Denying Loan Access: The Student-Level Consequences When Community Colleges Opt out of the Stafford Loan Program. A CAPSEE Working Paper

Science.gov (United States)

Wiederspan, Mark

2015-01-01

The degree to which students are able to make adequate repayments on their student loans and avoid default is of special concern for colleges. If too many former students go into default, the college will face sanctions by the federal government and lose eligibility to provide currently enrolled students federal financial aid, such as the Pell…

Improvements Needed in Administration of the Guaranteed Student Loan Program.

Science.gov (United States)

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…

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.

Mathematical model of the loan portfolio dynamics in the form of Markov chain considering the process of new customers attraction

Science.gov (United States)

Bozhalkina, Yana

2017-12-01

Mathematical model of the loan portfolio structure change in the form of Markov chain is explored. This model considers in one scheme both the process of customers attraction, their selection based on the credit score, and loans repayment. The model describes the structure and volume of the loan portfolio dynamics, which allows to make medium-term forecasts of profitability and risk. Within the model corrective actions of bank management in order to increase lending volumes or to reduce the risk are formalized.

Financial Aid and College Persistence: Do Student Loans Help or Hurt?

Science.gov (United States)

Herzog, Serge

2018-01-01

Using data from two freshmen cohorts at a public research university (N = 3730), this study examines the relationship between loan aid and second-year enrollment persistence. Applying a counterfactual analytical framework that relies on propensity score (PS) weighting and matching to address selection bias associated with treatment status, the…

76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

Science.gov (United States)

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...

Collateral in Loan Classification and Provisioning

OpenAIRE

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...

7 CFR 1435.105 - Loan settlement and foreclosure.

Science.gov (United States)

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...

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

Science.gov (United States)

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...

Direct Loan Cash Management and Data Matching (Reconciliation).

Science.gov (United States)

Department of Education, Washington, DC.

This guide for institutions of higher education and other schools receiving funds under the William D. Ford Direct Loan Program details required and recommended procedures for the reconciliation process. The reconciliation process is explained to include cash management (the accounting for Direct Loan funds drawn down and disbursed to borrowers)…

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.

LOAN BROKERS

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

Rules versus Discretion in Loan Rate Setting

NARCIS (Netherlands)

Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.

2007-01-01

We propose a heteroscedastic regression model to identify the determinants of the dispersion in interest rates on loans granted to small and medium sized enterprises. We interpret unexplained deviations as evidence of the banks’ discretionary use of market power in the loan rate setting process.

76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

Science.gov (United States)

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...

77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

Science.gov (United States)

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...

75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

Science.gov (United States)

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...

7 CFR 3565.304 - Lender loan processing responsibilities.

Science.gov (United States)

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...

75 FR 65238 - Loan Guaranty: Elimination of Redundant Regulations; Correction

Science.gov (United States)

2010-10-22

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN71 Loan Guaranty: Elimination of... June 15, 2010 (75 FR 33704), amending its loan guaranty regulations to eliminate redundant regulations... INFORMATION CONTACT: William White, Acting Assistant Director for Loan Processing and Valuation (262...

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

NARCIS (Netherlands)

Gong, D.

2014-01-01

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

Implementing a Decision-Aware System for Loan Contracting Decision Process

Directory of Open Access Journals (Sweden)

Razvan PETRUSEL

2011-01-01

Full Text Available The paper introduces our work related to the design and implementation of a decision-aware system focused on the loan contracting decision process. A decision-aware system is a software that enables the user to make a decision in a simulated environment and logs all the actions of the decision maker while interacting with the software. By using a mining algorithm on the logs, it creates a model of the decision process and presents it to the user. The main design issue introduced in the paper is the possibility to log the mental actions of the user. The main implementation issues are: user activity logging programming and technologies used. The first section of the paper introduces the state-of-the-art research in process mining and the framework of our research; the second section argues the design of the system; the third section introduces the actual implementation and the fourth section shows a running example.

Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.

Science.gov (United States)

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…

76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

Science.gov (United States)

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...

42 CFR 62.24 - Who is eligible to apply for the Loan Repayment Program?

Science.gov (United States)

2010-10-01

... profession and which is offered by an accredited school in a State or (ii) Be enrolled in an approved... Federal, State or local government entity are not eligible for participation in the Loan Repayment Program. (Approved by the Office of Management and Budget under control number 0915-0127) ...

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

Directory of Open Access Journals (Sweden)

Bernard Ndirangu Wachira

2017-08-01

total recoveries did not have a strong relationship and was not significant. This study recommends the enhancement of the loan guarantee processes to reduce high loan default geared toward good performance of this loan so that it can be accessible to many people.

34 CFR 682.208 - Due diligence in servicing a loan.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in servicing a loan. 682.208 Section 682.208 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF... § 682.208 Due diligence in servicing a loan. (a) The loan servicing process includes reporting to...

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

Science.gov (United States)

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...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Science.gov (United States)

2010-01-01

... information as prescribed by CCC of the commodity to be pledged as collateral; (4) Pay CCC a loan service fee... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's... produced and are otherwise established as being eligible to be pledged as loan collateral. (c)(1) A...

Federal Student Loan Programs

Science.gov (United States)

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…

Binomial tree method for pricing a regime-switching volatility stock loans

Science.gov (United States)

Putri, Endah R. M.; Zamani, Muhammad S.; Utomo, Daryono B.

2018-03-01

Binomial model with regime switching may represents the price of stock loan which follows the stochastic process. Stock loan is one of alternative that appeal investors to get the liquidity without selling the stock. The stock loan mechanism resembles that of American call option when someone can exercise any time during the contract period. From the resembles both of mechanism, determination price of stock loan can be interpreted from the model of American call option. The simulation result shows the behavior of the price of stock loan under a regime-switching with respect to various interest rate and maturity.

Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

Science.gov (United States)

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…

38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

Science.gov (United States)

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...

Californium loan programme

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

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

Science.gov (United States)

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...

The effects of the bologna process on college enrollment and drop-out rates

OpenAIRE

Horstschräer, Julia; Sprietsma, Maresa

2010-01-01

This paper estimates the short-term effects of the introduction of the Bachelor degree in the framework of the Bologna Process on college enrollment and drop-out rates. We use variation in the timing of the Bachelor implementation at the department level to identify the effect of the reform based on longitudinal administrative student data from Germany. We find no significant effects on college enrollment or drop-out rates for most subjects.

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

Science.gov (United States)

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...

Delay and probability discounting among payday and title loan recipients.

Science.gov (United States)

Mahoney, Colin T; Lawyer, Steven R

2016-04-01

Payday and title loans are short-term loans associated with significant economic impact. Behavioral theories of impulsive choice may provide insight into behavioral processes that underlie the propensity to take out payday and title loans. Adults between the ages of 18 and 30 recruited from the community completed delay and probability discounting tasks for hypothetical money as well as measures of substance use. Patterns of discounting were characterized using a hyperbolic decay model and area under the curve. Participants who took out a payday and/or title loan in the past (n=41) exhibited more impulsive choice patterns on the delay discounting task than did those who did not (n=255). Substance use mediated this relationship between payday and title loan retention and delay discounting. These findings suggest potentially important relationships between payday/title loan borrowing, substance use, and delay discounting. Copyright © 2016 Elsevier B.V. All rights reserved.

7 CFR 2201.19 - Loan terms.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture 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...

Uranium loans

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

5 CFR 1655.14 - Loan payments.

Science.gov (United States)

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...

7 CFR 1737.92 - Loan documents.

Science.gov (United States)

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...

13 CFR 400.202 - Loan amount.

Science.gov (United States)

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...

7 CFR 1710.407 - Loan documents.

Science.gov (United States)

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...

13 CFR 400.204 - Loan terms.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 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...

7 CFR 1710.406 - Loan approval.

Science.gov (United States)

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...

7 CFR 1735.22 - Loan security.

Science.gov (United States)

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...

7 CFR 762.121 - Loan purposes.

Science.gov (United States)

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...

7 CFR 1738.22 - Loan security.

Science.gov (United States)

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...

76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

Science.gov (United States)

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...

7 CFR 1436.7 - Loan term.

Science.gov (United States)

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...

7 CFR 764.401 - Loan decision.

Science.gov (United States)

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...

13 CFR 500.202 - Loan amount.

Science.gov (United States)

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...

7 CFR 1710.113 - Loan security.

Science.gov (United States)

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...

13 CFR 500.204 - Loan terms.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 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...

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.

Entrance Counseling Guide for Direct Loan Borrowers

Science.gov (United States)

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),…

Philippines: Population: USAID loan.

Science.gov (United States)

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.

Safety of Municipal Loan in Ukraine

Directory of Open Access Journals (Sweden)

Stetsenko Tetiana V.

2014-03-01

Full Text Available The goal of the article is justification of the necessity of legal regulation of actions of the bodies of local self-government when detecting signs of insolvency. Each stage of municipal loans management is analysed from the point of view of availability of legal rules, which do not allow making municipal loans by territorial communities of the cities with weak financial state or regulate sequence of actions of municipalities in default times. The following results were obtained: majority of legal restrictions in the sphere of local finance management are directed at prevention of ungrounded loans or have the form of sanctions, applied to local bodies, which perform their debt obligations with delay; the state formally controls the process of making municipal loans, avoiding financial responsibility; the national legislation does not contain the mechanism of regulation of actions of territorial communities, which experience difficulties when performing debt obligations. The article proves expediency of adoption of a uniform regulatory-legal act in Ukraine, which would regulate all economic relations connected with making municipal loans. This legal document shall contain a section about actions of the municipality-debtor when signs of default start to appear, announcement of default and declaration of the debtor insolvent (bankrupt. The article recommends the following structure of this section: regulation of the procedure of default announcement avoidance; announcement of default with the pre-trial restoration of the debtor’s solvency; and announcement of default with declaring the debtor bankrupt juridically.

24 CFR 201.41 - Loan servicing.

Science.gov (United States)

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...

49 CFR 260.9 - Loan terms.

Science.gov (United States)

2010-10-01

... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... 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...

7 CFR 1980.370 - Loan servicing.

Science.gov (United States)

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...

7 CFR 1779.69 - Loan servicing.

Science.gov (United States)

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...

Microcomputers: An Interlibrary Loan Application.

Science.gov (United States)

Evans, Elizabeth A.

1984-01-01

Description of a microcomputer-based system for local processing of interlibrary loan (ILL) requests developed at Environmental Protection Agency library discusses database management systems, hardware, databases, and command files. Subsequent changes resulting from system's implementation at East Carolina University Health Sciences Library are…

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

Science.gov (United States)

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...

7 CFR 1610.4 - Loan applications.

Science.gov (United States)

2010-01-01

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

7 CFR 1435.101 - Loan rates.

Science.gov (United States)

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...

7 CFR 774.22 - Loan closing.

Science.gov (United States)

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...

24 CFR 201.10 - Loan amounts.

Science.gov (United States)

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...

7 CFR 771.13 - Loan closing.

Science.gov (United States)

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...

7 CFR 3560.61 - Loan security.

Science.gov (United States)

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...

A Comparison of the J-1 Visa Waiver and Loan Repayment Programs in the Recruitment and Retention of Physicians in Rural Nebraska.

Science.gov (United States)

Opoku, Samuel T; Apenteng, Bettye A; Lin, Ge; Chen, Li-Wu; Palm, David; Rauner, Thomas

2015-01-01

There is a dearth of literature evaluating the effectiveness of programs aimed at recruiting and retaining physicians in rural Nebraska. Taking advantage of the Nebraska Health Professional Tracking System, this study attempts to comparatively assess the effectiveness of the J-1 visa waiver and state loan repayment programs in the recruitment and retention of physicians in rural Nebraska. A mixed methods approach was used. We tracked 240 physicians who enrolled in the J-1 visa waiver and state loan repayment programs between 1996 and 2012 until 2013. In addition, key informant interviews were conducted to obtain perspectives on the recruitment and retention of physicians in rural Nebraska through the 2 programs. Results from multilevel survival regression analysis indicated that physicians enrolled in the J-1 visa waiver program were more likely to leave rural Nebraska when compared with those enrolled in the state loan repayment program. Participants in the qualitative study, however, cautioned against declaring one program as superior over the other, given that the 2 programs addressed different needs for different communities. In addition, results suggested that fostering the integration of physicians and their families into rural communities might be a way of enhancing retention, regardless of program. The findings from this study highlight the complexity of recruitment and retention issues in rural Nebraska and suggest the need for more holistic and family-centered approaches to addressing these issues. © 2015 National Rural Health Association.

77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

Science.gov (United States)

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...

7 CFR 771.5 - Loan purposes.

Science.gov (United States)

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...

7 CFR 1980.310 - Loan purposes.

Science.gov (United States)

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...

5 CFR 1655.21 - Loan fee.

Science.gov (United States)

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...

7 CFR 770.5 - Loan limitations.

Science.gov (United States)

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...

7 CFR 1710.51 - Direct loans.

Science.gov (United States)

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...

7 CFR 1467.7 - Enrollment process.

Science.gov (United States)

2010-01-01

... landowner. (c) Acceptance and effect of offer of enrollment.(1) Easement. For applications requesting... acceptance into the program. (b) Effect of notice of tentative selection. The notice of tentative acceptance...) Recording the easement in accordance with applicable State law; and (iv) Ensuring the title to the easement...

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

Science.gov (United States)

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...

7 CFR 1710.50 - Insured loans.

Science.gov (United States)

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...

7 CFR 1718.103 - Loan contract provisions.

Science.gov (United States)

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. ...

7 CFR 1980.481 - Insured loans.

Science.gov (United States)

2010-01-01

... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) 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...

Corporate boards and bank loan contracting

OpenAIRE

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...

77 FR 59346 - Payday-Alternative Loans

Science.gov (United States)

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...

7 CFR 1822.274 - Loan closing.

Science.gov (United States)

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...

MANAGEMENT OF SECURITY FOR BANK LOANS ON THE BASIS OF RISK MANAGEMENT

Directory of Open Access Journals (Sweden)

Viktoriia Kovalenko

2016-03-01

Full Text Available The article aims to study methods and tools for risk management to ensure bank loans.  Proved that the effectiveness of risk management to ensure bank loans depends on consistency,  adequacy methods of evaluation, quality monitoring and timely response system of the banks and the  regulator. The article is to develop recommendations to improve the effectiveness of risk management providing bank loans considering the risks inherent in the process support mortgage portfolio of banks in the  face of considerable uncertainty functioning banks. It is proved that the risk provision of bank loans in the loan management should be considered  through risk characteristics that form the aggregate credit risk. Substantiated that risk management software meets the classic risk management, which identifies  four main stages: identification; risk assessment software; control risk; minimizing risk. Keywords: credit risk provision, loan, risk management, reserves.JEL: G 28

7 CFR 1735.73 - Loan design.

Science.gov (United States)

2010-01-01

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

44 CFR 206.371 - Loan program.

Science.gov (United States)

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...

44 CFR 206.361 - Loan program.

Science.gov (United States)

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...

5 CFR 1655.12 - Loan agreement.

Science.gov (United States)

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...

7 CFR 1434.18 - Loan repayments.

Science.gov (United States)

2010-01-01

... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... 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...

A new Loan-Stock Financial Instrument

OpenAIRE

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...

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

Science.gov (United States)

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...

5 CFR 1620.35 - Loan payments.

Science.gov (United States)

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...

24 CFR 573.4 - Loan term.

Science.gov (United States)

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...

14 CFR 1300.15 - Loan terms.

Science.gov (United States)

2010-01-01

... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... 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...

7 CFR 771.15 - Loan servicing.

Science.gov (United States)

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...

31 CFR 25.400 - Loan provisions.

Science.gov (United States)

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...

How loan interest rate liberalization affects firms'loan maturity structure Evidence from listed manufacturing companies in China

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.

PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

Directory of Open Access Journals (Sweden)

Silviana Agustami

2017-04-01

Full Text Available Profitability is one of the essential elements in the process of assessing performance in banking finance. Bank needs to keep its profitability to maintain the continuity of its corporation. In the process of attaining income and making profit, a bank commonly does many efforts. One of them is through offering the credits to the public. However, in fact, credit which becomes the basis to run the company has the risk of failure when the clients/ debtors have to pay the loan back on its deadline/ Non Performing Loan (NPL. The objective of this study is to find out whether NPL influences negatively or not towards the bank profitability. This study employed the basic regression analysis method through linearity and normality tests. The data used is the financial statement of PT. Bank OCBC NISP, Tbk in 2002 until 2010 published by Bank Indonesia. Based on the revealed elaboration and the data analysis about the influence of NPL towards profitability, it can be concluded that the condition of Non-Performing Loan (NPL in PT. Bank OCBC NISP, Tbk is good in general since it is still below the NPL value regulated by Bank Indonesia which is 5%. Meanwhile, the profitability based on the return on assets (ROA in PT. Bank OCBC NISP tends to be below the minimum standard which is 1,5%, but it is classified in high category in the framework of performance determination of banking finance governed by Bank Indonesia. In PT. Bank OCBC NISP, Tbk, Non-Performing Loan (NPL influences negatively towards profitability.

7 CFR 1776.16 - Loan servicing.

Science.gov (United States)

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...

7 CFR 1927.56 - Scheduling loan closing.

Science.gov (United States)

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...

42 CFR 57.1510 - Security for loans.

Science.gov (United States)

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...

7 CFR 1427.170 - Quantity for loan.

Science.gov (United States)

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...

"My Madam Is Fine": The Adaptation of English Loans in Chichewa.

Science.gov (United States)

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)

7 CFR 1735.46 - Loan security documents.

Science.gov (United States)

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...

24 CFR 1007.35 - Loan terms.

Science.gov (United States)

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...

Guide to Direct Consolidation Loans.

Science.gov (United States)

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…

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.

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

Science.gov (United States)

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...

24 CFR 200.25 - Supplemental loans.

Science.gov (United States)

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...

76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

Science.gov (United States)

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...

27 CFR 6.61 - Guaranteeing loans.

Science.gov (United States)

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...

Private Loans: Facts and Trends

Science.gov (United States)

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…

78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

Science.gov (United States)

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...

7 CFR 3560.612 - Loan limits.

Science.gov (United States)

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...

77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

Science.gov (United States)

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...

75 FR 14331 - Disaster Assistance Loan Program

Science.gov (United States)

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...

12 CFR 561.30 - Nonresidential construction loan.

Science.gov (United States)

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...

Gender and banking : Are women better loan officers?

NARCIS (Netherlands)

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

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.

Determinants of Non Performing Loans in Commercial Banks: A Study of NBC Bank Dodoma Tanzania

Directory of Open Access Journals (Sweden)

N. Viswa Nadham

2015-03-01

Full Text Available The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs.   The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect.  Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.

13 CFR 120.400 - Loan Guarantee Agreements.

Science.gov (United States)

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...

7 CFR 1737.60 - Telephone loan budget.

Science.gov (United States)

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...

Bank Consolidation and Consumer Loan Interest Rates

OpenAIRE

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 ...

24 CFR 201.40 - Post-disbursement loan requirements.

Science.gov (United States)

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...

7 CFR 1610.5 - Minimum Bank loan.

Science.gov (United States)

2010-01-01

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

24 CFR 1007.30 - Security for loan.

Science.gov (United States)

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...

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.

Gender and Banking: Are Women Better Loan Officers?

OpenAIRE

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...

7 CFR 1436.8 - Security for loan.

Science.gov (United States)

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...

49 CFR 22.57 - Loan reporting requirements.

Science.gov (United States)

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...

13 CFR 120.546 - Loan asset sales.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....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...

Refining the Enrolment Process in Emergency Medicine Research.

Science.gov (United States)

Sahan, Kate M; Channon, Keith M; Choudhury, Robin P; Kharbanda, Rajesh K; Lee, Regent; Sheehan, Mark

2016-04-01

Research in the emergency setting involving patients with acute clinical conditions is needed if there are to be advances in diagnosis and treatment. But research in these areas poses ethical and practical challenges. One of these is the general inability to obtain informed consent due to the patient's lack of mental capacity and insufficient time to contact legal representatives. Regulatory frameworks which allow this research to proceed with a consent 'waiver', provided patients lack mental capacity, miss important ethical subtleties. One of these is the varying nature of mental capacity among emergency medicine patients. Not only is their capacity variable and often unclear, but some patients are also likely to be able to engage with the researcher and the context to varying degrees. In this paper we describe the key elements of a novel enrolment process for emergency medicine research that refines the consent waiver and fully engages with the ethical rationale for consent and, in this context, its waiver. The process is verbal but independently documented during the 'emergent' stages of the research. It provides appropriate engagement with the patient, is context-sensitive and better addresses ethical subtleties. In line with regulation, full written consent for on-going participation in the research is obtained once the emergency is passed.

7 CFR 771.14 - Loan monitoring.

Science.gov (United States)

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...

Interlibrary Loan Communications Subsystem: Users Manual.

Science.gov (United States)

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…

Race and Subprime Loan Pricing

OpenAIRE

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...

7 CFR 1744.63 - The telephone loan budget.

Science.gov (United States)

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...

The determinants of loan contracts to business firms

OpenAIRE

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...

7 CFR 3560.72 - Loan closing.

Science.gov (United States)

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...

29 CFR 4043.67 - Loan default.

Science.gov (United States)

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...

7 CFR 761.8 - Loan Limitations.

Science.gov (United States)

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...

7 CFR 1951.885 - Loan classifications.

Science.gov (United States)

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...

7 CFR 3560.63 - Loan limits.

Science.gov (United States)

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...

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...

SAIL: automating interlibrary loan.

Science.gov (United States)

Lacroix, E M

1994-01-01

The National Library of Medicine (NLM) initiated the System for Automated Interlibrary Loan (SAIL) pilot project to study the feasibility of using imaging technology linked to the DOCLINE system to deliver copies of journal articles. During the project, NLM converted a small number of print journal issues to electronic form, linking the captured articles to the MEDLINE citation unique identifier. DOCLINE requests for these journals that could not be filled by network libraries were routed to SAIL. Nearly 23,000 articles from sixty-four journals recently selected for indexing in Index Medicus were scanned to convert them to electronic images. During fiscal year 1992, 4,586 scanned articles were used to fill 10,444 interlibrary loan (ILL) requests, and more than half of these were used only once. Eighty percent of all the articles were not requested at all. The total cost per article delivered was $10.76, substantially more than it costs to process a photocopy request. Because conversion costs were the major component of the total SAIL cost, and most of the articles captured for the project were not requested, this model was not cost-effective. Data on SAIL journal article use was compared with all ILL requests filled by NLM for the same period. Eighty-eight percent of all articles requested from NLM were requested only once. The results of the SAIL project demonstrated that converting journal articles to electronic images and storing them in anticipation of repeated requests would not meet NLM's objective to improve interlibrary loan. PMID:8004020

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.

11 CFR 100.82 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

11 CFR 100.142 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

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.

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

Science.gov (United States)

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...

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.

7 CFR 1421.104 - Marketing assistance loan making.

Science.gov (United States)

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...

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

Anticipatory Enrollment Management: Another Level of Enrollment Management

Science.gov (United States)

Dennis, Marguerite J.

2012-01-01

Building on the principles of Enrollment Management (EM) and Strategic Enrollment Management (SEM), Anticipatory Enrollment Management (AEM) offers another level of managing enrollment: anticipating future enrollment. AEM is grounded in the basic principles of Customer Relationship Management (CRM) and includes strategic out-reach to parents and…

7 CFR 1421.113 - Recourse marketing assistance loans.

Science.gov (United States)

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...

The Parent Loan Trap

Science.gov (United States)

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…

25 CFR 103.37 - What must the lender do to collect payment under its loan guaranty certificate or loan insurance...

Science.gov (United States)

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...

24 CFR 201.51 - Proceeding against the loan security.

Science.gov (United States)

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...

The influence of loan repayment on rural healthcare provider recruitment and retention in Colorado.

Science.gov (United States)

Renner, Daniel M; Westfall, John M; Wilroy, Lou Ann; Ginde, Adit A

2010-01-01

the rural providers cited for their recruitment were the location of the community, scope of practice, and family fit with the community. The most important factors for the urban providers were the location of the community, salary, and scope of practice. Of the rural providers, 36% attended rural high schools, while 9% of urban providers attended rural high schools. Of the rural providers who were planning on practicing in a rural area regardless of any loan repayment option, 37% had attended rural high schools. Rural participants most often left their communities because their families wanted to move, personal or professional isolation, and dissatisfaction with the medical community. Of rural participants 22% cited the desire for a higher income as an important reason to leave their communities, while the desire for a higher income was the most commonly cited reason for the urban providers. Rural retention rates were not influenced by past attendance at rural high schools or by intention to practice in a rural community regardless of loan repayment. Loan repayment programs targeting rural Colorado usually enroll providers who would have worked in a rural area regardless of loan repayment opportunities, but are likely to play a role in providers' choice of specific rural community for practice. They also appear to have a limited but important influence on rural provider retention, though financial concerns are generally less influential for non-retained rural providers than are family preferences and professional dissatisfaction.

7 CFR 764.351 - Emergency loan uses.

Science.gov (United States)

2010-01-01

... replace land from the farm that was sold or conveyed, if such land is necessary for the farming operation..., processing, or marketing purposes; (ii) Pay customary costs associated with obtaining and closing a loan that... services, but not fees for agricultural management consultation, or preparation of Agency forms); (iii...

26 CFR 300.7 - Enrollment of enrolled actuary fee.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Enrollment of enrolled actuary fee. 300.7... AND ADMINISTRATION USER FEES § 300.7 Enrollment of enrolled actuary fee. (a) Applicability. This section applies to the initial enrollment of enrolled actuaries with the Joint Board for the Enrollment of...

7 CFR 1427.23 - Cotton loan deficiency payments.

Science.gov (United States)

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...

7 CFR 1718.104 - Availability of model loan contract.

Science.gov (United States)

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...

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

Science.gov (United States)

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...

12 CFR 614.4470 - Loans subject to bank approval.

Science.gov (United States)

2010-01-01

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

7 CFR 772.14 - Reamortization of AMP loans.

Science.gov (United States)

2010-01-01

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

24 CFR 510.1 - Multi-family property loans.

Science.gov (United States)

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...

Rules versus discretion in loan rate setting

NARCIS (Netherlands)

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

75 FR 9246 - Cooperative Share Loan Insurance

Science.gov (United States)

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...

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

Science.gov (United States)

2010-04-01

... 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...

13 CFR 120.315 - Interest rate and loan limit.

Science.gov (United States)

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...

42 CFR 57.213a - Loan cancellation reimbursement.

Science.gov (United States)

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...

Collateralised loan obligations (CLOs): A primer

OpenAIRE

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...

13 CFR 123.101 - When am I not eligible for a home disaster loan?

Science.gov (United States)

2010-01-01

... acquired voluntarily more than a 50 percent ownership interest in the damaged property after the disaster... Federal Emergency Management Agency solely to meet an emergency need pending processing of an SBA loan. In... purposes also eligible for an SBA loan; (d) SBA determines that you assumed the risk (for example, by not...

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

Science.gov (United States)

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...

7 CFR 1703.112 - Expedited telecommunications loans

Science.gov (United States)

2010-01-01

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

Commercial property loan valuations in the UK : implications of current trends in practice and liability

OpenAIRE

Crosby, Neil; Lavers, Anthony; Foster , Henry

1997-01-01

This paper is the second of two papers which aim to examine the major legal liability implications of changes to the commercial property loan valuation process caused by the recession in the UK property market and to make recommendations to valuers and their professional institutions to improve the quality of the process and the result. The objectives of this paper are to address a number of the practical implications of changes to the loan valuation process within the context of legal liabil...

32 CFR 623.5 - Loan of arms and accouterments.

Science.gov (United States)

2010-07-01

... the loan record with a credit entry and process the receipt to the inventory records as an increase on...', sailors', and orphans' homes for drill and instruction if recommended by the Governor of the state or...

Exit Counseling Guide for Federal Student Loan Borrowers

Science.gov (United States)

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…

Cumulative Student Loan Debt in Minnesota, 2015

Science.gov (United States)

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…

Enrollment Management: A Market-Centered Perspective

Science.gov (United States)

Kalsbeek, David H.; Hossler, Donald

2009-01-01

Enrollment management, the authors suggested in earlier essays, is a deliberate process of achieving an institution's preferred enrollment profile, starting by identifying the strategic purposes and mission of the institution, and then orchestrating the marketing, recruitment, admissions, pricing and aid, retention programs, academic support…

Credit Derivatives and Loan Pricing

NARCIS (Netherlands)

Norden, L.; Wagner, W.B.

2007-01-01

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

Student Loan Default Rates in Minnesota, 2007

Science.gov (United States)

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…

Loan Market Competition and Bank Risk-Taking

NARCIS (Netherlands)

Wagner, W.B.

2007-01-01

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

13 CFR 120.1822 - What is the process to apply for an SISMBD Loan?

Science.gov (United States)

2010-01-01

... loan; (2) A statement of the amount requested; (3) Applicant's IRS tax identification number; (4) A... prepared by an accountant, including a copy of its most recent outside audit report, a balance sheet, an...

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.

Using collateral to secure loans

OpenAIRE

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.

Measuring energy-saving retrofits: Experiences from the Texas LoanSTAR program

Energy Technology Data Exchange (ETDEWEB)

Haberl, J.S.; Reddy, T.A.; Claridge, D.E.; Turner, W.D.; O`Neal, D.L.; Heffington, W.M. [Texas A and M Univ., College Station, TX (United States). Energy Systems Lab.

1996-02-01

In 1988 the Governor`s Energy Management Center of Texas received approval from the US Department of Energy to establish a $98.6 million state-wide retrofit demonstration revolving loan program to fund energy-conserving retrofits in state, public school, and local government buildings. As part of this program, a first-of-its-kind, statewide Monitoring and Analysis Program (MAP) was established to verify energy and dollar savings of the retrofits, reduce energy costs by identifying operational and maintenance improvements, improve retrofit selection in future rounds of the LoanSTAR program, and initiate a data base of energy use in institutional and commercial buildings located in Texas. This report discusses the LoanSTAR MAP with an emphasis on the process of acquiring and analyzing data to measure savings from energy conservation retrofits when budgets are a constraint. This report includes a discussion of the program structure, basic measurement techniques, data archiving and handling, data reporting and analysis, and includes selected examples from LoanSTAR agencies. A summary of the program results for the first two years of monitoring is also included.

Can Student Loans Improve Accessibility to Higher Education and Student Performance? An Impact Study of the Case of SOFES, Mexico. World Bank Policy Research Working Paper 3425

Science.gov (United States)

Canton, Erik; Blom, Andreas

2004-01-01

Financial aid to students in tertiary education can contribute to human capital accumulation through two channels: increased enrollment and improved student performance. We analyze the quantitative importance of both channels in the context of a student loan program "Sociedad de Fomento a la Educacion, Superior" (SOFES) implemented at…

Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers

Science.gov (United States)

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…

50 CFR 12.36 - Donation or loan.

Science.gov (United States)

2010-10-01

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

19 CFR 351.505 - Loans.

Science.gov (United States)

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...

Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

OpenAIRE

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...

7 CFR 766.112 - Additional security for restructured loans.

Science.gov (United States)

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...

Discriminant Analysis of Student Loan Applications

Science.gov (United States)

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)

31 CFR 10.4 - Eligibility for enrollment as enrolled agent or enrolled retirement plan agent.

Science.gov (United States)

2010-07-01

...) Enrollment as an enrolled agent upon examination. The Director of the Office of Professional Responsibility may grant enrollment as an enrolled agent to an applicant who demonstrates special competence in tax... the Office of Professional Responsibility and who has not engaged in any conduct that would justify...

Loan Defaults in Africa

OpenAIRE

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 ...

12 CFR 583.12 - Multiple savings and loan holding company.

Science.gov (United States)

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...

12 CFR 583.11 - Diversified savings and loan holding company.

Science.gov (United States)

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...

75 FR 26706 - Information Collection; Direct Loan Making

Science.gov (United States)

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...

12 CFR 583.20 - Savings and loan holding company.

Science.gov (United States)

2010-01-01

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

7 CFR 772.10 - Transfer and assumption-AMP loans.

Science.gov (United States)

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...

A Trillion-Dollar Question: What Predicts Student Loan Delinquencies?

Science.gov (United States)

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…

78 FR 51046 - Registration of Mortgage Loan Originators

Science.gov (United States)

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...

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

Science.gov (United States)

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

(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.

7 CFR 160.74 - Loan of standards without security.

Science.gov (United States)

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...

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.

76 FR 6185 - Registration of Mortgage Loan Originators

Science.gov (United States)

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...

76 FR 30286 - Community Development Revolving Loan Fund

Science.gov (United States)

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...

75 FR 77935 - Patriot Express Pilot Loan Initiative

Science.gov (United States)

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...

An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

DEFF Research Database (Denmark)

Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

2014-01-01

We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...... of incentives. We apply two alternative multivariate structural default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian processes. Using a data set on annual farm level data from 1996 to 2009, we use the Danish agricultural sector as a case study and price an APS...... on an agricultural loan portfolio. We compute the economic capital for this loan portfolio with and without an APS. Moreover, we illustrate how model risk in the form of parameter uncertainty is reduced when an APS is attached to the loan portfolio....

Gender and Banking : Are Women Better Loan Officers?

NARCIS (Netherlands)

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

2009-01-01

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

7 CFR 1945.35 - Special EM loan training.

Science.gov (United States)

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...

42 CFR 57.1518 - Modification of loans.

Science.gov (United States)

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...

76 FR 5055 - Loan Servicing; Farm Loan Programs

Science.gov (United States)

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...

13 CFR 120.1707 - Seller's retained Loan Interest.

Science.gov (United States)

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...

13 CFR 120.1714 - Seller's Pool Loan servicing.

Science.gov (United States)

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...

13 CFR 120.1715 - Seller's Pool Loan liquidation.

Science.gov (United States)

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...

13 CFR 120.1713 - Seller's Pool Loan origination.

Science.gov (United States)

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...

13 CFR 120.1717 - Seller's Pool Loan deferments.

Science.gov (United States)

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...

7 CFR 3550.108 - Security requirements (loans only).

Science.gov (United States)

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...

24 CFR 207.252a - Premiums-operating loss loans.

Science.gov (United States)

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...

Pre-Enrollment Reimbursement Patterns of Medicare Beneficiaries Enrolled in “At-Risk” HMOs

Science.gov (United States)

Eggers, Paul W.; Prihoda, Ronald

1982-01-01

The Health Care Financing Administration (HCFA) has initiated several demonstration projects to encourage HMOs to participate in the Medicare program under a risk mechanism. These demonstrations are designed to test innovative marketing techniques, benefit packages, and reimbursement levels. HCFA's current method for prospective payments to HMOs is based on the Adjusted Average Per Capita Cost (AAPCC). An important issue in prospective reimbursement is the extent to which the AAPCC adequately reflects the risk factors which arise out of the selection process of Medicare beneficiaries into HMOs. This study examines the pre-enrollment reimbursement experience of Medicare beneficiaries who enrolled in the demonstration HMOs to determine whether or not a non-random selection process took place. The three demonstration HMOs included in the study are the Fallon Community Health Plan, the Greater Marshfield Community Health Plan, and the Kaiser-Permanente medical program of Portland, Oregon. The study includes 18,085 aged Medicare beneficiaries who had enrolled in the three plans as of April, 1981. We included comparison groups consisting of a 5 percent random sample of aged Medicare beneficiaries (N = 11,240) living in the same geographic areas as the control groups. The study compares the groups by total Medicare reimbursements for the years 1976 through 1979. Adjustments were made for AAPCC factor differences in the groups (age, sex, institutional status, and welfare status). In two of the HMO areas there was evidence of a selection process among the HMOs enrollees. Enrollees in the Fallon and Kaiser health plans were found to have had 20 percent lower Medicare reimbursements than their respective comparison groups in the four years prior to enrollment. This effect was strongest for inpatient services, but a significant difference also existed for use of physician and outpatient services. In the Marshfield HMO there was no statistically significant difference in pre-enrollment

The Confidentiality of Interlibrary Loan Records.

Science.gov (United States)

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…

Solar Mosaic Inc. Mosaic Home Solar Loan SunShot 9 Final Report

Energy Technology Data Exchange (ETDEWEB)

Walsh, Colin James [Solar Mosaic Inc., Oakland, CA (United States)

2017-02-09

The 6686 Mosaic SunShot award has helped Solar Mosaic Inc to progress from an early stage startup focused on commercial crowdfunding to a leading multi-state residential solar lender. The software platform is now used by the majority of the nation's top solar installers and offers a variety of simple home solar loans. Mosaic is has originated approximately $1Bil in solar loans to date to put solar on over 35k rooftops. The company now lends to homeowners with a wide range of credit scores across multiple states and mitigates boundaries preventing them from profiting from ownership of a home solar system. The project included milestones in 5 main categories: 1. Lending to homeowners outside of CA 2. Lending to homeowners with FICO scores under 700 3. Packaging O&M with the home solar loan 4. Allowing residential installers to process home solar loans via API 5. Lowering customer acquisition costs below $1500 This report includes a detailed review of the final results achieved and key findings.

7 CFR 1776.17 - Revolving loan fund maintenance.

Science.gov (United States)

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...

24 CFR 201.20 - Property improvement loan eligibility.

Science.gov (United States)

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...

14 CFR 1300.23 - Participation in guaranteed loans.

Science.gov (United States)

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...

7 CFR 773.21 - Loan decision, closing, and fees.

Science.gov (United States)

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...

78 FR 33755 - Project Financing Loans

Science.gov (United States)

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...

The effect of organizational hierarchy on loan rates and risk assessments

NARCIS (Netherlands)

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

42 CFR 57.313a - Loan cancellation reimbursement.

Science.gov (United States)

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...

12 CFR 614.4330 - Loan participations.

Science.gov (United States)

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...

Tranching in the Syndicated Loan Market

NARCIS (Netherlands)

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

2011-01-01

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

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

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

38 CFR 36.4524 - Sale of loans.

Science.gov (United States)

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...

7 CFR 1735.33 - Variable interest rate loans.

Science.gov (United States)

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...

50 CFR 31.11 - Donation and loan of wildlife specimens.

Science.gov (United States)

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...

7 CFR 1744.207 - Investment not to jeopardize loan security.

Science.gov (United States)

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...

19 CFR 351.506 - Loan guarantees.

Science.gov (United States)

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...

44 CFR 206.367 - Loan repayment.

Science.gov (United States)

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...

Analysis of Post Loan Disbursement Allocation and Performance of Non-Prime Household Loan in Microfinance Banks in Kenya

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.

26 CFR 300.8 - Renewal of enrollment of enrolled actuary fee.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Renewal of enrollment of enrolled actuary fee...) PROCEDURE AND ADMINISTRATION USER FEES § 300.8 Renewal of enrollment of enrolled actuary fee. (a) Applicability. This section applies to the renewal of enrollment of enrolled actuaries with the Joint Board for...

Announcement effects of convertible bond loans versus warrant-bond loans : An empirical analysis for the Dutch market

NARCIS (Netherlands)

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

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

Science.gov (United States)

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...

13 CFR 120.520 - Purchase of 7(a) loan guarantees.

Science.gov (United States)

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...

13 CFR 120.215 - What interest rates apply to smaller loans?

Science.gov (United States)

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...

75 FR 23218 - Information Collection; Direct Loan Servicing-Regular

Science.gov (United States)

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...

Transforming the Enrollment Experience Using Design Thinking

Science.gov (United States)

Apel, Aaron; Hull, Phil; Owczarek, Scott; Singer, Wren

2018-01-01

In an effort to simplify the advising and registration process and provide students with a more intuitive enrollment experience, especially at orientation, the University of Wisconsin-Madison's Office of the Registrar and Office of Undergraduate Advising co-sponsored a project to transform the enrollment experience. Using design thinking has…

42 CFR 57.1515 - Loan closing.

Science.gov (United States)

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...

7 CFR 160.75 - Loan of standards under security deposit.

Science.gov (United States)

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...

Single Family Loan Sale Initiative - National Offering

Data.gov (United States)

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

ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP LOAN TO DEPOSIT RATIO (LDR) PADA BANK BUMN PERSERO DI INDONESIA

OpenAIRE

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...

78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

Science.gov (United States)

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...

Policy Effectiveness of Loan for Delaying Timber Harvesting for Smallholder Private Forest in Indonesia

Directory of Open Access Journals (Sweden)

Bramasto Nugroho

2017-08-01

Full Text Available This study aimed to analyze policy effectiveness of loan for delaying timber harvesting for smallholder private forest business (Pinjaman Tunda Tebang Hutan Rakyat; hereinafter will be referred as PTT-HR. The analysis will be used to provide recommendations for improving PTT-HR scheme included scaling out and scaling up of the scheme for improving economic benefits and supporting smallholder private forest business as well as for strengthening farmer's welfare. Field survey was conducted in October–November 2013 in two districts in Central of Java, Indonesia namely Blora and Wonosobo District as recipient of PTT-HR from Public Service Agency for Forest Development Financing Center (BLU Center of P2H Ministry of Forestry, Republic of Indonesia. The results showed that PTT-HR policy has implemented effectively based on evaluation parameter derived from the objectives of policy namely the age of the stands for loan collateral, the capabilities for improving farmer's welfare, utilization of loan, perception of the farmers regarding to the ease of the process and purpose of loan utilization, and the capability of loan repayment. However, this research has not been answered the aspect of PTT-HR policy implementation efficiency

13 CFR 120.970 - Servicing of 504 loans and Debentures.

Science.gov (United States)

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...

45 CFR 1336.65 - Staffing and organization of the Revolving Loan Fund: Responsibilities of the Loan Administrator.

Science.gov (United States)

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...

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...

34 CFR 682.507 - Due diligence in collecting a loan.

Science.gov (United States)

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...

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

Science.gov (United States)

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...

76 FR 20459 - Savings and Loan Holding Company Application

Science.gov (United States)

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...

78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

Science.gov (United States)

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...

Selecting the best bank that offered Islamic personal loan package by using consistent fuzzy preference relations (CFPR)

Science.gov (United States)

Kadir, Norhidayah A.; Sarudin, Ezzah Suraya; Hamid, Fairus; Shamsuddin, Nor Diyana Ahmad

2014-10-01

There are various thoughts and opinions when it comes to how people think of their selected banks. Therefore, to choose the best bank with a good personal loan package can be a bit tricky especially for first time customer. This research offers a guide in choosing the right bank for applying personal loan package by highlighting the important criteria that applicants should take into consideration. In order to cater the problem above, we used Consistent Fuzzy Preference Relations (CFPR). Based on expert and public opinions, the important criteria in selecting an Islamic personal loan package are interest rate, tenure of loan, processing period and security of the loan. We developed questionnaire with the criteria mention earlier and distributed it among academic staffs and non academic staffs at Faculty of Computer and Mathematical Sciences (FSKM), UiTM Shah Alam. Based on the questionnaire, we found that four banks have been selected for multiple reasons. Before we could determine the best bank, calculations are divided into 2 phases which are criteria weights determination and ranking of alternatives. We implemented these phases to get the aggregation result and to obtain the ranking in descending order. As a result, our objectives have been achieved. As a conclusion, CFPR can help others in the decision making process.

29 CFR 4043.34 - Loan default.

Science.gov (United States)

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...

76 FR 35085 - Savings and Loan Holding Company Application

Science.gov (United States)

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...

13 CFR 120.881 - Ineligible Projects for 504 loans.

Science.gov (United States)

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...

13 CFR 120.612 - Loans eligible to back Certificates.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.612 Loans eligible to back Certificates. (a) Pool Certificates...

7 CFR 1786.209 - Outstanding loan documents.

Science.gov (United States)

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...

Shopping Center Financing: Pricing Loan Default Risk

OpenAIRE

Peter Chinloy; James Musumeci

1994-01-01

The financing structure of a shopping center is decomposed into an income security and two put options. These put options are respectively held by the borrower against the lender for default, and by the lender against an insurer or reinsurer. The prices of the put option depend on the loan-to-value ration of the loan and on the risk of the investment. The interest rate charged on the loan is the sum of four components: a riskless rate, lender production costs, and the net price of the put opt...

34 CFR 682.506 - Limitations on maximum loan amounts.

Science.gov (United States)

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...

76 FR 31217 - Single Family Housing Guaranteed Loan Program

Science.gov (United States)

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...

12 CFR 226.48 - Limitations on private education loans.

Science.gov (United States)

2010-01-01

... identified with a covered educational institution, in the marketing of private education loans in a way that implies that the covered education institution endorses the creditor's loans. (2) A creditor's marketing... regulation, paragraph (a)(1) of this section does not apply if the private education loan marketing includes...

7 CFR 1421.105 - Farm-stored marketing assistance loans.

Science.gov (United States)

2010-01-01

... quantity of the commodity is not eligible to be collateral for a marketing assistance loan unless the... storage of the marketing assistance loan collateral. (1) In such cases, the producer is not required to... producer intends to move marketing assistance loan collateral from a designated structure to another...

Testing the tools of development: credit programmes, loan involvement, and women's empowerment.

Science.gov (United States)

Ackerly, B A

1995-07-01

This study finds that income generation programs should not focus on women's labor as a means of empowerment. Empowerment should be directed to women's direct involvement in selling and accounting in the loan activity and in the techniques of lending agencies that promote empowerment. Borrowers are empowered through market activities and nonmarket strategies such as changing the institutional environment. Local women can be hired as group promoters. When payments are made to a collection post, local women promoters can be protected and travel to remote areas without fear for security. It is argued that goals are reached successfully, when tasks are clearly defined. Empowerment in this study means knowledge of accounting for the borrower's loan activity. It is argued that organizations that choose to make women's empowerment a goal can use this factor to measure program impact. Data for this study are obtained from the Bangladesh Rural Advancement Committee (BRAC), Grameen Bank (GB), and Save the Children, Bangladesh Field Office (SCF). The general model indicates that the borrower will be empowered in the process of taking out a loan and investing it in an activity. The likelihood that the credit process will lead to empowerment, given the multiple lending options, is tested in a probit model. Explanatory variables include location, borrower's direct contribution of labor to all or part of the activity, a borrower's direct involvement in buying supplies or selling or accounting for the loan, the lending organization (BRAC, GB, or SCF), loan amount, number of years of borrowing, and borrower position as a center or group chair. The results are based on the 826 loans of the 613 female borrowers. Significant features that contributed to borrower's knowledge included, in the order of significance, participation in accounting, selling, and labor. The key factor appeared to be market access. The impact of organization and involvement was maximized among individuals who

Neuro-Based Artificial Intelligence Model for Loan Decisions

OpenAIRE

Shorouq F. Eletter; Saad G. Yaseen; Ghaleb A. Elrefae

2010-01-01

Problem statement: Despite the increase in consumer loans defaults and competition in the banking market, most of the Jordanian commercial banks are reluctant to use artificial intelligence software systems for supporting loan decisions. Approach: This study developed a proposed model that identifies artificial neural network as an enabling tool for evaluating credit applications to support loan decisions in the Jordanian Commercial banks. A multi-layer feed-forward neural network with backpr...

7 CFR 1427.174 - Maturity of seed cotton loans.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427.174 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION... Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...

Bank loan portfolios and the Canadian monetary transmission mechanism

NARCIS (Netherlands)

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

2009-01-01

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

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

Energy Technology Data Exchange (ETDEWEB)

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

2014-05-30

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

24 CFR 232.565 - Maximum loan amount.

Science.gov (United States)

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...

7 CFR 761.9 - Interest rates for direct loans.

Science.gov (United States)

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates for direct loans. 761.9 Section 761.9... AGRICULTURE SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.9 Interest rates for direct loans. Interest rates for all direct loans are set in accordance with the Act. A copy of the...

7 CFR 772.7 - Leasing minor program loan security.

Science.gov (United States)

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan security. (a) Eligibility. The Agency may consent to the borrower leasing all or a portion of security...

7 CFR 761.209 - Loan funds for beginning farmers.

Science.gov (United States)

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...

26 CFR 1.141-5 - Private loan financing test.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Private loan financing test. 1.141-5 Section 1... loan financing test. (a) In general. Bonds of an issue are private activity bonds if more than the... determining whether the private loan financing test is met. In determining whether the proceeds of an issue...

Bad Loans and Loan Write-Offs

OpenAIRE

福田, 慎一; 鯉渕, 賢

2006-01-01

In this paper, we investigate who bears the burden when writing off bad loans in Japan. Traditionally, Japanese main banks bore large burdens in saving their customers. We still find that some main banks bear a large burden in saving their customers. However, in most cases, main banks became very reluctant to bear large burdens when bailing out their customers. In the transition from the bank-based system to a market-based system, traditional implicit rules are collapsing dramatically. We sug...

25 CFR 101.2 - Kinds of loans.

Science.gov (United States)

2010-04-01

... associations, corporations and partnerships, to finance economic enterprises operated for profit, the operation... training programs. Loans may also be made by the United States to tribes for loaning to or investing in... thereof, corporations and partnerships, to finance economic enterprises operated for profit, the operation...

A New Paradigm in Mortgage Loan Advice

DEFF Research Database (Denmark)

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

2013-01-01

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

[A study on English loan words in French plastic surgery].

Science.gov (United States)

Hansson, E; Tegelberg, E

2014-10-01

The French language is less and less used as an international scientific language and many French researchers publish their work in English. Nowadays, Annales de Chirurgie Plastique Esthétique is the only international plastic surgical journal published completely in French. The use of English loan words in French plastic surgery has never been studied. The aim of this study was to describe the frequency and types of English loan words in French plastic surgery. A corpus consisting of all the articles in a number of Annales de Chirurgie Plastique Esthethique, chosen by default, was created. The frequency of English loan words was calculated and the types of words were analysed. The corpus contains 367 (0.8%) English loan words. Most of them are non-integrated loan words and calques. The majority of the plastic surgical loan words describe surgical techniques. The French plastic surgical language seems to be influenced by English. The usage of loan words does not always follow the recommendations and the usage is sometimes ambiguous. Copyright © 2014 Elsevier Masson SAS. All rights reserved.

Managing Bad Loans of Domestic Banks under Modern Economic Conditions

Directory of Open Access Journals (Sweden)

Bolhar Tetyana M.

2014-01-01

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

From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report

Science.gov (United States)

Fernandez, Chris

2015-01-01

Legally mandated student loan exit counseling attempts to prepare borrowers of federal student loans for the repayment process; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the second in a series of five from TG Research) describes a study in which researchers…

The Effectiveness of Corporate Boards: Evidence from Bank Loan Contracting

OpenAIRE

Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

2009-01-01

This paper investigates the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and non-price loan terms (e.g., interest rates, collateral, covenants and performance pricing) are more favorable and syndicated loans comprise more lenders. In addition, board size, board diversity, audit committee structure and other director characteristics also influence bank loan price. However they do not consistently affect all non-price loa...

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

Science.gov (United States)

2010-01-01

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

12 CFR 528.6 - Loan application register.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loan application register. 528.6 Section 528.6 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION... Mortgage Disclosure Act Loan Application Registers with the Office of Thrift Supervision in accordance with...

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

Science.gov (United States)

2010-01-01

.... Loans that are excepted from the definition of member business loans are not counted for the purpose of... automobile loans, 20% credit card loans, and 13% total other real estate loans, then the credit union meets...

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

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan..., shall bear interest at the rate determined as established below, but not less than 5 percent per annum...

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

Science.gov (United States)

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Dina Bakti Pertiwi

2015-01-01

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

42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

Science.gov (United States)

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...

7 CFR 4279.113 - Eligible loan purposes.

Science.gov (United States)

2010-01-01

..., whichever is less. (i) Purchase of membership, stocks, bonds, or debentures necessary to obtain a loan from... to obtain a loan. (k) Aquaculture, including conservation, development, and utilization of water for... projects that produce biomass fuel or biogas as an output must have completed two operating cycles at...

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

Science.gov (United States)

2012-12-07

... Federal Direct Loan Program AGENCY: Office of Postsecondary Education, Department of Education. ACTION... document to establish the date for the early implementation of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new income-contingent repayment plan based on the President...

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

Science.gov (United States)

2013-07-29

..., et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education... General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL...

7 CFR 3565.204 - Maximum loan amount.

Science.gov (United States)

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...

Logit Analysis for Profit Maximizing Loan Classification

OpenAIRE

Watt, David L.; Mortensen, Timothy L.; Leistritz, F. Larry

1988-01-01

Lending criteria and loan classification methods are developed. Rating system breaking points are analyzed to present a method to maximize loan revenues. Financial characteristics of farmers are used as determinants of delinquency in a multivariate logistic model. Results indicate that debt-to-asset and operating ration are most indicative of default.

Female entrepreneurs in trouble: do their bad loans last longer?

OpenAIRE

Juri Marcucci; Paolo Emilio Mistrulli

2013-01-01

We investigate the duration of bad loans for a unique data set of sole proprietorships in Italy, finding that bad loans for female firms last longer. However, this result is mainly due to the fact that loans granted to female firms are less frequently written off than those to male ones, suggesting that for banks female firms might be more creditworthy than male firms. These findings are robust to censoring, alternative specifications of the distribution of bad loan duration and other bank-sp...

Customer Satisfaction on Small Business Loan by BDO Unibank Inc.: Basis for Service Enhancement

Directory of Open Access Journals (Sweden)

AILEN P. DEVICAIS

2014-06-01

Full Text Available Due to global economic shifts, many businesses especially in service sector modified the way they do their business, attempted to attract and hold customers. They tend to focus in providing quality customer service and environment in which clientele wants are satisfied. This study aimed to propose customer satisfaction enhancement measures on small business loan offered by BDO Unibank, Inc. in Batangas City. Specifically, it aimed to determine the level of customers’ satisfaction in terms of Personal Skills and Business Environment and to test if such service quality dimensions significantly relate with their demographic variables. The descriptivecorrelation method of research was used in the study. The study showed customers of BDO who availed small business loan in 2012 are relatively middle aged female having loan availment of One Million to Five Million. Most of them are first timer and repeat clients. Almost all rated customer service on small business loan as to Personal Skills and Business environment as highly satisfied, however BDO still needs to provide services that make all quality services dimensions highly satisfied. The assessment of the personal skills is affected by what kind of occupation the client has and frequency of his/her loan availment. For only empathy and responsiveness among SERVQUAL dimensions when correlated to nature of work and number of loan availment show significant relationship, thus leaving the null hypothesis rejected. On the other hand, the level of customer satisfaction as to business environment is being affected by processing transaction and safety and security since both show significant relationship on the total amount availed and the respondents age. This was supported by the resulted p-values and indicates that the above mentioned variables were affected by their profile. Proposed service enhancement measures were based on results of the quality service dimensions as assessed by the loan customers.

Promoting renewables through soft loans

International Nuclear Information System (INIS)

Marcks, C.

1999-01-01

The DtA, founded in 1950s, is a federal institution owned by the German government. It assists the government to implement its economic, environmental and social policy. Financial assistance is being granted mainly through soft loans. Such loans are a flexible instrument, permitting to partially correct prices without severely distorting market forces. They assure total financing while spreading the subsidy over the entire period of the engagement. This avoids windfall opportunities often related to direct subsidies. Investors, therefore, have an intrinsic motivation to only submit sound and profitable projects. (orig./RHM)

78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

Science.gov (United States)

2013-08-09

... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department... mortgage holders in the Department of Veterans Affairs (VA) loan guaranty program concerning the percentage to be used in calculating the purchase price of a property that secured a terminated loan. The new...

31 CFR 10.6 - Enrollment as an enrolled agent or enrolled retirement plan agent.

Science.gov (United States)

2010-07-01

... Director of the Office of Professional Responsibility as a professional organization or society whose... or societies wishing to be considered as qualified sponsors must request this status from the... in paragraph (f) of this section. (o) Enrolled actuaries. The enrollment and the renewal of...

26 CFR 1.7872-5 - Exempted loans.

Science.gov (United States)

2010-04-01

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

24 CFR 573.7 - Loan guarantee agreement.

Science.gov (United States)

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...

12 CFR 211.45 - Accounting for fees on international loans.

Science.gov (United States)

2010-01-01

... accordance with generally accepted accounting principles. [Reg. K, 68 FR 1159, Jan. 9, 2003] Interpretations ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounting for fees on international loans. 211... Accounting for fees on international loans. (a) Restrictions on fees for restructured international loans. No...

34 CFR 682.100 - The Federal Family Education Loan programs.

Science.gov (United States)

2010-07-01

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

42 CFR 57.1512 - Length and maturity of loans.

Science.gov (United States)

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...

Microcredit Loan Repayment Default among Small Scale ...

African Journals Online (AJOL)

The model is applied to primary data from a survey of 200 small scale entrepreneurs in the Upper West Region of Ghana. Results show that enterprise size, interest rate, loan duration, level of profit and loan amount are the simultaneous determinants of probability and rate of default. The study recommends that the National ...

13 CFR 107.810 - Financings in the form of Loans.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Financings in the form of Loans... INVESTMENT COMPANIES Financing of Small Businesses by Licensees Structuring Licensee's Financing of Eligible Small Businesses: Types of Financing § 107.810 Financings in the form of Loans. You may make Loans to...

7 CFR 3575.80 - Interest rate changes after loan closing.

Science.gov (United States)

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...

Of religion and redemption : Evidence from default on Islamic loans

NARCIS (Netherlands)

Baele, L.T.M.; Farooq, Moazzam; Ongena, S.R.G.

We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on conventional

34 CFR 682.206 - Due diligence in making a loan.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in making a loan. 682.206 Section 682.206 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY... Due diligence in making a loan. (a) General. (1) Loan-making duties include determining the borrower's...

13 CFR 120.391 - What is the Builders Loan Program?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

42 CFR 57.1507 - Limitations applicable to loan guarantee.

Science.gov (United States)

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...

12 CFR 591.3 - Loans originated by Federal savings associations.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loans originated by Federal savings... PREEMPTION OF STATE DUE-ON-SALE LAWS § 591.3 Loans originated by Federal savings associations. (a) With regard to any real property loan originated or to be originated by a Federal savings association, as a...

25 CFR 103.15 - Are there any prohibited loan terms?

Science.gov (United States)

2010-04-01

... otherwise lawful, a tribe may provide as loan security an assignment of trust income from a specific source. ... 25 Indians 1 2010-04-01 2010-04-01 false Are there any prohibited loan terms? 103.15 Section 103.15 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOAN GUARANTY...

7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

Science.gov (United States)

2010-01-01

...) Installment on note and other charges—(1) Direct loan accounts. For a borrower with a direct loan, the term... loan accounts. “Loan insurance charge” means a separate insurance charge applying to FO and SW insured... loans evidenced by note forms bearing a form date of January 8, 1959, or later, the insurance charge is...

7 CFR 1427.7 - Maturity of loans.

Science.gov (United States)

2010-01-01

... than the last day of the 9th calendar month following the month in which the note and security agreement is filed under § 1427.5(a). (2) CCC may at any time accelerate the loan maturity date by providing... cotton may have in excess of the amount of the loan, plus interest and charges. (c) Following written...

77 FR 27798 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

Science.gov (United States)

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...

Calculating the Probability of Returning a Loan with Binary Probability Models

Directory of Open Access Journals (Sweden)

Julian Vasilev

2014-12-01

Full Text Available The purpose of this article is to give a new approach in calculating the probability of returning a loan. A lot of factors affect the value of the probability. In this article by using statistical and econometric models some influencing factors are proved. The main approach is concerned with applying probit and logit models in loan management institutions. A new aspect of the credit risk analysis is given. Calculating the probability of returning a loan is a difficult task. We assume that specific data fields concerning the contract (month of signing, year of signing, given sum and data fields concerning the borrower of the loan (month of birth, year of birth (age, gender, region, where he/she lives may be independent variables in a binary logistics model with a dependent variable “the probability of returning a loan”. It is proved that the month of signing a contract, the year of signing a contract, the gender and the age of the loan owner do not affect the probability of returning a loan. It is proved that the probability of returning a loan depends on the sum of contract, the remoteness of the loan owner and the month of birth. The probability of returning a loan increases with the increase of the given sum, decreases with the proximity of the customer, increases for people born in the beginning of the year and decreases for people born at the end of the year.

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

Science.gov (United States)

Westfall, Elizabeth W.; Zimmerman, Anne R.

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

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.

Microcredit Contracts, Risk Diversification and Loan Take-Up

NARCIS (Netherlands)

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

2016-01-01

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

12 CFR 584.4 - Certain acquisitions by savings and loan holding companies.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Certain acquisitions by savings and loan... TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.4 Certain acquisitions by savings and loan holding companies. (a) Acquisitions by a savings and loan holding company of more than five percent of a non...

“Time for a Change”: Loan conditions and bank behavior when firms switch banks

OpenAIRE

Ongena, Steven; Ioannidou, Vasso

2010-01-01

This paper studies loan conditions when firms switch banks. Recent theoretical work on bank–firm relationships motivates our matching models. The dynamic cycle of the loan rate that we uncover is as follows: a loan granted by a new (outside) bank carries a loan rate that is significantly lower than the rates on comparable new loans from the firm's current (inside) banks. The new bank initially decreases the loan rate further but eventually ratchets it up sharply. Other loan conditions follow ...

7 CFR 1436.9 - Loan amount and loan application approvals.

Science.gov (United States)

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...

Business cycle effects on commercial bank loan portfolio performance in developing economies

Directory of Open Access Journals (Sweden)

Jack Glen

2011-04-01

Full Text Available This paper studies the effects of business cycles on the performance of commercial bank loan portfolios across major developing economies in the period 1996–2008. We measure loan performance via loan loss provisions (that is, recognized expenses related to expected losses in bank income statements. Our results indicate that while economic growth is the main driver of loan portfolio performance, interest rates have second-order effects. Furthermore, we find the relationship between loan loss provisions and economic growth to be highly non-linear only under extreme economic stress: GDP growth needs to decline by more than 6 percentage points (pp, in absolute terms in order to generate an increase in loan loss provisions equivalent to median emerging market bank profits; while a decline of more than 10 pp in growth implies significant capital losses, of at least 20 percent, for the median emerging market bank. In addition, we find higher loan loss provisions are associated with private sector leverage, poor loan portfolio quality, and lack of banking system penetration and capitalization.

On Chinese Loan Words from English Language

Science.gov (United States)

Yan, Yun; Deng, Tianbai

2009-01-01

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

Can Equity Volatility Explain the Global Loan Pricing Puzzle?

OpenAIRE

Lewis Gaul; Pinar Uysal

2013-01-01

This paper examines whether unobservable differences in firm volatility are responsible for the global loan pricing puzzle, which is the observation that corporate loan interest rates appear to be lower in Europe than in the United States. We analyze whether equity volatility, an error prone measure of firm volatility, can explain this difference in loan spreads. We show that using equity volatility in OLS regressions will result in biased and inconsistent estimates of the difference in U.S. ...

11 CFR 100.111 - Gift, subscription, loan, advance or deposit of money.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Gift, subscription, loan, advance or deposit of... DEFINITIONS (2 U.S.C. 431) Definition of Expenditure (2 U.S.C. 431(9)) § 100.111 Gift, subscription, loan, advance or deposit of money. (a) A purchase, payment, distribution, loan (except for a loan made in...

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

Science.gov (United States)

2013-11-01

... Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and... Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL) Program, and... Vol. 78 Friday, No. 212 November 1, 2013 Part II Department of Education 34 CFR Parts 668, 674...

77 FR 20890 - Proposed Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activity...

Science.gov (United States)

2012-04-06

... (Interest Rate Reduction Refinancing Loan Worksheet) Activity: Comment Request AGENCY: Veterans Benefits... to determine whether lenders computed the loan amount on interest rate reduction refinancing loans.... Title: Interest Rate Reduction Refinancing Loan Worksheet, VA Form 26-8923. OMB Control Number: 2900...

Strategic loan defaults and coordination : An experimental analysis

NARCIS (Netherlands)

Trautmann, S.T.; Vlahu, R.

2013-01-01

This paper experimentally studies the impact of bank and borrower fundamentals on loan repayment. We find that solvent borrowers are more likely to default strategically when the bank’s expected strength is low, although loan repayment is a Pareto dominant Nash equilibrium. Borrowers are also less

76 FR 29147 - Federal Home Loan Bank Investments

Science.gov (United States)

2011-05-20

...-AA32 Federal Home Loan Bank Investments AGENCY: Federal Housing Finance Agency; Federal Housing Finance...-adopting existing investment regulations that apply to the Federal Home Loan Banks (Banks) and that were...' investment in mortgage-backed securities (MBS) and certain asset-backed securities (ABS) that were previously...

State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs

Energy Technology Data Exchange (ETDEWEB)

Lantz, E.

2010-05-01

High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This report discusses ways to increase the impact of these loan programs and suggests related policy design considerations.

75 FR 22681 - Prohibited Service at Savings and Loan Holding Companies

Science.gov (United States)

2010-04-29

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Prohibited Service at Savings and Loan... concerning the following information collection: Title of Proposal: Prohibited Service at Savings and Loan... with a savings and loan holding company (SLHC), the SLHC or the individual will need to apply to the...

Optimism in Enrollment Management

Science.gov (United States)

Buster-Williams, Kimberley

2016-01-01

Enrollment managers, like most managers, have goals that must be focused on with precision, excitement, and vigor. Enrollment managers must excel at enrollment planning. Typically, enrollment planning unites undergraduate and graduate recruitment plans, out-of-state recruitment plans, marketing plans, retention plans, international enrollment…

7 CFR 3560.67 - Rates and terms for section 515 loans.

Science.gov (United States)

2010-01-01

... housing, loans will be amortized over a period not to exceed the lesser of the economic life of the... Section 3560.67 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination...

12 CFR 614.4080 - Loans and chartered territory-banks for cooperatives.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-banks for cooperatives. 614.4080 Section 614.4080 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4080 Loans and chartered territory—banks for...

7 CFR 3560.455 - Special servicing actions related to loan accounts.

Science.gov (United States)

2010-01-01

... loan security is sold and there is a need to reestablish the financial stability of the housing project... 7 Agriculture 15 2010-01-01 2010-01-01 false Special servicing actions related to loan accounts... HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Special Servicing...

7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

Science.gov (United States)

2010-01-01

... security and recovery of loan losses must provide for the pro rata recovery and distribution between the... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural...

12 CFR 584.2a - Exempt savings and loan holding companies and grandfathered activities.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exempt savings and loan holding companies and... THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2a Exempt savings and loan holding companies and grandfathered activities. (a) Exempt savings and loan holding companies. (1) The following savings and loan...

7 CFR 1980.424 - Term of loan repayment.

Science.gov (United States)

2010-01-01

... scheduled for payment as agreed upon by the lender and applicant but on terms that reasonably assure repayment of the loan. However, the first installment to include a repayment of principal may be scheduled... collateral obsolescence prior to full repayment of the indebtedness. The loan file must be documented to...

7 CFR 1717.853 - Loan terms and conditions.

Science.gov (United States)

2010-01-01

... Accommodations and Subordinations for 100 Percent Private Financing § 1717.853 Loan terms and conditions. (a) Terms and conditions. A loan, bond or other financing instrument, for which a lien accommodation or... also waive its right of approval in other cases. RUS's decision to waive its right of approval will...

Relationships Affecting Enrollment Using Social, Economic, and Academic Data

Science.gov (United States)

Britton, R. Jason

2012-01-01

The process of strategically planning enrollment in higher education, particularly at private institutions has seen tremendous changes in a short period of time. Changes in perspectives toward the value of a college degree, along with economic and social factors, have contributed to the difficulty of discovering relationships affecting enrollment.…

42 CFR 438.810 - Expenditures for enrollment broker services.

Science.gov (United States)

2010-10-01

... activities such as distributing, collecting, and processing enrollment materials and taking enrollments by...; or (iii) Owns or controls an MCO, PIHP, PAHP, PCCM or other health care provider in the State. (2... been, or is now, subject to civil money penalties under the Act. (3) Approval. The initial contract or...

PROBLEMS RELATED TO THE ADAPTATION OF SOME ENGLISH LOAN WORDS IN CROATIAN AND POLISH LANGUAGE

Directory of Open Access Journals (Sweden)

Maciek Czerwiński

2000-01-01

Full Text Available Many languages in the new era are open to the influence of English language. There is no doubt about it but process of adaptation in various languages can run quite different. I focused in the article on such problems. Adaptation itself of every single loan word (and thus English loan word as well runs on the three basic levels: phonological, morphological and semantic. On every level we find some particular tendencies in particular language. To research them properly we should look at another language and compare them.

The Influence of Bi Rate to the Distribution of Working Capital Loans

Directory of Open Access Journals (Sweden)

Dian Kurnianingrum

2015-11-01

Full Text Available This research “The influence of BI rate to the distribution of working capital loans" is conducted at Indonesian commercial bank during the month of January 2005 until May 2009. The purpose of this research is to determine the effect of BI rate toward the distribution of working capital loans. To test the research hypotheses, the data were analyzed by using Pearson correlate and simple linear regression. Based on research, BI rate significantly influence the distribution of working capital loans. BI rate gives a negative impact to the distribution of working capital loans. It means, the increase in BI rate will decrease the distribution of working capital loans, and vice versa, the decrease in BI rate will increase the distribution of working capital loans.

12 CFR 221.108 - Effect of registration of stock subsequent to making of loan.

Science.gov (United States)

2010-01-01

... than the maximum loan value for the collateral specified in this part. (c) If the stock should become... increase the amount of the loan balance unless there was provided additional collateral having a maximum... value of the loan collateral or because of a decrease by the Board in the maximum loan value of the loan...

76 FR 33028 - Agency Information Collection (Requirements for Interest Rate Reduction Refinancing Loans...

Science.gov (United States)

2011-06-07

... (Requirements for Interest Rate Reduction Refinancing Loans) Activity Under OMB Review AGENCY: Veterans Benefits...: Requirements for Interest Rate Reduction Refinancing Loans. OMB Control Number: 2900-0601. Type of Review..., insured, or direct loan with a new loan at a lower interest rate provided that the veteran still owns the...

Loan and nonloan flows in the Australian interbank network

Science.gov (United States)

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

2012-05-01

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

Loans may keep CERN collider on target

CERN Multimedia

Abbott, A

1996-01-01

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

7 CFR 1710.106 - Uses of loan funds.

Science.gov (United States)

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...

Public Service Loan Forgiveness. NASFAA Task Force Report

Science.gov (United States)

National Association of Student Financial Aid Administrators, 2014

2014-01-01

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

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

13 CFR 120.434 - What are SBA's requirements for loan pledges?

Science.gov (United States)

2010-01-01

... satisfactory SBA performance, as determined by SBA in its discretion. The Lender's Risk Rating, among other... BUSINESS LOANS Lenders Other Conveyances § 120.434 What are SBA's requirements for loan pledges? (a) Except... 7(a) loan, which consent SBA may withhold in its sole discretion; (b) The Lender must be in good...

13 CFR 120.1860 - How will the SISMBD Loan be disbursed?

Science.gov (United States)

2010-01-01

... other Collateral required by SBA and verification of the required first lien position. SBA will advance... less. Thus, if the loan is purchased at a discount to the principal balance, SBA will not advance more... SISMBD requests an advance under its SISMBD Loan, it will submit a written Loan Advance Request Form to...

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.

7 CFR 1782.13 - Transfer of security and assumption of loans.

Science.gov (United States)

2010-01-01

... at the same interest rate as on the borrower's note(s) or bond(s). The maturity of the debt... loans have the same interest rate and are for the same purpose. If applicable, 7 CFR part 1780 will... processing. (2) The transfer will not be disadvantageous to the Government as determined by the approval...

34 CFR 682.209 - Repayment of a loan.

Science.gov (United States)

2010-07-01

... combined into one account and repaid under one repayment schedule. In that event, the word “loan” in this... 34 Education 3 2010-07-01 2010-07-01 false Repayment of a loan. 682.209 Section 682.209 Education..., DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.209 Repayment...

7 CFR 2201.28 - Participation in guaranteed Loans.

Science.gov (United States)

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...

24 CFR 236.253 - Premiums-operating loss loans.

Science.gov (United States)

2010-04-01

... Obligations for Mortgage Insurance § 236.253 Premiums—operating loss loans. All of the provisions of § 207.252a of this chapter relating to mortgage insurance premiums on operating loss loans shall apply to... Act the mortgage insurance premiums due in accordance with § 207.252a shall be calculated on the basis...

5 CFR 1655.3 - Information concerning the cost of a loan.

Science.gov (United States)

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Information concerning the cost of a loan... § 1655.3 Information concerning the cost of a loan. Information concerning the cost of a loan is provided... office or service, or from the TSP record keeper). From this information, a participant can determine the...

Options to Change Interest Rates and Other Terms on Student Loans

Science.gov (United States)

Congressional Budget Office, 2013

2013-01-01

The Federal Direct Student Loan Program offers loans to students and their parents to help pay for postsecondary education. Under current law, about $1.4 trillion in new direct loans will be made to students between 2013 and 2023, the Congressional Budget Office (CBO) projects. Analysts and policymakers have raised concerns about various features…

12 CFR 7.2019 - Loans secured by a bank's own shares.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loans secured by a bank's own shares. 7.2019... AND OPERATIONS Corporate Practices § 7.2019 Loans secured by a bank's own shares. (a) Permitted... the bank's custody. (b) Use of capital notes and debentures. A national bank may not make loans...

17 CFR 210.12-29 - Mortgage loans on real estate. 1

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

7 CFR 1401.3 - Payments to persons with outstanding CCC loans.

Science.gov (United States)

2010-01-01

... sell to CCC a quantity of the commodity pledged as collateral for a CCC loan, as determined by CCC, in... loan collateral the person shall be required to redeem in order to receive payment. The purchase price... the subsequent sale to CCC of the commodity pledged as collateral for such CCC loan, CCC shall make...

Purchasing complex services on the Internet; An analysis of mortgage loan acquisitions

NARCIS (Netherlands)

B.L.K. Vroomen (Björn); A.C.D. Donkers (Bas); P.C. Verhoef (Peter); Ph.H.B.F. Franses (Philip Hans)

2003-01-01

textabstractIn contrast to, for example, books and compact discs, the number of complex services offered on the Internet is still small. A good example of such a service concerns mortgage loans. The decision-making process differs for complex services in that they have an extra intermediate step of

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

Science.gov (United States)

2010-01-01

....00 processing fee. (d) All services in this section will incur a billing surcharge per invoice... RESEARCH SERVICE, DEPARTMENT OF AGRICULTURE NATIONAL AGRICULTURAL LIBRARY FEES FOR LOANS AND COPYING § 505....00, is billed as a direct cost recovery based on charges to the library by the billing vendor...

Managing Bad Loans of Domestic Banks under Modern Economic Conditions

OpenAIRE

Bolhar Tetyana M.

2014-01-01

The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of ...

Fall Enrollment Report. 2014

Science.gov (United States)

Iowa Department of Education, 2014

2014-01-01

This report summarizes and analyzes fall enrollment in Iowa's community colleges. Each year, Iowa's 15 community colleges submit data on enrollment on the 10th business day of the fall semester. Some highlights from this report include: (1) Fall 2014 enrollment was 93,772 students--a decline of 0.49 percent from last fall; (2) Enrollment continues…

Interlibrary loan and document delivery best practices for operating and managing interlibrary loan services in all libraries

CERN Document Server

Hilyer, Lee Andrew

2013-01-01

A must-have for librarians and their staffs working at all levels?from beginner to expertInterlibrary Loan and Document Delivery is a how-to guide to organizing an interlibrary loan department, providing extensive content on copyright law, ILL management systems, and human resources. This comprehensive book includes an introduction to ILL operations, governing policies, up-to-date information on borrowing and lending, and considerations for medicals libraries and distance learning. It also includes an extensive listing of resources relevant to today's ILL that serves as a handy des

12 CFR 709.12 - Prepayment fees to Federal Home Loan Bank.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Prepayment fees to Federal Home Loan Bank. 709... FEDERALLY INSURED CREDIT UNIONS IN LIQUIDATION § 709.12 Prepayment fees to Federal Home Loan Bank. The Board... of credit from a Federal Home Loan Bank will allow a claim for a prepayment fee by the Bank if: (a...

Student Loan Forbearance and Its Relationship to Default. Synopsis: Higher Education Research Highlights.

Science.gov (United States)

Price, Derek V.

As the number and volume of student loans increase nationally, lenders and policymakers look more closely at the use of loan forbearance. This paper examines whether forbearance really cuts the risk of loan default by reporting on a study of more than 9,800 Stafford loans in forbearance in December 1996. That research shows that the default rate…

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

Science.gov (United States)

2011-02-15

... Nurse Anesthetists.). (l) Podiatry: D.P.M. (m) Physical Rehabilitation Services: Physical Therapy... program site determined by the Secretary. Loan repayment sites are characterized by physical, cultural... allopathic medicine, family medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and...

75 FR 41877 - Insured Healthcare Facilities 232 Loan Application

Science.gov (United States)

2010-07-19

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-65] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY... Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New. Form Numbers...

75 FR 16821 - Insured Healthcare Facilities 232 Loan Application

Science.gov (United States)

2010-04-02

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-23] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY...: Title of Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New...

Denmark; Systemic Issues in Mortgage Loans and Covered Bond Finance: Technical Note

OpenAIRE

International Monetary Fund

2014-01-01

This technical note analyzes systemic issues in mortgage loans and covered bond finance in Denmark. Mortgage lending has seen significant product innovation in recent years. Loans with adjustable interest rates and/or interest-only periods, which have been introduced since the late 1990s, had grown to 75 percent and 53 percent, respectively, of total outstanding mortgage loans at the end of 2013. The major changes in the characteristics of the underlying mortgage loans have naturally been ref...

34 CFR 601.11 - Private education loan disclosures and self-certification form.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Private education loan disclosures and self...-Affiliated Organizations § 601.11 Private education loan disclosures and self-certification form. (a) A... education loan disclosures to the prospective borrower, regardless of whether the covered institution or...

12 CFR Appendix IV to Part 27 - Home Loan Data Submission

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Home Loan Data Submission IV Appendix IV to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. IV Appendix IV to Part 27—Home Loan Data Submission ER21JN94.003 ER21JN94...

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

Science.gov (United States)

2013-02-04

...: Physical Therapy, Occupational Therapy, Speech-Language Pathology, and Audiology: M.S. and D.P.T. (q... site determined by the Secretary. Loan repayment sites are characterized by physical, cultural, and..., internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine, nursing...

Informed or Overwhelmed? A Legislative History of Student Loan Counseling with a Literature Review on the Efficacy of Loan Counseling. Research Report

Science.gov (United States)

Klepfer, Kasey

2015-01-01

This report (the first in a series of five) explores congressional efforts to mitigate that risk and encourage informed borrowing by enacting statutes related to student loan counseling. After introducing the relevant contemporary policy context, it examines how federal rules governing student loan counseling evolved over time to embrace online…

24 CFR 201.26 - Conditions for loan disbursement.

Science.gov (United States)

2010-04-01

... with § 201.20(c). (4) Where the proceeds are to be used for a fire safety equipment loan, the lender... jurisdiction over the fire safety requirements of health care facilities in accordance with § 201.20(c). (5) In... transaction, and if any part of the initial payment was obtained through a gift or loan, the source of the...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan installments, delinquency, and acceleration of... FACILITY LOAN PROGRAM REGULATIONS § 1436.13 Loan installments, delinquency, and acceleration of maturity... delinquency, CCC may permit a rescheduling of the debt or other measures consistent with the collection of...

Relevance of financial information in quick loans negotiation

Directory of Open Access Journals (Sweden)

Salvador Cruz Rambaud

2017-02-01

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

Enrollment Time as a Requirement for Biometric Hand Recognition Systems

OpenAIRE

Carvalho, João; Sá, Vítor; Tenreiro de Magalhães, Sérgio; Santos, Henrique

2015-01-01

Biometric systems are increasingly being used as a means for authentication to provide system security in modern technologies. The performance of a biometric system depends on the accuracy, the processing speed, the template size, and the time necessary for enrollment. While much research has focused on the first three factors, enrollment time has not received as much attention. In this work, we present the findings of our research focused upon studying user’s behavior when enrolling in...

7 CFR 4290.810 - Financings in the form of Loans.

Science.gov (United States)

2010-01-01

...-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BUSINESS INVESTMENT COMPANY...-Types of Financings § 4290.810 Financings in the form of Loans. You are permitted to make Loans to an...

77 FR 54839 - Energy Efficiency and Conservation Loan Program

Science.gov (United States)

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...

Walking Wounded or Living Dead? Making Banks Foreclose Bad Loans

OpenAIRE

Max Bruche; Gerard Llobet

2011-01-01

Due to limited liability, banks that are essentially insolvent may have incentives to roll over bad loans as a gamble for resurrection, even though it is socially inefficient to do so. This paper considers the problem of making such banks remove and/or foreclose bad loans, when the proportion of loans on a bank’s balance sheet that has gone bad is private information. The private information implies that many plausible schemes are likely to generate windfall gains for bank equity holders, whi...

Single Family Loan Sale Initiative - Neighborhood Stabilization Outcome Pool Offering

Data.gov (United States)

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

The Bank's Choice of Financing and the Correlation Structure of Loan Returns

NARCIS (Netherlands)

Ioannidou, V.; Pierides, Y.

2003-01-01

This paper examines how the correlation structure of loan returns within a bank s loan portfolio a.ects its choice of .nancing when the bank faces binding capital constraints and there is asymmetric information about the quality of its loans.The paper uses an asymmetric information model similar to

Mortgage lenders and loans

NARCIS (Netherlands)

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

2012-01-01

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

Application of BSDE in Standard Inventory Financing Loan

Directory of Open Access Journals (Sweden)

Hui Zhang

2017-01-01

Full Text Available This paper examines the issue of loans obtained by the small and medium-sized enterprises (SMEs from banks through the mortgage inventory of goods. And the loan-to-value (LTV ratio which affects the loan business is a very critical factor. In this paper, we provide a general framework to determine a bank’s optimal loan-to-value (LTV ratio when we consider the collateral value in the financial market with Knightian uncertainty. We assume that the short-term prices of the collateral follow a geometric Brownian motion. We use a set of equivalent martingale measures to build the models about a bank’s maximum and minimum levels of risk tolerance in an environment with Knightian uncertainty. The models about the LTV ratios are established with the bank’s maximum and minimum risk preferences. Applying backward stochastic differential equations (BSDEs, we get the explicit solutions of the models. Applying the explicit solutions, we can obtain an interval solution for the optimal LTV ratio. Our numerical analysis shows that the LTV ratio in the Knightian uncertainty-neutral environment belongs to the interval solutions derived from the models.

The Information Content of Commercial Banks' Fair Value Disclosures of Loans under SFAS 107

OpenAIRE

Chee, Seungmin

2011-01-01

This dissertation utilizes empirical methods to shed light on the current debate over whether to adopt fair value accounting for loans held for long term. Proponents of fair valuing loans argue that reporting loans at their fair values enhances the overall transparency of financial reporting. In contrast, opponents are against applying fair value accounting to loans because fair values cannot be measured reliably in the case of loans held for long term. Therefore, the key question here is whe...

26 CFR 1.993-4 - Definition of producer's loans.

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 10 2010-04-01 2010-04-01 false Definition of producer's loans. 1.993-4 Section 1.993-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Domestic International Sales Corporations § 1.993-4 Definition of producer's loans...

38 CFR 36.4223 - Interest rate reduction refinancing loan.

Science.gov (United States)

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Interest rate reduction..., Including Site Preparation General Provisions § 36.4223 Interest rate reduction refinancing loan. (a) A... to reduce the interest rate payable on the Department of Veterans Affairs loan provided the following...

7 CFR 1980.498 - Business and Industry Disaster Loans.

Science.gov (United States)

2010-01-01

... loan will be due and payable to coincide with the cash flow operating cycle of the business... 7 Agriculture 14 2010-01-01 2009-01-01 true Business and Industry Disaster Loans. 1980.498 Section..., RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF...

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

African Journals Online (AJOL)

The study identified factors affecting loan utilization and repayment patterns by small holder farmers of the Nigerian Agricultural Co-operative and Rural Development Bank (NACRDB) Osogbo branch in Osun State. Two Local Government Areas with large number of loan beneficiaries from 2003 to 2008 in NACRDB were ...

Barriers to Enrollment in Health Coverage in Colorado.

Science.gov (United States)

Martin, Laurie T; Bharmal, Nazleen; Blanchard, Janice C; Harvey, Melody; Williams, Malcolm

2015-03-20

As part of the implementation of the Affordable Care Act, Colorado has expanded Medicaid and also now operates its own health insurance exchange for individuals (called Connect for Health Colorado). As of early 2014, more than 300,000 Coloradans have newly enrolled in Medicaid or health insurance through Connect for Health Colorado, but there also continues to be a diverse mix of individuals in Colorado who remain eligible for but not enrolled in either private insurance or Medicaid. The Colorado Health Foundation commissioned the RAND Corporation to conduct a study to better understand why these individuals are not enrolled in health insurance coverage and to develop recommendations for how Colorado can strengthen its outreach and enrollment efforts during the next open enrollment period, which starts in November 2014. RAND conducted focus groups with uninsured and newly insured individuals across the state and interviews with local stakeholders responsible for enrollment efforts in their regions. The authors identified 11 commonly cited barriers, as well as several that were specific to certain regions or populations (such as young adults and seasonal workers). Collectively, these barriers point to a set of four priority recommendations that stakeholders in Colorado may wish to consider: (1) Support and expand localized outreach and tailored messaging; (2) Strengthen marketing and messaging to be clear, focused on health benefits of insurance (rather than politics and mandates), and actionable; (3) Improve the clarity and transparency of insurance and health care costs and enrollment procedures; and (4) Revisit the two-stage enrollment process and improve Connect for Health Colorado website navigation and technical support.

Economic and Social Aspects of the Old Assyrian Loan Contract

OpenAIRE

Michel , Cécile

2013-01-01

International audience; 1. Loan contracts and other types of investments2. Creditors, debtors and family firms3. Relationships between Assyrians and Anatolians through loan contracts during the 19th and 18th centuries B.C.

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

African Journals Online (AJOL)

Loan collaterals and collateral substitutes in rural finance: a review. ... have difficulties in obtaining loans from banks and other financial institutions because ... The limited availability of conventional collaterals in rural financial markets has led ...

12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

Science.gov (United States)

2010-01-01

... restructure a loan? 617.7415 Section 617.7415 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS Distressed Loan Restructuring; State Agricultural Loan Mediation Programs § 617.7415 How... the cost to the lender of restructuring the loan is equal to or less than the cost of foreclosure...

What is the impact of bankrupt and restructured loans on Japanese bank efficiency?

OpenAIRE

Mamatzakis, Emmanuel; Matousek, Roman; Vu, Anh Nguyet

2015-01-01

The Japanese banking system provides a distinctive platform for the examination of the long-lasting effect of problem loans on efficiency. We measure technical efficiency by modifying a translog enhanced hyperbolic distance function with two undesirable outputs, identified as problem loans and problem other earning assets. Our unique database allows us to distinguish between bankrupt and restructured loans to investigate the underlying causality between these loans and efficiency. From the fl...

12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

Science.gov (United States)

2010-01-01

... value of margin stock and other collateral. (a) Maximum loan value of margin stock. The maximum loan... nonmargin stock and all other collateral. The maximum loan value of nonmargin stock and all other collateral... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Supplement: Maximum loan value of margin stock...

Are Student Loan Default Rates Linked to Institutional Capacity?

Science.gov (United States)

Ishitani, Terry T.; McKitrick, Sean A.

2016-01-01

As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students' likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data…

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Science.gov (United States)

2010-01-01

... living expenses. Any reduction in the unpaid balance of the loan, advance, or line of credit shall reduce..., or co-signer bears to the total number of endorsers or guarantors. However, if the spouse of the...-half of the available credit extended by the unsecured loan. (c) Routine living expenses. (1) A loan...

76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

Science.gov (United States)

2011-12-21

... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals... governing housing goals for the Federal Home Loan Banks (Banks) to make those requirements consistent with... Section 1205 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank...

34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false The William D. Ford Federal Direct Loan Program. 685...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Purpose and Scope § 685.100 The William D. Ford Federal Direct Loan Program. (a) Under the William D. Ford...

Federal Student Loans: Impact of Loan Limit Increases on College Prices Is Difficult to Discern. Report to Congressional Committees. GAO-14-7

Science.gov (United States)

Nowicki, Jacqueline M.

2014-01-01

For more than a decade, college prices have been rising consistently and have continued to rise at a gradual pace after the Stafford loan limit increases were enacted in 2008 and 2009. However, it is difficult to determine if a direct relationship exists between increases in college prices and the Stafford loan limit increases because of the…

Corporate fraud and bank loans:Evidence from china

Institute of Scientific and Technical Information of China (English)

Yunsen; Chen; Song; Zhu; Yutao; Wang

2011-01-01

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

Separate issues of rights and obligations of loan agreement parties

Directory of Open Access Journals (Sweden)

О. В. Ночовкіна

2015-05-01

Paper main body. Peculiarities of rights and duties of loan agreement parties mainly connected to gratuitous nature of such relations. The scope and content of rights and duties of the counterparts according to the agreement depends upon its legal structure (real or consensus. At characterization of the loan agreement parties’ duties we should address as to the regulations of Chapter 60 of Ukrainian Civil Law and to the regulations governing hire (rent relations. The Clauses of Chapter 58 of Ukrainian Civil Law shall be applied only if the opposite not determined by Chapter “Loan” and does not contradict gratuitous nature of loan relations. The main responsibility of the loaner according to the agreement is the transfer of piece of property to a user for gratuitous usage. At real transaction the loaner performs this function at the moment of agreement conclusion. At consensus model of transaction the duty of the loaner to transfer piece of property arise first of all.Conclusions. In order to improve legal regulation of certain duties of loan agreement parties we should: 1 in legal regulations to determine such terms as “ordinary costs”, “capital repairs” and “minor repairs”; 2 we should clearly indicate which regulations of Clause 58 “Hire(rent” can be applied to govern the loan agreement. Such improvement will allow to eliminate any disputes at allocation of rights and duties of the parties during insurance of loaned property, at repair of property and reimbursement of repair expenses.

44 CFR 206.6 - Donation or loan of Federal equipment and supplies.

Science.gov (United States)

2010-10-01

... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Donation or loan of Federal... Donation or loan of Federal equipment and supplies. (a) In any major disaster or emergency, the... governments for use and distribution by them for the purposes of the Stafford Act. (b) A donation or loan may...

77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

Science.gov (United States)

2012-06-14

..., including attachments and other supporting materials, will become part of the public record and subject to... student loans? Among other things, responses can address topics that relate to some or all of following... personally identifiable information. 2. What processes do institutions have in place to respond to complaints...

78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

Science.gov (United States)

2013-08-22

...; Comment Request; Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/ Unsubsidized Stafford/Ford Loan Master Promissory Note AGENCY: Department of Education (ED), Federal Student Aid (FSA... Stafford/Ford Loan and Federal Direct Subsidized/Unsubsidized Stafford/Ford Loan Master Promissory Note...

31 CFR 585.406 - Extensions of credits or loans.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Extensions of credits or loans. 585.406 Section 585.406 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued... Interpretations § 585.406 Extensions of credits or loans. (a) The prohibition in § 585.210 applies to the...

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

Science.gov (United States)

2010-04-01

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

Funding Costs and Loan Pricing by Multinational Bank Affiliates

Czech Academy of Sciences Publication Activity Database

Derviz, Alexis

2009-01-01

Roč. 9, č. 9 (2009), s. 1-48 ISSN 1803-7070 Institutional research plan: CEZ:AV0Z10750506 Keywords : multinational banks * bank loan pricing * internal capital market Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2010/E/derviz- funding costs and loan pricing by multinational bank affiliates.pdf

13 CFR 500.210 - Assignment or transfer of loans.

Science.gov (United States)

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...

12 CFR 221.103 - Loans to brokers or dealers.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loans to brokers or dealers. 221.103 Section... SYSTEM CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.103 Loans to brokers or dealers. Questions have...

7 CFR 1434.16 - Release of the honey pledged as collateral for a loan.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Release of the honey pledged as collateral for a loan... MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.16 Release of the honey pledged as collateral for a loan. (a)(1) A producer shall not move or dispose of any honey pledged as collateral for a loan...

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.

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

NARCIS (Netherlands)

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

2015-01-01

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

12 CFR Appendix I to Part 27 - Monthly Home Loan Activity Format

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Monthly Home Loan Activity Format I Appendix I to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. I Appendix I to Part 27—Monthly Home Loan Activity Format EC22SE91...

42 CFR 23.25 - How will interest rates for loans be determined?

Science.gov (United States)

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false How will interest rates for loans be determined? 23... will interest rates for loans be determined? Interest will be charged at the Treasury Current Value of Funds (CVF) rate in effect on April 1 immediately preceding the date on which the loan is approved and...

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

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Federal Home Loan Banks A Appendix A to Subpart... Board Pt. 905, Subpt. A, App. A Appendix A to Subpart A of Part 905—Federal Home Loan Banks Federal Home Loan Bank District 1 (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont) Federal...

42 CFR 23.33 - What security must be given for these loans?

Science.gov (United States)

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false What security must be given for these loans? 23.33... NATIONAL HEALTH SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.33 What security must be given for these loans? The Secretary may require the borrower to pledge to the Secretary a...

Accounting for fixed repayment bank loans in accordance with accounting standards

OpenAIRE

Atis, Caner; Copur Vardar, Gizem

2016-01-01

As a result of intensive competition, banks offer many differentiated loans. Unfortunately, while these loans are being offered, there may be differences among their forms and substances; and reporting them depending on their form distorts financial statements and misleads users. Banks can even offer loans with zero percent interest, while overcharging fees, commissions, and insurance premiums in advance to compensate the cost and make a reasonable profit. They may divert interest and commiss...

38 CFR 1.963 - Waiver; other than loan guaranty.

Science.gov (United States)

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Waiver; other than loan... GENERAL PROVISIONS Referrals to Gao, Department of Justice, Or Irs § 1.963 Waiver; other than loan... shall be waived if there is no indication of fraud, misrepresentation, or bad faith on the part of the...

13 CFR 120.331 - What devices or techniques are eligible for a loan?

Science.gov (United States)

2010-01-01

... BUSINESS LOANS Special Purpose Loans Energy Conservation § 120.331 What devices or techniques are eligible for a loan? Eligible energy conservation devices or techniques include: (a) Solar thermal equipment... heating or production of energy from industrial waste; (f) Hydroelectric power equipment; (g) Wind energy...

Determinants of loan maturity in small business lending

Directory of Open Access Journals (Sweden)

Ashiqur Rahman

2017-06-01

Full Text Available This paper investigates the determinants of loan maturity of small and medium enterprises (SMEs in the context of Visegrad countries: Czech Republic, Slovak Republic, Poland, and Hungary. The data of instead of for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS, which is a joint project of the European Bank for Reconstruction and Development and the World Bank. By using a binary logistic model, we have found that loan maturity is shorter for older and mature firms, firms owned by female and firms experiencing a shortage of liquidity. At the same time, we have also found that firms having concentrated ownership structure and more tangible assets can borrow for a longer period. In addition to that, we have found evidence that loan maturity is longer for the firms located closer to a bank branch. We also provide empirical support for the assumption that bank low competition is associated with longer maturity. From the obtained results, we may recommend SMEs to borrow from banks that are within their vicinity since this may increase the maturity of loans. Policy makers are recommended to implement policies so that to alleviate gender-related discrimination and take initiatives to moderate the level of competition at this market.

38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

Science.gov (United States)

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Basic eligibility determinations; dependents, loans, education. 3.315 Section 3.315 Pensions, Bonuses, and Veterans' Relief... Ratings and Evaluations; Service Connection § 3.315 Basic eligibility determinations; dependents, loans...

25 CFR 103.26 - What must the borrower supply the lender in its loan application?

Science.gov (United States)

2010-04-01

... cash flow statements; (i) A detailed list of all proposed collateral for the loan, including asset... amount and offer the proposed loan collateral; and (m) If the borrower is a business entity, resolutions... permitting the borrower to borrow the loan amount and offer the proposed loan collateral. ...

38 CFR 36.4307 - Interest rate reduction refinancing loan.

Science.gov (United States)

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Interest rate reduction... § 36.4307 Interest rate reduction refinancing loan. (a) Pursuant to 38 U.S.C. 3710(a)(8), (a)(9)(B)(i... interest rate payable on the existing loan provided that all of the following requirements are met: (1) The...

Effect of loan value and collateral on value of mortgage default

OpenAIRE

Itoo, R. A.; Selvarasu, A.; Filipe, J.

2013-01-01

This study explore the factors influencing mortgage loan default by using the data of mortgage default case from Jammu and Kashmir Bank. To achieve the study objectives sixteen variables are taken. The variables are categorized into three dimensions as borrower’s profile, loan value contents and collateral security. The tools used for analysis of data describing mortgage loan defaulter’s are chi-square, regression, ANOVA, and logistic regression through SPSS 18.0. The results indicate that th...

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Science.gov (United States)

2010-01-01

... determining that an applicant has the operational, financial, and management resources necessary to repay the debt from cashflow (2) That are appropriate for each loan program and the institution's risk-bearing... loan underwriting standards. Under the policies of its board, each institution shall adopt written...

26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

Science.gov (United States)

2010-04-01

... activities for profit. Thus, for example, an association would meet the investing in loans requirement if it... business consists principally of acquiring the savings of the public and investing in loans. The... acquiring the savings of the public and investing in loans includes ancillary or incidental activities which...

38 CFR 36.4321 - Service of process.

Science.gov (United States)

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Service of process. 36...) LOAN GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4321 Service of process. (a) In any legal or equitable proceeding to which the Secretary is a party (including probate and...

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

Science.gov (United States)

2012-01-23

... Anesthetists.). (o) Podiatry: D.P.M. (p) Physical Rehabilitation Services: Physical Therapy, Occupational... by the Secretary. Loan repayment sites are characterized by physical, cultural, and professional... medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine...

Six changes with the new Regulations on Automobile Loans

Institute of Scientific and Technical Information of China (English)

2004-01-01

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

A New Measure of Competition in Indian Loan Market

Directory of Open Access Journals (Sweden)

Jugnu Ansari

2013-11-01

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

25 CFR 103.17 - Must the lender follow any special procedures to close the loan?

Science.gov (United States)

2010-04-01

... searches for each asset to be used as loan collateral. (c) At or prior to closing, the lender must obtain recent appraisals for all real property and improvements to be used as collateral for the loan, to the... instruments designed to document the loan, establish the basis for a security interest in loan collateral, and...

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

Science.gov (United States)

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans §...

46 CFR 381.7 - Federal Grant, Guaranty, Loan and Advance of Funds Agreements.

Science.gov (United States)

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...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the interest rate on an... ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the interest rate on a pre... ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

In Sickness and in Debt: Do Mounting Medical Bills Predict Payday Loan Debt?

Science.gov (United States)

Bickham, Trey; Lim, Younghee

2015-01-01

Cash-strapped families sometimes turn to small, short-term loans with exorbitant fees—payday loans—to cope with mounting medical bills. Given that about three-fourths of payday loan customers are repeat borrowers, consumer advocates and policymakers have increasingly raised voices of concern about the use of payday loans to finance various household expenses, including, among other things, medical bills. The present study hypothesized that increases in medical debt are associated with increases in payday loan debt among a sample of Chapter 7 bankruptcy filers. The results of a multivariate tobit regression analysis showed that medical debt was associated with increased payday loan debt, controlling for various types of debt and other socioeconomic variables. This article concludes with implications of the results for social work policy- and direct-practice.

76 FR 72980 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

Science.gov (United States)

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...

78 FR 50026 - Energy Efficiency and Conservation Loan Program Finding of No Significant Impact

Science.gov (United States)

2013-08-16

... DEPARTMENT OF AGRICULTURE Rural Utilities Service Energy Efficiency and Conservation Loan Program... implementing its new Energy Efficiency and Conservation Loan Program. The FONSI decision document is based on... entitled ``Energy Efficiency and Conservation Loan Program,'' which expands upon policies and procedures...

78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

Science.gov (United States)

2013-02-27

... loan balances, with even more in delinquency. Federal student loans frequently provide for income-based... the levels of delinquency and default. \\4\\ Department of the Treasury, Office of Financial Research..., including lenders and loan servicers; Nationally recognized statistical rating organizations (NRSROs...

The Challenge of Financing Higher Education and the Role of Student Loans Scheme: An Analysis of the Student Loan Trust Fund (SLTF) in Ghana

Science.gov (United States)

Atuahene, Francis

2008-01-01

Student loans program is one of the most controversial phenomena in financing higher education in Ghana, but its importance as a cost sharing mechanism is incontestable. This paper describes the challenge of financing higher education in Ghana. It provides a critique of the Social Security and National Insurance Trust (SSNIT) Student Loans Scheme,…

7 CFR 1779.80 - Interest rate changes after loan closing.

Science.gov (United States)

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 1779.80....80 Interest rate changes after loan closing. (a) General. Subject to the restrictions below, the borrower, lender, and holder (if any) may collectively effect a permanent reduction in the interest rate on...

13 CFR 307.16 - Effective utilization of Revolving Loan Funds.

Science.gov (United States)

2010-01-01

... the prescribed lending schedule, EDA may de-obligate the non-disbursed balance of the RLF Grant. EDA... control of the RLF Recipient; (ii) The financial need for the RLF still exists; (iii) The current and... loaned. (2) When the percentage of loaned RLF Capital falls below the applicable capital utilization...

Evaluating competition in the loan and deposit market using the ...

African Journals Online (AJOL)

Competition was more intense in the market for loans than in the deposit market. There was more competition among domestic banks than among foreign banks. The study also reveals that there was marginal differences in the intensity of competition for loans and deposits among domestic banks. On the aggregate level, ...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Science.gov (United States)

2010-01-01

... a primary industry NAICS code of 713940 (Fitness and Recreational Sports Centers) will be identified... depth of management; (3) Strength of the business; (4) Past earnings, current earnings, and projected... report on its ARC Loans in accordance with requirements established by SBA from time to time for 7a loans...

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

Directory of Open Access Journals (Sweden)

Shaik Abdul Majeeb PASHA

2014-05-01

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

NONPERFORMING LOANS PORTFOLIO AND ITS EFFECT ON BANK PROFITABILITY IN NIGERIA

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2016-05-01

Full Text Available Huge nonperforming loans portfolio erodes the ability of banks to make profits. In the 1990s and beyond many Nigerian banks became weak and highly unprofitable due to excessive nonperforming loans portfolio accumulated by bank promoters and management that led to their demise. Insider dealing was the major cause of large nonperforming loan portfolio in Nigeria, involving over-extension of loans to promoters, directors and significant others that became bad and irrecoverable. To clean up the mess in the banking sector and return the banks to the paths of sound management and profitability, the CBN had to inject about N700bn in a bailout exercise while purging the system of bad and irresponsible management teams .The exploratory research design was adopted. Data generated were organized and coded before they were classified. To achieve the objective of the study data analyses were done through descriptive and regression analyses using the statistical package for the social sciences for the regression. With the regression result of Y = 78.353 – 4.04x it was found that nonperforming loans portfolio has negative effect on bank profitability.

75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

Science.gov (United States)

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...

Some State Loan Agencies Say They May Stay on the Sidelines This Year

Science.gov (United States)

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…

12 CFR 926.5 - Housing associate application process.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Housing associate application process. 926.5 Section 926.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.5 Housing associate application process. (a...

From Intent to Enrollment, Attendance, and Participation in Preventive Parenting Groups

Science.gov (United States)

Dumas, Jean E.; Nissley-Tsiopinis, Jenelle; Moreland, Angela D.

2007-01-01

Applying the Theory of Planned Behavior (TPB) to the process of engagement in preventive parenting groups, we tested the ability of family and child measures to predict intent to enroll, enrollment, attendance, and quality of participation in PACE (Parenting Our Children to Excellence). PACE is a prevention trial testing the efficacy of a…

A Knowledge-based System for the Analysis of the Ability of Paying back Loans

Institute of Scientific and Technical Information of China (English)

朱明; 杨保安

2001-01-01

This paper describes the development of a knowledgebased system (KBS) for determining whether or not, and under what conditions, a bank Ioan officer should grant a business loan to a company. The prototype system developed focuses on what is bank loans risks management, how to prevent risk by the analysis of the ability of paying back loans. The paper makes the structural analysis involved in the system's decision situation, the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system thus are developed. Through testing the samples from loan business, the quality for the analysis of the ability of paying back loans can be effectively evaluated by the KBS prototype system.

Thailand's Student Loans Fund: Interest Rate Subsidies and Repayment Burdens

Science.gov (United States)

Chapman, Bruce; Lounkaew, Kiatanantha; Polsiri, Piruna; Sarachitti, Rangsit; Sitthipongpanich, Thitima

2010-01-01

Government student loan schemes typically have implicit interest rate subsidies which, while these are a cost to taxpayers, they have the benefit of diminishing repayment burdens for graduates. Our goal is to illustrate the extent of both interest rate subsidies and repayment burdens with respect to Thailand's Student Loans Fund (SLF), using…

34 CFR 682.207 - Due diligence in disbursing a loan.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in disbursing a loan. 682.207 Section 682.207 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF... § 682.207 Due diligence in disbursing a loan. (a)(1) This section prescribes procedures for lenders to...

12 CFR 221.109 - Loan to open-end investment company.

Science.gov (United States)

2010-01-01

... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.109 Loan to open-end investment company. In... customarily purchases stocks registered on a national securities exchange, the Board stated that in view of... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loan to open-end investment company. 221.109...

49 CFR 260.45 - Events of default for guaranteed loans.

Science.gov (United States)

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...

7 CFR 1714.55 - Advance of funds from insured loans.

Science.gov (United States)

2010-01-01

... equivalent. Funds will not be advanced until the Administrator has received satisfactory evidence that the... 7 Agriculture 11 2010-01-01 2010-01-01 false Advance of funds from insured loans. 1714.55 Section... § 1714.55 Advance of funds from insured loans. The borrower shall request advances of funds as needed...

77 FR 14307 - Water and Waste Disposal Loans and Grants

Science.gov (United States)

2012-03-09

... CFR 1777 RIN 0572-AC26 Water and Waste Disposal Loans and Grants AGENCY: Rural Utilities Service, USDA... pertaining to the Section 306C Water and Waste Disposal (WWD) Loans and Grants program, which provides water... to assist areas designated as colonias that lack access to water or waste disposal systems and/or...

The Dynamics in Requested and Granted Loan Terms when Bank and Borrower Interact Repeatedly

NARCIS (Netherlands)

Kirschenmann, K.

2010-01-01

This paper studies how credit constraints develop over bank relationships. I analyze a unique dataset of matched loan application and loan contract information and measure credit constraints as the ratio of requested to granted loan amounts. I find that the most important determinants of receiving

76 FR 71329 - Request for Information Regarding Private Education Loans and Private Educational Lenders

Science.gov (United States)

2011-11-17

... Regarding Private Education Loans and Private Educational Lenders AGENCY: Bureau of Consumer Financial... Justice and the Federal Trade Commission, to prepare a Report on Private Education Loans and Private... Justice and the Federal Trade Commission, to prepare a Report on Private Education Loans and Private...

Dual Enrollment for High School Students

Science.gov (United States)

Edwards, Linsey; Hughes, Katherine

2011-01-01

Dual enrollment programs allow high school students to enroll in college courses and potentially earn college credit. The term concurrent enrollment is sometimes used interchangeably with dual enrollment, and sometimes to refer to a particular model of dual enrollment. In some programs, students earn high school and college credit simultaneously;…

25 CFR 103.32 - What sort of loan documentation does BIA expect the lender to maintain?

Science.gov (United States)

2010-04-01

... other documentation of efforts to liquidate loan collateral; and (i) Originals or copies, as appropriate... 25 Indians 1 2010-04-01 2010-04-01 false What sort of loan documentation does BIA expect the... FINANCIAL ACTIVITIES LOAN GUARANTY, INSURANCE, AND INTEREST SUBSIDY Loan Servicing Requirements § 103.32...

Estimating Loan-to-value Distributions

DEFF Research Database (Denmark)

Korteweg, Arthur; Sørensen, Morten

2016-01-01

We estimate a model of house prices, combined loan-to-value ratios (CLTVs) and trade and foreclosure behavior. House prices are only observed for traded properties and trades are endogenous, creating sample-selection problems for existing approaches to estimating CLTVs. We use a Bayesian filtering...