WorldWideScience

Sample records for policy include loan

  1. Repayment policy for multiple loans.

    Directory of Open Access Journals (Sweden)

    Yasmin Agueda Rios-Solis

    Full Text Available The Repayment Policy for Multiple Loans is about a given set of loans and a monthly incoming cash flow: what is the best way to allocate the monthly income to repay such loans? In this article, we close the almost 20-year-old open question about how to model the repayment policy for multiple loans problem together with its computational complexity. Thus, we propose a mixed integer linear programming model that establishes an optimal repayment schedule by minimizing the total amount of cash required to repay the loans. We prove that the most employed repayment strategies, such as the highest interest debt and the debt snowball methods, are not optimal. Experimental results on simulated cases based on real data show that our methodology obtains on average more than 4% of savings, that is, the debtor pays approximately 4% less to the bank or loaner, which is a considerable amount in finances. In certain cases, the debtor can save up to 40%.

  2. Toward Improvement of Credit Policies on Guaranteed Student Loans.

    Science.gov (United States)

    Shay, Robert P.

    Four aspects of the Guaranteed Student Loan (GSL) Program are compared with credit policies on other loans made by consumer installment lenders. The four aspects are: (1) the planning, screening, monitoring, collecting, and write-off policies on GSLs versus uninsured loans; (2) the importance of the Student Loan Marketing Association in providing…

  3. 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.

  4. 38 CFR 36.4224 - Refinancing existing manufactured home loan including purchase of lot.

    Science.gov (United States)

    2010-07-01

    ... manufactured home loan including purchase of lot. 36.4224 Section 36.4224 Pensions, Bonuses, and Veterans... manufactured home loan including purchase of lot. (a) A veteran may refinance (38 U.S.C. 3712(a)(1)(G)) an... conjunction with a loan to acquire a suitable lot on which that manufactured home is or will be located...

  5. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

    ... stated that ``[u]nder this IRPS, TDR loans are as defined in generally accepted accounting principles (GAAP) and the Board does not intend through this policy to change the Financial Accounting Standards..., consistent with industry practice or Federal Financial Institutions Examination Council (FFIEC) requirements...

  6. Models for Determining the Efficiency of Student Loans Policies

    Science.gov (United States)

    Dente, Bruno; Piraino, Nadia

    2011-01-01

    For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…

  7. 38 CFR 8.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... exceed 94 percent of the reserve, and any indebtedness on the policy shall be deducted from the amount.... Treasury Securities for the month of June of the year of calculation rounded down to the next whole...

  8. 76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2011-05-24

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...

  9. Student Loan Debt and Economic Outcomes. Current Policy Perspective No. 14-7

    Science.gov (United States)

    Cooper, Daniel; Wang, J. Christina

    2014-01-01

    This policy brief advances the growing literature on how student loan debt affects individuals' other economic decisions. Specifically, it examines the impact of student loan liabilities on individuals' homeownership status and wealth accumulation. The analysis employs a rich set of financial and demographic control variables that are not…

  10. 12 CFR 723.6 - What must your member business loan policy address?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What must your member business loan policy address? 723.6 Section 723.6 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... other data when necessary to analyze future loans and lines of credit, such as, borrower's history and...

  11. 77 FR 75362 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations

    Science.gov (United States)

    2012-12-20

    ... of agricultural real estate loans (guaranteed securities); and (2) To issue debt obligations (which... be read for ``Farm Credit securities,'' and ``Farmer Mac'' shall be read for ``Farm Credit banks... FARM CREDIT ADMINISTRATION 12 CFR Part 615 Funding and Fiscal Affairs, Loan Policies and...

  12. Should Trade Agreements Include Environmental Policy?

    OpenAIRE

    Josh Ederington

    2010-01-01

    This article examines the extent to which environmental and trade policies should be treated equally, or symmetrically, in international negotiations. It reviews the recent economics literature on trade and the environment to address two questions. First, should trade negotiations include negotiations over environmental policies and the setting of binding environmental standards? Second, if there are grounds for international environmental negotiations, should environmental agreements b...

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

    Energy Technology Data Exchange (ETDEWEB)

    Lantz, E.

    2010-05-01

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

  14. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... institutions, directly or in partnership with other market participants, to purchase loans of failed banks from... fail, farmers, ranchers, producers or harvesters of aquatic products, and cooperatives can be left... others have asked whether System institutions, directly or in partnership with other market participants...

  15. 75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2010-08-18

    ...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

  16. Policy Considerations for a Student-Loan Refinancing Authority

    Science.gov (United States)

    State Council of Higher Education for Virginia, 2016

    2016-01-01

    Access and affordability are the main themes of Goal 1 of The Virginia Plan for Higher Education. Progress toward these goals can be measured by a variety of means, but access and affordability serve as foundational guiding principles as the Commonwealth of Virginia crafts its annual and biennial higher-education budgets. Student-loan debt is but…

  17. Optimizing a Library's Loan Policy: An Integer Programming Approach.

    Science.gov (United States)

    Al-Fares, Hesham K.

    1998-01-01

    Discusses the length of library loan periods and the number of books allowed to be borrowed. An integer programming model is formulated whose solution yields the optimum user satisfaction, and a case study conducted at King Fahd University of Petroleum and Minerals (Saudi Arabia) is presented. (Author/LRW)

  18. 77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

    Science.gov (United States)

    2012-07-03

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

  19. Health Professions and Nursing Student Loan and Scholarship Programs. Manual of Information, Policies, and Procedures.

    Science.gov (United States)

    National Institutes of Health (DHEW), Bethesda, MD. Bureau of Health Manpower Education.

    This manual covers basic policies and procedures governing four student loan and scholarship programs administered within the Bureau of Health Manpower, National Institutes of Health. An introductory chapter provides definitions, procedures, and reporting common to all programs, and this is followed by chapters describing: (1) The Health…

  20. An Operations Research Study of a Variable Loan and Duplication Policy at the University of Lancaster

    Science.gov (United States)

    Buckland, Michael K.

    1972-01-01

    The variable" loan and duplication policy which was developed is described and also the considerable impact of implementation. The work is presented as a case study in library O.R. The great importance of analyzing the structure of problems is stressed and the nature and usefulness of models is described. (9 references) (Author/NH)

  1. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... Restructuring'' is as defined in generally accepted accounting principles (GAAP) and means a restructuring in... definition of a TDR under GAAP. In addition, it is important to recognize the Financial Accounting Standards... accepted accounting principles (GAAP) and the Board does not intend through this policy to change the...

  2. Including environmental concerns in energy policies

    International Nuclear Information System (INIS)

    Potier, Michel

    2014-05-01

    In this article, the author comments the different impacts on the environment and risks related to energy, provided that all energies have an impact on the environment (renewable energies are generally cleaner than fossil energies) and these impacts can be on human health, ecosystems, buildings, crops, landscapes, and climate change. He comments the efforts made in the search for a higher energetic efficiency, and proposes an overview of the various available tools implemented by environmental policies in the energy sector: regulatory instruments, economic instruments, negotiated agreements, and informational instruments. He comments the implementation of an energetic taxing aimed at developing a greater respect of the environment

  3. A DSGE-Based Assessment of Nonlinear Loan-to-Value Policies: Evidence from Hong Kong

    OpenAIRE

    Funke, Michael; Paetz, Michael

    2012-01-01

    In the wake of the 2008-2009 global financial crisis, the macroeconom-ic discussion has returned to the topic of proactive macroprudential policies. One proactive approach, the use of loan-to-value (LTV) policies to curb booming proper-ty markets, has long been used by Hong Kong’s monetary authorities to actively manage and mitigate the potential fallout from housing price bubbles. Here, we ana-lyse the merits of this countercyclical macroprudential policy in a New Keynesian DSGE model. We co...

  4. Hazardous Times for Monetary Policy : What do Twenty-three Million Bank Loans Say about the Effects of Monetary Policy on Credit Risk?

    NARCIS (Netherlands)

    Jiminez, G.; Ongena, S.; Saurina, J.

    2007-01-01

    We investigate the impact of the stance and path of monetary policy on the level of credit risk of individual bank loans and on lending standards. We employ the Credit Register of the Bank of Spain that contains detailed monthly information on virtually all loans granted by all credit institutions

  5. Ecuador's energy policy mix: Development versus conservation and nationalism with Chinese loans

    International Nuclear Information System (INIS)

    Escribano, Gonzalo

    2013-01-01

    Ecuador's energy policy faces a complex variety of political and economic objectives that are difficult to reconcile in a consistent manner. Ecuador is a small oil producer and exporter with significant renewable (mainly hydropower) resources, hosting some of the richest biodiversity areas in the world, part of which are inhabited by so far indigenous un-contacted people. Being a developing country, tensions arise between conservation aims and development imperatives, as well as between resource nationalism and much-needed foreign financing. However, the really limiting factor for the country's energy development seems to be its constraints in financing the government's development and redistributive policies. Resorting to Chinese loans-for-oil may be part of the solution in the short term, but it does not substitute for a more consistent energy policy. Ecuador's case illustrates the dilemmas of energy policy in natural resource-rich developing countries when confronted with diverging political economy, social, environmental and macro-financial goals. - Highlights: ► Ecuador's energy policy lacks coherence and is plagued with inconsistencies. ► Its three main drivers are development, conservation and resource nationalism. ► Fulfilling President Correa's social agenda requires increasing oil production. ► Conservation demands have been subjected to developmental imperatives. ► Chinese loans and investments limit resource nationalism and favour pragmatism

  6. Housing policy and the granting of mortgage loans in the city of Cúcuta

    Directory of Open Access Journals (Sweden)

    Jhon Antuny Pabón-León

    2017-02-01

    Full Text Available This reflection article focuses on housing policy and the granting of mortgage loans in the city of Cúcuta from promulgation of housing policy. It is a descriptive study of quantitative approach, non-experimental, transectional supported in document review addressing three thematic areas: housing policies of the Government, the housing market and housing finance. The House today on day one of the problems that most affect society due among other factors to the growth of cities and next to it is tenure and housing needs. The crisis of housing in Colombia has been one of the most crippling economic problems in recent years and as a result new instruments are designed to provide effective access to housing and care for the potential beneficiaries. Thus arises the concern about what was the impact on the allocation of mortgage loans in the city of Cúcuta from promulgation of housing policy? It is concluded that although opinions differ on the effectiveness of housing policy clearly program presented a positive balance in the city of Cúcuta.

  7. Combining tariffs, investment subsidies and soft loans in a renewable electricity deployment policy

    International Nuclear Information System (INIS)

    Mir-Artigues, Pere; Río, Pablo del

    2014-01-01

    Policy combinations and interactions have received a considerable attention in the climate and energy policy realm. However, virtually no attention has been paid to the analysis of the combination of different deployment instruments for the same renewable energy technology. This neglect is all the more striking given the existence in current policy practice of combinations of deployment instruments either across technologies or for the same technology, both in the EU and elsewhere. What renewable electricity support policies to use and, therefore, how to combine them in order to promote the deployment of renewable energy technologies cost-effectively is a main concern of governments. The aim of this paper is to provide insight on the cost-effectiveness of combinations of deployment instruments for the same technology. A financial model is developed for this purpose, whereby feed-in tariffs (FITs) are combined with investment subsidies and soft loans. The results show that the policy costs of combinations are the same as for the FITs-only option. Therefore, combining deployment instruments is not a cost-containment strategy. However, combinations may lead to different inter-temporal distributions of the same amount of policy costs and, thus, differently affect the social acceptability and political feasibility of renewable energy support. - Highlights: • Insight on the cost-effectiveness of combinations of deployment instruments for the same technology. • A financial model is developed. • Feed-in tariffs (FITs) are combined with investment subsidies and soft loans. • The policy costs of combinations are the same as for the FITs-only option. • Therefore, combining deployment measures is not a cost-containment strategy

  8. Default Risk and Private Student Loans: Implications for Higher Education Policies

    OpenAIRE

    Ionescu, Felicia; Simpson, Nicole B.

    2014-01-01

    The private market for student loans has become an important source of college financing in the United States. Unlike government student loans, the terms on student loans in the private market are based on credit status. We quantify the importance of the private market for student loans and of credit status for college investment in a general equilibrium heterogeneous life-cycle economy. We find that students with good credit status invest in more college education (compared to those with bad...

  9. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

    ... loan size, complexity and risk exposure (b) The procedures to be followed in credit analysis (c) The minimum standards for loan disbursement, servicing and collections (d) Requirements for collateral and... debt from cashflow (2) That are appropriate for each loan program and the institution's risk-bearing...

  10. 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

  11. Included as Excluded and Excluded as Included: Minority Language Pupils in Norwegian Inclusion Policy

    Science.gov (United States)

    Hilt, Line Torbjørnsen

    2015-01-01

    This article offers an analysis of four Norwegian policy documents on inclusion of minority language pupils. The main concepts of this policy will be reconstructed and re-described, applying Niklas Luhmann's systems theory at different levels of the analysis. Luhmann's theory about society as a conglomerate of self-referential social systems…

  12. Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report

    Science.gov (United States)

    Fernandez, Chris

    2016-01-01

    To manage their loans effectively, U.S. postsecondary student loan borrowers must make a variety of important decisions that require significant knowledge and financial skills and entail considerable risk. Federal law requires colleges to provide student loan counseling to their federal student loan borrowers, but there is significant room for…

  13. Policy impact of the Indonesian Central Bank certificate related on loan interest rate to the demand growth of property

    Science.gov (United States)

    Wirjodirdjo, B.; Asjari, H. Y.

    2018-04-01

    The Indonesian economic indicators shown a positive progress in the last three years, Foreign exchange reserves position of the end of March 2017 stood at US 121.8 billion higher than the position of the end of 2015 amounted to US 105.9 billion of the end of 2015. This reserve would ensure the resilience and maintaining sustainable Indonesian economic growth in the future. Although Indonesia’s foreign exchange is better, the structure of expenditure in the country is still less than ideal due the proportion of spending of consumer goods is far greater than the capital goods and tend to be unproductive spending. This needs to be regulated so that in the long term does not cause balance of payments deficit. Therefore, Indonesian Central Bank took a policy to raise interest rates for retail banks from 6% to 7.25% per annum gradually up to present. Policies relating to the interest rates on loans are intended to reduce the proportion of debt financing of consumer goods, however, these policies have implications to various economic sectors and one of those is property sector. A lot of research has been conducted related the impact of loan interest to the property sector but most of it is still in partial related to the ability the people to buy. However, this research has tried to see the implication of the macro Economic Policy of Indonesian Central Bank to the property sector as a systemic problem. This paper is going to present the study on the effects of these policies on the property sector, especially residence house. To obtain a comprehensive analysis and capture the relationship between interest rate policies and their impacts to the property sector, in this study the model developed and simulated using system dynamic methodology as an approach. Various scenarios are applied to the model to get an accurate information about how and when the effectiveness of the policy related to the property sector can be enforced. The result of this study can be delivered to

  14. Responses to Including Parents in Teacher Evaluation Policy: A Critical Policy Analysis

    Science.gov (United States)

    Fernández, Erica; LeChasseur, Kimberly; Donaldson, Morgaen L.

    2018-01-01

    The intersection of development in family and school settings has been well established and education policies have begun to promote ways to bridge the two contexts (i.e. teacher evaluations). For this manuscript, authors focus on how teachers and principals used a state educator evaluation policy to position parents as authorities on education.…

  15. Do No-Loan Policies Change the Matriculation Patterns of Low-Income Students?

    Science.gov (United States)

    Waddell, Glen R.; Singell, Larry D., Jr.

    2011-01-01

    We examine whether there is discernable variation in the matriculation patterns of low-income students at public flagship institutions around changes in institutional financial-aid policies that target resident, low-income students with need-based aid. Overall, our results suggests that need is not being met on the extensive margin and that…

  16. Considerations When Including Students with Disabilities in Test Security Policies. NCEO Policy Directions. Number 23

    Science.gov (United States)

    Lazarus, Sheryl; Thurlow, Martha

    2015-01-01

    Sound test security policies and procedures are needed to ensure test security and confidentiality, and to help prevent cheating. In this era when cheating on tests draws regular media attention, there is a need for thoughtful consideration of the ways in which possible test security measures may affect accessibility for some students with…

  17. 13 CFR 120.545 - What are SBA's policies concerning the liquidation of collateral and the sale of business loans...

    Science.gov (United States)

    2010-01-01

    ... security instrument (see § 120.550 for Homestead Protection for Farmers). (1) Competitive bids or... financial assistance have no rights of contribution against SBA on an SBA guaranteed or direct loan. SBA is...

  18. New organ transplant policies in Japan, including the family-oriented priority donation clause.

    Science.gov (United States)

    Aita, Kaoruko

    2011-03-15

    The revised Organ Transplant Law in Japan that took effect in July 2010 allows organ procurement from brain-dead individuals, including children, only with family consent. The amended law also allows individuals to prioritize family members to receive their donated organs after death. This policy differs from the prioritization policy in Israel, which provides incentives to individuals who agree to help each other in society and rectifies the problem of free riders, individuals who are willing to accept an organ but refuse to donate. Despite these differences, however, the Japanese and Israeli policies have revealed new ethical dilemmas, including the fear of compromising fairness in organ allocation.

  19. 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. ...

  20. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide instructions...

  1. Including policy and management in socio-hydrology models: initial conceptualizations

    Science.gov (United States)

    Hermans, Leon; Korbee, Dorien

    2017-04-01

    Socio-hydrology studies the interactions in coupled human-water systems. So far, the use of dynamic models that capture the direct feedback between societal and hydrological systems has been dominant. What has not yet been included with any particular emphasis, is the policy or management layer, which is a central element in for instance integrated water resources management (IWRM) or adaptive delta management (ADM). Studying the direct interactions between human-water systems generates knowledges that eventually helps influence these interactions in ways that may ensure better outcomes - for society and for the health and sustainability of water systems. This influence sometimes occurs through spontaneous emergence, uncoordinated by societal agents - private sector, citizens, consumers, water users. However, the term 'management' in IWRM and ADM also implies an additional coordinated attempt through various public actors. This contribution is a call to include the policy and management dimension more prominently into the research focus of the socio-hydrology field, and offers first conceptual variables that should be considered in attempts to include this policy or management layer in socio-hydrology models. This is done by drawing on existing frameworks to study policy processes throughout both planning and implementation phases. These include frameworks such as the advocacy coalition framework, collective learning and policy arrangements, which all emphasis longer-term dynamics and feedbacks between actor coalitions in strategic planning and implementation processes. A case about longter-term dynamics in the management of the Haringvliet in the Netherlands is used to illustrate the paper.

  2. Advantages and Disadvantages of Student Loans Repayment Patterns

    Science.gov (United States)

    Shen, Hua

    2010-01-01

    It is a difficulty problem to choice repayment patterns of student loan. "Conventional mortgage-type loan" and "Income contingent loan" has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice…

  3. CERN’s Computing rules updated to include policy for control systems

    CERN Document Server

    IT Department

    2008-01-01

    The use of CERN’s computing facilities is governed by rules defined in Operational Circular No. 5 and its subsidiary rules of use. These rules are available from the web site http://cern.ch/ComputingRules. Please note that the subsidiary rules for Internet/Network use have been updated to include a requirement that control systems comply with the CNIC(Computing and Network Infrastructure for Control) Security Policy. The security policy for control systems, which was approved earlier this year, can be accessed at https://edms.cern.ch/document/584092 IT Department

  4. 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...

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

    Science.gov (United States)

    2010-01-01

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

  6. 13 CFR 120.215 - 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. 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

  8. Policies for including disabled people in education. obstacles and facilitating factors for their implementation: Bucaramanga, 2010

    Directory of Open Access Journals (Sweden)

    Claudia P. Serrano R

    2011-07-01

    Full Text Available Objective: to explore the factors enabling or hindering the implementation of inclusive education policies for the disabled population of Bucaramanga. Methodology: a descriptive study, involving representatives from governmental agencies (EG, members of the faculty boards of educational institutions (DIE and guardians of disabled individuals (APSD. Physical, social, and political obstacles and facilitating factors that could potentially determine the implementation of these policies were analyzed. Data was collected through interviews. Results: there was a total of 2, 32, and 34 participants from the EG, DIE, and APSD groups respectively. Identified obstacles included: lack of strategies to support educational institutions, poor or limited teacher training, high tuition fees, and negative attitude towards disability. The facilitating factors included: availability of places, inclusion of this issue in the political agenda, and desire of the disabled individuals’ families to provide them with education. Discussion: These findings provide useful information for further research on this issue and show how action has been taken, as well as how urgent it is to establish a direct relationship between academia and the public sector to propose strategies for assessing and modifying these policies.

  9. Evaluating Tobacco Control Policies in 28 Countries (including 9 EU countries: The ITC Project

    Directory of Open Access Journals (Sweden)

    Geoffrey Fong

    2016-03-01

    Full Text Available Since its start in 2002, the ITC Project has been conducting evaluation studies of tobacco control policies via prospective cohort surveys of tobacco users in 28 countries, including 9 EU countries. This presentation will focus on the design of the ITC Project and how it differs from and complements existing evidence-gathering systems (monitoring and surveillance systems in measuring and understanding the impact of FCTC policies. The presentation will also describe the ITC Project's most recent initiatives: (1 the EUREST-PLUS study focusing on measuring the impact of the Tobacco Products Directive, and (2 a large-scale international cohort study of e-cigarettes starting in the United States, Canada, England, and Australia.

  10. Learning to lend for off-grid solar power: policy lessons from World Bank loans to India, Indonesia, and Sri Lanka

    Energy Technology Data Exchange (ETDEWEB)

    Miller, Damian; Hope, Chris [Cambridge Univ., Judge Inst. of Management Studies, Cambridge (United Kingdom)

    2000-02-01

    The World Bank has sought to advance the diffusion of solar photovoltaic (PV) technology for off-grid applications in the developing world. As these systems are fundamentally different to centralised power stations and conventional rural electrification, the World Bank has been learning how best to lend for such technology. This study seeks to highlight the lessons learnt from the World Bank's first loans for off-grid PV to India, Indonesia, and Sri Lanka. It uses lifetime cost analysis to justify continued intervention in this sector, and it draws on theories of innovation diffusion to guide analysis and ultimately policy recommendations. Because of the special role of entrepreneurial start up companies in the rural PV sector, the paper also uses a company cash flow model to demonstrate the efficacy of various supply-side policies. Finally, the study concludes with a checklist of policy lessons and a consideration of the role of the International Finance Corporation in this sector. (Author)

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

    Science.gov (United States)

    Bickham, Trey; Lim, Younghee

    2015-01-01

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

  12. Para Politikasının Kredi Faiz Oranlarına Geçişkenliği Üzerine Dinamik Bir Analiz: Türkiye Örneği(A Dynamic Analysis on Pars-Through of Monetary Policy to Loan Rates: The Case of Turkey

    Directory of Open Access Journals (Sweden)

    Nilgün ÇAĞLARIRMAK USLU

    2016-12-01

    Full Text Available In this paper, we investigated that the pass-through from policy interest rate to loan rates for the period 2002:01-2014:12 in Turkey. Accordingly, using Bound test approach proposed by Peseran at al. (2001, we investigated co-integration relationship and found long run co-integration relationship between money market rate and cash, automobile and house loan rates. After detecting co-integration relationship, the short and long term relationship between the money market rate and cash, automobile and house loan rates were analyzed by employing ARDL model. Finally, we analyzed the effect of money market rate on cash, automobile and house loan rate dynamically employing Kalman Filter model. Empirical results suggest that cash loans have the highest passthrough adjustment and the dynamic effects of the policy rate on the loan rates generally has decreased until 2008 and is more stable after the global financial crisis

  13. 'Including health in systems responsible for urban planning': a realist policy analysis research programme.

    Science.gov (United States)

    Harris, Patrick; Friel, Sharon; Wilson, Andrew

    2015-07-23

    Realist methods are increasingly being used to investigate complex public health problems. Despite the extensive evidence base clarifying the built environment as a determinant of health, there is limited knowledge about how and why land-use planning systems take on health concerns. Further, the body of research related to the wider determinants of health suffers from not using political science knowledge to understand how to influence health policy development and systems. This 4-year funded programme of research investigates how the land-use planning system in New South Wales, Australia, incorporates health and health equity at multiple levels. The programme uses multiple qualitative methods to develop up to 15 case studies of different activities of the New South Wales land-use planning system. Comparison cases from other jurisdictions will be included where possible and useful. Data collection includes publicly available documentation and purposively sampled stakeholder interviews and focus groups of up to 100 participants across the cases. The units of analysis in each case are institutional structures (rules and mandates constraining and enabling actors), actors (the stakeholders, organisations and networks involved, including health-focused agencies), and ideas (policy content, information, and framing). Data analysis will focus on and develop propositions concerning the mechanisms and conditions within and across each case leading to inclusion or non-inclusion of health. Data will be refined using additional political science and sociological theory. Qualitative comparative analysis will compare cases to develop policy-relevant propositions about the necessary and sufficient conditions needed to include health issues. Ethics has been approved by Sydney University Human Research Ethics Committee (2014/802 and 2015/178). Given the nature of this research we will incorporate stakeholders, often as collaborators, throughout. We outline our research translation

  14. 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

  15. Student loan debt and economic outcomes

    OpenAIRE

    Cooper, Daniel H.; Wang, J. Christina

    2014-01-01

    This policy brief examines the impact of student loan debt on individuals' homeownership status and wealth accumulation, employing a rich set of financial and demographic variables that are not available in many of the existing studies that use credit bureau data. It is important to understand whether and, if so, how student loan debt affects households' economic decisions because student loan debt has now surpassed credit card debt to become the second largest amount of household debt outsta...

  16. 12 CFR 723.20 - How can a state supervisory authority develop and enforce a member business loan regulation?

    Science.gov (United States)

    2010-01-01

    ... state regulation minimizes the risk and accomplishes the overall objectives of NCUA's member business... member business loan; (2) Loan to one borrower limits; (3) Written loan policies; (4) Collateral and...

  17. 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,…

  18. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... workforce of a relocating small business or a substantial increase in unemployment in any area of the... crucial to the continued existence, economic wellbeing, and/or competitiveness of the applicant; and (2...

  19. Is welfare all that matters? A discussion of what should be included in policy-making regarding animals

    DEFF Research Database (Denmark)

    Yeates, J.W.; Röcklinsberg, H.; Gjerris, Mickey

    2011-01-01

    Policy-making concerned with animals often includes human interests, such as economy, trade, environmental protection, disease control, species conservation etc. When it comes to the interests of the animals, such policy-making often makes use of the results of animal welfare science to provide...... assessments of ethically relevant concerns for animals. This has provided a scientific rigour that has helped to overcome controversies and allowed debates to move forward according to generally agreed methodologies. However, this focus can lead to policies leaving out other important issues relevant...... to animals. This can be considered as a problem of what is included in welfare science, or of what is included in policy. This suggests two possible solutions: expanding animal welfare science to address all ethical concerns about animals’ interests or widening the perspective considered in policy...

  20. Including Energy Efficiency and Renewable Energy Policies in Electricity Demand Projections

    Science.gov (United States)

    Find more information on how state and local air agencies can identify on-the-books EE/RE policies, develop a methodology for projecting a jurisdiction's energy demand, and estimate the change in power sector emissions.

  1. The Influence of Macroeconomic Trends on the Repayment of Loans by Households: Evidence from the Federation of Bosnia and Herzegovina and Policy Reccomendations

    Directory of Open Access Journals (Sweden)

    Pašić Sanela

    2016-04-01

    Full Text Available This paper explores the influence of macroeconomic indicators, namely GDP growth, the Consumer Price Index and the unemployment rate on the quality of loan repayments by households in the banking market of the Federation of Bosnia and Herzegovina. Potential influence is observed over a period of fourteen years at the level of nonperforming household loans using regression analysis. The authors aim to determine whether macroeconomic forces actually influence loan repayment, and if so how and what can be done by banks to utilize this information in order to reduce future credit losses, and by the government to maintain the stability of the banking sector.

  2. Women and tobacco: a call for including gender in tobacco control research, policy and practice.

    Science.gov (United States)

    Amos, Amanda; Greaves, Lorraine; Nichter, Mimi; Bloch, Michele

    2012-03-01

    Female smoking is predicted to double between 2005 and 2025. There have been numerous calls for action on women's tobacco use over the past two decades. In the present work, evidence about female tobacco use, progress, challenges and ways forward for developing gendered tobacco control is reviewed. Literature on girls, women and tobacco was reviewed to identify trends and determinants of tobacco use and exposure, the application of gender analysis, tobacco marketing, the impact of tobacco control on girls and women and ways to address these issues particularly in low-income and middle-income countries. Global female tobacco use is increasingly complex, involving diverse products and factors including tobacco marketing, globalisation and changes in women's status. In high-income countries female smoking is declining but is increasingly concentrated among disadvantaged women. In low-income and middle-income countries the pattern is more complex; in several regions the gap between girls' and boys' smoking is narrow. Gendered analyses and approaches to tobacco control are uncommon, especially in low-income and middle-income countries. Tobacco control has remained largely gender blind, with little recognition of the importance of understanding the context and challenges of girl's and women's smoking and secondhand smoke exposure. There has been little integration of gender considerations in research, policy and programmes. The present work makes a case for gender and diversity analyses in tobacco control to reflect and identify intersecting factors affecting women's tobacco use. This will help animate the WHO Framework Convention on Tobacco Control's concern for gender specificity and women's leadership, and reduce the impact of tobacco on women.

  3. 12 CFR 614.4231 - Certain seasonal commodity loans to cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Certain seasonal commodity loans to... POLICIES AND OPERATIONS Loan Terms and Conditions § 614.4231 Certain seasonal commodity loans to cooperatives. Loans on certain commodities that are part of government programs shall comply with the criteria...

  4. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

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

  5. 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…

  6. Telehealth among US hospitals: several factors, including state reimbursement and licensure policies, influence adoption.

    Science.gov (United States)

    Adler-Milstein, Julia; Kvedar, Joseph; Bates, David W

    2014-02-01

    Telehealth is widely believed to hold great potential to improve access to, and increase the value of, health care. Gaining a better understanding of why some hospitals adopt telehealth technologies while others do not is critically important. We examined factors associated with telehealth adoption among US hospitals. Data from the Information Technology Supplement to the American Hospital Association's 2012 annual survey of acute care hospitals show that 42 percent of US hospitals have telehealth capabilities. Hospitals more likely to have telehealth capabilities are teaching hospitals, those equipped with additional advanced medical technology, those that are members of a larger system, and those that are nonprofit institutions. Rates of hospital telehealth adoption by state vary substantially and are associated with differences in state policy. Policies that promote private payer reimbursement for telehealth are associated with greater likelihood of telehealth adoption, while policies that require out-of-state providers to have a special license to provide telehealth services reduce the likelihood of adoption. Our findings suggest steps that policy makers can take to achieve greater adoption of telehealth by hospitals.

  7. Remembering the ultimate goal of environmental protection: including protection of impoverished citizens in China's environmental policy.

    Science.gov (United States)

    Cao, Shixiong; Chen, Li; Zhu, Qingke

    2010-01-01

    The life of impoverished people can be damaged by adverse environmental conditions, but these people can also be harmed by environmental conservation programs, particularly when the guiding policy ignores their needs. To improve the social and economic effectiveness of environmental protection, governments must understand that the ultimate goal of environmental protection is to improve human livelihoods, not just restore vegetation. The elimination of poverty by the development of sustainable, long-term enterprises is a precondition for successful ecological restoration.

  8. 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...... been violated in the prior contract, with tighter thresholds....

  9. 7 CFR 4279.113 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ... agricultural-production portion of any loan will not exceed 50 percent of the total loan or $1 million... guarantee fee. (v) Tourist and recreation facilities, including hotels, motels, and bed and breakfast...

  10. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

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

  11. SEVERAL MEASURES OF BUDGETARY POLICY

    Directory of Open Access Journals (Sweden)

    Ioan Dan Morar

    2012-12-01

    Full Text Available Budget policy for the funding and sometimes care about the public sector, certain actions and utilities on the private sector within limits set by the strategies, tactics and operational deciyiile promoted executive. Phenomenon budget includes both revenues and expenditure side edge contained in the public budget. Often, perhaps excessive zeal in translating domain-specific phrases are even officially speak about "fiscal policy measures", with reference to all areas of the budget, containing and thus the budget expenditure. Budgetary policy has several specific policy budget subdomains like Cookie fiscal policy, budget expenditure allocation Polti, policy and public loans.

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

    Science.gov (United States)

    Canton, Erik; Blom, Andreas

    2004-01-01

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

  13. 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.

  14. A Database Management System for Interlibrary Loan.

    Science.gov (United States)

    Chang, Amy

    1990-01-01

    Discusses the increasing complexity of dealing with interlibrary loan requests and describes a database management system for interlibrary loans used at Texas Tech University. System functions are described, including file control, records maintenance, and report generation, and the impact on staff productivity is discussed. (CLB)

  15. Including Adulthood in Music Education Perspectives and Policy: A Lifespan View

    Science.gov (United States)

    Myers, David E.

    2012-01-01

    Music learning among adults is witnessing rapid escalation as an important area of research and practice among music education professionals. In contrast to the years encompassed by childhood and adolescence, a significant challenge in teaching adults is that average life expectancies in developed countries include some 55 to 65 years beyond age…

  16. What Triggers Loan Repayment Failure of Consumer Loans – Evidence from Bosnia and Herzegovina

    Directory of Open Access Journals (Sweden)

    Sanela Pasic

    2016-01-01

    Full Text Available This research explores most dominant lending product to population of Bosnia and Herzegovina, a consumer loan, with aim to answer the question of what factors trigger loan repayment failure. It explores relation of borrower characteristics such as gender, age, level of indebtness to likeliness of loan repayment by use of probit on banking data sample representing 39% of the market share in the country. It identifies factors which lead to loan repayment failure and also provides exact empirical model for default prediction at loan approval stage. Main audience of this research should be banks, which could use the finding of the study to adjust their credit policies and risk appetite to ensure that lending losses from this strongly present product are minimized, thus leading to stable and financially sound banking sector.

  17. Nation-building policies in Timor-Leste: disaster risk reduction, including climate change adaptation.

    Science.gov (United States)

    Mercer, Jessica; Kelman, Ilan; do Rosario, Francisco; de Deus de Jesus Lima, Abilio; da Silva, Augusto; Beloff, Anna-Maija; McClean, Alex

    2014-10-01

    Few studies have explored the relationships between nation-building, disaster risk reduction and climate change adaptation. Focusing on small island developing states, this paper examines nation-building in Timor-Leste, a small island developing state that recently achieved independence. Nation-building in Timor-Leste is explored in the context of disaster risk reduction, which necessarily includes climate change adaptation. The study presents a synopsis of Timor-Leste's history and its nation-building efforts as well as an overview of the state of knowledge of disaster risk reduction including climate change adaptation. It also offers an analysis of significant gaps and challenges in terms of vertical and horizontal governance, large donor presence, data availability and the integration of disaster risk reduction and climate change adaptation for nation-building in Timor-Leste. Relevant and applicable lessons are provided from other small island developing states to assist Timor-Leste in identifying its own trajectory out of underdevelopment while it builds on existing strengths. © 2014 The Author(s). Disasters © Overseas Development Institute, 2014.

  18. 7 CFR 1714.8 - Hardship rate loans.

    Science.gov (United States)

    2010-01-01

    ... the consumer income tests will be determined on a weighted average based on the percentage of the...'s total electric system exceeds 17, the borrower must include, as a note on RUS Form 740c, Cost Estimates and Loan Budget for Electric Borrowers, submitted as part of the loan application for a loan at...

  19. Credit worthiness and loan repayment performance among farmer ...

    African Journals Online (AJOL)

    Credit worthiness and loan repayment performance among farmer cooperators in Owerri Agricultural Zone of Imo State, Nigeria. ... policies that will improve the linkage between farmer cooperatives and formal credit sources in the area. Keywords: Credit worthiness, loan repayment, farmers, cooperative societies and credit ...

  20. Bank loan loss provisions research: A review

    Directory of Open Access Journals (Sweden)

    Peterson K. Ozili

    2017-09-01

    Full Text Available We review the recent academic and policy literature on bank loan loss provisioning. Among other things, we observe that there exist some interaction between LLPs and existing prudential, accounting, institutional, cultural, religious, tax and fiscal frameworks which differ across countries; and we find that managerial discretion in provisioning is strongly linked to income smoothing, capital management, signalling, tax management and other objectives. We also address several issues including the ethical dimensions of income smoothing, factors influencing income smoothing, methodological issues in LLP modelling and the dynamic loan loss provisioning experiment; which opens up several avenues for further research such as: finding a balance between sufficient LLPs which regulators want versus transparent LLPs which standard setters want; the sensitivity of abnormal LLPs to changes in equity; the persistence of abnormal LLPs following CEO exit; country-specific interventions that induce LLP procyclicality in emerging countries; the impact of Basel III on banks' provisioning discretion; LLP behaviour among systemic and non-systemic financial institutions; etc. We conclude that regulators need to pay attention to how much discretion lending institutions should have in determining reported provision estimates, and this has been a long standing issue.

  1. 76 FR 62050 - Issuance of a Loan Guarantee to Abengoa Bioenergy Biomass of Kansas, LLC for the Abengoa...

    Science.gov (United States)

    2011-10-06

    ... million loan guarantee under Title XVII of the Energy Policy Act of 2005 (EPAct 2005) to Abengoa Bioenergy... Efficiency and Renewable Energy (EERE) Golden Field Office. DOE published a Record of Decision (ROD) on... Section 1705 projects include renewable energy projects and related manufacturing facilities, electric...

  2. Including values in evidence-based policy making for breast screening: An empirically grounded tool to assist expert decision makers.

    Science.gov (United States)

    Parker, Lisa

    2017-07-01

    Values are an important part of evidence-based decision making for health policy: they guide the type of evidence that is collected, how it is interpreted, and how important the conclusions are considered to be. Experts in breast screening (including clinicians, researchers, consumer advocates and senior administrators) hold differing values in relation to what is important in breast screening policy and practice, and committees may find it difficult to incorporate the complexity and variety of values into policy decisions. The decision making tool provided here is intended to assist with this process. The tool is modified from more general frameworks that are intended to assist with ethical decision making in public health, and informed by data drawn from previous empirical studies on values amongst Australian breast screening experts. It provides a structured format for breast screening committees to consider and discuss the values of themselves and others, suggests relevant topics for further inquiry and highlights areas of need for future research into the values of the public. It enables committees to publicly explain and justify their decisions with reference to values, improving transparency and accountability. It is intended to act alongside practices that seek to accommodate the values of individual women in the informed decision making process for personal decision making about participation in breast screening. Copyright © 2017 Elsevier B.V. All rights reserved.

  3. 13 CFR 120.970 - Servicing of 504 loans and Debentures.

    Science.gov (United States)

    2010-01-01

    ... including receipt and review of the Borrower's or Operating Company's financial statements on an annual or more frequent basis and monitoring the status of the Borrower and 504 loan collateral. (c) The CDC is... LOANS Development Company Loan Program (504) Servicing § 120.970 Servicing of 504 loans and Debentures...

  4. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC... percent guarantees of private-sector loans under section 311. Under section 311 of the RE Act, both... from RUS a 90 percent guarantee of a private-sector loan to refinance their Federal Financing Bank...

  5. 5 CFR 1655.20 - Residential loans.

    Science.gov (United States)

    2010-01-01

    ...'s primary residence is his or her principal residence. A primary residence may include a house, a... residence. A residential loan will not be made for a lease-to-buy option, unless the option to buy is being...

  6. 7 CFR 1721.103 - Policy.

    Science.gov (United States)

    2010-01-01

    ... consumer loans, e.g., energy resource conservation (ERC) program, contribution-in-aid of construction (CIAC... POST-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS Extensions of Payments of Principal and..., consideration shall be given to the effect of such extensions on the security of the Government's loans, and on...

  7. Testimony: Combating the Student Loan Burden

    Science.gov (United States)

    Helmcamp, Leslie

    2012-01-01

    The Center for Public Policy Priorities (CPPP) provides written testimony on the Senate Higher Education Committee interim charges exploring student financial aid and the issue of student loan debt Texas institutions of higher education. This paper highlights recommendations for strengthening and improving the financial aid system in Texas to…

  8. 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…

  9. Associations Between Pharmacy Students' Attitudes Toward Debt, Stress, and Student Loans.

    Science.gov (United States)

    Chisholm-Burns, Marie A; Spivey, Christina A; Jaeger, Melanie C; Williams, Jennifer

    2017-09-01

    Objective. To assess graduating pharmacy students' attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t -test, ANOVA, and Pearson's r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater "fear of debt" was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater "contemplation and knowledge about loans" was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher "contemplation and knowledge" scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed.

  10. 13 CFR 307.9 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

    ... operating the RLF must be consistent with Prudent Lending Practices. (b) Evaluation of RLF Plans. EDA will... management procedures, including loan processing, underwriting, closing, disbursements, collections...

  11. Consumer Loans in Cambodia: Implications on Banking Stability

    OpenAIRE

    Meng, Channarith

    2014-01-01

    This paper analyzes the fast development of consumer loans including housing loans in Cambodia to check whether or not such a development posts any stability risk to banking system in Cambodia. Using stress-testing method, the paper finds that current level of consumer loans provided by banks does yet creates a big threat to the banking stability in Cambodia. Rather, the surge reflects consequences of positive development in the banking system and economy as a whole, including the rise of mid...

  12. Associations Between Pharmacy Students’ Attitudes Toward Debt, Stress, and Student Loans

    Science.gov (United States)

    Spivey, Christina A.; Jaeger, Melanie C.; Williams, Jennifer

    2017-01-01

    Objective. To assess graduating pharmacy students’ attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t-test, ANOVA, and Pearson’s r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater “fear of debt” was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater “contemplation and knowledge about loans” was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher “contemplation and knowledge” scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed. PMID:29109558

  13. 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 ...

  14. 7 CFR 1962.2 - Policy.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) PERSONAL PROPERTY Servicing and Liquidation of Chattel Security § 1962.2 Policy. Chattel security, EO property and note only loans will be serviced to accomplish the loan objectives and...

  15. 38 CFR 36.4251 - Loans to finance the purchase of manufactured homes and the cost of necessary site preparation.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loans to finance the... Manufactured Home Lot Loans § 36.4251 Loans to finance the purchase of manufactured homes and the cost of necessary site preparation. (a) A loan to finance the purchase of a manufactured home may include funds (or...

  16. 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.

  17. Financial literacy and consumer loans

    OpenAIRE

    Lukešová, Martina

    2014-01-01

    The Bachelor's thesis deals with problems of financial literacy. The problem with financial literacy is an extensive topic, therefore the paper focuses only on consumer loans which belong to the most used products by citizens. The thesis gives basic information about companies, which offer consumer loans and warn against incorrect financial institutions and loan sharks. One of the chapters dedicates the indicator of advantages of consumer loans. It shows issues of indicator annual percentage ...

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

    Science.gov (United States)

    Klepfer, Kasey

    2015-01-01

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

  19. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

    ... purchases and then sells within the same calendar year (this information need not be included in quarterly... currently offered to consumers by a representative sample of creditors for mortgage loans that have low-risk... may but need not be collected for loans purchased by the financial institution. (c) Optional data. A...

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

    Science.gov (United States)

    Hsu, Chungwen; Fisher, Patti J.

    2016-01-01

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

  1. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

    ... importance of public engagement, proposed Sec. 1290.2(c) would require the Banks to include notices on their... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1290 RIN 2590-AA38 Federal Home Loan Bank Community... by requiring the Federal Home Loan Banks (Banks) to monitor and assess the eligibility of each Bank...

  2. SME loan defaults in Bangladesh

    International Development Research Centre (IDRC) Digital Library (Canada)

    ... disbursement targets, especially in rural areas, also contributes to loan default. Lack of awareness regarding various fees and charges for loan processing purposes deducted at the outset was also found to be a problem. Bank data shows that despite a large amount of excess liquidity, interest rates charged on loans have ...

  3. 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...

  4. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

  5. 38 CFR 36.4255 - Loans for the acquisition of a lot.

    Science.gov (United States)

    2010-07-01

    ... of a lot. 36.4255 Section 36.4255 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS..., Including Site Preparation Combination and Manufactured Home Lot Loans § 36.4255 Loans for the acquisition of a lot. (a) A loan to finance all or part of the cost of acquisition by the veteran of a lot on...

  6. 13 CFR 120.331 - What devices or techniques are eligible for a loan?

    Science.gov (United States)

    2010-01-01

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

  7. Entrepreurship and Credit Constraints - Evidence from a French Loan Guarantee Program

    OpenAIRE

    C. LELARGE; D. SRAER; D. THESMAR

    2008-01-01

    We use information on a French loan guarantee program in order to assess the consequences of credit constraints for new ventures. Loan Guarantee Programs, as implemented in France, are an effective instrument to help young firms grow faster, both in terms of employment and capital. These effects are quite persistent, since they are still significant four years after obtaining the guarantee. Loan guarantees also allow firms to pay cheaper interest rate, but a potential drawback of this policy ...

  8. 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

  9. 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.

  10. 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.

  11. Geothermal Loan Guaranty Program and its impact on geothermal exploration and development

    Energy Technology Data Exchange (ETDEWEB)

    Nasr, L.H.

    1978-05-01

    The study showed that the Geothermal Loan Guaranty Program has had only a negligible effect on geothermal development and the response to the program was far less than expected. The streamlining of environmental regulations and leasing policies, and the granting of intangible drilling cost write-offs and depletion allowances to operators would have had a greater impact on geothermal energy development. The loan guaranty program did not promote the undertaking of any new projects that would not have been undertaken without it. The program only accelerated the pace for some development which might have commenced in the future. Included in the study are recommendations for improving the operation of the program thereby increasing its attractiveness to potential applicants.

  12. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... to make a determination on the loan application. (e) The applicant need not submit any information... ordering a credit report on the applicant; (12) Verification of all debts; (13) Any additional information...-Doc OL request, the applicant must: (1) Be current on all payments to all creditors including the...

  13. 7 CFR 1951.877 - Loan agreements.

    Science.gov (United States)

    2010-01-01

    ... property being insured or the amount of the loan. Hazard insurance includes fire, windstorm, lightning..., builder's risk, public liability, property damage, flood or mudslide, or any other hazard insurance that... will be assigned to the FmHA or its successor agency under Public Law 103-354. (ii) Ordinarily, life...

  14. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

    ..., accounting and financial reporting, including a description of each fund account. (2) Operating budget. For... appropriating body, which contains an estimate of proposed expenditures, other than capital outlays for fixed assets for a stated period of time, and the proposed means of financing the expenditures. For loan...

  15. Financial stability and monetary policy -The case of Brazil

    Directory of Open Access Journals (Sweden)

    Benjamin M. Tabak

    2013-12-01

    Full Text Available This paper seeks to examine the effects of monetary policy over banks' loans growth and whether there is a bank lending channel operating in Brazil. Therefore, we employ a detailed high frequency panel data in which we include bank characteristics and ownership control. We contribute to the literature on bank lending channel by showing that during periods of loosening/tightening monetary policy, banks increase/decrease their loans. Additionally,our results illustrate that large, well-capitalized and liquid banks react differentially to the effects of monetary policy shocks. Finally, we show that the impact of monetary policy differs across state-owned, foreign and private domestic banks. These results are important for developing and conducting monetary policy.

  16. Digging Deeper: Making Sense of Student Loan Debt in Texas. Research Report

    Science.gov (United States)

    TG (Texas Guaranteed Student Loan Corporation), 2012

    2012-01-01

    Student loans are likely to remain a prominent instrument for paying for college in Texas, a necessary financial tool for low- and moderate-income students. As college costs rise and growing enrollments further stretch grant funds, the policy challenge is to assist students in determining the appropriate level of student loans for their individual…

  17. The role of information in the take-up of student loans

    NARCIS (Netherlands)

    Booij, A.; Leuven, E.; Oosterbeek, H.

    2008-01-01

    Policies need not only to be well designed to effectively address market failures, but their parameters also need to be part of agents' information sets. This is illustrated by government student loans in the Netherlands which are intended to alleviate liquidity constraints. Despite generous loan

  18. Widening Participation in Higher Education: A Social Justice Analysis of Student Loans in Tanzania

    Science.gov (United States)

    Msigwa, Faustina M.

    2016-01-01

    Financing of higher education (HE) through provision of student loans has become the most popular strategy globally for funding undergraduate degrees; hence, widening participation in HE depends crucially on socially just distribution of loans. Tanzanian financial assistance policy aims to support students from low-socio-economic status (SES)…

  19. 7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Other servicing actions on real estate type loan... Account Servicing Policies § 1951.16 Other servicing actions on real estate type loan accounts. (a... smaller, respectively, than the sum of such installments on the note and other charges. (c) Real estate...

  20. Managing misaligned paternity findings in research including sickle cell disease screening in Kenya: 'consulting communities' to inform policy.

    Science.gov (United States)

    Marsh, Vicki; Kombe, Francis; Fitzpatrick, Ray; Molyneux, Sassy; Parker, Michael

    2013-11-01

    The management of misaligned paternity findings raises important controversy worldwide. It has mainly, however, been discussed in the context of high-income countries. Genetic and genomics research, with the potential to show misaligned paternity, are becoming increasingly common in Africa. During a genomics study in Kenya, a dilemma arose over testing and sharing information on paternal sickle cell disease status. This dilemma may be paradigmatic of challenges in sharing misaligned paternity findings in many research and health care settings. Using a deliberative approach to community consultation to inform research practice, we explored residents' views on paternal testing and sharing misaligned paternity information. Between December 2009 and November 2010, 63 residents in Kilifi County were engaged in informed deliberative small group discussions, structured to support normative reflection within the groups, with purposive selection to explore diversity. Analysis was based on a modified framework analysis approach, drawing on relevant social science and bioethics literature. The methods generated in-depth individual and group reflection on morally important issues and uncovered wide diversity in views and values. Fundamental and conflicting values emerged around the importance of family interests and openness, underpinned by disagreement on the moral implications of marital infidelity and withholding truth. Wider consideration of ethical issues emerging in these debates supports locally-held reasoning that paternal sickle cell testing should not be undertaken in this context, in contrast to views that testing should be done with or without the disclosure of misaligned paternity information. The findings highlight the importance of facilitating wider testing of family members of affected children, contingent on the development and implementation of national policies for the management of this inherited disorder. Their richness also illustrates the potential for

  1. The potential of transnational language policy to promote social inclusion of immigrants: An analysis and evaluation of the European Union's INCLUDE project

    Science.gov (United States)

    Bian, Cui

    2017-08-01

    Language issues and social inclusion consistently remain two major concerns for member countries of the European Union (EU). Despite an increasing awareness of the importance of language learning in migrants' social inclusion, and the promotion of language policies at European and national levels, there is still a lack of common actions at the European level. Challenged by questions as to whether language learning should be prioritised as a human right or as human capital building, how host/mainstream language learning can be reinforced while respecting language diversity, and other problems, member countries still need to find solutions. Confronting these dilemmas, this study analyses the relationship and interactions between language learning and immigrants' social inclusion in different contexts. It explores the potential of enhancing the effectiveness of language policies via a dialogue between policies and practices in different national contexts and research studies in the field of language and social inclusion. The research data are derived from two databases created by a European policy for active social inclusion project called INCLUDE. This project ran from 2013 to 2016 under the EU's lifelong learning programme, with funding support from the European Commission. Through an analysis of these two project databases, the paper reviews recent national language policies and their effect on the social inclusion of migrants. In the second part of her article, the author interprets the process of language learning and social inclusion using poststructuralist theories of language and identity.

  2. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

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

  3. 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...

  4. 76 FR 71934 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2011-11-21

    ... family farmers to purchase real estate and equipment and finance agricultural production. Direct Loan..., include the date, volume, and page number of this issue of the Federal Register, the OMB control number...

  5. 7 CFR 3550.52 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 502 funds may be used to buy, build, rehabilitate, improve, or relocate an eligible dwelling and... added to the loan amount in excess of the area loan limit and appraised value of the house. (e) Loan...

  6. SBA Disaster Loan Data FY2008

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2008 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  7. SBA Disaster Loan Data FY2011

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2011 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  8. SBA Disaster Loan Data FY2004

    Data.gov (United States)

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

  9. SBA Disaster Loan Data FY2007

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2007 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  10. SBA Disaster Loan Data FY2006

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2006 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  11. SBA Disaster Loan Data FY2012

    Data.gov (United States)

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

  12. SBA Disaster Loan Data FY2005

    Data.gov (United States)

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

  13. 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...

  14. Interbank loans, collateral and modern monetary policy

    NARCIS (Netherlands)

    Wolskia, M.; van de Leur, M.C.W.

    2016-01-01

    This study develops a novel agent-based model of the interbank market with endogenous credit risk formation mechanisms. We allow banks to exchange funds through unsecured and secured transactions, which facilitates the flow of funds to the most profitable investment projects. Risk premiums result

  15. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... appropriate command to act as the DOD point of contact with the Housing and Urban Development (HUD) Federal... United Kingdom, Canada, and Australia (Standardization Program) 10 U.S.C. 2667; AR 34-1 CG DARCOM (those... DCSRDA, HQDA, for approval) Equipment. 15. Aid to District of Columbia Government in Combating Crime 2...

  16. Strategies to Test for Private Student Loan Discrimination

    Science.gov (United States)

    Darolia, Rajeev

    2014-01-01

    Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

  17. Borrowing and Repaying Student Loans

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

    This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…

  18. 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.

  19. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ...) Reasonable living expenses, as defined in this part and as determined by the Secretary. (b) Non-eligible... accredited veterinary medical school; (5) Loans or portions of loans obtained for educational or living... loans, scholarships, loan repayments, or other awards in exchange for a future service obligation; (7...

  20. 7 CFR 1421.111 - Loan settlement.

    Science.gov (United States)

    2010-01-01

    ..., settlement will be made by CCC on the basis of the basic marketing assistance loan rate that is in effect for... other than an authorized warehouse, settlement shall be made by CCC on the basis of the basic marketing...-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance Loans...

  1. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... loan applicants tend to pose a higher economic risk of loss than those operations financed by commercial creditors. Information collections established in the regulations are necessary for FSA to...

  2. How hard can it be to include research evidence and evaluation in local health policy implementation? Results from a mixed methods study

    Directory of Open Access Journals (Sweden)

    Evans Bridie Angela

    2013-02-01

    Full Text Available Abstract Background Although an evidence-based approach is the ideal model for planning and delivering healthcare, barriers exist to using research evidence to implement and evaluate service change. This paper aims to inform policy implementation and evaluation by understanding the role of research evidence at the local level through implementation of a national chronic conditions management policy. Methods We conducted a national email survey of health service commissioners at the most devolved level of decision-making in Wales (Local Health Boards – LHBs followed by in-depth interviews with representatives of LHBs, purposively selecting five to reflect geographic and economic characteristics. Survey data were analysed descriptively; we used thematic analysis for interview data. Results All LHBs (n = 22 completed questionnaires. All reported they routinely assessed the research literature before implementing interventions, but free-text answers revealed wide variation in approach. Most commonly reported information sources included personal contacts, needs assessments, information or research databases. No consistent approach to evaluation was reported. Frequently reported challenges were: insufficient staff capacity (17/22; limited skills, cost, limited time, competing priorities (16/22; availability and quality of routine data (15/22. Respondents reported they would value central guidance on evaluation. Five interviews were held with managers from the five LHBs contacted. Service delivery decisions were informed by Welsh Government initiatives and priorities, budgets, perceived good practice, personal knowledge, and local needs, but did not include formal research evidence, they reported. Decision making was a collaborative process including clinical staff, patient representatives, and partner organization managers with varying levels of research experience. Robust evaluation data were required, but they were constrained by a lack of skills

  3. How Are Gender Equality and Human Rights Interventions Included in Sexual and Reproductive Health Programmes and Policies: A Systematic Review of Existing Research Foci and Gaps.

    Science.gov (United States)

    Hartmann, Miriam; Khosla, Rajat; Krishnan, Suneeta; George, Asha; Gruskin, Sofia; Amin, Avni

    2016-01-01

    The importance of promoting gender equality and human rights in sexual and reproductive health (SRH) programmes and policies has been affirmed in numerous international and regional agreements, most recently the 2030 Agenda for Sustainable Development. Given the critical role of research to determine what works, we aimed to identify research gaps as part of a broader priority setting exercise on integrating gender equality and human rights approaches in SRH programmes and policies. A systematic literature review of reviews was conducted to examine the question: what do we know about how research in the context of SRH programmes and policies has addressed gender equality and human rights and what are the current gaps in research. We searched three databases for reviews that addressed the research question, were published between 1994-2014, and met methodological standards for systematic reviews, qualitative meta-syntheses and other reviews of relevance to the research question. Additional grey literature was identified based on expert input. Articles were appraised by the primary author and examined by an expert panel. An abstraction and thematic analysis process was used to synthesize findings. Of the 3,073 abstracts identified, 56 articles were reviewed in full and 23 were included along with 10 from the grey literature. The majority focused on interventions addressing gender inequalities; very few reviews explicitly included human rights based interventions. Across both topics, weak study designs and use of intermediate outcome measures limited evidence quality. Further, there was limited evidence on interventions that addressed marginalized groups. Better quality studies, longer-term indicators, and measurement of unintended consequences are needed to better understand the impact of these types of interventions on SRH outcomes. Further efforts are needed to cover research on gender equality and human rights issues as they pertain to a broader set of SRH topics

  4. How Are Gender Equality and Human Rights Interventions Included in Sexual and Reproductive Health Programmes and Policies: A Systematic Review of Existing Research Foci and Gaps.

    Directory of Open Access Journals (Sweden)

    Miriam Hartmann

    Full Text Available The importance of promoting gender equality and human rights in sexual and reproductive health (SRH programmes and policies has been affirmed in numerous international and regional agreements, most recently the 2030 Agenda for Sustainable Development. Given the critical role of research to determine what works, we aimed to identify research gaps as part of a broader priority setting exercise on integrating gender equality and human rights approaches in SRH programmes and policies. A systematic literature review of reviews was conducted to examine the question: what do we know about how research in the context of SRH programmes and policies has addressed gender equality and human rights and what are the current gaps in research. We searched three databases for reviews that addressed the research question, were published between 1994-2014, and met methodological standards for systematic reviews, qualitative meta-syntheses and other reviews of relevance to the research question. Additional grey literature was identified based on expert input. Articles were appraised by the primary author and examined by an expert panel. An abstraction and thematic analysis process was used to synthesize findings. Of the 3,073 abstracts identified, 56 articles were reviewed in full and 23 were included along with 10 from the grey literature. The majority focused on interventions addressing gender inequalities; very few reviews explicitly included human rights based interventions. Across both topics, weak study designs and use of intermediate outcome measures limited evidence quality. Further, there was limited evidence on interventions that addressed marginalized groups. Better quality studies, longer-term indicators, and measurement of unintended consequences are needed to better understand the impact of these types of interventions on SRH outcomes. Further efforts are needed to cover research on gender equality and human rights issues as they pertain to a broader

  5. How Are Gender Equality and Human Rights Interventions Included in Sexual and Reproductive Health Programmes and Policies: A Systematic Review of Existing Research Foci and Gaps

    Science.gov (United States)

    Khosla, Rajat; Krishnan, Suneeta; George, Asha; Gruskin, Sofia; Amin, Avni

    2016-01-01

    The importance of promoting gender equality and human rights in sexual and reproductive health (SRH) programmes and policies has been affirmed in numerous international and regional agreements, most recently the 2030 Agenda for Sustainable Development. Given the critical role of research to determine what works, we aimed to identify research gaps as part of a broader priority setting exercise on integrating gender equality and human rights approaches in SRH programmes and policies. A systematic literature review of reviews was conducted to examine the question: what do we know about how research in the context of SRH programmes and policies has addressed gender equality and human rights and what are the current gaps in research. We searched three databases for reviews that addressed the research question, were published between 1994–2014, and met methodological standards for systematic reviews, qualitative meta-syntheses and other reviews of relevance to the research question. Additional grey literature was identified based on expert input. Articles were appraised by the primary author and examined by an expert panel. An abstraction and thematic analysis process was used to synthesize findings. Of the 3,073 abstracts identified, 56 articles were reviewed in full and 23 were included along with 10 from the grey literature. The majority focused on interventions addressing gender inequalities; very few reviews explicitly included human rights based interventions. Across both topics, weak study designs and use of intermediate outcome measures limited evidence quality. Further, there was limited evidence on interventions that addressed marginalized groups. Better quality studies, longer-term indicators, and measurement of unintended consequences are needed to better understand the impact of these types of interventions on SRH outcomes. Further efforts are needed to cover research on gender equality and human rights issues as they pertain to a broader set of SRH topics

  6. 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.

  7. Credit, usury and interest loans

    Directory of Open Access Journals (Sweden)

    Nicola Lorenzo Barile

    2010-06-01

    Full Text Available This review article provides a brief introduction to the issues of interest loans and usury in the Middle Ages as well as a systematic description of the bibliographic sources and electronic resources.

  8. Correlates of Success in World Bank Development Policy Lending

    OpenAIRE

    Moll, Peter; Geli, Patricia; Saavedra, Pablo

    2015-01-01

    This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

  9. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

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

  10. 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.

  11. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAXES General Actuarial Valuations § 1.7872-5T Exempted loans (temporary). (a) In general...: (A) The loan is a demand loan or is a term loan the benefits of the interest arrangements of which...

  12. 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...

  13. Do loans increase college access and choice?: examining the introduction of universal student loans

    OpenAIRE

    Bridget Terry Long

    2007-01-01

    The returns to college are substantial, including increased earnings and public benefits, such as better health and increased involvement in public service and giving. As a result, since the introduction of the Guaranteed Student Loan program in 1965 and the Pell Grant in 1972, the federal government has experimented with using financial aid to increase college access, choice, and affordability. ; Although years of research support the notion that financial aid can influence students' post-se...

  14. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

    ... conservation practices, techniques, or technologies. This notice announces that FSA is no longer accepting...; ] DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan Programs... Agency (FSA) is no longer accepting direct or guaranteed loan applications for the Conservation Loan (CL...

  15. 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

  16. 7 CFR 1421.102 - Adjustment of basic loan rates.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Adjustment of basic loan rates. 1421.102 Section 1421...-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance Loans § 1421.102 Adjustment of basic loan rates. (a) Basic loan rates are established under § 1421.9 and will...

  17. Loan and nonloan flows in the Australian interbank network

    Science.gov (United States)

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

    2012-05-01

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

  18. 12 CFR 614.4120 - Policies governing extensions of credit to direct lender associations and OFIs.

    Science.gov (United States)

    2010-01-01

    ... policies and procedures shall prescribe lending policies and loan underwriting standards that are consistent with sound financial and credit practices. The policies shall require a periodic review of the... policies and loan underwriting standards set forth in part 614, subpart D, and may permit lending to such...

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

    Directory of Open Access Journals (Sweden)

    N. Viswa Nadham

    2015-03-01

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

  20. 49 CFR 22.67 - Delinquent loans and loan defaults.

    Science.gov (United States)

    2010-10-01

    ... reimburse the Participating Lender on a pro rata basis in proportion to the loan guarantee percentage for... authorization will not be eligible for a pro rata basis reimbursement of the associated fees and costs. Net recoveries applicable to accrued interest must be applied on a pro rata basis in proportion to the formula...

  1. Exploration of an Optimal Policy for Water Resources Management Including the Introduction of Advanced Sewage Treatment Technologies in Zaozhuang City, China

    Directory of Open Access Journals (Sweden)

    Gengyu He

    2016-12-01

    Full Text Available Water shortage and water pollution are important factors restricting sustainable social and economic development. As a typical coal resource-exhausted city and a node city of the South-to-North Water Transfer East Route Project in China, Zaozhuang City’s water resources management faces multiple constraints such as transformation of economic development, restriction of groundwater exploitation, and improvement of water environment. In this paper, we develop a linear optimization model by input–output analysis to study water resources management with the introduction of three advanced sewage treatment technologies for pollutant treatment and reclaimed water production. The simulation results showed that from 2014 to 2020, Zaozhuang City will realize an annual GDP growth rate of 7.1% with an annual chemical oxygen demand (COD emissions reduction rate of 5.5%. The proportion of primary industry, secondary industry, and tertiary industry would be adjusted to 5.6%, 40.8%, and 53.6%, respectively. The amount of reclaimed water supply could be increased by 91% and groundwater supply could be decreased by 6%. Based on the simulation, this model proposes a scientific reference on water resources management policies, including water environment control, water supply plan, and financial subsidy, to realize the sustainable development of economy and water resources usage.

  2. 75 FR 13806 - Culturally Significant Objects Imported for Exhibition Determinations: “Loan From the Aura...

    Science.gov (United States)

    2010-03-23

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF STATE Culturally Significant Objects Imported for Exhibition Determinations: ``Loan From the Aura Collection of a... hereby determine that the object to be included in the exhibition ``Loan from the Aura Collection of a...

  3. A Predictive Model of Student Loan Default at a Two-Year Community College

    Science.gov (United States)

    Brown, Chanda Denea

    2015-01-01

    This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

  4. 29 CFR 2550.408b-3 - Loans to Employee Stock Ownership Plans.

    Science.gov (United States)

    2010-07-01

    ... standard loan amortization tables. The third rule is that subdivision (2) is not applicable from the time... $750,000 from a bank. X guarantees the loan which is for 15 years at 5% interest and is payable in..., including the terms of the employer's articles of incorporation, unless so required by applicable state law...

  5. 12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

    Science.gov (United States)

    2010-01-01

    ... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... method. Precomputed finance charges do not include loan fees, points, finder's fees, or similar charges...

  6. 7 CFR 3560.455 - Special servicing actions related to loan accounts.

    Science.gov (United States)

    2010-01-01

    ... reduction in monthly payment installments; and (ii) The Agency is satisfied that the security, including the.... (c) Loan writedowns. A loan writedown is a reduction of a borrower's debt approved by the Agency. (1... when the following conditions exist: (i) Sound management of the housing project is evident or sound...

  7. Time to Turn Attention to a Different Debt Limit: Downsize Federal Student Loan Programs

    Science.gov (United States)

    Parker, Thomas D.

    2011-01-01

    The author has spent much of his working life studying and promoting student loans. As a good liberal Democrat, he spent years arguing for the expansion of the old Federal Family Education Loan Program (FFELP) which had its roots in Lyndon Johnson's War on Poverty. His professional life included stints working for one of the nonprofit FFELP…

  8. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  9. 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…

  10. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

    ... and Conditions § 614.4233 International loans. Term loans made by banks for cooperatives and... conditions: (a) The loan shall be denominated in a currency to eliminate foreign exchange risk on repayment... borrower has had a longstanding successful business relationship with an eligible cooperative borrower or...

  11. 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.

  12. 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…

  13. 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...

  14. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender...

  15. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... lender's close attention. Failure to correct these deficiencies could result in greater credit risk in... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.469 Loan servicing. The lender is... any violations in the Lender's Loan Agreement. (See Paragraph X of Form FmHA or its successor agency...

  16. 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

  17. Emission and costs up to and including 2030 for the current environmental policy. Background information for the National Environmental Outlook 5

    International Nuclear Information System (INIS)

    Van Wee, G.P.; Kuijpers-Linde, M.A.J.; Van Gerwen, O.J.

    2001-03-01

    Every four years the Dutch National Institute of Public Health and the Environment (RIVM) publishes an Environmental Outlook in preparation for the National Environmental Policy Plan (NEPP). The fifth National Environmental Outlook (NEOS) describes developments in the quality of the environment in the Netherlands for 2000-2030 against a background of developments on the European and global scales. The two macro-economic scenarios of the Netherlands Bureau for Economic and Policy Analysis (CPB) used are the European Coordination (EC) scenario and the Global Competition scenario (GC). Consequences for public health, nature and the human physical environment are also indicated. 'Fixed policy' scenarios are used in the Environmental Outlook for the Netherlands. In 'fixed policy' scenarios it is assumed that all policy measures agreed on by the year 2000 will be implemented, but no new measures taken. In this way the Outlook offers baseline scenarios that can be compared with targets and objectives to facilitate the development of new policy. The Fifth National Environmental Outlook was realised with the assistance of many other Dutch research institutes. This background document to NEOS presents estimated levels of energy use, emissions and costs of environmental measures for the 1995-2020 period. The main conclusions are: The environmental problems most difficult to tackle are climate change and noise nuisance. These problems are highly related to energy use and transportation; The policy as presented in the 'Uitvoeringsnota Klimaatbeleid', a document describing the Dutch Kyoto-related climate policy, results in a reduction of greenhouse gases of 15 Mton CO2 equivalents (GS scenario) with respect to the pre-Kyoto policy in 2010. To meet the Kyoto agreements a further reduction of approximately 45 Mton CO2 equivalents is needed. If policies in the 'Uitvoeringsnota Klimaatbeleid' are further instrumentalised and made concrete, an extra reduction of 10 Mton is possible

  18. Loan Supply Shocks in Macedonia: A Bayesian SVAR Approach with Sign Restrictions

    Directory of Open Access Journals (Sweden)

    Rilind Kabashi

    2016-06-01

    Full Text Available This paper analyzes the effects of loan supply, as well as aggregate demand,aggregate supply and monetary policy shocks between 1998 and 2014 in Macedonia using a structural vector autoregression model with sign restrictions and Bayesian estimation. The main results indicate that loan supply shocks have no significant effect on loan volumes and lending rates, or on economic activity and prices. The effects of monetary policy on lending activity are fairly limited, although there is some evidence that it affects lending rates more than loan volumes. Monetary policy shocks have strong effects on inflation, while the central bank reacts strongly to adverse shocks hitting the economy. Baseline results are confirmed by several robustness checks. According to historical decomposition, the lending activity was supporting economic growth before and during the crisis, but its contribution became negative during the recovery and it was a drag on growth until the end of the period. Pre-crisis GDP growth is mostly explained by supportive monetary policy. However, the restrictive monetary policy during the crisis contributed to the fall of GDP, before becoming supportive again during the early stages of the recovery. Policy rates in recent years mostly reflect subdued lending activity and aggregate supply factors, which the central bank tries to counteract with a more accommodative policy.

  19. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

    Less-intense competition for deposits, by mitigating banks’ incentive to take excessive risks, is traditionally believed to lead to lower non-performing loan (NPL) ratios and more-stable banks. This paper revisits this proposition in a model with borrower moral hazard in which banks’ NPL ratios

  20. Trouble Ahead for Student Loans?

    Science.gov (United States)

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

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

  1. Student Loans for Higher Education

    Science.gov (United States)

    Simons, Charlene Wear

    2008-01-01

    Student loans are a rapidly growing $85 billion a year industry fueled by the substantial higher economic returns associated with a college education, increased demand from students and their parents, and grant and scholarship funds that have not kept pace with rising school tuition and fees. This report describes federally subsidized and…

  2. Family Planning Practices, Programmes and Policies in India Including Implants and Injectables with a Special Focus on Jharkhand, India: A Brief Review.

    Science.gov (United States)

    Samal, Janmejaya; Dehury, Ranjit Kumar

    2015-11-01

    The National Family Health Survey (NFHS)-3 clearly delineates that the usage of contraceptive practices has increased considerably but is more inclined toward terminal methods of contraception especially the female sterilization. The fact is also evident from various studies carried out from time to time in different Indian states. Given the context we carried out a short review to understand the family planning practices, programs and policies in India including implants and injectable contraceptives with a special focus on the state of Jharkhand. We found that among the reversible methods IUCD (intra uterine contraceptive devices), OC (oral contraceptive) pills and condoms are the most commonly used methods. In this review, in addition to national picture, we specially focused on the state of Jharkhand owing to its very gloomy picture of family planning practices as per NFHS -3 reports. The current usage of any methods of contraception in Jharkhand is only 35.7% out of which terminal methods especially female sterilization accounts to 23.4% and male sterilization being only 0.4%. Similar picture is also reflected in the conventional methods such as; IUCD-0.6%, oral pill -3.8% and condom-2.7%. Compared to the national figure the unmet need for family planning in Jharkhand is also relatively high for the conventional reversible methods than that of terminal methods which is 11.9 and 11.3 respectively. Injectable contraceptives are available only through private or social marketing channels, because of which their use is limited. The studies carried out in different Indian states show improvement in contraceptive prevalence but the same needs further improvement.

  3. 13 CFR 120.345 - Policy.

    Science.gov (United States)

    2010-01-01

    ... small businesses that are: (a) Engaged or preparing to engage in international trade; or (b) Adversely... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Policy. 120.345 Section 120.345 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans...

  4. 13 CFR 120.350 - Policy.

    Science.gov (United States)

    2010-01-01

    ... a qualified employee trust (“ESOP”) to: (a) Help finance the growth of its employer's small business... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Policy. 120.350 Section 120.350 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified...

  5. 7 CFR 1955.2 - Policy.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) PROPERTY MANAGEMENT Liquidation of Loans Secured by Real Estate and Acquisition of Real and Chattel Property § 1955.2 Policy. When it has been determined in accordance with applicable... sale of the property by the borrower (except for Multiple Family Housing (MFH) loans subject to...

  6. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... in 1-4 family real estate in an amount that does not exceed 80 percent of the appraised value of the... 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. FAKTOR-FAKTOR YANG MEMENGARUHI RATIO NON PERFORMING LOAN (NPL

    Directory of Open Access Journals (Sweden)

    Setiyaningsih Setiyaningsih

    2015-08-01

    Full Text Available This research has the aim to analyze the factors which give impact in ratio of NPL (Non Performing Loan in XYZ Bank Jakarta. NPL can be caused by the internal factors such as policies, human capitals, etc., and can be caused by external factors through macro-economic changes such as loan-outstanding, BI rate, and foreign exchange (Indonesia Rupiah to US Dollar. This research is a descriptive research with direct approach to the primary and secondary data. The analysis method was using the multiple linear regression method with data time series from June 2008 to June 2014. The multiple linear regression method was used to see the impacts of volume of loan-outstanding, BI rate, and foreign exchange to NPL ratio, and testing differences between level of NPL before and after the separation of RM (Relationship Manager and CA (Credit Analyst function in Bank XYZ Jakarta.  All of data processing steps in this research use software Eviews Version 6.0. The result of this research are Loan-outstanding or number of lending, foreign exchange and the dummy of RM and CA separation function have impact to NPL Ratio. The BI-rate change which was happened along the research gives no impact to NPL Ratio. The NPL Ratio is relatively better and it is not affected of the increasing of BI rate.  It is not only because of performing loans but also caused by the existing write-off portfolios. Keywords: NPL, loan-outstanding, BI rate, foreign exchange, the separation of RM, credit analystABSTRAKPenelitian ini memiliki tujuan menganalisis faktor-faktor yang mempengaruhi ratio NPL pada Bank XYZ Jakarta. NPL (Non Performing Loan dapat disebabkan oleh faktor internal seperti kebijakan, SDM, dan lainnya ataupun faktor eksternal melalui perubahan faktor makroekonomi, seperti variabel loans outstanding, BI Rate, dan nilai tukar Rupiah terhadap Dollar. Jenis penelitian ini termasuk penelitian deskriptif dengan pengamatan langsung terhadap data sekunder dan data primer

  8. 38 CFR 36.4223 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Interest rate reduction..., Including Site Preparation General Provisions § 36.4223 Interest rate reduction refinancing loan. (a) A... being refinanced. (b) Notwithstanding any other regulatory provision, the interest rate reduction...

  9. 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...

  10. 75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

    Science.gov (United States)

    2010-04-19

    ... following: Loans for tuition expenses; other reasonable educational expenses, including fees, books, and... public practice shortages and at least 90 percent of funds will be awarded to private practice food... percentages of full-time equivalent commitment, commensurate with a variety of different public and private...

  11. 75 FR 51623 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2010-08-23

    ... public, including: (i) Acting as a real estate agent or real estate broker for a buyer, seller, lessor... which a person engaged in the activity is required to be registered or licensed as a real estate agent... mortgage loan originator; (2) performs only real estate brokerage activities (as defined in section 1503(3...

  12. 78 FR 67465 - Loan Guaranty: Maximum Allowable Attorney Fees

    Science.gov (United States)

    2013-11-12

    ... connection with the termination of single-family housing loans, including foreclosure, deed-in-lieu of foreclosure, and bankruptcy- related services, issued by the Department of Housing and Urban Development (HUD... Jersey N/A 2425 350 New Mexico N/A 1500 350 New York--Western Counties \\3\\ N/A 2000 350 New York--Eastern...

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

    Science.gov (United States)

    2012-02-22

    ... Repayment Program for Research with Respect to Acquired Immune Deficiency Syndrome (or AIDS Research LRP... three Intramural LRPs include the AIDS Research LRP, General Research LRP, and Clinical Research LRP for... Immune Deficiency Syndrome (or AIDS Research LRP); (2) Loan Repayment Program for General Research (or...

  14. 26 CFR 1.993-4 - Definition of producer's loans.

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAXES Domestic International Sales Corporations § 1.993-4 Definition of producer's loans..., the gross receipts from the sale or lease of which were includible in the numerator of the fraction described in paragraph (b)(3)(i) of this section at the time of sale or lease by the borrower, is later...

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

    African Journals Online (AJOL)

    These include an increase in non-performing loans (NPLs), increased regulatory intervention and economic slowdown. The regulator, perceiving that banks were overcharging the banking public, has been intervening through pricing guidelines on the market, reducing bank charges and interest rates and influencing the ...

  16. The Potential of Transnational Language Policy to Promote Social Inclusion of Immigrants: An Analysis and Evaluation of the European Union's INCLUDE Project

    Science.gov (United States)

    Bian, Cui

    2017-01-01

    Language issues and social inclusion consistently remain two major concerns for member countries of the European Union (EU). Despite an increasing awareness of the importance of language learning in migrants' social inclusion, and the promotion of language policies at European and national levels, there is still a lack of common actions at the…

  17. The economics of including carbon sinks in climate change policy. Evaluating the carbon supply-curve through afforestation in Latin America

    NARCIS (Netherlands)

    Benìtez-Ponce, P.C.

    2003-01-01

    After the inclusion of carbon sinks in the Kyoto Protocol, greenhouse gas mitigation policies should account for abatement measurements in both the energy and forestry sectors. This report deals with the development of a methodology for estimating cost-curves of carbon sequestration with

  18. 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...

  19. 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...

  20. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Cotton loan deficiency payments. 1427.23 Section 1427..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan Deficiency Payments § 1427.23 Cotton loan deficiency payments. (a) In order to be eligible to receive such...

  1. 7 CFR 1427.174 - Maturity of seed cotton loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.174 Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...

  2. 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

  3. 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...

  4. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

    ...) INCOME TAXES General Actuarial Valuations § 1.7872-15 Split-dollar loans. (a) General rules—(1... split-dollar loan depend upon the relationship between the parties and upon whether the loan is a demand...-dollar demand loan is any split-dollar loan that is payable in full at any time on the demand of the...

  5. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan must...

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

    Science.gov (United States)

    2010-10-01

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

  7. Student Loans Reform in China: Problems and Challenges

    Science.gov (United States)

    Wei, Jianguo; Wang, Rong

    2009-01-01

    Student loans schemes have developed rapidly alongside China's move towards mass higher education. In this paper, the main features of the existing four types of student loan schemes are compared. In particular, the providers of principal loan, borrower eligibility, loan size, loan origination, interest subsidy, risk-sharing, repayment conditions…

  8. 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...

  9. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

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

  10. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... may defer making a scheduled installment repayment on a Federal Perkins loan, an NDSL, or a Defense loan, regardless of contrary provisions of the borrower's promissory note and regardless of the date... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs...

  11. 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…

  12. 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...

  13. A Descriptive Longitudinal Study of Changes in Vape Shop Characteristics and Store Policies in Anticipation of the 2016 FDA Regulations of Tobacco Products, Including E-Cigarettes.

    Science.gov (United States)

    Yu, Sheila; Escobedo, Patricia; Garcia, Robert; Cruz, Tess Boley; Unger, Jennifer B; Baezconde-Garbanati, Lourdes; Meza, Leah; Sussman, Steve

    2018-02-11

    After proposing the "Deeming Rule" in 2014, the U.S. Food and Drug Administration (FDA) began regulating the manufacturing, marketing, and sales of electronic cigarette (e-cigarette) products as tobacco products in 2016. The current study conducted vape shop store observations and surveyed Los Angeles-area shop employees (assessing their beliefs, awareness, and perceptions of e-cigarettes and related FDA regulations) at two time points one year apart to better understand what vape shop retailers would do given FDA's soon-to-be-enacted Deeming Rule. The study also compared retailer beliefs/awareness/actions and store characteristics immediately after the Deeming Rule proposal versus a year after the Rule had been proposed, right before its enactment. Two data collection waves occurred before the Deeming Rule enactment, with Year 1 surveying 77 shops (2014) and Year 2 surveying 61 shops (2015-2016). Between the data collection points, 16 shops had closed. Among the shops that were open at both time points, the majority (95% in Year 1; 74% in Year 2) were aware of some FDA regulations or other policies applying to vape shops. However, overall awareness of FDA regulations and state/local policies governing e-cigarettes significantly decreased from Year 1 to Year 2. At both time points, all shops offered customers free puffs of nicotine-containing e-liquids (prohibited by the then upcoming Deeming Rule). Perceptions of e-cigarette safety also significantly decreased between the years. Exploring vape shop retailer perceptions and store policies (i.e., free puffs/samples displays, perceptions of e-cigarette safety, etc.) over time will help the FDA assess the needs of the vape shop community and develop more effective retailer education campaigns and materials targeted to increase compliance with the newly enacted regulations.

  14. A Descriptive Longitudinal Study of Changes in Vape Shop Characteristics and Store Policies in Anticipation of the 2016 FDA Regulations of Tobacco Products, Including E-Cigarettes

    Directory of Open Access Journals (Sweden)

    Sheila Yu

    2018-02-01

    Full Text Available After proposing the “Deeming Rule” in 2014, the U.S. Food and Drug Administration (FDA began regulating the manufacturing, marketing, and sales of electronic cigarette (e-cigarette products as tobacco products in 2016. The current study conducted vape shop store observations and surveyed Los Angeles–area shop employees (assessing their beliefs, awareness, and perceptions of e-cigarettes and related FDA regulations at two time points one year apart to better understand what vape shop retailers would do given FDA’s soon-to-be-enacted Deeming Rule. The study also compared retailer beliefs/awareness/actions and store characteristics immediately after the Deeming Rule proposal versus a year after the Rule had been proposed, right before its enactment. Two data collection waves occurred before the Deeming Rule enactment, with Year 1 surveying 77 shops (2014 and Year 2 surveying 61 shops (2015–2016. Between the data collection points, 16 shops had closed. Among the shops that were open at both time points, the majority (95% in Year 1; 74% in Year 2 were aware of some FDA regulations or other policies applying to vape shops. However, overall awareness of FDA regulations and state/local policies governing e-cigarettes significantly decreased from Year 1 to Year 2. At both time points, all shops offered customers free puffs of nicotine-containing e-liquids (prohibited by the then upcoming Deeming Rule. Perceptions of e-cigarette safety also significantly decreased between the years. Exploring vape shop retailer perceptions and store policies (i.e., free puffs/samples displays, perceptions of e-cigarette safety, etc. over time will help the FDA assess the needs of the vape shop community and develop more effective retailer education campaigns and materials targeted to increase compliance with the newly enacted regulations.

  15. 75 FR 69454 - Emergency Homeowners' Loan Program: Notice of Allocation of Funding for Substantially Similar...

    Science.gov (United States)

    2010-11-12

    ... program, including the type, tenure, and experience of such staff, and the number of bilingual staff... mortgagors approved to receive the benefit of a loan or advance insured, or mortgage relief payments on that...

  16. 5 CFR 1655.9 - Effect of loans on individual account.

    Science.gov (United States)

    2010-01-01

    ... contributions and attributable earnings, pro rata from each TSP Fund in which the account is invested and pro rata from tax-deferred and tax-exempt balances. (c) Loan payments, including both principal and...

  17. Real Estate Bubble Bursts and Government Policy during Crisis: Examples of Estonia, Ireland and Sweden

    Directory of Open Access Journals (Sweden)

    Urmas Varblane

    2013-01-01

    Full Text Available The objective of current article is to view previous experience with real estate crises and taking into account such experience find suitable policy reactions to overcome the current Estonian crisis as smoothly as possible. Beside overall theoretical guidelines for overcoming the crisis, examples of Sweden and Ireland are viewed. The policy issues suggested for Estonia include some changes in tax laws, avoiding expansionary fiscal policy, making lending stricter and borrower responsible to higher extent, cooperation of different authorities to tackle problem of bad loans, initiating wage and price cut, paying more attention to exporting sector

  18. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1510...

  19. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...

  20. 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...

  1. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...

  2. 77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

    Science.gov (United States)

    2012-05-15

    ... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for Special Direct Consolidation Loans SUMMARY: This Loan Verification Certificate... Manage Student Loan Debt.'' Loans made under this initiative are known as Special Direct Consolidation...

  3. Assessing bank competition for consumer loans

    NARCIS (Netherlands)

    Bolt, Wilko; Humphrey, David

    2015-01-01

    Based on frontier analysis, we derive inferences of bank consumer loan competition from estimating a revenue-cost 'competition efficiency' (CE) frontier. The competitiveness of the $400 billion U.S. bank consumer loan market is then assessed by comparing results from our frontier CE measure with

  4. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... payments and early recognition and solution of problems are keys to resolving many delinquent loan cases... cure the delinquency. The Lender should consider the borrower's financial condition in attempting to... concurrence. Reamortization shall not change the amount of the loan guarantee. (d) Lender reporting to RHS...

  5. Deeper in Debt: Women and Student Loans

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

    Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and the amount of student debt that students assume has increased along with the price of attending college. At this time about 44 million…

  6. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

    ... plan for the state, see 7 CFR part 1751, subpart B. (b)(1) Hardship loan funds shall not be used to... most points will be approved first, the second highest next, etc.) The following ranking methodology and loan approval conditions apply: (1) Ranking criteria.Borrowers will receive points based on each...

  7. 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.

  8. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

  9. 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...

  10. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

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

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  12. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ...,000 or less must, at least, consist of: (i) The application form; (ii) Loan narrative; (iii) Balance... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for... least: (1) An application form; (2) A loan narrative; and (3) Any other items agreed to during the...

  13. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

    ... the loan(s) payments for 24 consecutive months. (4) Be secured by collateral which is determined to be..., and are not considered to pose a credit risk to FmHA or its successor agency under Public Law 103-354... presently expose FmHA or its successor agency under Public Law 103-354 to a sufficient degree of risk to...

  14. 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...

  15. FINANCIAL BALANCE AND LOANS OF THE SHAREHOLDERS TO THE COMPANY

    Directory of Open Access Journals (Sweden)

    Rus Luminita

    2012-07-01

    Full Text Available The present analyses, based on a case study show the influence on the financial balance of the loans from shareholders , taking into account the accounting treatment of loans. We do not know that the Romanian economic literature to be treated that aspect. That is why we consider the study as being useful to managers, members, shareholders, and all business partners to form the economic decisions. The purpose of this financial analysis is to examine critically the accounting and financial information ofered by the companies to assess their performance and their financial position (Laurence Le Gallo. The financial position of firms is assessed based on the financial structure and financial balance. In a same time the financial balance is approached from a static perspective based on the: net situation, working capital, necessary of working capital, net treasury. The present analyses deals with financial balance in a static manner based on these four indicators listed. The sources of data for the analysis of financial balance are offered mainly in the financial statement. This document has been used data from a company that is engaged in the carriage of goods. Analysis was made over a period of five years. The present analysis showed that financial balance is influenced by the way that the shareholders loans to the company are treated by including them in long-term debt or short-term. Reprocessing of loans and their inclusion in long-term debt, changes the perspective on financial balance showing that on the long-term company has a stable balance. These aspects require preparation of loan agreements with associates as loans work in reality. The contracts must to highlight the progress of the loan on the long term and not to be extended or remodeled the short-term contracts. Of course, there are always solutions to improve the financial balance and in this way the financial position and the performance of the company. However, the proposed solutions

  16. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... of dependent undergraduate students and Federal Consolidation Loans and Direct Consolidation Loans... results in the borrower not being eligible to receive unemployment benefits under applicable State law...

  17. 75 FR 54900 - Notice of HUD-Held Multifamily and Healthcare Loan Sale (MHLS 2010-2)

    Science.gov (United States)

    2010-09-09

    ...(s), without FHA insurance, limited to not-for-profit organizations and units of State and Local...-managing member (which may include a tax credit investor) to qualify to bid on a Mortgage Loan(s) in which Purchaser has made a financial investment; (3) paragraph K was revised to allow Purchaser the option to...

  18. The European Struggle to Educate and Include Roma People: A Critique of Differences in Policy and Practice in Western and Eastern EU Countries

    Directory of Open Access Journals (Sweden)

    Christine O'Hanlon

    2016-02-01

    Full Text Available Multiculturalism is an established feature of the UK and other European States since the establishment of the Treaty of Rome in 1959. Enlargement has brought EU membership from six (1952 to twenty eight members since its foundation, and allowed free migration across its borders. However, many countries, in spite of agreements to adhere to ‘democratic’ practices, deny minority citizens their full rights, particularly in education contexts. Some recent accession EU States have education systems that are less adaptive to expected policy responsibilities. It is a more unstable aspect of Eastern Europe because of the failure of many of these countries to reduce social and educational inequalities and to establish rights for minority groups, particularly the Roma. An educational focus is used as a platform to highlight issues re the segregation, and discrimination against, Roma children in Europe, typically through the use of special education, which is not suitable for them. Europe generally, both East and West has failed to fully integrate the Roma. Often, institutional blame is placed on Roma communities, rather than situate them socially and economically due to ingrained structural inequalities. Stereotyped categories are often used to ‘label’ them. Countries with high Roma populations, four in Western and five in Eastern Europe are evaluated and compared in relation to the education of Roma children.

  19. The British research evidence for recovery, papers published between 2006 and 2009 (inclusive). Part two: a review of the grey literature including book chapters and policy documents.

    Science.gov (United States)

    Stickley, T; Wright, N

    2011-05-01

    This paper is the second in a series of two which reviews the current UK evidence base for recovery in mental health. As outlined in the previous paper, over the last 4 years a vast amount has written about recovery in mental health (approximately 60% of all articles). Whereas the first review focused on the peer-reviewed evidence; this paper specifically focuses on the grey/non-peer-reviewed literature. In total, our search strategy yielded the following: 3 books, a further 11 book chapters, 12 papers, 6 policy documents and 3 publications from voluntary sector organizations. Each group of publications was analysed for content, and they are discursively presented by publication group. The findings are then presented as themes in the discussion section. The themes are: social, historical and political critique; philosophy of hope for the individual; individual identity and narrative; models and guidance for mental health practice. We conclude that there is a need for both empirical research into recovery and a clearer theoretical exposition of the concept. © 2010 Blackwell Publishing.

  20. Possibilities for change toward universal design: Japanese housing policy for seniors at the crossroads.

    Science.gov (United States)

    Kose, S

    1996-01-01

    Japanese government policies for seniors have long assumed that informal care by their families exists for them. The rapid aging of Japan is eroding the basis for this assumption. It is now necessary to include barrier-free design concepts in the basic requirements for dwellings to be used by everyone, not just seniors, to support independent living. Essential requirements in proposed guidelines are already in effect in the design and construction of publicly operated rental housing. But at this time, only the schemes of the Housing Loan Corporation of Japan for additional loans are being used, in cases where some design requirements for senior users are being met. The Housing Loan Corporation's loan system has long been seen as a policy on the part of government to boost the economy, particularly during recessions, but assistance for construction of higher quality dwellings has been lacking. This article discusses the basic philosophy of design guidelines and practical ideas to be considered in dwelling design and the merit of model dwellings constructed by housing manufacturers in Japan. It also discusses potential strategies to implement the basic ideas of design guidelines. It then proposes some possible methods to realize life-span dwellings, or dwellings designed for everybody.

  1. 7 CFR 766.355 - Acceleration of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Acceleration of loans. 766.355 Section 766.355... AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Liquidation § 766.355 Acceleration of loans... imposes separate restrictions on accelerations; (ii) The borrower is American Indian, whose real estate is...

  2. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ..., District and County employees, provided there has not been a recent training meeting in that State. (b... County personnel properly trained in the current methods of processing EM loan applications and EM loan... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...

  3. 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…

  4. 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...

  5. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds established...

  6. 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…

  7. 42 CFR 60.51 - The student loan application.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do the...

  8. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

    ... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC90 Single Family Housing Guaranteed Loan Program... Housing Guaranteed Loan Program (SFHGLP) (also referred to as ``Agency'') by requiring an annual fee for... to exceed 0.5 percent of the outstanding principal balance of the loan for the life of the loan. The...

  9. 42 CFR 57.305 - Nursing student loan funds.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  10. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

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

  11. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

    ... lender may use for the new loan. (d) Consolidation loan application. Generally, to obtain a Consolidation loan, a borrower completes an application and submits it to a lender participating in the Consolidation..., a borrower is not required to make any principal payments on a Stafford loan during the time the...

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

    OpenAIRE

    D. Andrew Austin

    2010-01-01

    The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous subsidies, a simple model of the student loan market suggests that small changes in subsidy levels should not affect loan supply. Empirical results based on...

  13. Increasing electric vehicle policy efficiency and effectiveness by reducing mainstream market bias

    International Nuclear Information System (INIS)

    Green, Erin H.; Skerlos, Steven J.; Winebrake, James J.

    2014-01-01

    Plug-in electric vehicles (PEVs) provide an opportunity for reducing energy use and emissions in the transportation sector. Currently, a number of federal policies are in place to incentivize deployment of PEVs to mainstream consumers with demographics and vehicle attribute preferences most common to today's new vehicle purchasers. This article argues that policies intending to give PEVs a foothold in the market should not focus on mainstream consumers and should instead focus on niche markets—specifically carsharing and postal fleets—and early adopters including green consumers. Two arguments can be made in support of eliminating the mainstream market bias of current policies toward a policy of cultivating niche markets. The first is efficiency: so far PEV policies featuring a mainstream market bias have proven to be inefficient and costly. The second is effectiveness: it is becoming increasingly evident that PEV policies would be more effective in achieving potential societal benefits if they focused on early adopters and niche markets using such approaches as strategic niche management, accessible loans and financing, and appropriately targeted incentives. PEV policies focused on early adopters and niche markets would create complementary system effects that will lead to increased PEV market penetration and realization of intended societal benefits. - Highlights: • We argue that U.S. electric vehicle policies are inefficient and ineffective. • We introduce “mainstream consumer bias” as an explanation for policy deficiencies. • We propose an alternative policy agenda to address some of these policy problems. • Proposed policy options include strategic niche management, targeted R and D and incentives, and loans

  14. Uganda; Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on the following topics: Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, and Payment Systems

    OpenAIRE

    International Monetary Fund

    2003-01-01

    This paper presents findings of Uganda’s Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, Insurance Regulation, Corporate Governance, and Payment Systems. The banking system in Uganda, which dominates the financial system, is fundamentally sound, more resilient than in the past, and currently poses no threat to macroeconomic stability. A major disruption ...

  15. 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

  16. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

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

  17. National Asset Management Agency Management of Loans

    OpenAIRE

    Buckley, John

    2012-01-01

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

  18. 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.

  19. 77 FR 15116 - Notice of Proposed Information Collection: Comment Request; FHA-Insured Mortgage Loan Servicing...

    Science.gov (United States)

    2012-03-14

    ... Processing, Escrow Administration, Customer Service, Servicing Fees and 235 Loans AGENCY: Office of the... Proposal: FHA-Insured Mortgage Loan Servicing for Performing Loans; MIP Processing, Escrow Administration...

  20. Southeast Regional Clean Energy Policy Analysis

    Energy Technology Data Exchange (ETDEWEB)

    McLaren, Joyce [National Renewable Energy Lab. (NREL), Golden, CO (United States)

    2011-04-01

    More than half of the electricity produced in the southeastern states is fuelled by coal. Although the region produces some coal, most of the states depend heavily on coal imports. Many of the region's aging coal power facilities are planned for retirement within the next 20 years. However, estimates indicate that a 20% increase in capacity is needed over that time to meet the rapidly growing demand. The most common incentives for energy efficiency in the Southeast are loans and rebates; however, total public spending on energy efficiency is limited. The most common state-level policies to support renewable energy development are personal and corporate tax incentives and loans. The region produced 1.8% of the electricity from renewable resources other than conventional hydroelectricity in 2009, half of the national average. There is significant potential for development of a biomass market in the region, as well as use of local wind, solar, methane-to-energy, small hydro, and combined heat and power resources. Options are offered for expanding and strengthening state-level policies such as decoupling, integrated resource planning, building codes, net metering, and interconnection standards to support further clean energy development. Benefits would include energy security, job creation, insurance against price fluctuations, increased value of marginal lands, and local and global environmental paybacks.

  1. Southeast Regional Clean Energy Policy Analysis (Revised)

    Energy Technology Data Exchange (ETDEWEB)

    McLaren, J.

    2011-04-01

    More than half of the electricity produced in the southeastern states is fuelled by coal. Although the region produces some coal, most of the states depend heavily on coal imports. Many of the region's aging coal power facilities are planned for retirement within the next 20 years. However, estimates indicate that a 20% increase in capacity is needed over that time to meet the rapidly growing demand. The most common incentives for energy efficiency in the Southeast are loans and rebates; however, total public spending on energy efficiency is limited. The most common state-level policies to support renewable energy development are personal and corporate tax incentives and loans. The region produced 1.8% of the electricity from renewable resources other than conventional hydroelectricity in 2009, half of the national average. There is significant potential for development of a biomass market in the region, as well as use of local wind, solar, methane-to-energy, small hydro, and combined heat and power resources. Options are offered for expanding and strengthening state-level policies such as decoupling, integrated resource planning, building codes, net metering, and interconnection standards to support further clean energy development. Benefits would include energy security, job creation, insurance against price fluctuations, increased value of marginal lands, and local and global environmental paybacks.

  2. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... lending and, when they fail, farmers and ranchers and cooperatives can be left seeking new lenders to meet..., and others have asked whether System institutions, directly or in partnership with other market..., to eligible cooperative associations. See 12 U.S.C. 2001 et seq. When a bank fails and the FDIC is...

  3. 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…

  4. 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…

  5. 78 FR 8353 - Rural Broadband Access Loans and Loan Guarantees

    Science.gov (United States)

    2013-02-06

    ... characteristics, suggesting that policy, economic, and social factors can overcome common barriers to broadband... persistent poverty counties, traditionally the most costly to serve areas. As noted in the ERS study, rural... Executive Order 12988, Civil Justice Reform. The Agency has determined that this rule meets the applicable...

  6. DIVIDEND POLICY IN SAUDI ARABIA

    OpenAIRE

    Dialdin Osman; Elsaudi Mohammed

    2010-01-01

    We examine dividend policy in a unique environment in Saudi Arabia, where (1) firms distribute almost 100% of their profits in dividends, (2) firms are highly levered mainly through bank loans, and (3) there are no income or capital gains taxes. Some common factors that affect dividend policy of both financial and non-financial firms, we found some factors that affect only non-financial firms. In particular, the common factors are profitability, size, and business risk. Government ownership, ...

  7. 26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

    Science.gov (United States)

    2010-04-01

    .... (5) Residential real property loan. (6) Church loan. (7) Urban renewal loan. (8) Institutional loan...) In general. The term “property used in the association's business” means land, buildings, furniture...

  8. 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.

  9. 78 FR 61002 - Loan Guaranty: Assistance to Eligible Individuals in Acquiring Specially Adapted Housing; Cost-of...

    Science.gov (United States)

    2013-10-02

    ... year (FY) 2014. FOR FURTHER INFORMATION CONTACT: John Bell, III Assistant Director for Loan Policy and... index. The Secretary uses the Turner Building Cost Index for this purpose. In the most recent quarter for which the Turner Building Cost Index is available, Quarter 2 FY 2013, the index showed an increase...

  10. Decreasing Your Student Loan Cohort Default Rate: Leading a College-Wide Change Initiative at Mohave Community College

    Science.gov (United States)

    Charles, Kayla D.; Sheaff, Shannon; Woods, Jann; Downey, Lisa

    2016-01-01

    Burgeoning student debt and the ability of programs to adequately prepare students for jobs that will allow them to repay that debt comprise a topic of great interest in the current higher education policy environment. A key accountability measure used by the Department of Education for more than two decades has been the student loan cohort…

  11. 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...

  12. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student... of all loans and interest canceled under this subpart for full-time employment as a nurse, death, or...

  13. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

    ... Access; Telecommunications Loan Program AGENCY: Rural Utilities Service, USDA. ACTION: Interim rule with... the Telecommunications Loan Program. DATES: This rule is effective on September 12, 2011. Comments... INFORMATION CONTACT: David Villano, Assistant Administrator, Telecommunications Program, USDA--Rural Utilities...

  14. 75 FR 23219 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2010-05-03

    ... Loan Programs provide loans to family farmers to purchase real estate and equipment and finance... information collection of this issue of the Federal Register. You may submit comments by any of the following...

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

    Data.gov (United States)

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

  16. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

    ... necessary to protect the interests of CCC on the basis of one or more of the following risk factors: (1... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis...

  17. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

    .... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender or Preferred Lender shall not make a defense economic assistance loan under the PLP or CLP programs...

  18. アメリカの大学の基本財産と奨学金 : プリンストン大学のNo-Loan Policyに着目して

    OpenAIRE

    長野, 公則

    2013-01-01

    There was a steady rise in American college and university endowments during the five year from 2002 to 2007. The cost of attendance for undergraduate students increased substantially in many colleges and universities during this period. High tuition and high student loans became common in many colleges and universities. / This study focuses on the No-loan policy at Princeton University. This study compares the policies of the three universities - Princeton, Yale, and Harvard - through an ana...

  19. ASSESSING THE IMPACT OF FINANCIAL POLICIES ON NIGERIA'S ...

    African Journals Online (AJOL)

    exist between some financial policy variables and economic growth in Nigeria. An Overview of Recent ... these financial measures on the growth of the national economy and suggest further policy measures for ... concluded that monetary policy can do little to ease a credit crunch that arises because of increasing loan risk.

  20. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

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

  1. 12 CFR 705.7 - Loans to participating credit unions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans to participating credit unions. 705.7 Section 705.7 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS COMMUNITY DEVELOPMENT REVOLVING LOAN PROGRAM FOR CREDIT UNIONS § 705.7 Loans to participating credit unions...

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

    Science.gov (United States)

    Austin, D. Andrew

    2010-01-01

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

  3. 7 CFR 1980.311 - Loan limitations and special provisions.

    Science.gov (United States)

    2010-01-01

    ... limited to 90 percent of the present market value. (c) Subdivisions. Housing units may be financed in... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan limitations and special provisions. 1980.311... Loan limitations and special provisions. (a) Prohibited loan purposes. Conditional commitments will not...

  4. 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

  5. 7 CFR 1900.6 - Chair, Loan Resolution Task Force.

    Science.gov (United States)

    2010-01-01

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

  6. 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...

  7. 13 CFR 120.884 - Ineligible costs for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Ineligible costs for 504 loans. 120.884 Section 120.884 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS... for 504 loans. Costs not directly attributable and necessary for the Project may not be paid with...

  8. 75 FR 23631 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2010-05-04

    ... on private-label MBS that were backed by subprime and nontraditional residential mortgage loans. To address certain issues associated with subprime and nontraditional loans, the Finance Board's Office of....g., subprime or Alt-A loans). \\5\\ This provision was in section II.B. of the FMP, and no longer...

  9. 7 CFR 1779.78 - Repurchase of loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Repurchase of loan. 1779.78 Section 1779.78 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.78 Repurchase of loan. (a...

  10. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Ineligible loan purposes. 1779.25 Section 1779.25 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.25 Ineligible loan purposes...

  11. 7 CFR 1779.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Terms of loan repayment. 1779.34 Section 1779.34 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.34 Terms of loan repayment...

  12. 7 CFR 1779.84 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Additional loans or advances. 1779.84 Section 1779.84 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.84 Additional loans or...

  13. 7 CFR 1779.30 - Loan guarantee limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan guarantee limitations. 1779.30 Section 1779.30 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.30 Loan guarantee...

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

    African Journals Online (AJOL)

    Poor farm households and other microentrepreneurs have difficulties in obtaining loans from banks and other financial institutions because they are unable to provide securities or collaterals for the loans. Collaterals on loans reduce uncertainty and moral hazard problems for creditors. They also serve as a measure of the ...

  15. 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...

  16. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Teacher cancellation-Defense loans. 674.55 Section 674... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.55 Teacher... schools under paragraph (b)(1) of this section based on a ranking by the State education agency. (ii) The...

  17. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Science.gov (United States)

    2010-07-01

    ... amount in excess of the student's estimated cost of attendance for the period of enrollment for which the loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's... Student Loan Programs § 682.506 Limitations on maximum loan amounts. (a) The Secretary does not guarantee...

  18. 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...

  19. Analysis of Default Risk of Agricultural Loan by Some Selected ...

    African Journals Online (AJOL)

    ... to reduce default rate and loan diversions since members can serve as watch dog to each other. Banks should also prevent unnecessary delay in loan disbursement to allow for timely use of the loan. Banks should also explore the Agricultural credit guarantee scheme (ACGS) to offset part of the risk in case of default.

  20. 24 CFR 203.50 - Eligibility of rehabilitation loans.

    Science.gov (United States)

    2010-04-01

    ... prescribed by the Secretary. (e) The loan transaction shall be an acceptable risk as determined by the... mortgagor or his creditors as provided in the rehabilitation loan agreement. (5) The loan shall bear interest at the rate prescribed in § 203.20 on the amount advanced to the mortgagor or its creditors, and...

  1. 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...

  2. Of religion and redemption : Evidence from default on Islamic loans

    NARCIS (Netherlands)

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

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

  3. The effects of payback and loan repayment programs on medical student career plans.

    Science.gov (United States)

    Miller, J B; Crittenden, R A

    2001-01-01

    Many states have considered implementing payback programs on state-subsidized medical education to increase the rate of graduates returning to those states to practice. An alternative is for states to offer and expand loan repayment programs to entice medical school graduates from rural states to return to their home states. The goal of this study is to determine and contrast the impact these two types of programs might have on medical school choice and students' intentions to return to their home states. Two hundred twenty-nine medical students were surveyed (response rate 80 percent). The questionnaire collected background information on the students and addressed the possible impact of payback and loan repayment policy proposals on student plans. Forty-seven percent of students reported that they would attend a different medical school if a required payback program were in place. Students who were more competitive at the time of admission to medical school were significantly more likely to say they would attend another medical school than were less competitive students. In contrast, 48 percent of students reported that they would be more likely to return to their home states if expanded loan repayment programs were available for service in areas of need. The findings suggest that payback programs may dissuade more competitive students from entering medical schools with such requirements, compromising the pool of students most likely to return to rural areas. Conversely, medical students appear willing to consider loan repayment programs upon completion of their training.

  4. APPLICATION OF LOANS AND THEIR IMPACT ON ECONOMIC DEVELOPMENT ASPECTS IN KOSOVO

    Directory of Open Access Journals (Sweden)

    Rexhepi Shaqir

    2014-07-01

    Full Text Available Abstract: Studies on the functioning of loan management models in banking institutions are of special significance for the ascertainment of efficient credit disbursement modalities and policies, with the aim of ensuring strategic and financial development. In their monetary programs, banks among other make assumptions on the increase of the demand for cash from loans for their respective economies and businesses. Supporting the economy through loans represents one of the main tasks of any banking system, and this is especially applicable in countries with specifics similar to our country. During the last half of the previous decade, the structure of deposits in the banking system underwent severe changes, which were generally in function of the country\\'s development, but also assisted in the development of the banking system itself. The overall tendency of the deposits in the banking system was positive, and charts and series matrixes show their ever growing tendencies. However, the vulnerability and problems of the first decade after the establishment of any banking system are reflected in crises and problems noted in the structure and level of deposits of such banking systems, which in the case of Kosovo was further reflected in external and internal factors affecting loans and their overall default.

  5. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

    ... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan... access to advanced telecommunications systems, equipment and services. The List of Materials historically... taking a fundamentally new approach to advancing state-of-the-art telecommunications technologies...

  6. 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.

  7. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    ... tuition has contributed to a significant increase in student loan debt among Americans. The ability of... change. Some commenters suggested that private student loans should be discharged if the borrower is... Government does not have authority to require the discharge of a private student loan. The post-discharge...

  8. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... Agency will seek a first or parity lien position on Agency-financed property in all instances. The Agency... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value... foreclosure; (iii) The Agency to occupy the property, sublet the property, or sell the leasehold for cash or...

  9. Complaints Soar over Student-Loan Collections

    Science.gov (United States)

    Field, Kelly

    2012-01-01

    Over the past five years, the number of complaints filed against agencies collecting on behalf of the U.S. Department of Education has grown by 45 percent. The Federal Trade Commission, which oversees the entire industry, received 142,743 complaints involving debt-collection companies last year, though only some involved student loans. Consumer…

  10. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

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

  11. 34 CFR 685.203 - Loan limits.

    Science.gov (United States)

    2010-07-01

    ... professional student may borrow, for any academic year of study may not exceed the cost of attendance minus... for any academic year of study under the Federal Direct Stafford/Ford Loan Program in combination with... on or after July 1, 2007, $3,500, for a program of study of at least a full academic year in length...

  12. 44 CFR 206.376 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

    ..., except increases due to inflation, the annual operating budget or operating statement expenditures will... impact of the loss of property tax revenue in Debt Service or Pension Funds (non-operating funds) if all... cancellation. (a) FEMA shall cancel repayment of all or part of a Special Community Disaster Loan to the extent...

  13. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... means the local government's fiscal year. (c) Interest rate. The interest rate is the rate for five year... executed. This rate is from the monthly Treasury schedule of certified interest rates which takes into... shall use the loaned funds to carry on existing local government functions of a municipal operation...

  14. 44 CFR 206.366 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

    ... additional unreimbursed disaster-related expenses for a municipal operating character. For loan cancellation... other revenues rates or the tax assessment valuation of property which was not damaged or destroyed by... revenue rates and tax assessment valuation factors applicable to such property in effect at the time of...

  15. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... may seek enforcement of this provision as well as the Government.” (ii) All other loans are subject to... Standards, by a Certified Public Accountant (CPA). In some cases, the Agency will contract directly with a...

  16. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

    As college costs continue to rise, student loan default and repayment are issues of increasing concern to students and families, colleges and universities, and state and federal governments. Helping students borrow responsibly and manage their debt are vitally important to maintaining college access and affordability and increasing the education…

  17. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

    ... annually shall submit to FEMA copies of its annual financial reports (operating statements, balance sheets... accordance with the Schedule of Loan Increments in the Promissory Note. As funds are disbursed, interest will... government shall submit a copy of its most recent financial report (if not submitted previously) for...

  18. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ... the firm's future financial position, such as market studies, country and industry economic forecasts...-term loans; (B) The present and past financial health of the firm, as reflected in various financial indicators calculated from the firm's financial statements and accounts; (C) The firm's recent past and...

  19. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

    .... Comment: Require the mentor to sign the loan application to prevent fraud and abuse of program. Response... Standards by North American Industry Classification System (NAICS) Category (13 CFR 121.201). All of the... higher for two subcategories of animal production. (See 13 CFR 121.201, subsectors 112112 and 112310...

  20. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... tax credits, must make an equity contribution from their own resources. (1) Loan applicants who will receive benefits from the low-income housing tax credit program must make an equity contribution in the...-income housing tax credit program, the amount of Agency financing for the housing will not exceed 95...

  1. 7 CFR 4274.356 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... credit factors. Changes in legal entities or where tax consideration are the reason for change will not... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan closing. 4274.356 Section 4274.356 Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL...

  2. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... 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... borrower distress or default; (4) Provide for sharing of risk; (5) Set forth conditions for the offering...

  3. 76 FR 8403 - Biorefinery Assistance Guaranteed Loans

    Science.gov (United States)

    2011-02-14

    ... Agency will evaluate the lender's eligibility on a case- by-case basis given the risk of loss posed by... program requirements are not conducive to lenders, particularly in light of the inherent risks associated... identified potential benefits and costs of the Biorefinery Assistance Guaranteed Loan Program to lenders...

  4. 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...

  5. THE IMPACT OF MONETARY POLICY ON BANK CREDIT DURING ECONOMIC CRISIS: INDONESIA’S EXPERIENCE

    Directory of Open Access Journals (Sweden)

    Abdul Mongid

    2017-03-01

    Full Text Available The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was very important to influencesthe economic activitiy, the result provided evidence that monetary policy was important as atool to control economic activity via credit channel. The validity of this study challenged thehypotheses that monetary policy was death. However, monetary policy maker should carefullyconsider the soundness of the banking industry because it was a strategic partner for monetaryauthority to control the economic activities.

  6. 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.

  7. 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.

  8. A Study on Management of Contract Conditions of Yen Loan Projects in Philippine and Vietnam

    Science.gov (United States)

    Matsuba, Yasutaka; Ozawa, Kazumasa; Yasutani, Satoru

    FIDIC conditions of contract are used in many cases as general conditions for public works funded by Japanese yen loan, but there are cases where the particular conditions are written as to add some special clauses or change some clauses of FIDIC general conditions based on their own current contract conditions and customs, which will lead to restriction of rights and duties of the Engineer and Contractor. This paper focuses on yen loan projects in Philippine and Vietnam, and describes the actual contract management of FIDIC conditions of contract from the viewpoints such as: a) relationship between Client, Contractor and the Engineer b) claim for rights and contract managements. Based on interviews to parties concerned and literature reviews of public works concerned, contractor's rights are granted relatively wider in yen loan projects compared with locally-funded projects. However, it is also observed that the Engineer's rights are restricted by particular conditions, which is written in line with their own public procurement policies of both countries. Some discussions are added how these local procurement policies affect the implementation of FIDIC conditions of contract, and clarified what are the differences of contract management between both countries.

  9. 24 CFR 220.822 - Claim computation; items included.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Claim computation; items included. 220.822 Section 220.822 Housing and Urban Development Regulations Relating to Housing and Urban... computation; items included. (a) Assignment of loan. Upon an acceptable assignment of the note and security...

  10. 42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

    Science.gov (United States)

    2010-10-01

    ... for enrollment in the school as full-time or half-time students; (iii) In need of the amount of the loan to pursue the course of study at the school; and (iv) Capable, in the opinion of the school, of... of higher education must submit a financial aid transcript which includes at least the following data...

  11. 12 CFR 5.50 - Change in bank control; reporting of stock loans.

    Science.gov (United States)

    2010-01-01

    ... stability or management resources, the interests of the bank's customers, the Federal deposit insurance fund... source of repayment for the loan. (d) Definitions. As used in this section: (1) Acquisition includes a... securities of an issuer for a common purpose pursuant to any contract, understanding, relationship, agreement...

  12. 76 FR 55936 - Notice of Single Family Loan Sales (SFLS 2011-3)

    Science.gov (United States)

    2011-09-09

    ... negotiation. Due Diligence Review The BIP describes how qualified bidders may access the due diligence... of the Mortgage Loans included in SFLS 2011-3: (1) An employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or member of such an employee's household...

  13. 78 FR 34667 - Notice of Single Family Loan Sales (SFLS 2013-2)

    Science.gov (United States)

    2013-06-10

    ... process, the terms of the bidding process and the CAA Agreement are not subject to negotiation. Due... bid on any of the Mortgage Loans included in SFLS: 1. The prospective bidder is an employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or member of...

  14. 77 FR 70179 - Notice of HUD-Held Multifamily and Healthcare Loan Sale

    Science.gov (United States)

    2012-11-23

    ... are not subject to negotiation. Due Diligence Review The BIP will describe the due diligence process... of the Mortgage Loans included in MHLS 2013-1: 1. Any employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or member of such an employee's household...

  15. 75 FR 57052 - Notice of Single Family Loan Sale (SFLS 2010)

    Science.gov (United States)

    2010-09-17

    ... Agreement are not subject to negotiation. Due Diligence Review The BIP describes how bidders may access the... entities are ineligible to bid on any of the Mortgage Loans included in SFLS 2010: (1) Any employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or...

  16. 76 FR 24045 - Notice of HUD-Held Multifamily Loan Sale (MLS 2011-1)

    Science.gov (United States)

    2011-04-29

    ... Agreement were not subject to negotiation. Due Diligence Review The BIP described the due diligence process... Mortgage Loans included in MLS 2011-1: (1) Any employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or member of such an employee's household; (2) Any...

  17. 76 FR 35461 - Notice of Single Family Loan Sales (SFLS 2011-2)

    Science.gov (United States)

    2011-06-17

    ... not subject to negotiation. Due Diligence Review The BIP will describe how qualified bidders may... ineligible to bid on any of the Mortgage Loans included in SFLS 2011-2: 1. An employee of HUD, a member of such employee's household, or an entity owned or controlled by any such employee or member of such an...

  18. 78 FR 18902 - Defining Larger Participants of the Student Loan Servicing Market

    Science.gov (United States)

    2013-03-28

    ... Defining Larger Participants of the Student Loan Servicing Market AGENCY: Bureau of Consumer Financial...]'' of markets for other consumer financial products or services, as the Bureau defines by rule. The.... Do not include sensitive personal information, such as account numbers or Social Security numbers...

  19. 7 CFR 4274.338 - Loan agreements between the Agency and the intermediary.

    Science.gov (United States)

    2010-01-01

    ... the depreciated replacement value of the property being insured or the amount of the loan. Hazard..., aircraft, vehicle, marine, smoke, builder's risk, public liability, property damage, flood or mudslide, or... pledging the IRP revolving fund, including its portfolio of investments derived from the proceeds of the...

  20. 45 CFR 1336.64 - Development of goals and strategies: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

    ... for providing borrowers with the needed management assistance; (4) Marketing Strategy: to generate... availability of business capital; (4) Local resources for economic development and their availability; and (5... strategies developed by the Revolving Loan Fund must include the following: (1) Business Targeting Strategy...

  1. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

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

  2. 77 FR 35707 - Notice of Submission of Proposed Information Collection to OMB; FHA-Insured Mortgage Loan...

    Science.gov (United States)

    2012-06-14

    ... Processing, Escrow Administration, Customer Service, Servicing Fees and 235 Loans AGENCY: Office of the Chief...-Insured Mortgage Loan Servicing for Performing Loans; MIP Processing, Escrow Administration, Customer...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1996-02-01

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

  4. 13 CFR 123.5 - What kinds of loans are available?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What kinds of loans are available... Overview § 123.5 What kinds of loans are available? SBA offers three kinds of disaster loans: physical... loans directly or in participation with a financial institution. If a loan is made in participation with...

  5. 7 CFR 1781.20 - Disbursement of WS and RCD loan funds and WS advance funds.

    Science.gov (United States)

    2010-01-01

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

  6. 42 CFR 57.207 - Maximum amount of health professions student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of health professions student loans... LOANS Health Professions Student Loans § 57.207 Maximum amount of health professions student loans. The total of the health professions student loans made from the fund to any student for a school year may...

  7. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Health professions student loan promissory note and..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.208 Health professions student loan promissory note and disclosure requirements. (a) Promissory note form. Each health professions student loan...

  8. 7 CFR 1717.154 - Transitional assistance in connection with new loans.

    Science.gov (United States)

    2010-01-01

    ... generally requires that an applicant for a municipal rate loan obtain a portion of its debt financing from a... date if that first loan is a municipal rate loan whose loan period does not exceed 2 years, and the..., its electric rates and rate disparity, and the likely mitigation effects of priority loan processing...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2017-02-09

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

  10. PRESENTATION OF STATE SUPPORT (GRANTS IN ACCOUNTING POLICY OF POLAND

    Directory of Open Access Journals (Sweden)

    K. Zuk

    2014-01-01

    Full Text Available Since admission of Poland to the European Union Polish enterprises can make use of the state support in various forms including support in investments, investigations and developments, consulting, higher qualification, financing of exhibition participation, salary additional payments for invalid workers, repayment of loan portions. The purpose of the given publication is to make an analysis of accounting method for state support which is granted for an organization within the frameworks of the accounting policy depending on the obtained grants.Enterprises must select themselves a grant accounting form as in account books so while presenting financial reporting and these accounting and reporting forms must be reflected in the enterprise policy of accounting. The enterprise accounting policy indicates principles for creation of reserves and conditional obligations related with grants. Enterprises can use some simplifications and they can exclude creation of reserves and withhold conditional obligations concerning the grants if these measures are considered as insignificant.In accordance with the enterprise accounting policy account books must contain recordings on grant provision when a grant is transferred to the bank account or when an enterprise receives a written notice confirming final decision about payments from a financing institution. The accounting policy must determine principles of bank operation break-up on grant accounts and security system of data and files including accounting documents, accounts and other documents related to the obtained grant and the required archivation term

  11. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

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

  12. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

    ..., subpart E, a school may rely in good faith upon statements made by the borrower and, in the case of a... in a program of study with less than a full academic year remaining, the school need not recalculate... pattern or practice that results in a denial of a borrower's access to Direct Loans because of the...

  13. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

    ... approving authority to be ineligible for loan. (c) The maximum total principal amount of the farm storage... facility; (ii) By a yield determined reasonable by the county committee; (iii) Multiply by two (for 2 years... first time. (e) When a storage structure has a larger capacity than the applicant's needed capacity, as...

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

    Directory of Open Access Journals (Sweden)

    Dudaš Atila I.

    2016-01-01

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

  15. Empirical Analysis of Non-Performing Loans Trend and Growth Rate in Nigerian Banking System

    Directory of Open Access Journals (Sweden)

    Aniefiok Akpan Umoren

    2016-04-01

    Full Text Available Increasing trend in Non-performing loans (NPLs adversely affected availability of credits to economic agents in all sectors of the economy thereby constraining financial intermediation and economic activities. The study examined the trend and growth rates of NPLs in the Nigerian banking system during the major banking policy reforms regimes namely: pre-consolidation (1979 – 2004 and post consolidation era (2005 – 2014. Time series data collected were analyzed using descriptive and regression analyses. Results indicated irregular fluctuations in NPLs’ trend in both periods. This result suggested prevalent of high credit risk and corresponding reduction in lending capability of banks in the economy. Regression estimates of NPLs’ trend in the two regimes showed significant negative growth rates. This implies that, financial policies implemented in the country yielded positive impacts over time. NPLs assumed an exponential growth rate of -1.39% and -15.55% during the pre and post consolidated eras respectively. An average exponential growth rate of -5.2% was obtained during the entire period. Quadratic trend analysis revealed that, increase influence of time variable significantly reduced NPLs during pre- consolidation regime and the entire period considered. However, this influence was stagnated during post consolidation period. Based on the result, it is recommended that, prudent lending coupled with swift and orderly clean-up of banking system loan portfolios should be adopted to decelerate NPLs trend and growth rate in Nigeria. Time is an important element in designing and implementing any banking and macroeconomic policy.

  16. Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

    OpenAIRE

    Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

    1998-01-01

    Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

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

    Science.gov (United States)

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

    2010-01-01

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

  18. 38 CFR 36.4307 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  19. 24 CFR 573.7 - Loan guarantee agreement.

    Science.gov (United States)

    2010-04-01

    ... will require the Borrower to provide collateral security, to an extent and in a form, acceptable to HUD... property with comparable new property; (5) The lender will follow certain claim procedures to be specified... underlying collateral security for the loan; and (7) The lender will act as the fiscal agent for the loan...

  20. 38 CFR 36.4377 - Transfer of insured loans.

    Science.gov (United States)

    2010-07-01

    ... purchase price, whichever is the lesser. (b) Transfers between insurance accounts in a manner or under... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Transfer of insured loans... Transfer of insured loans. (a) In cases involving the transfer from one insured financial institution to...

  1. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

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

  2. 31 CFR 585.406 - Extensions of credits or loans.

    Science.gov (United States)

    2010-07-01

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

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

    NARCIS (Netherlands)

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

    2015-01-01

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

  4. 7 CFR 3550.109 - Escrow account (loans only).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Escrow account (loans only). 3550.109 Section 3550... 306C Water and Waste Disposal Grants § 3550.109 Escrow account (loans only). RHS may require that borrowers deposit into an escrow account amounts necessary to ensure that the account will contain...

  5. 7 CFR 1737.32 - Loan Design (LD).

    Science.gov (United States)

    2010-01-01

    ... growth, must be discussed. Reasons for growth projections which vary from historic trends must be... an exhibit. (vii) Special projects. Facilities involving investment in excess of $100,000 for any... Special Projects. (viii) Investment in nonrural areas.(A) For initial loans, or loans for areas not...

  6. Book Loan Delinquency in Academic Libraries: Students' Reaction ...

    African Journals Online (AJOL)

    This study examined the reaction of students towards book loan delinquency in academic libraries. The objectives were to determine the frequency of use of the reserve collection of an academic library, to find out if there was book loan delinquency, investigate the cause(s), and examine the effects on the students and the ...

  7. 38 CFR 21.4503 - Determination of loan amount.

    Science.gov (United States)

    2010-07-01

    ... may be reasonably expected to be expended for education needs in any academic year or other loan... actual cost of attendance, as defined in § 21.4500(f), to obtain the net amount by which costs exceed the... for an education loan may not exceed $2,500 in any one academic year. It also may not exceed an amount...

  8. Effects of the Subsidized Students' Loan on University Enrolment in ...

    African Journals Online (AJOL)

    This paper examines the effect of the subsidized students' loan on university enrolment in Ghana between 1988-2008 using the autoregressive distributed lag (ARDL) framework. It was discovered that the subsidized student loan had positive and significant impact on university enrolment. Per capita gross domestic product ...

  9. Funding Costs and Loan Pricing by Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis

    2009-01-01

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

  10. 12 CFR 221.103 - Loans to brokers or dealers.

    Science.gov (United States)

    2010-01-01

    ...,” in the case of loans to brokers or dealers secured by margin stock where the proceeds of the loans... made to a broker to furnish cash working capital for the conduct of his brokerage business (i.e., for... referred to in § 221.3(c) which the lending bank must accept in good faith in determining the purpose of...

  11. 7 CFR 1980.490 - Business and industry buydown loans.

    Science.gov (United States)

    2010-01-01

    ...) The lender and/or borrower demonstrates to the Government's satisfaction that it has a need for a... Law 103-354 Farmer Programs loan or if the financial and production information required by § 1980.113... Typhoon Omar. (c) Interest rate. (1) If the interest rate charged by the lender (note rate) on a BIB loan...

  12. 38 CFR 17.804 - Loan approval criteria.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Loan approval criteria. 17.804 Section 17.804 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS MEDICAL... package, loan approval will be based on the following: (a) Favorable financial history and status, (1) A...

  13. 78 FR 52460 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-08-23

    ... packager. Under this process, the groups must maintain clear separation of duties. 1. Agency-certified loan...) Have at least one year of real estate and/or mortgage experience, (2) be employed by a qualified... involving the purchase of an RHS Real Estate Owned property or loans under the Mutual Self-Help Housing...

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  15. 7 CFR 4280.123 - Guaranteed loan funding.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND... Efficiency Improvements Program Section B. Guaranteed Loans § 4280.123 Guaranteed loan funding. (a) The... the renewable energy system or energy efficiency improvement. (1) Post-application purchase and...

  16. 7 CFR 4280.152 - Servicing guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND... Efficiency Improvements Program Section B. Guaranteed Loans § 4280.152 Servicing guaranteed loans. The lender... the business, along with such other documentation as the Agency may request to determine eligibility...

  17. Are Student Loan Default Rates Linked to Institutional Capacity?

    Science.gov (United States)

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

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

  18. 25 CFR 101.2 - Kinds of loans.

    Science.gov (United States)

    2010-04-01

    ... purposes of obtaining a college or graduate education and degree in a field which will provide employment... purposes of obtaining a college or graduate education and degree in a field which will provide employment... organizations may receive loans from the revolving loan fund for investment in or lending to other organizations...

  19. 7 CFR 1779.96 - Termination of Loan Note Guarantee.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Termination of Loan Note Guarantee. 1779.96 Section 1779.96 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.96...

  20. 75 FR 24497 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-05-05

    ... Practices Although the Board is not proposing specific underwriting standards, risk avoidance methods, or... also identifies ``best practices'' FCUs should incorporate into their individual STS programs. DATES... sometimes engage in predatory lending practices. While some payday loan borrowers use these loans sparingly...

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

    African Journals Online (AJOL)

    The size of default probability by borrowers and the extent to which borrowers were fully informed about the cost implications of their loans were the two key factors that determined asymmetric risk in Nigerian loan market. Keywords: Information asymmetry, Credit constraint, Default risk, Adverse selection, Moral hazard.

  2. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

    ... a loan must provide information demonstrating the Qualifying Credit Union's sound financial position... source of financial support, in the form of both loans and technical assistance grants, for credit unions... financial services to low-income residents of these communities, resulting in more opportunities for...

  3. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

    ... Acquired Immune Deficiency Syndrome (or AIDS Research LRP); Loan Repayment Program for General Research (or... Immune Deficiency Syndrome (or AIDS Research LRP); (2) Loan Repayment Program for General Research (or.... 201 et seq.). AIDS Research means research activities related to the Acquired Immunodeficiency...

  4. 7 CFR 1786.104 - Loan fund audit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan fund audit. 1786.104 Section 1786.104... Loan fund audit. RUS shall have the right to audit within 6 months of closing, transactions involving... borrower. Should RUS determine that the borrower has made disbursements of funds advanced pursuant to RUS...

  5. 77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans

    Science.gov (United States)

    2012-09-05

    ... permit a creditor to extend credit in the form of a higher-risk mortgage loan to any consumer without... manufactured homes. Consistent with the statute, the proposal would allow a creditor to make a higher-risk..., the proposal would require a higher-risk mortgage loan creditor to obtain an additional written...

  6. 7 CFR 2201.28 - Participation in guaranteed Loans.

    Science.gov (United States)

    2010-01-01

    ... Participation in guaranteed Loans. (a) Subject to paragraphs (b), (c) and (d) of this section, a Lender may distribute the risk of a portion of a Loan guaranteed under the Program by sale of participations therein if... in part as a result of the sale of such participations; (2) The Lender remains solely responsible for...

  7. 13 CFR 500.210 - Assignment or transfer of loans.

    Science.gov (United States)

    2010-01-01

    ... has the effect of distributing the risks of the credit among other Lenders if: (i) Neither the loan... be modified, assigned, conveyed, sold or otherwise transferred by the Lender, in whole or in part... assignment or transfer of less than 100 percent of a Lender's interest in the Loan Documents and Guarantee...

  8. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program... and interest if the processor converts the in-process sugar into raw cane sugar or refined beet sugar... in-process sugar must be fully processed into raw cane sugar or refined beet sugar, before the...

  9. 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

  10. Policy for Sustainable Entrepreneurship

    DEFF Research Database (Denmark)

    Watson, Rosina; Nielsen, Kristian Roed; Wilson, Hugh N.

    Sustainable entrepreneurship—entrepreneurship with social and ecological gains as well as economic ones—can significantly address societal and environmental challenges, however, it is not clear how policy can support it. The authors develop a policy framework for sustainable entrepreneurship, using...... impact/performance; and innovating government. Contributions to entrepreneurship policy literature include measuring impact/performance and open policy innovation for entrepreneurship policy. Contributions to sustainability policy literature include empowering individuals as entrepreneurs and not just...... consumers. A sustainable entrepreneurship framework is developed. A method for crowdsourcing policy innovations is outlined....

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

    Science.gov (United States)

    Hansson, E; Tegelberg, E

    2014-10-01

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

  12. 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

  13. Energy efficiency policy impact in India: case study of investment in industrial energy efficiency

    International Nuclear Information System (INIS)

    Yang Ming

    2006-01-01

    The objective of this paper is to identify the effectiveness of energy policy and capital investment in energy efficiency technologies in the industrial sector in India. Indian energy policies relating to industrial energy efficiency over the past 25 years are briefly reviewed, and a comparison study of these energy efficiency policies and strategies in India and China has been carried out. Interviews were conducted with a number of government policy-making institutions and a national industrial development bank. The accounts of 26 industrial enterprises which applied and used a loan of the Asian Development Bank were audited for data collection. Field-visits to seven industrial entrepreneurs were undertaken in a case study. Methodologies used in this study include documentation, cross-country reviews on energy policies, questionnaire design and distribution in the industrial sector, and on-site auditing of energy efficiency technologies. This paper concludes that current energy policies and strategies in India need further improvement to promote energy efficiency investment and energy efficiency technology development in the industrial sector. This paper will interest those policy makers and industrial entrepreneurs who are willing to finance energy efficiency projects and improve energy efficiency in the industrial sector

  14. Energy efficient policy impact in India: case study of investment in industrial energy efficiency

    International Nuclear Information System (INIS)

    Yang, M.

    2006-01-01

    The objective of this paper is to identify the effectiveness of energy policy and capital investment in energy efficiency technologies in the industrial sector in India. Indian energy policies relating to industrial energy efficiency over the past 25 years are briefly reviewed, and a comparison study of these energy efficiency policies and strategies in India and China has been carried out. Interviews were conducted with a number of government policy-making institutions and a national industrial development bank. The accounts of 26 industrial enterprises which applied and used a loan of the Asian Development Bank were audited for data collection. Field-visits to seven industrial entrepreneurs were undertaken in a case study. Methodologies used in this study include documentation, cross-country reviews on energy policies, questionnaire design and distribution in the industrial sector, and on-site auditing of energy efficiency technologies. This paper concludes that current energy policies and strategies in India need further improvement to promote energy efficiency investment and energy efficiency technology development in the industrial sector. This paper will interest those policy makers and industrial entrepreneurs who are willing to finance energy efficiency projects and improve energy efficiency in the industrial sector. (author)

  15. 7 CFR 1421.105 - Farm-stored marketing assistance loans.

    Science.gov (United States)

    2010-01-01

    ... should be applied to the basic county marketing assistance loan rate to provide CCC with adequate... quality under this section shall apply only to new marketing assistance loans and not to outstanding marketing assistance loans. In determining loan percentages or the necessity to apply quality discounts, the...

  16. 13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

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

  17. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Science.gov (United States)

    2010-10-01

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

  18. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Science.gov (United States)

    2010-10-01

    ... Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC scholarship... to NHSC scholarship recipients who have completed at least 2 years of their service obligations at a...

  19. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Science.gov (United States)

    2010-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other...

  20. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Science.gov (United States)

    2012-06-13

    ... Repayment Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the Secretary of the Treasury More individuals than ever before are using student loans to finance college... Repayment (IBR) plan for Federal student loans currently allows former students to cap their student loan...

  1. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits may...

  2. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of nursing student loans. 57.307... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student...

  3. 42 CFR 57.211 - Cancellation of health professions students 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 health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel a...

  4. 77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-06-29

    ... participating in the Federal Perkins Loan Program, formerly the National Direct/Defense Student Loan Program... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for...

  5. Factors That Affect Willingness to Borrow Student Loans among Community College Students

    Science.gov (United States)

    Menges, Kathleen K.; Leonhard, Christoph

    2016-01-01

    Research suggests that student loan borrowing has increased at the community college level. This trend is worrisome to many, as research is inconclusive regarding whether loans are positively correlated with achieving a college degree. Many also contend that choosing not to borrow a student loan due to loan aversion can negatively impact a…

  6. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Science.gov (United States)

    2010-10-01

    ... student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.206 Eligibility and selection of health professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for...

  7. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan repayment benefits. (a) An employee receiving student loan repayment benefits from an agency is ineligible for...

  8. 42 CFR 57.209 - Payment of health professions student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of health professions student loans. 57.209... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a) Health...

  9. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Science.gov (United States)

    2011-08-22

    ... DEPARTMENT OF EDUCATION 34 CFR Part 668 [Docket ID ED-2009-OPE-0003] RIN 1840-AC95 Institutions and Lender Requirements Relating to Education Loans, Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal Direct Loan...

  10. 7 CFR 1944.423 - Loan packaging and 502 RH application submittal.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Loan packaging and 502 RH application submittal. 1944... Grants § 1944.423 Loan packaging and 502 RH application submittal. A grantee is required to assist 502 RH applicants in submitting their application for a RH loan. Loan packaging will be performed in accordance with...

  11. 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...

  12. 7 CFR 1434.16 - Release of the honey pledged as collateral for a loan.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Ackerly, B A

    1995-07-01

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

  14. Economic policy uncertainty, credit risks and banks’ lending decisions: Evidence from Chinese commercial banks

    Directory of Open Access Journals (Sweden)

    Qinwei Chi

    2017-03-01

    Full Text Available Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty (EPU on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.

  15. Renewable Energy Policy Fact sheet - European Union

    International Nuclear Information System (INIS)

    2017-09-01

    The EurObserv'ER policy profiles give a snapshot of the renewable energy policy in the EU Member States. The European Union aims to achieve a 20% share (with legally binding national targets) of its final energy consumption from RES by 2020, and at least a 27% share (not broken down into nationally binding targets) by 2030. Key instruments at EU level to promote RES include directives, such as the 2009 Renewable Energy Directive. The EU Emission Trading Scheme (ETS) is also intended to support RES. The European Commission has also adopted state aid guidelines to ensure that support schemes to promote RES at national level are compatible with EU competition law and internal market rules. Further instruments are research, development and innovation funding programmes, such as Horizon2020, the Innovation Fund, and the NER300 programme. RES are also supported through regional development funds as well as through grants and loans for RES projects and related infrastructure from the European Investment Bank (EIB) and the European Fund for Strategic Investments (EFSI). A recast directive on the promotion of RES in the period 2020- 2030 is to be adopted along with governance rules to ensure that the EU-wide RES target for 2030 is met

  16. Co-operation in the development of a policy and strategy for the management of spent nuclear fuel (including provisions for its safe interim storage) and radioactive waste in Mexico

    International Nuclear Information System (INIS)

    Zuloaga, P.; Molina, M.; Barcena, J.; Salas, E.; Sanchez, M.; Codee, H.; Deckers, J.

    2013-01-01

    The European Commission decided in 2010 to finance a project for providing technical support for the definition and establishment of a national policy and strategy for radioactive waste management in Mexico. the Project was in the framework of the Nuclear Safety Co-operation Instrument (NSCI), a European mechanism which finances measures to support a higher level of nuclear safety, radiation protection and the application of efficient and effective safeguards of nuclear materials in third countries. Eventually, the Project was a awarded to a Consortium made up by four Spanish companies, ENRESA, Empresarios Agrupados International SA, Iberdrola Ingenieria SAU, Westinghouse Spain SAU, and two foreign ones, COVRA NV and Belgoprocess NV. Both ENRESA and COVRA are waste management agencies, the first responsible of these activities in Spain, the second one in the Netherlands. ENRESA acts as the leader of the Consortium. The project started early in 2013 and will last until March 2015. All along this period, the Mexican system for spent fuel and radioactive waste management will be scrutinized and proposals made for its upgrading according to the best international and European standards of safety and performance. A Policy and Strategy document will be proposed, as well as significant improvements for the different institutional layers, practices and elements of the Mexican system. A total of 40 specialists are involved in the project of which 30 are Spaniards. (Author)

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

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

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

  18. 7 CFR 1786.162 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

    ... outstanding notes issued to RUS, and the RUS Mortgage. (b) Nothing in this subpart shall affect any rights of... shall prohibit a borrower from making prepayments of any loans pursuant to the RE Act in accordance with...

  19. Evaluation Of Loan Disbursement And Repayment Of Supervised ...

    African Journals Online (AJOL)

    Evaluation Of Loan Disbursement And Repayment Of Supervised Credit Scheme Of Nigeria Agricultural Cooperative And Rural Development Bank(Nacrbd) In Zaria And Kaduna North Local Government Areas Of Kaduna State, Nigeria.

  20. Some Empirical Evidence of Loan Loss Provisions for Albanian Banks

    Directory of Open Access Journals (Sweden)

    Dushku Elona

    2016-05-01

    Full Text Available In this paper we used a panel of Albanian banks for the period 2004-2014 to examine the main determinants of loan loss provisions. In addition, we tested how the latest crisis has affected provisioning behaviour of the banks. We find that loan loss provisions of banks are driven by non-discretionary components and economic fluctuations. Furthermore, we find a positive and significant result between earnings before interest, taxes and provisions and loan loss provisions, thus confirming the income smoothing hypothesis. Our estimated results do not support the capital management and signalling hypotheses. We also find that the global crisis has contributed significantly to the procyclicality of loan loss provisioning in Albania and banks continued to do income smoothing during the crisis.

  1. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

    ... service, or replace existing facilities. (ii) The purchase, rehabilitation and integration of existing... inventory on hand for each type of loan, RUS may either reduce the amount on an equal proportion basis for...

  2. Key factors for loan repayment of micro entrepreneurs in Ghana

    NARCIS (Netherlands)

    Agbeko, Daniel

    2017-01-01

    This thesis examines the extent to what corporate social responsibility (CSR) strategies, entrepreneurial and business skills and programmes for training and monitoring improve microbusiness performance and loan repayment rates: ‘To what extent do corporate social responsibility strategies,

  3. 7 CFR 1980.498 - Business and Industry Disaster Loans.

    Science.gov (United States)

    2010-01-01

    ... guaranteed for tourist or recreation facilities except for hotels, motels, bed and breakfasts, race tracks.... This portion of this section contains the regulations for making BID loans to farmers for agricultural...

  4. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

    ... farmers to purchase real estate and equipment, and finance agricultural production. Direct Loan Making, as... the information collection and page number of this issue of the Federal Register. You may submit...

  5. 27 CFR 478.97 - Loan or rental of firearms.

    Science.gov (United States)

    2010-04-01

    ... business of a dealer in firearms or as engaging in firearms transactions. Therefore, licensing and... Conduct of Business § 478.97 Loan or rental of firearms. (a) A licensee may lend or rent a firearm to any...

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

    Directory of Open Access Journals (Sweden)

    Aliona SARGO

    2013-01-01

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

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

    Data.gov (United States)

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

  8. 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...

  9. 31 CFR 545.414 - Loans or extensions of credit.

    Science.gov (United States)

    2010-07-01

    ...) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY TALIBAN (AFGHANISTAN) SANCTIONS REGULATIONS... loans or extensions of credit to a person in the territory of Afghanistan controlled by the Taliban...

  10. 7 CFR 1942.112 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ...) of this section: (i) Reasonable fees and costs such as legal, engineering, architectural, fiscal advisory, recording, environmental impact analyses, archaeological surveys and possible salvage or other... construction or procurement incurred before loan approval. Construction work or procurement actions should not...

  11. 12 CFR 225.44 - Reporting of stock loans.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    J. Manikandan

    2015-04-01

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

  13. Language Policy

    DEFF Research Database (Denmark)

    Lauridsen, Karen M.

    2008-01-01

    Like any other text, instructive texts function within a given cultural and situational setting and may only be available in one language. However, the end users may not be familiar with that language and therefore unable to read and understand the instructions. This article therefore argues...... that instructive texts should always be available in a language that is understood by the end users, and that a corporate communication policy which includes a language policy should ensure that this is in fact the case for all instructive texts....

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

    Science.gov (United States)

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

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

  15. Renewable Energy Policy Fact sheet - Poland

    International Nuclear Information System (INIS)

    2017-09-01

    The EurObserv'ER policy profiles give a snapshot of the renewable energy policy in the EU Member States. Mid-2016 Poland revamped its national support scheme for electricity from renewable energy sources, started to phase out a certificates-backed renewable electricity quota scheme, and put in place a feed-in tariff/feed-in premium (FiT/FiP) system in place with the support levels being determined by approved tender bids. Furthermore, a fiscal and soft loan instrument is used for supplementary support. Three subsidy instruments and a soft loan instrument are deployed for the promotion of renewable heat. Renewable energy in transport is promoted through a bio-fuels quota scheme

  16. Mortgage loans: an analysis of the portfolios of the largest banks in Brazil

    Directory of Open Access Journals (Sweden)

    Bruno Vinícius Ramos Fernandes

    2013-05-01

    Full Text Available Given the current macroeconomic environment experienced in Brazil, where inflation has stabilized and the basic interest rate of the economy is in one of their historical lows, demand for mortgages is increasing. In this context, the mortgage is presented with great emphasis to meet the demand for purchasing housing in addition to being a catalyst for the reduction of the high housing deficit. From a descriptive and empirical-analytic was analyzed the mortgage loan portfolio of the largest banks of the country between the years 2001 and 2010 through Quarterly Financial Information (IFT available on the Central Bank website. It was settled a comparative relationship between the data in order to check the development of mortgage portfolios over the years and the factors that influenced this evolution, and evaluate the timeliness and quality of those loans. For the evolution of the portfolio there was an economic context in which Brazil was included in the period, and observed that for most of these operations are long term the banks are more exposed to market risk. With regard to credit risk parse that, over the years, Brazilian banks are presenting a mortgage loan portfolio with lower risk, and it is found that institutions with real estate credits with higher levels of portfolio risk are subject to have higher losses on such operations in the possibility of default.

  17. Modernizing Agrifood Markets : Including Small Producers in ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    Against this baseline data, they will endeavor to identify success stories or examples of interventions that ensure small farmers' access to modernizing agrifood markets. The research will inform a set of policy recommendations to be promoted through policy platforms in a large number of developing countries, including but ...

  18. 76 FR 28031 - Clarification of Statement of Policy

    Science.gov (United States)

    2011-05-13

    ... institution-affiliated parties (IAPs) participating in the affairs of Bank Holding Companies, or Savings and Loan Holding Companies. The FDIC is restating that previous change to the SOP in a slightly modified... a conviction, and the definition of de minimis offenses. DATES: The change to the policy statement...

  19. Department of Energy WindSentinel Loan Program Description

    Energy Technology Data Exchange (ETDEWEB)

    Shaw, William J. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Sturges, Mark H. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

    2016-12-01

    The U.S. Department of Energy (DOE) currently owns two AXYS WindSentinel buoys that collect a comprehensive set of meteorological and oceanographic data to support resource characterization for wind energy offshore. The two buoys were delivered to DOE’s Pacific Northwest National Laboratory (PNNL) in September, 2014. After acceptance testing and initial performance testing and evaluation at PNNL’s Marine Sciences Laboratory in Sequim, Washington, the buoys have been deployed off the U.S. East Coast. One buoy was deployed approximately 42 km east of Virginia Beach, Virginia from December, 2014 through June, 2016. The second buoy was deployed approximately 5 km off Atlantic City, New Jersey in November, 2015. Data from the buoys are available to the public. Interested parties can create an account and log in to http://offshoreweb.pnnl.gov. In response to a number of inquiries and unsolicited proposals, DOE’s Wind Energy Technologies Office is implementing a program, to be managed by PNNL, to lend the buoys to qualified parties for the purpose of acquiring wind resource characterization data in areas of interest for offshore wind energy development. This document describes the buoys, the scope of the loans, the process of how borrowers will be selected, and the schedule for implementation of this program, including completing current deployments.

  20. Population policy.

    Science.gov (United States)

    1987-03-01

    Participants in the Seminar on Population Policies for Top-level Policy Makers and Program Managers, meeting in Thailand during January 1987, examined the challenges now facing them regarding the implementation of fertility regulation programs in their respective countries -- Bangladesh, China, India, Indonesia, Malaysia, Nepal, Pakistan, the Philippines, the Republic of Korea, and Thailand. This Seminar was organized to coincide with the completion of an Economic and Social Commission for Asia and the Pacific (ESCAP) study investigating the impact and efficiency of family planning programs in the region. Country studies were reviewed at the Seminar along with policy issues about the status of women, incentive and disincentive programs, and socioeconomic factors affecting fertility. In Bangladesh the government recognizes population growth as its top priority problem related to the socioeconomic development of the country and is working to promote a reorientation strategy from the previous clinic-oriented to a multidimensional family welfare program. China's family planning program seeks to postpone marraige, space the births of children between 3-5 years, and promote the 1-child family. Its goal is to reduce the rate of natural increase from 12/1000 in 1978 to 5/1000 by 1985 and 0 by 2000. India's 7th Five-Year-Plan (1986-90) calls for establishing a 2-child family norm by 2000. In Indonesia the government's population policy includes reducing the rate of population growth, achieving a redistribution of the population, adjusting economic factors, and creating prosperous families. The government of Indonesia reversed its policy to reduce the population growth rate in 1984 and announced its goal of achieving a population of 70 million by 2100 in order to support mass consumption industries. It has created an income tax deduction system favoring large families and maternity benefits for women who have up to 5 children as incentives. Nepal's official policy is to

  1. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Science.gov (United States)

    2010-01-01

    ... geographic market (e.g., limits on higher risk loans). • Identify appropriate terms and conditions by type of..., collateral inspection, collection, and loan review. • Establish real estate appraisal and evaluation programs... concentrations of risk. • Compliance with all real estate related laws and regulations, including the Community...

  2. A cross-disciplinary assessment of student loans debt, financial support for study and career preferences upon graduation.

    Science.gov (United States)

    Webster, Craig S; Ling, Christopher; Barrow, Mark; Poole, Phillippa; Henning, Marcus

    2017-07-21

    To explore relationships between student loans debt, financial support and career preferences upon graduation for all healthcare disciplines offered at the Faculty of Medical and Health Sciences, University of Auckland. The Faculty Tracking Project is a longitudinal study which invites students to complete a questionnaire at the beginning and end of their educational programmes, including questions on debt, financial support and career preference. Our analysis comprised three phases: (1) a descriptive analysis of data related to debt and financial support; (2) a principal component analysis in order to find related categories of career choice; and (3) logistic regression models to determine how career preference categories could be explained by either levels of student loans debt or financial support. Data from 2,405 participating students were included. Students in health sciences, nursing and pharmacy typically accrue levels of student loans debt of around $15,000 to $29,999, while optometry students accrue debt around $15,000 higher. Medical students show debt distributed around modes of $0 and $90,000 or more. All students typically access three sources of financial support during study. Career preferences at graduation reduced to four categories for all health disciplines. We found five significant effects, involving students in health sciences, medicine and pharmacy, relating the number of sources of financial support to the four categories of career preference. No significant effects were found related to level of student loans debt. Our results suggest that financial support is a more strongly determining factor in career choices than the level of student loans debt. The four-category framework for student career preferences appears to be a useful model for further research.

  3. ROTC Policy Regarding Homosexuals

    Directory of Open Access Journals (Sweden)

    Lee S. Duemer

    1997-03-01

    Full Text Available This is a policy analysis, in a historical context, of how Association of American University institutions responded to Reserve Officer Training Corps policy excluding homosexuals. The time period for this study is 1982 to 1992. Qualitative methods are used to analyze data and arrive at conclusions. Secondary data provide additional depth and background. This study reveals seven different positions institutions have taken in response to ROTC policy, these include: supporting ROTC policy, neutrality, collective action, barring military recruiters from campus, distancing the institution from ROTC, and changing the campus climate. This includes examples taken from AAU institutions and rationales behind making policy decisions.

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

    Directory of Open Access Journals (Sweden)

    Makri Vasiliki

    2014-01-01

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

  5. 36 CFR 1228.12 - How do agencies obtain approval to loan permanent or unscheduled records?

    Science.gov (United States)

    2010-07-01

    ... (7) A signature block for the Archivist of the United States. The loan must not take place until the Archivist has signed the agreement. (b) On request, NARA may allow an agency to prepare an annual loan...

  6. 13 CFR 120.423 - Which 7(a) loans may a Lender securitize?

    Science.gov (United States)

    2010-01-01

    ... Lender may only securitize 7(a) loans that will be fully disbursed within 90 days of the securitization's closing date. If the amount of a fully disbursed loan increases after a securitization settles, the Lender...

  7. The impact of training and monitoring on loan repayment of microfinance debtors in Ghana

    NARCIS (Netherlands)

    Agbeko, Daniel; Blok, Vincent; Omta, S.W.F.; Velde, van der G.

    2017-01-01

    Microbusiness entrepreneurs training and monitoring programmes are widely recognized as key to loan repayment performance of microfinance institution (MFI) loan clients in developing countries. Empirical evidence is, however, largely lacking and where present, not consistent. The present paper

  8. 12 CFR 723.5 - How do you implement a member business loan program?

    Science.gov (United States)

    2010-01-01

    ... union sufficient expertise given the complexity and risk exposure of the loans in which the credit union... interest in the collateral securing the loan that the third party is responsible for reviewing, with the...

  9. Renewable Energy Policy Fact sheet - Slovenia

    International Nuclear Information System (INIS)

    2017-07-01

    The EurObserv'ER policy profiles give a snapshot of the renewable energy policy in the EU Member States. In Slovenia, electricity from renewable sources is promoted through a feed-in tariff (so called 'guaranteed purchase') and a premium tariff (so called 'operating premium'), both granted through a tender procedure. Renewable energy sources for heating purposes are promoted mainly through loans on concessional terms and subsidies. The main incentive for renewable energy use in transport are tax exemptions and subsidies

  10. Tax and Fiscal Policies for Promotion of Industrial EnergyEfficiency: A Survey of International Experience

    Energy Technology Data Exchange (ETDEWEB)

    Price, Lynn; Galitsky, Christina; Sinton, Jonathan; Worrell,Ernst; Graus, Wina

    2005-09-15

    The Energy Foundation's China Sustainable Energy Program (CSEP) has undertaken a major project investigating fiscal and tax policy options for stimulating energy efficiency and renewable energy development in China. This report, which is part of the sectoral sub-project studies on energy efficiency in industry, surveys international experience with tax and fiscal policies directed toward increasing investments in energy efficiency in the industrial sector. The report begins with an overview of tax and fiscal policies, including descriptions and evaluations of programs that use energy or energy-related carbon dioxide (CO2) taxes, pollution levies, public benefit charges, grants or subsidies, subsidized audits, loans, tax relief for specific technologies, and tax relief as part of an energy or greenhouse gas (GHG) emission tax or agreement scheme. Following the discussion of these individual policies, the report reviews experience with integrated programs found in two countries as well as with GHG emissions trading programs. The report concludes with a discussion of the best practices related to international experience with tax and fiscal policies to encourage investment in energy efficiency in industry.

  11. 401(k) plan asset allocation, account balances, and loan activity.

    Science.gov (United States)

    VanDerhei, J; Galer, R; Quick, C; Rea, J

    1999-01-01

    The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have been collaborating for the past two years to collect data on participants in 401(k) plans. This effort, known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project, has obtained data for 401(k) plan participants from certain of EBRI and ICI sponsors and members serving as plan recordkeepers and administrators. The report includes 1996 information on 6.6 million active participants in 27,762 plans holding nearly $246 billion in assets. The data include demographic information, annual contributions, plan balances, asset allocation, and loans, and are currently the most comprehensive source of information on individual plan participants. In 1996, the first year for which data are ready for analysis, the EBRI/ICI database appears to be broadly representative of the universe of 401(k) plans. Key findings include: for all participants, 44.0 percent of the total plan balance is invested in equity funds, 19.1 percent in employer stock, 15.1 percent in guaranteed investment contracts (GICs), 7.8 percent in balanced funds, 6.8 percent in bond funds, 5.4 percent in money funds, 0.8 percent in other stable value funds, and 1.0 percent in other or unidentified investments. This allocation implies that over two-thirds of plan balances are invested directly or indirectly in equity securities. Asset allocation varies with age. For instance, on average, individuals in their twenties invested 76.8 percent of assets in equities and only 22.1 percent in fixed-income investments. By comparison, individuals in their sixties invested 53.2 percent of their assets in equities and 45.9 percent of assets in fixed-income investments. Investment options offered by 401(k) plans appear to influence asset allocation. For example, the addition of company stock substantially reduces the allocation to equity funds and the addition of GICs lowers allocations to bond and money funds

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

    Directory of Open Access Journals (Sweden)

    Nicolae - Marius JULA

    2015-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Liliana DONATH

    2014-12-01

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

  14. 7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan installments, delinquency, and acceleration of maturity date. 1436.13 Section 1436.13 Agriculture Regulations of the Department of Agriculture (Continued... FACILITY LOAN PROGRAM REGULATIONS § 1436.13 Loan installments, delinquency, and acceleration of maturity...

  15. 13 CFR 120.828 - Minimum level of 504 loan activity and restrictions on portfolio concentrations.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Minimum level of 504 loan activity and restrictions on portfolio concentrations. 120.828 Section 120.828 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Requirements for Cdc...

  16. 7 CFR 3575.80 - Interest rate changes after loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 3575.80..., DEPARTMENT OF AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.80 Interest rate changes after...) may collectively effect a permanent reduction in the interest rate on the guaranteed loan at any time...

  17. 13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate will I pay on... ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

  18. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Science.gov (United States)

    2010-01-01

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

  19. Education on the Installment Plan: The Rise of Student Loan Indebtedness in Texas.

    Science.gov (United States)

    Steiner, Matt

    During academic year (AY) 1996-97, 83,000 students left Texas postsecondary institutions with $882 million in federally guaranteed loans. This study attempts to analyze the cumulative Texas Guaranteed Student Loan Corporation loan indebtedness of student borrowers who left postsecondary educational institutions from AY 1991 through 1997. The major…

  20. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Loans in areas having special flood hazards...) Investments and Loans § 208.25 Loans in areas having special flood hazards. (a) Purpose and scope—(1) Purpose. The purpose of this section is to implement the requirements of the National Flood Insurance Act of...

  1. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

    ... field of membership, board minutes and loan portfolio); (c) Credit unions that have a history of... limit? 723.17 Section 723.17 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS MEMBER BUSINESS LOANS § 723.17 Are there any exceptions to the aggregate loan limit...

  2. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

    ... PLUS Loan borrower must not have an adverse credit history. If an applicant for a Direct PLUS Loan is determined to have an adverse credit history, the applicant may qualify for a Direct PLUS Loan by obtaining an endorser who does not have an adverse credit history. The Endorser Addendum serves as the means by...

  3. 13 CFR 120.391 - What is the Builders Loan Program?

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 221.109 - Loan to open-end investment company.

    Science.gov (United States)

    2010-01-01

    ... the general nature and operations of such a company, any loan by a bank to such a company should be... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loan to open-end investment company. 221.109... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.109 Loan to open-end investment company. In...

  5. 78 FR 45283 - Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013

    Science.gov (United States)

    2013-07-26

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after July 19, 2013. Military Reservist Loan Program--4.000% Dated: July 19, 2013. James E. Rivera...

  6. 77 FR 46550 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012

    Science.gov (United States)

    2012-08-03

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after July 20, 2012. Military Reservist Loan Program 4.000% ] Dated: July 30, 2012. James E. Rivera...

  7. 77 FR 71668 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013

    Science.gov (United States)

    2012-12-03

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after November 26, 2012. Military Reservist Loan Program 4.000% Dated: November 19, 2012. James E...

  8. 78 FR 26680 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013

    Science.gov (United States)

    2013-05-07

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after April 26, 2013. Military Reservist Loan Program--4.000%. Dated: May 2, 2013. James E. Rivera...

  9. 77 FR 25010 - Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012

    Science.gov (United States)

    2012-04-26

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after April 20, 2012. Military Reservist Loan Program--4.000% Dated: April 23, 2012. Joseph P. Loddo...

  10. 78 FR 5555 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013

    Science.gov (United States)

    2013-01-25

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after January 18, 2013. Military Reservist Loan Program--4.000% Dated: January 18, 2013. James E. Rivera...

  11. 76 FR 44976 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2011

    Science.gov (United States)

    2011-07-27

    ... No: 2011-18897] SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans... Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after July 22, 2011. Military Reservist Loan Program: 4.000...

  12. 78 FR 65416 - Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014

    Science.gov (United States)

    2013-10-31

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after October 18, 2013. Military Reservist Loan Program: 4.000% Dated: October 21, 2013. James E. Rivera...

  13. 76 FR 66769 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012

    Science.gov (United States)

    2011-10-27

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after October 21, 2011. Military Reservist Loan Program--4.000%. Dated: October 19, 2011. James E...

  14. 77 FR 4854 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012

    Science.gov (United States)

    2012-01-31

    ... ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012 In... following interest rate is effective for Military Reservist Economic Injury Disaster Loans approved on or after January 23, 2012. Military Reservist Loan Program 4.000% January 23, 2012. James E. Rivera...

  15. 42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

    Science.gov (United States)

    2010-10-01

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

  16. The Success of Students' Loans in Financing Higher Education in Tanzania

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

    Students' loans in financing higher education in Tanzania have been subjected to many researches. However, less information is available on how the success of students' loans in financing higher education can be revealed. Therefore the purpose of this study is to examine the factors indicating the success of students' loans in financing higher…

  17. Options to Change Interest Rates and Other Terms on Student Loans

    Science.gov (United States)

    Congressional Budget Office, 2013

    2013-01-01

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

  18. Above and Beyond: What Eight Colleges Are Doing to Improve Student Loan Counseling. Research Report

    Science.gov (United States)

    Fletcher, Carla; Webster, Jeff; Klepfer, Kasey; Fernandez, Chris

    2015-01-01

    Borrowing student loans can be confusing and intimidating, enough so that these feelings can influence how students go to college or whether they even enroll at all. Colleges have a responsibility to provide loan counseling to federal student loan borrowers--which, when done intently, can produce a potentially clarifying and empowering experience.…

  19. The Influence of Students' Loans Borrowers' Characteristics on Default Rate in Tanzania

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

    The cost of students' loans defaulting has lead to a serious discussion among participants. Substantial attention has been made on the students' loans and its impact on higher education finances while researches on students' loans defaults have not been taken for more than a decade. Therefore this study examines the influence of student loans…

  20. Income-Contingent Student Loan Repayment Systems Outside the U.S.

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

    There is remarkable diversity in student loan systems throughout the world. In considering the ideal approach to system of loan repayment based on income here in the United States, it is valuable to examine the nature, successes, and failures of some other countries' methods of offering borrowers income-contingent student loan repayment. Two…

  1. Affordable at Last: A New Student Loan System. Education Sector Reports

    Science.gov (United States)

    Dillon, Erin

    2011-01-01

    Student loan debt is fast becoming a fact of American life. Students are borrowing more money for college and are being forced to pay back large sums of their income. This report offers a new way to pay back student loans based on each individual's earnings. International Income-Contingent Loan Systems are appended. (Contains 1 figure and 40…

  2. 77 FR 28860 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-05-16

    ... simplified the loan process by eliminating the need for institutions to prepare, and students to sign, a... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan Program Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory...

  3. 78 FR 6081 - Agency Information Collection Activities; Comment Request; National Student Loan Data System (NSLDS)

    Science.gov (United States)

    2013-01-29

    ...; Comment Request; National Student Loan Data System (NSLDS) AGENCY: Federal Student Aid (FSA), Department... of Collection: National Student Loan Data System (NSLDS). OMB Control Number: 1845-0035. Type of... data through the National Student Loan Data System (NSLDS) system from postsecondary schools, Perkins...

  4. Quantitative Study Examining the Relationship between Demographic Factors and Loan Default among 4-Year College Students

    Science.gov (United States)

    Cobb, Ashley K.

    2017-01-01

    The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

  5. Deeper in Debt: Women and Student Loans. Executive Summary and Recommendations

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

    This document provides a summary of and recommendations from the larger report, "Deeper in Debt: Women and Student Loans" (ED580345). Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and…

  6. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaces EBC DP 2010-032)

    NARCIS (Netherlands)

    Baele, L.; Farooq, M.; Ongena, S.

    2012-01-01

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

  7. 7 CFR 1940.563 - Section 502 non-subsidized guaranteed Rural Housing (RH) loans.

    Science.gov (United States)

    2010-01-01

    ... (RH) loans. 1940.563 Section 1940.563 Agriculture Regulations of the Department of Agriculture... guaranteed Rural Housing (RH) loans. (a) Amount available for allocations. See § 1940.552(a) of this subpart... percentage range used for Section 502 guaranteed RH loans is plus or minus 15. (e) Base allocation. See...

  8. 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…

  9. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ... provide AHP direct subsidy to enable eligible households with subprime or nontraditional loans held by a...-value ratio, payment history, type of original loan (e.g., subprime or nontraditional), and reasons for...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION...

  10. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

    ... and other collateral. 221.7 Section 221.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD... value of margin stock and other collateral. (a) Maximum loan value of margin stock. The maximum loan... nonmargin stock and all other collateral. The maximum loan value of nonmargin stock and all other collateral...

  11. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

    ... area. Loan repayment benefits are limited to payments of the principal and interest on government and commercial loans received for the attendance at an accredited college of veterinary medicine that result in a... greatest need. This section also provides that loan repayments may consist of payments of the principal and...

  12. 7 CFR 1942.122 - Actions prior to loan closing and start of construction.

    Science.gov (United States)

    2010-01-01

    ... Rescue and Other Small Community Facilities Projects § 1942.122 Actions prior to loan closing and start of construction. (a) Excess FmHA or its successor agency under Public Law 103-354 loan funds. Loans... construction. 1942.122 Section 1942.122 Agriculture Regulations of the Department of Agriculture (Continued...

  13. 12 CFR Appendix I to Part 27 - Monthly Home Loan Activity Format

    Science.gov (United States)

    2010-01-01

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

  14. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

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

  15. 76 FR 71329 - Request for Information Regarding Private Education Loans and Private Educational Lenders

    Science.gov (United States)

    2011-11-17

    ... Regarding Private Education Loans and Private Educational Lenders AGENCY: Bureau of Consumer Financial... Justice and the Federal Trade Commission, to prepare a Report on Private Education Loans and Private Education Lenders. The Bureau seeks information on private education loans and related consumer financial...

  16. 13 CFR 120.434 - What are SBA's requirements for loan pledges?

    Science.gov (United States)

    2010-01-01

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

  17. 7 CFR 766.302 - Loan servicing application requirements for borrowers in bankruptcy.

    Science.gov (United States)

    2010-01-01

    ... in bankruptcy. 766.302 Section 766.302 Agriculture Regulations of the Department of Agriculture... Loan Servicing For Borrowers in Bankruptcy § 766.302 Loan servicing application requirements for borrowers in bankruptcy. (a) Borrower not previously notified. To be considered for loan servicing, the...

  18. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Science.gov (United States)

    2010-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1514 Loan guarantee and interest subsidy agreements. For each application for a...

  19. Do agricultural subsidies crowd out or stimulate rural credit market institutions? The case of EU Common Agricultural Policy

    Directory of Open Access Journals (Sweden)

    Jan and Katarina Szegenyova Pokrivcak

    2012-11-01

    Full Text Available In this paper we estimate the impact of agricultural subsidies granted under the European Union’s Common Agricultural Policy (CAP on bank loans extended to farms. According to our theoretical analysis, subsidies may either stimulate or crowd out bank loans depending on the timing of subsidies, severity of credit constraint, type of subsidies and bank loans, and the relative cost of internal and external financing. In empirical analysis we use the Farm Accountancy Data Network (FADN farm level panel data for the period 1995-2007. We employ the fixed effects and generalised method of moment (GMM models. The estimated results suggest that (i big farms tend to use subsidies to increase long-term loans, whereas small farms tend to use subsidies to obtain short-term loans; (ii subsidies tend to crowd out short-term loans for big farms and long-term loans for small farms; (iii when controlling for the endogeneity, the crowding out effect becomes smaller, but the positive causal effect of subsidies on bank loans remains significant.

  20. Designing Citizen Business Loan Model to Reduce Non-Performing Loan: An Agent-based Modeling and Simulation Approach in Regional Development

    Directory of Open Access Journals (Sweden)

    Moses L Singgih

    2015-09-01

    Full Text Available Citizen Business Loan (CBL constitutes a program poverty alleviation based on economic empowerment of small and medium enterprise. This study focuses on implementation of CBL at Regional Development Bank branch X. The problem is the existing of interdependencies between CBL’s implements (Bank and the uncertainty of debtor’s capability in returning the credit. The impact of this circumstance is non-performing loan (NPL becomes relatively high (22%. The ultimate objective is to minimize NPL by designing the model based on the agent that can represent the problem through a simulation using agent-based modeling and simulation (ABMS. The model is considered by managing the probability of the debtor to pay or not based on 5 C categories, they are: character, capacity, capital, condition, and collateral that inherent to each debtor. There are two improvement scenarios proposed in this model. The first scenario only involves the first category of debtor in simulation. The result of this scenario is NPL value as 0%. The second scenario includes the first and second of debtor’s category in simulation and resulting NPL value between 4.6% and 11.4%.