Service Quality: An Unobtrusive Investigation of Interlibrary Loan in Large Public Libraries in Canada.

Science.gov (United States)

Hebert, Francoise

1994-01-01

Describes a study that investigated the quality of interlibrary loan services in Canadian public libraries from the library's and the user's perspectives and then compared results. Measures of interlibrary loan performance are reviewed; an alternative conceptualization of service quality is discussed; and SERVQUAL, a measure of service quality, is…

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...

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...

Modelling the Antecedent and Consequence of Consumer Perceived Deception in Loan Services

OpenAIRE

Mbawuni Joseph; Simon Gyasi Nimako

2015-01-01

This paper assesses the antecedent and consequence of consumer perceived deception (CPD) on consumer trust, satisfaction, attitude recommendation and intentions to acquire future loans from financial service providers. The proposed research model was tested using data from a survey of 371 loan customers of leading financial service providers in Ghana. Data were analysed using SmartPLS 2.0 for Partial Least Squares Structural Equation Modelling. The results show high information quality could ...

Technical Facilities Management, Loan Pool, and Calibration

Science.gov (United States)

Smith, Jacob

2011-01-01

My work at JPL for the SURF program began on June 11, 2012 with the Technical Facilities Management group (TFM). As well as TFM, I worked with Loan Pool and Metrology to help them out with various tasks. Unlike a lot of other interns, I did not have a specific project rather many different tasks to be completed over the course of the 10 weeks.The first task to be completed was to sort through old certification reports in 6 different boxes to locate reports that needed to be archived into a digital database. There were no reports within these boxes that needed to be archived but rather were to be shredded. The reports went back to the early 1980's and up to the early 2000's. I was looking for reports dated from 2002 to 2012

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...

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...

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

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...

DEVELOPMENT AND EVALUATION OF MEASURES TO REDUCE COSTS OF REGIONAL LOANS SERVICING

Directory of Open Access Journals (Sweden)

Pavel Arkadyevitch Galanskiy

2014-10-01

Full Text Available The paper discusses major problems of current concern connected with controlling direct obligations of Russian regions (the model of debt servicing cost parameter optimization has been worked out, and their key solutions. The methods offered to analyze debts and manage them are applicable to any Russian Federation regions characterized by budget deficit and forced to cover it using borrowed funds. The important leverage found and their impacts on sub-federal debt servicing cost are also treated in the article.Objective: to identify the direction and impact degree of various parameters on the cost of sub-federal loans.Methodology: there were used general scientific methods: analysis and synthesis, comparison, generalization, systematic approach.Results: main parameters that influence the cost of sub-federal loans servicing and allow its most effective reduction have been identified.

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...

28 CFR 69.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... preparation, submission, or negotiation of any bid, proposal, or application for that Federal contract, grant, loan, or cooperative agreement or for meeting requirements imposed by or pursuant to law as a condition..., drafting or a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical...

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...

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...

7 CFR Appendix C to Subpart C of... - FSA-2514, Notice of Availability of Loan Servicing to Borrowers Who Are in Non-Monetary Default

Science.gov (United States)

2010-01-01

... Borrowers Who Are in Non-Monetary Default C Appendix C to Subpart C of Part 766 Agriculture Regulations of... PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs Pt. 766, Subpt. C, App. C Appendix C to Subpart C of Part 766—FSA-2514, Notice of Availability of Loan Servicing to Borrowers Who Are in Non...

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...

7 CFR 1780.54 - Technical services.

Science.gov (United States)

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Technical services. 1780.54 Section 1780.54 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF..., Constructing and Inspections § 1780.54 Technical services. Owners are responsible for providing the engineering...

7 CFR 652.4 - Technical service standards.

Science.gov (United States)

2010-01-01

... technologies and practices. (c) A technical service provider must assume responsibility in writing for the... 7 Agriculture 6 2010-01-01 2010-01-01 false Technical service standards. 652.4 Section 652.4..., DEPARTMENT OF AGRICULTURE SUPPORT ACTIVITIES TECHNICAL SERVICE PROVIDER ASSISTANCE General Provisions § 652.4...

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...

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...

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...

28 CFR 69.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

... services rendered directly in the preparation, submission, or negotiation of any bid, proposal, or... imposed by or pursuant to law as a condition for receiving that Federal contract, grant, loan, or... example, drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly...

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...

TRANSLATING SERVICE TECHNICAL PROSE

African Journals Online (AJOL)

language. The Application of Technical Service. Prose. To form a good idea of the appl ication .... cost lives. In this particular domain, translators must have a sound technical ... These semantic ... another language and often, in doing so, changing its meaning. The words ..... He will hand out tasks to each translator and after.

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...

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...

(ICT) to Technical Services in Libraries

African Journals Online (AJOL)

The term technical services is used in this paper to refer to the major operations that are common to all Technical Services Divisions in libraries – namely, cataloguing, classification, indexing and abstracting. These activities have many repetitive components which used to be done manually. But today the new technology ...

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...

75 FR 81832 - Technical Service Provider Assistance

Science.gov (United States)

2010-12-29

... DEPARTMENT OF AGRICULTURE Natural Resources Conservation Service 7 CFR Part 652 Technical Service... as of Jan. 1, 2010, on page 565, in Sec. 652.2, the first definition for ``Technical service'' is removed. [FR Doc. 2010-32945 Filed 12-28-10; 8:45 am] BILLING CODE 1505-01-D ...

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...

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

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...

45 CFR 1158.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

... advice and analysis directly applying any professional or technical discipline. For example, drafting of... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 1158.205... Own Employees § 1158.205 Professional and technical services. (a) The prohibition on the use of...

7 CFR 3018.205 - Professional and technical services.

Science.gov (United States)

2010-01-01

... and analysis directly applying any professional or technical discipline. For example, drafting of a... 7 Agriculture 15 2010-01-01 2010-01-01 false Professional and technical services. 3018.205 Section....205 Professional and technical services. (a) The prohibition on the use of appropriated funds, in...

7 CFR 3018.300 - Professional and technical services.

Science.gov (United States)

2010-01-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 7 Agriculture 15 2010-01-01 2010-01-01 false Professional and technical services. 3018.300 Section... Employees § 3018.300 Professional and technical services. (a) The prohibition on the use of appropriated...

49 CFR 20.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 49 Transportation 1 2010-10-01 2010-10-01 false Professional and technical services. 20.300... Activities by Other Than Own Employees § 20.300 Professional and technical services. (a) The prohibition on...

20 CFR 438.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

... advice and analysis directly applying any professional or technical discipline. For example, drafting of... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Professional and technical services. 438.205... Own Employees § 438.205 Professional and technical services. (a) The prohibition on the use of...

45 CFR 1158.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... analysis directly applying any professional or technical discipline. For example, drafting or a legal... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 1158.300... Other Than Own Employees § 1158.300 Professional and technical services. (a) The prohibition on the use...

10 CFR 601.300 - Professional and technical services.

Science.gov (United States)

2010-01-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 10 Energy 4 2010-01-01 2010-01-01 false Professional and technical services. 601.300 Section 601... Activities by Other Than Own Employees § 601.300 Professional and technical services. (a) The prohibition on...

22 CFR 311.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

... and analysis directly applying any professional or technical discipline. For example, drafting of a... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Professional and technical services. 311.205... § 311.205 Professional and technical services. (a) The prohibition on the use of appropriated funds, in...

45 CFR 1168.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 1168.300... Activities by Other Than Own Employees § 1168.300 Professional and technical services. (a) The prohibition on...

22 CFR 138.300 - Professional and technical services.

Science.gov (United States)

2010-04-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Professional and technical services. 138.300... Activities by Other Than Own Employees § 138.300 Professional and technical services. (a) The prohibition on...

22 CFR 519.300 - Professional and technical services.

Science.gov (United States)

2010-04-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Professional and technical services. 519.300... by Other Than Own Employees § 519.300 Professional and technical services. (a) The prohibition on the...

45 CFR 1230.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... technical discipline. For example, drafting or a legal document accompanying a bid or proposal by a lawyer... 45 Public Welfare 4 2010-10-01 2010-10-01 false Professional and technical services. 1230.300....300 Professional and technical services. (a) The prohibition on the use of appropriated funds, in...

22 CFR 227.300 - Professional and technical services.

Science.gov (United States)

2010-04-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Professional and technical services. 227.300... Activities by Other Than Own Employees § 227.300 Professional and technical services. (a) The prohibition on...

20 CFR 438.300 - Professional and technical services.

Science.gov (United States)

2010-04-01

... analysis directly applying any professional or technical discipline. For example, drafting of a legal... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Professional and technical services. 438.300... Other Than Own Employees § 438.300 Professional and technical services. (a) The prohibition on the use...

34 CFR 82.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... and analysis directly applying any professional or technical discipline. For example, drafting or a... 34 Education 1 2010-07-01 2010-07-01 false Professional and technical services. 82.300 Section 82... by Other Than Own Employees § 82.300 Professional and technical services. (a) The prohibition on the...

A national survey of UK health libraries investigating the cost of interlibrary loan services and assessing the accessibility to key orthopaedic journals.

Science.gov (United States)

Tahim, Arpan; Stokes, Oliver; Vedi, Vikas

2012-06-01

 NHS Library Services are utilised by NHS staff and junior trainees to locate scientific papers that provide them with the evidence base required for modern medical practice. The cost of accessing articles can be considerable particularly for junior trainees.  This survey looks at variations in cost of journal article loans and investigates access to particular orthopaedic journals across the country.  A national survey of UK Health Libraries was performed. Access to and costs of journals and interlibrary loan services were assessed. Availability of five wide-reaching orthopaedic journals was investigated.  Seven hundred and ten libraries were identified. One hundred and ten libraries completed the questionnaire (16.7%). Of these, 96.2% reported free access to scientific journals for users. 99.1% of libraries used interlibrary loan services with 38.2% passing costs on to the user at an average of £2.99 per article. 72.7% of libraries supported orthopaedic services. Journal of Bone and Joint Surgery (British) had greatest onsite availability.  The study demonstrates fluctuations in cost of access to interlibrary loan services and variation in access to important orthopaedic journals. It provides a reflection of current policy of charging for the acquisition of medical evidence by libraries in the UK. © 2012 The authors. Health Information and Libraries Journal © 2012 Health Libraries Group.

15 CFR 28.300 - Professional and technical services.

Science.gov (United States)

2010-01-01

..., drafting or a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Professional and technical services... ON LOBBYING Activities by Other Than Own Employees § 28.300 Professional and technical services. (a...

24 CFR 87.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

... professional or technical discipline. For example, drafting of a legal document accompanying a bid or proposal... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Professional and technical services... and technical services. (a) The prohibition on the use of appropriated funds, in § 87.100 (a), does...

43 CFR 18.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

..., drafting or a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Professional and technical services. 18... LOBBYING Activities by Other Than Own Employees § 18.300 Professional and technical services. (a) The...

49 CFR 20.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 49 Transportation 1 2010-10-01 2010-10-01 false Professional and technical services. 20.205... Activities by Own Employees § 20.205 Professional and technical services. (a) The prohibition on the use of...

22 CFR 519.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Professional and technical services. 519.205... by Own Employees § 519.205 Professional and technical services. (a) The prohibition on the use of...

38 CFR 45.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

... or technical discipline. For example, drafting of a legal document accompanying a bid or proposal by... technical services. 45.205 Section 45.205 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS... technical services. (a) The prohibition on the use of appropriated funds, in § 45.100(a), does not apply in...

38 CFR 45.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... technical discipline. For example, drafting or a legal document accompanying a bid or proposal by a lawyer... technical services. 45.300 Section 45.300 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS... Professional and technical services. (a) The prohibition on the use of appropriated funds, in § 45.100(a), does...

6 CFR 9.23 - Professional and technical services.

Science.gov (United States)

2010-01-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 6 Domestic Security 1 2010-01-01 2010-01-01 false Professional and technical services. 9.23... LOBBYING Activities by Other than Own Employees § 9.23 Professional and technical services. (a) The...

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

10 CFR 601.205 - Professional and technical services.

Science.gov (United States)

2010-01-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 10 Energy 4 2010-01-01 2010-01-01 false Professional and technical services. 601.205 Section 601... Activities by Own Employees § 601.205 Professional and technical services. (a) The prohibition on the use of...

32 CFR 28.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

... or technical discipline. For example, drafting of a legal document accompanying a bid or proposal by... 32 National Defense 1 2010-07-01 2010-07-01 false Professional and technical services. 28.205... technical services. (a) The prohibition on the use of appropriated funds, in § 28.100 (a), does not apply in...

45 CFR 1168.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 1168.205... Activities by Own Employees § 1168.205 Professional and technical services. (a) The prohibition on the use of...

22 CFR 138.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Professional and technical services. 138.205... Activities by Own Employees § 138.205 Professional and technical services. (a) The prohibition on the use of...

32 CFR 28.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... technical discipline. For example, drafting of a legal document accompanying a bid or proposal by a lawyer... 32 National Defense 1 2010-07-01 2010-07-01 false Professional and technical services. 28.300... Professional and technical services. (a) The prohibition on the use of appropriated funds, in § 28.100 (a...

34 CFR 82.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 34 Education 1 2010-07-01 2010-07-01 false Professional and technical services. 82.205 Section 82... by Own Employees § 82.205 Professional and technical services. (a) The prohibition on the use of...

22 CFR 227.205 - Professional and technical services.

Science.gov (United States)

2010-04-01

..., drafting of a legal document accompanying a bid or proposal by a lawyer is allowable. Similarly, technical... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Professional and technical services. 227.205... Activities by Own Employees § 227.205 Professional and technical services. (a) The prohibition on the use of...

29 CFR 93.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

... professional or technical discipline. For example, drafting of a legal document accompanying a bid or proposal... 29 Labor 1 2010-07-01 2010-07-01 true Professional and technical services. 93.205 Section 93.205... Professional and technical services. (a) The prohibition on the use of appropriated funds, in § 93.100 (a...

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...

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...

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...

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...

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...

Technical Service Agreement (TSA) | FNLCR Staging

Science.gov (United States)

Frederick National Lab for Cancer Research (FNLCR)scientists provide services and solutions to collaborators through the Technical Services Program, whose portfolio includes more than200 collaborations with more than 80 partners such as t

Radiation sources and technical services

International Nuclear Information System (INIS)

Stonek, K.; Satorie, Z.; Vyskocil, I.

1981-01-01

Work is briefly described of the department for sealed sources production of the Institute, including leak testing and surface contamination of sealed sources. The department also provides technical services including the inspections of sealed sources used in medicine and geology and repair of damaged sources. It carries out research of the mechanical and thermal strength of sealed sources and of the possibility of reprocessing used 226 Ra sources. The despatch department is responsible for supplying the entire country with home and imported radionuclides. The department of technical services is responsible for testing imported radionuclides, assembling materials testing, industrial and medical irradiation devices, and for the collection and storage of low-level wastes on a national scale. (M.D.)

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...

7 CFR 3575.69 - Loan servicing.

Science.gov (United States)

2010-01-01

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

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...

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...

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...

41 CFR 105-69.205 - Professional and technical services.

Science.gov (United States)

2010-07-01

... any professional or technical discipline. For example, drafting of a legal document accompanying a bid... technical services. 105-69.205 Section 105-69.205 Public Contracts and Property Management Federal Property... technical services. (a) The prohibition on the use of appropriated funds, in § 105-69.100 (a), does not...

41 CFR 105-69.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... or technical discipline. For example, drafting or a legal document accompanying a bid or proposal by... technical services. 105-69.300 Section 105-69.300 Public Contracts and Property Management Federal Property... and technical services. (a) The prohibition on the use of appropriated funds, in § 105-69.100 (a...

7 CFR 1951.881 - Loan servicing.

Science.gov (United States)

2010-01-01

... when in conflict with these regulations. The loan is governed by terms of existing legal documents of... accounting records for each intermediary. The Finance Office will: (1) Coordinate with the Administrator or... of the proper accounting procedure. (2) Send monthly statements to the National Office reflecting all...

Technical Services in the Age of Electronic Publishing.

Science.gov (United States)

Brownrigg, Edwin; And Others

1984-01-01

Examination of the traditional library technical services functions and how they may change with the advent of widespread computer-based electronic publishing emphasizes ways in which technical services will have to adapt in electronic publishing environment. Implications of electronic publishing for library management and budgeting are explored.…

12 CFR 411.300 - Professional and technical services.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Professional and technical services. 411.300 Section 411.300 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES NEW RESTRICTIONS ON LOBBYING Activities by Other Than Own Employees § 411.300 Professional and technical services. (a) The prohibition on...

12 CFR 411.205 - Professional and technical services.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Professional and technical services. 411.205 Section 411.205 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES NEW RESTRICTIONS ON LOBBYING Activities by Own Employees § 411.205 Professional and technical services. (a) The prohibition on the use of...

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.

34 CFR 668.212 - Loan servicing appeals.

Science.gov (United States)

2010-07-01

...) Any cohort default rate upon which a loss of eligibility under § 668.206 is based. (b) Improper loan... preclaims or default aversion assistance to the guaranty agency; and (ii) Submit a certification or other...

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 1980.469 - Loan servicing.

Science.gov (United States)

2010-01-01

... to establish all the aspects of the fraud. If at all possible, this should then be done prior to... or approved, or (c) conspiring to defraud the United States by getting a false or fraudulent claim... Department of Justice will need to know such things as: What was the amount of the loan or the loss paid to...

7 CFR 1580.302 - Technical assistance and services.

Science.gov (United States)

2010-01-01

... producers written confirmation of all technical assistance meetings. Producers shall also have access to technical information provided in writing and electronically. (d) Producers shall also be provided... 7 Agriculture 10 2010-01-01 2010-01-01 false Technical assistance and services. 1580.302 Section...

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 §...

44 CFR 18.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

... any professional or technical discipline. For example, drafting of a legal document accompanying a bid... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Professional and technical... Professional and technical services. (a) The prohibition on the use of appropriated funds, in § 18.100 (a...

44 CFR 18.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... technical discipline. For example, drafting or a legal document accompanying a bid or proposal by a lawyer... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Professional and technical... § 18.300 Professional and technical services. (a) The prohibition on the use of appropriated funds, in...

26 CFR 1.954-4 - Foreign base company services income.

Science.gov (United States)

2010-04-01

..., commissions, fees, or otherwise, derived in connection with the performance of technical, managerial... who are not on loan from any related person. The principal clerical work, and the financial accounting... accounting services furnished by M Corporation do not assist F Corporation directly in the performance of the...

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...

42 CFR 417.937 - Loan and loan guarantee provisions.

Science.gov (United States)

2010-10-01

... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...

7 CFR 1751.103 - Loan and loan advance requirements.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...

7 CFR 1710.112 - Loan feasibility.

Science.gov (United States)

2010-01-01

... service cost of the new loan. (3) The economics of the borrower's operations and service area are such... financial and management controls and there are and have been no significant financial or other... assets, is adequate to enable the borrower to meet its financial needs and to provide service consistent...

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...

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...

7 CFR 4279.155 - Loan priorities.

Science.gov (United States)

2010-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Business and Industry Loans... statistical data (5 points). (ii) Located in a rural community that has remained persistently poor over the...

A "Virtual Fieldtrip": Service Learning in Distance Education Technical Writing Courses

Science.gov (United States)

Soria, Krista M.; Weiner, Brad

2013-01-01

This mixed-methods experimental study examined the effect of service learning in a distance education technical writing course. Quantitative analysis of data found evidence for a positive relationship between participation in service learning and technical writing learning outcomes. Additionally, qualitative analysis suggests that service learning…

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...

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

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

45 CFR 604.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 604.205 Section 604.205 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NEW RESTRICTIONS ON LOBBYING Activities by Own Employees § 604.205 Professional and technical...

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...

Rethinking library technical services redefining our profession for the future

CERN Document Server

Weber, Mary Beth

2015-01-01

Will library technical services exist thirty years from now? If so, what do leading experts see as the direction of the field? In this visionary look at the future of technical services, Mary Beth Weber has compiled a veritable who's who of the field to answer just these questions.

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...

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 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...

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...

[The Engineering and Technical Services Directorate at the Glenn Research Center

Science.gov (United States)

Moon, James

2004-01-01

My name is James Moon and I am a senior at Tennessee State University where my major is Aeronautical and Industrial Technology with a concentration in industrial electronics. I am currently serving my internship in the Engineering and Technical Services Directorate at the Glenn Research Center (GRC). The Engineering and Technical Service Directorate provides the services and infrastructure for the Glenn Research Center to take research concepts to reality. They provide a full range of integrated services including engineering, advanced prototyping and testing, facility management, and information technology for NASA, industry, and academia. Engineering and Technical Services contains the core knowledge in Information Technology (IT). This includes data systems and analysis, inter and intranet based systems design and data security. Including the design and development of embedded real-time s o h a r e applications for flight and supporting ground systems, Engineering and Technical Services provide a wide range of IT services and products specific to the Glenn Research Center research and engineering community. In the 7000 Directorate I work directly in the 7611 organization. This organization is known as the Aviation Environments Technical Branch. My mentor is Vincent Satterwhite who is also the Branch Chief of the Aviation Environments Technical Branch. In this branch, I serve as the Assistant program manager of the Engineering Technology Program. The Engineering Technology Program (ETP) is one of three components of the High School L.E.R.C.I.P. This is an Agency-sponsored, eight-week research-based apprenticeship program designed to attract traditionally underrepresented high school students that demonstrate an aptitude for and interest in mathematics, science, engineering, and technology.

7 CFR 3575.24 - Eligible loan purposes.

Science.gov (United States)

2010-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF...) Community, social, or cultural services, (iv) Transportation facilities such as streets, roads, and bridges... rights. (ii) Interest on loans until the facility is self-supporting, but not for more than 2 years...

45 CFR 1230.205 - Professional and technical services.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 4 2010-10-01 2010-10-01 false Professional and technical services. 1230.205 Section 1230.205 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE NEW RESTRICTIONS ON LOBBYING Activities by Own Employees § 1230.205...

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...

7 CFR 1900.6 - Chair, Loan Resolution Task Force.

Science.gov (United States)

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Chair, Loan Resolution Task Force. 1900.6 Section 1900.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF...

Facilitating Service Learning in the Online Technical Communication Classroom

Science.gov (United States)

Nielsen, Danielle

2016-01-01

Drawing from the author's experience teaching online technical communication courses with an embedded service-learning component, this essay opens the discussion to the potential problems involved in designing online service-learning courses and provides practical approaches to integrating service learning into online coursework. The essay…

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...

76 FR 23641 - Proposed Information Collection: Export Declaration of Defense Technical Data or Services

Science.gov (United States)

2011-04-27

... Defense Technical Data or Services AGENCY: Department of State. ACTION: Notice of request for public... Declaration of Defense Technical Data or Services. OMB Control Number: 1405-0157. Type of Request: Extension... of defense technical data and defense services will be electronically reported directly to 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...

THE SERVICES QUALITY LEVEL ASSESSESMENT IN THE TECHNICAL UNIVERSITY WITH SERVQUAL METHOD APPLYING

Directory of Open Access Journals (Sweden)

STASIAK-BETLEJEWSKA, Renata

2014-12-01

Full Text Available Contemporary universities services quality level concerns mainly the education efficiency evaluation that results from the learning outcomes realization and innovative features of the teaching programs that differ universities offers. Technical universities attention is focused on ministerial requirements fulfillment which are strictly concentrated on the students skills obtaining in the relation to the employers’ market. The university services quality analysis ignores common expectations of students and candidates for students related to the technical or functional quality, such as university facilities and administrative workers empathy. The aim of this study is to identify the expectations of both students and candidates for studies at technical universities, what allows to identify university services quality level and areas needs improvement in terms of not only the educational services but also technical university facilities. Results show significant importance of the all examined service quality aspects in the context of expectations of candidates and students’ perception. Research findings allow not only to identify the technical university services quality, but also to support the university development within the scientific research process assistance.

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...

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...

7 CFR 1738.11 - Availability of broadband service.

Science.gov (United States)

2010-01-01

..., DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies... given to loans to finance service to eligible rural communities in which broadband service is not...

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…

NHTSA's Office of Defects Investigation (ODI) - Technical Service Bulletins System (TSBS) - Downloadable file

Data.gov (United States)

Department of Transportation — The Technical Service Bulletins data contains summaries of the Manufacturers' Technical Service Bulletins by single year, make and model. An optional item of Vehicle...

A review of technology and trends in document delivery services

Energy Technology Data Exchange (ETDEWEB)

Bourne, C P [DIALOG Information Services, Inc., Palo Alto, CA (United States)

1990-05-01

This paper reviews the major lines of technical development being pursued to extend or replace traditional inter-library loan and photocopy service and to facilitate the delivery of source documents to individual end users. Examples of technical approaches discussed are: (1) the inclusion of full text and image data in central online systems; (2) image workstations such as the ADONIS and UMI systems; and (3) the use of electronic networks for document ordering and delivery. Some consideration is given to the policy implications for libraries and information systems. (author). 11 tabs.

A review of technology and trends in document delivery services

International Nuclear Information System (INIS)

Bourne, C.P.

1990-05-01

This paper reviews the major lines of technical development being pursued to extend or replace traditional inter-library loan and photocopy service and to facilitate the delivery of source documents to individual end users. Examples of technical approaches discussed are: 1) the inclusion of full text and image data in central online systems; 2) image workstations such as the ADONIS and UMI systems; and 3) the use of electronic networks for document ordering and delivery. Some consideration is given to the policy implications for libraries and information systems. (author). 11 tabs

7 CFR 1753.16 - Architectural services.

Science.gov (United States)

2010-01-01

... made to the contract form. (B) The contract will not accomplish loan purposes. (C) The architectural service fees are unreasonable. (D) The contract presents unacceptable loan security risk to RUS. (ii) If...) Loan funds will not be available to pay for the preliminary architectural services if a loan is not...

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 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

Science.gov (United States)

2010-08-30

... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...

47 CFR 25.210 - Technical requirements for space stations in the Fixed-Satellite Service.

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Technical requirements for space stations in the Fixed-Satellite Service. 25.210 Section 25.210 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES SATELLITE COMMUNICATIONS Technical Standards § 25.210 Technical...

Technical Service Agreement (TSA) | Frederick National Laboratory for Cancer Research

Science.gov (United States)

Frederick National Laboratory for Cancer Research (FNLCR) scientists provide services and solutions to collaborators through the Technical Services Program, whose portfolio includes more than 200 collaborations with more than 80 partners. The Frederi

Food Service Technical Terms. English-Spanish Lexicon.

Science.gov (United States)

Shin, Masako T.

This English-Spanish lexicon presents food service technical terms. The terms are divided into seven categories: basic food items, common baking terms, food cutting terms, general cooking terms, non-English culinary terms, and tools and equipment. Each English word or term is followed by its Spanish equivalent(s). (YLB)

Another Interface: Electronic Publishing and Technical Services.

Science.gov (United States)

Yamamoto, Rumi

1986-01-01

Discusses the problems of assimilating electronic publishing within the technical services area of academic libraries: whether to consider electronic journals as acquisitions; how to catalog them; whether to charge users for access to them; and how to preserve online publications for future research. Future trends in electronic publishing 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...

Enhancing Cooperative Loan Scheme Through Automated Loan ...

African Journals Online (AJOL)

2013-03-01

Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...

7 CFR 3565.205 - Eligible uses of loan proceeds.

Science.gov (United States)

2010-01-01

... essential tenant service type facilities, such as laundry rooms, that are not otherwise conveniently... 7 Agriculture 15 2010-01-01 2010-01-01 false Eligible uses of loan proceeds. 3565.205 Section 3565.205 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE...

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

Science.gov (United States)

2011-09-30

... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...

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

26 CFR 1.6050S-4 - Information reporting for payments of interest on qualified education loans.

Science.gov (United States)

2010-04-01

... on qualified education loans. 1.6050S-4 Section 1.6050S-4 Internal Revenue INTERNAL REVENUE SERVICE... Information reporting for payments of interest on qualified education loans. (a) Electronic furnishing of... payments of interest on qualified education loans (furnisher) to the individual to whom it is required to...

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...

7 CFR 4280.123 - Guaranteed loan funding.

Science.gov (United States)

2010-01-01

... the renewable energy system or energy efficiency improvement. (1) Post-application purchase and... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy... equipment, and vehicles. (2) Post-application construction or improvements, except residential. (3) Energy...

76 FR 8334 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2011

Science.gov (United States)

2011-02-14

... Economic Development Loan and Grant Program for Fiscal Year 2011 AGENCY: Rural Business-Cooperative Service... Rural Economic Development Loan and Grant (REDLG) program pursuant to 7 CFR part 4280, subpart A for... Federal Agency: Rural Business-Cooperative Service. Funding Opportunity Type: Rural Economic Development...

77 FR 15933 - Conservation Loan Program

Science.gov (United States)

2012-03-19

... to these regulations based on the comments. FSA is making a minor amendment to the definition of... key decision making for the entity and could be the ones making the important decisions regarding... interim rule (75 FR 54005-54016) on September 3, 2010, to add CL loan making and servicing provisions to...

76 FR 13662 - Hewlett Packard Company, Enterprise Business Division, Technical Services America, Global Parts...

Science.gov (United States)

2011-03-14

... Packard Company, Enterprise Business Division, Technical Services America, Global Parts Supply Chain Group, Including Leased Workers From QFlex, North America Logistics, and UPS, Headquartered in Palo Alto, CA... Business Division, Technical Services America, Global Parts Supply Chain Group, Including Leased Workers...

76 FR 10394 - Hewlett Packard Company, Enterprise Business Division, Technical Services America, Global Parts...

Science.gov (United States)

2011-02-24

... Packard Company, Enterprise Business Division, Technical Services America, Global Parts Supply Chain Group, Including Leased Workers From Qflex, North America Logistics, and UPS, Headquartered in Palo Alto, CA... Business Division, Technical Services America, Global Parts Supply Chain Group, Including Leased Workers...

Staff Considerations in Technical Services: The Chameleon Approach.

Science.gov (United States)

Foster, Constance L.

1988-01-01

Discusses the need to cope effectively with technological transitions in library technical services and to plan for successful staff development. The areas discussed include changing job skills, financial planning, ergonomics, innovative partnerships, training, and an emphasis on human resources development. (21 references) (Author/CLB)

77 FR 12792 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2012

Science.gov (United States)

2012-03-02

... Economic Development Loan and Grant Program for Fiscal Year 2012 AGENCY: Rural Business-Cooperative Service... Rural Economic Development Loan and Grant (REDLG) program pursuant to 7 CFR part 4280, subpart A for... Economic Development Loans and Grants. Announcement Type: Initial Announcement. Catalog of Federal Domestic...

Electronic resource management practical perspectives in a new technical services model

CERN Document Server

Elguindi, Anne

2012-01-01

A significant shift is taking place in libraries, with the purchase of e-resources accounting for the bulk of materials spending. Electronic Resource Management makes the case that technical services workflows need to make a corresponding shift toward e-centric models and highlights the increasing variety of e-formats that are forcing new developments in the field.Six chapters cover key topics, including: technical services models, both past and emerging; staffing and workflow in electronic resource management; implementation and transformation of electronic resource management systems; the ro

45 CFR 604.300 - Professional and technical services.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 3 2010-10-01 2010-10-01 false Professional and technical services. 604.300 Section 604.300 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NEW RESTRICTIONS ON LOBBYING Activities by Other Than Own Employees § 604.300 Professional and...

Collateral Damage: Interlibrary Loan Lending Denials

Science.gov (United States)

Leykam, Andrew

2009-01-01

The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

12 CFR 221.113 - Loan which is secured indirectly by stock.

Science.gov (United States)

2010-01-01

... of the securities which comprise the portfolio of Fund X. The agreement includes the following terms... in the ordinary sense, since the portfolio of Fund X is not pledged to secure the credit from Bank Y... analysis of the technical circumstances under which a loan is made * * * . Where security is involved...

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...

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...

Health Education Assistance Loan (HEAL) Program. Final rule.

Science.gov (United States)

2017-11-15

On July 1, 2014, the HEAL Program was transferred from the U.S. Department of Health and Human Services (HHS) to the U.S. Department of Education (the Department). To reflect this transfer and to facilitate the servicing of all HEAL loans that are currently held by the Department, the Secretary adds the HEAL Program regulations to the Department's chapter in the Code of Federal Regulations (CFR).

Improving Service Quality in Technical Education: Use of Interpretive Structural Modeling

Science.gov (United States)

Debnath, Roma Mitra; Shankar, Ravi

2012-01-01

Purpose: The purpose of this paper is to identify the relevant enablers and barriers related to technical education. It seeks to critically analyze the relationship amongst them so that policy makers can focus on relevant parameters to improve the service quality of technical education. Design/methodology/approach: The present study employs the…

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…

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...

The Pricing puzzle: The default term structure of collateralised loan obligations

OpenAIRE

Jobst, Andreas A.

2002-01-01

Ambivalence in the regulatory definition of capital adequacy for credit risk has recently stirred the financial services industry to collateral loan obligations (CLOs) as an important balance sheet management tool. CLOs represent a specialised form of Asset-Backed Securitisation (ABS), with investors acquiring a structured claim on the interest proceeds generated from a portfolio of bank loans in the form of tranches with different seniority. By way of modelling Merton-type risk-neutral asset...

47 CFR 25.215 - Technical requirements for space stations in the Direct Broadcast Satellite Service.

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Technical requirements for space stations in the Direct Broadcast Satellite Service. 25.215 Section 25.215 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES SATELLITE COMMUNICATIONS Technical Standards § 25.215...

The Effect of Digital Publishing on Technical Services in University Libraries

Science.gov (United States)

Hunter, Ben

2013-01-01

The past decade has brought enormous changes in scholarly communication, leading many libraries to undertake large-scale digital publishing initiatives. However, no study has investigated how technical services departments are changing to support these new services. Using change management as a theoretical framework, the investigator uses content…

The Intercultural Component in Textbooks for Teaching a Service Technical Writing Course

Science.gov (United States)

Matveeva, Natalia

2007-01-01

This research article investigates new developments in the representation of the intercultural component in textbooks for a service technical writing course. Through textual analysis, using quantitative and qualitative techniques, I report discourse analysis of 15 technical writing textbooks published during 1993-2006. The theoretical and…

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...

Student loan burden and its impact on career decisions in dermatology.

Science.gov (United States)

Nguyen, Jannett; Song, Eingun; Liu, Michael A; Lee, Patrick K; Truong, Sam

2017-12-01

Dermatology departments in the United States face difficulties in recruiting dermatologists to academic positions, raising concerns for the future of dermatology education and research. This preliminary study aimed to explore the impact of student loan burden on career plans in dermatology and to determine if the Public Service Loan Forgiveness (PSLF) program can be used as a recruitment tool for academic positions in dermatology. Results from this electronic survey, which was distributed to dermatology residents and attending physicians, revealed that debt burden may influence career decisions in dermatology. Dermatologists may not be fully educated on loan repayment options. With increased awareness, the PSLF can potentially be used as a recruitment tool for academic positions in dermatology.

Assessment of an iPad Loan Program in an Academic Medical Library: A Case Study.

Science.gov (United States)

Shurtz, Suzanne; Sewell, Robin; Halling, T Derek; McKay, Becky; Pepper, Catherine

2015-01-01

An academic medical library expanded its iPad loan service to multiple campus libraries and conducted an assessment of the service. iPads loaded with medical and educational apps were loaned for two-week checkouts from five library campus locations. Device circulation statistics were tracked and users were invited to complete an online survey about their experience. Data were gathered and analyzed for 11 months. The assessment informed the library on how best to adapt the service, including what resources to add to the iPads, and the decision to move devices to campuses with more frequent usage.

Efficiency measurement of the banking sector in the presence of non-performing loan

Science.gov (United States)

Hamid, Nurhayati; Ramli, Noor Asiah; Hussin, Siti Aida Sheikh

2017-01-01

Bank industry plays a vital role in a country's economic development. In the banking industry, the non-performing loans which are acknowledged as being undesirable outputs and usually ignored in most of the analysis should be taken into account since they are undesirable by-products of producing loans and may lead to the bank inefficiency. Modelling the efficiency measurement without undesirable outputs can provide misleading results and unfair assessment. The Directional Distance Function (DDF) approach which extended from the Data Envelopment Analysis (DEA) framework is one of the enhancement efficiency approaches to handle a situation when there is a joint production of the desirable and undesirable outputs. The comparison of both results between the domestic and foreign banks shows that the DEA technical efficiency score for domestic banks is marginally higher than the Malaysian foreign banks. However, when incorporating the undesirable output, the DDF technical efficiency for foreign banks is slightly higher than domestic banks.

7 CFR 3550.102 - Grant and loan purposes.

Science.gov (United States)

2010-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF... Waste Disposal Grants § 3550.102 Grant and loan purposes. (a) Grant funds. Grant funds may be used only... repair or remodel dwellings to make them accessible and useable for household members with disabilities...

Loan Products Included in the Offer of Commercial Banks

Directory of Open Access Journals (Sweden)

Vasile Dedu

2009-04-01

Full Text Available A bank loan is the main form of economical credit. It is for corporate activities – for medium and big companies and for retail activities – for small companies and individuals. The conditions for credit mainly depend on the quality of customers, it means their ability to perform a profitable activity and to be able to pay back the credits. For reasons which are mainly connected to marketing, bank practice has developed a large range of credit names, trying to emphasize some of the parts of the products or to take profit of some competition advantages in relation with customers’ products. We are trying to include the offer of bank loans in a typology which takes into account the law, the bank field rules and the main technical features of the offered products.

Developing e-banking services for rural India: making use of socio-technical prototypes

DEFF Research Database (Denmark)

Dittrich, Yvonne; Vaidyanathan, Lakshmi; Gonsalves, Timothy A

2017-01-01

an experience report based on systematic debriefing of involved project leaders and initiators, triangulated with additional documentation. The concept of Socio-Technical Prototype is developed and used to show how to mitigate the challenges of ICT based banking service provision for socially constrained...... communities. The concept of Socio-Technical Prototype extends the notion of prototypes, as it implies a full functioning implementation of the service including all relevant stakeholders. In order to not only prototype end-user functionality but also the interaction of the solution with the specific social......, technical and physical environment. The implications for software engineering in the development of such large-scale prototypes and pilots are outlined....

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...

76 FR 14370 - Information Collection; Representation for CCC and FSA Loans Authorization To File a Financing...

Science.gov (United States)

2011-03-16

...; Representation for CCC and FSA Loans Authorization To File a Financing Statement AGENCY: Commodity Credit... Commodity Credit Corporation or Farm Service Agency Loans and Authorization To File A Financing Statement... Financing Statement and Related Documents. OMB Control Number: 0560-0215. Expiration Date of Approval...

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...

7 CFR 28.126 - Loaning of forms and exhibits.

Science.gov (United States)

2010-01-01

... Agriculture Regulations of the Department of Agriculture AGRICULTURAL MARKETING SERVICE (Standards, Inspections, Marketing Practices), DEPARTMENT OF AGRICULTURE COMMODITY STANDARDS AND STANDARD CONTAINER... Fees and Costs § 28.126 Loaning of forms and exhibits. In the discretion of the Director, limited...

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...

Agricultural In-Service Needs of Introductory Level Career and Technical Education Teachers

Science.gov (United States)

Christensen, Jolene; Warnick, Brian K.; Spielmaker, Debra; Tarpley, Rudy S.; Straquadine, Gary S.

2009-01-01

This study identified and prioritized the agricultural in-service needs of introductory level career and technical education teachers in Utah. The Utah State Board of Education requires that all seventh grade students complete an introductory career and technical education course as their first formal career exploration experience. One component…

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...

7 CFR 1703.142 - Nonapproved purposes for loans.

Science.gov (United States)

2010-01-01

..., DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.142... provider; (2) To duplicate facilities providing distance learning or telemedicine services in place or to...) For projects located in areas covered by the Coastal Barrier Resources Act (16 U.S.C. 3501 et seq...

75 FR 52429 - Guaranteed Single Family Housing Loans

Science.gov (United States)

2010-08-26

... other than foreclosure is recommended to resolve the delinquency. Use of special loan servicing does not... weekly in its Statistical Release H.15. This default maximum allowable interest rate is determined using... weekly in its Statistical Release H.15. * * * * * Mortgage payment to income ratio. This ratio is defined...

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.

12 CFR 613.3300 - Participations and other interests in loans to similar entities.

Science.gov (United States)

2010-01-01

... outstanding under paragraph (b) of this section to a single credit risk shall not exceed 10 percent of its... similar entities. 613.3300 Section 613.3300 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT... purchase, sale, or transfer of interests in loans, or other extensions of credit, or other technical and...

Effective technical service in the life cycle of heavy dumpers

Directory of Open Access Journals (Sweden)

Михайло Валерійович Помазков

2016-11-01

Full Text Available A comparative analysis of the known systems of technical reliability of heavy dumpers functionality has been made. It has been stated that the previously proposed methods to determine the optimal service life of heavy-duty dumpers are not effective enough and do not take into account the whole range of factors specific to the operation of heavy dumpers in the current economic realities of industrial enterprises. Based on the analysis results, a mechanism of determining the optimal service life of heavy-duty dumpers and their constituent technical systems ensuring the operational reliability of heavy-duty dumpers has been offered. The article takes into account the analysis of resource factors, general description of system logistic tasks, the main provisions of serviceability, the resource forming in route charts at ore mining and metallurgical enterprises, the use of theoretical developments in practice. Heavy dumpers generalized description modelling shown in the article, the principle of resource use by using interchangable work at different intensity routes has received confirmation in the dumpers’ work schedule

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.

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

Science.gov (United States)

2010-10-01

... exercise of due diligence, a school must follow procedures which are at least as extensive and effective as... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans. 57.310 Section 57.310 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES...

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),…

75 FR 11921 - Heritage Aviation, Ltd., Including On-Site Leased Workers From Global Technical Services and...

Science.gov (United States)

2010-03-12

... DEPARTMENT OF LABOR Employment and Training Administration [TA-W-72,924] Heritage Aviation, Ltd., Including On-Site Leased Workers From Global Technical Services and Global, Inc. (Global Employment... from Heritage Aviation, Ltd, including on-site leased workers from Global Technical Services, Grand...

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.

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...

Library Services Funding Assessment

Science.gov (United States)

Lorig, Jonathan A.

2004-01-01

The Glenn Technical Library is a science and engineering library that primarily supports research activities at the Glenn Research Center, and provides selected services to researchers at all of the NASA research centers. Resources available in the library include books, journals, CD-ROMs, and access to various online sources, as well as live reference and inter-library loan services. The collection contains over 77,000 books, 800,000 research reports, and print or online access to over 1,400 journals. Currently the library operates within the Logistics and Technical Information Division, and is funded as an open-access resource within the GRC. Some of the research units at the GRC have recently requested that the library convert to a "pay-for-services" model, in which individual research units could fund only those journal subscriptions for which they have a specific need. Under this model, the library would always maintain a certain minimum level of pooled-expense services, including the ready reference and book collections, and inter-library loan services. Theoretically the "pay-for-services" model would encourage efficient financial allocation, and minimize the extent to which paid journal subscriptions go unused. However, this model also could potentially negate the benefits of group purchases for journal subscriptions and access. All of the major journal publishers offer package subscriptions that compare favorably in cost with the sum of individual subscription costs for a similar selection of titles. Furthermore, some of these subscription packages are "consortium" purchases that are funded collectively by the libraries at multiple NASA research centers; such consortia1 memberships would be difficult for the library to pay, if enough GRC research units were to withdraw their pooled contributions. cost of collectively-funded journal access with the cost of individual subscriptions. My primary task this summer is to create the cost dataset framework, and

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 1753.17 - Engineering services.

Science.gov (United States)

2010-01-01

... form. (B) The contract will not accomplish loan purposes. (C) The engineering service fees are unreasonable. (D) The contract presents unacceptable loan security risk to RUS. (E) The consulting engineering... loan shall be rendered by a qualified engineer selected by the borrower or by qualified employees on...

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...

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...

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...

The Development of Technical Services Training. Historical Paper 3

Science.gov (United States)

Dunkin, Paul S.

2015-01-01

In this article the author discusses the evolution of the profession of librarianship and the compromise of educating librarians in schools instead of by apprenticeship. He poses a series of questions, some more rhetorical than others: (1) Is Technical Services an intellectual concept or an administrative device?; (2) Can the routines and rules of…

7 CFR 762.142 - Servicing related to collateral.

Science.gov (United States)

2010-01-01

... necessary to properly service the loan. (4) Ensure the borrower does not convert loan security. (5) Ensure... collateral. (b) Partial releases. (1) A lender may release guaranteed loan security without FSA concurrence... applied as extra payments and not as a regular installment on the loan. (ii) The security item will be...

7 CFR 4290.845 - Maximum rate of amortization on Loans and Debt Securities.

Science.gov (United States)

2010-01-01

...) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BUSINESS INVESTMENT COMPANY (âRBICâ) PROGRAM Financing of Enterprises by RBICs Structuring Rbic Financing of Eligible Enterprises-Types of Financings § 4290.845 Maximum rate of amortization on Loans and Debt Securities. The...

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...

Performance-based service acquisition (PBSA) of TRIDENT strategic weapons systems (SWS) technical engineering support (TES) services

OpenAIRE

Arcidiacono, William J.

2003-01-01

CIVINS (Civilian Institutions) Thesis document Approved for public release ; distribution is unlimited The objective of this thesis is to determine whether the Strategic Systems Programs (SSP) should apply the concepts of Performance-Based Service Acquisition (PBSA) to Strategic Weapons Systems (SWS) Technical Engineering Support (TES) Services. This thesis provides a Department of Defense (DoD), Department of the Navy (DON), and SSP SWS program acquisition and PBSA history background, ...

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...

Formative evaluation of a telemedicine model for delivering clinical neurophysiology services part I: utility, technical performance and service provider perspective.

LENUS (Irish Health Repository)

Breen, Patricia

2010-01-01

Formative evaluation is conducted in the early stages of system implementation to assess how it works in practice and to identify opportunities for improving technical and process performance. A formative evaluation of a teleneurophysiology service was conducted to examine its technical and sociological dimensions.

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. ...

Integrating Information Services in an Academic Setting: The Organizational and Technical Challenge.

Science.gov (United States)

Branin, Joseph J.; And Others

1993-01-01

Describes a project to integrate the support and delivery of information services to faculty and staff at the University of Minnesota from the planning phase to implementation of a new organizational entity. Topics addressed include technical and organizational integration, control and delivery of services, and networking and organizational fit.…

7 CFR 1710.151 - Required findings for all loans.

Science.gov (United States)

2010-01-01

.... Adequate electric service will be made available to the widest practical number of rural users in the... financial and managerial controls will be included in loan documents. See § 1710.113. (d) Interim financing... laws; the rules and policies of the state authority; precedents in other similar cases; statements made...

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...

7 CFR 773.7 - Loan uses.

Science.gov (United States)

2010-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...

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 1927.55 - Title clearance services.

Science.gov (United States)

2010-01-01

... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.55 Title clearance services. (a) Responsibilities of closing agents. Services to be provided to the agency and the borrower by a closing agent in connection with the transaction vary depending on whether a title insurance...

24 CFR 3500.21 - Mortgage servicing transfers.

Science.gov (United States)

2010-04-01

... servicer means a servicer, including a table funding mortgage broker or dealer on a first lien dealer loan..., mortgage broker who anticipates using table funding, or dealer who anticipates a first lien dealer loan... applicants, and material in square brackets is optional or alternative language. The model format may be...

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...

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...

50-year of the Technical Assistance Service to Industry (SATI): notes from a heterodoxy

International Nuclear Information System (INIS)

Enriquez, Santiago N.

2011-01-01

This report is in honor of the 50° creation anniversary of the Service of Technical Assistance to Industry (SATI),a service with no background in Argentina. This occasion is appropriate to think the historical conditions which made possible the existence of the SATI in the National Atomic Energy Commission. Secondly, this report describes its operative characteristics and its achievements in different fields: from the technical and industry-learning aspects, up to the development of the conception about the relation between Science, Technology and Society. (author) [es

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...

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...

7 CFR 764.402 - Loan closing.

Science.gov (United States)

2010-01-01

... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...

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.

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...

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...

75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

Science.gov (United States)

2010-06-25

... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the... degree in nursing. Below are details on how the ACA changes Sections 836(a), 836(b)(1), and 836(b)(3) of...

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.

7 CFR 762.147 - Servicing shared appreciation agreements.

Science.gov (United States)

2010-01-01

... percent of any positive appreciation in the market value of the property securing the loan or line of... 7 Agriculture 7 2010-01-01 2010-01-01 false Servicing shared appreciation agreements. 762.147..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.147 Servicing shared appreciation...

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...

13 CFR 123.408 - How does your business apply for 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 How does your business apply for a pre-disaster mitigation loan? 123.408 Section 123.408 Business Credit and Assistance SMALL BUSINESS... does not constitute an endorsement or technical approval of the project and is not a guarantee that the...

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...

75 FR 34421 - Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor...

Science.gov (United States)

2010-06-17

... DEPARTMENT OF AGRICULTURE Rural Housing Service Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year (FY... the timeframe to submit pre-applications for section 514 Farm Labor Housing (FLH) loans and section...

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...

TECHNICAL SUPPORT AS A BASIS OF HIGH AVAILABILITY LEVEL AND IT SYSTEM SERVICE QUALITY

Directory of Open Access Journals (Sweden)

Dejan Vidojevic

2007-06-01

Full Text Available This work presents the development and implementation methodology of technical support in IT1system operation. Methodology is developed and applied in realistic system (Information system of the Tax administration - DIS 2003, which is technically very complex and highly distributed. The results of IT system availability assessment and identification of the critical components are input parameters in the process of establishing of the technical support. The importance of technical support for achieving optimal IT system availability and IT service quality is assessed according to its operation during one year. The history of technical support system operation is a basis for further continuous improvement.

Medicare program; offset of Medicare payments to individuals to collect past-due obligations arising from breach of scholarship and loan contracts--HCFA. Final rule.

Science.gov (United States)

1992-05-04

This final rule sets forth the procedures to be followed for collection of past-due amounts owed by individuals who breached contracts under certain scholarship and loan programs. The programs that would be affected are the National Health Service Corps Scholarship, the Physician Shortage Area Scholarship, and the Health Education Assistance Loan. These procedures would apply to those individuals who breached contracts under the scholarship and loan programs and who-- Accept Medicare assignment for services; Are employed by or affiliated with a provider, Health Maintenance Organization, or Competitive Medical Plan that receives Medicare payment for services; or Are members of a group practice that receives Medicare payment for services. This regulation implements section 1892 of the Social Security Act, as added by section 4052 of the Omnibus Budget Reconciliation Act of 1987.

75 FR 36099 - Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health...

Science.gov (United States)

2010-06-24

... DEPARTMENT OF HEALTH AND HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health Service Act AGENCY... changes Section 723 of the Public Health Service Act (PHSA) regarding administration of the PCL program...

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…

77 FR 10455 - National Institutes of Health Loan Repayment Programs

Science.gov (United States)

2012-02-22

... science or clinical research parameters and is not targeted toward a specific area (e.g., AIDS) or type of..., whether the time is spent on research, teaching, patient care, or other activities. Living Expenses: Means...) Primary Care Loan (PCL) Program, and (10) Public Health Service Scholarship (PHS) Program; (d) For...

78 FR 20466 - National Institutes of Health Loan Repayment Programs

Science.gov (United States)

2013-04-05

... science or clinical research parameters and is not targeted toward a specific area (e.g., AIDS) or type of..., whether the time is spent on research, teaching, patient care, or other activities. Living expenses means... Shortage Area Scholarship Program, (9) Primary Care Loan (PCL) Program, and (10) Public Health Service...

7 CFR 1717.655 - Exclusion of certain investments, loans, and guarantees.

Science.gov (United States)

2010-01-01

...) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED... which have been purchased as a condition of membership in the supplemental lender, or as a condition of... waste disposal systems; (C) Telecommunication and other electronic communication systems; and (D...

Compliance with technical standards for radiological protection at radiation therapy services in Sao Paulo State, Brazil

International Nuclear Information System (INIS)

Eduardo, Maria Bernadete de Paula; Novaes, Hillegonda Maria Dutilh

2004-01-01

Radiation therapy services provide essential therapeutic procedures for cancer, one of the main causes of population morbidity and mortality. Despite their importance in the health system and their potential risks due to the use of ionizing radiation, there are few studies on such services. We evaluated compliance with technical standards for radiological protection in radiation therapy services in Sao Paulo State, Brazil. Forty-nine services were studied in 2000 through interviews with technical staff. Typologies of performance profiles focusing on structure and process variables were constructed and services compared. Important differences were observed in the services' positions in the health care system, level of complexity, and geographic distribution, with better average performance in structural conditions but very inadequate performance in patient protection, indicating the need for more effective health surveillance. (author)

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...

75 FR 3197 - Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program

Science.gov (United States)

2010-01-20

... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program AGENCY: Rural Business-Cooperative Service, USDA. ACTION: Notice of public meeting. SUMMARY: The Rural Business-Cooperative Service (RBS), an...

Developing e-banking services for rural India: making use of socio-technical prototypes

OpenAIRE

Dittrich, Yvonne; Vaidyanathan, Lakshmi; Gonsalves, Timothy A; Jhunjhunwala, Ashok

2017-01-01

Information and Communication Technology (ICT) is one of the key enablers for including underserved communities in economic and societal development across the world. Our research analyzes several banking service projects developing technical solutions for rural India. This poster presents an experience report based on systematic debriefing of involved project leaders and initiators, triangulated with additional documentation. The concept of Socio-Technical Prototype is developed and used to ...

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...

34 CFR 674.59 - Cancellation for military service.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Cancellation for military service. 674.59 Section 674... Cancellation for military service. (a) Cancellation on a Defense loan. (1) An institution must cancel up to 50... cancellation rate is 121/2 percent of the original loan principal, plus the interest on the unpaid balance...

14 CFR 1271.300 - Professional and technical services.

Science.gov (United States)

2010-01-01

... directly in the preparation, submission, or negotiation of any bid, proposal, or application for that... to law as a condition for receiving that Federal contract, grant, loan, or cooperative agreement. (b... discipline. For example, drafting or a legal document accompanying a bid or proposal by a lawyer is allowable...

31 CFR 21.300 - Professional and technical services.

Science.gov (United States)

2010-07-01

... directly in the preparation, submission, or negotiation of any bid, proposal, or application for that... to law as a condition for receiving that Federal contract, grant, loan, or cooperative agreement. (b... discipline. For example, drafting or a legal document accompanying a bid or proposal by a lawyer is allowable...

Definition of Intervener Services and Interveners in Educational Settings. Technical Report

Science.gov (United States)

National Consortium on Deaf-Blindness, 2013

2013-01-01

This technical report synthesizes the process and information used by National Consortium on Deaf-Blindness (NCDB) in the development of a consistently applied definition of intervener services. It addresses challenges and questions, provides comparisons between interveners and paraprofessionals, and offers definitions, roles and concepts used by…

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...

7 CFR 1466.11 - Technical services provided by qualified personnel not affiliated with USDA.

Science.gov (United States)

2010-01-01

... not affiliated with USDA. 1466.11 Section 1466.11 Agriculture Regulations of the Department of... OPERATIONS ENVIRONMENTAL QUALITY INCENTIVES PROGRAM Contracts and Payments § 1466.11 Technical services provided by qualified personnel not affiliated with USDA. (a) NRCS may use the services of qualified TSPs...

From Payday Loans To Pawnshops: Fringe Banking, The Unbanked, And Health.

Science.gov (United States)

Eisenberg-Guyot, Jerzy; Firth, Caislin; Klawitter, Marieka; Hajat, Anjum

2018-03-01

The fringe banking industry, including payday lenders and check cashers, was nearly nonexistent three decades ago. Today it generates tens of billions of dollars in annual revenue. The industry's growth accelerated in the 1980s with financial deregulation and the working class's declining resources. With Current Population Survey data, we used propensity score matching to investigate the relationship between fringe loan use, unbanked status, and self-rated health, hypothesizing that the material and stress effects of exposure to these financial services would be harmful to health. We found that fringe loan use was associated with 38 percent higher prevalence of poor or fair health, while being unbanked (not having one's own bank account) was associated with 17 percent higher prevalence. Although a variety of policies could mitigate the health consequences of these exposures, expanding social welfare programs and labor protections would address the root causes of the use of fringe services and advance health equity.

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

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.

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...

The applies specific technical requirements to the services of radiological protection according to the 17025

Energy Technology Data Exchange (ETDEWEB)

Marrero Garcia, M.; Fernandez Gomez, I. M.; Prendes Alonso, M.; Molina Perez, D.

2004-07-01

The employment in the Center of Radiation Protection and Hygiene (CRPH) of Cuba, of the standard 17025 for the administration of the quality of the calibration laboratories and test that offer services of radiological protection requires of a technical complement to really determine the technical competence. In the standard 17025, the specific requirements, are mentioned in the annex B (with informative character), where it points out that: {sup T}he requirements specified in the standard 17025 are established in general terms and, although they can be applied to all the test laboratories and applications, they could be necessary applications{sup .} In the CRPH these applications are translated in indispensable technical requirements to evaluate the performance of the services of radiological protection that offers, specifically those of personal monitoring, the calibration of instruments and the metrology of radionuclides. Although the standard 17025 is quite rigorous in the evaluation of technical requirements, to have specific materials not serves alone of tool to the laboratories, but also for the body of accreditation . In the CRPH the permanent employment of this tool has not constituted a practice, but had been good before our clients certain nonconformities to evaluate the performance of the laboratory and to achieve the recovery of the trust in its results. With this work we seek to expose some of these experiences. The experiences of the application of some of the technical requirements, in our case, they have been applied to the service of personal monitoring that offers the Laboratory of Personal Dosimetry. This laboratory is accredited by the National Accreditation Board of the Republic of Cuba (NABC) and besides fulfilling that settled down in 17025, the Approaches of Accreditation for test laboratories and calibration and it should also implant that settled down as specific technical requirements for the recognition of technical competence. (Author

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 ...

From technical quality assurance of radiotherapy to a comprehensive quality of service management system

International Nuclear Information System (INIS)

Kehoe, T.; Rugg, L.

1999-01-01

A hierarchy of dosimetry, planning and machine performance checks and evaluations of clinical outcomes have been widely used in radiotherapy for decades. Procedures, codes of practice and guidance are readily available on the technical aspects of radiotherapy treatments, maintenance of which is achieved by quality control checks within a quality assurance approach to radiotherapy. Recently a series of high profile, well-publicised treatment accidents resulting in damage to patients have focused the attention of both professionals and the public. There is now pressure to introduce formal quality management systems. Patients and their relatives/carers are having their expectations raised but their definition of a quality service differs from that generally considered by the oncology professionals. Most departmental managers and staff have wide experience of quality control checks. They understand the philosophy of quality assurance. However the idea of formal quality systems/quality management is alien to them. What is a professional/departmental manager to do? This paper addresses that question by discussing the underlying principles of quality management covering service provision as well as technical radiotherapy treatment delivery and by providing some guidance based on experience in the practical implementation of quality management through three stages of development: a QA programme incorporating checks on essential parts of the technical treatment delivery, a formal documented certified QA system focusing on technical treatment delivery, a comprehensive quality management system covering all parts of a service. One possible action plan is provided indicating progress through the three stages of development based on experience in one large Radiation Oncology Department. With planning, resources and commitment. a comprehensive quality of service management system is achievable in radiotherapy. (author.)

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.

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

Directory of Open Access Journals (Sweden)

Bernard Ndirangu Wachira

2017-08-01

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

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...

Information Design: A New Approach to Teaching Technical Writing Service Courses

Science.gov (United States)

McKee, Candie DeLane

2012-01-01

This study used a needs assessment, process analysis, process design, and textbook design to develop a new process and new textbook, based on Cargile-Cook's layered literacies, Quesenbery's five qualities of usability, and Carliner's information design theories, for use in technical writing service learning courses. The needs assessment was based…

75 FR 678 - Federal Home Loan Bank Membership for Community Development Financial Institutions

Science.gov (United States)

2010-01-05

... financial support are: (1) Federally regulated insured depository institutions and their holding companies... that provide health care, childcare, educational, cultural, or social services; and (4) community... association, savings and loan association, cooperative bank, homestead association, insurance company, savings...

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...

Voluntary medical male circumcision scale-up in Nyanza, Kenya: evaluating technical efficiency and productivity of service delivery.

Science.gov (United States)

Omondi Aduda, Dickens S; Ouma, Collins; Onyango, Rosebella; Onyango, Mathews; Bertrand, Jane

2015-01-01

Voluntary medical male circumcision (VMMC) service delivery is complex and resource-intensive. In Kenya's context there is still paucity of information on resource use vis-à-vis outputs as programs scale up. Knowledge of technical efficiency, productivity and potential sources of constraints is desirable to improve decision-making. To evaluate technical efficiency and productivity of VMMC service delivery in Nyanza in 2011/2012 using data envelopment analysis. Comparative process evaluation of facilities providing VMMC in Nyanza in 2011/2012 using output orientated data envelopment analysis. Twenty one facilities were evaluated. Only 1 of 7 variables considered (total elapsed operation time) significantly improved from 32.8 minutes (SD 8.8) in 2011 to 30 minutes (SD 6.6) in 2012 (95%CI = 0.0350-5.2488; p = 0.047). Mean scale technical efficiency significantly improved from 91% (SD 19.8) in 2011 to 99% (SD 4.0) in 2012 particularly among outreach compared to fixed service delivery facilities (CI -31.47959-4.698508; p = 0.005). Increase in mean VRS technical efficiency from 84% (SD 25.3) in 2011 and 89% (SD 25.1) in 2012 was not statistically significant. Benchmark facilities were #119 and #125 in 2011 and #103 in 2012. Malmquist Productivity Index (MPI) at fixed facilities declined by 2.5% but gained by 4.9% at outreach ones by 2012. Total factor productivity improved by 83% (p = 0.032) in 2012, largely due to progress in technological efficiency by 79% (p = 0.008). Significant improvement in scale technical efficiency among outreach facilities in 2012 was attributable to accelerated activities. However, ongoing pure technical inefficiency requires concerted attention. Technological progress was the key driver of service productivity growth in Nyanza. Incorporating service-quality dimensions and using stepwise-multiple criteria in performance evaluation enhances comprehensiveness and validity. These findings highlight site-level resource use and sources of

Voluntary Medical Male Circumcision Scale-Up in Nyanza, Kenya: Evaluating Technical Efficiency and Productivity of Service Delivery

Science.gov (United States)

Omondi Aduda, Dickens S.; Ouma, Collins; Onyango, Rosebella; Onyango, Mathews; Bertrand, Jane

2015-01-01

Background Voluntary medical male circumcision (VMMC) service delivery is complex and resource-intensive. In Kenya’s context there is still paucity of information on resource use vis-à-vis outputs as programs scale up. Knowledge of technical efficiency, productivity and potential sources of constraints is desirable to improve decision-making. Objective To evaluate technical efficiency and productivity of VMMC service delivery in Nyanza in 2011/2012 using data envelopment analysis. Design Comparative process evaluation of facilities providing VMMC in Nyanza in 2011/2012 using output orientated data envelopment analysis. Results Twenty one facilities were evaluated. Only 1 of 7 variables considered (total elapsed operation time) significantly improved from 32.8 minutes (SD 8.8) in 2011 to 30 minutes (SD 6.6) in 2012 (95%CI = 0.0350–5.2488; p = 0.047). Mean scale technical efficiency significantly improved from 91% (SD 19.8) in 2011 to 99% (SD 4.0) in 2012 particularly among outreach compared to fixed service delivery facilities (CI -31.47959–4.698508; p = 0.005). Increase in mean VRS technical efficiency from 84% (SD 25.3) in 2011 and 89% (SD 25.1) in 2012 was not statistically significant. Benchmark facilities were #119 and #125 in 2011 and #103 in 2012. Malmquist Productivity Index (MPI) at fixed facilities declined by 2.5% but gained by 4.9% at outreach ones by 2012. Total factor productivity improved by 83% (p = 0.032) in 2012, largely due to progress in technological efficiency by 79% (p = 0.008). Conclusions Significant improvement in scale technical efficiency among outreach facilities in 2012 was attributable to accelerated activities. However, ongoing pure technical inefficiency requires concerted attention. Technological progress was the key driver of service productivity growth in Nyanza. Incorporating service-quality dimensions and using stepwise-multiple criteria in performance evaluation enhances comprehensiveness and validity. These findings

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...

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

Science.gov (United States)

2013-02-06

... DEPARTMENT OF AGRICULTURE Rural Utilities Service 7 CFR Part 1710 Energy Efficiency and... new program that will implement the Energy Efficiency and Conservation Loan Program (EE). The PEA is... 12 to authorize energy audits and energy efficiency measures and devices to reduce demand on electric...

Personal View: How IMF's loan freeze will affect health care in Malawi

African Journals Online (AJOL)

the country failed to meet some of the loan conditions. This was partly ... The need for doctors. The latest ... been pushed to the wall: if the country wants to satisfy the. IMF, then is ... could be employed and service the people who need health.

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 1435.104 - Loan maintenance.

Science.gov (United States)

2010-01-01

... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...

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...

Federal Student Loan Amounts and Terms for Loans Issued in 2016-17

Science.gov (United States)

Project on Student Debt, 2016

2016-01-01

U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…

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...

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.

Technical and quality assurance specifications for dosimetry services

International Nuclear Information System (INIS)

1989-01-01

The Canadian Atomic Energy Control Board (AECB) requires its licensees to establish a program to determine or estimate the radiation doses received by workers exposed to radiation as a result of the licensee's activities. The determination of radiation dose is a two-part process. First a measurement is made; then this measurement is used in a dosimetric model to calculate the dose. This document is concerned only with the first step of the process. It gives guidance on the technical specifications for dosimetry services and the quality assurance program that provides confidence that these specifications are achieved. (L.L.)

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.

13 CFR 120.110 - What businesses are ineligible for SBA business loans?

Science.gov (United States)

2010-01-01

... distribution plans; (g) Businesses deriving more than one-third of gross annual revenue from legal gambling... setting; (l) Consumer and marketing cooperatives (producer cooperatives are eligible); (m) Loan packagers... directly or indirectly more than de minimis gross revenue through the sale of products or services, or the...

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.

76 FR 27952 - Small Business Size Standards: Professional, Scientific and Technical Services.

Science.gov (United States)

2011-05-13

... Administration (SBA or Agency) proposed to increase small business size standards for 35 industries and one sub... SMALL BUSINESS ADMINISTRATION 13 CFR Part 121 RIN 3245-AG07 Small Business Size Standards: Professional, Scientific and Technical Services. AGENCY: U.S. Small Business Administration. ACTION: Proposed...

Development of a Centralized Automated Scientific and Technical Information Service in the People's Republic of Bulgaria.

Science.gov (United States)

Kiratsov, P.

1983-01-01

Discusses the design and organization of the Automated Information Centre, a centralized automated scientific and technical information service established within the main organ of Bulgaria's National System for Scientific and Technical Information, with UNESCO and United Nations Development Program assistance. Problems and perspectives for…

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...

42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

Science.gov (United States)

2010-10-01

... AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS....) applicants, and determine the amount of student loans by considering: (1) The financial resources available... other resources available to the student through the school. For purposes of establishing priority for...

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

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…

24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

Science.gov (United States)

2010-04-01

... acceptable financial risk under HUD's generally applicable loan underwriting standards based on the following: (1) The Borrower's ability to pay debt service; and (2) The value of the collateral assigned or... insufficient to make the guarantee an acceptable financial risk, or if the proposed interest rates or fees are...

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...

77 FR 7489 - Small Business Size Standards: Professional, Technical, and Scientific Services

Science.gov (United States)

2012-02-10

... would (1) provide a competitive advantage to larger firms over their truly small counterparts; (2) allow... Vol. 77 Friday, No. 28 February 10, 2012 Part V Small Business Administration 13 CFR Part 121 Small Business Size Standards: Professional, Technical, and Scientific Services; Final Rule #0;#0...

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...

Advisory Service Marketing Profiles for Soybeans over 2002-2004

OpenAIRE

Colino, Evelyn V.; Cabrini, Silvina M.; Aulerich, Nicole M.; Brandenberger, Tracy L.; Merrin, Robert P.; Shi, Wei; Irwin, Scott H.; Good, Darrel L.; Martines-Filho, Joao Gomes

2006-01-01

This report presents marketing profiles and loan deficiency payment/marketing loan gain profiles for the advisory services followed by the AgMAS Project for the 2002, 2003 and 2004 soybean crops. Marketing profiles are constructed by plotting the cumulative net amount priced under each program’s set of recommendations throughout the crop year. Loan deficiency payment/marketing loan gain (LDP/MLG) profiles are constructed by plotting the cumulative percentage of the crop on which the LDP/MLG w...

Advisory Service Marketing Profiles for Corn over 2002-2004

OpenAIRE

Colino, Evelyn V.; Cabrini, Silvina M.; Aulerich, Nicole M.; Brandenberger, Tracy L.; Merrin, Robert P.; Shi, Wei; Irwin, Scott H.; Good, Darrel L.; Martines-Filho, Joao Gomes

2006-01-01

This report presents marketing profiles and loan deficiency payment/marketing loan gain profiles for the advisory services followed by the AgMAS Project for the 2002, 2003 and 2004 corn crops. Marketing profiles are constructed by plotting the cumulative net amount priced under each program’s set of recommendations throughout the crop year. Loan deficiency payment/marketing loan gain (LDP/MLG) profiles are constructed by plotting the cumulative percentage of the crop on which the LDP/MLG was ...

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...

Technical Services on the Net: Where Are We Now? A Comparative Study of Sixty Web Sites of Academic Libraries

Science.gov (United States)

Wang, Jianrong; Gao, Vera

2004-01-01

This study examines sixty academic libraries' Web sites and finds that 80 percent of them do not have a technical services' homepage. Data reveal that institution's status might be a factor in whether a library has such a page. Further content analysis suggests there is an appropriate and useful public service role that technical services…

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...

[Analysis of the technical efficiency of hospitals in the Spanish National Health Service].

Science.gov (United States)

Pérez-Romero, Carmen; Ortega-Díaz, M Isabel; Ocaña-Riola, Ricardo; Martín-Martín, José Jesús

To analyse the technical efficiency and productivity of general hospitals in the Spanish National Health Service (NHS) (2010-2012) and identify explanatory hospital and regional variables. 230 NHS hospitals were analysed by data envelopment analysis for overall, technical and scale efficiency, and Malmquist index. The robustness of the analysis is contrasted with alternative input-output models. A fixed effects multilevel cross-sectional linear model was used to analyse the explanatory efficiency variables. The average rate of overall technical efficiency (OTE) was 0.736 in 2012; there was considerable variability by region. Malmquist index (2010-2012) is 1.013. A 23% variability in OTE is attributable to the region in question. Statistically significant exogenous variables (residents per 100 physicians, aging index, average annual income per household, essential public service expenditure and public health expenditure per capita) explain 42% of the OTE variability between hospitals and 64% between regions. The number of residents showed a statistically significant relationship. As regards regions, there is a statistically significant direct linear association between OTE and annual income per capita and essential public service expenditure, and an indirect association with the aging index and annual public health expenditure per capita. The significant room for improvement in the efficiency of hospitals is conditioned by region-specific characteristics, specifically aging, wealth and the public expenditure policies of each one. Copyright © 2016 SESPAS. Publicado por Elsevier España, S.L.U. All rights reserved.

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...

The Provision of Services, Interest Margins and Loan Pricing in European Banking

OpenAIRE

Lepetit , Laetitia; Nys , Emmanuelle; Rous , Philippe; Tarazi , Amine

2006-01-01

This paper assesses the implications on bank interest margins of the expansion into non- traditional fee-based activities in European banking. We use a sample of 602 European commercial and cooperative banks from 1996 to 2002 and consider the total income shares of trading income and commission and fee income as measures of product diversification to explore loan pricing. Our results show that a higher income share from commission and fee activities is associated with lower margins and lower ...

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...

75 FR 10707 - MORTGAGE ASSISTANCE RELIEF SERVICES

Science.gov (United States)

2010-03-09

... offer ``forensic audits,'' purported reviews of mortgage loans to determine lender and servicer.... filed Apr. 3, 2009); California Dep't of Real Estate, Consumer Alert 6 (warning consumers of ``forensic... defendants falsely claim to have attorneys or forensic accountants on staff); FTC v. Loan Modification Shop...

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...

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...

76 FR 53880 - Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing...

Science.gov (United States)

2011-08-30

... DEPARTMENT OF AGRICULTURE Rural Housing Service Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year 2011 AGENCY: Rural Housing Service, USDA. ACTION: Notice; correction. SUMMARY: This notice corrects the scoring...

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…

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

TECHNICAL AND PEDAGOGICAL SERVICE QUALITY OF E-LEARNING: a research framework for the development of a systematic means of identification and adaptation testing

Directory of Open Access Journals (Sweden)

Chaminda Chiran Jayasundara

2009-11-01

Full Text Available This paper discusses a research framework that can be applied to develop and measure technical and pedagogical service quality of e-leaning in Sri Lankan phenomenon. This study is an in-depth empirical investigation which seeks to build up an instrument to predict technical and pedagogical service quality of e-learning in Sri Lanka. The specific objectives are to investigate what comprises technical and pedagogical service quality of e-learning: to establish a deeper understanding of the phenomenon to identify effective technical and pedagogical dimensions of: e-learning on user perspectives and finally to develop a scale: to fill the gap detected in the area of assessing/measuring Technical and pedagogical service quality of e- Leaning which can be used by designers and practitioners in the field of e-learning. A comprehensive methodology will be used to design the instrument.

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

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.

7 CFR 1710.104 - Service to non-RE Act beneficiaries.

Science.gov (United States)

2010-01-01

... GUARANTEES Loan Purposes and Basic Policies § 1710.104 Service to non-RE Act beneficiaries. (a) To the... made to finance electric facilities to serve consumers that are not RE Act beneficiaries. (b) Loan...

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.

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 1735.13 - Location of facilities and service for nonrural subscribers.

Science.gov (United States)

2010-01-01

...-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.13 Location of facilities and service for nonrural... times be necessary to provide loan funds to finance telephone facilities which (1) will also serve nonrural subscribers, or (2) are located in nonrural areas. Loans may be approved to finance such...

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…

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.

CERN'S TECHNICAL CONTROL ROOM (TCR) A CENTRAL SERVICE FOR EVERYONE

CERN Multimedia

Mario Batz / TCR Responsible

2000-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate equipment services. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number 72201. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity concerns the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, buildings. These systems can either be part of the administrative infrastructure, such as offices or restaurants, or part of the tec...

CERN'S TECHNICAL CONTROL ROOM (TCR) A CENTRAL SERVICE FOR EVERYONE

CERN Document Server

Mario Batz

2002-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate equipment services. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number '72201'. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity concerns the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, buildings. These systems can either be part of the administrative infrastructure, such as offices or restaurants, or part of the t...

CERN'S TECHNICAL CONTROL ROOM (TCR) A CENTRAL SERVICE FOR EVERYONE

CERN Multimedia

Mario Batz (TCR Responsible)

2001-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate equipment services. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number '72201'. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity concerns the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, buildings. These systems can either be part of the administrative infrastructure, such as offices or restaurants, or part of the t...

CERN'S TECHNICAL CONTROL ROOM (TCR) A CENTRAL SERVICE FOR EVERYONE

CERN Document Server

Mario Batz

2002-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate CERN equipment services or contractors. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number '72201'. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity covers the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, and buildings. These systems can either be part of the administrative infrastructure, such as offices or restaur...

CERN's Technical Control Room (TCR) A Central Service for Everyone

CERN Document Server

Mario Batz

2001-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate equipment services. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number '72201'. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity concerns the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, buildings. These systems can either be part of the administrative infrastructure, such as offices or restaurants, or part of the t...

CERN'S TECHNICAL CONTROL ROOM (TCR) A CENTRAL SERVICE FOR EVERYONE

CERN Multimedia

Mario Batz (TCR Responsible)

2001-01-01

The Technical Control Room (TCR) monitors and operates the entire technical infrastructure of CERN 24 hours a day, 365 days a year. It registers and dispatches troubleshooting requests to the appropriate equipment services. In addition, the TCR executes first-line interventions on the entire CERN site. Troubleshooting requests are transmitted to the TCR either via a computerised control system or via the phone number 72201. More than 10'000 such requests are dispatched and dealt with every year. The TCR's diverse field of activity concerns the following systems: electrical and fluid distribution networks, heating, cooling, ventilation, air-conditioning and gas equipment, safety and communication installations, electromechanical systems (e.g. lifts, cranes, machine tools, motorised doors), sanitary systems (leaks, sewage), control and monitoring infrastructure equipment, buildings. These systems can either be part of the administrative infrastructure, such as offices or restaurants, or part of the tec...

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...

District heating service connections. Technical recommendations. 4. ed. Hausanschluesse an Fernwaermenetze. Technische Richtlinien

Energy Technology Data Exchange (ETDEWEB)

1986-01-01

The fourth edition of the 'Technical regulations - district heating service connections' constitutes a completely revised version answering to the considerable developments and changes the house service sector experienced between 1975 and 1985. Analyses and practical experiences have proved to show that precision thermostats which, depending on the mode of lines and layout of the service system allow to spare central temperature control systems, still have a decisive influence on the design of district heating service stations. The revised chapter on steam line service connections focuses on problems concerning the metering of condensates and the connection of secondary water heating networks to steam lines. The reader finds an updated selection of diagrams as well as a revised appendix listing the AGFW codes of practice and recommendations, relevant DIN standards and relevant VDE/VDI recommendations.

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)

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...

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...

76 FR 41302 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

Science.gov (United States)

2011-07-13

... venture involving a Chevron gas station, Burger King Restaurant, McAlister's Deli and a convenience store... (gasoline stations with convenience stores) and 722211 (limited-service restaurants). DATES: All interested... from one area to another by the loan applicant's business operation; or, (b) An increase in 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...

Loads Providing Ancillary Services: Review of InternationalExperience-- Technical Appendix: Market Descriptions

Energy Technology Data Exchange (ETDEWEB)

Grayson Heffner, Charles Goldman, Kintner-Meyer, M; Kirby, Brendan

2007-05-01

In this study, we examine the arrangements for andexperiences of end-use loads providing ancillary services (AS) in fiveelectricity markets: Australia, the United Kingdom (UK), the Nordicmarket, and the ERCOT and PJM markets in the United States. Our objectivein undertaking this review of international experience was to identifyspecific approaches or market designs that have enabled customer loads toeffectively deliver various ancillary services (AS) products. We hopethat this report will contribute to the ongoing discussion in the U.S.and elsewhere regarding what institutional and technical developments areneeded to ensure that customer loads can meaningfully participate in allwholesale electricity markets.

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.

47 CFR 25.214 - Technical requirements for space stations in the satellite digital audio radio service and...

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Technical requirements for space stations in the satellite digital audio radio service and associated terrestrial repeaters. 25.214 Section 25.214 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES SATELLITE COMMUNICATIONS...

Commercial products and services of research reactors. Proceedings of a technical meeting

International Nuclear Information System (INIS)

2013-07-01

Although the number of operational research reactors is steadily decreasing, more than half of those that remain are greatly underutilized and, in most cases, underfunded. To continue to play a key role in the development of peaceful uses of nuclear technology, the remaining research reactors will need to provide useful products and services to private, national and regional customers, in some cases with adequate revenue generation for reliable, safe and secure facility management and operation. In the light of declining governmental financial support and the need for improved physical security and conversion to low enriched uranium (LEU) fuel, many research reactors have been challenged to generate income to offset increasing operational and maintenance costs. The renewed interest in nuclear power (and therefore in nuclear education and training), the global expansion of diagnostic and therapeutic nuclear medicine, and the extensive use of semiconductors in electronics and in other areas have created new opportunities for research reactors, prominent among them, markets for products and services in regions and countries without such facilities. It is clear that such initiatives towards greater self-reliance will need to address such aspects as market surveys, marketing and business plans, and cost of delivery services. It will also be important to better inform present and future potential end users of research reactor services of the capabilities and products that can be provided. This publication is a compilation of material from an IAEA technical meeting on “Commercial Products and Services of Research Reactors”, held in Vienna, Austria, from 28 June to 2 July 2010. The overall objective of the meeting was to exchange information on good practices and to provide concrete examples, in technical presentations and brainstorming discussions, to promote and facilitate the development of commercial applications of research reactors. The meeting also aimed to

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...

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...

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 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...

13 CFR 120.383 - Restrictions on loan processing.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Restrictions on loan processing. 120.383 Section 120.383 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS.... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender...

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 120.1715 - 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...

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…

Can branding by health care provider organizations drive the delivery of higher technical and service quality?

Science.gov (United States)

Snihurowych, Roman R; Cornelius, Felix; Amelung, Volker Eric

2009-01-01

Despite the widespread use of branding in nearly all other major industries, most health care service delivery organizations have not fully embraced the practices and processes of branding. Facilitating the increased and appropriate use of branding among health care delivery organizations may improve service and technical quality for patients. This article introduces the concepts of branding, as well as making the case that the use of branding may improve the quality and financial performance of organizations. The concepts of branding are reviewed, with examples from the literature used to demonstrate their potential application within health care service delivery. The role of branding for individual organizations is framed by broader implications for health care markets. Branding strategies may have a number of positive effects on health care service delivery, including improved technical and service quality. This may be achieved through more transparent and efficient consumer choice, reduced costs related to improved patient retention, and improved communication and appropriateness of care. Patient satisfaction may be directly increased as a result of branding. More research into branding could result in significant quality improvements for individual organizations, while benefiting patients and the health system as a whole.

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...

Laboratory technical services provides business opportunities for supervisory control and data acquisition systems

International Nuclear Information System (INIS)

Ballard, W.

1994-01-01

The author presents some additional information about what he considers are some really great opportunities for the business community to participate in developing the greatest scientific project in the history of mankind. Facility Engineering Services is part of Laboratory Technical Services. As part of this group, it has the responsibility to direct the construction of interim facilities, scientific labs, production process, cooling towers, cooling ponds and the operation and control of SSC Laboratory conventional support systems. These operations and controls will be accomplished through the employment of a Supervisory Control and Data Acquisition system (SCADA)

Californium-252 sales and loans at Oak Ridge National Laboratory

International Nuclear Information System (INIS)

King, L.J.

1987-01-01

The production and distribution in the United States of 252 Cf has recently been consolidated at the Oak Ridge National Laboratory (ORNL). The 252 Cf Industrial Sales/Loan Program and the 252 Cf University Load Program, which were formerly located at the Savannah River Plant (SRP), have been combined with the californium production and distribution activities of the Transuranium Element Production Program at ORNL. Californium-252 is sold to commercial users in the form of bulk californium oxide, palladium-californium alloy pellets, or alloy wires. Neutron source capsules, which are fabricated for loans to DOE or other US government agencies, are still available in all forms previously available. The consolidation of all 252 Cf distribution activities at the production site is expected to result in better service to users. In particular, customers for neutrons sources will be ale to select from a wider range of neutron source forms, including custom designs, through a single contact point

A DDC Bibliography on Cost/Benefits of Technical Information Services and Technology Transfer.

Science.gov (United States)

Defense Documentation Center, Alexandria, VA.

This bibliography is a compilation of literature existing in both the government and public sectors and concerning Cost/Benefits of Technical information Services and Technology Transfer. Not only was the cost-benefit to the user reflected, but consideration was given to the initial cost of information collections, the cost of processing the…

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...

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

Giving Your Patrons the World: Barriers to, and the Value of, International Interlibrary Loan

Science.gov (United States)

Munson, Kurt; Thompson, Hilary H.

2018-01-01

Using the 2011 and 2015 survey by the Reference and User Services Association Sharing and Transforming Access to Resources Section (RUSA STARS) of international interlibrary loans (ILL), the authors explore barriers to this method of meeting patrons' information needs. They evaluate international ILL in the context of developments in the…

76 FR 21041 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

Science.gov (United States)

2011-04-14

..., equipment and start-up costs of a cooperative based full-service retail grocery store that will carry mostly... convenience) stores). DATES: All interested parties may submit comments in writing no later than April 28... loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor...

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...

13 CFR 120.1710 - Central servicing of the Program.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Central servicing of the Program. 120.1710 Section 120.1710 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1710...

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 1710.119 - Loan processing priorities.

Science.gov (United States)

2010-01-01

... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...

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.

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

An Analysis of the Interaction Effect between Employee Technical and Emotional Competencies in Emotionally Charged Service Encounters

OpenAIRE

Delcourt, Cécile; Gremler, Dwayne; De Zanet, Fabrice; van Riel, Allard

2017-01-01

Purpose—Customers often experience negative emotions during service experiences. The ways that employees manage customers’ emotions and impressions about whether the service provider is concerned for them in such emotionally charged service encounters (ECSEs) is crucial, considering the criticality of the encounter. Drawing on cognitive appraisal theory, this study proposes that two key competencies—employee emotional competence (EEC) and employee technical competence (ETC)—affect negative cu...

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...

7 CFR 636.18 - Technical services provided by qualified personnel not affiliated with USDA.

Science.gov (United States)

2010-01-01

... HABITAT INCENTIVES PROGRAM § 636.18 Technical services provided by qualified personnel not affiliated with... affiliated with USDA. 636.18 Section 636.18 Agriculture Regulations of the Department of Agriculture... provided by qualified personnel not affiliated with USDA may include, but is not limited to: Conservation...

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...

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...

7 CFR 1780.11 - Service area requirements.

Science.gov (United States)

2010-01-01

..., maintenance, debt service, and reserve requirements. Such guarantees from developers will meet the... 7 Agriculture 12 2010-01-01 2010-01-01 false Service area requirements. 1780.11 Section 1780.11... AGRICULTURE (CONTINUED) WATER AND WASTE LOANS AND GRANTS General Policies and Requirements § 1780.11 Service...

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...

13 CFR 120.1716 - Required SBA approval of servicing actions.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Required SBA approval of servicing actions. 120.1716 Section 120.1716 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools...

7 CFR 1925.3 - Servicing taxes.

Science.gov (United States)

2010-01-01

... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... the Government's security interests. Any unusual situations that may arise with respect to tax... through routine servicing of loans by emphasizing the advantages of setting aside sufficient income to...

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...

Bonneville Purchasing Instructions. Appendix 14A, Contracting Officer`s Technical Representatives` Guide for Services Contracts.

Energy Technology Data Exchange (ETDEWEB)

United States. Bonneville Power Administration.

1993-07-01

This guide outlines the duties of BPA personnel designated as Contracting Officers Technical Representatives (COTRs). The BPA Administrator gives contracting officers (COs) in BPA responsibility and authority for awarding and administering contracts. COs are authorized to designate other BPA employees to act as their representatives for purposes of contract administration, from the time of contract award until final receipt and acceptance of the contracted services. COTRs are the individuals primarily relied upon to perform technical contract administration functions. Similar functions for supply and construction contracts are performed by engineering representatives, construction inspectors, and inspectors. Although this Guide is written primarily with the COTR in mind, the concept and operation of teamwork is essential throughout the entire process of contract administration. The CO administers the contract during performance, but rarely has expertise in all of the relevant technical areas. Therefore, CO decisions rely on input from a team. The COTR is an indispensable member of that team. The instructions in this Guide are designed to facilitate this essential CO-COTR cooperation. COTR duties are usually additional to those required of the COTR in his or her assigned line organization. The COTR is still accountable to the line supervisor for performance of regularly-assigned duties. These duties are to be reflected appropriately in performance appraisals and job descriptions. For contract administration duties, however, the COTR reports directly to, and is accountable only to, the CO. The COTR`s supervisor must allow sufficient time to ensure that the COTR can adequately monitor the contract for technical compliance. This Guide is designed for COTRs who are performing service contract (including intergovernmental contract) administration functions as an adjunct to their normal technical duties.

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...

Service Brokerage with Prolog (Poster paper)

NARCIS (Netherlands)

Chong, C.N.; Etalle, Sandro; Hartel, Pieter H.; Joosten, Rieks; Kleinhuis, Geert; Seruca, I.; Cordeiro, J.

Inter-library loan involves interaction among a dynamic number of digital libraries and users. Therefore, inter-library service management is complex. We need to handle different and conflicting requirements of services from the digital libraries and users. To resolve this problem, we present the

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...

77 FR 21793 - Notice of Proposed Information Collection for Public Comment; Loan Guarantee for Indian Housing

Science.gov (United States)

2012-04-11

... Number: 2577-0200. Description of the need for the information and proposed use: The information is... service areas. Mortgage lenders approved by HUD provide borrower and lender information to HUD for... Information Collection for Public Comment; Loan Guarantee for Indian Housing AGENCY: Office of the Assistant...

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...

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...

Does integration of HIV and sexual and reproductive health services improve technical efficiency in Kenya and Swaziland? An application of a two-stage semi parametric approach incorporating quality measures.

Science.gov (United States)

Obure, Carol Dayo; Jacobs, Rowena; Guinness, Lorna; Mayhew, Susannah; Vassall, Anna

2016-02-01

Theoretically, integration of vertically organized services is seen as an important approach to improving the efficiency of health service delivery. However, there is a dearth of evidence on the effect of integration on the technical efficiency of health service delivery. Furthermore, where technical efficiency has been assessed, there have been few attempts to incorporate quality measures within efficiency measurement models particularly in sub-Saharan African settings. This paper investigates the technical efficiency and the determinants of technical efficiency of integrated HIV and sexual and reproductive health (SRH) services using data collected from 40 health facilities in Kenya and Swaziland for 2008/2009 and 2010/2011. Incorporating a measure of quality, we estimate the technical efficiency of health facilities and explore the effect of integration and other environmental factors on technical efficiency using a two-stage semi-parametric double bootstrap approach. The empirical results reveal a high degree of inefficiency in the health facilities studied. The mean bias corrected technical efficiency scores taking quality into consideration varied between 22% and 65% depending on the data envelopment analysis (DEA) model specification. The number of additional HIV services in the maternal and child health unit, public ownership and facility type, have a positive and significant effect on technical efficiency. However, number of additional HIV and STI services provided in the same clinical room, proportion of clinical staff to overall staff, proportion of HIV services provided, and rural location had a negative and significant effect on technical efficiency. The low estimates of technical efficiency and mixed effects of the measures of integration on efficiency challenge the notion that integration of HIV and SRH services may substantially improve the technical efficiency of health facilities. The analysis of quality and efficiency as separate dimensions of

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...

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.

7 CFR 1427.174 - Maturity of seed cotton loans.

Science.gov (United States)