program AGENCY: Defense Logistics Agency, DoD. ACTION: Proposed rule. SUMMARY: The Defense Logistics...
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2012-08-15
... U.S. recession since the Great Depression.\\6\\ The Dodd-Frank Act created the Bureau and consolidated.... 1639h, and sections 1124 and 1125 of the Financial Institutions Reform, Recovery, and Enforcement Act of...
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2010-02-23
... Policy, U.S. Department of Homeland Security, Washington, DC 20528. For privacy issues please contact... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2009-0040] Privacy Act of... System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of records. SUMMARY...
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2010-02-26
... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503), amended... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0052] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ U.S. Department of Health and Human Services (HHS), Administration for...
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76 FR 77830 - Sunshine Act Meeting; Open Commission Meeting; Tuesday, December 13, 2011
2011-12-14
... Advertisement Loudness Mitigation (CALM) Act to prevent digital television commercial advertisements from being... Report and Analysis of Competitive Market Conditions with Respect to Domestic and International Satellite Communications Services (IB Docket No. 09- 16) and Report and Analysis of Competitive Market Conditions with...
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2010-04-01
... effects securities lending transactions, and any securities lending services in connection with such... replaced within one business day by another lending or borrowing transaction involving the same securities... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition...
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78 FR 70088 - Agency Proposed Business Process Vision Under the Rehabilitation Act of 1973
2013-11-22
... site, Social Security Online, at http://www.socialsecurity.gov . SUPPLEMENTARY INFORMATION: Background... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2013-0042] Agency Proposed Business Process Vision Under the Rehabilitation Act of 1973 AGENCY: Social Security Administration (SSA). ACTION: Notice of...
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2013-02-11
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06-C] Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management System: Republication of System.... SUMMARY: Pursuant to the provision of the Privacy Act of 1974, HUD is providing notice of its formal...
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Determinants of default in p2p lending: the Mexican case
Directory of Open Access Journals (Sweden)
Carlos Eduardo Canfield
2018-03-01
Full Text Available P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.
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Directory of Open Access Journals (Sweden)
Ho Thanh Tung
2017-10-01
Full Text Available This article aims to analyze the interbank lending adjustment during the period when Vietnamese commercial banks are compliant with some parts of the Basel regulation framework. A pilot regulation period has started in 2011 and full application will be effective by the end of 2018. Partial adjustment models and variance decomposition are used for the analyses. In the analysis of the quarterly released financial statements of Vietnamese commercial banks in the period from 2008/Q1 to 2015/Q4, the empirical evidence showed that throughout the period, lending to non-bank and high liquidity assets contributed to the adjustment in both long run and short run with a negative association. In addition, the loan loss allowance contributed to the adjustment in the post-regulation period only with a positive association. These highly contributing factors also show a potential shock after the adjustment of the interbank lending. The results imply there is a need for interbank lending portfolio report and an efficient control over the IRB of Vietnamese commercial banks.
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EIB lends EUR 300 million for CERN's major collider
2002-01-01
"The European Investment Bank (EIB) is lending EUR 300 million to finance the final phase of construction of the Large Hadron Collider (LHC) at CERN, the European Organization for Nuclear Research. The EIB loan will also help to finance the instrumentation to record and analyse the high-energy particle collisions at the LHC" (1 page).
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The group-lending model and social closure: microcredit, exclusion, and health in Bangladesh.
Schurmann, Anna T; Johnston, Heidi Bart
2009-08-01
According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage.
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The Group-lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh
Johnston, Heidi Bart
2009-01-01
According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage. PMID:19761085
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2013-01-31
...) issues this final rule to implement the Dodd-Frank Wall Street Reform and Consumer Protection Act's... consumer protections concerning a consumer's ability to repay, prepayment penalties, and escrow accounts.... 5491, 5511). The Consumer Financial Protection Act is substantially codified at 12 U.S.C. 5481-5603. As...
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78 FR 61999 - Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop
2013-10-10
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop As announced in the Notices issued on September 3, 2013 and September 18, 2013, the Federal Energy Regulatory Commission (FERC or Commission...
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Priority Queuing on the Docket: Universality of Judicial Dispute Resolution Timing
Directory of Open Access Journals (Sweden)
Satyam Mukherjee
2018-01-01
Full Text Available This paper analyzes court priority queuing behavior by examining the time lapse between when a case enters a court's docket and when it is ultimately disposed of. Using data from the Supreme courts of the United States, Massachusetts, and Canada we show that each court's docket features a slow decay with a decreasing tail. This demonstrates that, in each of the courts examined, the vast majority of cases are resolved relatively quickly, while there remains a small number of outlier cases that take an extremely long time to resolve. We discuss the implications for this on legal systems, the study of the law, and future research.
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Humphreys, Betsy P; Couse, Leslie J; Sonnenmeier, Rae M; Kurtz, Alan; Russell, Susan M; Antal, Peter
2015-02-01
The purpose of this article is to describe how the Maternal and Child Health (MCH) Leadership Competencies (v 3.0) were used to examine and improve an MCH Leadership Education in Neurodevelopmental and Related Disabilities (LEND) training curriculum for New Hampshire and Maine. Over 15 % of the nation's children experience neurodevelopmental disabilities or special health care needs and estimates suggest 1 in every 68 children is diagnosed with an autism spectrum disorder. Across the Unites States critical shortages of qualified MCH professionals exist, particularly in poor and rural areas. A continued investment in training interdisciplinary leaders is critical. The MCH Leadership Competencies provide an effective foundation for leadership training through identification of requisite knowledge, skills, and dispositions required of MCH leaders. This paper describes a three-step process, which began in 2010 and included utilizing the MCH Leadership Competencies as a tool to reflect on, develop, and evaluate the NH LEND leadership curriculum. Curriculum development was further supported through participation in a multi-state learning collaborative. Through a series of intentional decisions, the curriculum design of NH LEND utilized the competencies and evidence-based principles of instruction to engage trainees in the development of specific MCH content knowledge and leadership skills. The LEND network specifically, and MCH leadership programs more broadly, may benefit from the intentional use of the MCH competencies to assist in curriculum development and program evaluation, and as a means to support trainees in identifying specific leadership goals and evaluating their leadership skill development.
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78 FR 54445 - Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System
2013-09-04
... INFORMATION CONTACT: Mr. Christian B. Dellis, Export Services, Plant Health Programs, Plant Protection and... DEPARTMENT OF AGRICULTURE Office of the Secretary [Docket No. APHIS-2012-0104] Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System AGENCY: Animal and Plant Health...
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2012-01-26
.... 08-61; WT Docket No. 03-187; FCC 11-181] National Environmental Policy Act Compliance for Proposed... Commission. ACTION: Final rule. SUMMARY: In this document, the Federal Communications Commission (FCC or... interim measure pending completion of a programmatic environmental analysis and subsequent rulemaking...
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Management control of credit risk in the bank lending process
Scheffer, S.B.
2004-01-01
Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying
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2012-07-17
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06] Privacy Act of 1974; Notice of a New System of Records, Office of General Counsel E-Discovery Management System AGENCY: Office of the Chief Information Officer. ACTION: Notification of New Privacy Act System of Records, E-Discovery...
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77 FR 30433 - Privacy Act of 1974: Implementation of Exemptions; Automated Targeting System
2012-05-23
... Border Protection, Mint Annex, 799 Ninth Street NW., Washington, DC 20229. For privacy issues please... Secretary 6 CFR Part 5 [Docket No. DHS-2012-0020] Privacy Act of 1974: Implementation of Exemptions; Automated Targeting System AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...
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78 FR 58535 - Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop
2013-09-24
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... license for hydropower development at non-powered dams and closed-loop pumped storage projects in compliance with section 6 of the Hydropower Regulatory Efficiency Act of 2013. The workshop will be held in...
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The Internet, Bank Structure and Small Business Lending
Steven G. Craig; Polly T. Hardee
2002-01-01
The advent of the Internet has opened many opportunities for bankers to access new customers, increase convenience and expand product ranges in many markets, including that of small businesses. Yet anecdotal evidence reveals that smaller banks are reluctant to employ Internet technology in the small business market for fear of damaging the customer relationship developed through personal contact. These smaller, more simply structured banks tend to specialize in small business lending, possess...
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How Collateral Laws Shape Lending and Sectoral Activity
Calomiris, Charles W.; Larrain, Mauricio; Liberti, José; Sturgess, Jason
2015-01-01
This paper investigates the effect of cross-country differences in collateral laws regarding movable assets on lending and sectoral allocation of resources. Using micro-level loan data for a sample of emerging market countries we show that loan-to-values of loans collateralized with movable assets are on average 21 percentage points higher in countries with strong-collateral laws relative to immovable assets. Further, stronger collateral laws tilt collateral composition away from immovable to...
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2010-01-14
... NUCLEAR REGULATORY COMMISSION [Docket No. 72-8; NRC-2010-0011] Constellation Energy; Notice of Docketing of Special Nuclear Material License SNM-2505 Amendment Application for the Calvert Cliffs... Constellation Energy (Constellation) to amend its Special Nuclear Material License No. SNM-2505, under the...
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P2P Network Lending, Loss Given Default and Credit Risks
Directory of Open Access Journals (Sweden)
Guangyou Zhou
2018-03-01
Full Text Available Peer-to-peer (P2P network lending is a new mode of internet finance that still holds credit risk as its main risk. According to the internal rating method of the New Basel Accord, in addition to the probability of default, loss given default is also one of the important indicators of evaluation credit risks. Proceeding from the perspective of loss given default (LGD, this paper conducts an empirical study on the probability distribution of LGDs of P2P as well as its influencing factors with the transaction data of Lending Club. The results show that: (1 the LGDs of P2P loans presents an obvious unimodal distribution, the peak value is relatively high and tends to concentrate with the decrease of the borrower’s credit rating, indicating that the distribution of LGDs of P2P lending is similar to that of unsecured bonds; (2 The total asset of the borrower has no significant impact on LGD, the credit rating and the debt-to-income ratio exert a significant negative impact, while the term and amount of the loan produce a relatively strong positive impact. Therefore, when evaluating the borrower’s repayment ability, it is required to pay more attention to its assets structure rather than the size of its total assets. When carrying out risk control for the P2P platform, it is necessary to give priority to the control of default rate.
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75 FR 61035 - Community Reinvestment Act Regulations
2010-10-04
... Education Lending by Financial Institutions Several commenters noted that education lending, particularly private education lending, is a specialized type of lending engaged in by only a few financial... education loans as including loans originated by financial institutions through a program of the U.S...
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Correlates of Success in World Bank Development Policy Lending
Moll, Peter; Geli, Patricia; Saavedra, Pablo
2015-01-01
This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...
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78 FR 37775 - Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System
2013-06-24
... DEPARTMENT OF AGRICULTURE Office of the Secretary [Docket No. APHIS-2012-0104] Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System AGENCY: Animal and Plant Health... Health Inspection Service proposes to add a system of records to its inventory of records systems subject...
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Kyiv institutional buildings sector energy efficiency program: Lending and implementation assessment
Energy Technology Data Exchange (ETDEWEB)
Secrest, T.J.; Freeman, S.L. [Pacific Northwest National Lab., Richland, WA (United States); Popelka, A. [Tysak Engineering, Acton, MA (United States); Shestopal, P.A.; Gagurin, E.V. [Agency for Rational Energy Use and Ecology, Kyiv (Ukraine)
1997-08-01
The government of Ukraine, through the State Committee of Energy Conservation (State Committee), is considering the implementation of energy efficiency measures in state and municipal institutional buildings in the city of Kyiv. The State Committee entered into a Memorandum of Cooperation with the US Department of Energy (DOE) to conduct an assessment of the institutional buildings sector efficiency potential. This assessment will be used to support a potential loan by the World Bank for implementing a buildings efficiency improvement program in Kyiv. This report provides an assessment of the options for structuring the lending scenarios and the implementation of the program. Components to the lending structure are options for the disbursement of funds, options for the loan service, and other financial options and considerations. Program implementation includes management structures, reporting, installation activities, and post-installation activities such as training and verification.
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The Impact of Organizational Structure and Lending Technology on Banking Competition
Degryse, H.A.; Laeven, L.; Ongena, S.
2006-01-01
Recent theoretical models argue that a bank's organizational structure reflects its lending technology.A hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information.We investigate theoretically and empirically how bank
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12 CFR 31.2 - Insider lending restrictions and reporting requirements.
2010-01-01
... contained in 12 CFR part 215. (b) Enforcement. The Comptroller of the Currency administers and enforces... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Insider lending restrictions and reporting requirements. 31.2 Section 31.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY...
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Collateral and its Substitutes in Emerging Markets' Lending
Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn
2011-01-01
Due to opaque information and weak enforcement in emerging loan markets, the need for collateral is high, whereas borrowers lack adequate assets to pledge as collateral. How is this puzzle solved? We find for a representative sample from Northeast Thailand that indeed most loans do not include any tangible assets as collateral. Instead, lenders enforce collateral-free loans through third-party guarantees and relationship lending, but also through modifying loan terms, such as reducing loan si...
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2010-04-13
... 12th Street, Arlington, VA, 20598-6036. For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0015] Privacy Act of... Matters Tracking Records AGENCY: Privacy Office, DHS. [[Page 18864
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Bank Lending, Housing and Spreads
DEFF Research Database (Denmark)
Aslam, Aqib; Santoro, Emiliano
The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...
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76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)
2011-12-19
... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1007 and 1008 [Docket No. CFPB-2011-0023] RIN 3170-AA06 S.A.F.E. Mortgage Licensing Act (Regulations G & H) AGENCY: Bureau of Consumer Financial... number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer...
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75 FR 68395 - Agency Self-Evaluation Under Section 504 of the Rehabilitation Act of 1973
2010-11-05
...-800-325- 0778, or visit our Internet site, Social Security Online, at http://www.socialsecurity.gov... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2010-0069] Agency Self-Evaluation Under Section 504 of the Rehabilitation Act of 1973 AGENCY: Social Security Administration. ACTION: Notice and request...
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2013-09-25
..., [email protected] . For privacy issues please contact: Claire W. Barrett, Departmental Chief... DEPARTMENT OF TRANSPORTATION Office of the Secretary [Docket No. FMCSA-2013-0306] Privacy Act of... Administration (FMCSA), DOT. ACTION: Notice to amend a system of records. SUMMARY: In accordance with the Privacy...
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2011-12-21
... placed on the Internet and will be publicly available only in hard copy form. Publicly available docket... available in hard copy, at the OPP Regulatory Public Docket in Rm. S-4400, One Potomac Yard (South Bldg.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...
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2013-07-22
... titled, ``Department of Homeland Security/Federal Emergency Management Agency--006 Citizen Corps Database... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0049] Privacy Act of 1974; Department of Homeland Security, Federal Emergency Management Agency--006 Citizen Corps Program...
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2010-01-01
... RULEMAKING PROCEDURES Rulemaking Procedures General § 11.35 Does FAA include sensitive security information and proprietary information in the Federal Docket Management System (FDMS)? (a) Sensitive security information. You should not submit sensitive security information to the rulemaking docket, unless you are...
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Cross-selling lending and underwriting : scope economies and incentives
Laux, Christian; Walz, Uwe
2009-01-01
We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters' incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particularly attractive for highly leveraged borrowers; third, that less-than-market rates are no prerequisite...
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2010-11-15
... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235- 0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0085] Privacy Act of 1974: Implementation of Exemptions... Coordinating Center Records System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed...
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20 CFR 501.8 - Clerk of the Office of the Appellate Boards; docket of proceedings; records.
2010-04-01
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Clerk of the Office of the Appellate Boards; docket of proceedings; records. 501.8 Section 501.8 Employees' Benefits EMPLOYEES' COMPENSATION APPEALS BOARD, DEPARTMENT OF LABOR RULES OF PROCEDURE § 501.8 Clerk of the Office of the Appellate Boards; docket of proceedings; records. (a) Location...
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7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.
2010-01-01
... security and recovery of loan losses must provide for the pro rata recovery and distribution between the... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural...
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Group lending and the role of the group leader
Eijkel, van, R.; Hermes, N.; Lensink, B.W.
2011-01-01
This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts in the highest monitoring effort. Moreover, monitoring efforts differ between group members due to free-riding: one member reduces her level of monitoring if the other increases her monitoring effor...
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2010-02-23
... Security Administration, 601 South 12th Street, Arlington, VA 20598-6036. For privacy issues please contact... Secretary 6 CFR Part 5 [Docket No. DHS-2009-0137] Privacy Act of 1974: Implementation of Exemptions... Program System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...
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2013-02-21
... 1310 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0007] Privacy Act of 1974, as Amended...
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2010-08-18
... 1310 AGENCY: Social Security Administration (SSA) ACTION: Notice of a renewal of an existing computer..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0035] Privacy Act of 1974, as Amended...
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International Nuclear Information System (INIS)
1993-08-01
A Final Environmental Impact Statement (FEIS) related to the licensing of Envirocare of Utah, Inc.'s proposed disposal facility in Tooele county, Utah (Docket No. 40-8989) for byproduct material as defined in Section 11e.(2) of the Atomic Energy Act, as amended, has been prepared by the Office of Nuclear Material Safety and Safeguards. This statement describes and evaluates the purpose of and need for the proposed action, the alternatives considered, and the environmental consequences of the proposed action. The NRC has concluded that the proposed action evaluated under the National Environmental Policy Act of 1969 (NEPA) and 10 CFR Part 51, is to permit the applicant to proceed with the project as described in this Statement
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2010-11-05
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0052] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1003 AGENCY: Social Security... as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...
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2010-05-19
..., VA 20598-6036 or [email protected] . For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0013] Privacy Act of..., Transportation Security Enforcement Record System, System of Records AGENCY: Privacy Office, DHS. ACTION: Notice...
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2011-03-08
... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0055] Privacy Act of... Operations Center Tracker and Senior Watch Officer Logs System of Records AGENCY: Privacy Office, DHS. ACTION...
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2011-03-08
... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0051] Privacy Act of 1974: Implementation of Exemptions... Center Tracker and Senior Watch Officer Logs System of Records AGENCY: Privacy Office, DHS. ACTION...
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Reserve requirements and the bank lending channel in China
Fungácová , Zuzana; Nuutilainen , Riikka; Weill , Laurent
2015-01-01
This paper examines how reserve requirements influence the transmission of monetary policy through the bank lending channel in China while also taking into account the role of bank ownership. The implementation of Chinese monetary policy is characterized by the reliance on the reserve requirements as a regular policy tool with frequent adjustments. Using a large dataset of 170 Chinese banks for the period 2004–2013, we analyze the reaction of loan supply to changes in reserve requirements. We...
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2011-11-07
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-D-0771] Draft Blueprint for Prescriber Education for Long-Acting/ Extended-Release Opioid Class-Wide Risk... announcing the availability of a draft document entitled ``Blueprint for Prescriber Education for the Long...
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2013-01-22
... Secretary 6 CFR Part 5 [Docket No. DHS-2012-0035] Privacy Act of 1974: Implementation of Exemptions... trademark or copyright. This information allows retailers, consumers, and other businesses to contact the..., law enforcement, or intelligence agencies (federal, state, local, foreign, international or tribal) in...
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2011-10-28
... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0083] Privacy Act of 1974; Department of Homeland Security/United States Secret Service--004 Protection Information System... Security (DHS)/United States Secret Service (USSS)-004 System name: DHS/USSS-004 Protection Information...
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2010-12-08
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0602] Biologics Price Competition and Innovation Act of 2009; Meetings on User Fee Program for Biosimilar and Interchangeable Biological Product Applications; Request for Notification of Stakeholder Intention To Participate...
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Computer Simulation Lends New Insights Into Cyanide-Caused Cardiac Toxicity
2004-12-01
current, ICl,sw is needed to terminate VF. There are several drugs that block ICl,sw. 5. DISCUSSION Exposure to CN has immediate consequences ...the search on the requirements on the means of pharmacological intervention to counter the effect of cyanide-caused cardiac toxicity . Of special...COMPUTER SIMULATION LENDS NEW INSIGHTS INTO CYANIDE-CAUSED CARDIAC TOXICITY C.K. Zoltani* U.S. Army Research Laboratory Computational and
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2011-08-24
... NUCLEAR REGULATORY COMMISSION [NRC-2011-0166; Docket Numbers 50-352 and 50-353] Notice of Acceptance for Docketing of the Application and Notice of Opportunity for Hearing Regarding Renewal of Facility Operating License Nos. NPF-39 and NPF-85 for an Additional 20-Year Period, Exelon Generation Company, LLC, Limerick Generating Station The U.S....
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2011-12-16
... of the Sarbanes-Oxley Act of 2002, as Amended; Correction AGENCY: Occupational Safety and Health Administration, Labor. ACTION: Interim final rule; correction. SUMMARY: The Occupational Safety and Health... DEPARTMENT OF LABOR Occupational Safety and Health Administration 29 CFR Part 1980 [Docket Number...
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Keisling, Bruce L; Bishop, Elizabeth A; Roth, Jenness M
2017-05-01
Background While the MCH Leadership Competencies and family as a discipline have been required elements of Leadership Education in Neurodevelopmental and related Disabilities (LEND) programs for over a decade, little research has been published on the efficacy of either programmatic component in the development of the next generation of leaders who can advocate and care for Maternal and Child Health (MCH) populations. Objective To test the effectiveness of integrating the family discipline through implementation of parent led curricula on trainees' content knowledge, skills, and leadership development in family-centered care, according to the MCH Leadership Competencies. Methods One hundred and two long-term (≥ 300 h) LEND trainees completed a clinical and leadership training program which featured intensive parent led curricula supported by a full-time family faculty member. Trainees rated themselves on the five Basic and Advanced skill items that comprise MCH Leadership Competency 8: Family-centered Care at the beginning and conclusion of their LEND traineeship. Results When compared to their initial scores, trainees rated themselves significantly higher across all family-centered leadership competency items at the completion of their LEND traineeship. Conclusions The intentional engagement of a full-time family faculty member and parent led curricula that include didactic and experiential components are associated with greater identification and adoption by trainees of family-centered attitudes, skills, and practices. However, the use of the MCH Leadership Competencies as a quantifiable measure of program evaluation, particularly leadership development, is limited.
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2013-08-20
... GENERAL SERVICES ADMINISTRATION [Notice-WWICC-2013-01; Docket No. 2013-0007; Sequence 1] World War I Centennial Commission; Notification of Upcoming Public Advisory Meeting; Sunshine Act Meetings Time and Date: Open: 9:30 a.m.-5:30 p.m. (Central Time) on Friday, September 13, 2013. Place: The...
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78 FR 23811 - Privacy Act of 1974; Proposed New Routine Uses and System of Records Alterations
2013-04-22
... Commissioner of Social Security, and, (c) Investigating issues of fraud or violations of civil rights by... property interests, risk of identity theft or fraud, or harm to the security or integrity of this system or... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2013-0015] Privacy Act of 1974; Proposed New...
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Monetary Expansion and the Banking Lending Channel.
Tabak, Benjamin Miranda; Moreira, Tito Belchior Silva; Fazio, Dimas Mateus; Cavalcanti, André Luiz Cordeiro; Cunha, George Henrrique de Moura
2016-01-01
This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverted U-shaped. In this context, our results show empirical evidence expansionary monetary policies do not increase the propensity of economic agents to systematically take greater risks on the market. After a certain level of money stock, increases in the money supply do not lead to increased negotiated credit.
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2012-02-08
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0102] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ the States); Match 6000 and 6003 AGENCY: Social Security Administration..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...
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2011-11-02
...., Washington, DC 20229. For privacy issues please contact: Mary Ellen Callahan (703) 235-0780), Chief Privacy... Secretary 6 CFR Part 5 [Docket No. DHS-2011-0103] Privacy Act of 1974: Implementation of Exemptions... of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...
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2013-01-18
... Ninth Street NW., Washington, DC 20229. For privacy issues please contact: Jonathan R. Cantor (202-343... Secretary 6 CFR Part 5 [Docket No. DHS 2012-0076] Privacy Act of 1974: Implementation of Exemptions...), System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...
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2010-07-08
... questions and privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0034] Privacy Act of 1974: Implementation of Exemptions...: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The Department of Homeland Security...
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Nothing special about banks : Competition and bank lending in Britain 1885-1925
Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon
2017-01-01
We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British
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2010-04-29
... Obesity Among U.S. Adults,'' 1999 to 2008, Journal of the American Medical Association, 2010;303(3):235... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0210... Information AGENCY: Food and Drug Administration, HHS. ACTION: Notice; establishment of docket; request for...
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2013-10-16
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... recommendations on the feasibility of a two-year process for the issuance of a license for hydropower development... Hydropower Regulatory Efficiency Act of 2013. The workshop will be held in the Commission Meeting Room at 888...
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2011-03-07
... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0034] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Bureau of the Public Debt (BPD))--Match Number 1304 AGENCY: Social Security... as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...
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2010-02-23
... risk of harm to economic or property interests, identity theft or fraud, or harm to the security or... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2009-0041] Privacy Act of 1974; Department of Homeland Security/ALL--023 Personnel Security Management System of Records AGENCY...
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2010-06-29
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-55] Green Retrofit Program of... Affordable Housing Preservation must collect certain data to administer the Green Retrofit Program (GRP... Title of Proposal: Green Retrofit Program of Title XII of the American Recovery and Reinvestment Act of...
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2010-10-28
... behavioral supports or taking steps to eliminate bullying and student harassment; or (D) Expanding the school... DEPARTMENT OF EDUCATION [Docket ID ED-2009-OESE-0010] RIN 1810-AB06 School Improvement Grants... Act of 1965, as Amended (ESEA) ACTION: Final requirements for School Improvement Grants authorized...
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Bruns, Volker
2004-01-01
This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. Hypotheses are developed as to what influences lending officers' credit assessments. In addition, it is hypothesized that risk-taking proclivity interacts with other ...
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2011-11-23
... http://www.regulations.gov . FOR FURTHER INFORMATION CONTACT: For general questions and privacy issues... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0094] Privacy Act of 1974; Department of Homeland Security/ALL--017 General Legal Records System of Records AGENCY: Privacy...
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International Nuclear Information System (INIS)
1979-01-01
This title list of publicly available documents pertaining to Three Mile Island Unit 1, Docket 50-289, includes all documents pertaining to this Docket that had been filed in the NRC Public Document Room as of November 16, 1979. The categories used for filing and searching in the NRC Public Document Room are used to catalog the entries
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Correlates of lending needles/syringes among HIV-seropositive injection drug users.
Metsch, Lisa R; Pereyra, Margaret; Purcell, David W; Latkin, Carl A; Malow, Robert; Gómez, Cynthia A; Latka, Mary H
2007-11-01
Among HIV-positive injection drug users (IDUs), we examined the correlates of lending needles/syringes with HIV-negative and unknown status injection partners. HIV-positive IDUs (N=738) from 4 cities in the United States who reported injection drug use with other IDUs in the past 3 months participated in an audio computer-assisted self-administered interview. Eighteen percent of study participants self-reported having lent their needles to HIV-negative or unknown status injection partners. Multivariate analyses showed that 6 variables were significantly associated with this high-risk injecting practice. Older IDUs, high school graduates, and those reporting more supportive peer norms for safer drug use were less likely to lend needles/syringes. Admission to a hospital for drug treatment in the past 6 months, having injected with >1 person in the past 3 months, and having more psychiatric symptoms were all associated with more risk. These findings underscore the need for a continued prevention focus on HIV-positive IDUs that recognizes the combination of drug use, mental health factors, and social factors that might affect this high-risk injecting practice, which could be associated with HIV and hepatitis C transmission.
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Lending Groups and Different Social Capitals in Developed and Developing Countries
Directory of Open Access Journals (Sweden)
Diego A. B. Marconatto
2016-11-01
Full Text Available Lending groups (LGs and social capital are two central elements to the many microfinance solutions operating around the world. However, LG effectiveness in reducing transaction costs and lending risks for microfinance institutions (MFIs is mediated by institutional environments. Starting from this assumption, we discuss the existent interactions between the institutional environments of developed (Anglo-Saxon and communitarian and developing countries with different stocks of social capital (individual, network and institutional and the influences of this interaction on LG effectiveness. In order to do so, we applied the institutional perspective of O. Williamson to build a theoretical framework to examine the interaction of all these conditions, allowing for analysis of their main relations within the microfinance context. Based on this framework, we propose on the one hand that in developing and Anglo-Saxon developed nations, stocks of both individual and network social capital are the most important for an LG’s effectiveness. However, in Anglo-Saxon countries, these two stocks of social capital are complemented by formal contracting devices. In communitarian developed countries, on the other hand, the stocks of institutional social capital have a stronger positive impact on LG dynamics.
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Directory of Open Access Journals (Sweden)
Akhsyim Afandi
2017-03-01
Full Text Available There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.
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2010-06-01
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Extension of Time May 24, 2010. In comments following the March 25, 2010 Technical Conference in the above-referenced proceeding, the Natural Gas Supply...
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2012-08-15
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06-A] Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management System--Change in Final Effective... the OGC E-Discovery Management System until after the opportunity for further comment is provided to...
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2011-07-06
... the Terrorist Screening Database System of Records relates to official DHS national security and law... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary 6 CFR Part 5 [Docket No. DHS-2011-0060] Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security/ALL--030 Use of the...
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Link About It: Information Asymmetry, Knowledge Pooling and Syndication in Project Finance Lending
Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie
2018-01-01
In a collaborative setting, banks have an additional way to deal with asymmetric information between themselves and their borrowers: by pooling information. We explore the extent to which lead arrangers in the project finance syndicated lending market strategically choose their new partners in order
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The Development of Strategic Bank Lending Industries in the Context of Globalization
Directory of Open Access Journals (Sweden)
Oksana Markovna Kramarenko
2015-09-01
Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.
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Humane Orientation and Corruption in Bank Lending
Directory of Open Access Journals (Sweden)
Siwapong Dheera-aumpon
2017-12-01
Full Text Available Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural dimensions than Hofstede’s. Using the data covering more than 3000 firms in 32 countries, this paper finds that humane orientation increases the corruption of bank officials. The effect of humane orientation on the corruption of bank officials is not only statistically significant but also economically relevant. The magnitude of its effect is relatively comparable to that of collectivism.
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13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...
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Can governments maintain hard budget contraints? : bank lending and financial isolaton in Romania
Carare, O.V.; Claessens, C.A.M.F.; Perotti, E.C.
2000-01-01
This paper examines the empirical evidence on the impact of reforms in the financial sector in Romania in the period 1993-1995. The methodological framework of the paper is based on a theoretical model of intertemporal bank lending in a transition country with uncertain prospects for stabilization
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2010-03-10
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Supplemental Notice to Form No. 552 Technical Conference March 1, 2010. As announced in the Notice of Technical Conference issued on February 22, 2010, a...
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Lending Competition and Relationship Banking: Evidence from Japanese Prefectural Level Data
Ogura, Yoshiaki; Yamori, Nobuyoshi
2009-01-01
The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides evidence for the negative correlation between lending competition and the provision of relationship banking . This paper raises the question whether fierce interbank competition is always beneficial for...
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2010-12-16
... that boat too much quota to catch. Response: FFP lending decisions and fishery management decisions are... FFP direct lending is subject to the above general credit standards and requirements found in Sec. Sec...) Credit decision. (1) The Program shall issue to approved applicants an AIP letter, which shall describe...
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Banking Competition and Soft Budget Constraints: How Market Power can Threaten Discipline in Lending
Arping, S.
2012-01-01
n imperfectly competitive credit markets, banks can face a tradeoff between exploiting their market power and enforcing hard budget constraints. As market power rises, banks eventually find it too costly to discipline underperforming borrowers by stopping their projects. Lending relationships become
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2010-09-08
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Availability of Revised Form No. 552 for eFiling August 31, 2010. On August 17, 2010, the Office of Management and Budget approved a revised Form No. 552...
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Directory of Open Access Journals (Sweden)
Xiaohong Chen
2013-01-01
Full Text Available This paper describes an approach to measure the entrepreneurship orientation of online P2P lending platforms. The limitations of existing methods for calculating entropy of interval-valued intuitionistic fuzzy sets (IVIFSs are significantly improved by a new entropy measure of IVIFS considered in this paper, and then the essential properties of the proposed entropy are introduced. Moreover, an evaluation procedure is proposed to measure entrepreneurship orientation of online P2P lending platforms. Finally, a case is used to demonstrate the effectiveness of this method.
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2010-03-01
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency... will be open to the public; there is no registration to attend.\\2\\ \\1\\ Transparency Provisions of...); Transparency Provisions of Section 23 of the Natural Gas Act, Order No. 704-A, FERC Stats. & Regs. ] 31,275...
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2012-11-26
... and Drug Administration (FDA) is announcing the Web site location where the Agency will post two lists... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1021] Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal Year 2013...
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2013-11-06
... and Drug Administration (FDA or the Agency) is announcing the Web site location where the Agency will... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1021] Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal Year 2014...
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Monetary policy, bank size and bank lending: Evidence from Australia
Liu, Luke
2011-01-01
The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...
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75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management
2010-08-18
...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...
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Do capital buffers mitigate volatility of bank lending? A simulation study
Heid, Frank; Krüger, Ulrich
2011-01-01
Critics claim that capital requirements can exacerbate credit cycles by restricting lending in an economic downturn. The introduction of Basel 2, in particular, has led to concerns that risksensitive capital charges are highly correlated with the business cycle. The Basel Committee is contemplating a revision of the Basel Accord by introducing counter-cyclical capital buffers. Others claim that capital buffers are already large enough to absorb fluctuations in credit risk. We address the ques...
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Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM
Directory of Open Access Journals (Sweden)
Erjona REBI
2014-06-01
Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.
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2011-04-20
...-specific issues. Results are also shared with other Federal agencies that lend expertise in specific areas... DEPARTMENT OF HOMELAND SECURITY Federal Emergency Management Agency [Docket ID: FEMA-2010-0070.... Comments should be addressed to the Desk Officer for the Department of Homeland Security, Federal Emergency...
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Barasinska, Nataliya; Schäfer, Dorothea
2010-01-01
Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that ...
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Group lending and the role of the group leader : Theory and evidence from Eritrea
Eijkel, Remco van; Hermes, Niels; Lensink, Robert
2007-01-01
Abstract: This paper investigates the strategic monitoring behaviour within a group lending setting. We develop a theoretical model, showing that monitoring efforts of group members differ from each other in equilibrium, as a result of the asymmetry between these members in terms of the future
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2010-03-22
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of the Agenda for Form No. 552 Technical Conference March 15, 2010. In a ``Notice of Technical Conference'' issued on February 22, 2010 in the above...
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CHALLENGES AROUND DIGITAL BOOK LENDING LIBRARY
Directory of Open Access Journals (Sweden)
Julio Alonso-Arévalo
2015-03-01
Full Text Available The development and expansion of the global market for electronic books and associated models to lending library are still in a developmental state and uncertainty. After a first stage in which major publishers refused to sell licenses loan at present publishers are putting more e-book titles available to libraries, although with some restrictions. The dominant trend is moving inexorably towards greater availability and access to digital titles to libraries. Once this stage about the limited availability of titles are pending other matters as the issue of licensing costs, with different rates offered to the public, which are increased in some cases up to three or more sometimes the retail price, which further complicates the procurement processes for libraries in a time when budgets are limited, hampering the ability of libraries to acquire adequate collection of digital products. Among other issues, technological and commercial that limit many uses they had libraries in the analog context, ownership and possession of the collection, the same stability, portability across platforms, and the difficulties associated with DRM systems digital rights management.
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Directory of Open Access Journals (Sweden)
G van der Westhuizen
2014-08-01
Full Text Available The relative efficiency of fifty-two branches of a small South African bank was estimated using Data Envelopment Analysis (DEA. A factor responsible for the difference in efficiency between branches might be the difference in managing the asset (loans and the liability (deposit side of the balance sheet. For this reason, the relative efficiency of the lending and borrowing activities was also estimated and compared to the relative efficiency of the combined (lending and borrowing activities.In the case of the efficiency estimates for loans and deposits, the indications are that the branches were more efficient in managing the liability side (deposits than in managing the asset side (loans. This means that purchased funds were not utilised efficiently.
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In lands of foreign currency credit, bank lending channels run through?
Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila
2014-01-01
We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...
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12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending
2010-01-01
... board of directors. Real estate lending is an integral part of many institutions' business plans and... both internal and external factors in the formulation of its loan policies and strategic plan. Factors... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...
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Sukirman, Y. A.
2018-03-01
In the last two decades, development initiatives solely aimed to generate economic growth has been placed under scrutiny, particularly amidst the rampant discussion on the quality decline of the environment, growing social divide and climate change along with its implications thereof. Considerations of the negative impacts brought about by the economic development process prompted the move to adopt the sustainable financing model that gives precedence to economic, environmental and social aspects. We introduced Green Lending Model for Renewable Energy Project (Case Study Electricity From Biogas at Palm Oil Industry) based on sustainability financing, which is used as variable to implementing financial institutions’ lending policies. There are two major trends in the literature relating to sustainability and the banking industry: external and internal practices. The external practices strand analyzes the relevance of sustainability to the bank’s communication with shareholders and other stakeholders, and how investors use it as a measure to help achieve optimal portfolio allocation. The internal practices literature, more relevant to the present work, studies how sustainability criteria are integrated into risk management models and lending practices. Its first implementation is in the Palm Oil industry at South Sumatera. The results explained that sustainability is not related to profit either from a short- or long-term perspective. The Sustainable Green Lending Model is related to the Equator Principles and its application is driven to project financing. It also related with short- and long-term risks and opportunities, instead of short-term sustainability impacts.
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76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management
2011-05-24
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...
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Peer monitoring, social ties and moral hazard in group lending programmes : evidence from Eritrea
Hermes, C.L.M.; Lensink, B.W.; Mehrteab, H.T.
2003-01-01
In this paper, we provide an empirical analysis of the impact of monitoring and social ties within group lending programs on moral hazard behavior of its participants, based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We find support for the fact that
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Peer monitoring, social ties and moral hazard in group lending programs : Evidence from Eritrea
Hermes, N; Lensink, R; Mehrteab, HT
In this paper, we investigate the impact of monitoring and social ties on moral hazard behavior within group lending programs. Our study is based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We separately analyze the impact of group leaders and other
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John Ashton; Robert S. Hudson
2011-01-01
This study examines whether the recent UK regulatory decision to introduce a blanket ban on the joint provision of consumer lending and credit insurance was justified. This case has wide regulatory implications following international concerns that the sale of credit insurance has been detrimental to customers due to overpriced credit insurance and a possible cross subsidy from credit insurance to unsecured lending. To explore this issue a theoretical model is developed considering why a cros...
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2013-12-23
... submit comments: (1) Online. Submit comments at http://www.regulations.gov under Docket ID FEMA-2013-0054... show that a property is not flood prone, making it possible for the lending institution to waive the... result in significantly lower rates. Affected Public: Individuals and households; and business or other...
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2011-11-15
... submissions to the docket, please use only one of the following means to submit comments: (1) Online. Submit... Agreement, to the lending companies who are requesting insurance coverage and the lender must acknowledge.... Affected Public: Business or other non-profits. Estimated Total Annual Burden Hours: 171 hours. Estimated...
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The Evolution and the Effects of Bank Lending and Arrears in Romania
Directory of Open Access Journals (Sweden)
Florina Oana VIRLANUTA
2014-08-01
Full Text Available During the early stages of the economic crisis that hit Romania, significant imbalances occurred in all industries. Its effects had a more dramatic impact in the banking system; especially concerning bank lending which was not only adversely affected by the crisis but it was the crisis itself. In this regard, we conducted an analysis of the credit system in Romania, the implications of non-performing loans on bank performance.
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From lending to learning the development and extension of public libraries
O'Beirne, Rónán
2010-01-01
From Lending to Learning provides a theoretical overview and practical guide to the functional area of delivering learning services within public libraries. It traces the development of public library service delivery and critically appraises the inherent tension between offering an educational-focused or leisure-focused library. The current and future policy directions are explored against the backdrop of the emerging learning society. A general overview of recent developments in learning theory is followed by an insight into the learning landscape. The issues and practicalities of setting up
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Leff, Stephen S; Baum, Katherine T; Bevans, Katherine B; Blum, Nathan J
2015-02-01
To describe the development and psychometric evaluation of the Core Competency Measure (CCM), an instrument designed to assess professional competencies as defined by the Maternal Child Health Bureau (MCHB) and targeted by Leadership Education in Neurodevelopmental and Related Disabilities (LEND) programs. The CCM is a 44-item self-report measure comprised of six subscales to assess clinical, interdisciplinary, family-centered/cultural, community, research, and advocacy/policy competencies. The CCM was developed in an iterative fashion through participatory action research, and then nine cohorts of LEND trainees (N = 144) from 14 different disciplines completed the CCM during the first week of the training program. A 6-factor confirmatory factor analysis model was fit to data from the 44 original items. After three items were removed, the model adequately fit the data (comparative fit indices = .93, root mean error of approximation = .06) with all factor loadings exceeding .55. The measure was determined to be quite reliable as adequate internal consistency and test-retest reliability were found for each subscale. The instrument's construct validity was supported by expected differences in self-rated competencies among fellows representing various disciplines, and the convergent validity was supported by the pattern of inter-correlations between subscale scores. The CCM appears to be a reliable and valid measure of MCHB core competencies for our sample of LEND trainees. It provides an assessment of key training areas addressed by the LEND program. Although the measure was developed within only one LEND Program, with additional research it has the potential to serve as a standardized tool to evaluate the strengths and limitations of MCHB training, both within and between programs.
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Peer-to-Peer Lending in Surabaya: How It Drives Regional Economy?
Mahardhika, Galih Satria
2017-01-01
Financial technology, or so called as “Fintech”, has been remarked as a disruptive idea that changed our current financial system. In Indonesia, one of the emerging financial practices related to Fintech is the online-based peer-to-peer lending (P2PL). This research has two objectives: to explore current scheme of P2PL in Surabaya and to learn how P2PL drives the economy of Surabaya. To meet the objectives, numbers of existing papers are being reviewed related to the matter of P2PL and Micro,...
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M. Cotugno; S. Monferrà; G. Sampagnaro
2013-01-01
This paper examines the firms’ credit availability during the 2007–2009 financial crisis using a dataset of 5331 bank–firm relationships provided by borrowers’ credit folders of three Italian banks. It aims to test whether a strong lender–borrower relationship can produce less credit rationing for borrowing firms even during a credit crunch period. The results show that exclusivity of the relationship can mitigate the firm credit rationing. We also verify the influence of lending organization...
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Kakes, J
The paper investigates the role of bank lending in the monetary transmission process in the Netherlands. The Johansen approach is used to identify supply and demand relationships in the credit market, and it is concluded from the short-run dynamics that this market is demand-determined. In this way,
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76 FR 44225 - Alternative Mortgage Transaction Parity (Regulation D)
2011-07-22
... Truth in Lending Act. The interim final rule is necessary to avoid a regulatory gap created by the... final rule therefore relies on the Truth in Lending Act (TILA) \\5\\ to establish the minimum federal... Act amendments or post-Dodd-Frank Act amendments--are applicable. Rather than a single event, a...
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Peersman, G.; Wagner, W.B.
2014-01-01
Abstract: Shocks to bank lending, risk-taking and securitization activities that are orthogonal to real economy and monetary policy innovations account for more than 30 percent of U.S. output variation. The dynamic effects, however, depend on the type of shock. Expansionary securitization shocks
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13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?
2010-01-01
... entity that is not an Intermediary may apply to SBA for a grant to provide marketing, management and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How are grants made to non-lending technical assistance providers (NTAP)? 120.714 Section 120.714 Business Credit and Assistance SMALL BUSINESS...
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2012-07-03
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...
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2013-04-18
... provisions take effect in January 2014. DATES: Comments must be received on or before May 3, 2013. ADDRESSES... Disclosure Act (HMDA) data (for ``underserved'') and to provide illustrations of the rule to facilitate... this reason, the 2013 Escrows Final Rule removed the regulatory text providing these protections solely...
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2013-05-23
... severe U.S. recession since the Great Depression, Congress passed the Dodd-Frank Act, which was signed... depository institutions and credit unions with $10 billion or less in total assets as described in section... small differential impact on depository institutions and credit unions with $10 billion or less in total...
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2010-07-01
... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Published reports and material... Published reports and material contained in the public incident investigation dockets. (a) Demands for published investigation reports should be directed to the Office of Congressional and Public Affairs, U.S...
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Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo
2017-02-15
Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.
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Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia
Directory of Open Access Journals (Sweden)
Khuselchimeg Batbileg
2012-04-01
Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.
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The Wm. H. Zimmer Nuclear Power Station: Draft environmental statement (Docket No. 50-358)
International Nuclear Information System (INIS)
1976-10-01
The proposed action is the issuance of an operating license to the Cincinnati Gas and Electric Company, the Columbus and Southern Ohio Electric Company, and the Dayton Power and Light Company for the startup and operation of the Wm. H. Zimmer Nuclear Power Station (Docket No. 50-358) (the station), located on the Ohio River in Clermont County, about 24 miles southeast of Cincinnati, Ohio. The information in this statement represents the second assessment of the environmental impact associated with the Zimmer Nuclear Power Station pursuant to the guidelines of the National Environmental Policy Act of 1969 (NEPA) and 10 CFR Part 51 of the Commission's Regulations. After receipt of an application in 1970 to construct this plant, the staff carried out a review of impact that would occur during the plant's construction and operation. This evaluation was issued as a final environmental statement in September 1972. As the result of this environmental review, a safety review, an evaluation by the Advisory Committee on Reactor Safeguards, and a public hearing in Cincinnati, Ohio, the AEC (now NRC) issued a permit in October 1972 for the construction of Unit 1 of the Zimmer Nuclear Power Station. As of June 1976, the construction of the plant was 54% complete. With a proposed fuel-loading data of April 1978, the applicant has petitioned for license to operate Unit 1 and has submitted (September 1975) the required safety and environmental reports to substantiate this petition. 96 refs., 17 figs., 34 tabs
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Directory of Open Access Journals (Sweden)
Cristian Gheorghe Iacob
2015-05-01
Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.
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Jane Bogoev
2011-01-01
This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...
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2010-09-22
... announcing that the docket for formetanate hydrochloride, which was planned for September 2010, has been... hydrochloride, which was planned for September 2010, has been postponed until December 2010. Table 1... (7417) EPA-HQ-OPP-2010-0214 Carissa Cyran, (703) 347-8781, [email protected] Sodium cyanide (8002...
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Government chartered banks step up oil and gas lending
International Nuclear Information System (INIS)
Crow, P.
1994-01-01
International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries
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Directory of Open Access Journals (Sweden)
Osman PEKER
2011-01-01
Full Text Available In this study, processing of bank lending channel in Turkey was tested with the help of vector auto regression (VAR method by using 1990:01-2008:11 period monthly data. Processing of bank lending channel was investigated on the basis of two different monetary policy variables. According to the empirical findings of the study, on the contrary overnight interest rate, money supply was found to be a more effective monetary policy variable. In case of controling money supply, Central Bank can operate effectively bank credit channels and therefore the amount of output and inflation is going to be directed more easily. In this context it can be said that the processing of the bank lending channel is effective in Turkey.
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Directory of Open Access Journals (Sweden)
Jenkins Hatice
2017-01-01
Full Text Available Providing small and medium enterprises (SMEs with access to external finance has been a major concern for many governments and international organizations for three decades. In recent years the experiences of emerging market countries suggest that a paradigm shift is taking place in SME finance. Particularly in fast-growing emerging market countries such as Turkey, banks are increasingly targeting SMEs as a new line of banking business. This research analyzes how macroeconomic factors have contributed to increased commercial bank lending to SMEs in six emerging market countries: Turkey, Argentina, Brazil, Mexico, Chile, and Poland. Based on time series and panel data analysis, we find that a high GDP growth rate and increased competition in the banking sector have contributed to increased banking sector credit to SMEs. The findings also reveal that curbing the high inflation rate and reducing government domestic borrowing have significantly encouraged bank lending to the SME segment.
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2010-04-01
... Management; computation of time; availability for public disclosure. 10.20 Section 10.20 Food and Drugs FOOD... Management; computation of time; availability for public disclosure. (a) A submission to the Division of Dockets Management of a petition, comment, objection, notice, compilation of information, or any other...
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77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans
2012-09-05
... Truth in Lending Act (TILA), and the official interpretation to the regulation. The proposed revisions... submitted must include ``FDIC'' and ``Truth in Lending Act (Regulation Z).'' Comments received will be... at http://www.ncua.gov/Legal/Regs/Pages/PropRegs.aspx as submitted, except for those we cannot post...
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78 FR 23763 - Sunshine Act Meeting; Open Commission Meeting; Thursday, April 18, 2013
2013-04-22
... Providers (WC Docket No. 07-243); Telephone Number Portability (CC Docket No. 95- 116); Development a...); Numbering Resource Optimization (CC Docket No. 99-200); Petition of Vonage Holdings Corp. for Limited Waiver of Section 52.15(g)(2)(i) of the Commission's Rules Regarding Access to Numbering Resources; Petition...
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2010-01-01
... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Filing documents with the Docket Management System (DMS) and sending documents to the administrative law judge and Assistant Chief Counsel for... Management System (DMS) and sending documents to the administrative law judge and Assistant Chief Counsel for...
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Yu, Haihong; Dan, MengHan; Ma, Qingguo; Jin, Jia
2018-05-14
As herding is a typical characteristic of human behavior, many researchers have found the existence of herding behavior in online peer-to-peer lending through empirical surveys. However, the underlying neural basis of this phenomenon is still unclear. In the current study, we studied the neural activities of herding at decision-making stage and feedback stage using event-related potentials (ERPs). Our results showed that at decision-making stage, larger error related negativity (ERN) amplitude was induced under low-proportion conditions than that of high-proportion conditions. Meanwhile, during feedback stage, negative feedback elicited larger feedback related negativity (FRN) amplitude than that of positive feedback under low-proportion conditions, however, there was no significant FRN difference under high-proportion conditions. The current study suggests that herding behavior in online peer-to-peer lending is related to individual's risk perception and is possible to avoid negative emotions brought by failed investments. Copyright © 2018 Elsevier B.V. All rights reserved.
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76 FR 6473 - Sunshine Act; FCC To Hold Open Commission Meeting Tuesday, February 8, 2011
2011-02-04
...); Establishing Just and Reasonable Rates for Local Exchange Carriers (WC Docket No. 07-135); High- Cost Universal Service Support (WC Docket No. 05-337); Developing a Unified Intercarrier Compensation Regime (CC Docket...
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Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas
2011-01-01
Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems...
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The Sharing Economy and Collaborative Finance: the Case of P2p Lending in Vietnam
Uyen, Tran Dinh; Ha, Hoang
2017-01-01
Peer-to-peer Online Lending (P2PO) has received increasing attention over the last years, not only because of its disruptive nature and its disintermediation of nearly all major banking functions, but also because of its rapid growth and expanding breadth of services. This model offers a new way of investing in addition to investing in traditional channels such as banking or financial company. The transaction process is done online, the personal information and terms of mobilization are compl...
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78 FR 76033 - Truth in Lending (Regulation Z)
2013-12-16
... Regulation Z implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act..., Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping... Rules Applicable to Credit Card Accounts and Open End Credit Offered to College Students 0 2. Section...
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Where does the Buck Stop? Community Attitudes to Over-lending and Over-spending
Directory of Open Access Journals (Sweden)
James O’Brien
2009-03-01
Full Text Available This article explores the results of focus groups and a national survey aimed at discoveringhow ordinary Australians feel about lending and borrowing practices, in the context of highlevels of consumer debt. This research, carried out by The Australia Institute in 2007, found astrong community belief that lenders and regulators, rather than individual consumers, wereprimarily responsible for excessive debt. Many Australians reported feeling uncomfortableabout the way that credit is pushed on vulnerable and ill-informed consumers; advertising andmarketing were believed to be partly responsible for poor financial decision-making. Theauthors propose a number of practical policies to improve the environment in whichconsumers make financial decisions, including a more helpful disclosure regime.
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An Exploratory Study On Bank Lending To SME Sector In Bhutan
Directory of Open Access Journals (Sweden)
Chokey Wangmo
2017-11-01
Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.
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Federal Communications Commission Semiannual Regulatory Agenda
2010-12-20
... Telecommunications Act of 1996 (CC Docket Nos. 96-146, 93-22)......... 498 Implementation of the Subscriber Selection... Regarding AM Radio Service 3060-AJ17 Directional Antenna Performance Verification (MM Docket No. 93-177) 545... 498. IMPLEMENTATION OF THE SUBSCRIBER SELECTION CHANGES PROVISION OF THE TELECOMMUNICATIONS ACT OF...
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2011-08-31
... NUCLEAR REGULATORY COMMISSION [NRC-2011-0185] Virginia Electric and Power Company, Docket Nos. 50.... NPF-4 and NPF-7, issued to Virginia Electric Power Company (the licensee), for operation of the North...) and (d) during declarations of severe weather conditions involving tropical storm or hurricane force...
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76 FR 20799 - Intermediary Lending Pilot Program Meeting
2011-04-13
... Pilot (ILP) program established by the Small Business Jobs Act of 2010. The meetings will be open to the... holding open meetings to discuss the ILP program established in the Small Business Jobs Act of 2010 (Pub... program public meeting, please contact: 1. San Francisco--Steve Bangs, (415) 744-6792, fax (415) 744-6812...
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2011-02-18
... NUCLEAR REGULATORY COMMISSION [Docket No. 52-045; NRC-2011-0020] GE Hitachi Nuclear Energy... Certification On December 7, 2010, GE Hitachi Nuclear Energy (GEH) submitted an application to the U.S. Nuclear... and Approvals for Nuclear Power Plants.'' A notice of receipt and availability of this application was...
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E-books and interlibrary loan an academic centric model for lending
Vigen, Jens
2003-01-01
Ironically, digitally born documents do not fit into existing frameworks of interlibrary lending. In most cases this is because publishers consider them too easy to exchange. In practice, this means that digital documents are often being printed and scanned before being shipped off to a requesting library. This system of circumvention is inefficient - at many levels - and generates a vast pool of activity from which neither authors nor publishers benefit. With the changing paradigm of document delivery, publishers of electronic journals are trying to get their share of the market by offering articles on a 'pay-as-you-go' basis, though at rates many times greater to what is being offered by document delivery services operated by libraries. Instead of joining forces in the digital era, libraries and publishers are fighting a battle which is sometimes described by librarians as the fight between the Good and the Evil. However, new models are emerging which leave room for both library and publisher in the future ...
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Safety evaluation report related to the operation of River Bend Station (Docket No. 50-458)
International Nuclear Information System (INIS)
1984-05-01
The Safety Evaluation Report for the application filed by the Gulf States Utilities Company, as applicant and owner, for a license to operate the River Bend Station (Docket No. 50-458) has been prepared by the Office of Nuclear Reactor Regulation of US Nuclear Regulatory Commission. The facility is located near St. Francisville, Louisiana. Subject to favorable resolution of the items discussed in this report, the NRC staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public
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Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas
2011-01-01
Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems than private banks. On another hand, credit guarantee schemes are a popular form of support to SME finan...
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Chance, William
This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…
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International Nuclear Information System (INIS)
1979-01-01
This title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room as of May 21, 1979. It is divided into preincident and postincident listings, with both listings subdivided into the categories used for filing and searching in the NRC Public Document Room
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Directory of Open Access Journals (Sweden)
Aleksandra Bagieńska-Masiota
2016-11-01
Full Text Available The article raises the issue of the introduction of the Law on Copyright and Related Rights in 2015 regarding Institutions Public Lending Rights (PLR. This institution originated in the legal culture of the nineteenth Century in Western Europe, rewarding authors for the free loan of their books by libraries. The article discusses the basic provisions of the Polish Act on Copyright and Related Rights in the field of PLR, in the following aspects: the institutions covered by PLR; entities entitled to receive compensation, the method of calculating fees and absolute amounts in lending copies (payer; Fund Manager.
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75 FR 75672 - Proposed Settlement Agreement, Clean Air Act Citizen Suit
2010-12-06
...: Jan Tierney, Air and Radiation Law Office (2344A), Office of General Counsel, U.S. Environmental... with the Court in LEAN v. Jackson (civil action no. 1:09-01333) a motion pursuant to Fed. R. Civ. P. 41... available for public viewing at the Office of Environmental Information (OEI) Docket in the EPA Docket...
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75 FR 20355 - Sunshine Act Meeting; Open Commission Meeting; April 21, 2010
2010-04-19
... on whether to establish a voluntary cyber security certification program. The meeting site is fully... Cable Systems and Consumer Electronics Equipment (PP Docket No. 00-67) SUMMARY: The Commission will... Availability of Navigation Devices(CS Docket No. 97-80); and Compatibility Between Cable Systems and Consumer...
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Gaston Giordana; Ingmar Schumacher
2011-01-01
In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...
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Energy Technology Data Exchange (ETDEWEB)
1979-01-01
This supplemental title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room between July 1, 1979 and October 31, 1979. It is divided into preincident and postincident listings, with both listings sub-divided into the categories used for filing and searching in the NRC Public Document Room.
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International Nuclear Information System (INIS)
1979-01-01
This supplemental title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room between July 1, 1979 and October 31, 1979. It is divided into preincident and postincident listings, with both listings sub-divided into the categories used for filing and searching in the NRC Public Document Room
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2012-11-23
...; Establishment of a Public Docket AGENCY: Food and Drug Administration, HHS. ACTION: Notice. SUMMARY: The Food and Drug Administration (FDA) is establishing a public docket for information pertaining to FDA's... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1090...
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76 FR 68202 - MERPAC and MMMAC Recommendations on the STCW SNPRM
2011-11-03
... from the Merchant Mariner Medical Advisory Committee after its review of the STCW SNPRM. DATES... internet, you may view the docket online by visiting the Docket Management Facility in Room W12-140 on the... agreement with the Department of Transportation to use the Docket Management Facility. Privacy Act: Anyone...
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75 FR 57465 - Sunshine Act Meeting; Open Commission Meeting; Thursday, September 23, 2010
2010-09-21
... PUBLIC SAFETY & TITLE: Wireless HOMELAND SECURITY. E911 Location Accuracy Requirements (PS Docket No. 07... SAFETY & TITLE: Wireless HOMELAND SECURITY. E911 Location Accuracy Requirements (PS Docket No. 07- 114... bands available for unlicensed broadband wireless devices while protecting incumbent services. 2...
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2010-07-21
... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission Houston Pipe Line Company LP--Bammel Storage, Docket No. PR10-51- 000, et. al.; Notice of Baseline Filings July 14, 2010. Houston Pipe Line..., 2010, respectively the applicants listed above submitted their baseline filing of its Statement of...
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Carbon Risk Analysis Of The South African Banks’ Lending To The JSE100 CDP Companies
Directory of Open Access Journals (Sweden)
Alfred Bimha
2015-11-01
Full Text Available There is a pertinent concern over the continued lending to companies that are still pursuing projects that increase the amount of carbon emissions in the atmosphere. South Africa has most of its energy generation being done through coal thermal powered turbines. More so there are a number of new power stations being built in South Africa that are coal powered. Coal on the other hand is deemed as having the highest amount of carbon that contributes to the greenhouse effect which in turn affects the climate leading to climate change consequences. There is also a growing concern on the uptake of renewable energy initiatives by companies that are deemed carbon intensive. Banks are being castigated for not using their economic transformation role to champion the agenda of combating climate change caused by carbon emissions. In this study, the extent of lending in the short and long term to carbon intensive companies by South African banks is examined. Using a sample of the Johannesburg Stock Exchange top 100 companies that participate in Carbon Disclosure Project, an analysis is done through four carbon metrics –carbon intensity, carbon dependency, carbon exposure, carbon risk. The analysis used public information from the banks’ websites, South African Reserve Bank reports and other public databases that contain sustainability information of the JSE100 companies. The analysis was done by comparing the carbon metrics of the recognized seven (7 sectorial industry catergories (SIC on the JSE, mainly Energy & Materials, Industrials, Consumer Staples, Consumer Discretionary, Financials, IT & Telecoms and Health Care. The major finding of the research is that there is a high carbon risk in short term loans compared to long term loans across the JSE100 companies that are analysed. More so, the Energy & Materials sector seem to have the highest carbon risk compared to the other sectors.
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Pre-emptive policy for systemic banking crisis
Perotti, E.C.; Suarez, J.
2000-01-01
Systemic banking crises often result from widespread imprudent lending, driven by strong incentives for risk taking and connected lending. This paper identifies a counterbalancing incentive for in-dividual banks to act prudently in the face of widespread risk taking among its competitors. In
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Directory of Open Access Journals (Sweden)
Sinem Gözde BEŞBALLI
2010-01-01
Full Text Available The effect of a change in monetary policy on output operates through monetary transmission channels. The transmission channels of monetary policy may be gathered in five main titles: interest rates channel, asset prices channel, exchange rate channel, credit channel (bank lending channel, balance sheet channel and expectation channel. Findings obtained from the analysis of the transmission channels can be used in policy determination.This paper empirically analyzes the bank lending channel, one of the transmission mechanisms of monetary policy in Turkey. In this paper, data between 1996:06-2006:09 are examined using VAR methodology. According to the findings, the credit channel in Turkey operates partially.
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International Nuclear Information System (INIS)
1984-10-01
The Safety Evaluation Report for the application filed by Public Service Electric and Gas Company, as applicant, for a license to operate the Hope Creek Generating Station (Docket No. 50-354), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located in Salem County, New Jersey. Subject to favorable resolution of the items discussed in this report, the NRC staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public
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The Impact of the Dodd-Frank Act on Financial Stability and Economic Growth
Directory of Open Access Journals (Sweden)
Martin Neil Baily
2017-01-01
Full Text Available This article assesses the benefits and costs of key provisions of the Dodd-Frank Act that strengthened regulation following the financial crisis. The provisions are placed into five groupings: clear wins, clear losses, costly tradeoffs, unfinished business, and too soon to tell. Clear wins include higher prudential standards, including for capital; the single-point-of-entry resolution authority; creation of the Consumer Financial Protection Bureau; and greater transparency and oversight of derivatives. Clear losses are restrictions on Federal Reserve emergency lending authority and forcing the Federal Deposit Insurance Corporation to obtain permission from Congress before providing temporary liquidity guarantees. Costly tradeoffs are the Volcker Rule and the Lincoln Amendment. Unfinished business includes regulatory consolidation and more independence for the Financial Stability Oversight Council and the Office of Financial Research. Too soon to tell are requirements and standards for leverage ratios, capital buffers, stress testing, and liquidity requirements.
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77 FR 16033 - Sunshine Act Meeting; Open Commission Meeting; Wednesday, March 21, 2012
2012-03-19
.... 2 MEDIA Title: Creation of a Low Power Radio Service (MM Docket No. 99-25) and Amendment of Service... Title: Creation of a Low Power Radio Service (MM Docket No. 99-25) Summary: The Commission will consider... mobility aids. Sign language interpreters, open captioning, and assistive listening devices will be...
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International Nuclear Information System (INIS)
Heddleson, F.A.
1975-03-01
Design data, safety features, and site characteristics are summarized for 36 nuclear power units in 18 power stations in the United States. Six pages of data are presented for each plant consisting of thermal-hydraulic and nuclear factors, containment features, emergency-core-cooling systems, site features, circulating water system data, and miscellaneous factors. An aerial perspective is also presented for each plant. The volume covers reactors with dockets 50-452 through 50-503. (U.S.)
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Latka, Mary H; Hagan, Holly; Kapadia, Farzana; Golub, Elizabeth T; Bonner, Sebastian; Campbell, Jennifer V; Coady, Micaela H; Garfein, Richard S; Pu, Minya; Thomas, Dave L; Thiel, Thelma K; Strathdee, Steffanie A
2008-05-01
We evaluated the efficacy of a peer-mentoring behavioral intervention designed to reduce risky distributive injection practices (e.g., syringe lending, unsafe drug preparation) among injection drug users with hepatitis C virus (HCV) infection. A randomized trial with a time-equivalent attention-control group was conducted among 418 HCV-positive injection drug users aged 18 to 35 years in 3 US cities. Participants reported their injection-related behaviors at baseline and at 3- and 6-month follow-ups. Compared with the control group, intervention-group participants were less likely to report distributive risk behaviors at 3 months (odds ratio [OR]=0.46; 95% confidence interval [CI]=0.27, 0.79) and 6 months (OR=0.51; 95% CI=0.31, 0.83), a 26% relative risk reduction, but were no more likely to cite their HCV-positive status as a reason for refraining from syringe lending. Effects were strongest among intervention-group participants who had known their HCV-positive status for at least 6 months. Peer mentoring and self-efficacy were significantly increased among intervention-group participants, and intervention effects were mediated through improved self-efficacy. This behavioral intervention reduced unsafe injection practices that may propagate HCV among injection drug users.
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76 FR 48862 - Sunshine Act Notice
2011-08-09
... by United Taconite, LLC, Docket No. LAKE 2010-128-M. (Issues include whether an agent of a limited liability company can be liable for a civil penalty under section 110(c) of the Federal Mine Safety and...
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Sharma, R
2011-01-01
This Thesis seeks to shed light on the issue of how far secured creditor rights are protected in EU cross-border insolvencies by focusing on the perspective and position of English lenders. The main thread throughout is the legal concerns faced by lenders when lending to a company incorporated in England and Wales which operates across the European Union and has assets and creditors spread across various Member States. The initial stages of the structuring of a cross-border security arrangeme...
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International Nuclear Information System (INIS)
1986-05-01
This report, Supplement No. 1 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved at the time the Safety Evaluation Report was published
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77 FR 30290 - Sunshine Act Meeting; Open Commission Meeting; Thursday, May 24, 2012
2012-05-22
... Technology. Rules to Provide for the Operation of Medical Body Area Networks (ET Docket No. 08-59) Summary... service rules and an allocation for Medical Body Area Networks and seek comment on the selection of an... Greater than 25 kHz Bandwidth Operations in the 817-824/862-869 MHz Band (WT Docket No. 11-110) Summary...
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Safety Evaluation Report related to the operation of WPPSS Nuclear Project No. 2 (Docket No. 50-397)
International Nuclear Information System (INIS)
1984-04-01
This report, Supplement No. 5 to the Safety Evaluation Report (SSER 5) on the Washington Public Power Supply System application for a license to operate WNP-2 (Docket No. 50-397), located in Benton County, Washington, approximately 12 miles north of Richland, Washington, has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved at the time of publication of the Safety Evaluation Report and Supplements No. 1, 2, 3, and 4
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International Nuclear Information System (INIS)
1987-05-01
This report, Supplement No. 5 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, 3, and 4 were published
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International Nuclear Information System (INIS)
1987-03-01
This report, Supplement No. 4 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, and 3 were published
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78 FR 24795 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2013-04-26
... Act heading below for further information. Docket: For access to the docket to read background... loss of consciousness, requiring the assistance of another person, or resulting in impaired cognitive... loss of consciousness, requiring the assistance of another person, or [[Page 24796
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Microfinance Self-Sustainability and Outreach in Uganda: A Case of ...
African Journals Online (AJOL)
MFIs have developed ways of reducing these transaction costs and risks through group lending and solidarity guarantee, among others. Those that will become licensed by the central bank will take deposits and on-lend if need be under the MDI ACT 2003. This is an important step towards financial savings mobilization that ...
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International Nuclear Information System (INIS)
1987-08-01
This report, Supplement No. 6 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the licensee) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, 3, 4, and 5 were published
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International Nuclear Information System (INIS)
1978-01-01
This special edition of the Title List contains Docket 50 material from 1978 that has not appeared in previous issues of the Title List. The documents in this supplement are indexed by personal author, corporate source, and report number. The listings of this material on the domestic licensing of production and utilization facilities, divided into the categories used for filing and searching in the NRC Public Document Room, are presented
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76 FR 73737 - Sunshine Act Meeting
2011-11-29
... Meeting) (Tentative) a. U.S. Department of Energy (High-Level Waste Repository), Docket No. 63-001-HLW... Regarding Preservation of Licensing Support Network (LSN) Documents Collection, and Staff Request for Stay... the distribution, please contact the Office of the Secretary, Washington, DC 20555 (301) 415-1969), or...
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76 FR 62470 - MFS Series Trust I, et al.
2011-10-07
... and lend on equal terms consistent with its investment policies and fundamental investment limitations... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29827; File No. 812-13606... Investment Company Act of 1940 (``Act'') granting an exemption from sections 18(f) and 21(b) of the Act; (b...
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76 FR 72223 - Sunshine Act Notice
2011-11-22
.... U.S. Department of Energy (High-Level Waste Repository), Docket No. 63-001-HLW; Staff Petition for... Preservation of Licensing Support Network (LSN) Documents Collection, and Staff Request for Stay (Tentative). b... the distribution, please contact the Office of the Secretary, Washington, DC 20555 (301) 415-1969), or...
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2013-12-26
... biologics approvals, drug supply chain, and other topics related to human pharmaceuticals. The draft PDUFA V... . Submit written comments to the Division of Dockets Management (HFA-305), Food and Drug Administration....gov or written comments to the Division of Dockets Management (see ADDRESSES). It is only necessary to...
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International Nuclear Information System (INIS)
1985-10-01
This Safety Evaluation Report on the application filed by Duquesne Light Company, as applicant and agent for the owners, for a license to operate the Beaver Valley Power Station Unit 2 (Docket No. 50-412) has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located in Shippingport Borough, Beaver County, Pennsylvania, on the south bank of the Ohio River. Subject to the favorable resolution of the items discussed in this report, the staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public
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76 FR 47291 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-08-04
... Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT... 2011 and certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness...
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76 FR 78720 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-12-19
... Privacy Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT... and certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness...
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75 FR 69734 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2010-11-15
... Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT: Dr... that he has had no severe hypoglycemic reactions resulting in loss of consciousness, requiring the...
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76 FR 1496 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-01-10
... Privacy Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT: Dr... he has had no severe hypoglycemic reactions resulting in loss of consciousness, requiring the...
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76 FR 78722 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-12-19
... Privacy Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT... and certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness...
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77 FR 56914 - Privacy Act of 1974
2012-09-14
... property interests, identity theft or fraud, or harm to the security, confidentiality, or integrity of this... property interests, identity theft or fraud, or harm to the security, confidentiality, or integrity of this... addition, during the comment period, comments may be viewed online through the Federal Docket Management...
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International Nuclear Information System (INIS)
1983-06-01
Supplement 5 to the Safety Evaluation Report for the application filed by Louisiana Power and Light Company for a license to operate the Waterford Steam Electric Station, Unit 3 (Docket No. 50-382), located in St. Charles Parish, Louisiana has been prepared by the Office of Nuclear Reactor Regulation of the Nuclear Regulatory Commission. The purpose of this supplement is to update the Safety Evaluation Report by providing the staff's evaluation of information submitted by the applicant since the Safety Evaluation Report and its four previous Supplements were issued
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International Nuclear Information System (INIS)
1985-03-01
Supplement 10 to the Safety Evaluation Report for the application filed by Louisiana Power and Light Company for a license to operate the Waterford Steam Electric Station, Unit 3 (Docket No. 50-382), located in St. Charles Parish, Louisiana, has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The purpose of this supplement is to update the Safety Evaluation Report by providing the staff's evaluation of information submitted by the licensee since the Safety Evaluation Report and its nine previous supplements were issued
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12 CFR 6.4 - Capital measures and capital category definitions.
2010-01-01
... International Lending Supervision Act of 1983 (12 U.S.C. 3907), or section 38 of the FDI Act, or any regulation... categories of asset quality, management, earnings, or liquidity. [57 FR 44891, Sept. 29, 1992, as amended at...
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77 FR 15086 - Privacy Act of 1974; System of Records
2012-03-14
... Defense Intelligence Information System (DoDIIS) Customer Relationship Management System. The records will... instructions for submitting comments. * Mail: Federal Docket Management System Office, 4800 Mark Center Drive...
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77 FR 36935 - Petition for Approval of Alternate Odometer Requirements
2012-06-20
...: For access to the docket to read background documents or comments received, go to http://www.regulations.gov or the street address listed above. Follow the online instructions for accessing the dockets... Mileage Act of 1986, as amended (TIMA),\\3\\ contains a number of provisions to limit odometer fraud and...
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76 FR 32012 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-06-02
... Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT: Dr... certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness, requiring the...
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75 FR 52813 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2010-08-27
... Act heading below for further information. Docket: For access to the docket to read background... you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER INFORMATION CONTACT: Dr... certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness, requiring the...
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2011-11-09
...: Telecommunications Relay Services and Speech-to-Speech Services for Individuals with Hearing and Speech Disabilities... Services and Speech-to-Speech Services for Individuals with Hearing and Speech Disabilities; Americans with Disabilities Act of 1990, CC Docket No. 98-67, CG Docket No. 10-123, Second Report and Order, Order on...
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International Nuclear Information System (INIS)
1986-08-01
This report, Supplement No. 2 to the the Safety Evaluation Report for the application filed by the Duquesne Light Company, et al. (the applicant) for a license to operate the Beaver Valley Power Station Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved at the time the Safety Evaluation Report was published
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International Nuclear Information System (INIS)
1987-07-01
This report supplements the Safety Evaluation Report (NUREG-1047, February 1985) for the application filed by Niagara Mohawk Power Corporation, as applicant and co-owner, for the license to operate Nine Mile Point Nuclear Station, Unit 2 (Docket No. 50-410). It has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located near Oswego, New York. This report supports the issuance of the full-power license for Nine Mile Point Nuclear Station, Unit No. 2
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77 FR 9632 - Privacy Act of 1974; System of Records
2012-02-17
.... Mail: Federal Docket Management System Office, 4800 Mark Center Drive, East Tower, 2nd Floor, Suite..., payroll office and payroll records, including automated payroll systems.'' * * * * * [FR Doc. 2012-3720...
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2012-06-18
... Biologics Price Competition and Innovation Act of 2009 (BPCI Act) that amends the Public Health Service Act... Service Act as a ``351(k) application''. Under FDA's proposed biosimilar biological product user fee... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-0194...
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2012-03-13
... the Biologics Price Competition and Innovation Act of 2009 (BPCI Act) that amends the Public Health Service Act (PHS Act) and other statutes to create an abbreviated approval pathway for biological products... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-0194...
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2012-05-24
... Competition and Innovation Act of 2009 (BPCI Act) which amends the Public Health Service Act (PHS Act) and... Services (the Secretary) may determine that any of these elements is unnecessary. The biological product... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1029...
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2012-02-15
... Competition and Innovation Act of 2009 (BPCI Act) which amends the Public Health Service Act (PHS Act) and... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1029... product and an application for a supplement for a proposed interchangeable product. DATES: Submit either...
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76 FR 17478 - Qualification of Drivers; Exemption Applications; Diabetes Mellitus
2011-03-29
... Act heading below for further information. Docket: For access to the docket to read background..., 2008 (73 FR 3316), or you may visit http://edocket.access.gpo.gov/2008/pdf/E8-785.pdf . FOR FURTHER... 2010 and certified that he has had no severe hypoglycemic reactions resulting in loss of consciousness...
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76 FR 18753 - Jefferson Island Storage & Hub, L.L.C.; Notice of Filing
2011-04-05
... notification when a document is added to a subscribed docket(s). For assistance with any FERC Online service... services provided under section 311 of the Natural Gas Policy Act of 1978 (``NGPA''). Jefferson Island proposes to revise its SOC to provide its customers the option to use pooling points as additional points...
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75 FR 2466 - State Highway-Rail Grade Crossing Action Plans
2010-01-15
..., 2009, to commence on the date of the public hearing. The extension provides interested parties the... NPRM. A fourteen (14) day extension of the comment period will commence on the date of the hearing. The... Privacy Act section of this document. Docket: For access to the docket to read background documents or...
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International Nuclear Information System (INIS)
1983-03-01
The Safety-Evaluation Report for the application by the United States Department of Energy, Tennessee Valley Authority, and the Project Management Corporation, as applicants and owners, for a license to construct the Clinch River Breeder Reactor Plant (docket No. 50-537) has been prepared by the Office of Nuclear Reactor Regulation of the United States Nuclear Regulatory Commission. The facility will be located on the Clinch River approximately 12 miles southwest of downtown Oak Ridge and 25 miles west of Knoxville, Tennessee. Subject to resolution of the items discussed in this report, the staff concludes that the construction permit requested by the applicants should be issued
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75 FR 3230 - Sunshine Act Meeting Notice
2010-01-20
... deleted without further notice. Contact Person for More Information: Kimberly D. Bose, Secretary.... Item No Docket No. Company Administrative A-1 AD02-1-000 Agency Administrative Matters--FERC Strategic.... E-5 ER09-75-002 Pioneer Transmission, LLC. E-6 EL10-19-000 Western Grid Development, LLC. E-7 ER09...