Sample records for loan guarantee authority
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42 CFR 417.937 - Loan and loan guarantee provisions.
2010-10-01
... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...
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27 CFR 6.61 - Guaranteeing loans.
2010-04-01
... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...
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7 CFR 1738.30 - Rural broadband access loans and loan guarantees.
2010-01-01
... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...
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13 CFR 120.400 - Loan Guarantee Agreements.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan Guarantee Agreements. 120.400 Section 120.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders § 120... specific proposed loan that a Lender may submit. The existence of a Loan Guarantee Agreement does not limit...
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78 FR 63158 - Information Collection; Guaranteed Farm Loan Program
2013-10-23
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...
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19 CFR 351.506 - Loan guarantees.
2010-04-01
... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.506 Loan guarantees. (a) Benefit—(1) In general. In the case of a loan guarantee, a benefit exists to the extent that the total amount a firm pays for...
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Financial Management: Emergency Steel Loan Guarantee Program
National Research Council Canada - National Science Library
2001-01-01
In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...
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78 FR 48135 - Information Collection; Guaranteed Farm Loan Program
2013-08-07
... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...
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14 CFR 1300.23 - Participation in guaranteed loans.
2010-01-01
... lender may distribute the risk of a portion of a loan guaranteed under the program by sale of... transferred in whole or in part; (2) The lender remains solely responsible for the administration of the loan... loans guaranteed under the program: (1) Eligible lenders; (2) Private investment funds and insurance...
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76 FR 31217 - Single Family Housing Guaranteed Loan Program
2011-05-31
... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program... the Rural Housing Service (RHS) Section 502 Single Family Housing Guaranteed Loan Program (SFHGLP) by eliminating the lender's published Department of Veterans Affairs (VA) rate for first mortgage loans with no...
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42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.
2010-10-01
... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1514 Loan guarantee and interest subsidy agreements. For each application for a...
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7 CFR 2201.28 - Participation in guaranteed Loans.
2010-01-01
... Participation in guaranteed Loans. (a) Subject to paragraphs (b), (c) and (d) of this section, a Lender may distribute the risk of a portion of a Loan guaranteed under the Program by sale of participations therein if... in part as a result of the sale of such participations; (2) The Lender remains solely responsible for...
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78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013
2013-01-04
... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...
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76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program
2011-05-27
..., this new approach will give our customers increased flexibility to find and deploy technology that... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of elimination of the...
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42 CFR 57.1507 - Limitations applicable to loan guarantee.
2010-10-01
... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...
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77 FR 38015 - Community Programs Guaranteed Loans
2012-06-26
... section. This is based upon the Agency's experience to date in financing this type of project and the... sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed... Program by limiting the risk to the guaranteed loan portfolio. RHS is seeking to prohibit the financing of...
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13 CFR 120.520 - Purchase of 7(a) loan guarantees.
2010-01-01
... condition of the collateral, plans for any type of loan workout or loan restructuring, existing liquidation activities including the sale of loan collateral, or the status of ongoing foreclosure proceedings. The... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Purchase of 7(a) loan guarantees...
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13 CFR 120.210 - What percentage of a loan may SBA guarantee?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What percentage of a loan may SBA guarantee? 120.210 Section 120.210 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS... percent, except as otherwise authorized by law. [61 FR 3235, Jan. 31, 1996, as amended at 68 FR 51680, Aug...
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Real promise or false hope: DOE's title XVII loan Guarantee
Energy Technology Data Exchange (ETDEWEB)
Massouh, Jennifer F.; Cannon, George D. Jr.; Logan, Suzanne M.; Schwartz, David L.
2009-05-15
While the American Recovery and Reinvestment Act of 2009 expanded the DOE loan guarantee program to include certain ''shovel-ready'' projects, and appropriated $6 billion to cover the credit subsidy cost associated with these projects, it failed to resolve some of the most pressing problems facing the program. Here are some recommendations that may finally get some shovels in the ground. (author)
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Directory of Open Access Journals (Sweden)
Bernard Ndirangu Wachira
2017-08-01
Full Text Available Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performance of Microfinance Banks. It is still unknown why the credit risk affects the performance of non-prime household loans in the Microfinance Banks domiciled in Kenya. The reason for conducting this study is to determine the level at which the third party loan guarantee and the performance of non-prime household loans relate to the Microfinance Banks in Kenya. Particularly, this study is to determine how the amount secured by guarantee, recoveries from guarantors, percentage of loan secured, and percentage recoveries from guarantors relate to the performance of nonprime household loans in the Microfinance Banks in Kenya. The population was 516 senior management employees of the banks. The researcher conducted a multiple regression analysis for determining the relationship between the amount secured by guarantee—recoveries from guarantors, percentage granted, and percentage recoveries—and the performance of non-prime household loans. The R and R2 were used for determining the strength of the relationship and the coefficient of determination at 0.05 level of significance of variables. The result of this study reveals that there exists a strong relationship between the dependent and independent variables, thereby contradicting the null hypothesis, which states that the relationship does not exist. The percentage of the recoveries from the guarantors over the
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2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Replacement of loss, theft, destruction, mutilation..., theft, destruction, mutilation, or defacement of Loan Note Guarantee or Assignment Guarantee Agreement... circumstances of the loss, theft, or destruction of the Loan Note Guarantee or Assignment Guarantee Agreement...
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2010-04-06
... with access to long-term (up to 20-year) fixed-rate loans at relatively low interest rates to finance certain categories of eligible CDBG projects. Historically, section 108 guarantee authority has been... local governments in nonentitlement areas. The July 22, 2009, interim rule implemented the expansion of...
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7 CFR 4279.75 - Sale or assignment of guaranteed loan.
2010-01-01
... borrower's immediate families, officers, directors, stockholders, other owners, or a parent, subsidiary or...) or any successor section will not be guaranteed. (a) Single note system. The entire loan is evidenced...
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2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Replacement of loss, theft, destruction, mutilation... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.73 Replacement of loss, theft, destruction... circumstances of the loss, theft, or destruction of the Loan Note Guarantee or Assignment Guarantee Agreement...
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2013-11-07
... AGENCY FOR INTERNATIONAL DEVELOPMENT 22 CFR Part 230 Israel Loan Guarantees Issued Under the... the Government of Israel on behalf of the State of Israel. Pursuant to the Emergency Wartime... International Development, may issue loan guarantees applicable to sums borrowed by the Government of Israel on...
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An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.
Bayus, Barry; Kendis, Kurt
1982-01-01
In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)
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2013-10-28
... procedures and standard terms and conditions applicable to loan guarantees to be issued for the benefit of... Definitions. 233.03 The Guarantee. 233.04 Guarantee eligibility. 233.05 Non-impairment of the Guarantee. 233... Default; Application for Compensation; payment. 233.09 No acceleration of Eligible Notes. [[Page 64176...
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22 CFR 213.3 - Loans, guarantees, sovereign and interagency claims.
2010-04-01
... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Loans, guarantees, sovereign and interagency claims. 213.3 Section 213.3 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT CLAIMS COLLECTION... thereof, or any public international organization; (d) Claims where the CFO determines that the...
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Improvements Needed in Administration of the Guaranteed Student Loan Program.
General Accounting Office, Washington, DC.
This report identifies improvements needed in administration of the guaranteed student loan program. Improvements needed are based on the fact that that lenders are not informed when student borrowers drop out of school. Alternatives for providing lenders with timely information on enrollment terminations are indicated. Additional administrative…
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Congress of the U.S., Washington, DC. House.
A report on the Guaranteed Student Loan Amendments (H.R. 14070) to Title IV of the Higher Education Act of 1965 considers the problems behind and implications of the loan program. Chief among the problems are the default rate, access to loans, the schools as lenders, and the role of the states in administering the program. Changes recommended…
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78 FR 13999 - Maximum Interest Rates on Guaranteed Farm Loans
2013-03-04
..., cost-plus, flat-rate, or market based) to price guaranteed loans, provided the rates do not exceed the... (LIBOR) or the 5-year Treasury note rate, unless the lender uses a formal written risk-based pricing... cost in the form of a lower interest rate than the borrower would otherwise receive. Therefore, the FSA...
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2010-10-01
... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Authority. 932.7002... REQUIREMENTS CONTRACT FINANCING DOE Loan Guarantee Authority 932.7002 Authority. Guaranteed loan applications... specified for that purpose, and only when made pursuant to enabling legislation or other authority; e.g., by...
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24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.
2010-04-01
... acceptable financial risk under HUD's generally applicable loan underwriting standards based on the following: (1) The Borrower's ability to pay debt service; and (2) The value of the collateral assigned or... insufficient to make the guarantee an acceptable financial risk, or if the proposed interest rates or fees are...
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2010-01-01
... Chattel Property § 1955.12 Acquisition of property which served as security for a loan guarantee by FmHA... 7 Agriculture 14 2010-01-01 2009-01-01 true Acquisition of property which served as security for a loan guarantee by FmHA or its successor agency under Public Law 103-354 or at sale by another...
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2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...
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2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...
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2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...
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76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs
2011-05-13
... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...
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2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...
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2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...
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Directory of Open Access Journals (Sweden)
Lola D. Sanginova
2015-01-01
Full Text Available Importance: Under current conditions, the Russian economy needs investment resources to ensure sustainable social and economic development. One of instruments of state-financing backing that can be used to support capital intensive, economically viable, financially and socially efficient investment projects that create "growing points" are state guarantees of theRussian Federation.Objective: The objective of this study is to identify possible ways to improve the requirements and procedures of providing state guarantees of theRussian Federationwhich contribute to the increase in the quantity and quality of investment projects of high social importance. Methods: Through the use of general scientific methods, analysis and synthesis, induction and deduction the possibility of creating a more attractive environment for principals is analyzed, measures to reduce the risk for public legal entities in providing state guarantees of theRussian Federationunder credits or bonded loans raised for investment projects implementation.Results: Principles of state guarantee support that ensure the interests of both the principals and the guarantor are defined. The basic directions for improving the mechanism how state guarantees of theRussian Federationsupport investment projects are justified. These directions include increasing availability of obtaining state guarantee support by lowering the cost of investment projects for which the state guarantees may be provided; reducing time of decision making on granting a state guarantee; increasing the creditors’ responsibility for a qualitative assessment of the creditworthiness of principals and investment projects; changing the methodology for assessing the social efficiency of investment projects; increasing the information transparency of provided state guarantees of the Russian Federation.Conclusions: The main result of this study is that under current conditions of economic turbulence state guarantees of the
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2010-10-26
... DEPARTMENT OF ENERGY Conditional Commitment for a Federal Loan Guarantee for Project Financing for... based on the analysis in the Final Environmental Impact Statement for Project Financing for Southwest... support of debt financing for transmission infrastructure investment projects located in the United States...
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34 CFR 682.506 - Limitations on maximum loan amounts.
2010-07-01
... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's.... (b) The Secretary does not guarantee a Federal Consolidation loan in an amount greater than that required to discharge loans eligible for consolidation under § 682.100(a)(4). (Authority: 20 U.S.C. 1075...
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2012-04-11
... Number: 2577-0200. Description of the need for the information and proposed use: The information is... service areas. Mortgage lenders approved by HUD provide borrower and lender information to HUD for... Information Collection for Public Comment; Loan Guarantee for Indian Housing AGENCY: Office of the Assistant...
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76 FR 54454 - Issuance of Loan Guarantee to Genesis Solar, LLC, for the Genesis Solar Energy Project
2011-09-01
... DEPARTMENT OF ENERGY Issuance of Loan Guarantee to Genesis Solar, LLC, for the Genesis Solar... Energy Project (GSEP), a 250-megawatt (MW) nominal capacity solar power generating facility on.../Final Environmental Impact Statement for the Genesis Solar Energy Project, Riverside County, California...
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2010-10-01
... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...
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2010-01-20
... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program AGENCY: Rural Business-Cooperative Service, USDA. ACTION: Notice of public meeting. SUMMARY: The Rural Business-Cooperative Service (RBS), an...
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76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures
2011-12-20
... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...
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Touche Ross and Co., Washington, DC.
Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…
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42 CFR 57.1510 - Security for loans.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...
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2010-04-01
... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...
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2010-01-01
... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...
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2010-04-01
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...
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77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs
2012-03-07
... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...
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2011-04-18
....37 billion in loan guarantees to support the financing of the ISEGS project. The conditional... operation of this project were analyzed in the Proposed California Desert Conservation Area Plan Amendment... comments, which BLM incorporated. DOE determined that the project analyzed in the Final EIS was...
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2011-10-06
... DEPARTMENT OF ENERGY Issuance of a Loan Guarantee to First Solar, Inc., for the Desert Sunlight Solar Farm Project AGENCY: U.S. Department of Energy. ACTION: Record of decision. SUMMARY: The U.S... The proposed DSSFP is a photovoltaic solar electrical generating facility using commercial, thin-film...
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Myers, Greeley; Siera, Steven
1980-01-01
Default on guaranteed student loans has been increasing. The use of discriminant analysis as a technique to identify "good" v "bad" student loans based on information available from the loan application is discussed. Research to test the ability of models to such predictions is reported. (Author/MLW)
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7 CFR 4279.149 - Personal and corporate guarantee.
2010-01-01
... guarantees are part of the collateral for the loan, but are not considered in determining whether a loan is... documents to the Agency's satisfaction that collateral, equity, cashflow, and profitability indicate an... guarantee form. When warranted by an Agency assessment of potential financial risk, Agency approved...
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78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review
2013-10-28
... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...
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2011-09-29
... DEPARTMENT OF ENERGY Issuance of a Loan Guarantee to Tonopah Solar Energy, LLC, for the Crescent Dunes Solar Energy Project AGENCY: U.S. Department of Energy. ACTION: Record of decision. SUMMARY: The U... and Reinvestment Act of 2009 (Recovery Act), to Tonopah Solar Energy, LLC (TSE), for construction and...
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2013-04-04
... supplying information that competitors could use to compete with companies in the United States. DATES... or Financial Guarantee in Excess of $100 Million: AP087223XX and AP087223XA AGENCY: Export-Import...''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial...
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2013-04-08
... the transaction: To support the export of U.S. manufactured commercial aircraft to China. Brief non... EXPORT-IMPORT BANK [Public Notice 2013-0024] Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 million: AP087801XX AGENCY: Export-Import Bank of the United...
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2013-06-03
...-haul passenger service from Australia to other countries. To the extent that Ex-Im Bank is reasonably... EXPORT-IMPORT BANK [Public Notice 2013-0030] Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million: AP087980XX AGENCY: Export-Import Bank of the United...
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24 CFR 573.7 - Loan guarantee agreement.
2010-04-01
... will require the Borrower to provide collateral security, to an extent and in a form, acceptable to HUD... property with comparable new property; (5) The lender will follow certain claim procedures to be specified... underlying collateral security for the loan; and (7) The lender will act as the fiscal agent for the loan...
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2013-11-21
..., rail and port facilities in Australia. To the extent that Ex-Im Bank is reasonably aware, the item(s... EXPORT-IMPORT BANK [Public Notice: 2013-0054] Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million: AP086750XX AGENCY: Export-Import Bank of the...
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2013-11-08
... EXPORT-IMPORT BANK [Public Notice 2013-0050] Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million: AP086418XX AGENCY: Export-Import Bank of the United...) of the Charter of the Export-Import Bank of the United States (``Ex-Im Bank''), that Ex-Im Bank has...
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Legal Status of Credit Bank Guarantee in Indonesia’s Legal Guarantee
Directory of Open Access Journals (Sweden)
Erma Defiana Putriyanti
2017-07-01
Full Text Available The aim of this research is to analyze about the legal status of the letter hiring as collateral for bank loans in the Indonesian security law. The method of this research is a normative juridical. The results of this research indicate that the decree hiring is not included in the objects that can be bound by pledge, fiduciary, and mortgage then hiring decree hiring is not included in the personal guarantee and corporate guarantee. Although the hiring decree is issued by a legitimate institution, the institution is not bound by an agreement between the debtor debts with the bank but when the decree was used as security for the bank. Hiring letter is not also included in the general collateral. Decree hiring is not an object and does not qualify as material that can be used as general collateral. The conclusion of this research is that the position of the decree hiring as collateral for bank loans is a new form of guarantee which is not included in the general guarantees and the specific ones. This shows that the system of legal guarantees in Indonesia is not pure anymore embrace a closed system, but has started shifting into an open system.
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2010-01-01
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...
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7 CFR 1737.92 - Loan documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...
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7 CFR 1710.50 - Insured loans.
2010-01-01
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...
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2010-10-01
... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Authority. 32.302 Section 32.302 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Loan Guarantees for Defense Production 32.302 Authority. Congress has...
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7 CFR 1710.407 - Loan documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...
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7 CFR 1710.406 - Loan approval.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...
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7 CFR 762.121 - Loan purposes.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...
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7 CFR 1738.22 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...
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7 CFR 1710.113 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...
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7 CFR 1779.69 - Loan servicing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...
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Comptroller General of the U.S., Washington, DC.
The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…
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10 CFR 609.10 - Loan Guarantee Agreement.
2010-01-01
... accepted accounting principles and practices. The non-guaranteed portion (if any) of any Guaranteed... examination, to any pertinent books, documents, papers, and records of the Borrower, Eligible Lender or other... transferring Eligible Lender was performing these functions and transfer such functions to the new Eligible...
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7 CFR 1980.310 - Loan purposes.
2010-01-01
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...
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22 CFR 231.04 - Guarantee eligibility.
2010-04-01
... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Guarantee eligibility. 231.04 Section 231.04 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC LAW 108-11-STANDARD TERMS AND...
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22 CFR 231.03 - The Guarantee.
2010-04-01
... 22 Foreign Relations 1 2010-04-01 2010-04-01 false The Guarantee. 231.03 Section 231.03 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC LAW 108-11-STANDARD TERMS AND CONDITIONS...
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13 CFR 120.521 - What interest rate applies after SBA purchases its guaranteed portion?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate applies after... 504 Loans Sba's Purchase of A Guaranteed Portion § 120.521 What interest rate applies after SBA purchases its guaranteed portion? When SBA purchases the guaranteed portion of a fixed interest rate loan...
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7 CFR 3575.80 - Interest rate changes after loan closing.
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 3575.80..., DEPARTMENT OF AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.80 Interest rate changes after...) may collectively effect a permanent reduction in the interest rate on the guaranteed loan at any time...
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31 CFR 25.400 - Loan provisions.
2010-07-01
... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...
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42 CFR 57.1518 - Modification of loans.
2010-10-01
... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...
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2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Adjustment of interest rates for certain loans... INTEREST RATES, TERMS, CONDITIONS, AND APPROVAL AUTHORITY Interest Rates, Amortization, Guarantee Fee, Annual Charge, and Fixed Period § 1810.2 Adjustment of interest rates for certain loans involving use of...
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24 CFR 1007.30 - Security for loan.
2010-04-01
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Security for loan. 1007.30 Section... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.30 Security for loan. (a) In general. A... Lands is used as collateral or security for the loan, the following additional provisions apply: (1...
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7 CFR 4280.123 - Guaranteed loan funding.
2010-01-01
... the renewable energy system or energy efficiency improvement. (1) Post-application purchase and... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy... equipment, and vehicles. (2) Post-application construction or improvements, except residential. (3) Energy...
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13 CFR 120.613 - Secondary Participation Guarantee Agreement.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Secondary Participation Guarantee Agreement. 120.613 Section 120.613 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.613 Secondary Participation Guarantee Agreement. When a Lender...
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49 CFR 22.57 - Loan reporting requirements.
2010-10-01
... indicates the date in which the loan has been activated/funded. The form is available at http://www.osdbu... repayment of the STLP loan, or upon expiration of the loan guarantee. The form is available at http://www... Report and form DOT F 2305-1 Guaranty Loan Status Report. These forms are available at http://www.osdbu...
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13 CFR 120.546 - Loan asset sales.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....546 Loan asset sales. (a) General. Loan asset sales are governed by § 120.545(b)(4) and by this... consented to SBA's sale of the loan (guaranteed and unguaranteed portions) in an asset sale conducted or...
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2010-05-28
...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION... Federal Housing Finance Agency (FHFA) to permit the Federal Home Loan Banks (Banks) until July 30, 2010... Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, Enterprises), the Banks, and...
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Linking Financial Service Providers to Commercial Capital : How Do Guarantees Add Value?
Alexia Latortue; Jasmina Glisovic-Mezieres
2008-01-01
In microfinance, experimentation with loan guarantees began largely as an attempt to demonstrate to local banks that Microfinance Institutions (MFIs) are creditworthy. Though loan guarantees are far less common than other funding instruments, such as debt, equity, and grants, they are beginning to be used more often. This brief is based on a joint Consultative Group to Assist the Poorest (...
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13 CFR 120.621 - SBA guarantee of an Individual Certificate.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false SBA guarantee of an Individual Certificate. 120.621 Section 120.621 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market The Sba Guarantee of A Certificate § 120.621 SBA guarantee of an Individual...
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13 CFR 120.620 - SBA guarantee of a Pool Certificate.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false SBA guarantee of a Pool Certificate. 120.620 Section 120.620 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market The Sba Guarantee of A Certificate § 120.620 SBA guarantee of a Pool Certificate...
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49 CFR 260.45 - Events of default for guaranteed loans.
2010-10-01
... reflect the fair market value and potential liquidation value. In order to formulate a liquidation plan... must continue to submit this information to the Administrator each month until such time as the loan is... and interest in accordance with the note. If the loan is brought current, the Lender will repay to the...
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7 CFR 1710.102 - Borrower eligibility for different types of loans.
2010-01-01
... LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.102 Borrower eligibility for different... grid renewable energy systems. (See 7 CFR part 1712). These guarantees are normally used to finance bulk transmission and generation facilities, but they may also be used to finance distribution and...
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42 CFR 57.1512 - Length and maturity of loans.
2010-10-01
... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...
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2011-08-18
... Product/Purpose: The loan, guarantee, or grant application is to support the expansion of business to the... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities... result in: (a) A transfer of any employment or business activity from one area to another by the loan...
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13 CFR 120.1707 - Seller's retained Loan Interest.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's retained Loan Interest. 120.1707 Section 120.1707 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1707 Seller...
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13 CFR 120.1714 - Seller's Pool Loan servicing.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan servicing. 120.1714 Section 120.1714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1714 Seller...
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13 CFR 120.1715 - Seller's Pool Loan liquidation.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan liquidation. 120.1715 Section 120.1715 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1715 Seller...
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13 CFR 120.1713 - Seller's Pool Loan origination.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan origination. 120.1713 Section 120.1713 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1713 Seller...
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13 CFR 120.1717 - Seller's Pool Loan deferments.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan deferments. 120.1717 Section 120.1717 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1717 Seller...
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22 CFR 231.05 - Non-impairment of the Guarantee.
2010-04-01
... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Non-impairment of the Guarantee. 231.05 Section 231.05 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC LAW 108-11-STANDARD...
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Energy Technology Data Exchange (ETDEWEB)
1981-07-09
Administrative procedures related to obtaining of the state guaranteed loan and interest subsidies in gardening greenhouses are supplementing the previous law to the same effect (of 10 June 1981). Any energy saving measures in greenhouse farms are entitled to subsidies, if applications can prove the yearly energy saving to constitute at least 12,5% of the investment and if the investment bears no resemblance to any form for maintenance.
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7 CFR 1744.207 - Investment not to jeopardize loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Investment not to jeopardize loan security. 1744.207... SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO GUARANTEED AND INSURED TELEPHONE LOANS Borrower Investments § 1744.207 Investment not to jeopardize loan security. A borrower shall...
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2010-01-29
... permanent financing phase of a project. In addition to the proposed form of guarantee, the Agency will... financing phase of the project. This third form of guarantee is being proposed in response to input from... requests. * * * * * Lease-up period. The period of time that begins when the first unit in the project...
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DEVELOPMENT OF THE AGRICULTURAL SECTOR FROM MOLDOVA THROUGH AGRICULTURE LOANS
Directory of Open Access Journals (Sweden)
Aliona SARGO
2013-01-01
Full Text Available Financial institutions present on the market become more attentive when they have to give loans to the agriculture sector. The lack of necessary guarantees the low profit registered in agricultural district, economy instability and other things had and continue to have a negative impact on the evolution of agricultural sector, this being seen as one with a high level of risk. Commercial banks use less own funds for lending to agriculture and especially when the loans are guaranteed from various funds, programs or foreign donor agencies. Farmers find it difficult to bank loans because of collateral amount required is too high. However, commercial banks in Moldova provide agricultural loans, thus increasing the economic efficiency of agriculture.
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13 CFR 120.215 - What interest rates apply to smaller loans?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rates apply to... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.215 What interest rates apply to smaller loans? For a loan over $25,000 but not exceeding $50,000, the...
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2011-03-16
...; Representation for CCC and FSA Loans Authorization To File a Financing Statement AGENCY: Commodity Credit... Commodity Credit Corporation or Farm Service Agency Loans and Authorization To File A Financing Statement... Financing Statement and Related Documents. OMB Control Number: 0560-0215. Expiration Date of Approval...
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Managing Student Loan Default Risk: Evidence from a Privately Guaranteed Portfolio.
Monteverde, Kirk
2000-01-01
Application of the statistical techniques of survival analysis and credit scoring to private education loans extended to law students found a pronounced seasoning effect for such loans and the robust predictive power of credit bureau scoring of borrowers. Other predictors of default included school-of-attendance, school's geographic location, and…
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75 FR 52429 - Guaranteed Single Family Housing Loans
2010-08-26
... other than foreclosure is recommended to resolve the delinquency. Use of special loan servicing does not... weekly in its Statistical Release H.15. This default maximum allowable interest rate is determined using... weekly in its Statistical Release H.15. * * * * * Mortgage payment to income ratio. This ratio is defined...
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7 CFR 761.209 - Loan funds for beginning farmers.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan funds for beginning farmers. 761.209 Section 761... Funds to State Offices § 761.209 Loan funds for beginning farmers. Each fiscal year, the Agency reserves a portion of direct and guaranteed FO and OL loan funds for beginning farmers in accordance with...
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7 CFR 3565.204 - Maximum loan amount.
2010-01-01
... project. The lender shall recommend to the Agency an adjustment in the loan amount if appropriate as a result of this review. (2) Where the project financing combines a guaranteed loan with Low-Income Housing Tax Credits or other Federal assistance, the project must conform to the policies regarding necessary...
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13 CFR 120.391 - What is the Builders Loan Program?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...
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Financial guarantees and public debt in South Africa
Directory of Open Access Journals (Sweden)
Ogutu Miruka
2015-09-01
Full Text Available A few years since the worst of the Euro sovereign debt crisis, many nations, from Cyprus to Ireland, including South Africa are re-visiting their public debt management to avert or lessen the impact of similar such happenings in the future. There are a number of studies on risk assessments of fiscal sustainability; however, few focus on contingent liabilities and even fewer on financial guarantees. In South Africa, financial guarantees have consistently comprised just above or below 50% of all contingent liabilities since the early days of majoritarian rule. In lieu of this, the paper analyses the risks posed by financial guarantees to fiscal sustainability in South Africa. We estimate the effect of financial guarantees on public debt in South Africa via the Engle Granger and causality model with quarterly time series data obtained from the South African Reserve Bank (SARB as well as the National Treasury. The data covers the April 1997 to December 2011 period. All econometric methods were executed using the statistical software package E-Views 7. We found that no long run relationship exists between national net loan debt and financial guarantees in South Africa. The pass rate of financial guarantees significantly affects its present value. The pass rate of financial guarantees has a predicting ability in determining the present value of national net loan debt. These findings may be contrary to what would be expected in the case of South Africa considering that the country is managing the issuance of financial guarantees prudently and that at present levels, there is no need for a radical policy shift. The study therefore offers a lesson to similar merging economies on the good governance of contingent liabilities.
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75 FR 5902 - Guarantees for Bonds and Notes Issued for Electrification or Telephone Purposes
2010-02-05
... Submission Form,'' must be completed. (If you click on the hyperlink of the docket when the search returns it.... 3. Amend Sec. 1720.3 by adding the definition of ``Eligible Loan'' to read as follows: Sec. 1720.3 Definitions. * * * * * Eligible Loan means a loan that a guaranteed lender extends to a borrower for up to 100...
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Analysis of Default Risk of Agricultural Loan by Some Selected ...
African Journals Online (AJOL)
... to reduce default rate and loan diversions since members can serve as watch dog to each other. Banks should also prevent unnecessary delay in loan disbursement to allow for timely use of the loan. Banks should also explore the Agricultural credit guarantee scheme (ACGS) to offset part of the risk in case of default.
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7 CFR 1710.106 - Uses of loan funds.
2010-01-01
... and Basic Policies § 1710.106 Uses of loan funds. (a) Funds from loans made or guaranteed by RUS may be used to finance: (1) Distribution facilities. (i) The construction of new distribution facilities... station service, and the borrower is unable to finance the acquisition from other sources. See § 1710.107...
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77 FR 54839 - Energy Efficiency and Conservation Loan Program
2012-09-06
... CFR Parts 1710, 1717, 1721, 1724, and 1730 RIN 0572-AC19 Energy Efficiency and Conservation Loan..., proposing policies and procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by electric utilities for the benefit of rural...
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1983-09-21
The Department of Health and Human Services (HHS) adds a new section to regulations for making and guaranteeing loans for construction and modernization of hospitals and medical facilities and to regulations for guaranteeing loans for the construction of teaching facilities for health professions personnel. Under these regulations HHS will not approve the modification of the terms of an existing loan guaranteed under Title VI or Title VII of the Public Health Service (PHS) Act if the modification would permit use of the guarantee (or guaranteed loan) as collateral for tax-exempt financing.
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7 CFR 4280.129 - Evaluation of guaranteed loan applications.
2010-01-01
... the prime rate (as published in The Wall Street Journal) plus 1.5 percent, 5 points will be awarded. (2) If the interest rate on the loan is to be below the prime rate (as published in The Wall Street Journal) plus 1 percent, 10 points will be awarded. ...
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7 CFR 1980.454 - Conditions precedent to issuance of the Loan Note Guarantee.
2010-01-01
... percent in loan amounts between $1 million and $10 million. 4. Basic credit requirements of all loans. B... experience of the new lender before the request is approved. If approved, notify the Finance Office of the...
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13 CFR 500.210 - Assignment or transfer of loans.
2010-01-01
... has the effect of distributing the risks of the credit among other Lenders if: (i) Neither the loan... be modified, assigned, conveyed, sold or otherwise transferred by the Lender, in whole or in part... assignment or transfer of less than 100 percent of a Lender's interest in the Loan Documents and Guarantee...
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13 CFR 400.214 - Participations in guaranteed loans.
2010-01-01
...) Subject to paragraphs (b), (c) and (d) of this section, a Lender may distribute the risk of a portion of a... the Guarantee is assigned, conveyed, sold, or transferred in whole or in part; (2) The Lender remains... Lenders; (2) Private investment funds and insurance companies that do not usually invest in commercial...
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7 CFR 4290.1600 - Secretary's authority to issue and guarantee Trust Certificates.
2010-01-01
... INVESTMENT COMPANY (âRBICâ) PROGRAM Financial Assistance for RBICs (Leverage) Funding Leverage by Use of... the timely payment of the principal and interest thereon. Any such guarantee of such TC is limited to... any TC. (b) Authority to arrange public or private fundings of Leverage. The Secretary in his or her...
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7 CFR 1980.488 - Guaranteed industrial development bond issues.
2010-01-01
... industrial plants for lease to private businesses engaged in industrial manufacturing and does not provide... 7 Agriculture 14 2010-01-01 2009-01-01 true Guaranteed industrial development bond issues. 1980..., DEPARTMENT OF AGRICULTURE (CONTINUED) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan...
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A NEPA follow-up study of DOE loan guarantee fuel ethanol plants
International Nuclear Information System (INIS)
Hunsaker, D.B. Jr.; Eddlemon, G.K.; Miller, R.L.; Webb, J.W.
1989-04-01
This study was implemented to examine and characterize the actual environmental impacts of three fuel ethanol plants constructed under the US Department of Energy, Office of Alcohol Fuels Loan Guarantee Program, and to compare actual impacts with those predicted about six years ago in environmental assessments (EAs) prepared for these facilities. The objective of the program, established under the Energy Security Act of 1980, was to conserve petroleum resources by promoting the use of fuel ethanol in motor vehicles. The plants were designed to produce fuel-grade ethanol for blending with gasoline and reflect differentfeedstocks, processes, fuel sources, and site locations. Although two of the facilities as constructed differed substantially from those assessed previously, actual environmental impacts generally occurred in the areas predicted by the EAs. Major impacts not anticipated include odor from air emissions, effects of wastewater discharge on operation of a municipal sewage treatment plant, possible classification of treated wastewater from a molasses-based process as a nuisance, and habitat losses from both vegetation removal and unforeseen construction of barge terminals. In all cases, impacts were judged to be not significantn the final outcome, either because plant management (or other involved parties) took corrective action or because the resources affected in these particular cases were not important. Mitigation measures reliedon in the EAs to limit adverse impacts to insignificant levels were implemented and were required by permit condition, law, or regulation. Future follow-up studies would benefit from the availability of ambientmonitoring data to more thoroughly characterize actual impacts
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46 CFR 381.7 - Federal Grant, Guaranty, Loan and Advance of Funds Agreements.
2010-10-01
... are generated by U.S. Government Grant, Guaranty, Loan and/or Advance of Funds Programs, the head of... freight revenue and tonnage of cargo generated by the U.S. Government Grant, Guaranty, Loan or Advance of... funds granted, guaranteed, loaned, or advanced by the U.S. Government under this agreement, and which...
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7 CFR 762.130 - Loan approval and issuing the guarantee.
2010-01-01
... complete until all information required to make an approval decision, including the information for an... lender's loan or line of credit conditions and requirements since submission of the application (except... compensation, and personal life insurance (when required) are in effect; (iii) Truth in lending requirements...
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7 CFR 1717.158 - Mergers with borrowers who prepaid RUS loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Mergers with borrowers who prepaid RUS loans. 1717.158 Section 1717.158 Agriculture Regulations of the Department of Agriculture (Continued) RURAL... GUARANTEED ELECTRIC LOANS Mergers and Consolidations of Electric Borrowers § 1717.158 Mergers with borrowers...
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7 CFR 4279.155 - Loan priorities.
2010-01-01
... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Business and Industry Loans... statistical data (5 points). (ii) Located in a rural community that has remained persistently poor over the...
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75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC
2010-09-16
...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...
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2010-05-10
... through the construction and permanent loan financing phases of a project. Those applications that meet... and will be in effect throughout both of the project's construction and permanent financing phases... loans. The Agency can guarantee the ``construction and permanent'' financing phases of a project. The...
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13 CFR 120.1712 - Seller responsibilities with respect to Seller's Pool Loan.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller responsibilities with respect to Seller's Pool Loan. 120.1712 Section 120.1712 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504...
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2011-03-18
... (Requirements for Interest Rate Reduction Refinancing Loans); Comment Request AGENCY: Veterans Benefits... to refinance a delinquent VA-guaranteed loan with a lower interest rate. DATES: Written comments and... techniques or the use of other forms of information technology. Title: Requirements for Interest Rate...
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2010-06-25
... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the... degree in nursing. Below are details on how the ACA changes Sections 836(a), 836(b)(1), and 836(b)(3) of...
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25 CFR 103.6 - To what extent will BIA guarantee or insure a loan?
2010-04-01
... insurance percentage rate that satisfies the lender's risk management requirements. (d) Absent exceptional... lender has insured under the Program as of the date the lender makes a claim under its insurance coverage... outstanding loans from the same lender to the same borrower; or (2) One loan guaranty under the Program when...
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25 CFR 103.16 - How does BIA approve or reject a loan guaranty or insurance application?
2010-04-01
..., or if necessary, from liquidating loan collateral. Lenders are expected to obtain a first lien security interest in enough collateral to reasonably secure repayment of each loan guaranteed or insured... 25 Indians 1 2010-04-01 2010-04-01 false How does BIA approve or reject a loan guaranty or...
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7 CFR 1717.655 - Exclusion of certain investments, loans, and guarantees.
2010-01-01
...) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED... which have been purchased as a condition of membership in the supplemental lender, or as a condition of... waste disposal systems; (C) Telecommunication and other electronic communication systems; and (D...
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2013-06-25
... Statistical Report;'' and RUS Form 7a, ``Investments, Loan Guarantees, and Loans,'' or similar information... accordance with 2 CFR part 170. Corporate Felony Convictions and Corporate Felony Tax Delinquencies...
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29 CFR 2550.408b-3 - Loans to Employee Stock Ownership Plans.
2010-07-01
... standard loan amortization tables. The third rule is that subdivision (2) is not applicable from the time... $750,000 from a bank. X guarantees the loan which is for 15 years at 5% interest and is payable in..., including the terms of the employer's articles of incorporation, unless so required by applicable state law...
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Deitch, Kenneth M.
A National Education Loan Bank (NELB) is proposed as an alternative to existing federal loan programs for education, such as the National Direct Student Loan program and the Guaranteed Student Loan program. The history and structures of these two programs are detailed: financing, costs, insurance arrangements, agencies, volume, and interest rates.…
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7 CFR 3565.304 - Lender loan processing responsibilities.
2010-01-01
... application at the feasibility stage or when they request a conditional commitment. (b) Project servicing, management and disposition. Unless otherwise permitted by the Agency, the originating lender must perform all loan functions during the period of the guarantee. These functions include servicing, asset management...
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2010-01-01
... extensions of credit and not upon any full or partial recourse endorsement or guarantee by the transferor... Loans and Extensions of Credit Appendix to Part 215 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF... Statutes Total Loans and Extensions of Credit (a)(1) The total loans and extensions of credit by a national...
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24 CFR 201.41 - Loan servicing.
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...
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2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...
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49 CFR 22.13 - Loan terms and conditions.
2010-10-01
...; and it is encouraged for those business applicants that do not have a management succession plan... in effect on the first business day of the month in which the STLP loan guarantee is approved by DOT OSDBU. The prime rate is the rate printed in a national financial newspaper published each business day...
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2012-07-17
... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...
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Institute of Scientific and Technical Information of China (English)
Jianfang Zhou; Jingjing Wang; Jianping Ding
2014-01-01
Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.
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7 CFR 1786.35 - Loss, theft, destruction, mutilation, or defacement of RUS guarantee.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loss, theft, destruction, mutilation, or defacement... Loans Pursuant to Section 306(A) of the RE Act § 1786.35 Loss, theft, destruction, mutilation, or... circumstances of the loss, theft, or destruction of the guarantee; and (vi) The lender or holder, shall present...
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2010-07-23
... business venture to acquire land, pay for design and entitlement work, and cover short-term operating... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities...
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Directory of Open Access Journals (Sweden)
Ondřej Dvouletý
2017-12-01
Full Text Available The purpose of this article was to conduct an empirical evaluation of the Czech public programme START, which was funded from the European Regional Development Fund. The programme lasted from 2007–2011, and supported new entrepreneurs through the zero interest soft loans and credit guarantees. The counterfactual analysis (using three matching techniques: propensity score, nearest neighbour, and kernel was conducted on the firm level and investigated the changes in financial performance (net profits, return on assets (ROA, return on equity (ROE, sales, assets turnover, and debt ratio of the supported firms four years after the end of intervention. The obtained findings could not support the hypothesis assuming a positive impact of the programme on the firm’s performance. On the contrary, supported companies reported on average lower sales and lower return on assets, when compared to the control group. The remaining variables could not prove any statistically significant impact of the programme. Indicators measuring firm’s profitability (net profit, return on assets, and return on equity suggested a negative influence of the programme and the variable representing debt ratio further indicated that firms that were supported by the programme reported on average higher debt ratio in comparison with the control group. Several policy implications are discussed in the study.
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Systemic Risk-Taking at Banks: Evidence from the Pricing of Syndicated Loans
D. Gong (Di); W.B. Wagner (Wolf)
2016-01-01
textabstractPublic guarantees extended during systemic crises can affect the relative pricing of risks in the financial system. Studying the market for syndicated loans, we find that banks require lower compensation for aggregate risk than for idiosyncratic risk, consistent with systemic risk-taking
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The Canadian Nuclear Safety Commission's financial guarantee requirements
International Nuclear Information System (INIS)
Ferch, R.
2006-01-01
The Nuclear Safety and Control Act gives the Canadian Nuclear Safety Commission (CNSC) the legal authority to require licensees to provide financial guarantees in order to meet the purposes of the Act. CNSC policy and guidance with regard to financial guarantees is outlined, and the current status of financial guarantee requirements as applied to various CNSC licensees is described. (author)
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Directory of Open Access Journals (Sweden)
Adela IONESCU
2014-05-01
Full Text Available A loan is probably the most important financial decision we make in life. In a time when lack of time affects us in every way, including financially, we can only appeal to specialists if we want fast, reliable and quality long-term services. „The notion of “creditor” includes all legal entities, branches of credit institution and nonbankingfinancial institutions that operate in Romania and grant or undertake to grant loans in itscommercial of professional activity”. In the case of loans, the "specialist" has been called loan broker. Loan broker is a person trained in intermediating bank loans who offers advice on choosing the best financial solutions for each client. Through partnerships with banks in Romania, the broker has access to their credit products and assist customers in choosing the loan that best suits their financial needs and possibilities. Moreover, the broker will help in preparing loan application to be submitted to the bank and pursue it to its completion. Loan broker can be defined as the person authorized by the bank or non-bank financial institutions to promote their products through direct contact with natural or legal persons wishing to contract a loan, without any of the parties to have exclusivity. There can be defined as an independent bank or non-bank financial institution, as an intermediary between customers and banks. Through its financial advisors , the company helps customers overcome the difficulty of understanding the credit products, difficulties arising from the multitude of factors that compose such a product, especially in the case of a housing loan or mortgage. Each financial institution is doing everything possible through such partnerships to attract the largest possible portfolio of clients, therefore is developing a real network of brokers to be partners for local or national level (depending on the sites coverage of the branches of each institution on one or more types of credit products. The
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2010-06-24
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health Service Act AGENCY... changes Section 723 of the Public Health Service Act (PHSA) regarding administration of the PCL program...
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48 CFR 932.304-2 - Certificate of eligibility.
2010-10-01
... CONTRACTING REQUIREMENTS CONTRACT FINANCING Loan Guarantees for Defense Production 932.304-2 Certificate of eligibility. (h) Guaranteed loan applications shall be authorized and transmitted to the Federal Reserve Bank only by the Secretary or designee specified for that purpose. ...
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Understanding consumer response to service guarantees
International Nuclear Information System (INIS)
Taylor, E.L.; Cole, J.M.
1999-01-01
Whether the goal is customer loyalty to a competitive energy service provider or customer satisfaction with monopoly distribution services, service guarantees must be seen as one way a company can communicate with its customers about the relationship it has (or wants) with them. In short, service guarantees must be evaluated as part of a company's overall brand management strategy. To do this, a conceptual framework within which to develop and link models of service delivery and brand management is needed. This means seeing both as examples of inference management. In this article the authors first interpret findings from their research on utility service guarantees in light of the model of service delivery proposed by Smith, Bolton, and Wagner. The authors then situate this model within their own model of utility brand management. The resulting approach can be used by a utility to evaluate whether and how to adopt service guarantees as part of its overall branding strategy
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Understanding consumer response to service guarantees
Energy Technology Data Exchange (ETDEWEB)
Taylor, E.L.; Cole, J.M.
1999-10-01
Whether the goal is customer loyalty to a competitive energy service provider or customer satisfaction with monopoly distribution services, service guarantees must be seen as one way a company can communicate with its customers about the relationship it has (or wants) with them. In short, service guarantees must be evaluated as part of a company's overall brand management strategy. To do this, a conceptual framework within which to develop and link models of service delivery and brand management is needed. This means seeing both as examples of inference management. In this article the authors first interpret findings from their research on utility service guarantees in light of the model of service delivery proposed by Smith, Bolton, and Wagner. The authors then situate this model within their own model of utility brand management. The resulting approach can be used by a utility to evaluate whether and how to adopt service guarantees as part of its overall branding strategy.
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Guarantees come to professional service firms.
Hart, C W; Schlesinger, L A; Maher, D
1992-01-01
Can lawyers, doctors, investment bankers, accountants, and consultants guarantee their work? Your money back if not absolutely delighted? Some professional service firms are doing exactly that, and they believe they are gaining not only satisfied customers but higher market share and improved service quality. The authors discuss the benefits and risks of unconditional and more limited guarantees. Firms that address this issue proactively now, they argue, will be less likely to rush into poorly considered guarantees later.
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77 FR 27798 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2012-05-11
... 4279-2) for the following: Applicant/Location: Tri Marine Samoa, Inc. Principal Product/Purpose: The loan, guarantee, or grant application will establish a new fresh and frozen fish processing facility... is responsible for the review and certification process. Comments should address the two bases for...
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General Accounting Office, Washington, DC. Div. of Human Resources.
This paper responds to a congressional request for more information concerning first, the potential cost savings from direct rather than guaranteed student loans and second, the ability of the Department of Education and postsecondary institutions to effectively manage a direct lending program. The report: (1) provides a more complete analysis of…
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Government guarantees and public debt in Croatia
Directory of Open Access Journals (Sweden)
Anto Bajo
2011-09-01
Full Text Available Government fi nancial and performance guarantees have been issued in Croatia since 1996, to support funding and ensure favourable borrowing conditions in the fi nancial market for companies in majority state ownership. However, government guarantees have rarely been part of defi ned strategies and goals of public debt and risk management. Despite their steady growth, the structure of active guarantees and their infl uence on Croatian public debt are still unknown. This paper analyses the amount and structure of state guarantees, their maturities and the authority and accountability for their management, and it compares the structure of guarantees in terms of economic sectors. The main objective of the paper is to determine the infl uence of government guarantees on the public debt growth.
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77 FR 31892 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2012-05-30
... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... States Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for...
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78 FR 37584 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2013-06-21
... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for the...
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77 FR 22612 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2012-04-16
... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... States Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for...
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77 FR 1955 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2012-01-12
... Product/Purpose: The loan, guarantee, or grant application is to finance building construction and to... Dakota. The NAICS industry code for this enterprise is: 311611 (beef produced in slaughtering plants... grants to finance industrial and business activities in rural areas. The Secretary of Labor must review...
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76 FR 32989 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2011-06-07
... real estate and construction of a new location of Buc-ee's (gas station and convenience store), which...: 447110 (gasoline stations with convenience stores). DATES: All interested parties may submit comments in... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities...
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7 CFR 1700.55 - Telecommunications Program.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...
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76 FR 72980 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2011-11-28
... certification process. Comments should address the two bases for certification and, if possible, provide data to... 4279-2) for the following: Applicant/Location: Jekyll Island Ocean Front Hotel Principal Product/Purpose: The loan, guarantee, or grant application is to construct a new full service hotel, which will be...
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76 FR 32989 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program
2011-06-07
.../Purpose: The loan, guarantee, or grant application is to obtain financing for infrastructure updates... will be located in Burlington, Iowa. The NAICS industry code for this enterprise is: 311812 (commercial..., Assistant Secretary for Employment and Training. [FR Doc. 2011-13937 Filed 6-6-11; 8:45 am] BILLING CODE...
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Marketing service guarantees for health care.
Levy, J S
1999-01-01
The author introduces the concept of service guarantees for application in health care and differentiates between explicit, implicit, and conditional vs. unconditional types of guarantees. An example of an unconditional guarantee of satisfaction is provided by the hospitality industry. Firms conveying an implicit guarantee are those with outstanding reputations for products such as luxury automobiles, or ultimate customer service, like Nordstrom. Federal Express and Domino's Pizza offer explicit guarantees of on-time delivery. Taking this concept into efforts to improve health care delivery involves a number of caveats. Customers invited to use exceptional service cards may use these to record either satisfaction or dissatisfaction. The cards need to provide enough specific information about issues so that "immediate action could be taken to improve processes." Front-line employees should be empowered to respond to complaints in a meaningful way to resolve the problem before the client leaves the premises.
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7 CFR 1700.54 - Electric Program.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Electric Program. 1700.54 Section 1700.54 Agriculture... GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.54 Electric Program. (a) Administrator: The... Administrator, Electric Program, has the authority to approve the following loans, loan guarantees, and lien...
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7 CFR 1710.115 - Final maturity.
2010-01-01
... Basic Policies § 1710.115 Final maturity. (a) RUS is authorized to make loans and loan guarantees with a... due, in part, to obsolescence. Operating loans to finance working capital required for the initial...
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24 CFR 1005.107 - What is eligible collateral?
2010-04-01
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false What is eligible collateral? 1005... URBAN DEVELOPMENT LOAN GUARANTEES FOR INDIAN HOUSING § 1005.107 What is eligible collateral? (a) In general. A loan guaranteed under section 184 may be secured by any collateral authorized under and not...
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7 CFR 1751.103 - Loan and loan advance requirements.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...
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24 CFR 232.565 - Maximum loan amount.
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...
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What Guarantees Should Society Offer Its Youth?
Brooks, Chris
2014-01-01
Criticising the concept of a "youth guarantee" as it was understood by the OECD in the 1990s and recently again by the European Community, the author argues that just more schooling and training will not help, let alone guarantee a future for disadvantaged, unemployed young people. Rather any policy that wants to help youth to become…
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13 CFR 123.408 - How does your business apply for a pre-disaster mitigation loan?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How does your business apply for a pre-disaster mitigation loan? 123.408 Section 123.408 Business Credit and Assistance SMALL BUSINESS... does not constitute an endorsement or technical approval of the project and is not a guarantee that the...
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International Nuclear Information System (INIS)
1974-01-01
The offer of the United States to loan Californium-252 sources to the IAEA was made by Dr. Glenn T. Seaborg, then chairman of the USAEC, in his opening statement at the 15th. General Conference of the IAEA held in Vienna in 1971. The purpose of this loan was to make neutron emitting sources available to universities in the Member States for use in educational programmes. The sources, in the form of small needles designed for medical use in radiation therapy, were judged highly suitable for didactic applications due to their small size, limited activity and well documented radiological parameters. Subsequently, in May 1973, the Director General announced the availability of the Californium sources to the Member States. To date, numerous sources have been loaned to universities in Czechoslovakia, Costa Rica, the Federal Republic of Germany, Ghana, India, Iran, Israel, Japan, South Africa, Switzerland, the United Kingdom and Uruguay; additional applications for loans are being processed. It is anticipated that the loan programme will be terminated in 1975 once all the available sources have been distributed. n order to provide guidance for the Member States on the safe exploitation of these sources, a prototype use and storage facility was designed by IAEA staff of the Dosimetry Section of the Division of Life Sciences, and constructed at the IAEA laboratory in Seibersdorf, Austria. Figures 2-5 illustrate some of the details of this container, which is being given to the Ghana Nuclear Centre in support of a training programme for students at the university in Accra. Further advice to users of these sources will be provided by the publication of an instructional syllabus, a laboratory manual for experiments and the safety precautions inherent in the proper handling of neutron emitting radionuclides, authored by Professors Erich J. Hall and Harald H. Rossi of Columbia University. The syllabus and manual will be published as part of the IAEA Technical Series in September
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International Nuclear Information System (INIS)
Hwang, Ui Cheol
1988-08-01
This book tells of introduction of quality guaranteed theory like definition of quality and quality management, quality guaranteed, requirement of quality guaranteed, contrast of QA and QC, quality of guaranteed object, activity of quality guaranteed, set-up of quality that is naturally supposed such as quality guaranteed in plan and design, check of quality guaranteed, order of claim processing and cases of claim management.
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2011-03-04
... Federal Loan Guarantee To Support Construction of Phase II of the Mid-Atlantic Power Pathway Transmission...) to support construction of Phase II of the Mid-Atlantic Power Pathway (MAPP) transmission line... 20585. Electronic submission of comments is encouraged due to processing time required for regular mail...
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7 CFR 1720.14 - Nature of guarantee; acceleration of guaranteed bonds.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Nature of guarantee; acceleration of guaranteed bonds. 1720.14 Section 1720.14 Agriculture Regulations of the Department of Agriculture (Continued) RURAL... TELEPHONE PURPOSES § 1720.14 Nature of guarantee; acceleration of guaranteed bonds. (a) Any guarantee...
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On the Guarantee of the Realization of the Right to Education
Directory of Open Access Journals (Sweden)
Elena A. Kashtanova
2017-05-01
Full Text Available The article reveals the issues of the essence and content of the guarantee of the realization of the right to education, the system of guarantees for the implementation of constitutional and legal principles and norms, including those that consolidate the system of rights and freedoms of human and citizen. The Author examines the functions of guarantee (stimulating, law enforcement and law enforcement, analyzes types of guarantees – guarantees related to the very right to education and quality of education.
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7 CFR 1436.9 - Loan amount and loan application approvals.
2010-01-01
... approving authority to be ineligible for loan. (c) The maximum total principal amount of the farm storage... facility; (ii) By a yield determined reasonable by the county committee; (iii) Multiply by two (for 2 years... first time. (e) When a storage structure has a larger capacity than the applicant's needed capacity, as...
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Does a loan to a bank qualify as a ’deposit’?
DEFF Research Database (Denmark)
Werlauff, Erik
2011-01-01
that deposits from provincial, regional, local and municipal authorities are included in the definition of deposit – provided that they fulfill the other requirements in the definition, i.e. that they come up to the definition “any credit balance which results from funds left in an account or from temporary...... from funds left in an account’. It finally concludes that it makes no difference when interpreting the definition ‘deposit’ in the sense of Article 1(1) of the Directive where the de-posits were made directly by the depositor/investor, or indirectly through an agent who had screened the market for bank......The article deals with the definition of ’deposit’ in Directive 94/19/EC, the Deposit Guarantee Directive, as amended by Directive 2009/14/EC. It is closer examined in the article to what extent a loan to a bank qualifis as a ’deposit’ in connection with the directive. The article concludes...
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An Electronic Commerce Strategy for MTMC’s Guaranteed Traffic Program
1992-10-01
AD-A264 299 SELECTE October 1992 S MAY1 4 1993U C An Electronic Commerce Strategy for MTMC’s Guaranteed Traffic Program MT901R I N1. Augustine...NUMBERS An Electronic Commerce Strategy for MTMC’s Guaranteed Traffic Program C MDA903-85-C -0139 M DA903-90-C-0006 PE 0902198D 6. AUTHOR(S) M...239-1L 299-01 LMI Executive Summary AN ELECTRONIC COMMERCE STRATEGY FOR MTMC’S GUARANTEED TRAFFIC PROGRAM In 1979, the Military Traffic Management
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13 CFR 107.1600 - SBA authority to issue and guarantee Trust Certificates.
2010-01-01
... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Funding... guarantee by SBA of such TC is limited to the principal and interest due on the Debentures or the Redemption... to arrange public or private fundings of Leverage. SBA in its discretion may arrange for public or...
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2010-01-01
... discrepancy between the amount claimed by the Holder(s) and the information submitted by the Lender must be..., FmHA or its successor agency under Public Law 103-354 will pay the Holder only the amounts due the... liquidation of the loan. FmHA or its successor agency under Public Law 103-354 will agree to pay an estimated...
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Implementation of a financial guarantee policy at the CNSC
International Nuclear Information System (INIS)
Barker, R.
2011-01-01
The Canadian Nuclear Safety Commission (CNSC) was established in 2000 under the Nuclear Safety and Control Act (NSCA) to replace the Atomic Energy Control Board (AECB). Prior to the coming in force of the NSCA, financial guarantees associated with licensed activities were not prescribed in the Atomic Energy Control Act or its regulations. Under the NSCA, the Commission Tribunal 'the Commission' was given authority to impose conditions in licences requiring financial guarantees from licensees. Other provisions of the NSCA provided information on the application of financial guarantees and for refunds when decommissioning obligations had been met. Since 2000, the application of financial guarantees has been primarily focussed on licences issued pursuant to the Class I Nuclear Facilities Regulations and the Uranium Mines and Mills Regulations. This was to assure that the requirements for financial guarantees were initially directed at the high risk, complex facilities licensed by the CNSC. However, all licensees have not yet been required to provide a financial guarantee for all licensed facilities, activities or licence types. Additionally, CNSC expectations in relation to when financial guarantees, associated decommissioning plans and cost estimates need to be reviewed, updated and submitted, and what they should entail have been evolving, indicating a need for a clear CNSC policy on the subject. Consequently, the CNSC is proceeding with the development of a financial guarantee policy and implementation plan to assure that generators of nuclear waste will have the financial resources available to decommission nuclear facilities, operations and devices and that this activity will not fall to government as a future liability. This program will require approval by the Commission, planned for 2012. This paper will further describe this policy and its possible outcomes. (author)
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2010-01-01
... International Trade Loans § 120.345 Policy. Section 7(a)(16) of the Act authorizes SBA to guarantee loans to small businesses that are: (a) Engaged or preparing to engage in international trade; or (b) Adversely...
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75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)
2010-08-30
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...
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75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction
2010-10-29
... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...
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Palmer, Stacy E.; Wilson, Robin
1987-01-01
Colleges and universities will be held directly responsible for loan repayments by their former students. Most postsecondary institutions with default rates of more than 20% are for-profit trade schools, community colleges, or historically Black colleges. (MLW)
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Directory of Open Access Journals (Sweden)
Xixiong Xu
2016-06-01
Full Text Available Based on signaling and gender discrimination theory, we examine whether chief financial officer (CFO gender matters to bank–firm relationships and the designing of collateral clauses in bank loan contracting, and explore the potential path of influence. Data taken from Chinese listed companies between 2009 and 2012 indicate that (1 female-CFO-led firms are less likely to obtain credit loans than male-CFO-led firms; (2 female-CFO-led borrowers are more likely to be required to provide collateral for loans than male-CFO-led borrowers; and (3 banks are more inclined to claim mortgaging collateral when lending to female-CFO-led firms and prefer to guarantee collateral when lending to male-CFO-led firms. Female-CFO-led borrowers seem to be granted more unfavorable loan terms than male-CFO-led borrowers, supporting the hypothesis that female CFOs experience credit discrimination. Further analysis reveals that regional financial development helps to alleviate lending discrimination against female CFOs. Furthermore, female CFOs in SOEs are less likely than their non-SOE counterparts to experience gender discrimination in the credit market.
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Institute of Scientific and Technical Information of China (English)
Xixiong; Xu; Yaoqin; Li; Mengmeng; Chang
2016-01-01
Based on signaling and gender discrimination theory, we examine whether chief financial officer(CFO) gender matters to bank–firm relationships and the designing of collateral clauses in bank loan contracting, and explore the potential path of influence. Data taken from Chinese listed companies between2009 and 2012 indicate that(1) female-CFO-led firms are less likely to obtain credit loans than male-CFO-led firms;(2) female-CFO-led borrowers are more likely to be required to provide collateral for loans than male-CFO-led borrowers; and(3) banks are more inclined to claim mortgaging collateral when lending to female-CFO-led firms and prefer to guarantee collateral when lending to male-CFO-led firms. Female-CFO-led borrowers seem to be granted more unfavorable loan terms than male-CFO-led borrowers, supporting the hypothesis that female CFOs experience credit discrimination. Further analysis reveals that regional financial development helps to alleviate lending discrimination against female CFOs. Furthermore, female CFOs in SOEs are less likely than their non-SOE counterparts to experience gender discrimination in the credit market.
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38 CFR 36.4520 - Delegation of authority.
2010-07-01
... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Delegation of authority. 36.4520 Section 36.4520 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED) LOAN GUARANTY Direct Loans § 36.4520 Delegation of authority. (a) Except as hereinafter provided...
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Enhancing Cooperative Loan Scheme Through Automated Loan ...
African Journals Online (AJOL)
2013-03-01
Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...
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76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)
2011-09-30
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...
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Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans
Gong, D.
2014-01-01
In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific
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Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.
Office of Federal Student Aid (ED), Washington, DC.
This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…
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76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC
2011-05-25
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...
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2010-01-01
... state regulation minimizes the risk and accomplishes the overall objectives of NCUA's member business... and enforce a member business loan regulation? 723.20 Section 723.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS MEMBER BUSINESS LOANS § 723.20 How can a state...
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Financial guarantee for decommissioning and nuclear waste management activities at OPG
International Nuclear Information System (INIS)
Van den Hengel, J.
2006-01-01
This paper provides an overview on the establishment and maintenance of a financial guarantee for decommissioning and nuclear waste management activities at Ontario Power Generation (OPG) in accordance with CNSC requirements. The process and timelines are documented leading to the establishment of the guarantee effective July 31, 2003. Reference plans, cost estimates, funding mechanisms and reporting mechanisms are summarized. The renewal process projected at the end of the 5-year initial financial guarantee period is also included. (author)
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12 CFR 998.3 - Reservation of authority.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Reservation of authority. 998.3 Section 998.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK DISCLOSURES REGISTRATION OF FEDERAL HOME LOAN BANK EQUITY SECURITIES § 998.3 Reservation of authority. The requirements of this part...
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2013-02-28
... Telecommunications Company Limited. Guarantor(s): N/A. Description of Items Being Exported: To finance the... EXPORT-IMPORT BANK [Public Notice 2013-0015] Application for Final Commitment for a Long-Term Loan... States. ACTION: Notice. SUMMARY: This Notice is to inform the public, in accordance with Section 3(c)(10...
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Some State Loan Agencies Say They May Stay on the Sidelines This Year
Kelderman, Eric
2008-01-01
Despite action by Congress and the Bush administration to shore up the student-loan industry, some state-authorized organizations say they may not return to the loan business this year, and others are cutting some of the borrower benefits and services they provide. Nine state loan agencies stopped issuing either new federally backed or new private…
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2010-10-01
... obligations from the cumulative funds authorized. (nn) Unrecovered indirect cost means the difference between... acquired. Other charges, such as the cost of installation, transportation, taxes, duty or protective in... assistance in the form of loans, loan guarantees, interest subsidies, or insurance; direct payments of any...
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2010-04-01
... the cumulative funds authorized. Unrecovered indirect cost means the difference between the amount... acquired. Other charges, such as the cost of installation, transportation, taxes, duty or protective in... in the form of loans, loan guarantees, interest subsidies, or insurance; direct payments of any kind...
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2012-11-23
... the transaction: To support the export of U.S. manufactured aircraft under operating lease from the... China. To the extent that Ex-Im Bank is reasonably aware, the item(s) being exported are not expected to... EXPORT-IMPORT BANK [Public Notice 2012-0543] Application for Final Commitment for a Long-Term Loan...
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"My Madam Is Fine": The Adaptation of English Loans in Chichewa.
Simango, Silvester Ron
2000-01-01
Presents evidence from English loans in Chichewa (Bantu), which shows that the recipient language is not a passive participant in the borrowing process: the borrowing language makes various modifications to the loan words to make them fit in the grammatical structure as well as cultural requirements of the recipient language. (Author/VWL)
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78 FR 54362 - Data Collection Available for Public Comments
2013-09-03
... U.S.C. 636(a)) authorizes SBA to guarantee loans made by banks or other financial institutions to...'s Lender Advantage programs (Small/Rural Lender Advantage and Community Advantage Pilot Loan Program... through the use of automated techniques or other forms of information technology; and (d) whether there...
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7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...
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49 CFR 260.27 - Additional information for loan guarantees.
2010-10-01
... history on that obligation; and (b) With respect to each existing Lender, Holder, or prospective Lender, a statement as to: (1) Full and correct name and principal business address; (2) Reference to applicable provisions of law and the charter or other governing instruments conferring authority to do business on the...
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Bosnian Draft of the law on the conversion of Swiss-francs loans: Critical review
Directory of Open Access Journals (Sweden)
Popović Igor
2016-01-01
Full Text Available Firstly, the author explains what motivated him to write this article, because Swiss-francs loans issue is very important for almost all Balkans states. After that, the essence of Swiss-francs loans is explained and what caused litigations relating to the nullity of these loans agreements. Courts are of the opinion that these agreements are legal and valid. They point out that currency clauses within these agreements are lawful and valid. Such courts' conclusion is a premise on which rests this article. The author emphasizes that subject of this article is not whether currency clauses regarding mentioned loans are lawful or not, but whether the Draft of the law on the conversion of Swiss-francs loans is constitutional and legitimate. The author explains the content of the mentioned Draft, especially the method of the intended conversion. Essence of the proposed conversion is as follows - conversion of Swiss-francs loans into the local currency (convertible mark at rates which had existed at the moment of the conclusion of an agreement. The author points to the vagueness of the Draft provisions and the possible problems that may arise in its application, if enacted. Next and main part of the article concerns the potential retroactive application of the Draft provisions. Draft covers all loans agreements, i.e. agreements which have ever been concluded, regardless of whether they are no longer in force. Thus, main effect of the Draft would be retroactive application of its provisions. Retroactivity undermines principle of legal certainty and to some extent principle of separation of powers, since courts have confirmed validity of the mentioned agreements. Draft, also, places all negative effects of rates exchange on creditors (banks, meaning that the question of proportionality could arise. Thus, the author argues that enactment of the Draft in proposed capacity would probably violate the principle of non-retroactive application of law and
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Federal Student Aid, US Department of Education, 2014
2014-01-01
For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…
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78 FR 46528 - Surety Bond Guarantee Program
2013-08-01
... 2013, Public Law 112-239, 126 Stat. 1632: (1) Increasing the contract amount for which SBA is... remedies under contract law, the Act, and the regulations in this part, SBA is relieved of liability in...), including the provisions that increase the contract amounts for which SBA is authorized to guarantee bonds...
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Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes
Norvilitis, Jill M.; Bat, Meghan J.
2016-01-01
Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…
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38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.
2010-07-01
... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan purposes, maximum loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...
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13 CFR 400.100 - Purpose and scope.
2010-01-01
... authorities and organizational structure, the means and rules by which the Board takes actions, and procedures... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Purpose and scope. 400.100 Section 400.100 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE...
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77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making
2012-08-27
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...
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The Banking Counter-Guarantee. Juridical Regime
Directory of Open Access Journals (Sweden)
Postolache Rada
2009-06-01
Full Text Available Not so much studied by the specialised literature, the banking counter-guarantee may beconfounded with the other types of guarantee which frequently go with the guaranteed obligation –simple guarantee, collateral guarantee, the confirmation of the guarantee. The counter-guarantee may bean independent or accessory obligation, as the case may be, exclusively governed by its text, accordingto the parties’ will. At the same time, it is a complex juridical act, a contract whose contents cannot beset apart from the contracts connected form an “economic” point of view. The counter-guarantee is theresult of the banking practice and is generated by the need to make amends for the flaws generated bythe direct guarantee. The present research is focused on the analysis of the banking practice, normativeacts, jurisprudence and banking juridical literature.
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International Nuclear Information System (INIS)
Anon.
1990-01-01
When NUEXCO was organized in 1968, its founders conceived of a business based on uranium loans. The concept was relatively straightforward; those who found themselves with excess supplies of uranium would deposit those excesses in NUEXCO's open-quotes bank,close quotes and those who found themselves temporarily short of uranium could borrow from the bank. The borrower would pay interest based on the quantity of uranium borrowed and the duration of the loan, and the bank would collect the interest, deduct its service fee for arranging the loan, and pay the balance to those whose deposits were borrowed. In fact, the original plan was to call the firm Nuclear Bank Corporation, until it was discovered that using the word open-quotes Bankclose quotes in the name would subject the firm to various US banking regulations. Thus, Nuclear Bank Corporation became Nuclear Exchange Corporation, which was later shortened to NUEXCO. Neither the nuclear fuel market nor NUEXCO's business developed quite as its founders had anticipated. From almost the very beginning, the brokerage of uranium purchases and sales became a more significant activity for NUEXCO than arranging uranium loans. Nevertheless, loan transactions have played an important role in the international nuclear fuel market, requiring the development of special knowledge and commercial techniques
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5 CFR 1655.14 - Loan payments.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...
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7 CFR 1735.22 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...
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2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Authority. 235.1200 Section 235... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE... § 235.1200 Authority. In accordance with the authority contained in section 235(r) of the National...
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76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures
2011-02-07
... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...
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2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...
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7 CFR 764.401 - Loan decision.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...
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75 FR 7231 - Submission for OMB Review; Comment Request
2010-02-18
... bolstering the existing private credit structure through the guaranteeing of quality loans made by lending...;and investigations, committee meetings, agency decisions and rulings, #0;delegations of authority...
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78 FR 70915 - Information Collection Activity; Comment Request
2013-11-27
... loan security is not adversely affected; and the loan and loan guarantee funds are used effectively and..., in order to assure that loans made or guaranteed by the Agency are adequately secured, the Agency, as...
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2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Defaults. 2201.33 Section 2201.33 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.33 Defaults. (a) In determining...
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Vasile NEME
2012-01-01
The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...
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38 CFR 36.4225 - Authority to close manufactured home loans on the automatic basis.
2010-07-01
... involving major discrepancies which are discovered under the system must be reported to VA. (iii) System... nonsupervised lenders of the class described in paragraph 3702(d)(3) of title 38 U.S. Code shall pay fees as... participating in VA's Loan Guaranty Program shall pay fees as follows: (1) $100 fee for each agent approval; and...
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Certain aspects of the accounting of the bank guarantee at the principal and the beneficiary
Directory of Open Access Journals (Sweden)
L. A. Zimakova
2016-01-01
Full Text Available For any kind of business such category as risks is peculiar. The research of this category was conducted by scientists from the different sides, certain approaches of protection against risks were developed and instruments of decrease in financial risks are offered. The bank guarantee is one of the most demanded instruments of additional financial protection today. Its active using of the commercial organizations courses questions of the organization of the detailed accounting of guarantees at the principal and the beneficiary. A little concerning the historical aspect of the bank guarantee, authors provided the overview of the determinations of "bank guarantee" characterizing it as the banking service providing distribution of responsibility between the guarantor and the principal under certain conditions. Having considered the essence of the legal nature and features of the bank guarantee recommendations about the organization of the disaggregated financial accounting on off-balance accounts were developed. In particular, need of allocation of a currency type as the directions of conducting the analytics providing correctness of reflection of cost criterion is proved. For the purpose of control of timeliness of carrying out calculations it is recommended to allocate guarantees: coincident and in coincident with primary obligation; short-term and long-term. From the point of view of nature of guarantees payment guarantees and guarantees of obligation fulfilment were allocated. These recommendations concern the beneficiary, and lack of accounting entries at a principal generates need of creation of additional registers and analytical reports which forms were offered by authors. The provided recommendations will allow obtaining transparent information on bank guarantees for the purpose of its full disclosure in the financial reporting.
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de Klerk, Ton
2008-03-01
exchange between both parties respectively on disability for MFIs and the characteristics of microfinance for programmes for PWDs. Other programmes experiment with special credit lines or guarantee funds, placed at the disposal of MFls and earmarked for loan disbursement for PWDs, to facilitate their inclusion. Another reason for non-inclusion is the vulnerability of many PWDs. Many of them have no prior business experience, while many MFIs only provide loans to clients with an existing business. Vocational and/or business training and raising of their self-confidence, to be assured by a programme for PWDs, is often required prior to setting-up of a self-employment activity and taking a loan. If not prepared to run a 'business' successfully, taking a loan will present a too great a risk for themselves, getting indebted, and for the MFI. 'Start-up' grants for business-starters and revolving funds managed by PWD programmes, are other approaches practised by PWD programmes, of which the pros and cons are discussed in the study. A major weakness of many MFIs is that they do not reach the most vulnerable clients, including many of the PWDs, and their weak presence in rural areas especially in Africa. MFls have to look for innovative approaches to deepen their outreach. The self-help group approach in India, starting with the clients' own savings from which loans can be disbursed to the group members while linking the well-performing groups to banks for access to bank loans, is such a new approach. It is practised by The Leprosy Mission Trust in India. In Africa, some international NGOs started with similar 'community based saving and lending groups'.
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Understanding Loan Aversion in Education
Directory of Open Access Journals (Sweden)
Angela Boatman
2017-01-01
Full Text Available Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using survey data collected on more than 6,000 individuals, we examine the frequency of loan aversion in three distinct populations. Depending on the measure, between 20 and 40% of high school seniors exhibit loan aversion with lower rates among community college students and adults not in college. Women are less likely to express loan-averse attitudes than men, and Hispanic respondents are more likely to be loan averse than White respondents.
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2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...
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2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Fees. 2201.21 Section 2201.21 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.21 Fees. (a) Application Fee. The...
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2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a...
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Entrance Counseling Guide for Direct Loan Borrowers
Federal Student Aid, US Department of Education, 2010
2010-01-01
This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…
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Philippines: Population: USAID loan.
The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.
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7 CFR 1980.370 - Loan servicing.
2010-01-01
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...
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76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date
2011-07-19
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...
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7 CFR 1610.4 - Loan applications.
2010-01-01
... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available from...
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2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...
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2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...
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2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...
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2012-11-09
... Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY... administration of the Veterinary Medicine Loan Repayment Program (VMLRP) authorized under section 1415A of the... agreement, veterinary services in veterinarian shortage situations. As part of the stakeholder input process...
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7 CFR 3560.61 - Loan security.
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...
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2012-11-01
..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...
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2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...
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2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...
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7 CFR 770.5 - Loan limitations.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...
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12 CFR 956.5 - Authorization for derivative contracts and other transactions.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Authorization for derivative contracts and other transactions. 956.5 Section 956.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS FEDERAL HOME LOAN BANK INVESTMENTS § 956.5 Authorization...
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Methodical approaches to assessment of quality of the bank loan portfolio
Directory of Open Access Journals (Sweden)
Tysyachna Yunna S.
2014-01-01
Full Text Available The goal of the article lies in the study of basic methodical approaches to assessment of the quality of the bank loan portfolio, identification of specific features of their practical application and justification of selection of the most appropriate for the modern economic conditions. The article considers three main groups of methods of assessment of the quality of the bank loan portfolio: expert evaluation methods and statistical and analytical methods. It goes without saying that in order to obtain an objective assessment of quality of the bank loan portfolio it is necessary to apply a complex approach, however, due to some advantages and shortcomings of the studied methods, the author marks expediency of building an integral indicator, taxonomic in particular, in order to obtain a complex, objective and efficient assessment of the bank loan portfolio. Prospects of further studies in this direction are assessment of the quality of the loan portfolio of the first group banks by the size of their assets through building integral taxonomic indicators and identification, on this basis, of factors that influence the quality of the loan portfolio with the aim of improvement of the mechanism of management of the bank lending activity.
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7 CFR 1718.103 - Loan contract provisions.
2010-01-01
... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...
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2010-01-01
... Basic Policies § 1710.100 General. RUS makes loans and loan guarantees to finance the construction of..., RUS may finance selected operating expenses of its borrowers. Loans made or guaranteed by the...
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13 CFR 120.1800 - Definitions used in subpart K.
2010-01-01
.... Small Business Administration. (b) Authority. The Secondary Market Lending Authority defined herein. (c) Certificate. The document the FTA issues representing a beneficial fractional interest in a Pool (Pool... (Individual Certificate). (d) Collateral (or Collateral for a SISMBD Loan). All Guaranteed Portions and...
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PRICING AND ASSESSING UNIT-LINKED INSURANCE CONTRACTS WITH INVESTMENT GUARANTEES
Directory of Open Access Journals (Sweden)
Ciumas Cristina
2014-07-01
policyholder and involve no investment risk for the insurer. Although the Romanian legislation authorizes the Romanian insurers to offer unit-linked contracts without investment guarantees, this research provides a proposal of a theoretical and empirical basis for pricing the unit-linked insurance contracts with incorporated investment guarantees.
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2011-06-30
... be interpreted as accounting terms. Definitions will be added if experience under the new statutory... guaranteed portions of principal outstanding on Federal government-guaranteed loans in accrual status made by...) The guaranteed portions of principal outstanding on State government-guaranteed loans in accrual...
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Directory of Open Access Journals (Sweden)
Sri Budi Purwaningsih
2014-06-01
Full Text Available The extension of credit contain a risk that must be covered by the bank, because the credit is given now and pay later. To minimize the risk of loans, the bank will ask the debtor to provide collateral as a source of repayment of the debt if the debtor default or breach of the contract. According to Article 1131 Civil Code (KUH Perdata, all assets of a debtor, either moving or fixed objects, both existing and new will exist in the future, a guarantee for all debts of the engagement. This means that by itself or in order to pass laws providing collateral by a debtor to any creditor for all debtor's property. Sales with Privately Made Deed over the object in the hak tanggungan banking practices may be more effective and efficient both in terms of time and costs for the settlement of non-performing loans. But in practice, occurs some offense prescribed procedure leading to doubts about the legality aspect of sales with privately made deed over the object under hak tanggungan based on the authorization to sell in banking practice. How To Cite: Purwaningsih, S. (2014. Sales with Privately Made Deed Over The Object Under Hak Tanggungan Based on The Authorization to Sell in Banking Practice. Rechtsidee, 1(2, 191-204. doi:http://dx.doi.org/10.21070/jihr.v1i2.100
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National Archives and Records Administration, 2014
2014-01-01
The purpose of this regulatory action is to amend the regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program (§ 685.200 of title 34 of the Code of Federal Regulations (CFR)). These regulations strengthen and improve administration of the Federal Direct PLUS Loan Program authorized under title IV of the Higher Education…
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7 CFR 1717.656 - Exemption of certain borrowers from controls.
2010-01-01
... of the government with respect to loan security and/or repayment. (Such borrower is eligible to ask... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS Investments, Loans, and Guarantees by Electric Borrowers § 1717.656 Exemption of...
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7 CFR 1720.9 - Guarantee Agreement.
2010-01-01
... bonds. (b) The guaranteed bonds shall refer to the guarantee agreement as controlling the terms of the... the holder of the guaranteed bonds; (11) Claim procedures; (12) What constitutes a failure by the...
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7 CFR 1980.481 - Insured loans.
2010-01-01
... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...
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African Journals Online (AJOL)
Muriithi, DK. Vol 14, No 1 (2012) - Articles Ordinal logistic regression versus multiple binary logistic regression model for predicting student loan allocation. Abstract. ISSN: 1561-7645. AJOL African Journals Online. HOW TO USE AJOL... for Researchers · for Librarians · for Authors · FAQ's · More about AJOL · AJOL's ...
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Corporate boards and bank loan contracting
Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang
2012-01-01
We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...
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2010-01-01
... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...
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77 FR 59346 - Payday-Alternative Loans
2012-09-27
... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...
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7 CFR 1822.274 - Loan closing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...
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7 CFR 1717.653 - Borrowers in default.
2010-01-01
..., to be in the financial interest of the government with respect to loan security and/or repayment. If... AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS Investments, Loans, and Guarantees by Electric Borrowers § 1717.653 Borrowers in default. Any borrower not in...
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2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737. ...
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44 CFR 206.371 - Loan program.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...
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44 CFR 206.361 - Loan program.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...
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5 CFR 1655.12 - Loan agreement.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...
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7 CFR 1434.18 - Loan repayments.
2010-01-01
... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...
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25 CFR 166.223 - Can I use a permit as collateral for a loan?
2010-04-01
... 25 Indians 1 2010-04-01 2010-04-01 false Can I use a permit as collateral for a loan? 166.223... PERMITS Permit Requirements Permit (leasehold) Mortgage § 166.223 Can I use a permit as collateral for a loan? We may approve a permit containing a provision that authorizes the permittee to encumber the...
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Do Job Security Guarantees Work?
Alex Bryson; Lorenzo Cappellari; Claudio Lucifora
2004-01-01
We investigate the effect of employer job security guarantees on employee perceptions of job security. Using linked employer-employee data from the 1998 British Workplace Employee Relations Survey, we find job security guarantees reduce employee perceptions of job insecurity. This finding is robust to endogenous selection of job security guarantees by employers engaging in organisational change and workforce reductions. Furthermore, there is no evidence that increased job security through job...
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A new Loan-Stock Financial Instrument
Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri
2000-01-01
A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...
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2010-07-07
..., or Direct Loan Program, excluding PLUS loans made under the FFEL and Direct Loan Programs to parents... that repaid a parent PLUS loan. Employee means an individual who, under Federal tax law, is considered... Internal Revenue Code. Involuntary separation due to misconduct means termination from [[Page 39001...
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5 CFR 1620.35 - Loan payments.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...
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7 CFR 2201.31 - Indemnification.
2010-01-01
... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.31 Indemnification. (a) The United States may be indemnified by any Affiliate of a Borrower designated in the Loan Documents for any... Affiliates; (2) Any breach by the Borrower or any of its Affiliates of their obligations under the Loan...
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31 CFR 25.404 - Non-separability.
2010-07-01
... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25.404 Non-separability. (a) The Guaranty shall cease to be effective with respect to any Guaranteed Loan...
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7 CFR 771.15 - Loan servicing.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...
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2010-01-01
... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...
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76 FR 18366 - Federal Home Loan Bank Liabilities
2011-04-04
... attachment for Book-entry consolidated obligations. 1270.19 Reference to certain Department of Treasury... authorized Federal Home Loan Bank (Bank) liabilities and book-entry procedures for COs, as new part 1270 of... Agency and Recent Legislation Effective July 30, 2008, the Housing and Economic Recovery Act of 2008...
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DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA
Directory of Open Access Journals (Sweden)
Akwaa-Sekyi, Ellis Kofi
2015-05-01
Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.
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7 CFR 1776.16 - Loan servicing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...
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7 CFR 1927.56 - Scheduling loan closing.
2010-01-01
... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.56 Scheduling loan closing. The agency, in coordination with the closing agent, will arrange a loan closing and send loan closing instructions, on an agency form to the closing agent when the agency determines that the...
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7 CFR 1427.170 - Quantity for loan.
2010-01-01
... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...
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12 CFR 926.2 - Bank authority to make advances to housing associates.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank authority to make advances to housing associates. 926.2 Section 926.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.2 Bank authority to make...
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29 CFR 4022.3 - Guaranteed benefits.
2010-07-01
... 29 Labor 9 2010-07-01 2010-07-01 false Guaranteed benefits. 4022.3 Section 4022.3 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION COVERAGE AND BENEFITS BENEFITS PAYABLE IN TERMINATED SINGLE-EMPLOYER PLANS General Provisions; Guaranteed Benefits § 4022.3 Guaranteed...
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GUARANTEES OF THE RIGHT TO A FAIR CIVIL TRIAL
Directory of Open Access Journals (Sweden)
Diana-Loredana Jalbă
2015-11-01
Full Text Available In order to ensure the effective protection of human rights and provide for more than theoretical and illusory substantive rights, the need to define the right to a fair trial is emerging, along with the necessity that litigants become aware of the guarantees established by article 6 of the European Convention on Human Rights. Thus, the article aims to approach the ample issue regarding the litigants’ right to a fair civil trial in light of current legal regulations, and in particular, in light of the jurisprudence of the European Court of Human Rights. Given the fact that the right to a fair civil trial involves establishing, throughout the trial, a set of rules of procedure aimed at creating a balance between the parties in the process - the so-called guarantees of a fair trial - in her scientific pursuits, the author analyzes both explicit and implicit guarantees of fair trial, highlighting relevant European standards as well as their degree of implementation in the national (procedural law.
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7 CFR 1735.46 - Loan security documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...
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Guide to Direct Consolidation Loans.
Department of Education, Washington, DC.
Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…
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76 FR 66270 - Information Collection Activity; Comment Request
2011-10-26
... procurement procedures helps assure RUS that appropriate standards and specification are maintained; RUS' loan security is not adversely affected; and the loan and loan guarantee funds are used effectively and for the....C. 901 et seq. (RE Act), and, in order to assure that loans made or guaranteed by RUS are adequately...
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Credit reporting, relationship banking, and loan repayment
Directory of Open Access Journals (Sweden)
Tahereh Shirzad Kebria
2015-06-01
Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.
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The observable defects and the proper functioning guarantee in trading
Directory of Open Access Journals (Sweden)
Jorge Oviedo Albán
2014-12-01
Full Text Available This paper discusses two legal mechanisms for buyer´s protection contained in the Colombian Commercial Code, parallel to building regulations, because of hidden defects in the sale, which are: guarantee by observable defects at delivery and guarantee for proper functioning. The author analyzes the poor way such actions are enshrined in the Code as a consequence of a fragmented and dispersed regime for defective compliance actions in the laws of Private Law. This paper proposes a reinterpretation of such actions from the perspective of the lack of conformity that is based on a unified system of remedies for breach, concepts embodied in modern instruments of contract law.
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75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC
2010-05-18
... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...
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20 CFR 404.230 - Guaranteed alternative.
2010-04-01
... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Guaranteed alternative. 404.230 Section 404... INSURANCE (1950- ) Computing Primary Insurance Amounts Guaranteed Alternative for People Reaching Age 62 After 1978 But Before 1984 § 404.230 Guaranteed alternative. (a) General. If you reach age 62 after 1978...
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24 CFR 200.25 - Supplemental loans.
2010-04-01
... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...
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42 CFR 417.930 - Initial costs of operation.
2010-10-01
... 42 Public Health 3 2010-10-01 2010-10-01 false Initial costs of operation. 417.930 Section 417.930... PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.930 Initial costs of operation. Under section 1305 of the PHS, loans and loan guarantees were awarded for initial costs of operation of...
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7 CFR 1738.31 - Full faith and credit.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...
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7 CFR 1777.42 - Delegation of authority.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Delegation of authority. 1777.42 Section 1777.42... AGRICULTURE (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.42 Delegation of authority. The State Program... redelegate any such authority to appropriate Agency employees. ...
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12 CFR 965.2 - Authorized liabilities.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Authorized liabilities. 965.2 Section 965.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK LIABILITIES SOURCE OF FUNDS § 965.2 Authorized liabilities. As a source of funds for business operations, each Bank is authorized to...
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Private Loans: Facts and Trends
Institute for College Access & Success, 2014
2014-01-01
Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…
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Actual versus predicted impacts of three ethanol plants on aquatic and terrestrial resources
International Nuclear Information System (INIS)
Eddlemon, G.K.; Webb, J.W.; Hunsaker, D.B. Jr.; Miller, R.L.
1993-01-01
To help reduce US dependence on imported petroleum, Congress passed the Energy Security Act of 1980 (public Law 96-294). This legislation authorized the US Department of Energy (DOE) to promote expansion of the fuel alcohol industry through, among other measures, its Alcohol Fuels Loan Guarantee Program. Under this program, selected proposals for the conversion of plant biomass into fuel-grade ethanol would be granted loan guarantees. of 57 applications submitted for loan guarantees to build and operate ethanol fuel projects under this program, 11 were considered by DOE to have the greatest potential for satisfying DOE's requirements and goals. In accordance with the National Environmental Policy Act (NEPA), DOE evaluated the potential impacts of proceeding with the Loan Guarantee Program in a programmatic environmental assessment (DOE 1981) that resulted in a finding of no significant impact (FANCY) (47 Federal Register 34, p. 7483). The following year, DOE conducted site-specific environmental assessments (EAs) for 10 of the proposed projects. These F-As predicted no significant environmental impacts from these projects. Eventually, three ethanol fuel projects received loan guarantees and were actually built: the Tennol Energy Company (Tennol; DOE 1982a) facility near Jasper in southeastern Tennessee; the Agrifuels Refining Corporation (Agrifuels; DOE 1985) facility near New Liberia in southern Louisiana; and the New Energy Company of Indiana (NECI; DOE 1982b) facility in South Bend, Indiana. As part of a larger retrospective examination of a wide range of environmental effects of ethanol fuel plants, we compared the actual effects of the three completed plants on aquatic and terrestrial resources with the effects predicted in the NEPA EAs several years earlier. A secondary purpose was to determine: Why were there differences, if any, between actual effects and predictions? How can assessments be improved and impacts reduced?
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7 CFR 1980.413 - Transactions which will not be guaranteed.
2010-01-01
... OF AGRICULTURE (CONTINUED) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan...) requested plus the outstanding balance of any existing B&I loan(s) is in excess of $10 million. (b...
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2010-07-01
... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Authority. 312.1 Section 312.1 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT... UNIONS AS FISCAL AGENTS OF THE UNITED STATES § 312.1 Authority. (a) Home Owners' Loan Act. Section 5(k...
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Atabay, Efe; Moreno, Gonzalo; Nandi, Arijit; Kranz, Gabriella; Vincent, Ilona; Assi, Tina-Marie; Winfrey, Elise Marie Vaughan; Earle, Alison; Raub, Amy; Heymann, S Jody
2015-02-01
Mothers who work away from home tend to stop breastfeeding earlier than their nonworking counterparts due to workplace barriers. Barriers to breastfeeding discriminate against women and may lead to inequities in children's health outcomes. Guaranteeing paid breastfeeding breaks at work is 1 mechanism that can improve mothers' opportunity to breastfeed in the workplace. This study aimed to assess the trends in the share of countries guaranteeing breastfeeding breaks in the workplace and paid maternal leave that lasts until the infant is 6 months old (the World Health Organization recommended duration for exclusive breastfeeding), between 1995 and 2014. Legislation and secondary source data were collected and reviewed for 193 United Nations member states. Legislation was analyzed for content on breastfeeding breaks and maternal leave guarantees. Fifty-one countries (26.7%) in 2014 did not guarantee breastfeeding breaks in any form and 4 countries provided only unpaid breaks or breaks that did not cover the first 6 months of life; since 1995, around 15 countries (10.2%) legislated for such a policy. In 2014, out of 55 countries that did not guarantee paid breastfeeding breaks for the first 6 months after birth, 7 countries guaranteed paid maternal leave for the same duration; 48 countries (25.1%) provided neither paid maternal leave nor paid breastfeeding breaks. Progress in the number of countries guaranteeing breastfeeding breaks at work is modest. Adopting measures to facilitate breastfeeding at work can be a critical opportunity for countries to increase breastfeeding rates among the growing number of women in the labor force. © The Author(s) 2014.
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2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The maximum loan amount will be 100 percent of the allowable total development costs of on-farm labor housing and...
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7 CFR 4280.26 - Administration and operation of the Revolving Loan Fund.
2010-01-01
... GRANTS Rural Economic Development Loan and Grant Programs § 4280.26 Administration and operation of the... Intermediary must permanently retain all Project review, approval, and monitoring authority and responsibility. This authority and responsibility cannot be delegated to any other person or entity. (b) Up to 10...
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2012-05-31
...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...
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75 FR 14331 - Disaster Assistance Loan Program
2010-03-25
... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...
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12 CFR 561.30 - Nonresidential construction loan.
2010-01-01
... REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 561.30 Nonresidential construction loan. The term nonresidential construction loan means a loan for construction of other than one or more dwelling units. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nonresidential construction loan. 561.30...
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78 FR 36029 - CDFI Bond Guarantee Program
2013-06-14
... the extent a Secondary Loan is financed on a corporate finance basis (i.e., through a Credit... Issue. Bonds will be used to finance Bond Loans to Eligible CDFIs for Eligible Purposes for a period not... financial strength, stability, durability and liquidity as reflected in its corporate credit ratings and...
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Gender and banking : Are women better loan officers?
Beck, T.H.L.; Behr, P.; Guttler, A.
2013-01-01
Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers’ performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by
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HUD PowerSaver Pilot Loan Program
Energy Technology Data Exchange (ETDEWEB)
Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)
2010-12-10
The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.
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The Borrower's Guide to Financing Solar Energy Systems - A Federal Overview
Energy Technology Data Exchange (ETDEWEB)
Eiffert, P.
1999-03-30
This booklet describes authorized lending programs and loan guarantees provided by Fannie Mae, Freddie Mac and several Federal agencies, including DOE, that consumers and businesses can use to finance solar heat or electric systems and energy efficient mortgages.
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12 CFR 614.4910 - Basic authorities.
2010-01-01
... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Secondary Market Authorities § 614.4910 Basic authorities. (a) Any bank or association of the Farm Credit System... the Act. (b) Any bank or association of the Farm Credit System, except a bank for cooperatives, may...
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(Case Study: Management of Loans by Private Banks
Directory of Open Access Journals (Sweden)
Farsijani Farsijani
2013-07-01
Full Text Available The importance of the right choice of investment projects is very clear in our own country so that if the correct method based on pattern and scientific criteria for assessing specific plans and measures suitable for budgeting and resource allocation and planning had already seen half the work, or stay and become many non-economic plans. Private sector profitability condition as the criterion of governmental authorities saw the necessity of other factors including political considerations and design. Investment banks and commercial evaluation of projects in one hand and plan to be profitable categories on the other hand should develop programs and projects coordinated macro country. In this study, using the experiences of Iranian experts in providing loans to customers, a model was provided to be an expert system. The expert system presented in this study based on quantitative and qualitative factors considered in the evaluation process, experts from the banking loan requests is a private bank. To provide the expert system, the Bank study documents and research in the world and using interviews and questionnaires framework decision proposed expert system evaluation criteria for acceptance or rejection of requests bank customers are offered loans.
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7 CFR 1737.60 - Telephone loan budget.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Telephone loan budget. 1737.60 Section 1737.60... Cost Estimation Procedures § 1737.60 Telephone loan budget. (a) RUS shall prepare a “Telephone Loan Budget” (RUS Form 493) showing all costs for the proposed project and the amount of loan and nonloan...
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Bank Consolidation and Consumer Loan Interest Rates
Charles Kahn; George Pennacchi; Ben Sopranzetti
2001-01-01
The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...
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24 CFR 201.40 - Post-disbursement loan requirements.
2010-04-01
...-disbursement loan requirements. (a) Discovery of misstatements of fact. If, after a loan has been made, the lender discovers any material misstatement of fact or that the loan proceeds have been misused by the... insurance of the loan shall not be affected unless such material misstatement of fact or misuse of loan...
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7 CFR 1610.5 - Minimum Bank loan.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...
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Economic Loan Loss Provision and Expected Loss
Directory of Open Access Journals (Sweden)
Stefan Hlawatsch
2010-10-01
Full Text Available The intention of a loan loss provision is the anticipation of the loan's expected losses by adjusting the book value of the loan. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and, in the case of a difference, liable equity has to be adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS. Therefore, differences between loan loss provisions and expected losses should only result from different approaches regarding the parameter estimation within each model and not due to different assumptions regarding the outcome of the model. The provisioning and accounting model developed in this paper overcomes the before-mentioned shortcomings and is consistent with an economic rationale of expected losses. Additionally, this model is based on a close-to-market valuation of the loan that is in favor of the basic idea of IFRS. Suggestions for changes in current accounting and capital requirement rules are provided.
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7 CFR 1710.151 - Required findings for all loans.
2010-01-01
.... Adequate electric service will be made available to the widest practical number of rural users in the... financial and managerial controls will be included in loan documents. See § 1710.113. (d) Interim financing... laws; the rules and policies of the state authority; precedents in other similar cases; statements made...
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Gender and Banking: Are Women Better Loan Officers?
Thorsten Beck; Patrick Behr; Andre Guettler
2013-01-01
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or exp...
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7 CFR 1436.8 - Security for loan.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Security for loan. 1436.8 Section 1436.8 Agriculture... Security for loan. (a) Except as agreed to by CCC, all loans must be secured by a promissory note and... prior lien holders. (2) A loan will be considered to be adequately secured when the real estate security...
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7 CFR 771.14 - Loan monitoring.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...
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Interlibrary Loan Communications Subsystem: Users Manual.
OCLC Online Computer Library Center, Inc., Dublin, OH.
The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…
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Race and Subprime Loan Pricing
Hernandez, Ruben; Owyang, Michael; Ghent, Andra
2011-01-01
In this paper we investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood-level data on racial and ethnic characteristics for metropolitan areas in California and Florida. Using a model of rate determination that accounts for predicted loan performance, we evaluate the presence of disparate impact and dispar...
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31 CFR 538.208 - Prohibited grant or extension of credits or loans to the Government of Sudan.
2010-07-01
... loans to the Government of Sudan. Except as otherwise authorized, the grant or extension of credits or... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Prohibited grant or extension of credits or loans to the Government of Sudan. 538.208 Section 538.208 Money and Finance: Treasury...
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7 CFR 1744.63 - The telephone loan budget.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false The telephone loan budget. 1744.63 Section 1744.63... Disbursement of Funds § 1744.63 The telephone loan budget. When the loan is made, RUS provides the borrower a Telephone Loan Budget, RUS Form 493. This budget divides the loan into budget accounts such as “Engineering...
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The determinants of loan contracts to business firms
Pham, Thi Thu Trà; Lensink, Robert
2006-01-01
This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan contract terms. Also, we try to determine which firm characteristics and exogenous factors are rele...
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2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...
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29 CFR 4043.67 - Loan default.
2010-07-01
... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...
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7 CFR 761.8 - Loan Limitations.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...
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7 CFR 1951.885 - Loan classifications.
2010-01-01
... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...
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7 CFR 1435.104 - Loan maintenance.
2010-01-01
... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...
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2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...
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Federal Student Loan Amounts and Terms for Loans Issued in 2016-17
Project on Student Debt, 2016
2016-01-01
U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…
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Covenant Violations and Dynamic Loan Contracting
DEFF Research Database (Denmark)
Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony
2017-01-01
This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject...... potentially other explanations such as firm characteristics or agency problems between the lender and firm management, shareholders or public debtholders. After covenant violations in the prior contract, new loans have on average 18 bps higher spreads and include more of those covenant types which also have...
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Procedures for EPA Libraries to Obtain Materials through Interlibrary Loan/Document Delivery
The purpose of this document is to establish Agency-wide procedures by which EPA libraries obtain materials for Agency employees and authorized EPA contractors through interlibrary loan (ILL) and other document delivery methods.
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Evaluation Of Loan Disbursement And Repayment Of Supervised ...
African Journals Online (AJOL)
Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.
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Directory of Open Access Journals (Sweden)
Chamov Aleksey Nikolaevich
2016-04-01
Full Text Available In the article the author considers a problem of an optimal way of borrowing during the pre-crisis period (deciding between ruble and foreign currency borrowings. It is obvious that during the period of stable economic growth, when currency pair rate (for example, ruble - USA dollar doesn't change significntly, the lower interest rate of foreign currency loans makes them a cheaper way of borrowing. But during a crisis an abrupt growth of currency pair rate can make foreign currency loan a more expensive way of borrowing (as compared to ruble loan. The author suggests a scenario-based method of decision making about an optimal way of borrowing during a pre-crisis period, which affords to calculate a threshold meaning of currency pair rate, after which a foreign currency loan becomes more expensive. Application of the method is illustrated on the example of a situation in a telecommunication sector in Russian Federation during currency crisis of 2014. A detailed analysis if the situation in the sector in the last pre-crisis year (2013 is provided. Structures of debt burdens of the leading companies (Vimpelcom, MTS and Megafon are considered. Percent shares of currency loans, shares of borrowing types and according interest rates are provided. In the conclusion of the article some specific aspects of application of suggested method and potential ways of its improvement are considered.
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2010-01-01
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...
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2010-01-01
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...
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NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA
Directory of Open Access Journals (Sweden)
ILIE RĂSCOLEAN
2014-12-01
Full Text Available Bad loans are essentially loans with arrears of 90 days or more, and the criterion of 90 days is the most common practice in different countries to determine indicators on the bad in lending. Credit risk is one of the most important financial risks facing the banking system is assumed by all credit institutions and may cause serious problems so that bank and the whole system if risk exposure is substantial. From this point of view, the most important function of bank management is to control the quality of the loan portfolio. This is because the poor quality of loans is the leading cause of bankruptcy. In accordance with the central bank, credit institutions are obliged to protect the bank's capital and the deposits of individuals and legal entities and to cover any loans that present uncertainties in recovery, to determine and utilize prudential value adjustments. The central bank aims NPL development using aggregated indicators on credit institutions. Conclusions are presented on developments and trends in non-performing loans in the portfolio of credit institutions in Romania.
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77 FR 76414 - William D. Ford Federal Direct Loan Program
2012-12-28
... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...
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THE LOAN CONTRACT IN THE NEW CIVIL CODE
Directory of Open Access Journals (Sweden)
LIVIA MOCANU
2012-05-01
Full Text Available The new Civil Code maintains, mainly, the stipulations of the Civil Code of 1865 regarding loan contracts, in its both forms (the loan for use and the loan for consumption. As a variety of the loan for consumption, a few new specific stipulations were included, regarding the loan with interest.This research is focused on the current regulation of the loan contract, including a series of changes, of which the most important refers to: the loan promise, the risk regarding the asset placed in a bailment, property transfer and the risk in the loan for consumption contract, loan return and the interest regime. Also, what kept my attention is the significant changes brought to the interest regime by the Law for applying the Civil Code, included for now in Chapter I of the O.G. no. 13/2011, regarding the legal compensatory interest and the penalty interest for financial duties, as well as for the regulation of certain financial-fiscal measures in the banking department.
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38 CFR 1.512 - Disclosure of loan guaranty information.
2010-07-01
... an individual with respect to the property concerned; or (v) An attorney, real estate broker, or any other agent representing any of these persons. (Authority: 38 U.S.C. 5701(c), (h)(2)(D)) (c)(1) The... accurate; or (ii) To enable the Secretary to offer for sale or other disposition any loan or installment...
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12 CFR 956.2 - Authorized investments.
2010-01-01
... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Authorized investments. 956.2 Section 956.2... ITEMS FEDERAL HOME LOAN BANK INVESTMENTS § 956.2 Authorized investments. In addition to assets... securities of any small business investment company formed pursuant to 15 U.S.C. 681(d), to the extent such...
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7 CFR 1421.104 - Marketing assistance loan making.
2010-01-01
... cost for terminating the financing statement for marketing assistance loans disbursed under paragraph... 7 Agriculture 10 2010-01-01 2010-01-01 false Marketing assistance loan making. 1421.104 Section... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance...
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Uranium loans: Delaying the day of reckoning
International Nuclear Information System (INIS)
Anon.
1993-01-01
Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases? For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At current prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible
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24 CFR 203.477 - Certificate by lender when loan assigned.
2010-04-01
... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.477... a good right to assign. (c) The mortgage transaction did not involve a first mortgage and the mortgage is prior to all mechanics' and materialmen's liens filed of record, regardless of when such liens...
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7 CFR 1421.113 - Recourse marketing assistance loans.
2010-01-01
... assistance loan collateral may not be delivered or forfeited to CCC in satisfaction of the loan indebtedness... 7 Agriculture 10 2010-01-01 2010-01-01 false Recourse marketing assistance loans. 1421.113 Section... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND SIMILARLY HANDLED...
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Wang, Marian; Supiano, Beckie; Fuller, Andrea
2012-01-01
As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…
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2010-04-01
... collateral securing the loan under § 103.36(d)(2), and has a residual loss after doing so, it must send BIA... principal collateral securing the loan; or (iii) One hundred eighty calendar days after the date of the default. (b) For insured loans, after liquidating all loan collateral, the lender must submit a claim for...
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24 CFR 201.51 - Proceeding against the loan security.
2010-04-01
....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...
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7 CFR 1427.23 - Cotton loan deficiency payments.
2010-01-01
..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan... intentions to receive a loan deficiency payment on the identified commodity or (ii) A completed request for a... cotton based on a locked-in adjusted world price, provide identifying numbers for modules or other...
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7 CFR 1718.104 - Availability of model loan contract.
2010-01-01
..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...
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12 CFR 614.4470 - Loans subject to bank approval.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...
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Macro-Financial Linkages in Egypt; A Panel Analysis of Economic Shocks and Loan Portfolio Quality
Inessa Love; Rima Turk-Ariss
2013-01-01
This paper investigates macro-financial linkages in Egypt using two complementary methods, assessing the interaction between different macroeconomic aggregates and loan portfolio quality in a multivariate framework as well as through a panel vector autoregressive method that controls for bank-level characteristics. Using a panel of banks over 1993-2010, the authors find that a positive shock to capital inflows and growth in gross domestic product improves banks’ loan portfolio quality, and ...
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7 CFR 772.14 - Reamortization of AMP loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity date...
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24 CFR 510.1 - Multi-family property loans.
2010-04-01
... any partnership which is a borrower on a section 312 loan shall be personally liable for repayment of the section 312 loan. Limited partners shall assume personal liability by co-signing the loan note as... not relieve the partnership or corporate borrower from securing the section 312 loan by a mortgage or...
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Rules versus discretion in loan rate setting
Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.
2011-01-01
Loan rates for seemingly identical borrowers often exhibit substantial dispersion. This paper investigates the determinants of the dispersion in interest rates on loans granted by banks to small and medium sized enterprises. We associate this dispersion with the loan officers’ use of “discretion” in
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75 FR 9246 - Cooperative Share Loan Insurance
2010-03-01
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...
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2010-04-01
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...
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13 CFR 120.315 - Interest rate and loan limit.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...
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42 CFR 57.213a - Loan cancellation reimbursement.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57... Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... credited to this insurance fund), and used only to reimburse the school for the institutional share of any...
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THE INTRODUCTION OF THE UNIQUE MECHANISM OF SURVEILLANCE AND THE REDUCTION OF NON-PERFORMING LOANS
Directory of Open Access Journals (Sweden)
Nicoleta Georgeta PANAIT
2014-05-01
Full Text Available The introduction of a harmonized framework for financial supervision allows the minimizing of tax consequences and possible systemic bank failures. Banking union project will have impact on both the micro-prudential supervisory practices and the prudential supervision framework in the euro area and in the state members that will decide to participate in this project. The non-performing loans (NPL trend in the countries of Southeastern Europe further shows that nonperforming loans will increase in some of the states of Eastern Europe affecting credit flows and profits made by the banks. The activities conducted by the banks cannot be estimated, quantified and especially eliminate all risk, lending generates NPL even lending procedures were followed in accordance with the laws and regulations in force. Romania has the highest rate of non-performing loans in the region and the fact is generated because of difficulties in removing non performing loans from banks' balance sheets. In order to increase the volume of loans it is necessary to decrease of nonperforming loans from banks' balance sheets. To identify the optimal strategy for managing non-performing loans is necessary to continually monitor the performance and providing rapid adaptation to the dynamic environmental factors and changes in the characteristics of the loan portfolio. European Central Bank will consistently enforce a set of unique rules apply to the group of euro area credit institutions will directly supervise credit large institutions and will monitor supervisory practices of credit institutions less significant conducted by competent national authorities.
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Collateralised loan obligations (CLOs): A primer
Jobst, Andreas A.
2002-01-01
The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...
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Banks offer SE more than it asked for
International Nuclear Information System (INIS)
Janoska, J.
2004-01-01
About a year ago, when new management took over the financial department of Slovenske elektrarne (SE), a.s. the company was in crisis. It faced an acute cash-flow deficit and due loans of over 20 bill. Sk (501.21 mil. Eur). SE could not provide adequate guarantees for the required loans and without state guarantees it was virtually impossible or too expensive to obtain additional loans. But last week the situation changed for the better. Despite the fact that due to the restructuring of SE's loan portfolio, the company will pay the banks 3 bill. Sk (75.18 mil. Eur) less interest over the next three years than under the original arrangements, even the bakers seemed satisfied. A loan portfolio full of non-standard agreements signed with about 30 banks had previously prevented decisions regarding the structure of the company's assets and liabilities.The cabinet refused to admit that SE was in crisis and offered SE for sale, although it could not be privatised due to its debt structure and the fact that it was close to default. Despite this unfavourable situation, company economists decided to make an offensive move -in cooperation with a small group of banks they converted the tens of company loan agreements into a new loan package that will be simpler, cheaper, and with longer maturity periods, which will not require state guarantees. SE managed to restructure debts with a total value of 550 mil. Eur and until these transactions are completed the banks offered SE a bridge loan of 110 mil. Eur. The transaction related to a syndicated loan of 350 mil. Eur which was concluded in April. Eurobonds with a total value of 200 mil. Eur were issued two months later. The banks offered the company more than it requested. Demand for the Eurobond issue exceeded the 200 mil. Eur of bonds on offer. (author)
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12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.
2010-01-01
... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...
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7 CFR 1703.112 - Expedited telecommunications loans
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Expedited telecommunications loans 1703.112 Section... § 1703.112 Expedited telecommunications loans RUS will expedite consideration and determination of an application submitted by an RUS telecommunications borrower for a loan under the Act or an advance of such...
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The pricing of bank debt guarantees
Arping, S.
2009-01-01
We analyze the optimal pricing of government-sponsored bank debt guarantees within the context of an asset substitution framework. We show that the desirability of fair pricing of guarantees depends on the degree of transparency of the banking sector: in relatively opaque banking systems, fair
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Exit Counseling Guide for Federal Student Loan Borrowers
Federal Student Aid, US Department of Education, 2010
2010-01-01
Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…
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Organic Law Of Judicial Guarantees And Constitutional Control
Directory of Open Access Journals (Sweden)
Ernesto López Freire
2013-01-01
Full Text Available This paper demonstrates the various unconstitutional and fallacies of the Organic Law of Judicial guarantees and Constitutional Control. For that, there will be a comprehensive collation between the mentioned law and the Constitution of the Republic of Ecuador and force. Through this analysis shows a lack of knowledge of Ecuadorian law or legal science by their authors. This study elucidated, inter alia, the inconsistencies in matters relating to the interpretation of constitutional provisions, full compensation, material and integral; challenge administrative acts, judicial unit.
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Cumulative Student Loan Debt in Minnesota, 2015
Williams-Wyche, Shaun
2016-01-01
To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…
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Credit Derivatives and Loan Pricing
Norden, L.; Wagner, W.B.
2007-01-01
This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan
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Student Loan Default Rates in Minnesota, 2007
Grimes, Tricia
2010-01-01
While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…
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Loan Market Competition and Bank Risk-Taking
Wagner, W.B.
2007-01-01
Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when
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Investigating on effects of different granting loans on bank deposits
Directory of Open Access Journals (Sweden)
Seyed Kazem Ebrahimi
2013-02-01
Full Text Available This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34, followed by Sales loans (0.24, contract quantity loans (0.21 and Zero-interest loans (0.16 and Future contract loans (0.14 come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.
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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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77 FR 58991 - State-Level Guarantee Fee Pricing
2012-09-25
... FEDERAL HOUSING FINANCE AGENCY [No. 2012-N-13] State-Level Guarantee Fee Pricing AGENCY: Federal... guarantee fee pricing by state. FHFA's proposal described here would adjust the upfront fees that the... final state-level guarantee fee pricing method, FHFA expects to direct the Enterprises to implement the...
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13 CFR 107.1720 - Characteristics of SBA's guarantee.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Characteristics of SBA's guarantee. 107.1720 Section 107.1720 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS... Characteristics of SBA's guarantee. If SBA agrees to guarantee a Licensee's Debentures or Participating Securities...
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Using collateral to secure loans
Yaron Leitner
2006-01-01
In “Using Collateral to Secure Loans,” Yaron Leitner asks: Why is collateral used to secure some loans, but not others? And why does collateral potentially involve more risk? He considers these questions, looking at some of the explanations for using collateral, focusing on its benefits and drawbacks.
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Collateral in Loan Classification and Provisioning
In W Song
2002-01-01
Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...
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76 FR 58089 - Guaranteed Loan Fees
2011-09-20
... the Small Business Regulatory Enforcement Fairness Act of 1996 (SBREFA), generally requires an agency... teleconference. Leadership from all Federally recognized Tribes that have lands within the affected counties will...
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Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers
Delisle, Jason; Holt, Alexander
2015-01-01
For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…
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Modelling home equity conversion loans with life insurance models
Directory of Open Access Journals (Sweden)
Baškot Bojan
2013-01-01
Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.
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REGIONAL RECIPROCAL GUARANTEE SOCIETIES IN VENEZUELA
Directory of Open Access Journals (Sweden)
Orlando J. Canelones
2014-11-01
Full Text Available This research aims to describe the operation of services offered by the Regional Mutual Guarantee Societies (SGRs in Venezuela, and to present synthetically, the rudiments for constitution, as well as the legal basis that must rule them, through conducting an executive summary of the Law of the National System of Reciprocal Guarantees for Small and Medium Business and the Promotion, Constitution and Functioning Rules of National Mutual Funds and Guarantees and SGRs. The methodology used in this research is documentary, through a literature review and exploration that allowed inferences about the importance of Regional SGRs in Venezuela, as financing alternative
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78 FR 9357 - Submission for OMB Review; Comment Request
2013-02-08
.... REAP is designed to help agricultural producers and rural small business reduce energy cost and... number. Rural Business-Cooperative Service Title: Renewable Energy Systems and Energy Efficiency... grants, loan guarantees, and grants and loan guarantees (combined funding) to agricultural producers and...
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50 CFR 12.36 - Donation or loan.
2010-10-01
... 50 Wildlife and Fisheries 1 2010-10-01 2010-10-01 false Donation or loan. 12.36 Section 12.36... SEIZURE AND FORFEITURE PROCEDURES Disposal of Forfeited or Abandoned Property § 12.36 Donation or loan. (a... and security for the item. (b) Any donation or loan may be made only after execution of a transfer...
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2010-04-01
... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of the firm's future financial position, such as market studies, country and industry economic forecasts... principal of the loan. (d) Contingent liability interest-free loans—(1) Treatment as loans. In the case of...
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76 FR 13769 - Rural Broadband Access Loans and Loan Guarantees
2011-03-14
... pharmacy work, and savings to health facilities from outsourcing specialized medical procedures. One study... international markets and enables new, small, and home-based businesses to thrive. Broadband access affords...
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78 FR 8353 - Rural Broadband Access Loans and Loan Guarantees
2013-02-06
... outsourcing specialized medical procedures. One study of 24 rural hospitals placed the annual cost of not... a key to economic growth. For rural businesses, broadband gives access to national and international...
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Bank Loan Loss Provisions, Investor Protection and the Macroeconomy
Ozili, Peterson K
2017-01-01
This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...
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7 CFR 766.112 - Additional security for restructured loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Additional security for restructured loans. 766.112..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs § 766.112 Additional security for restructured loans. (a) If the borrower is delinquent prior to restructuring, the...
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Minimum Price Guarantees In a Consumer Search Model
M.C.W. Janssen (Maarten); A. Parakhonyak (Alexei)
2009-01-01
textabstractThis paper is the first to examine the effect of minimum price guarantees in a sequential search model. Minimum price guarantees are not advertised and only known to consumers when they come to the shop. We show that in such an environment, minimum price guarantees increase the value of
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The Use of Loan Translation as a Term-Creation Strategy in Duramazwi reMimhanzi
Directory of Open Access Journals (Sweden)
Gift Mheta
2011-10-01
Full Text Available Abstract: The article presents loan translation as one of the key strategies that lexicographers at the African Languages Research Institute (ALRI employed in the creation of new terminology during the compila-tion of the music dictionary Duramazwi reMimhanzi. Inspired by the authors' keen interest in lexicography and active involvement in the compilation of Duramazwi reMimhanzi, it discusses the advantages and disad-vantages of loan translation. Analysis of this term-creation strategy is done using Chimhundu's (1996 trans-lation and terminology development theory known as the scan and balance theory.
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Discriminant Analysis of Student Loan Applications
Dyl, Edward A.; McGann, Anthony F.
1977-01-01
The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)
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Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades
2011-01-01
African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...
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7 CFR 1738.11 - Availability of broadband service.
2010-01-01
..., DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies... given to loans to finance service to eligible rural communities in which broadband service is not...
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LOANS PROVIDED BY CHINESE GOVERNMENT: OPPORTUNITIES AND RISKS FOR THE REPUBLIC OF MOLDOVA
Directory of Open Access Journals (Sweden)
Marina SOLOVIOVA
2016-01-01
Full Text Available As external development partners have put on hold their financial support for Moldova, contracting loans from China sparks an increasing interest. Because debates on this topic take place with very little information available, in this article we have made a synthesis of official data disseminated by the Chinese authorities, estimations made by the OECD and other organizations, records from the archive of the National Bank of Moldova, documents from the state register of legal acts, as well as of data published by the press. The results show that, although loans provided by the Chinese government are not an alternative to the loans offered by the IMF and other traditional creditors for budget and balance of payments support, they have a range of peculiar advantages and can be a convenient means of financing projects in the area of energy, industry, and agriculture.
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12 CFR 583.12 - Multiple savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...
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12 CFR 583.11 - Diversified savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...
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78 FR 8444 - Energy Efficiency and Conservation Loan Program Programmatic Environmental Assessment
2013-02-06
... DEPARTMENT OF AGRICULTURE Rural Utilities Service 7 CFR Part 1710 Energy Efficiency and... new program that will implement the Energy Efficiency and Conservation Loan Program (EE). The PEA is... 12 to authorize energy audits and energy efficiency measures and devices to reduce demand on electric...
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75 FR 26706 - Information Collection; Direct Loan Making
2010-05-12
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Making AGENCY... that supports Direct Loan Making programs. The information is used to determine borrower compliance with loan agreements, assist the borrower in achieving business goals, and regular servicing of the...
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12 CFR 583.20 - Savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...
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7 CFR 772.10 - Transfer and assumption-AMP loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Transfer and assumption-AMP loans. 772.10 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.10 Transfer and assumption—AMP loans. (a) Eligibility. The Agency may approve transfers and assumptions of AMP loans when: (1) The...
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Pricing unit-linked insurance with guaranteed benefit
Iqbal, M.; Novkaniza, F.; Novita, M.
2017-07-01
Unit-linked insurance is an investment-linked insurance, that is, the given benefit is the premium investment out-come. Recently, the most widely marketed insurance in the industry is unit-linked insurance with guaranteed benefit. With guaranteed benefit applied, the insurance benefits form is similar to the payoff form of European call option. Thereby, pricing European call option is involved in pricing unit-linked insurance with guaranteed benefit. The dynamics of investment outcome is assumed to follow stochastic interest rate. Hence, change of measure methods is used in pricing unit-linked insurance. The discount factor with stochastic interest rate needs to be modified as well to be zero coupon bond price. Eventually, the insurance premium is calculated by equivalence principle with guaranteed benefit and insurance period explicitly given.
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African Journals Online (AJOL)
stooppn
purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.
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A Trillion-Dollar Question: What Predicts Student Loan Delinquencies?
Mezza, Alvaro; Sommer, Kamila
2016-01-01
The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…
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78 FR 51046 - Registration of Mortgage Loan Originators
2013-08-20
... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...
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Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.
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7 CFR 160.74 - Loan of standards without security.
2010-01-01
... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards without security. 160.74 Section 160... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.74 Loan of standards without security. Duplicates of the United States Standards for rosin may be loaned without deposit of...
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Syndicated Loan Signed for CPECC'S KUWAIT Project
Institute of Scientific and Technical Information of China (English)
无
1997-01-01
@@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.
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76 FR 6185 - Registration of Mortgage Loan Originators
2011-02-03
... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...
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76 FR 30286 - Community Development Revolving Loan Fund
2011-05-25
... Revolving Loan Fund AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY..., evaluates, and acts on credit union applications seeking loans and technical assistance grants from the Community Development Revolving Loan Fund (CDRLF or Fund). The proposed changes update the current rule to...
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75 FR 77935 - Patriot Express Pilot Loan Initiative
2010-12-14
... SMALL BUSINESS ADMINISTRATION Patriot Express Pilot Loan Initiative AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Patriot Express Pilot Loan Initiative. SUMMARY: This notice extends the Patriot Express Pilot Loan Initiative in its current form through December 31, 2013...
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Gender and Banking : Are Women Better Loan Officers?
Beck, T.H.L.; Behr, P.; Guttler, A.
2009-01-01
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than
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7 CFR 1945.35 - Special EM loan training.
2010-01-01
...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...
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Development Credit Authority (DCA) Data Set: Guarantee Utilization and Claims
US Agency for International Development — USAID's Development Credit Authority (DCA) works with investors, local financial institutions, and development organizations to design and deliver investment...
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78 FR 40089 - Submission for OMB Review; Comment Request
2013-07-03
... the Government's security for loans made by RUS are reasonably adequate and that the loans will be... compliance with the loan terms and conditions to properly ensure continued loan security. Description of... makes mortgage loans and loan guarantees to finance telecommunications, electric, and water and waste...
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76 FR 5055 - Loan Servicing; Farm Loan Programs
2011-01-28
... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...
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13 CFR 120.383 - Restrictions on loan processing.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Restrictions on loan processing. 120.383 Section 120.383 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS.... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender...
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7 CFR 3550.108 - Security requirements (loans only).
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Security requirements (loans only). 3550.108 Section..., DEPARTMENT OF AGRICULTURE DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 504 Origination and Section 306C Water and Waste Disposal Grants § 3550.108 Security requirements (loans only). When the total...
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24 CFR 207.252a - Premiums-operating loss loans.
2010-04-01
... Premiums—operating loss loans. (a) The mortgagee, upon the insurance endorsement of the increase loan credit instrument covering the operating loss loan, shall pay to the Commissioner a first mortgage...
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International Nuclear Information System (INIS)
Nagano, Koji
2009-01-01
This paper first discusses where and why those ideas for nuclear fuel supply assurance and guarantee mechanisms came out, and attempts to draw a comparison among the proposed schemes and thereby examine possible steps forward. (author)
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The traceability of renewable energies: the guarantees of origin
International Nuclear Information System (INIS)
2017-03-01
The guarantee of origin has been initially designed by the European Union as a mechanism of support for renewable energies. It is an electronic document which allows an electric power provider to guarantee to its client the origin of the energy it sells him. This document presents the legal background of this guarantee, briefly describes the life cycle of this guarantee, proposes a brief discussion of recent legal evolutions, and briefly discusses its future
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The Confidentiality of Interlibrary Loan Records.
Nolan, Christopher W.
1993-01-01
Discusses potential problems for confidentiality within interlibrary loan requests, outlines legal issues related to confidentiality, and proposes guidelines intended to protect library users' rights to privacy. Interlibrary loan documentation procedures are considered; laws and professional standards are reviewed; and the disposition of…
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SURVEY OF DEMAND AND SUPPLY BALANCE IN LOAN MARKETS: CENTRAL BANK'S EXPERIENCE
Directory of Open Access Journals (Sweden)
S. Naumenkova
2014-09-01
Full Text Available This article examines the existing Bank Lending Survey (BLS approaches to the assessment of the non-price lending conditions' impact on the credit market balance. BLS responses provided domestic central banks an early and reliable signal about the deterioration of financing conditions and the financial access. The monitoring pattern stipulate by using the core indicators: net percentage, diffusion index, Bank Lending Tightness (BLT. The priority tasks for National Bank of Ukraine for Bank Lending Survey were put forward by author. Senior Loan Officer Opinion Survey (SLOOS on Bank Lending Practices address changes in the supply of, and demand for, bank loans to businesses and households over the past months.
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12 CFR 560.31 - Election regarding categorization of loans or investments and related calculations.
2010-01-01
...) If a loan or other investment is authorized under more than one section of the HOLA, as amended, or... with HOLA section 5(c)'s investment limitations only to the extent that funds have been advanced and...
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7 CFR 1776.17 - Revolving loan fund maintenance.
2010-01-01
..., justifies different amounts, a reserve for bad debts of 6 percent of outstanding loans must be accumulated... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776..., DEPARTMENT OF AGRICULTURE (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.17...
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24 CFR 201.20 - Property improvement loan eligibility.
2010-04-01
... estimated cost. (2) The loan proceeds shall be used only to finance property improvements that substantially protect or improve the basic livability or utility of the property. The Secretary will establish a list of... the Secretary before making a loan. (3) The loan proceeds shall only be used to finance property...
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7 CFR 3565.103 - Approval requirements.
2010-01-01
... commitment for a guaranteed loan or an agreement to purchase a guaranteed loan. (b) Audited statement. A... cash management operations; (3) A minimum of two years experience in originating and servicing... have 3 years of experience and all staff must receive annual multifamily training; (6) Demonstrated...
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7 CFR 773.21 - Loan decision, closing, and fees.
2010-01-01
..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...
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78 FR 33755 - Project Financing Loans
2013-06-05
... CFR Part 1710 [0572-AC21] Project Financing Loans AGENCY: Rural Utilities Service, USDA. ACTION... also considering regulations to clarify the agency's procedures for single asset/project financing... parameters necessary to more effectively and prudently use project financing in the RUS electric loan program...
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Directory of Open Access Journals (Sweden)
Vlastimir Vukovic
2013-12-01
Full Text Available This paper presents the results of the research on the impact of non-performing loans to the systemic risk in the domestic banking system and a comparison with other countries in transition, as well as on certain EU countries. It is important to metion that the extreme bank-centricity caused the extension of the analysis to the entire financial sector of Serbia. Therefore, macroeconomic and macro-financial component of systemic risk were separated. In order to more precisely determine the main effects of non-performing loans in the propagation of systemic risk, the authors have created and used two new synthetic indicators in the research. The first is the macroeconomic contagion with non-performing loans (problematic loans expressed as a percentage of GDP, and the second is the infection of financial sector with non-performing loans (the proportional share of these loans in the assets of the financial sector. Analysis of the period just before and during the current financial crisis and the recession (2007-2012 showed that the NPLs (non-performing loans are the main generator of systemic risk in the financial and real sectors of Serbia. In addition, the survey results show that the applied synthetic indicators measure total system risk and its basic components more accurately then the analytical, which have only been in use until now. Comparative analysis showed similar results, not only in the countries in transition, but also in developed ones. The results of this study provide guidance and represent an important input for economic policymakers, because the systemic risk is the greatest immediate threat to economic prosperity and financial stability of each country
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The effect of organizational hierarchy on loan rates and risk assessments
Bouwens, J.; Kroos, P.
2012-01-01
We examine whether loan decisions are affected by the internal decision structure of the bank. Banks typically grant decision rights on straight-forward loans entirely to individual loan officers. For more risky loans these officers have to seek ratification for their loan proposals at higher
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42 CFR 57.313a - Loan cancellation reimbursement.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR... Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to...
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7 CFR 1435.105 - Loan settlement and foreclosure.
2010-01-01
... all or any part of the loan collateral by paying CCC the applicable principal and interest. (b) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due...) Forfeiture of in-process sugar serving as loan collateral will be accepted as payment in full of principal...
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13 CFR 500.100 - Purpose and scope.
2010-01-01
... Board's authorities and organizational structure, the means and rules by which the Board takes actions... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Purpose and scope. 500.100 Section 500.100 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND...
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12 CFR 614.4330 - Loan participations.
2010-01-01
... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing...
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Tranching in the Syndicated Loan Market
Cumming, D.; McCahery, J.A.; Schwienbacher, A.
2011-01-01
We use data comprising over 100,000 loans from 115 countries during 1995-2009 to examine factors that affect the extent of loan tranching, and the range of tranche spreads. The data show five factors that drive them: asymmetric information, borrower risk, transaction costs, the presence of
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7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Warehouse-stored marketing assistance loan collateral... Marketing Assistance Loans § 1421.106 Warehouse-stored marketing assistance loan collateral. (a) A commodity may be pledged as collateral for a warehouse-stored marketing assistance loan in the quantity...
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Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).
Office of Federal Student Aid (ED), Washington, DC.
This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…
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Development Credit Authority (DCA) Data Set: Loan Transactions
US Agency for International Development — USAID's Development Credit Authority (DCA) works with investors, local financial institutions, and development organizations to design and deliver investment...
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Guarantee Funds of Credits in Romania - Necessity, Features and Networking - II
Directory of Open Access Journals (Sweden)
Georgeta Dragomir
2011-12-01
Full Text Available In the current context, marked by financial crisis, economic recession, lack of liquidity andlow capitalization, the access tofinancing is more difficult, mainly due to the lack, insufficiency orlimited availability of guarantees. Guarantee funds represent an innovative solution, proven by theEuropean economies and recently launched in Romania. Taking over the international experience inorder to facilitate the SMEs’ access to financial resources has become a necessity in Romania, whichwas reflected by the creation of three specialized financial institutions in granting guarantees domain.These are bodies with private or publiccapital, which relate, based on agreements with commercialbanks. After a period of exposure to major risks from the lack of regulatory activity, the guaranteefunds, along with other non-banking financial institutions are absolutely governed by rules oftheNRB, according to the banking law and special laws. The analysis in this paper is based on the studyof several official documents, reports of specialized bodies, statistics and examples of good practice,summarized and interpreted in through comparison and developments. The aim is to identify anumber of issues that may lead to sensitize the responsible factors-public authorities, creditinstitutions, and specialists-to come up with new practical solutions that would stimulate thefinancing processof small entrepreneurs.
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A Network-Attached Storage System Supporting Guaranteed QoS
Institute of Scientific and Technical Information of China (English)
KONG Hua-feng; YU Sheng-sheng; LU Hong-wei
2005-01-01
We propose a network-attached storage system that can support guaranteed Quality of Service (QoS), called POPNet Storage. The special policy of date access and disk scheduling is enable users to access files quickly and directly with guaranteed QoS in the POPNet Storage. The POPNet Storage implements a measurement-based admission control algorithm (PSMBAC) to determine whether to admit a new data access request stream and admit as many requests as possible while meeting the QoS guarantees to its clients. The data reconstruction algorithms in the POPNet Storage also put more emphasis on data availability and guaranteed QoS, thus it is designed to complete the data recovery as soon as possible and at the same time provide the guaranteed QoS for high-priority data access. The experiment results show that the POPNet Storage can provide more significant performance, reliability, and guaranteed QoS than conventional storage systems.
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38 CFR 36.4524 - Sale of loans.
2010-07-01
... regulations concerning direct loans to veterans as may be inconsistent therewith or variant therefrom shall no... Veterans Affairs may issue a guaranty in connection therewith within the maximums applicable to loans...
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7 CFR 2201.2-2201.8 - [Reserved
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false [Reserved] 2201.2-2201.8 Section 2201.2-2201.8 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS General §§ 2201.2-2201.8 [Reserved] ...
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7 CFR 4279.114 - Ineligible purposes.
2010-01-01
... organizations. (e) Lending and investment institutions and insurance companies. (f) Assistance to Government... issue. The Agency may guarantee a loan for a project which involves tax-exempt financing only when the... which is financed by the tax-exempt obligation, and the guaranteed loan has at least a parity security...
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7 CFR 1735.33 - Variable interest rate loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Variable interest rate loans. 1735.33 Section 1735.33... § 1735.33 Variable interest rate loans. After June 10, 1991, and prior to November 1, 1993, RUS made certain variable rate loans at interest rates less than 5 percent but not less than 2 percent. For those...
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Security Guarantees and Nuclear Non-Proliferation
International Nuclear Information System (INIS)
Bruno Tertrais
2011-01-01
The purpose of this paper is to discuss the value of 'security guarantees', that is, positive security assurances that include a formal or informal defense commitment, in preventing nuclear proliferation. It demonstrates that such guarantees have proven to be a very effective instrument in preventing States from going nuclear. It would thus seem logical to reinforce or extend them. However, this path is fraught with obstacles and dilemmas
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Security Guarantees and Nuclear Non-Proliferation
Energy Technology Data Exchange (ETDEWEB)
Bruno Tertrais
2011-07-01
The purpose of this paper is to discuss the value of 'security guarantees', that is, positive security assurances that include a formal or informal defense commitment, in preventing nuclear proliferation. It demonstrates that such guarantees have proven to be a very effective instrument in preventing States from going nuclear. It would thus seem logical to reinforce or extend them. However, this path is fraught with obstacles and dilemmas
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2010-07-01
... LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... Private Loan Portion or any Derivative to the extent that the Private Loan or the respective Private Loan...
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50 CFR 31.11 - Donation and loan of wildlife specimens.
2010-10-01
... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Donation and loan of wildlife specimens... of Wildlife Reduction and Disposal § 31.11 Donation and loan of wildlife specimens. Wildlife specimens may be donated or loaned to public institutions for specific purposes. Donation or loans of...
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7 CFR 1710.119 - Loan processing priorities.
2010-01-01
... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...
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44 CFR 206.367 - Loan repayment.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan repayment. 206.367 Section 206.367 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in...
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Directory of Open Access Journals (Sweden)
Bernard Ndirangu Wachira
2017-08-01
Full Text Available The part played by non-prime household loans in improving the lives of many people who cannot afford collateral globally cannot be ignored. Many Microfinance Banks in many economies worldwide have tried to maintain the Grameen Bank Model of granting microloans, mainly non-prime household loans. However, the credit risks associated with this initiative hamper the pace at which the granting of this credit facility is expected to grow. This study intends to explore the relationship between the post loan disbursement allocation and the performance of non-prime household loans in the Microfinance Banks in Kenya. The theory associated to this study is the Credit Risk Theory. This theory, which is regarded as credit structural theory, was developed by Merton in 1972. The descriptive survey research design method was applied, and the sample size was 150 respondents. The data-collection tool used was a questionnaire. A logistic regression analysis was conducted for the purpose of predicting non-prime household performance in the Microfinance Banks using training budget, recoveries budget, percentage of training budget, and percentage of recoveries budget as predictors. The Wald test shows that training budget, recoveries budget, and percentage of training budget were good predictors, making a significant contribution to prediction. The percentage of budget on recoveries was not a significant predictor. The Microfinance Banks should enhance the performance of non-prime household loans through capacity building to the borrowers and educate the borrowers on dangers of enforced loan recoveries. The government, through the Central Bank of Kenya, should have a training policy for the Microfinance Banks so that they can enlighten the borrowers on proper financial management to avoid conflicts with borrowers during loan recoveries.
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de Roon, F.A.; Veld, C.H.
1995-01-01
This study investigates the announcement effects of offerings of convertible bond loans and warrant-bond loans using data for the Dutch market. Using standard event study methodology it is found that on average stock prices show a positive but insignificant abnormal return for the announcement of a
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78 FR 28953 - William D. Ford Federal Direct Loan Program
2013-05-16
.... Ford Federal Direct Loan Program; Interim Final Rule #0;#0;Federal Register / Vol. 78, No. 95... [Docket ID ED-2013-OPE-0066] RIN 1840-AD13 William D. Ford Federal Direct Loan Program AGENCY: Office of... Secretary amends the William D. Ford Federal Direct Loan Program (Direct Loan Program) regulations to...
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International Nuclear Information System (INIS)
Kawakami, Susumu; Sugita, Yutaka; Kurihara, Yuji; Jintoku, Takashi; Taniguti, Naoki; Yui, Mikazu; Tanai, Kenji; Shibata, Masahiro; Honma, Nobuyuki
2003-03-01
In order to contribute to the safety standards and guidelines upon which a administration decides, examination for clarifying how to reflect the result obtained by future R and D was performed. From a viewpoint of the long-term safety on geological disposal, the items which should guarantee the performance of each element which constitutes disposal institutions (by this report, they are the overpack and the buffer material) were extracted, and it was shown what a performance guarantee is concretely offered about these items. Furthermore, based on the H12 report as a situation of present R and D for a method of a performance guarantee, the subjects considered that a future R and D is required were extracted. Moreover, the items of a safety standard and guideline were assumed, and the relation between these items and a performance guarantee items was arranged. One arrangement for clarifying whether to be reflected in the safety regulations and guidelines whose R and D subjects extracted from the performance guarantee items was shown. (author)
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75 FR 23218 - Information Collection; Direct Loan Servicing-Regular
2010-05-03
... collections established in the regulation are necessary for FSA to monitor and account for loan security... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Servicing... collection that supports Direct Loan Servicing-Regular programs. The information is used to determine...
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Monitoring and Evaluation of Cultivated Land Irrigation Guarantee Capability with Remote Sensing
Zhang, C., Sr.; Huang, J.; Li, L.; Wang, H.; Zhu, D.
2015-12-01
Abstract: Cultivated Land Quality Grade monitoring and evaluation is an important way to improve the land production capability and ensure the country food safety. Irrigation guarantee capability is one of important aspects in the cultivated land quality monitoring and evaluation. In the current cultivated land quality monitoring processing based on field survey, the irrigation rate need much human resources investment in long investigation process. This study choses Beijing-Tianjin-Hebei as study region, taking the 1 km × 1 km grid size of cultivated land unit with a winter wheat-summer maize double cropping system as study object. A new irrigation capacity evaluation index based on the ratio of the annual irrigation requirement retrieved from MODIS data and the actual quantity of irrigation was proposed. With the years of monitoring results the irrigation guarantee capability of study area was evaluated comprehensively. The change trend of the irrigation guarantee capability index (IGCI) with the agricultural drought disaster area in rural statistical yearbook of Beijing-Tianjin-Hebei area was generally consistent. The average of IGCI value, the probability of irrigation-guaranteed year and the weighted average which controlled by the irrigation demand index were used and compared in this paper. The experiment results indicate that the classification result from the present method was close to that from irrigation probability in the gradation on agriculture land quality in 2012, with overlap of 73% similar units. The method of monitoring and evaluation of cultivated land IGCI proposed in this paper has a potential in cultivated land quality level monitoring and evaluation in China. Key words: remote sensing, evapotranspiration, MODIS cultivated land quality, irrigation guarantee capability Authors: Chao Zhang, Jianxi Huang, Li Li, Hongshuo Wang, Dehai Zhu China Agricultural University zhangchaobj@gmail.com
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Community oral health literacy: improving use of oral-health care guarantee in children aged 6.
Directory of Open Access Journals (Sweden)
Marco Cornejo-Ovalle
2013-08-01
Full Text Available The assessment of comprehensive oral health care for children aged 6 (GES-6years showed low utilization of this guarantee, with lower use for children from municipal public schools. The empowerment and health literacy of parents improve their role as oral-health promoters for their children. Objective: To implement and to assess a strategy of empowerment and health literacy of the community about their guaranteed health rights to increase the use of GES-6years. Methods: A mixed design. Using qualitative methodology we will design a communication tool, culturally and socially appropriate to be sent to the beneficiary community of this guarantee. Using a nonrandomized community trial, this instrument designed to empower and improve oral health literacy on GES-6 guarantee, will be sent as personalized letter (intervention signed by the mayor of the municipality with a message aimed to children beneficiaries for GES -6years and another addressed to their parents/guardians. Schools would be selected from clusters (communes of the two regions selected for convenience. Communes will be randomly selected amog those whose authorities agree to participate, and will be selected as for intervention or control. Data analysis will assess the differences in the prevalence of use of this guarantee among children from municipal schools belonging to the intervention or control arm.
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42 CFR 57.1515 - Loan closing.
2010-10-01
... to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1515 Loan... 42 Public Health 1 2010-10-01 2010-10-01 false Loan closing. 57.1515 Section 57.1515 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING...
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7 CFR 160.75 - Loan of standards under security deposit.
2010-01-01
... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards under security deposit. 160.75... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.75 Loan of standards under security deposit. Duplicates of the United States Standards for rosin may be loaned to interested...
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Single Family Loan Sale Initiative - National Offering
Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...
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7 CFR 1738.19 - Facilities financed.
2010-01-01
... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.19 Facilities financed. (a) RUS makes broadband loans to finance the construction, improvement, and acquisition... broadband loans to finance broadband facilities leased under the terms of a capital lease as defined in...
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77 FR 55794 - Submission for OMB Review; Comment Request
2012-09-11
..., one of RUS' main objectives is to safeguard loan security until the loan is repaid. Accordingly, RUS... quality of the products is acceptable and that their use will not jeopardize loan security. The.... Department of Agriculture (USDA). It makes mortgage loans and loan guarantees to finance electric...
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Assume-Guarantee Abstraction Refinement Meets Hybrid Systems
Bogomolov, Sergiy; Frehse, Goran; Greitschus, Marius; Grosu, Radu; Pasareanu, Corina S.; Podelski, Andreas; Strump, Thomas
2014-01-01
Compositional verification techniques in the assume- guarantee style have been successfully applied to transition systems to efficiently reduce the search space by leveraging the compositional nature of the systems under consideration. We adapt these techniques to the domain of hybrid systems with affine dynamics. To build assumptions we introduce an abstraction based on location merging. We integrate the assume-guarantee style analysis with automatic abstraction refinement. We have implemented our approach in the symbolic hybrid model checker SpaceEx. The evaluation shows its practical potential. To the best of our knowledge, this is the first work combining assume-guarantee reasoning with automatic abstraction-refinement in the context of hybrid automata.
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12 CFR 370.12 - Payment on the guarantee.
2010-01-01
... TEMPORARY LIQUIDITY GUARANTEE PROGRAM § 370.12 Payment on the guarantee. (a) Claims for Deposits in... depositors for funds in a noninterest-bearing transaction account in an insured depository institution that...
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TANGKO, IRENE LASTRY FARDANI
2012-01-01
Non Performing Loan (NPL)Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) Terhadap Loan to Deposit Ratio (LDR) Pada Bank BUMN Persero Di Indonesia Analysis ofEffect ofCapitalAdequacy Ratio (CAR) and theNon-PerformingLoan(NPL) AgainstLoanto DepositRatio (LDR) Thestate-owned bankinIndonesiaPersero Irene Lastry Fardani Tangko Otto R. Payangan Maat pono Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR) dan Non Performin...
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7 CFR 3565.210 - Maximum interest rate.
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Maximum interest rate. 3565.210 Section 3565.210... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.210 Maximum interest rate. The interest rate for a guaranteed loan must not exceed the maximum allowable rate specified by the Agency in...
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13 CFR 500.213 - Termination of obligations.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Termination of obligations. 500.213 Section 500.213 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD... the Application, the Guarantee or the Loan Documents; (5) A Lender fails to make a demand for payment...
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75 FR 27557 - Agency Information Collection Activities: Final Collection; Comment Request
2010-05-17
... many FTEs were supported or created for this deal; and d. Changed the amount of financeable local costs... transaction requests submitted to the Export Import Bank under its long term guarantee and direct loan... transaction requests submitted to the Export Import Bank under its long term guarantee and direct loan...
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2010-10-01
... Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) General § 22.3 Definitions... transportation-related contract(s), subcontract(s), and/or purchase order(s) that has been pledged as collateral... loan to the borrower. Loan guarantee means the agreement of DOT OSDBU to issue a guarantee of payment...
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13 CFR 120.970 - Servicing of 504 loans and Debentures.
2010-01-01
... more frequent basis and monitoring the status of the Borrower and 504 loan collateral. (c) The CDC is... collateral for the 504 loan, as required. (e) The CDC must timely respond to Borrower requests for loan... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Servicing of 504 loans and...
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2010-10-01
... organization table, including: (a) The structure and composition of the Board of Directors of the RLF; (b) The... 45 Public Welfare 4 2010-10-01 2010-10-01 false Staffing and organization of the Revolving Loan... Hawaiian Revolving Loan Fund Demonstration Project § 1336.65 Staffing and organization of the Revolving...
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34 CFR 682.507 - Due diligence in collecting a loan.
2010-07-01
... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in collecting a loan. 682.507 Section 682... Student Loan Programs § 682.507 Due diligence in collecting a loan. (a) General. (1) Except as provided in paragraph (a)(4) of this section, a lender shall exercise due diligence in the collection of a loan with...
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7 CFR 1735.31 - RUS cost-of-money and RTB loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...
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76 FR 20459 - Savings and Loan Holding Company Application
2011-04-12
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...
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Directory of Open Access Journals (Sweden)
Armand Krasniqi
2015-07-01
Full Text Available Legal regulation of market mechanisms and the implementation of economic policies for a fair competition in TEs is a challenging issue. The competition is a complex economic phenomenon that is manifested and characterized by the strength and content that gives to the market economy. In Kosovo specific economic entities, in one way or another, are tempted to gain as much buyers or markets and create much more profits. The problem is connected with the irregularity. Such behavior and unfair actions are not only damaging the image of the country but are a serious threat the harmonious development of the national economy and the country’s accession process to the EU. The parliament of Kosovo established the Kosovo Competition Authority as an independent institution with special competences to control and fight this negative phenomenon. Based to official data it turns out that the effectiveness of this institution is not only incomplete but also non-functional. This is because of the “ignorance” and non-adequate treatment that is reserved for this authority by the parliamentary and governmental institutions. All this because the members are not elected based to regular procedures and not allocating the necessary financial means to operate. At least so far, the Kosovo Competition Authority was not allowed to hire professionals with clear competences to act and investigate the negative phenomenon of unfair competition. Certainly, this situation does not guarantee effective implementation of laws and quality protection of competition. Therefore, the mobilization of parliamentary and governmental levels is needed to enhance professional capacities and increase their competence in scope of the investigation including cooperation with prosecutors and courts. These actions should be reconsidered with the aim of creating a competitive safe environment for all operators. To conclude, the loyal competition policies and legislative framework should be
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2010-01-01
... for judgment; (A) If the borrower has converted loan security, the lender will determine whether... of the disposition of loan security and its proceeds; (iii) A copy of the loan ledger indicating loan... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.149 Liquidation. (a) Mediation. When it has been determined...
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7 CFR 1718.101 - Applicability.
2010-01-01
... LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.101... that obtain a loan or loan guarantee from RUS approved on or after January 29, 1996. Distribution... 29, 1996, may be required to execute a new loan contract and new mortgage. Moreover, any distribution...
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29 CFR 4043.34 - Loan default.
2010-07-01
... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.34 Section 4043.34 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...
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CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS
Turgay GECER
2012-01-01
Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...
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76 FR 35085 - Savings and Loan Holding Company Application
2011-06-15
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...
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13 CFR 120.881 - Ineligible Projects for 504 loans.
2010-01-01
... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...
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13 CFR 120.612 - Loans eligible to back Certificates.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.612 Loans eligible to back Certificates. (a) Pool Certificates...
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7 CFR 1786.209 - Outstanding loan documents.
2010-01-01
... all provisions of its RUS loan contract, its outstanding notes issued to RUS, and the RUS mortgage. (b... making prepayments on any loans pursuant to the RE Act in accordance with the terms thereof or as may be...
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7 CFR 762.124 - Interest rates, terms, charges, and fees.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates, terms, charges, and fees. 762.124..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.124 Interest rates, terms, charges, and fees. (a) Interest rates. (1) The interest rate on a guaranteed loan or line of credit may be...