WorldWideScience

Sample records for program loan repayment

  1. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

    ...] Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type... the IHS Loan Repayment Program (LRP) for health professional educational loans (undergraduate and..., nursing, public health nursing, dentistry, psychiatry, osteopathy, optometry, pharmacy, psychology, public...

  2. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

    ... ] children, including pediatric pharmacology. Program refers to the NIH Loan Repayment Program, or LRP... mentoring researchers, funding history, and research productivity. (B) Quality and appropriateness of...

  3. 75 FR 3193 - Application Package and Reporting Requirements for the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2010-01-20

    ... Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA... Veterinary Medicine Loan Repayment Program (VMLRP). This Notice initiates a 60-day comment period and... requirements for the Veterinary Medicine Loan Repayment Program (VMLRP) as authorized under section 1415A of...

  4. 75 FR 22736 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-04-30

    ... National Institute of Food and Agriculture Notice of Request for Applications for the Veterinary Medicine... . DATES: The FY 2010 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary of...

  5. 77 FR 23461 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2012-04-19

    ... National Institute of Food and Agriculture Notice of Request for Applications for the Veterinary Medicine...: The FY 2012 Veterinary Medicine Loan Repayment Program (VMLRP) application package will be available... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary of...

  6. 76 FR 31299 - Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2011-05-31

    ... National Institute of Food and Agriculture Request for Applications for the Veterinary Medicine Loan... National Institute of Food and Agriculture (NIFA) is announcing the release of the Veterinary Medicine Loan... 2011 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made available at...

  7. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

    ... Educational Loans Announcement Type: Initial. CFDA Number: 93.164. DATES: Key Dates: February 25, 2011 first... professional educational loans (undergraduate and graduate) in return for full-time clinical service in Indian... health nursing, dentistry, psychiatry, osteopathy, optometry, pharmacy, psychology, public health, social...

  8. The Faculty Loan Repayment Survey.

    Science.gov (United States)

    Brody, Harvey; Sinkford, Jeanne C.

    1997-01-01

    A survey investigated the status of a program that simultaneously encourages minority health occupations graduates to pursue teaching and helps repay their student loans. The federal program, with 16 schools and 35 students participating, has been instrumental in recruiting teachers, but has not resolved financial difficulties for some…

  9. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Terms of loan repayment and length of service... LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.13 Terms of loan repayment and length of service requirements. (a) Loan repayment. For each year of obligated...

  10. 7 CFR 3575.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Terms of loan repayment. 3575.34 Section 3575.34... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.34 Terms of loan repayment. (a) General... terms that reasonably ensure repayment of the loan. However, the first installment to include a...

  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 (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.34 Terms of loan repayment... lender and borrower on terms that reasonably ensure repayment of the loan. However, the first installment...

  12. 77 FR 67330 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2012-11-09

    ... the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and... veterinarians offset a significant portion of the debt incurred in pursuit of their veterinary medicine degrees... attendance at an accredited college of veterinary medicine that result in a degree of Doctor of Veterinary...

  13. 78 FR 25417 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2013-05-01

    .... Loans eligible for repayment include educational loans made for one or more of the following: Loans for tuition expenses; other reasonable educational expenses, including fees, books, and laboratory expenses..., Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary Medicine Loan...

  14. 7 CFR 1980.321 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Terms of loan repayment. 1980.321 Section 1980.321...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.321 Terms of loan repayment. (a) Note. Principal and interest shall be due and payable monthly. (b) Term. The term for final maturity shall be not...

  15. 7 CFR 1980.424 - Term of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Term of loan repayment. 1980.424 Section 1980.424...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.424 Term of loan... working capital portion of the loan. The term for a loan that is being refinanced may be based on the...

  16. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... disruption to marketing, transportation, or related infrastructure, the Secretary may modify the repayment... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

  17. 78 FR 63464 - William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public...

    Science.gov (United States)

    2013-10-24

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public Comment... (Page 61347, Column 2) seeking public comment for an information collection entitled, ``William D. Ford...

  18. 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,…

  19. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

    ... employees (or job candidates) to receive student loan repayment benefits that ensures fair and equitable... 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...

  20. 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.

  1. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Obtaining and repaying a loan. 682.102 Section 682.102 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope § 682.102...

  2. 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…

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

    African Journals Online (AJOL)

    2017-05-01

    May 1, 2017 ... Microcredit Loan Repayment Default among Small Scale Enterprises: A Double Hurdle Approach. Introduction. Credit risk management is crucial to the survival of banks, microfinance institutions and related financial institutions, and the clients they serve. Credit risk can be analysed from three main angles: ...

  4. 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…

  5. 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,…

  6. 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…

  7. 76 FR 23606 - Submission for OMB Review; Comment Request; National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2011-04-27

    ... Application System (MIS/OAS). Request for Comments: Written comments and/or suggestions from the public and... for participation in the program. Frequency of Response: Initial application and one- or two-year renewal application. Affected Public: Individuals or households; nonprofits; and businesses or other for...

  8. 76 FR 7570 - Proposed Collection; Comment Request; National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2011-02-10

    ... Application System (MIS/OAS). Request for Comments: Written comments and/or suggestions from the public and... participation in the program. Frequency of Response: Initial application and one- or two-year renewal application. Affected Public: Individuals or households, nonprofits, and businesses or other for-profit. Type...

  9. Agricultural Loan Repayment Performance and its Determinants in ...

    African Journals Online (AJOL)

    The repayment performance of a total sample of two hundred and twenty (220) rural household agricultural loan beneficiaries from the rural credit markets in Imo State of Nigeria from a study conducted between October 1998 and March 1999 show an overall high repayment percentage of 78.33% with a default rate of about ...

  10. 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.

  11. 7 CFR 1421.10 - Loan repayment rates.

    Science.gov (United States)

    2010-01-01

    ... grain rice, medium grain rice, and confectionery and each other kind of sunflower seed (other than oil... repay a marketing assistance loan under this section for confectionery and each other kind of sunflower...

  12. 7 CFR 1427.19 - Repayment of loans.

    Science.gov (United States)

    2010-01-01

    ... subsequently designated by the producer in the manner prescribed by CCC may redeem one or more bales of cotton pledged as collateral for a loan by payment to CCC of an amount applicable to the bales of cotton being... writing in a manner prescribed by CCC may repay the loan amount for one or more bales of cotton pledged as...

  13. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing.... 1 1 Individuals who received nursing student loans prior to July 1, 1969, remain subject to the...

  14. Determinants of rural farm loan repayment: implications for rural ...

    African Journals Online (AJOL)

    Determinants of rural farm loan repayment: implications for rural credit markets development in Imo State, Nigeria. JC Nwaru, CE Onyenweaku, EC Nwagbo, AC Nwosu. Abstract. No Abstract. Journal of Agriculture and Food Sciences Vol. 2 (1) 2004 pp. 57-67. Full Text: EMAIL FULL TEXT EMAIL FULL TEXT · DOWNLOAD ...

  15. Determinants Of Loan Repayment Ability Of Farmers In Kogi State ...

    African Journals Online (AJOL)

    Data for the analysis were obtained by interviewing a sample of loan beneficiary farmers cooperative society members and non cooperative society members in three local government areas in Kogi State. The major factors that affect repayment ability were identified and the extent of the effect was assessed using the ...

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

    African Journals Online (AJOL)

    Factors Affecting Loan Utilization And Repayment Patterns By Small Holder Farmers Of The Nigeria Agricultural Cooperative And Rural Development Bank ... that 35.8% of the beneficiaries were between the age brackets of 51- 60 years, about 61.3% of the respondents had a minimum of secondary school education.

  17. 78 FR 23742 - Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment...

    Science.gov (United States)

    2013-04-22

    ... National Institute of Food and Agriculture Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA... Act of 1995, invites the general public to comment on an information collection for the Veterinary...

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

    African Journals Online (AJOL)

    Previous studies that analysed loan defaults have imposed the restrictive assumption that the factors which influence the probability of loan default and the rate of default are the same and with the same direction effects. This study introduces a two-stage approach by applying the double hurdle model to analyse probability ...

  19. 7 CFR 1703.309 - Terms of repayment of deferred loan payments.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.309 Terms of repayment of deferred loan payments. (a) Deferments made to enable... 7 Agriculture 11 2010-01-01 2010-01-01 false Terms of repayment of deferred loan payments. 1703...

  20. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

    ... begin making loan payments until the job candidate begins serving in the position. (5) Student loan... verify with the holder of the loan that the employee (or job candidate) has an outstanding student loan... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL...

  1. 42 CFR 57.314 - Repayment of loans made after November 17, 1971, for failure to complete a program of study. 2

    Science.gov (United States)

    2010-10-01

    ..., for failure to complete a program of study. 2 57.314 Section 57.314 Public Health PUBLIC HEALTH... made after November 17, 1971, for failure to complete a program of study. 2 2 Effective November 26... in nursing for which an eligible education loan was made upon certification by a school of nursing...

  2. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Science.gov (United States)

    2010-10-01

    ..., for failure to complete a program of study. 57.214 Section 57.214 Public Health PUBLIC HEALTH SERVICE... after November 17, 1971, for failure to complete a program of study. In the event that the Secretary... eligible education loan was made upon certification by a health professions school that the individual...

  3. 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...

  4. ANALYSIS OF INFLUENCE OF FINANCIAL SOCIAL LEARNING OPPORTUNITIES ON LOAN REPAYMENT BEHAVIOUR OF COOPERATOR BORROWERS IN ABIA STATE, NIGERIA

    Directory of Open Access Journals (Sweden)

    Christopher Ogbonna EMEROLE

    2014-12-01

    Full Text Available This study on analysis of influence of financial social learning opportunities on loan repayment behavior of cooperator borrowers was carried out in Abia State, Nigeria. It was the objectives of the study to relate social learning financial opportunities in cooperative societies and member borrowers budgeting and timely repayment of loans; and determine demographic, social learning and financial factors that influenced loan repayment by cooperator borrowers. Two-stage random sampling technique was used in selecting first, two of the three agricultural zones; and second two registered farmers’ multi-purpose agricultural cooperative societies. This was followed by purposive selection from registers of the chosen cooperative societies sixty cooperators who currently were repaying loans borrowed. Descriptive and inferential statistical techniques were used in analyzing the gathered cross sectional data. Results suggest important relationships between financial social learning opportunities in cooperative societies and borrowers’ budgeting and timely loan repayment behaviours. Attendance to meetings, discussions with fellow cooperators and meaningful observation on financial behaviour of members of cooperative societies had significant positive influences on conduct and performance loan beneficiaries. The number of times beneficiaries attended meeting since after loan(s were received; number of times they discussed loan matters with members before loan(s were received; and number of times they discussed loan repayment strategies with other cooperators after loans were received had positive influences on loan repayment behaviour of cooperator borrowers. Cooperator(s should participate in all union activities to truly belong and reap the benefits of being a member

  5. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Science.gov (United States)

    2012-06-13

    ... From the Federal Register Online via the Government Publishing Office #0; #0; #0; Presidential... Documents#0;#0; #0; ] Memorandum of June 7, 2012 Improving Repayment Options for Federal Student Loan... before are using student loans to finance college. Nearly two-thirds of college graduates borrow to pay...

  6. 13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

    Science.gov (United States)

    2010-01-01

    ... of repayment, taking into consideration the following: (1) Character, reputation, and credit history... SBA Loan Program Requirements as defined in Section 120.10. Loans with de minimis value may, at the...

  7. Entrepreneurial and business skills and loan repayment rates of microfinance clients in Ghana

    NARCIS (Netherlands)

    Agbeko, Daniel; Block, Vincent; Omta, Onno; Velde, van der G.

    2016-01-01

    Entrepreneurial and business skills are generally considered key to microbusiness success, hence to Microfinance Institution (MFI) clients’ loan repayment as well. However, empirical evidence is largely lacking, and where present, it is inconclusive on the importance of these skills for microfinance

  8. Do student loans delay marriage? Debt repayment and family formation in young adulthood

    Directory of Open Access Journals (Sweden)

    Robert Bozick

    2014-06-01

    Full Text Available Background: With increasing levels of student loan debt, the path to economic stability may be less smooth than it was for earlier generations of college graduates. This paper explores this emerging trend by assessing whether or not student loan debt influences family formation. Objective: The objective of this study is to examine whether student loan debt delays marriage in young adulthood, whether or not the relationship between student loan debt and marriage differs for women and for men, and if this relationship attenuates during the years immediately after college graduation. Methods: We estimate a series of discrete-time hazard regression models predicting the odds of first marriage as a function of time-varying student loan debt balance, using a nationally representative sample of bachelor's degree recipients from the 1993 Baccalaureate and Beyond Longitudinal Study (N = 9,410. Results: We find that the dynamics of loan repayment are related to marriage timing for women, but not for men. Specifically, an increase of $1,000 in student loan debt is associated with a reduction in the odds of first marriage by two percent a month among female bachelor degree recipients during the first four years after college graduation. This relationship attenuates over time. Conclusions: Our study lends support to the proposition that the financial weight of monthly loan repayments impedes family formation in the years immediately following college graduation -- however, only for women. This finding questions traditional models of gender specialization in family formation that emphasize the economic resources of men.

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

    Directory of Open Access Journals (Sweden)

    Shaik Abdul Majeeb PASHA

    2014-05-01

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

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

    Science.gov (United States)

    2010-07-01

    ... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs... receive, services under a program designed to rehabilitate disabled individuals and must provide the... the borrower is engaged in service described in §§ 674.53, 674.54, 674.55, 674.56, 674.57, 674.58, 674...

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

    African Journals Online (AJOL)

    The discriminant function analysis revealed that amount of loan borrowed and education level made the highest positive contribution to the total discriminate score. A total of 62 farmer cooperators belonged to group 1 (credit worthy) while 38 of the farmer cooperators belonged to group 2 (noncredit worthy). The OLS multiple ...

  12. Determinants of loan repayment patterns among Micro Agricultural Financial Institution of South Africa beneficiaries in North West Province, South Africa

    Directory of Open Access Journals (Sweden)

    Idowu Oladele

    2016-12-01

    Full Text Available This paper examined the determinants of loan repayment patterns among Micro Agricultural Financial Institution of South Africa beneficiaries in North West Province, South Africa. A simple random sampling technique was used to select 280 respondents from a total of 344 beneficiaries. A structured questionnaire was used to collect data which was analysed using the Statistical Package for Social Sciences (SPSS with frequencies, percentages and probit regression. Majority of the farmers were males (86.8%, 71.4%, had secondary level school of education. A probit regression analysis was used to analyse factors affecting the repayment of loans, and the results showed that income from crops (t = -2.75; p = 0.006 is significant at 1% and has a negative coefficient. Other sources of income (t = -5.133; p = 0.000 is significant at 1%. The results further show that there were significant indirect relationship between financial capital and social capital (t = -7.106; p = 0.000 after MAFISA loans and loan repayment (t = -7.11; p = 0.000. The other significant variables are membership of organisation (t = -2.281; p = 0.023 and frequency of extension contact (t = -3.836; 0.000, and they are significant at 5% and 1% respectively.

  13. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

    Presently the US imports a large proportion of its petroleum requirements. This dependence on foreign petroleum has had a major impact on our economy. As a result, the Federal government is sponsoring programs to offset this foreign reliance by conservation of oil and gas, conversion of petroleum using facilities to coal and nuclear energy and the development of alternate sources of energy. One of the most acceptable alternate resources is geothermal. It offers an environmentally sound energy resource, can be developed at reasonable cost in comparison to other forms of energy and has a long term production capacity. On September 3, 1974, the Geothermal Energy Research Development and Demonstration Act was enacted to further the research, development and demonstration of geothermal energy technologies. This Act also established the Geothermal Loan Guaranty Program to assist in the financing of geothermal resource development, both electrical and non-electrical. The highlights of that Guaranty Program are detailed in this report.

  14. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... until 5 years after repayment of the loan commences. SBA is also correcting a grammatical error in the... Energy Act of 2008 (the Farm Act). Except for several grammatical corrections, this direct final rule... correcting a spelling error in section 123.300(b), changing ``principle'' to ``principal''. SBA is amending...

  15. 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.

  16. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...

  17. 78 FR 7787 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2013-02-04

    ...: Physical Therapy, Occupational Therapy, Speech-Language Pathology, and Audiology: M.S. and D.P.T. (q..., social work, marriage and family therapy, chiropractic medicine, environmental health and engineering, an.... and R.H.I.A. (w) Certified Professional Coder: AAPC or AHIMA. (x) Respiratory Therapy. (y...

  18. Repayment of Student Loans as of 2015 among 1995-96 and 2003-04 First-Time Beginning Students. First Look. NCES 2018-410

    Science.gov (United States)

    Woo, Jennie H.; Bentz, Alexander H.; Lew, Stephen; Velez, Erin Dunlop; Smith, Nichole

    2017-01-01

    This "First Look" report presents selected findings about the repayment of federal student loans using data from the 2015 Federal Student Aid Supplements to two Beginning Postsecondary Students Longitudinal Studies (BPS) administered by the National Center for Education Statistics (NCES). The report examines two cohorts of borrowers:…

  19. 34 CFR 682.215 - Income-based repayment plan.

    Science.gov (United States)

    2010-07-01

    ... EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.215... for the year the borrower certifies family size. Support includes money, gifts, loans, housing, food... 34 Education 3 2010-07-01 2010-07-01 false Income-based repayment plan. 682.215 Section 682.215...

  20. 75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

    Science.gov (United States)

    2010-04-19

    ..., or other therapeutic or diagnostic substance or medical or surgical technique, or (2) The use of... reproductive management, or (4) The rendering of advice or recommendation by any means including telephonic and... veterinary specialists to assist in the control and eradication of animal disease outbreaks. Sec. 3431.9...

  1. 77 FR 10455 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2012-02-22

    ... directly related to diseases, disorders, and other conditions in children, including pediatric pharmacology..., ] including the mentors' record in mentoring researchers, funding history, and research productivity. (B...

  2. 77 FR 15933 - Conservation Loan Program

    Science.gov (United States)

    2012-03-19

    ... Agency (FSA) implemented the new Conservation Loan (CL) Program authorized by the Food, Conservation, and... the conservation plan demonstrate NRCS Field Office Technical Guide quality criteria for at least... Farm Service Agency 7 CFR Parts 761, 762, 764, 765, and 766 RIN 0560-AI04 Conservation Loan Program...

  3. 75 FR 54005 - Conservation Loan Program

    Science.gov (United States)

    2010-09-03

    ..., 762, 764, 765, and 766 RIN 0560-AI04 Conservation Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Interim final rule. SUMMARY: The Farm Service Agency (FSA) is implementing the new Conservation Loan (CL) Program authorized by the Food, Conservation, and Energy Act of 2008 (the 2008 Farm Bill...

  4. Can medical students afford to choose primary care? An economic analysis of physician education debt repayment.

    Science.gov (United States)

    Youngclaus, James A; Koehler, Paul A; Kotlikoff, Laurence J; Wiecha, John M

    2013-01-01

    Some discussions of physician specialty choice imply that indebted medical students avoid choosing primary care because education debt repayment seems economically unfeasible. The authors analyzed whether a physician earning a typical primary care salary can repay the current median level of education debt and meet standard household expenses without incurring additional debt. In 2010-2011, the authors used comprehensive financial planning software to model the annual finances for a fictional physician's household to compare the impact of various debt levels, repayment plans, and living expenses across three specialties. To accurately develop this spending model, they used published data from federal and local agencies, real estate sources, and national organizations. Despite growing debt levels, the authors found that physicians in all specialties can repay the current level of education debt without incurring more debt. However, some scenarios, typically those with higher borrowing levels, required trade-offs and compromises. For example, extended repayment plans require large increases in the total amount of interest repaid and the number of repayment years required, and the use of a federal loan forgiveness/repayment program requires a service obligation such as working at a nonprofit or practicing in a medically underserved area. A primary care career remains financially viable for medical school graduates with median levels of education debt. Graduates pursuing primary care with higher debt levels need to consider additional strategies to support repayment such as extended repayment terms, use of a federal loan forgiveness/repayment program, or not living in the highest-cost areas.

  5. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal Direct... (FFEL), and William D. Ford Federal Direct Loan (Direct Loan) program loans repaid by the Secretary...

  6. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

    ... borrower's race, gender, color, religion, national origin, age, disability status, or income. (9) A school... 34 Education 3 2010-07-01 2010-07-01 false Origination of a loan by a Direct Loan Program school... Requirements, Standards, and Payments for Direct Loan Program Schools § 685.301 Origination of a loan by a...

  7. 76 FR 37779 - Rural Broadband Access Loans and Loan Guarantees Program

    Science.gov (United States)

    2011-06-28

    ... Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees Program AGENCY: Rural Utilities... for the Rural Broadband Access Loans and Loan Guarantees Program for fiscal year (FY) 2011. A Notice..., 2011, at 76 FR 13797, prior to the passage of a final appropriations bill identifying a definite...

  8. 25 CFR 103.15 - Are there any prohibited loan terms?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Are there any prohibited loan terms? 103.15 Section 103... there any prohibited loan terms? A loan agreement guaranteed or insured under the Program may not... in writing; (c) A loan repayment term of over 30 years; (d) Payments scheduled less frequently than...

  9. 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....

  10. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... Loans has continued during FY2010 in response to the ongoing need to rebuild the Gulf Coast areas... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business Administration... the extension of the ``Notice of waiver of regulatory provisions'' for SBA's GO Loan Pilot until...

  11. Loan and Mortgage Spreadsheet.

    Science.gov (United States)

    Burns, Edward

    Information about the effect of changes in interest rates and the length of repayment on mortgages is available through the use of this loan and mortgage spreadsheet program designed for use on Apple computers. It is especially designed to help people evaluate the relative advantages of a variable rate mortgage with a low initial rate of interest…

  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. 34 CFR 685.209 - Income contingent repayment plan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Income contingent repayment plan. 685.209 Section 685.209 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions...

  14. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AD05 William D. Ford Federal Direct Loan Program AGENCY: Office of Postsecondary... of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new income...

  15. The Student-Loan System Needs a Major Overhaul

    Science.gov (United States)

    Hess, Frederick, M.; Squire, Juliet

    2007-01-01

    In September 2007, Congress voted to cut subsidies to lenders in the federal guaranteed-student-loan program and use much of the savings to increase student aid. Congress also passed other significant provisions, including modified repayment periods and loan forgiveness for certain students. Such legislation came on the heels of New York Attorney…

  16. Guaranteed Student Loans: A Background Paper. Report No. 1.

    Science.gov (United States)

    National Commission on Student Financial Assistance, Washington, DC.

    The Guaranteed Student Loan (GSL) program's current operations, legislative history, and growth are reviewed, along with research needs. GSLs are made by lenders to college students, and the federal government guarantees them and provides incentive payments to lenders and subsidy payments on behalf of students until loan repayment begins. Today,…

  17. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

    ... May 16, 2013 Part II Department of Education 34 CFR Part 685 William D. Ford Federal Direct Loan... Regulations#0;#0; ] DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AD13 William D. Ford Federal Direct Loan...; request for comments. SUMMARY: The Secretary amends the William D. Ford Federal Direct Loan Program...

  18. 7 CFR 773.19 - Interest rate, terms, security requirements, and repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rate, terms, security requirements, and... SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.19 Interest rate, terms, security requirements, and repayment. (a) Interest rate. The interest rate will be fixed...

  19. 76 FR 75427 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2011-12-02

    ... subject to racial, ethnic, or gender prejudice. See definitions of beginning farmer and socially... the same as losses for other types of livestock operations, with minor differences in security... the Agency a loss by receiving debt forgiveness on all or a portion of any direct or guaranteed loan...

  20. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

    ... farmers who are unable to get credit elsewhere. On August 7, 2009, FSA published the loan servicing... seven regional locations and consulted with Tribal leadership in each region on the rules. When the..., for proposed and final rules with Federal mandates that may result in expenditures of $100 million or...

  1. 76 FR 13797 - Rural Broadband Access Loans and Loan Guarantees Program

    Science.gov (United States)

    2011-03-14

    ... (download plus upload speeds) for both fixed and mobile broadband service and the broadband lending speed will be a minimum bandwidth of 5 megabits per second for both fixed and mobile service to the customer...; ] DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees Program...

  2. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

    ... Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program... telecommunications systems, equipment and services. The List of Materials historically has been a very useful tool in... to advancing state-of-the-art telecommunications technologies, consistent with our commitment to high...

  3. 77 FR 12157 - Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses With Credit...

    Science.gov (United States)

    2012-02-29

    ... RIN 3245-AG42 Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses... maximum term of an SBA disaster loan to small businesses with credit available elsewhere from three years...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been...

  4. 76 FR 74048 - Fishing Capacity Reduction Program for the Longline Catcher Processor Subsector of the Bering Sea...

    Science.gov (United States)

    2011-11-30

    ... for the non- pollock groundfish fishery to repay the $35,000,000 reduction loan to finance the non.... Background Sections 312(b)-(e) of the Magnuson-Stevens Fishery Conservation and Management Act (16 U.S.C... 312(d) authorizes industry fee systems for repaying reduction loans which finance reduction program...

  5. 75 FR 69401 - Fishing Capacity Reduction Program for the Longline Catcher Processor Subsector of the Bering Sea...

    Science.gov (United States)

    2010-11-12

    ... for the non- pollock groundfish fishery to repay the $35,000,000 reduction loan to finance the Non.... Background Sections 312(b)-(e) of the Magnuson-Stevens Fishery Conservation and Management Act (16 U.S.C... 312(d) authorizes industry fee systems for repaying reduction loans which finance reduction program...

  6. 78 FR 10135 - Fishing Capacity Reduction Program for the Longline Catcher Processor Subsector of the Bering Sea...

    Science.gov (United States)

    2013-02-13

    ... for the non- pollock groundfish fishery to repay the $35,000,000 reduction loan to finance the non.... Background Sections 312(b)-(e) of the Magnuson-Stevens Fishery Conservation and Management Act (16 U.S.C... 312(d) authorizes industry fee systems for repaying reduction loans which finance reduction program...

  7. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

    ... Service 7 CFR Part 1735 RIN 0572-AC24 Expansion of 911 Access; Telecommunications Loan Program AGENCY... access and integrated emergency communications systems in rural areas for the Telecommunications Loan... Villano, Assistant Administrator, Telecommunications Program, USDA--Rural Utilities Service, 1400...

  8. 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.

  9. 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

  10. 77 FR 43723 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-07-26

    ... Conservation programs (EE Programs) undertaken by an eligible utility system to finance demand side management... Energy Efficiency and Conservation Loan Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of... implementing demand side management, energy efficiency and conservation programs, and on-grid and off-grid...

  11. 13 CFR 120.706 - What are the terms and conditions of an SBA loan to an Intermediary?

    Science.gov (United States)

    2010-01-01

    ... BUSINESS ADMINISTRATION BUSINESS LOANS Microloan Program § 120.706 What are the terms and conditions of an... available per state. (b) Repayment terms. During the first year of the loan, an Intermediary is not required... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are the terms and conditions...

  12. Integer Programming Approach For Optimization Of Library Loan Policy

    Directory of Open Access Journals (Sweden)

    Hafeezullah Abdulrehman

    2017-04-01

    Full Text Available In the Library system main objective is to provide the best services to the users. The purpose of this research is to develop a library system that house implementing integrated procurement flow return and borrowing books so that the inter-library loan dealing can be done in an integrated manner with the hope to facilitate members to borrow variety of books thereby increasing library transactions. Interlibrary management system library loan policy have been formed by using integer programming technique. This paper is prepared with a view to facilitate to users with loan period and maximum number of books can be borrowed.

  13. 12 CFR 617.7430 - Are institutions required to participate in state agricultural loan mediation programs?

    Science.gov (United States)

    2010-01-01

    ... state agricultural loan mediation programs? 617.7430 Section 617.7430 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS Distressed Loan Restructuring; State Agricultural Loan Mediation Programs § 617.7430 Are institutions required to participate in state agricultural loan mediation...

  14. 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.

  15. Federal Student Loans: Flexible Agreements with Guaranty Agencies Warrant Careful Evaluation. Report to the Honorable James M. Jeffords, U.S. Senate.

    Science.gov (United States)

    Ashby, Cornelia M.

    Certain state or not-for-profit agencies guarantee payment to banks and other lending institutions if students fail to repay loans obtained through the Federal Family Education Loan Program. The 1998 amendments to the Higher Education Act authorize the Secretary of Education to enter into voluntary flexible agreements (VFAs) with individual…

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

    Energy Technology Data Exchange (ETDEWEB)

    Lantz, Eric [National Renewable Energy Lab. (NREL), Golden, CO (United States)

    2010-05-01

    This report relies on six in-depth interviews with loan program administrators to provide descriptions of existing programs. Findings from the interviews are combined with a review of relevant literature to elicit best practices and lessons learned from existing loan programs. Data collected from each of the loan programs profiled are used to quantify the impacts of these specific loan programs on the commonly cited, overarching state clean energy goals of energy security, economic development, and environmental protection.

  17. 25 CFR 101.3 - Eligible borrowers under United States direct loan program.

    Science.gov (United States)

    2010-04-01

    ... loan program on a reservation will be accompanied by reasons for need, estimate of financing needs, and... 25 Indians 1 2010-04-01 2010-04-01 false Eligible borrowers under United States direct loan... ACTIVITIES LOANS TO INDIANS FROM THE REVOLVING LOAN FUND § 101.3 Eligible borrowers under United States...

  18. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

    ... tuition expenses; other reasonable educational expenses, including fees, books, and laboratory expenses... section 1415A of the National Agricultural Research, Extension, and Teaching Policy Act of 1977 (7 U.S.C... submitted to VMLRP, Policy and Oversight Division, National Institute of Food and Agriculture, U.S...

  19. 75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

    Science.gov (United States)

    2010-06-25

    ... HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Nursing Student Loan... Nursing Student Loan (NSL) program by: (1) Increasing the limits of loan funds to students; (2) revising... loans eligible for partial loan cancellation. SUPPLEMENTARY INFORMATION: The Nursing Student Loan (NSL...

  20. 77 FR 67329 - Information Collection Request, Servicing Minor Program Loans

    Science.gov (United States)

    2012-11-09

    ... ] Development Act (CONTACT, 7 U.S.C. 1981(b)), in part, authorizes the Secretary of Agriculture to modify... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request, Servicing Minor Program Loans AGENCY: Farm Service...

  1. 75 FR 27949 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2010-05-19

    ... efficiency in managing the SFHGLP. The proposed changes are in accordance with the recommendations of the... Housing Service proposes two changes to its Single Family Housing Guaranteed Loan Program (SFHGLP...-quarter of 1 percent. The first proposed rule change would eliminate the lender's published VA rate for...

  2. Mortgage Loan Portfolio Optimization Using Multi-Stage Stochastic Programming

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    We consider the dynamics of the Danish mortgage loan system and propose several models to reflect the choices of a mortgagor as well as his attitude towards risk. The models are formulated as multi stage stochastic integer programs, which are difficult to solve for more than 10 stages. Scenario...... reduction and LP relaxation are used to obtain near optimal solutions for large problem instances. Our results show that the standard Danish mortgagor should hold a more diversified portfolio of mortgage loans, and that he should rebalance the portfolio more frequently than current practice....

  3. 77 FR 26744 - Fishing Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery

    Science.gov (United States)

    2012-05-07

    ... Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice of reduction payment tender of... fishery. The program authorizes NMFS to make payments to permit holders who voluntarily relinquish their... loan repayment fees of $13,133,030 which post-reduction harvesters will repay over a 40-year period...

  4. 34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    2010-07-01

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

  5. 75 FR 63143 - Solicitation of Input From Stakeholders Regarding Administration of the Veterinary Medicine Loan...

    Science.gov (United States)

    2010-10-14

    ... reasonable educational expenses, including fees, books, and laboratory expenses, incurred by the individual... Agricultural Research, Extension, and Teaching Policy Act of 1977 (7 U.S.C. 3151a). The purpose of this program... Policy Act of 1977 (NARETPA). This law established a new Veterinary Medicine Loan Repayment Program (7 U...

  6. Small Business Administration (SBA) Loan Program Performance- Post-Charge Off Recovery Rates by Program

    Data.gov (United States)

    Small Business Administration — Reflects total post-charge off recovery rates, as a percent of the amounts charged off by charge off year, for the major loan programs and aggregate totals by charge...

  7. 75 FR 17303 - Section 108 Community Development Loan Guarantee Program: Participation of States as Borrowers...

    Science.gov (United States)

    2010-04-06

    ... procedure, American Samoa, Community Development Block Grants, Grant programs--education, Grant programs-- housing and community development, Guam, Indians, Loan programs-- housing and community development, Low... URBAN DEVELOPMENT 24 CFR Part 570 RIN 2506-AC28 Section 108 Community Development Loan Guarantee Program...

  8. 7 CFR 4279.126 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4279.126 Section 4279.126 Agriculture... Loan terms. (a) The maximum repayment for loans on real estate will not exceed 30 years; machinery and... which require a periodic payment schedule which will retire the debt over the term of the loan without a...

  9. 7 CFR 4274.320 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4274.320 Section 4274.320 Agriculture... (IRP) § 4274.320 Loan terms. (a) No loan to an intermediary shall be extended for a period exceeding 30... recipient. The term must be reasonable and prudent considering the purpose of the loan, expected repayment...

  10. 77 FR 59311 - Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program...

    Science.gov (United States)

    2012-09-27

    ... Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program, Federal... provisions governing the Federal student financial aid programs under the authority of the Higher Education Relief Opportunities for Students Act of 2003 (HEROES Act). The HEROES Act requires the Secretary to...

  11. Wind Powering America Anemometer Loan Program: A Retrospective

    Energy Technology Data Exchange (ETDEWEB)

    Jimenez, T.

    2013-05-01

    This white paper details the history, mechanics, status, and impact of the Native American Anemometer Loan Program (ALP) conducted by the U.S. Department of Energy's Wind Powering America (WPA) initiative. Originally conceived in 2000 and terminated (as a WPA activity) at the end of FY 2011, the ALP has resulted in the installation of anemometers at 90 locations. In addition, the ALP provided support for the installation of anemometers at 38 additional locations under a related ALP administered by the Western Area Power Administration.

  12. 7 CFR 1951.859 - Term of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Term of loans. 1951.859 Section 1951.859 Agriculture... REGULATIONS (CONTINUED) SERVICING AND COLLECTIONS Rural Development Loan Servicing § 1951.859 Term of loans... terms of loan repayment will be those stipulated in the loan agreement and/or promissory note. ...

  13. 7 CFR 3550.113 - Rates and terms (loans only).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Rates and terms (loans only). 3550.113 Section 3550... 306C Water and Waste Disposal Grants § 3550.113 Rates and terms (loans only). (a) Interest rate. The interest rate for all section 504 loans will be 1 percent. (b) Loan term. The repayment period for the loan...

  14. 77 FR 19531 - 7(a) Loan Program; Eligible Passive Companies

    Science.gov (United States)

    2012-04-02

    ...) loan that includes working capital and/or the purchase of other assets, including intangible assets...(a) loan including working capital for use by the Operating Company, the regulation requires the... capital when the Eligible Passive Company applies for a loan primarily to finance the acquisition of real...

  15. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false The Federal Family Education Loan programs. 682.100 Section 682.100 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope...

  16. 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.

  17. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... than six years ago, SBA no longer believes it is necessary to waive this regulation for loans under the.... Steven J. Smits, Associate Administrator, Office of Capital Access. BILLING CODE 8025-01-P ...

  18. 5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

    Science.gov (United States)

    2010-01-01

    ...-detail to other agencies. 930.208 Section 930.208 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other... that coordinates the loan/detail of an administrative law judge from one agency to another. An agency...

  19. William D. Ford Federal Direct Loan Program. Final Regulations. Federal Register, Department of Education, 34 CFR Part 685

    Science.gov (United States)

    National Archives and Records Administration, 2014

    2014-01-01

    The purpose of this regulatory action is to amend the regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program (§ 685.200 of title 34 of the Code of Federal Regulations (CFR)). These regulations strengthen and improve administration of the Federal Direct PLUS Loan Program authorized under title IV of the Higher Education…

  20. 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.

  1. 24 CFR 954.500 - Repayment of investment.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Repayment of investment. 954.500... DEVELOPMENT INDIAN HOME PROGRAM Program Administration § 954.500 Repayment of investment. (a) HOME funds will be made available pursuant to a HOME Investment Partnership Agreement. The agreement ensures that...

  2. 13 CFR 123.105 - How much can I borrow with a home disaster loan and what limits apply on use of funds and...

    Science.gov (United States)

    2010-01-01

    ... disaster loan and what limits apply on use of funds and repayment terms? 123.105 Section 123.105 Business... determines the loan maturity and repayment terms based on your needs and your ability to pay. Generally, you... the loan, as shown on the Note securing the loan. SBA will consider other payment terms if you have...

  3. 34 CFR 685.221 - Income-based repayment plan.

    Science.gov (United States)

    2010-07-01

    ... for the year the borrower certifies family size. Support includes money, gifts, loans, housing, food... 34 Education 3 2010-07-01 2010-07-01 false Income-based repayment plan. 685.221 Section 685.221 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY...

  4. 42 CFR 62.5 - How is application made for a scholarship program award?

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false How is application made for a scholarship program... FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.5 How is application made for a scholarship program...

  5. 42 CFR 62.3 - Who is eligible to apply for a scholarship program award?

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Who is eligible to apply for a scholarship program... FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.3 Who is eligible to apply for a scholarship program...

  6. The Consequences of the Study of Federal Student Loan Programs: A Case Study in the Utilization of Social Research.

    Science.gov (United States)

    Weiss, Carol H.

    This report traces the consequences of a study of federal student loan programs. The first chapter outlines the events that led up to the Loan Study, the nature of the questions posed, and government preparations for letting a contract for the study. Chapter 2 describes the conduct of the Loan Study: the development of a proposal, the beginning of…

  7. 45 CFR 2400.58 - Repayment of stipend.

    Science.gov (United States)

    2010-10-01

    ... FOUNDATION FELLOWSHIP PROGRAM REQUIREMENTS Fellowship Stipend § 2400.58 Repayment of stipend. (a) If a Fellow..., or political science on a full-time basis in a secondary school for at least one school year for each... fails to attend the Foundation's Summer Institute on the Constitution, the Fellow must repay all of the...

  8. 75 FR 77607 - Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-12-13

    ... parent locator service of the Department of Health and Human Services or authorized persons defined by...'t pay child support. J. NIFA may disclose information from this system of records to private parties.... Strict controls have been imposed to minimize the risk of compromising the information that is being...

  9. 42 CFR 62.1 - What is the scope and purpose of the National Health Service Corps scholarship program?

    Science.gov (United States)

    2010-10-01

    ... Health Service Corps scholarship program? 62.1 Section 62.1 Public Health PUBLIC HEALTH SERVICE... SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.1 What is the scope and purpose of the National Health Service Corps scholarship program? These regulations apply to...

  10. 42 CFR 62.4 - To whom will scholarship program awards be available in addition to those individuals pursuing...

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false To whom will scholarship program awards be... HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.4 To whom will scholarship program...

  11. 75 FR 19285 - Short-Term Lending Program (STLP)

    Science.gov (United States)

    2010-04-14

    ... Disadvantaged Business (SDB); Section 8(a) Program participant; HUBZONE Empowerment Contracting Program; and... administrative order; (b) A court order; (c) A repayment agreement between the holder and a custodial parent; or... proper notification of the activation date of the STLP loan. (b) Additional Administrative Fee: For total...

  12. 42 CFR 62.11 - When can a scholarship program payment obligation be discharged in bankruptcy?

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false When can a scholarship program payment obligation... HEALTH AND HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.11 When can a...

  13. 42 CFR 62.6 - How will individuals be selected to participate in the scholarship program?

    Science.gov (United States)

    2010-10-01

    ... the scholarship program? 62.6 Section 62.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.6 How will individuals...

  14. 78 FR 65523 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2013-11-01

    ... automated valuation model. The security for the loan must still meet the requirements specified in 7 CFR 762...: Increasing the appraisal threshold to $250,000 results in eliminating the independent third party valuation... valuation methods as an appraisal, lenders' must use a formal process to estimate and document the property...

  15. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... IV debt. DATES: We must receive your comments on or before August 16, 2012. ADDRESSES: Submit your... enrollment and rising tuition has contributed to a significant increase in student loan debt among Americans. The ability of recent college graduates to find immediate employment with wages adequate enough to...

  16. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    ... discharge of their title IV debt. DATES: Effective date: These regulations are effective July 1, 2013... enrollment and rising tuition has contributed to a significant increase in student loan debt among Americans. The ability of recent college graduates to find immediate employment with wages adequate enough to...

  17. 42 CFR 62.8 - What does an individual have to do in return for the scholarship program award?

    Science.gov (United States)

    2010-10-01

    ... the scholarship program award? 62.8 Section 62.8 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.8 What does an...

  18. 42 CFR 62.7 - What will an individual be awarded for participating in the scholarship program?

    Science.gov (United States)

    2010-10-01

    ... participating in the scholarship program? 62.7 Section 62.7 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Scholarship Program § 62.7 What will an...

  19. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  20. 75 FR 69454 - Emergency Homeowners' Loan Program: Notice of Allocation of Funding for Substantially Similar...

    Science.gov (United States)

    2010-11-12

    .... Eligible state programs are those that already have experience, during this current housing crisis, in...' Loan program. VII. Other Information Environmental Review. This notice of funding availability does not... environmental review under the National Environmental Policy Act of 1969. (42 U.S.C. 4321) Dated: November 5...

  1. Repayment flexibility can reduce financial stress: a randomized control trial with microfinance clients in India.

    Science.gov (United States)

    Field, Erica; Pande, Rohini; Papp, John; Park, Y Jeanette

    2012-01-01

    Financial stress is widely believed to cause health problems. However, policies seeking to relieve financial stress by limiting debt levels of poor households may directly worsen their economic well-being. We evaluate an alternative policy - increasing the repayment flexibility of debt contracts. A field experiment randomly assigned microfinance clients to a monthly or a traditional weekly installment schedule (N=200). We used cell phones to gather survey data on income, expenditure, and financial stress every 48 hours over seven weeks. Clients repaying monthly were 51 percent less likely to report feeling "worried, tense, or anxious" about repaying, were 54 percent more likely to report feeling confident about repaying, and reported spending less time thinking about their loan compared to weekly clients. Monthly clients also reported higher business investment and income, suggesting that the flexibility encouraged them to invest their loans more profitably, which ultimately reduced financial stress.

  2. 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.

  3. 75 FR 3197 - Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program

    Science.gov (United States)

    2010-01-20

    ... Rural Business-Cooperative Service Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program AGENCY: Rural Business-Cooperative Service, USDA. ACTION: Notice of public... Development Mission area, will hold a public meeting entitled ``Business and Industry Guaranteed Loan Program...

  4. 78 FR 50026 - Energy Efficiency and Conservation Loan Program Finding of No Significant Impact

    Science.gov (United States)

    2013-08-16

    ... Rural Utilities Service Energy Efficiency and Conservation Loan Program Finding of No Significant Impact... (RUS) has made a finding of no significant impact (FONSI) for implementing its new Energy Efficiency... 12 to authorize energy audits and energy efficiency measures and devices to reduce demand on electric...

  5. The 1992-1993 Evaluation of the Loan Forgiveness Program (Revised). OER Report.

    Science.gov (United States)

    Mateu-Gelabert, Pedro; And Others

    The Loan Forgiveness Program (LFP) was designed to recruit bilingual individuals in the following shortage areas in the New York City public schools: (1) special education; (2) school social work; (3) educational evaluation; (4) speech and hearing handicapped; (5) school psychology, guidance, and counseling; (6) physical therapy; and (7)…

  6. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ...) refinancing. III. Overview of Key Changes Made at Final Rule Stage HUD is making several changes to the... rule. Definitions (Section 242.1) The proposed rule added the following three definitions to 24 CFR... Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans; Final Rule #0;#0;Federal...

  7. 76 FR 51435 - Request for Certification of Compliance; Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-08-18

    ... grant application is to support the expansion of business to the international market. The project will... loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor... and Grant Program AGENCY: Employment and Training Administration, Labor. ACTION: Notice. SUMMARY: The...

  8. 75 FR 13329 - Implications of Financial Accounting System (FAS) 166 on SBA Guaranteed Loan Programs

    Science.gov (United States)

    2010-03-19

    ... ADMINISTRATION Implications of Financial Accounting System (FAS) 166 on SBA Guaranteed Loan Programs AGENCY... Administration (SBA) is soliciting information and views from the public on: (1) The effect that the accounting changes mandated by the Financial Accounting Standards Board (FASB) in Financial Accounting Standard (FAS...

  9. 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.

  10. 75 FR 36099 - Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health...

    Science.gov (United States)

    2010-06-24

    ... HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Primary Care Loan... Care Act (ACA), Public Law 111-148. Section 5201 of the ACA changes the Primary Care Loan (PCL) program by: (1) Reducing the number of years for the primary health care service requirement; (2) lowering...

  11. Teaching Repayment of Parents' Kindness

    Science.gov (United States)

    Kim, Bum Jung; Sung, Kyu-taik

    2011-01-01

    This article introduces a Buddhist Sutra about the deep kindness of mothers and ways of repaying mothers' kindness. The Sutra has been used to teach children about mothers' kindness and the obligation to repay to their mothers in their old age. It contains discourses about 10 types of kindness that a mother bestows on her child and how to repay…

  12. 78 FR 65582 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-11-01

    .... USDA Nondiscrimination Statement The U.S. Department of Agriculture (USDA) prohibits discrimination... origin, age, disability, sex, gender identity, religion, reprisal, and where applicable, political... complaint of discrimination, complete the USDA Program Discrimination Complaint Form (PDF), found online at...

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

    Science.gov (United States)

    2013-08-23

    ... Agency oversight or minimum competency standards. This proposed rule will impose experience, training... Agency's housing program, increasing specialized support available to them to complete the application..., ensure those packagers are qualified and trained, perform quality assurance reviews to prevent the...

  14. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2014-05-30

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

  16. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    ... compared to non-metropolitan rural homeowners indicates the guaranteed program has a positive impact in... in pursuing homeownership. The impacts of changes to the rule are positive to the federal budget... divorces, the wife gets the home if she desires, and can thus argue for custody of the children because the...

  17. ASSESSING FACTORS AFFECTING the REPAYMENT RATE OF MICROFINANCE INSTITUTIONS: A Case Study of Village Credit Institutions of Gianyar, Bali

    Directory of Open Access Journals (Sweden)

    Lincolin Arsyad

    2013-06-01

    Full Text Available This paper attempts to assess the influence of several factors on the repayment rate of the Village Credit Institutions (Lembaga Perkreditan Desa or simply LPDs in Gianyar district in Bali. Using a quantitative approach (logistic model the findings of this study indicate that the Balinese social custom, including social values, norms, and sanctions (informal institutions have an influence on sustaining the high repayment rate of the LPDs. This finding conforms to the some previous studies using institutional approach that reveal the high repayment rate of the LPDs in Gianyar district is influenced by their institutional arrangement that based on custom regulation which includes social norms, sanctions, and involvement of custom village leader in screening process and contractual enforcement of loan (informal institutions, by regulations set up by the Central Bank (formal institutions, and by the mechanism of collecting loan repayments applied by the LPDs management.

  18. Do flexible repayment schedules improve the impact of microcredit? Evidence from a randomized evaluation in rural India

    OpenAIRE

    Czura, Kristina

    2015-01-01

    Microcredit institutions typically apply rigid and fixed repayment schedules when disbursing loans in order to reduce transaction costs, simplify procedures, and inculcate fiscal discipline for better repayment behavior. Microcredit clients, however, often have neither smooth income nor singular moments in which to make lumpy investments throughout the year. This mismatch generates a cash flow disconnect and, given the presumed liquidity constraints of the typical microcredit client, a potent...

  19. 7 CFR 771.9 - Interest rates, terms, security requirements, and repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates, terms, security requirements, and... Interest rates, terms, security requirements, and repayment. (a) Interest rate. The interest rate will be fixed for the term of the loan. The rate will be established by FSA, based upon the cost of Government...

  20. 78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

    Science.gov (United States)

    2013-02-27

    ... consumption, savings, homeownership, household formation, entrepreneurship, and other indicators of economic... encourage the development of more affordable loan repayment mechanisms for private student loan borrowers... economic incentive to modify the loan, as the net present value (NPV) of the restructured debt may be...

  1. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500... GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the... United States with remaining periods of maturity comparable to the term of the loan sought to be...

  2. Small Business Administration (SBA) Loan Program Performance- Charge Off Rates as a Percent of Unpaid Principal Balance (UPB) Amount by Program

    Data.gov (United States)

    Small Business Administration — Reflects charge off rates, as a percent of the UPB amounts, at the end of the fiscal year for the major loan programs and aggregate totals for the small direct and...

  3. 44 CFR 206.376 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

    ... money borrowed to pay amounts FEMA does not advance toward completion of approved Project Applications... cancellation. (a) FEMA shall cancel repayment of all or part of a Special Community Disaster Loan to the extent...-month period beginning September 1, 2005, FEMA will prorate the revenues and expenses for the partial...

  4. 34 CFR 674.39 - Loan rehabilitation.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan rehabilitation. 674.39 Section 674.39 Education..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.39 Loan rehabilitation. (a) Each institution must establish a loan rehabilitation program for all borrowers for the purpose of rehabilitating...

  5. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400... PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be... States with remaining periods of maturity comparable to the term of the loan sought to be guaranteed. The...

  6. 25 CFR 170.301 - Can a tribe use IRR Program funds to leverage other funds or pay back loans?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Can a tribe use IRR Program funds to leverage other funds... Financing § 170.301 Can a tribe use IRR Program funds to leverage other funds or pay back loans? (a) A tribe can use IRR Program funds to leverage other funds. (b) A tribe can use IRR Program funds to pay back...

  7. Determinants of Households’ Overdue Loans in Romania

    Directory of Open Access Journals (Sweden)

    Adrian CODIRLASU

    2011-01-01

    Full Text Available The paper’s target is to identify macroeconomic and financial variables that are relevant for the evolution and forecassting of the household’s overdue loans in Romania. By employing vector autoregression and systems of ecuations using the SUR methodology, the authors are trying to respond to the following questions: (1 Which are the lags and the individual intensities of the macroeconomic relevant indicators when affecting the household overdue loans rate?; (2 What are the characteristics of the loans reimbursement behavior in case of shocks on the labor, monetary, goods and services markets? The empirical analysis is based on monthly data which allows for assessing the quality of household loan repayment, both in terms of number of overdue loans and in terms of overdue loan volumes. The relevant explanatory variables were used in various configurations and lags for constructing several macroeconomic credit risk models.

  8. ANALISIS EFEKTIVITAS PEMBERIAN PINJAMAN PROGRAM PEMBIAYAAN UMKM OLEH KOPERASI

    Directory of Open Access Journals (Sweden)

    Hadi Ismanto

    2014-10-01

    Full Text Available Abstrak: Analisis Efektivitas Pemberian Pinjaman Program Pembiayaan UMKM Oleh Koperasi. Program Pembiayaan memiliki peran yang penting bagi UMKM, namun sering menghadapi masalah penunggakan dan kemacetan pembayaran angsuran. Penelitian ini berupaya untuk mengetahui sebab-sebab tidak lancarnya pengembalian Program Pembiayaan UJKS sehingga diharapkan dapat menyusun strategi yang lebih baik lagi dalam menyeleksi calon peminjam agar angka pinjaman bermasalah dapat ditekan. Populasi dalam penelitian ini adalah semua UMKM yang menjadi Peminjam (peminjam program pembiayaan UJKS Mitra Usaha dan masih tergolong aktif hingga bulan November 2013 dan telah memperoleh fasilitas pembiayaan sekurang-kurangnya enam bulan berjalan. Penelitian ini menemukan bahwa faktor-faktor yang berpengaruh positif terhadap tingkat pengembalian pinjaman (lancar atau menunggak adalah omzet usaha, lama usaha dan nilai plafon pinjaman. Hal ini dapat dijadikan bahan pertimbangan bagi UJKS dalam menjalankan program pembiayaan sehingga menjadi lebih efektif dalam menjalankannya.   Kata Kunci: UMKM, UJKS, Program Pembiayaan, Lancar, dan Macet.   Abstract: Effectiveness Analysis of SMEs Financing Program by Cooperative. Financing programs have an important role to SMEs, but often face the problem of repayment failures and installment payments. This study examines the causes of saving and loan cooperatives’ repayment problems. The population of this study is all SMEs borrowing from Mitra Usaha saving and loan cooperative. Furthermore these SMEs must be categorized as active SMEs until November 2013 and they had been receiving loan for at least six months. The study found that the variables such as: the length of the business, the business volume, and the value of the loan have a positive impact on repayment rate.   Keywords: SMEs, Saving and Loan Cooperative, Financing Program

  9. 10 CFR 611.107 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Loan terms. 611.107 Section 611.107 Energy DEPARTMENT OF... Direct Loan Program § 611.107 Loan terms. (a) All loans provided under this part shall be due and payable... priority in, such Security as provided for within the terms and conditions of the Loan Documents. (2...

  10. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... and debt reserves balances, and other responsibilities such as enforcement of loan terms. Loan... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS...

  11. ANALYSIS OF MODELS OF EARLY DEBT REPAYMENT IN THE Generalized CREDIT TRANSACTIONS

    Directory of Open Access Journals (Sweden)

    2016-01-01

    Full Text Available This paper analyzes the patterns of early repayment in multi-period credit transactions. Considered one of the most common ways of conversion of unpaid interest for early repayment, so-called 78 rule. The relationship of this rule with the linear approximation of the exact value; redeemable debt is determined. The analysis of the maximum excess payment of interest on 78 rule. It has been shown how interest payment on 78 rule depended on the time of early repayment. Early repayment of debt is an agreement under which the borrower pays to the lender amount of money equal to the current balance (as of loan account. Then further regular payments cease and the contract terminates. However, the amount of outstanding debt is determined by the structure of prescription charges. So in the uniform schemes of repayment of consumer credit each payment contains the same part of principal amounts and the total interest. In case of early repayment the Bank loses a significant fraction of the expected interest payments. Therefore, in practice, often used so-called accelerated schemes of interest payments. One of them is 78 rule. Use the 78 rule is simple and straightforward. The name of the rule is due to the fact that the sum of the numbers 12 monthly payments is 78. In the schemes of consumer loan with a term of one year interest payment for the current month is equal to m/78 of the total amount of interest payments, where m is the number of remaining payments. The rule name is stored and in the more general case with an arbitrary number of payments. In general interest payment is determined by the relative weight of the total amount of interest in each payment. In uniform schemes it is constant. In accelerated with a particular speed decreases. Therefore, additional cash expenses by the 78 rule may be considered as additional penalties for early repayment of the debt. It this article is shown how this penalty depends on time before maturity. It is shown that

  12. Prioritization of Factors Affecting the Delay or Inability to Repay Bank Facilities to Farmers

    Directory of Open Access Journals (Sweden)

    B. Maadanian

    2016-03-01

    Full Text Available Introduction: The role of credits in agricultural development is very important, especially after implementing land reform and converting subjects to a large class of small owners, the demand has been intensified. Seasonality of agricultural productions usually creates temporary vacuum among farmers payments and receipts, thus farmers need to save their previous incomes or seek financial help out of the sector in order to pay current expenses and investments in agriculture sector. Due to farmers low income, the saving possibility is low and therefore farmers are not in a situation that they can invest in agriculture sector from their savings or to purchase required inputs Materials and Methods: The aim of this study was to prioritize the factors affecting the delay and lack in repaying loans, therefore at first it should identify the payment factors. This means that one should find what factors are affecting the lack or delay in repayment of loans granted to farmers. So the factors affecting the delay or failure to repay the loans were identified by using the Delphi method and then prioritizing the factors will be discussed with regard to experts perspectives by using the analytical network process model. Analytical network process (ANP is one of the most efficient techniques for decision making with multiple criteria that it was proposed by Thomas Almaty for the first time in 1982 and as the developed form of AHP method. In cases where lower levels affect the upper levels or elements in a same level are not independent of each other, AHP method cannot be used. ANP technique is a more general form of AHP, but it does not require the hierarchical structure and therefore it show more complex relationships between different levels of decision in network form and it considers the interactions and feedbacks between criteria and alternatives. In fact the main objective of this process is to determine the overall impact of all factors in the face

  13. Student Demographics and Perceptions of the Cost-Sharing Program for Financing Higher Education in Tanzania and Their Relationship to Perceived Likelihood of Student Loans Repayment

    Science.gov (United States)

    Makimu, Protas A.

    2017-01-01

    Problem and Purpose: All over the world, the costs of higher education are becoming unaffordable for people of low and middle socio-economic status. The rising costs of colleges and universities are outpacing any growth in incomes and the price increases of other indispensable needs such as medical care, food, clothing and housing. Tanzania is…

  14. Economic Diversity in Elite Higher Education: Do No-Loan Programs Impact Pell Enrollments?

    Science.gov (United States)

    Hillman, Nicholas W.

    2013-01-01

    Several wealthy colleges and universities have recently begun removing all loans from low-income students' financial aid packages. This article reports on a study that found that the introduction of "no-loan" policies has positively impacted low-income enrollments, suggesting that this aid strategy may be an effective, though limited,…

  15. 76 FR 75564 - Request for Certification of Compliance; Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-12-02

    ... Employment and Training Administration Request for Certification of Compliance; Rural Industrialization Loan.../Location: Stion Solar Mississippi, LLC & Stion Equipment Leasing, LLC. Principal Product/Purpose: The loan, guarantee, or grant application is to enable Stion to purchase equipment to produce 75,000 solar panels...

  16. 76 FR 63151 - Small Business Jobs Act: 504 Loan Program Debt Refinancing

    Science.gov (United States)

    2011-10-12

    ... revise the definition of qualified debt. Other aspects of the interim final rule are adopted as final...: Substantially all of loan proceeds used to acquire Eligible Fixed Asset--13 CFR 120.882(g) (15) (Definition of... the interim final rule to recognize the economic reality that many loans for which borrowers will be...

  17. Performance of the Higher Education Students Loans Board in Human Capital Investment from 2005-2015

    Science.gov (United States)

    Memba, Albert Zephaniah; Feng, Zhao Zun

    2016-01-01

    Many studies conducted on the Higher Education Students Loans Board (HESLB) have mostly concentrated on its success, sustainability and effectiveness on loans issuance and repayment. None had focused on its performance towards human capital investment. This study sought to explain and analyze HESLB's performance in human capital investment, which…

  18. Federal Student Loan Interest Rates: History, Subsidies, and Cost. Issue Brief

    Science.gov (United States)

    Delisle, Jason

    2012-01-01

    The 2011 Occupy Wall Street protests brought countless media reports about unemployed college graduates struggling to repay their student loans and headlines sounding alarms that outstanding student loan debt will soon reach $1 trillion. Even though evidence is mixed on whether today's college graduates leave school with significantly more debt…

  19. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  20. 7 CFR 773.7 - Loan uses.

    Science.gov (United States)

    2010-01-01

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

  1. 42 CFR 505.7 - Terms of the loan.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Terms of the loan. 505.7 Section 505.7 Public... IMPROVEMENT PROGRAM Loan Criteria § 505.7 Terms of the loan. All loan recipients must agree to the following loan terms: (a) Loan obligation. An authorized official of a qualifying hospital must execute a...

  2. 7 CFR 1776.15 - Terms of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Terms of loans. 1776.15 Section 1776.15 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.15 Terms of loans. (a) HWWS loans... must set forth the HWWS loan terms in written documentation signed by the loan recipient. (c) Grant...

  3. 75 FR 22165 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2010-04-27

    ... produce autoclaved aerated concrete (AAC) ``green'' building materials. The NAICS industry code for this... States Department of Agriculture to make or guarantee loans or grants to finance industrial and business...

  4. 75 FR 10194 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2010-03-05

    ... occupy the property. The real estate that secures the loan is the only security for the repayment of the... sector. Under section 202 of the UMRA, 2 U.S.C. 1532, RHS generally must prepare a written statement... expenditures to State, local, or tribal governments, in the aggregate, or to the private sector, of $100...

  5. An Efficient Student Loan System: Case Study of Hungary

    Science.gov (United States)

    Berlinger, Edina

    2009-01-01

    The Hungarian student loan system was introduced in 2001. It has four main attributes: universal access and universal conditions; income contingent repayment; private funding; and self-sustaining (zero-profit) operation without direct state subsidy. This latter characteristic makes the scheme quite unique in international practice. Empirical facts…

  6. Is a Student Loan Crisis on the Horizon?

    Science.gov (United States)

    Akers, Beth; Chingos, Matthew M.

    2014-01-01

    College tuition and student debt levels have been increasing at a fast pace for at least two decades. These well-documented trends, coupled with an economy weakened by a major recession, have raised serious questions about whether the market for student debt is headed for a crisis, with many borrowers unable to repay their loans and taxpayers…

  7. CERN debt to the Pension Fund (Bank loan)

    CERN Document Server

    2006-01-01

    The Finance Committee is invited to recommend the Council and the Council is invited to approve the taking out of a loan with FORTIS BANK with the purpose of the repayment of the Organization's debt to the Pension Fund, in accordance with the conditions set out in the Annex 2, thereby authorising the CERN Management to sign the Agreement on 23 June 2006.

  8. Determinants of rural bank loan repayment capacity among farmers ...

    African Journals Online (AJOL)

    International Journal of Applied Agriculture and Apiculture Research. Journal Home · ABOUT THIS JOURNAL · Advanced Search · Current Issue · Archives · Journal Home > Vol 10, No 1-2 (2014) >. Log in or Register to get access to full text downloads.

  9. Economic Impacts from the Boulder County, Colorado, ClimateSmart Loan Program: Using Property-Assessed Clean Energy Financing

    Energy Technology Data Exchange (ETDEWEB)

    Goldberg, M.; Cliburn, J. K.; Coughlin, J.

    2011-04-01

    This report examines the economic impacts (including job creation) from the Boulder County, Colorado, ClimateSmart Loan Program (CSLP), an example of Property-Assessed Clean Energy (PACE) financing. The CSLP was the first test of PACE financing on a multi-jurisdictional level (involving individual cities as well as the county government). It was also the first PACE program to comprehensively address energy efficiency measures and renewable energy, and it was the first funded by a public offering of both taxable and tax-exempt bonds.

  10. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15....15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than... collateral, other loan terms, and current average yields on outstanding obligations of the United States with...

  11. 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.

  12. Federal Student Loans: Oversight of Defaulted Loan Rehabilitation Needs Strengthening. Testimony before the Subcommittee on Higher Education and Workforce Training, Committee on Education and the Workforce, House of Representatives. GAO-14-426T

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

    As of September 2013 about $94 billion--over 11 percent of federal student loan volume in repayment--was in default. Loan rehabilitation allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Department of Education (Education) contracts with collection agencies to assist…

  13. 77 FR 22612 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2012-04-16

    ... Employment and Training Administration Request for Certification of Compliance--Rural Industrialization Loan... to purchase new equipment for a china plumbing fixtures and bathroom accessories manufacturing... not a toll-free number). SUPPLEMENTARY INFORMATION: Section 188 of the Consolidated Farm and Rural...

  14. 76 FR 72980 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-11-28

    .../Location: Jekyll Island Ocean Front Hotel Principal Product/Purpose: The loan, guarantee, or grant application is to construct a new full service hotel, which will be located in Jekyll Island, Georgia. The NAICS industry code for this enterprise is: 721110 (hotels and motels). DATES: All interested parties...

  15. 45 CFR 402.23 - Repayment.

    Science.gov (United States)

    2010-10-01

    ... FAMILIES, DEPARTMENT OF HEALTH AND HUMAN SERVICES STATE LEGALIZATION IMPACT ASSISTANCE GRANTS... of the State's grant. If a State refuses to repay such amounts, the Department may offset the amount...

  16. An empirical study to measure the impact of loan assignment for job creation and entrepreneurship programs

    Directory of Open Access Journals (Sweden)

    Abolfazl Danaei

    2012-10-01

    Full Text Available One of the primary concerns of many governmental agencies is to create job and working opportunities. The job creation is often promoted by loans devoted from the banks. This paper performs an empirical study to measure the relative efficiency of job creation from year 2002 to 2010 in different cities including Semnan, Dameghan, Shahrood, Garmsar and Mahdishahr located in west region of Iran. The proposed model of this paper uses data envelopment analysis where there are two inputs including the granted loans to private sector and the job applicants and two outputs including the assigned to work and the number of jobs created. The results indicate that the city of Garmsar represents the highest efficiency and Damghan maintains the lowest efficiency.

  17. 7 CFR 1735.47 - Rescissions of loans.

    Science.gov (United States)

    2010-01-01

    ... need for those purposes. (c) RUS shall not initiate the rescission of a loan unless all of the purposes... 7 Agriculture 11 2010-01-01 2010-01-01 false Rescissions of loans. 1735.47 Section 1735.47... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Terms of Loans...

  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. 7 CFR 1783.15 - What are the terms of RFP loans?

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false What are the terms of RFP loans? 1783.15 Section 1783... FUND PROGRAM) Revolving Fund Program Loans § 1783.15 What are the terms of RFP loans? (a) RFP loans... RFP loan terms in written documentation signed by the loan recipient. (c) Grant recipients must...

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

    Science.gov (United States)

    Bozhalkina, Yana

    2017-12-01

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

  1. 75 FR 20043 - Biorefinery Assistance Guaranteed Loans

    Science.gov (United States)

    2010-04-16

    .... Department of Agriculture, is proposing a guaranteed loan program for biorefineries. The proposed rule will establish guaranteed loan regulations for the development and construction of commercial-scale biorefineries..., Intergovernmental Review of Federal Programs Rural Development guaranteed loans are subject to the Provisions of...

  2. Nursing Student Loan Debt: A Secondary Analysis of the National Student Nurses' Association Annual Survey of New Graduates.

    Science.gov (United States)

    Feeg, Veronica D; Mancino, Diane J

    2014-01-01

    The purpose of this study is to describe nursing student loan debt and financial choices from a secondary analysis of the National Student Nurses Association Annual New Graduate Survey. The findings in the secondary analysis show loan debt incurred by nursing students comparable to loan debt reported recently for all new college graduates in general. However, comparing types of programs and types of schools yielded clear variations. More than one-third of new graduates who reported having loans to repay were unemployed; more than one-quarter of those who worked part-time and one-quarter of those who worked full-time to finance their education were unemployed; and almost one-third of students whose parents had paid for their education were unemployed. New graduates from for-profit schools were more likely to report they had accumulated high debt to pay for school than all new graduates combined. Nursing students enter the job market with substantial financial debt that may impact their future. Educators and policymakers need to address these growing concerns to sustain a healthy supply of nurses.

  3. The association between an electric pump loan program and the timing of requests for formula by working mothers in WIC.

    Science.gov (United States)

    Meehan, Karen; Harrison, Gail G; Afifi, Abdelmonem A; Nickel, Nathan; Jenks, Eloise; Ramirez, Anthony

    2008-05-01

    An electric pump loan program designed to facilitate breastfeeding for low-income mothers returning to full-time work was evaluated. All mothers were WIC participants in the Los Angeles area. Electric pump loans were made until the infant's first birthday or until the mother requested formula from WIC. Information was provided to employers on supporting breastfeeding in the workplace. A subsample of mothers who received an electric pump on return to full-time work was compared with counterparts in a wait list control group. Mothers who received an electric pump as soon as requested did not request formula until 8.8 months on average, whereas those who did not receive an electric pump requested formula on average at 4.8 months (P Mothers who received an electric pump when requested were 5.5 (95% CI 2.0-15.1) times as likely as mothers who did not receive an electric pump to not request formula at 6 months.

  4. 13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate will my... Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and what are the repayment terms? (a) SBA will announce interest rates with each disaster declaration. If...

  5. A Microfinance Program Targeting People Living with HIV in Uganda: Client Characteristics and Program Impact.

    Science.gov (United States)

    Linnemayr, Sebastian; Buzaalirwa, Lydia; Balya, James; Wagner, Glenn

    HIV has disproportionately affected economically vulnerable populations. HIV medical care, including antiretroviral therapy, successfully restores physical health but can be insufficient to achieve social and economic health. It may therefore be necessary to offer innovative economic support programs such as providing business training and microcredit tailored to people living with HIV/AIDS. However, microfinance institutions have shown reluctance to reach out to HIV-infected individuals, resulting in nongovernment and HIV care organizations providing these services. The authors investigate the baseline characteristics of a sample of medically stable clients in HIV care who are eligible for microcredit loans and evaluate their business and financial needs; the authors also analyze their repayment pattern and how their socioeconomic status changes after receipt of the program. The authors find that there is a significant unmet need for business capital for the sample under investigation, pointing toward the potentially beneficial role of providing microfinance and business training for clients in HIV care. HIV clients participating in the loans show high rates of repayment, and significant increases in (disposable) income, as well as profits and savings. The authors therefore encourage other HIV care providers to consider providing their clients with such loans.

  6. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

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

  7. 34 CFR 682.405 - Loan rehabilitation agreement.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan rehabilitation agreement. 682.405 Section 682.405... Federal Family Education Loan Programs by a Guaranty Agency § 682.405 Loan rehabilitation agreement. (a) General. (1) A guaranty agency that has a basic program agreement must enter into a loan rehabilitation...

  8. 13 CFR 120.921 - Terms of Third Party loans.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Terms of Third Party loans. 120... Development Company Loan Program (504) Third Party Loans § 120.921 Terms of Third Party loans. (a) Maturity. A Third Party Loan must have a term of at least 7 years when the 504 loan is for a term of 10 years and 10...

  9. 13 CFR 120.396 - What is the term of the loan?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the term of the loan? 120.396 Section 120.396 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Builders Loan Program § 120.396 What is the term of the loan? The loan must not...

  10. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... pay all filing, recording, notary, lien search, and any other fees necessary to process and close a... member or business associate with the applicant; and (viii) Act promptly to provide required services. (e...

  11. 12 CFR 621.8 - Application of payments and income recognition on nonaccrual loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Application of payments and income recognition on nonaccrual loans. 621.8 Section 621.8 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT... established that reasonably demonstrates future repayment capacity. (c) The institution shall employ the...

  12. Collective strategic defaults: Bailouts and repayment incentives

    NARCIS (Netherlands)

    Vlahu, R.

    2008-01-01

    This paper shows that under a global games approach banks may be subject to risk of failure even when fundamentals are strong due to a coordination problem among debtors. As a result of collective strategic default a financially sound firm may claim inability to repay if it expects a sufficient

  13. Repayment performance of microfinance institutions participants in ...

    African Journals Online (AJOL)

    The paper examined repayment performance of microfinance institutions (MFIs) participants in fishing enterprise activity in Niger Delta, Nigeria. Data were collected with the aid of a structured questionnaire administered on the respondents involved in the study who 252 in number. Data collected were analyzed using ...

  14. College Student Debt and Anticipated Repayment Difficulty

    Science.gov (United States)

    Fox, Jonathan J.; Bartholomae, Suzanne; Letkiewicz, Jodi C.; Montalto, Catherine P.

    2017-01-01

    This study analyzes factors associated with anticipated difficulty with repayment of debt accumulated during college using a basic model of credit risk that includes socialization processes influencing college student financial decisions. The empirical analysis uses data from the 2010 Ohio Student Financial Wellness Study. Results provide evidence…

  15. 7 CFR 4280.25 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.25 Revolving Loan Fund Plan. Each REDG Intermediary must adopt a Rural Development... 7 Agriculture 15 2010-01-01 2010-01-01 false Revolving Loan Fund Plan. 4280.25 Section 4280.25...

  16. 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…

  17. 7 CFR 3565.208 - Maximum loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Maximum loan term. 3565.208 Section 3565.208... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.208 Maximum loan term. (a) Statutory term limit. The lender may set the term of the loan, but in no instance may the term of a...

  18. 38 CFR 17.805 - Additional terms of loans.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Additional terms of loans... Transitional Housing Loan Program § 17.805 Additional terms of loans. In the operation of each residence established with the assistance of the loan, the recipient must agree to the following: (a) The use of alcohol...

  19. 76 FR 57681 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2011-09-16

    ... Interlibrary Loan Fee Schedule AGENCY: Agricultural Research Service, USDA. ACTION: Proposed rule. SUMMARY: The Agricultural Research Service proposes to amend its regulations on the fee schedule for interlibrary loan from... debit/credit program for interlibrary loan) rather than type of material requested (loan, photocopy...

  20. Practical Problems of Giving Opinions by Regional Chambers of Accounting on the Possibility of Repayment of Obligations in Local Government Units

    Directory of Open Access Journals (Sweden)

    Marcin Tyniewicki

    2014-06-01

    Full Text Available Opinions of the regional accounting chambers on the possibility of repayment of the credit, loan or redemption of the securities by local government units have some specific features compared with the other opinions concerning the financial management of the local government. Firstly, they are only issued at the request of the unit that they concerned. Secondly, for the reason they relate to public debt issues, to some extent their content may be similar or “partial reproduction” of the standpoint of the regional chamber of accounting within already issued opinions referring to acts on budgetary planning process in local government units. The purpose of this article is to assess the legitimacy of issuing such opinions and to identify the relationship between the ordinances (resolutions on the possibility of repayment of the credit, loan or redemption of the securities and provisions of local government budget.

  1. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ... Invincibles, and Ms. Maureen Thompson (alternate), The Hastings Group, LLC. Ms. Margaret Rodriguez, Senior... in the FFEL Program: The proposed regulations would clarify the burden of proof that must be met by...

  2. Collective strategic defaults: Bailouts and repayment incentives

    OpenAIRE

    Vlahu, R.

    2008-01-01

    This paper shows that under a global games approach banks may be subject to risk of failure even when fundamentals are strong due to a coordination problem among debtors. As a result of collective strategic default a financially sound firm may claim inability to repay if it expects a sufficient number of other firms to do so as well, thus reducing bank's enforcement ability. This occurs in particular when financial environment is characterized by inadequate bankruptcy laws and poor quality of...

  3. Analysis On The Causes Of Nonperforming Loan At Bank Xyz Manado

    OpenAIRE

    Saliem, Stenly C.

    2013-01-01

    Bank works to bridge both people who have excess funds with the people who need funds. In practice not all of the funds raised from the public may be channeled properly to the public and usually have problems in terms of loan repayments to the bank and almost all banks in Indonesia experiencing nonperforming loan. This study is to know the factors that cause nonperforming loan at Bank XYZ Manado using qualitative method. The samples of respondent are 6 peoples who are the credit analyst at Ba...

  4. 78 FR 8444 - Energy Efficiency and Conservation Loan Program Programmatic Environmental Assessment

    Science.gov (United States)

    2013-02-06

    ... of the EE program would not significantly affect the human or natural environment. ] However, to... footprint of existing structures, or (2) not restricted to the footprint of existing structures, but a... activity is: (1) Restricted to the footprint of the existing structures or area of previous disturbance, or...

  5. 34 CFR 674.33 - Repayment.

    Science.gov (United States)

    2010-07-01

    ... not exceed three years. (3) The terms of forbearance must be agreed upon, in writing, by the borrower... should qualify for the forbearance due to poor health or for other acceptable reasons; or (iii) The... NDSL or Federal Perkins Loan, a borrower must submit to the holder of the loan a written request and...

  6. You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment

    OpenAIRE

    Bryan, Gharad; Karlan, Dean; Zinman, Jonathan

    2012-01-01

    We examine a randomized trial that allows separate identification of peer screening and enforcement of credit contracts. A South African microlender offered half its clients a bonus for referring a friend who repaid a loan. For the remaining clients, the bonus was conditional on loan approval. After approval, the repayment incentive was removed from half the referrers in the first group and added for half those in the second. We find large enforcement effects, a $12 (100 Rand) incentive reduc...

  7. 77 FR 68106 - Second Fishing Capacity Reduction Program for the Longline Catcher Processor Subsector of the...

    Science.gov (United States)

    2012-11-15

    ... Administration (NOAA), Department of Commerce. ACTION: Notice of reduction payment tender and industry fee... loan repayment fees of $2,700,000 which post-reduction harvesters will repay over a 30-year period. Accordingly, NMFS is preparing to tender a reduction payment to the accepted bidder and implement an industry...

  8. 13 CFR 123.410 - Which loan requests will SBA fund?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Which loan requests will SBA fund... PROGRAM Pre-Disaster Mitigation Loans § 123.410 Which loan requests will SBA fund? SBA will date stamp each application (loan request) as it is received. SBA will fund loan requests which meet the selection...

  9. Are Debt Repayment Incentives Undermined by Foreign Aid?

    DEFF Research Database (Denmark)

    Bjørnskov, Christian; Schröder, Philipp J.H.

    This paper investigates the effects of inflows of foreign aid on the debt repayment behaviour of developing countries. The paper first delineates the overall incentives to committing to timely repayment in a war of attrition-type model. A set of panel estimates including 93 developing countries...

  10. Are Debt Repayment Incentives Undermined by Foreign Aid?

    DEFF Research Database (Denmark)

    Bjørnskov, Christian; Schröder, Philipp

    2013-01-01

    This paper investigates the effects of inflows of foreign aid on the debt repayment behavior of developing countries. The paper first delineates the overall incentives to committing to timely debt repayment in a war of attrition-type model. A set of panel estimates including 93 developing countries...

  11. 5 CFR 179.306 - Written agreement for repayment.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Written agreement for repayment. 179.306 Section 179.306 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS CLAIMS COLLECTION STANDARDS Administrative Offset § 179.306 Written agreement for repayment. A debtor who admits...

  12. 42 CFR 62.27 - What will happen if an individual does not comply with the terms and conditions of participation...

    Science.gov (United States)

    2010-10-01

    ... with the terms and conditions of participation in the Loan Repayment Program? 62.27 Section 62.27..., TRAINING NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP AND LOAN REPAYMENT PROGRAMS National Health Service Corps Loan Repayment Program § 62.27 What will happen if an individual does not comply with the terms...

  13. 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...

  14. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    Enhancing Cooperative Loan Scheme Through Automated Loan Management System. ... Financial transactions through manual system of operation are prone to errors and unimagined complexities, making it so difficult a task maintaining all entries of users account, search records of activities, handle loan deduction errors ...

  15. 7 CFR 772.10 - Transfer and assumption-AMP loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Transfer and assumption-AMP loans. 772.10 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.10 Transfer and assumption—AMP loans. (a) Eligibility. The Agency may approve transfers and assumptions of AMP loans when: (1) The...

  16. 7 CFR 3565.55 - Participation loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Participation loans. 3565.55 Section 3565.55 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Guarantee Requirements § 3565.55 Participation loans...

  17. FINANCIAL BEHAVIOR OF POPULATION ON LOAN FOR HOUSING - A STATISTICAL APPROACH

    Directory of Open Access Journals (Sweden)

    Ana-Gabriela Babucea

    2009-11-01

    Full Text Available The economic crisis has stopped the Romanians consumerism momentum. The perspective of job loss, changes in exchange rate or the inflation made many people to be extremely cautious when contract a loan for fear they can not repay it. In this paper we intend a retrospective analysis of housing credit growth to the population and build a multifactorial regression model with regard to factors influence the economic crisis.

  18. 7 CFR 1703.140 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Use of loan funds. 1703.140 Section 1703.140 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.140 Use of loan funds. A...

  19. 7 CFR 1735.70 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... policies and requirements. (b) RUS will finance an acquisition by a borrower only when the acquisition is... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Acquisitions... telephone organizations. After a merger or consolidation, RUS will consider making loans to the telephone...

  20. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Special EM loan training. 1945.35 Section 1945.35...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... process EM loans without undue delay. The training meeting will last two days (16 hours) and include a...

  1. 7 CFR 1945.20 - Making EM loans available.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Making EM loans available. 1945.20 Section 1945.20...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.20 Making EM loans available. EM loans will be made available to applicants having qualifying severe physical and/or production...

  2. 13 CFR 120.1830 - What are the terms and conditions of an SBA loan to an SISMBD?

    Science.gov (United States)

    2010-01-01

    ... Market Broker-Dealers (SISMBD Loan Program) § 120.1830 What are the terms and conditions of an SBA loan... disburse funds under the SISMBD Loan. Substitution of collateral during the term of the loan generally will... term of the SISMBD Loan. (g) Default. If for any reason an SISMBD is unable to make payment to SBA when...

  3. 7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.23 Requirements for lending from Revolving Loan Fund...

  4. 13 CFR 120.1860 - How will the SISMBD Loan be disbursed?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How will the SISMBD Loan be...-Dealers (SISMBD Loan Program) § 120.1860 How will the SISMBD Loan be disbursed? (a) Loan proceeds will be... other Collateral required by SBA and verification of the required first lien position. SBA will advance...

  5. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Special terms: loans to less than half-time student... (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.32 Special terms: loans to less than half-time student borrowers. (a) The promissory note...

  6. 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...

  7. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan (Direct... of Collection: William D. Ford Federal Direct Loan (Direct Loan) Program Federal Direct PLUS Loan...

  8. 13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

  9. 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…

  10. 36 CFR 1201.19 - How can I resolve my debt through voluntary repayment?

    Science.gov (United States)

    2010-07-01

    ... a request to enter into a voluntary repayment agreement in accordance with the FCCS. The Archivist... within the Archivist's discretion to accept a repayment agreement instead of proceeding with other... repayment agreement will be binding on NARA unless it is in writing and signed by both you and the Archivist...

  11. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

    ... Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan Program... of Collection: William D. Ford Federal Direct Loan Program (DL) Regulations. OMB Control Number: 1845... Annual Burden Hours: 535,998. Abstract: The William D. Ford Federal Direct Loan Program regulations cover...

  12. Kosovo farmers demand for agricultural loans

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Jehona Shkodra

    2016-07-01

    Full Text Available Funding is essential issue for the development of a business, but how the funding will be covered is the issue selected by the financial situation of entrepreneurs. One of the forms of financing is also agricultural loan, but, how is the demand of farmers for these loans and what size of farms request more loans are questions which we will explain in this paper realized by interviews of 250 farmers in five regions of Kosovo (Pristina, Gjilani, Mitrovica, Peja and Prizren during period of March - September 2013. Data will be processed in SPSS 16.0 program through the production function Cobb - Douglas, regression method - Ordinary Least Square.

  13. 76 FR 8334 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2011

    Science.gov (United States)

    2011-02-14

    ... these programs, to allow applicants sufficient time to leverage financing, submit applications, and give.... Assistance provided to rural areas, as defined, under this program may include business startup costs...

  14. 13 CFR 123.20 - How long do I have to request an increase in the amount of a physical disaster loan or an...

    Science.gov (United States)

    2010-01-01

    ... loan? You should request a loan increase as soon as possible after you discover the need for the... increase in the amount of a physical disaster loan or an economic injury loan? 123.20 Section 123.20 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.20 How...

  15. Analysis of borrowing and repayment of credit among livestock ...

    African Journals Online (AJOL)

    This study examined borrowing and repayment of credit among livestock farmers in Cross River State, Nigeria. Data for the study was obtained from the Bank of Agriculture (BOA), Calabar. Descriptive statistics such as percentage count, mean and tables were employed in the analysis. It was discovered that BOA in ...

  16. Determinants of Demand for and Repayment of Farm Credit in ...

    African Journals Online (AJOL)

    This study examines the determinants of farmers' participation in farm credit market in Tanzania. Both neoclassical economics and new institutional economics perspectives were applied in the current study to analyze determinants of demand for- and repayment of farm credit for Tanzania respectively. Data were collected ...

  17. 34 CFR 535.52 - What is the repayment schedule?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What is the repayment schedule? 535.52 Section 535.52 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION: GRADUATE FELLOWSHIP...

  18. 77 FR 27467 - Proposed Information Collection; Request for Public Comment: Indian Health Service Loan Repayment...

    Science.gov (United States)

    2012-05-10

    ... and Alaska Native individuals. The information collected via the on-line application from individuals... be awarded each fiscal year. The administrative scoring system assigns a score to the geographic... Application 510 1 1.5 765 There are no Capital Costs, Operating Costs, and/or Maintenance Costs to report...

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

    Science.gov (United States)

    2010-10-01

    ... agreement with the Secretary to serve as a full-time registered nurse for a period of not less than 2 years... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT... health facility determined by the Secretary to have a critical shortage of nurses, will have a portion of...

  20. 7 CFR 1980.420 - Loan guarantee limits.

    Science.gov (United States)

    2010-01-01

    ...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.420 Loan guarantee... factors involved, including but not limited to: (1) Borrower's management. The borrower's management, and when appropriate, equity capital, history of operation, marketing plan, raw material requirements, and...

  1. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Residential real estate loans, small business... OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small farm loans. (a) Residential real estate, small business, and small farm loans. (1) In addition to the...

  2. 78 FR 38006 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2013

    Science.gov (United States)

    2013-06-25

    ... for employment on the bases of race, color, national origin, age, disability, sex, gender identity... deaf, hard of hearing or have speech disabilities and you wish to file either an EEO or program...

  3. 34 CFR 685.300 - Agreements between an eligible school and the Secretary for participation in the Direct Loan...

    Science.gov (United States)

    2010-07-01

    ... for an academic year. For purposes of estimating need, a Direct Unsubsidized Loan, a Direct PLUS Loan...; and (iii) Concerning student eligibility and need, for the alternative origination of loans to... for participation in the Direct Loan Program. 685.300 Section 685.300 Education Regulations of the...

  4. 13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

    Science.gov (United States)

    2010-01-01

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

  5. 77 FR 12792 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2012

    Science.gov (United States)

    2012-03-02

    ... the Uniform Act; Restrictions on Lobbying, AD 1049, ``Certification Regarding Drug-Free Workplace.... Nondiscrimination Statement: ``The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable...

  6. Kansas Interlibrary Loan Study.

    Science.gov (United States)

    Kansas State Library, Topeka.

    This study was made to investigate new dimensions for a statewide interlibrary loan service and the means for financing an interlibrary loan service for Kansas public Libraries in fiscal year 1972. Some new dimensions considered worthy of investigation were: (1) inclusion of some system library headquarters as suppliers to a state interlibrary…

  7. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... This makes it user-friendly and highly interactive. The Object Modeling. Technique (OMT) is adopted for the analysis and design of the Loan Software. Interactions with operators and stakeholders and thorough observation of records of activities/events of time, aided the gathering of the required information.

  8. EVALUASI PROGRAM PENGENTASAN KEMISKINAN (Studi Kasus Pemberdayaan Ekonomi pada Program Nasional Pemberdayaan Masyarakat (PNPM Mandiri Perkotaan di Kelurahan Perwira Kecamatan Bekasi Utara Kota Bekasi Jawa Barat

    Directory of Open Access Journals (Sweden)

    Ari Saptono

    2013-08-01

    Full Text Available This research is to evaluate the process of economy empowerment on PNPM Mandiri Perkotaan in Officer North Bekasi with targeted research that examines the implementation of economic development programs related to community participation, community capacity building, as well as assessing the degree of empowerment community. Model of evaluation which is used in this research is CIPP evaluation. In general, this evaluation model consists of four evaluation objectives, namely: Context Evaluation, Input Evaluation, Process Evaluation, Product evaluation. Research results showed: there is no standard criteria or indicators to determine the receivers of loan; achievement rate in providing infrastructure BKM is 42.85%, it’s in moderate category; staffing is in accordance with the procedures set out in the guidelines; public institutions is fully established. People's understanding of revolving loans varies. Public participation has achieve minimum target of 40%. The quantity of training which can improve skill must be increased since skills owned by the members are expected can increase family income through home businesses. Perwira District has not develop partnership yet with external party such as: bank, corporate, and higher education institution. This economy empowerment program has satisfactory result, indicated by: 93% of repayment rate, 2,63% of loans at risk , 211,36% cost coverage ratio, and 6,54% return on investment.

  9. Loans for Learning. Briefing Note

    Science.gov (United States)

    Cedefop - European Centre for the Development of Vocational Training, 2011

    2011-01-01

    A good loan scheme must balance costs with coverage. If loans are too expensive then people will not borrow. Governments are not banks, but they provide or support loans for many things, including education and training. Governments too need to get the balance right. Cedefop surveyed 35 education and training loan schemes in Europe, examining…

  10. 7 CFR 1703.109 - Grant and loan administration.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Grant and loan administration. 1703.109 Section 1703.109 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General...

  11. 7 CFR 1703.106 - Disbursement of loans and grants.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Disbursement of loans and grants. 1703.106 Section 1703.106 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General...

  12. 7 CFR 1703.111 - Grant and loan termination.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Grant and loan termination. 1703.111 Section 1703.111 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General § 1703.111...

  13. 77 FR 3379 - Biorefinery Assistance Guaranteed Loans; Correction

    Science.gov (United States)

    2012-01-24

    ... Subjects in 7 CFR Part 4279 Biorefinery assistance, Loan programs--Business and industry, Rural development... 3379-3380] [FR Doc No: 2012-1149] DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Rural Utilities Service 7 CFR Part 4279 Biorefinery Assistance Guaranteed Loans; Correction AGENCY: Rural Business...

  14. 7 CFR 1703.142 - Nonapproved purposes for loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Nonapproved purposes for loans. 1703.142 Section 1703.142 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.142...

  15. Public Service Loan Forgiveness. NASFAA Task Force Report

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

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

  16. 77 FR 43149 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-07-24

    ... CFR Part 1777 RIN 0572-AC26 Water and Waste Disposal Loans and Grants AGENCY: Rural Utilities Service... related to the Section 306C Water and Waste Disposal (WWD) Loans and Grants Program, which provides water... additional priority points to the colonias that lack access to water or waste disposal systems and face...

  17. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

    ...; ] DEPARTMENT OF AGRICULTURE Rural Utilities Service 7 CFR 1777 RIN 0572-AC26 Water and Waste Disposal Loans and... (RUS) proposes to amend the regulations pertaining to the Section 306C Water and Waste Disposal (WWD) Loans and Grants program, which provides water and waste disposal facilities and services to low-income...

  18. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7... applicable, a loan term when submitting the loan application and total cost estimates. (1) For a loan with...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 7 CFR 4280.26 - Administration and operation of the Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Administration and operation of the Revolving Loan...) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.26 Administration and operation of the...

  10. 7 CFR 3560.505 - Agency loans to finance purchases of REO properties.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Agency loans to finance purchases of REO properties... Disposition of Real Estate Owned (REO) Properties § 3560.505 Agency loans to finance purchases of REO properties. (a) Agency loans to finance the purchase of REO property designated to be sold as program...

  11. 7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

    Science.gov (United States)

    2010-01-01

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

  12. 77 FR 27015 - Announcement of Grant and Loan Application Deadlines and Funding Levels

    Science.gov (United States)

    2012-05-08

    ... need loan funds. Quantify the number of prospective borrowers or provide statistical or narrative... Rural Utilities Service Announcement of Grant and Loan Application Deadlines and Funding Levels AGENCY... establish a lending program for eligible entities. Eligible entities for the revolving loan fund will be the...

  13. 34 CFR 682.301 - Eligibility of borrowers for interest benefits on Stafford and Consolidation loans.

    Science.gov (United States)

    2010-07-01

    ... benefits on a Stafford loan, a borrower must demonstrate financial need in accordance with Part F of the... Stafford and Consolidation loans. 682.301 Section 682.301 Education Regulations of the Offices of the... EDUCATION LOAN (FFEL) PROGRAM Federal Payments of Interest and Special Allowance § 682.301 Eligibility of...

  14. 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...

  15. 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...

  16. 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…

  17. 78 FR 37946 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2013-06-25

    ... credit union loan participation programs in comparison to banks. Commenters also expressed concern that... analysis and likely overstates the number of FICUs over the aggregate limit, as many credit unions purchase... mitigation measures; Analysis of the credit union's prior experience with this type of loan; The loan...

  18. 75 FR 17930 - Privacy Act of 1974; Report of an Altered System of Records

    Science.gov (United States)

    2010-04-08

    ... Rotations in Community Health (SEARCH), Nursing Education Loan Repayment Program (NELRP), Nursing.... 297n), Nursing Education Loan Repayment and Nursing Scholarship Programs; Section 10 of the Native...), NHSC Student/Resident Experiences and Rotations in Community Health (SEARCH), Nursing Education Loan...

  19. The impact of a microfinance program on client perceptions of the quality of care provided by private sector midwives in Uganda.

    Science.gov (United States)

    Agha, Sohail; Balal, Asma; Ogojo-Okello, Francis

    2004-12-01

    To assess the impact of a microfinance program that provided business skills training and revolving loans to private sector midwives on perceived quality of services and client loyalty. A quasi-experimental study with a pretest, posttest design was used to evaluate the impact of the intervention. Exit interviews were conducted at 15 clinics that received the intervention and 7 clinics that did not. Baseline exit interviews were conducted between November and December 2000. Five days of business skills training were provided to midwives, and loans (averaging $454) were given during January and February 2001. A follow-up clinic visit was made to assess whether midwives were implementing what was emphasized during the training. The loans were to be repaid with interest within 6 to 12 months, at an interest rate that is standard within the local commercial market. For those who repaid the first set of loans (11 clinics), a second set of loans (averaging $742) was provided after June 2001. Follow-up exit interviews were conducted at the same clinics between February and March 2002. We assessed the effect of the intervention at both clinic and client levels. T-tests, the analysis of variance, and multivariate logistic regression analysis were conducted. These findings should be interpreted cautiously since secular trends were observed during the study period. The intervention was associated with improvement in clients' perceptions of the quality of care received at intervention clinics. The intervention was also associated with a higher level of client loyalty. The enthusiastic response of midwives and the high loan repayment rate indicate that midwives were very receptive to the microfinance program. Overall, these findings suggest that microfinance may have an important role in strengthening private sector health services by increasing private providers' business skills and clients' satisfaction with services.

  20. 26 CFR 31.6011(a)-3A - Returns of the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Returns of the railroad unemployment repayment... unemployment repayment tax. (a) Requirement—(1) Employers. Every rail employer (as defined in section 3323(a) and section 1 of the Railroad Unemployment Insurance Act) shall make a return of the tax imposed by...

  1. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... receive benefits from the low-income housing tax credit program must make an equity contribution in the... receive low-income housing tax credit benefits and who are comprised solely of nonprofit organizations... housing tax credit benefits, the loan amount will be limited to no more than 97 percent of the security...

  2. 76 FR 58089 - Guaranteed Loan Fees

    Science.gov (United States)

    2011-09-20

    ... direct loan program funding, which has had budget cuts over the years. Response: FSA is limited by... the cost of credit for the family farmers. FSA should find alternative ways to cut costs such as a reduction in staff. By increasing fees, FSA will be losing what presence it has with agricultural lenders...

  3. Oral Cancer Exam

    Medline Plus

    Full Text Available ... College Graduates Dental and Medical Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All Continuing Education Practical ...

  4. Oral Cancer Exam

    Medline Plus

    Full Text Available ... College Students Recent College Graduates Dental and Medical Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research ...

  5. 76 FR 58283 - Eunice Kennedy Shriver National Institute of Child Health & Human Development Notice of Closed...

    Science.gov (United States)

    2011-09-20

    ... Development Special Emphasis Panel; Transition to Fatherhood: Fatherhood Trajectories and Consequences for Men..., Center for Medical Rehabilitation Research; 93.209, Contraception and Infertility Loan Repayment Program...

  6. Determinants of agricultural micro-credit repayment-evidence from ...

    African Journals Online (AJOL)

    without prejudice to the existing revolving loan mechanism) such as the pension contributions, with the view to enhancing the resource base of the bank and its ability to effectively support beneficiaries while guaranteeing its own sustainability.

  7. Does faster loan growth lead to higher loan losses?

    OpenAIRE

    William R. Keeton

    1999-01-01

    During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce loan rates and ease credit standards to obtain new business. Others argue that as the economic expansion has continued and memories of past loan losses have faded, banks have become more willing to ta...

  8. A Study of Interlibrary Loan

    Science.gov (United States)

    Stevens, Rolland E.

    1974-01-01

    From an examination of the data in several recent studies of interlibrary loans, an estimate of the present volume and general statements about interlibrary loan for all types of libraries in the United States are made. (Author/PF)

  9. Interlibrary Loan Codes and Guidelines.

    Science.gov (United States)

    RQ, 1980

    1980-01-01

    Presents a model interlibrary loan policy for regional, state, local, and other special groups of libraries; the 1980 national interlibrary loan code; and the 1978 procedural guidelines for international lending. (FM)

  10. 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 ...

  11. 77 FR 42265 - Notice of Funding Availability: Section 515 Multi-Family Housing Preservation Revolving Loan Fund...

    Science.gov (United States)

    2012-07-18

    ... by Rural Development through its MFH loan program under Sections 515, 514, and 516 of the Housing Act..., Finance and Loan Analyst, Multi-Family Housing, U.S. Department of Agriculture, Rural Housing Service... provided funding for, and authorized Rural Development to conduct a revolving loan fund demonstration...

  12. 32 CFR 268.7 - Collecting and reporting of foreign debts under long-term loans and debts.

    Science.gov (United States)

    2010-07-01

    ... long-term loans and debts. 268.7 Section 268.7 National Defense Department of Defense (Continued... INDEBTEDNESS WITHIN THE DEPARTMENT OF DEFENSE § 268.7 Collecting and reporting of foreign debts under long-term loans and debts. The DSAA is responsible for administering FMS long-term loans and credit programs...

  13. Interlibrary loan management with microcomputers: a descriptive comparison of software.

    Science.gov (United States)

    Lingle, V A; Malcom, D L

    1989-01-01

    The use of microcomputers to manage interlibrary loan processing and record keeping is examined. Once the decision is made to automate, criteria for product evaluation needs to be established. Various software options are discussed which range from using dedicated interlibrary loan management software to the development of database management programs which require original template design. Descriptive profiles and sample input screens of a number of software packages are presented.

  14. MEDICAL INTERLIBRARY LOAN PATTERNS.

    Science.gov (United States)

    HYMAN, R J

    1965-04-01

    During the academic year 1958/59, a survey was made of interlibrary loan requests originating at Columbia University Medical Library. A high percentage of requests came from a relatively few requesters. However, analysis based on "one-time" and "repeat" categories for the patron and his requests indicated a situation less extreme than "monopoly use by an elite group." Requests were classed by type, age, language, title, etc., and were also correlated with such variables as citation source, requester's academic status and experience, and estimated importance of material. The analysis aims to uncover patterns significant for cooperative planning. Did the repeat and one-time requester show distinctive characteristics and habits? Which materials attracted more repeat requests? Findings generally favored cooperation, at least for a library servicing nonstudent researchers. Unpredictability of researchers' needs was noted. Apart from specific findings, this paper offers methods for statistical analysis of interlibrary loans.

  15. Medical Interlibrary Loan Patterns *

    Science.gov (United States)

    Hyman, Richard J.

    1965-01-01

    During the academic year 1958/59, a survey was made of interlibrary loan requests originating at Columbia University Medical Library. A high percentage of requests came from a relatively few requesters. However, analysis based on “one-time” and “repeat” categories for the patron and his requests indicated a situation less extreme than “monopoly use by an elite group.” Requests were classed by type, age, language, title, etc., and were also correlated with such variables as citation source, requester's academic status and experience, and estimated importance of material. The analysis aims to uncover patterns significant for cooperative planning. Did the repeat and one-time requester show distinctive characteristics and habits? Which materials attracted more repeat requests? Findings generally favored cooperation, at least for a library servicing nonstudent researchers. Unpredictability of researchers' needs was noted. Apart from specific findings, this paper offers methods for statistical analysis of interlibrary loans. PMID:14271115

  16. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward the loan documents to the borrower for execution, delivery, recording, and filing, as directed by RUS. ...

  17. Sick of our loans: Student borrowing and the mental health of young adults in the United States.

    Science.gov (United States)

    Walsemann, Katrina M; Gee, Gilbert C; Gentile, Danielle

    2015-01-01

    Student loans are increasingly important and commonplace, especially among recent cohorts of young adults in the United States. These loans facilitate the acquisition of human capital in the form of education, but may also lead to stress and worries related to repayment. This study investigated two questions: 1) what is the association between the cumulative amount of student loans borrowed over the course of schooling and psychological functioning when individuals are 25-31 years old; and 2) what is the association between annual student loan borrowing and psychological functioning among currently enrolled college students? We also examined whether these relationships varied by parental wealth, college enrollment history (e.g. 2-year versus 4-year college), and educational attainment (for cumulative student loans only). We analyzed data from the National Longitudinal Survey of Youth 1997 (NLSY97), a nationally representative sample of young adults in the United States. Analyses employed multivariate linear regression and within-person fixed-effects models. Student loans were associated with poorer psychological functioning, adjusting for covariates, in both the multivariate linear regression and the within-person fixed effects models. This association varied by level of parental wealth in the multivariate linear regression models only, and did not vary by college enrollment history or educational attainment. The present findings raise novel questions for further research regarding student loan debt and the possible spillover effects on other life circumstances, such as occupational trajectories and health inequities. The study of student loans is even more timely and significant given the ongoing rise in the costs of higher education. Copyright © 2014 Elsevier Ltd. All rights reserved.

  18. INTERLIBRARY LOAN, 1952-62: TEN YEARS OF PROGRESS?

    Science.gov (United States)

    KEENAN, E L

    1964-01-01

    Although the revised General Interlibrary Loan Code of 1952 was designed to alleviate the "crisis" in interlibrary loan services existing at the time, libraries today find that they are still facing the same problems as they did in 1952, namely, excessive use of large, distant libraries for materials available locally, unverified references, stringent restrictions on the materials lent and their subsequent use, and the rising cost of operating interlibrary loan programs. A brief description of the use and abuse of interlibrary loans at the National Library of Medicine is followed by consideration of the alternatives to the concept of interlibrary loan presently under study in various regions. To relieve the current situation, it is proposed that federal funds be made available to medical and scientific libraries on the basis of the percentage of interlibrary loan transactions handled (2 percent of their total circulation figure), that present lending restrictions on materials be relaxed, that photocopying of articles in lieu of loan of the original be done to a greater extent, and that standardized procedures in handling requests be instituted.

  19. 7 CFR Appendix C to Subpart C of... - FSA-2514, Notice of Availability of Loan Servicing to Borrowers Who Are in Non-Monetary Default

    Science.gov (United States)

    2010-01-01

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

  20. 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...

  1. 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...

  2. 7 CFR 1942.7 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) ASSOCIATIONS Community Facility Loans § 1942.7 Loan closing. Loans will be closed in... Manager will take appropriate actions outlined in Rural Development Instruction 2018-D. (f) Supervised...

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

    Science.gov (United States)

    Atuahene, Francis

    2008-01-01

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

  4. 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.

  5. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... fixed-rate conforming mortgages (U.S. average), rounded to the nearest one-eighth of one percent (0.125... the nearest one-eighth of one percent (0.125%), as of the date the Modification Agreement is executed... not more than one percent higher than the existing rate on the loan; or, (iii) In the case of a loan...

  6. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-04-01

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

  7. TWX and Interlibrary Loans *

    Science.gov (United States)

    Bird, Warren

    1969-01-01

    Libraries now have available to them a variety of ways of speeding the flow of information among widely scattered locations. One of the means for the improvement of interlibrary loan service is the use of the teletypewriter, and the use of Teletypewriter Exchange Service (TWX) by medical libraries during the past three years is described. The background of library applications of teletypewriter systems is outlined, and the advantages, types of use, cost factors, and experiences of some groups are discussed, as well as the impact of the “network concept” on library service. PMID:5778722

  8. TWX and interlibrary loans.

    Science.gov (United States)

    Bird, W

    1969-04-01

    Libraries now have available to them a variety of ways of speeding the flow of information among widely scattered locations. One of the means for the improvement of interlibrary loan service is the use of the teletypewriter, and the use of Teletypewriter Exchange Service (TWX) by medical libraries during the past three years is described. The background of library applications of teletypewriter systems is outlined, and the advantages, types of use, cost factors, and experiences of some groups are discussed, as well as the impact of the "network concept" on library service.

  9. The Theory of Student Loans

    OpenAIRE

    Grigory Androuschak

    2006-01-01

    The author considers the creation of a loan system for students as one of the most important components of the modernization of the institutional structure of Russian education. The article attempts to describe such a system using modern economic theory. Particular attention is paid to the problems of creating the institution of student loans in a society with weak market institutions in general.

  10. The Selling of Student Loans

    Science.gov (United States)

    Field, Kelly

    2007-01-01

    Twenty years ago, a U.S. Senate aide walked into a bank in Maine and saw a sign that read "Take out a student loan today, get a toaster." The aide, concerned that students would be tempted to take out loans they did not need, drafted legislation barring lenders from offering "inducements" to borrow. That language was added to the Higher Education…

  11. Federal Educational Assistance Programs Available to Service Members: Program Features and Recommendations for Improved Delivery

    Science.gov (United States)

    2015-01-01

    borrowers were enrolled in school and therefore eligible to defer loan repayment and interest accrual (Dynarksi, Hemelt, and Hyman , 2013). For the...percent of private, for-profit insti- tutions (Dynarksi, Hemelt, and Hyman , 2013, pp.  32, 38).1 As mentioned at the end of Chapter Two, a substantial...enrolled, persistence rates for enrollees from one year to the next, and fields of study or majors (Dynarksi, Hemelt, and Hyman , 2013). Although some

  12. 75 FR 57866 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2010-09-23

    ... received by the seller from royalties from mineral extraction must be applied to the principal balance of the land contract being guaranteed by FSA. If the landowner receives royalties from mineral extraction... innovations, market volatility, financial environment challenging today's farmers, and recent knowledge of...

  13. Opinion and Special Articles: Loan forgiveness options for young neurologists: Current landscape and practice implications.

    Science.gov (United States)

    George, Benjamin P; Dorsey, E Ray; Grischkan, Justin A

    2017-04-11

    Increasing education debt has led to the availability of a variety of loan forgiveness options including the Department of Education's Public Service Loan Forgiveness (PSLF) program. This article discusses the current landscape of loan forgiveness options including trends in PSLF for rising neurology trainees, and implications for choices in specialization, employment, practice location, and the pursuit of an academic career. We further provide guidance on how to navigate the various loan forgiveness options that neurology residents and fellows may consider. © 2017 American Academy of Neurology.

  14. 34 CFR 674.35 - Deferment of repayment-Federal Perkins loans made before July 1, 1993.

    Science.gov (United States)

    2010-07-01

    ... give religious instruction, conduct worship service, engage in religious proselytizing, or engage in... continuous nursing or other similar services, required by a dependent who is so disabled. As used in this... other dependent of a borrower, means requiring continuous nursing or other services from the borrower...

  15. 26 CFR 31.6071(a)-1A - Time for filing returns with respect to the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Time for filing returns with respect to the railroad unemployment repayment tax. 31.6071(a)-1A Section 31.6071(a)-1A Internal Revenue INTERNAL REVENUE... filing returns with respect to the railroad unemployment repayment tax. (a) In general. Each return of...

  16. 26 CFR 31.6302(c)-2A - Use of Government depositaries in connection with the railroad unemployment repayment tax.

    Science.gov (United States)

    2010-04-01

    ... with the railroad unemployment repayment tax. 31.6302(c)-2A Section 31.6302(c)-2A Internal Revenue...) § 31.6302(c)-2A Use of Government depositaries in connection with the railroad unemployment repayment...,000,000, such employer shall (except as provided below) deposit his undeposited railroad unemployment...

  17. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan and advance limitations and obligations incurred before loan closing. 1781.7 Section 1781.7 Agriculture Regulations of the Department of Agriculture... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.7 Loan and advance limitations and...

  18. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... before purchasing the loan, there is no need to require divestiture of these loans except if the borrower...) is modified accordingly. C. Need for the Rule The ICBA comments that when loans are available for... System needs loans it should reach out to farmers who need cheap credit but do not qualify for bank loans...

  19. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

    ..., including equipment, not to exceed $500,000 per loan. (d) The storage need requirement for eligible facility... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan amount and loan application approvals. 1436.9... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN...

  20. 12 CFR 701.22 - Loan participation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loan participation. 701.22 Section 701.22 Banks... OPERATION OF FEDERAL CREDIT UNIONS § 701.22 Loan participation. (a) For purposes of this section: (1) Participation loan means a loan where one or more eligible organizations participates pursuant to a written...

  1. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

    ... 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... in which its loan is pending but not approved. (2) Ranking and approval of loans. Eligible loan...

  2. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the necessary loan documents to the borrower for execution, delivery, recording, and filing, as directed by RUS...

  3. 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. ...

  4. 24 CFR 573.4 - Loan term.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...

  5. 24 CFR 1007.35 - Loan terms.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...

  6. 12 CFR 32.6 - Nonconforming loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Nonconforming loans. 32.6 Section 32.6 Banks... Nonconforming loans. (a) A loan, within a bank's legal lending limit when made, will not be deemed a violation but will be treated as nonconforming if the loan is no longer in conformity with the bank's lending...

  7. 77 FR 54877 - Guaranteed Rural Rental Housing Low Loan-to-Cost Ratio

    Science.gov (United States)

    2012-09-06

    ...: Monica Cole, Financial and Loan Analyst, USDA Rural Development Guaranteed Rural Rental Housing Program, Multi-Family Housing Guaranteed Loan Division, U.S. Department of Agriculture, South Agriculture... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE...

  8. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Borrower eligibility for different types of loans... programs, and on grid and off grid renewable energy systems. In accordance with § 1710.110, the... grid and off grid renewable energy systems. (c) One hundred percent loan guarantees under section 306...

  9. 7 CFR 1714.5 - Determination of interest rates on municipal rate loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rates on municipal rate... General § 1714.5 Determination of interest rates on municipal rate loans. (a) RUS will post on the RUS website, Electric Program HomePage, a schedule of interest rates for municipal rate loans at the beginning...

  10. 7 CFR 3565.57 - Modification, extension, reinstatement of loan guarantee.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Modification, extension, reinstatement of loan...) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Guarantee Requirements § 3565.57 Modification, extension, reinstatement of loan guarantee. To protect its interest or...

  11. 7 CFR 1951.218 - Use of Rural Development loans and grants for other purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Use of Rural Development loans and grants for other... Servicing of Community and Direct Business Programs Loans and Grants § 1951.218 Use of Rural Development... the Consolidated Farm and Rural Development Act, as amended; and (3) Satisfies such additional...

  12. 7 CFR 4280.15 - Ultimate Recipient Projects eligible for Rural Economic Development Loan funding.

    Science.gov (United States)

    2010-01-01

    ... capital; (b) Business expansion; (c) Business Incubators; (d) Technical Assistance; (e) Project... Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.15 Ultimate Recipient...

  13. The Role of Information in the Take-up of Student Loans

    Science.gov (United States)

    Booij, Adam S.; Leuven, Edwin; Oosterbeek, Hessel

    2012-01-01

    We study student loan behavior in the Netherlands where (i) higher education students know little about the conditions of the government's financial aid program and (ii) take-up rates are low. In a field experiment we manipulated the amount of information students have about these conditions. The treatment has no impact on loan take-up, which is…

  14. Emergent Resource Sharing & Interlibrary Loan

    OpenAIRE

    Oberlander, Cyril

    2006-01-01

    Resource sharing and Interlibrary Loan face exciting opportunities to develop new connections between information and library resources and services. Emergent consumer technology is radically changing the nature of Library service; however, we can shape the transformation of resource sharing and interlibrary loan. Framing the evolution of request management systems and resource sharing workflow are communities of adaptations to the changed information and technology landscape. The redefini...

  15. 34 CFR 682.407 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Science.gov (United States)

    2010-07-01

    ... FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Administration of the Federal Family Education Loan Programs... to the crash site that was sufficiently close to the site that there was a demonstrable risk of... the death or total and permanent disability of the eligible public servant or eligible victim. (d...

  16. 7 CFR 1700.55 - Telecommunications Program.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

  17. 7 CFR 1700.54 - Electric Program.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Electric Program. 1700.54 Section 1700.54 Agriculture... GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.54 Electric Program. (a) Administrator: The... Administrator, Electric Program, has the authority to approve the following loans, loan guarantees, and lien...

  18. AHP 28: Too Much Loving-Kindness to Repay: Funeral Speeches of the Wenquan Pumi

    Directory of Open Access Journals (Sweden)

    Gerong Pincuo (kɛ́izoŋ pʰiŋtsʰu

    2013-12-01

    Full Text Available Two Pumi funeral speech rituals of the Wenquan Pumi area in northwestern Yunnan Province illustrate the traditional genre of speeches through their use of metaphor and parallellism. The speeches express the central concept of giving and repaying that plays an important role in strengthening social cohesion among Pumi relatives.

  19. 34 CFR 535.55 - What is the length of the deferment of repayment?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What is the length of the deferment of repayment? 535.55 Section 535.55 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION...

  20. 34 CFR 535.56 - Under what circumstances is repayment waived?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Under what circumstances is repayment waived? 535.56 Section 535.56 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION: GRADUATE...

  1. 34 CFR 535.54 - Under what circumstances is repayment deferred?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Under what circumstances is repayment deferred? 535.54 Section 535.54 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL EDUCATION: GRADUATE...

  2. Sex Allocation Patterns across Cooperatively Breeding Birds Do Not Support Predictions of the Repayment Hypothesis.

    Science.gov (United States)

    Khwaja, Nyil; Hatchwell, Ben J; Freckleton, Robert P; Green, Jonathan P

    2017-10-01

    The repayment hypothesis predicts that reproductive females in cooperative breeding systems overproduce the helping sex. Thanks to well-documented examples of this predicted sex ratio bias, repayment has been considered an important driver of variation in sex allocation patterns. Here we test this hypothesis using data on population brood sex ratios and facultative sex allocation from 28 cooperatively breeding bird species. We find that biased sex ratios of helpers do not correlate with production biases in brood sex ratios, contrary to predictions. We also test whether females facultatively produce the helping sex in response to a deficiency of help (i.e., when they have fewer or no helpers). Although this is observed in a few species, it is not a significant trend overall, with a mean effect size close to zero. We conclude that, surprisingly, repayment does not appear to be a widespread influence on sex ratios in cooperatively breeding birds. We discuss possible explanations for our results and encourage further examination of the repayment model.

  3. 76 FR 73674 - Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2011-11-29

    ... Bureau of Reclamation Status Report of Water Service, Repayment, and Other Water- Related Contract... region in the SUPPLEMENTARY INFORMATION section. FOR FURTHER INFORMATION CONTACT: Michelle Kelly, Water... for the delivery of project water for authorized uses in newspapers of general circulation in the...

  4. 76 FR 60527 - Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2011-09-29

    ... Bureau of Reclamation Status Report of Water Service, Repayment, and Other Water- Related Contract... region in the SUPPLEMENTARY INFORMATION section. FOR FURTHER INFORMATION CONTACT: Michelle Kelly, Water... for the delivery of project water for authorized uses in newspapers of general circulation in the...

  5. 34 CFR 535.51 - What are the requirements for repayment of the fellowship?

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false What are the requirements for repayment of the fellowship? 535.51 Section 535.51 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF BILINGUAL EDUCATION AND MINORITY LANGUAGES AFFAIRS, DEPARTMENT OF EDUCATION BILINGUAL...

  6. 38 CFR 21.222 - Release of, and repayment for, training and rehabilitation supplies.

    Science.gov (United States)

    2010-07-01

    ... for, training and rehabilitation supplies. 21.222 Section 21.222 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED) VOCATIONAL REHABILITATION AND EDUCATION Vocational Rehabilitation and Employment Under 38 U.S.C. Chapter 31 Supplies § 21.222 Release of, and repayment for...

  7. 45 CFR 2506.19 - How can I resolve my debt through voluntary repayment?

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false How can I resolve my debt through voluntary repayment? 2506.19 Section 2506.19 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS General Provisions. § 2506.19 How can I...

  8. 46 CFR 276.1 - Partial repayment-incidental domestic trading.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Partial repayment-incidental domestic trading. 276.1...—incidental domestic trading. In every instance where a vessel, with respect to which a construction..., the proportion of the difference between the domestic and foreign cost of such vessel that is required...

  9. 78 FR 6621 - Ability To Repay Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ... response to these hearings, the House of Representatives passed the Mortgage Reform and Anti-Predatory...-repay requirements, but neither bill was passed by the Senate. Instead, both houses shifted their focus... Act of 2010. S. 3217, 111th Cong. (2010). After several months of additional debate and negotiations...

  10. QuickDOC: an interlibrary loan department in a microcomputer.

    Science.gov (United States)

    Klein, P; Hewison, N S

    1991-01-01

    Interlibrary loan (ILL) is a critical service in most libraries and one that may consume much staff time. QuickDOC, a software program written by a medical librarian, has been designed to expedite and organize the process of requesting loans, keeping records, and preparing reports on ILL activity. The software communicates with DOCLINE, the automated ILL and referral system of the National Library of Medicine (NLM), and simplifies the management of all borrowing and lending, regardless of how requests are transmitted. QuickDOC's creator is very responsive to suggestions from users and continues to enhance the capabilities of this excellent software package.

  11. 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 potentia......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...

  12. A microcomputer-based, net-lending interlibrary loan system.

    Science.gov (United States)

    Yau, L; Newman, M; Gascard, M

    1989-10-01

    A microcomputer-based, net-lending interlibrary loan system was developed at Lane Medical Library, Stanford University. The system, designed to generate the monthly billing invoices and all necessary statistical reports, has reduced the time required for logging-in procedures and compilation of monthly, quarterly, and annual statistics. User menus, help screens, and choice fields were developed explicitly for library staff who have little or no computer experience. The program was written using the DataEase database management software running on IBM PC, XT, AT, or compatible with a minimum of 512K RAM. Described are features of this automated interlibrary loan management system and its use in a net-lending interlibrary loan department. It focuses on data entry in the "Library Directory" and "ILL Log Sheet," details of billing invoices, and statistical reports, and flexibility in modifying tax rates, borrowing fees, and other parameters.

  13. 7 CFR 4280.2 - Policy.

    Science.gov (United States)

    2010-01-01

    ... SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs... Intermediary. The Intermediary must transmit Ultimate Recipient loan repayments to Rural Development. (b) REDG... maintained by the Intermediary, to finance other rural economic development Projects. Only the initial loan...

  14. 42 CFR 68a.2 - Definitions.

    Science.gov (United States)

    2010-10-01

    ... with clinical privileges who is conducting approved clinical research. Commercial loans means loans... approved clinical research as an employee of the NIH. Qualified educational loans and interest/debt include... NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR INDIVIDUALS FROM...

  15. Interlibrary loan of audiovisual materials in the health sciences: how a system operates in New Jersey.

    Science.gov (United States)

    Crowley, C M

    1976-10-01

    An audiovisual loan program developed by the library of the College of Medicine and Dentistry of New Jersey is described. This program, supported by an NLM grant, has circulated audiovisual software from CMDNJ to libraries since 1974. Project experiences and statistics reflect the great demand for audiovisuals by health science libraries and demonstrate that a borrowing system following the pattern of traditional interlibrary loan can operate effectively and efficiently to serve these needs.

  16. 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...

  17. Interlibrary Loan Cost Study and Comparison.

    Science.gov (United States)

    Herstand, Jo Ellen

    1981-01-01

    Details how a manual, nonautomated adaptation of Vernon E. Palmour's study on interlibrary loan costs, characteristics, and magnitude was designed and implemented to show interlibrary loan costs at the University of Oklahoma. Five references are cited. (FM)

  18. ILLiad: Customer-Focused Interlibrary Loan Automation.

    Science.gov (United States)

    Kriz, Harry M.; Glover, M. Jason; Ford, Kevin C.

    1998-01-01

    Describes ILLiad (Interlibrary Loan Internet Accessible Database), software that examines the current state of interlibrary loan borrowing requests at Virginia Polytechnic Institute and State University. Topics include system requirements, user procedures, staff procedures, copyright clearance, OCLC, and future developments. (LRW)

  19. 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

  20. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

    ... loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... terms. (a) A manufactured home loan may be guaranteed if the loan is for one of the following purposes... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...

  1. 13 CFR 302.3 - Project servicing for loans, loan guaranties and Investment Assistance.

    Science.gov (United States)

    2010-01-01

    ... ADMINISTRATION, DEPARTMENT OF COMMERCE GENERAL TERMS AND CONDITIONS FOR INVESTMENT ASSISTANCE § 302.3 Project servicing for loans, loan guaranties and Investment Assistance. EDA will provide Project servicing to... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Project servicing for loans, loan...

  2. 10 CFR 800.202 - Loan terms and conditions.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Loan terms and conditions. 800.202 Section 800.202 Energy... CONTRACTS AND ASSISTANCE Loans § 800.202 Loan terms and conditions. (a) The loan shall be based upon a loan... authorization necessary for the continued operation of the business throughout the term of the loan. (9) The...

  3. 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...

  4. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ...-provided loan, the Secretary normally will place primary emphasis on similarities in the structure of the... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of...-term loans. The Secretary will allocate (expense) the benefit from a short-term loan to the year(s) in...

  5. 7 CFR 1781.22 - Subsequent loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Subsequent loans. 1781.22 Section 1781.22 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.22...

  6. 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...

  7. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

    ...) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... the loan rate per pound of raw cane sugar for each of the crop years 2009 through 2012. (c) Loan rates... to raw cane sugar or beet sugar on the basis of the expected production of raw sugar or beet sugar...

  8. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

    ... acknowledges that some FCUs may choose not to offer PAL loans because their members do not need them. Further... to making PAL loans a more widespread product for those members who need them and making it is easier... PAL loan application. FCUs would still need to accurately account for their costs in determining a...

  9. 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...

  10. 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…

  11. 7 CFR 4280.36 - Other laws that contain compliance requirements for these Programs.

    Science.gov (United States)

    2010-01-01

    ... (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.36 Other laws that contain... applicable to these Programs and to the loans made from the Revolving Loan Fund using Rural Development funds...

  12. Scanning Productivity in Interlibrary Loan

    Science.gov (United States)

    Pedersen, Wayne A.; Runestad, Anders

    2009-01-01

    The authors report findings of a research study conducted at the Iowa State University Library. Data was gathered on the scanning of library materials by students working in the Interlibrary Loan (ILL) unit. The goals of the study were fourfold: (1) Develop measures of scanning productivity in ILL, (2) Determine if it is more productive to scan…

  13. 75 FR 62439 - The Entire United States and U.S. Territories; Military Reservist Economic Injury Disaster Loan

    Science.gov (United States)

    2010-10-08

    ... result of Public Law 106-50, the Veterans Entrepreneurship and Small Business Development Act of 1999...-00006] The Entire United States and U.S. Territories; Military Reservist Economic Injury Disaster Loan... Reservist Economic Injury Disaster Loan. Program (MREIDL), dated 10/01/2010. DATES: Effective Date: 10/01...

  14. 77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-09-24

    ... Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan Program General Forbearance Request SUMMARY: Borrowers who receive loans through the William D. Ford Federal... to this notice will be considered public records. Title of Collection: William D. Ford Federal Direct...

  15. Does the group leader matter? The impact of monitoring activities and social ties of group leaders on the repayment performance of groupbased lending Eritrea

    OpenAIRE

    Hermes, Niels; Lensink, Robert; Mehrteab, Habteab T.

    2005-01-01

    This paper analyzes whether the effects of monitoring and social ties of the group leader and other group members on repayment performance of groups differ, using data from an extensive questionnaire held in Eritrea among participants of 102 groups. We hypothesize that the monitoring activities and social ties of the group leader have a stronger positive impact on the repayment performance of groups. The results show that social ties of the group leader do have a positive effect on repayment ...

  16. 7 CFR 1494.301 - Information required for program participation.

    Science.gov (United States)

    2010-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS EXPORT BONUS PROGRAMS Export Enhancement Program Operations § 1494.301 Information required for program participation...

  17. 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

  18. Arkansas' Anemometer Loan Program

    Energy Technology Data Exchange (ETDEWEB)

    Fernando Vego

    2012-10-11

    The measurement campaign had one year duration from 04/01/2011 to 03/31/2012 and was taken at 20m and 34m with NRG instrumentation. The data was analyzed weekly to check inconsistencies and validity and processed using Excel, Flexpro and Windographer standard Edition Version 2.04. The site analyzed is located in the Waldron, Arkansas in Scott County. It is an open site for most of the direction sectors with immediate roughness class of 1.5. It has seasonally directional winds, of which the most energetic come from the southern direction. The vertical wind profile shows moderate wind shear that varies by season as well.

  19. 77 FR 38015 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2012-06-26

    ... inspection during regular work hours at the 300 7th Street SW., 7th Floor, address listed above. FOR FURTHER... community facility such as childcare, educational, or health care facilities are also eligible. * * * * * 3.... * * * * * (j) Golf courses, water parks, race tracks or other recreational type facilities inherently...

  20. 78 FR 26485 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2013-05-07

    ... Federal Regulations is sold by the Superintendent of Documents. #0;Prices of new books are listed in the... Agency is revising the paragraph to more clearly convey to the public the Agency's policy with respect to... equipment of an otherwise non-recreational eligible community facility such as childcare, educational, or...

  1. 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...

  2. 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...

  3. 49 CFR 22.13 - Loan terms and conditions.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Loan terms and conditions. 22.13 Section 22.13... STLP Loans § 22.13 Loan terms and conditions. (a) Amount. The maximum face amount for an individual.... Subsequent interest rate changes may occur no more than monthly. (c) Loan Structure and Term. A STLP loan...

  4. 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...

  5. 38 CFR 8.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Policy loans. 8.13 Section 8.13 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.13 Policy loans. (a) At any time after the premiums for the first policy year have been paid and earned and...

  6. Large repayments of premium subsidies may be owed to the IRS if family income changes are not promptly reported.

    Science.gov (United States)

    Jacobs, Ken; Graham-Squire, Dave; Gould, Elise; Roby, Dylan

    2013-09-01

    Subsidies for health insurance premiums under the Affordable Care Act are refundable tax credits. They can be taken when taxes are filed or in advance, as reductions in monthly premiums that must be reconciled at tax filing. Recipients who take subsidies in advance will receive tax refunds if their subsidies were too small but will have to make repayments if their subsidies were too high. We analyzed predicted repayments and refunds for people receiving subsidies, using California as a case study. We found that many families could owe large repayments to the Internal Revenue Service at their next tax filing. If income changes were reported and credits adjusted in a timely manner throughout the tax year, the number of filers owing repayments would be reduced by 7-41 percent and the median size of repayments reduced by as much as 61 percent (depending on the level of changes reported and the method used to adjust the subsidy amounts). We recommend that the health insurance exchanges mandated by the Affordable Care Act educate consumers about how the subsidies work and the need to promptly report income changes. We also recommend that they provide tools and assistance to determine the amount of subsidies that enrollees should take in advance.

  7. 42 CFR 60.11 - Terms of repayment.

    Science.gov (United States)

    2010-10-01

    ...) Accreditation Council for Graduate Medical Education. (ii) Council on Optometric Education. (iii) Commission on Accreditation of Dental and Dental Auxiliary Programs. (iv) American Osteopathic Association. (v) Council on... Public Health. (viii) American College of Veterinary Surgeons. (ix) Council on Chiropractic Education. (b...

  8. 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…

  9. 13 CFR 120.1704 - Pool Loans eligible for Pooling.

    Science.gov (United States)

    2010-01-01

    ... Loans eligible for Pooling. (a) General Pool Loan eligibility requirements. For a First Lien Position... zoos—712130 (“Zoos and Botanical Gardens”). (b) SBA review of a Pool Loan prior to pool formation. SBA...

  10. A comparison of interlibrary loan requests received by the National Library of Medicine: 1959 and 1984.

    Science.gov (United States)

    Lacroix, E M; Dutcher, G A

    1987-01-01

    In 1962, an analysis of interlibrary loan requests for serials filled by NLM in 1959 was published. In the twenty-five years following 1959, important changes occurred in the biomedical library community, which had a significant impact on interlibrary loan activities, including the development of MEDLARS and online searching, the Regional Medical Library (RML) network, and union listing for serials. To describe NLM's current interlibrary loan request traffic for serials and to identify any significant changes in traffic between 1959 and 1984, a comparative analysis of 1984 serial loan requests was performed, primarily by manipulation of automated request records. The changes in request traffic strongly suggest that the efforts to strengthen regional document delivery through the RML program have been successful and that NLM's collection is now used primarily as a last resort.

  11. 38 CFR 1.924 - Suspension or revocation of eligibility for federal loans, loan insurance, loan guarantees...

    Science.gov (United States)

    2010-07-01

    ...) Federal financial assistance or financial assistance means any Federal loan (other than a disaster loan... of Veterans Affairs, the Secretary of the Treasury may grant exemptions from the provisions of this... Chief Financial Officer should balance the following factors when deciding whether to grant a waiver: (i...

  12. 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

  13. Loan sales under asymmetric information

    OpenAIRE

    Vargas Martínez, Mónica

    2010-01-01

    Loans are illiquid assets that can be sold in a secondary market even that buyers have no certainty about their quality. I study a model in which a lender has access to new investment opportunities when all her assets are illiquid. To raise funds, the lender may either borrow using her assets as collateral, or she can sell them in a secondary market. Given asymmetric information about assets quality, the lender cannot recover the total value of her assets. There is then a role for the governm...

  14. Oral Cancer Exam

    Medline Plus

    Full Text Available ... Gland Tumors More Science News Grants & Funding Funding Opportunity Announcements By Topic RFAs PAs Application Forms and ... Dental and Medical Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental ...

  15. Oral Cancer Exam

    Medline Plus

    Full Text Available ... Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All ... oral cancer, along with definitions of selected medical terms and resource information. Oral Cancer A fact sheet ...

  16. 75 FR 36661 - Eunice Kennedy Shriver National Institute of Child Health & Human Development; Notice of Closed...

    Science.gov (United States)

    2010-06-28

    ... Consequences for Men. Date: July 12, 2010. Time: 10 a.m. to 1 p.m. Agenda: To review and evaluate grant..., Contraception and Infertility Loan Repayment Program, National Institutes of Health, HHS) Dated: June 22, 2010...

  17. Oral Cancer Exam

    Medline Plus

    Full Text Available ... Graduates Dental and Medical Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All Continuing Education Practical Oral Care for People With Developmental Disabilities – ...

  18. Oral Cancer Exam

    Medline Plus

    Full Text Available ... Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All ... so patients know what to expect. What You Need to Know About Oral Cancer For people who ...

  19. Oral Cancer Exam

    Medline Plus

    Full Text Available ... Dental and Medical Students See All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All Continuing Education Practical Oral Care for People With Developmental Disabilities – ...

  20. Oral Cancer Exam

    Medline Plus

    Full Text Available ... All Careers & Training Opportunities Job Openings Loan Repayment Programs Careers in Dental Research See All Continuing Education Practical Oral Care for People With Developmental Disabilities – ...

  1. 75 FR 39030 - Eunice Kennedy Shriver National Institute of Child Health and Human Development; Notice of Closed...

    Science.gov (United States)

    2010-07-07

    ... and Human Development Special Emphasis Panel, Genetic Causes And The Role Of The Cilium In Human... Rehabilitation Research; 93.209, Contraception and Infertility Loan Repayment Program, National Institutes of...

  2. The National Library of Medicine and interlibrary loan.

    Science.gov (United States)

    Cassidy, T R

    1967-10-01

    The National Library of Medicine was a pioneer in the development of the interlibrary loan system. In 1957, the Library instituted the policy of combining loan and photocopy which it follows to this day. There has been a steady rise in the demand for photocopies from the NLM; hence, the advantage of making fuller use of local resources before approaching NLM is stressed. The criteria the Library observes to strike a balance between the national public interest expressed in the Library's statutory mission, and private interests protected by the Copyright Act, are described; but NLM will always be obliged to provide materials difficult to obtain elsewhere. Developing programs under the Medical Library Assistance Act should have considerable impact on the local availability of medical library resources.

  3. The National Library of Medicine and Interlibrary Loan *

    Science.gov (United States)

    Cassidy, Thomas R.

    1967-01-01

    The National Library of Medicine was a pioneer in the development of the interlibrary loan system. In 1957, the Library instituted the policy of combining loan and photocopy which it follows to this day. There has been a steady rise in the demand for photocopies from the NLM; hence, the advantage of making fuller use of local resources before approaching NLM is stressed. The criteria the Library observes to strike a balance between the national public interest expressed in the Library's statutory mission, and private interests protected by the Copyright Act, are described; but NLM will always be obliged to provide materials difficult to obtain elsewhere. Developing programs under the Medical Library Assistance Act should have considerable impact on the local availability of medical library resources. PMID:6072957

  4. Feasibility study for banking loan using association rule mining classifier

    Directory of Open Access Journals (Sweden)

    Agus Sasmito Aribowo

    2015-03-01

    Full Text Available The problem of bad loans in the koperasi can be reduced if the koperasi can detect whether member can complete the mortgage debt or decline. The method used for identify characteristic patterns of prospective lenders in this study, called Association Rule Mining Classifier. Pattern of credit member will be converted into knowledge and used to classify other creditors. Classification process would separate creditors into two groups: good credit and bad credit groups. Research using prototyping for implementing the design into an application using programming language and development tool. The process of association rule mining using Weighted Itemset Tidset (WIT–tree methods. The results shown that the method can predict the prospective customer credit. Training data set using 120 customers who already know their credit history. Data test used 61 customers who apply for credit. The results concluded that 42 customers will be paying off their loans and 19 clients are decline

  5. 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.

  6. Foreign Currency Loans - Demand or Supply Driven?

    NARCIS (Netherlands)

    Brown, M.; Kirschenmann, K.; Ongena, S.

    2009-01-01

    Motivated by current concerns over foreign currency exposures in emerging economies, we examine the currency denomination of business loans made in Bulgaria prior to the current crisis. We analyze information on the requested and granted currency for more than hundred thousand loans granted by one

  7. Interlibrary Loan Practices Handbook. Third Edition

    Science.gov (United States)

    Weible, Cherie L., Ed.; Janke, Karen L., Ed.

    2011-01-01

    In their definitive new "Interlibrary Loan Practices Handbook", editors Weible and Janke clearly explain the complexities of getting materials from outside the library for patrons. This collection presents a complete view of the interlibrary loan (ILL) process, with contributions from all areas of the technical services community, providing: (1)…

  8. The Confidentiality of Interlibrary Loan Records.

    Science.gov (United States)

    Nolan, Christopher W.

    1993-01-01

    Discusses potential problems for confidentiality within interlibrary loan requests, outlines legal issues related to confidentiality, and proposes guidelines intended to protect library users' rights to privacy. Interlibrary loan documentation procedures are considered; laws and professional standards are reviewed; and the disposition of…

  9. 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...

  10. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... borrower distress or default; (4) Provide for sharing of risk; (5) Set forth conditions for the offering and acceptance of the loan participation and termination of the agreement; (6) Provide for sharing of... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest...

  11. 77 FR 52676 - Submission for OMB Review; Comment Request

    Science.gov (United States)

    2012-08-30

    ... will not impair the borrower's ability to repay the loan or cause financial hardship. Need and Use of..., regulatory, and administrative eligibility requirements for loan assistance. Need and Use of the Information... loan programs in accordance with the Rural Electrification Act (RE Act) of 1936, 7 U.S.C. 901 et seq...

  12. Unauthorized Appropriations and Expiring Authorizations

    Science.gov (United States)

    2015-01-15

    in general, pediatric , and public health dentistry , and for a loan repayment program (sec. 5302, 42 U.S.C. 293k-2) 39 FY 2015 Appropriations...Appropriations: Not Available Emergency medicine research and pediatric emergency medicine research through National Institutes of Health, Agency for...Committee Patient Protection and Affordable Care ActP.L. 111-148 (Continued) Health care workforce loan repayment program: pediatric medical and surgical

  13. 77 FR 20796 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2011; William D. Ford...

    Science.gov (United States)

    2012-04-06

    ... amortization. To do this, multiply the combined loan balance by the constant multiplier for the applicable... loan balance by the constant multiplier for the applicable interest rate. In this example, the interest..., multiply each group of combined aggregate loan balances by the constant multiplier for the applicable...

  14. 77 FR 30266 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2012; William D. Ford...

    Science.gov (United States)

    2012-05-22

    ... over 12 years using standard amortization. To do this, multiply the loan balance by the constant... amortization. To do this, multiply the combined loan balance by the constant multiplier for the applicable... loan balance by the constant multiplier for the applicable interest rate. In this example, the interest...

  15. The Effect of Social Capital on Customer’s Repayment Rate at Islamic Microfinance Institution

    Directory of Open Access Journals (Sweden)

    Jaenal Effendi

    2016-07-01

    Full Text Available The potency of Micro and Small Enterprises (MSEs in Indonesia which is great, is not directly proportional to the ease of getting capital from formal financial institutions such as banks because it is not bankable. Meanwhile, microfinance institutions (MFIs that provide financing to the MSEs are currently thriving. This condition exposes the existence of factors that cause the MFIs continuesly providing financing to MSEs which are not bankable. This research aims to analyze the effect of social capital toward the repayment rate of Islamic MFIs’ customers. The methods used in this research was the logistic regression. The results showed variable relationship with BMT employees, relations with other customers, and Islamic recitation had positive and significant effect toward the repayment rate of the customer. While recommendations, membership status, and travel time from home to the BMT had negative and significant effect.  Variable outside the social capital indicator which is income rate had no significant effect.DOI: 10.15408/aiq.v8i2.2631

  16. 7 CFR 4280.16 - REDL and REDG Loan terms.

    Science.gov (United States)

    2010-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and... 7 Agriculture 15 2010-01-01 2010-01-01 false REDL and REDG Loan terms. 4280.16 Section 4280.16... Loans will automatically be granted by Rural Development upon request of the Intermediary as follows: (1...

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

    African Journals Online (AJOL)

    ... loan to farmers cooperative societies 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 ...

  18. 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...

  19. 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...

  20. 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...

  1. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

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

  2. 7 CFR 1980.473 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Additional loans or advances. 1980.473 Section 1980... Additional loans or advances. (Refer to paragraph XIII of Form FmHA or its successor agency under Public Law... authority additional nonguaranteed loans or advances prior to or subsequent to the issuance of the Loan Note...

  3. 24 CFR 241.1068 - Renegotiation of an equity loan.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Renegotiation of an equity loan... AUTHORITIES SUPPLEMENTARY FINANCING FOR INSURED PROJECT MORTGAGES Insurance for Equity Loans and Acquisition Loans-Eligibility Requirements § 241.1068 Renegotiation of an equity loan. The Commissioner shall...

  4. 75 FR 58285 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-09-24

    ... credit to minimize the need for additional loans from payday lenders. To effectuate the beneficial nature... ] term and avoid the need to extend a loan. With respect to the number of loans, most commenters believed... of the loan. For members with established accounts, FCUs should only need to review a member's...

  5. 48 CFR 32.306 - Loan guarantees for subcontracts.

    Science.gov (United States)

    2010-10-01

    ... to provide the progress payments. As a result, the need for the loan guarantee may be reduced or... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Loan guarantees for... GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Loan Guarantees for Defense Production 32.306 Loan...

  6. Interlibrary Loans with a Micro. . . Clean and Quick.

    Science.gov (United States)

    Witters, Maryanne

    1984-01-01

    Reviews Fast Interlibrary Loans and Statistics (FILLS), a library-specific microcomputer software package designed to enable processing of interlibrary loans in less than 50 percent of manual time. Examples of American Library Association Interlibrary Loan Form, outstanding loan report, periodical requests report, library reports (requests,…

  7. 26 CFR 31.6413(a)-1 - Repayment or reimbursement by employer of tax erroneously collected from employee.

    Science.gov (United States)

    2010-04-01

    ... or reimbursement by employer of tax erroneously collected from employee. (a) Federal Insurance... attaches to wages or compensation paid by the employer to the employee prior to the expiration of the... wages were paid, the employer shall repay or reimburse the employee in the amount of the overcollection...

  8. 78 FR 72109 - Quarterly Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2013-12-02

    ... prepay 2,675 acre-feet of the 3,300 acre-feet of project M&I water from Red Fleet Reservoir. 12... Project: Consideration of a contract for repayment of SOD costs. 51. Bull Lake Dam, Riverton Unit, P-SMBP...

  9. 78 FR 72111 - Quarterly Status Report of Water Service, Repayment, and Other Water-Related Contract Actions

    Science.gov (United States)

    2013-12-02

    ... to prepay 2,675 acre-feet of the 3,300 acre-feet of project M&I water from Red Fleet Reservoir. 12... Project: Consideration of a contract for repayment of SOD costs. 51. Bull Lake Dam, Riverton Unit, P-SMBP...

  10. INSTITUTIONAL ANALYSIS OF REVOLVING FUND LOAN (RFL FOR THE DEVELOPMENT OF COMMUNITY FOREST PLANTATIONS (CFP

    Directory of Open Access Journals (Sweden)

    Entin Hendartin

    2011-12-01

    Full Text Available The purpose of this study was to formulate effective and efficient institutions of Revolving Fund Loans for Community Forest Plantation development (RFL CFP in accordance with variation of field conditions. Benchmarking techniques were used to formulate the institution of RFL CFP. For that purpose, Independent of Direct Assistance Rural Agribusiness Development (IDA RAD from the Ministry of Agriculture was selected as a benchmark as it was good in performance. The study was conducted in three provinces, i.e. Riau, South Kalimantan (November 2008 to April 2009 and West Java (May 2009 to February 2011. Comparative study was used to analyze the institutions based on the agency theory. The results showed that the institutional of RFL CFP have not accomodated the differences in characteristics, perceptions and capacities of the parties. As a result, the institutions have not been able to overcome the risk of moral hazard, adverse selection and high transaction costs. On the other hand, the institution of IDA RADhas a positive impact on agency relationship. High repayments by IDA RADagent and the increasing number of agents each year have proved the impact.

  11. Improving Primary Care Retention in Medically Underserved Areas: What's a Clinic to Do?

    Science.gov (United States)

    Scarbrough, Amanda W; Moore, Marianne; Shelton, Steve R; Knox, Regina J

    To reduce health professional shortage areas, the National Health Service Corps has attempted to increase the number of primary care providers in underserved communities through scholarships and loan repayment. Program evaluations assessed Loan Repayment Program (LRP) propensity to work in underserved communities. The National Health Service Corps LRPs were asked about preferences for particular retention strategies and which strategies were utilized by their clinical sites. Loan Repayment Programs were asked to rank retention strategies. Loan Repayment Program top choices were competitive salary, 88%; professional development, 70%; knowledgeable/competent support staff, 59%, and professional support, 58%. Loan Repayment Programs were also asked to rank retention strategies provided by their clinical sites: professional development, 74.2%; competitive salary, 71.2%; policies that prohibit abusive behavior, 63.6%, and knowledgeable/competent support staff, 60.6%. Loan Repayment Programs indicated professional support was an important retention element. However, when asked if professional support opportunities were offered, LRP indicated that these were not in the strategies offered by sites.

  12. 38 CFR 36.4322 - Loan termination.

    Science.gov (United States)

    2010-07-01

    ... require prior approval from VA. VA will maintain the loan termination time allowable timeframes on a Web... writing a shorter validity period, not less than 90 calendar days, for a liquidation appraisal or...

  13. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ... accredited college of veterinary medicine resulting in a degree of Doctor of Veterinary Medicine, or the... based on additional documentation provided by the individual; (6) Loans, financial debts, or service...

  14. 7 CFR 1700.29 - Telecommunications Program.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Telecommunications Program. 1700.29 Section 1700.29... AGRICULTURE GENERAL INFORMATION Agency Organization and Functions § 1700.29 Telecommunications Program. RUS and RTB, through the Telecommunications Program, make loans and loan guarantees to furnish and improve...

  15. 77 FR 67433 - Community Advantage Pilot Program

    Science.gov (United States)

    2012-11-09

    ... Program are being met. For these reasons and due to the significant investment in time and resources that..., SBA believes that the Microloan Program is not an appropriate comparison for the CA Pilot Program... policy to permit CA loans to be used to refinance loans made by SBA Microlenders subject to the policies...

  16. 7 CFR 1700.28 - Electric Program.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Electric Program. 1700.28 Section 1700.28 Agriculture... GENERAL INFORMATION Agency Organization and Functions § 1700.28 Electric Program. RUS, through the Electric Program, makes loans and loan guarantees for rural electrification and the furnishing of electric...

  17. 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.

  18. 78 FR 54862 - Information Collection; General Program Administration

    Science.gov (United States)

    2013-09-06

    ... Farm Service Agency Information Collection; General Program Administration AGENCY: Farm Service Agency... Programs (FLP) General Program Administration. The information collected is used to ensure that applicants... INFORMATION: ] Title: Farm Loan Programs, General Program Administration. OMB Control Number: 0560-0238...

  19. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... Supervision Matthew J. Biliouris and Chief Accountant Karen Kelbly, Office of Examination and Insurance; at... satisfaction of the loan, (2) a modification of the loan terms, such as a reduction of the stated interest rate... difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family...

  20. 34 CFR 682.300 - Payment of interest benefits on Stafford and Consolidation loans.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Payment of interest benefits on Stafford and Consolidation loans. 682.300 Section 682.300 Education Regulations of the Offices of the Department of Education...) PROGRAM Federal Payments of Interest and Special Allowance § 682.300 Payment of interest benefits on...

  1. 7 CFR 1944.423 - Loan packaging and 502 RH application submittal.

    Science.gov (United States)

    2010-01-01

    ... 502 loan approval process and must work within the regulations for the 502 program and recognize FmHA or its successor agency under Public Law 103-354's ultimate decision making authority to approve or... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY...

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

    NARCIS (Netherlands)

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

    2012-01-01

    We study student loan behavior in the Netherlands where (i) higher education students know little about the conditions of the government's financial aid program and (ii) take-up rates are low. In a field experiment we manipulated the amount of information students have about these conditions. The

  3. 7 CFR 762.130 - Loan approval and issuing the guarantee.

    Science.gov (United States)

    2010-01-01

    ... those approved in the interim by the Agency in writing); (ii) Required hazard, flood, crop, worker's... assignment on all USDA crop and livestock program payments has been obtained; (vii) When required, personal... the terms of the original note. (f) Replacement of loan guarantee, or assignment guarantee agreement...

  4. 78 FR 45515 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-07-29

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan Program... to this notice will be considered public records. Title of Collection: William D. Ford Federal Direct...

  5. 50 CFR 600.1101 - Inshore fee system for repayment of the loan to harvesters of Pollock from the directed fishing...

    Science.gov (United States)

    2010-10-01

    ... type of end-user, or some other fish buyer not engaged in the business of buying fish from fish sellers... value over the fish seller's protest or refuse to buy the fee fish. The fish buyer shall also, within... buyer deducted the fee over the fish seller's protest or refused to buy the fee fish, and (E) The fish...

  6. 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...

  7. Borrower risk signaling using loan-to-value ratios

    National Research Council Canada - National Science Library

    Epley, Donald R; Liano, Kartono; Haney, Richard

    1996-01-01

    A study is presented that evaluates the signaling capability of the borrower's selected loan-to-value ratio and finds the equity proportion of housing capital to be a good indicator of the loan's riskiness...

  8. Credit Risk Management - Loan Approval Process

    Directory of Open Access Journals (Sweden)

    Lulzim Rashiti

    2016-03-01

    Full Text Available The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper will also explain in detail procedures and responsibilities shared along the process of loan acceptance by a banker. To sum up, the overall process from application to loan approval or denial will be explained pointing out the implications that are faced along the way

  9. Non-performing loans and Financial Development: New Evidence

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

    This paper examine the relationship between non-performing loans (NPLs) and financial (sector) development. The study is motivated by the scant knowledge on how financial development structures impact non-performing loans across banking sectors around the world. In the pooled full country empirical analysis, we find that (i) private credit to GDP ratio is positively associated with non-performing loans, (ii) NPLs are inversely associated with bank efficiency, loan loss coverage, banking compe...

  10. Viability of a student loan scheme in the Maldives

    OpenAIRE

    Shakeela, Fathimath

    2010-01-01

    Financing of higher education around the world are undergoing changes. Student financing is also being affected, the grants are being replaced with student loans. This trend can also be seen in the Maldives, where there is a move towards cost sharing in higher education. Many countries have implemented student loan schemes based on economical and social rationales. However, many student loans around the world are implemented with poor planning and for this reason many student loan schemes are...

  11. NON-PERFORMING LOANS: ANALYSIS AND REGULATION

    OpenAIRE

    Lobozynska, Sophia

    2014-01-01

    The analysis of the level of non-performing loans and the volumes of forming the insurance reserves for them with a time lag of 6 years (2004–2009) in developing countries (China, Poland, Russia, Ukraine) was made. The estimation of efficiency of regulatory processes to combat non-performing loans of the banking sector which were applied by these countries was provided. The correlation-regression model of establishing cause-effect relationship between effective index – the share of non-perfor...

  12. 13 CFR 120.380 - Program.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Program. 120.380 Section 120.380 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Defense Economic Transition Assistance § 120.380 Program. Section 7(a)(21) of the Act authorizes SBA to guarantee...

  13. 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…

  14. 7 CFR 1717.853 - Loan terms and conditions.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan terms and conditions. 1717.853 Section 1717.853... Accommodations and Subordinations for 100 Percent Private Financing § 1717.853 Loan terms and conditions. (a) Terms and conditions. A loan, bond or other financing instrument, for which a lien accommodation or...

  15. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... consumer has the right to accept the terms of a private education loan at any time within 30 calendar days... changes permitted under paragraphs (c)(3) and (c)(4), the rate and terms of the private education loan... rate and terms if the change will unequivocally benefit the consumer; or (D) Reducing the loan amount...

  16. 7 CFR 4280.152 - Servicing guaranteed loans.

    Science.gov (United States)

    2010-01-01

    .... (2) Terms. Loan terms must not be changed unless the change is approved in writing by the Agency with... not be released from liability. Any new loan terms must be within the terms authorized by § 4280.125. The lender's request for approval of new loan terms will be supported by an explanation of the reasons...

  17. 24 CFR 203.50 - Eligibility of rehabilitation loans.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of rehabilitation loans... Properties § 203.50 Eligibility of rehabilitation loans. A rehabilitation loan which meets the requirements... 203(k) of the National Housing Act. (a) For the purpose of this section: (1) The term rehabilitation...

  18. 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

  19. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Split-dollar loans. 1.7872-15 Section 1.7872-15...) INCOME TAXES General Actuarial Valuations § 1.7872-15 Split-dollar loans. (a) General rules—(1) Introduction. This section applies to split-dollar loans as defined in paragraph (b)(1) of this section. If a...

  20. 7 CFR 1710.119 - Loan processing priorities.

    Science.gov (United States)

    2010-01-01

    ... Administrator may give priority to processing loans that are required to meet the following needs: (1) To... need RUS approval pursuant to the borrower's loan documents (See 7 CFR 1717.154); or (4) To correct... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan processing priorities. 1710.119 Section 1710.119...

  1. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

    ... may but need not be collected for loans purchased by the financial institution. (c) Optional data. A... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Compilation of loan data. 203.4 Section 203.4... DISCLOSURE (REGULATION C) § 203.4 Compilation of loan data. (a) Data format and itemization. A financial...

  2. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

    ... Federal Home Loan Bank (Bank) membership to identify provisions that may need to be updated to ensure that...; ] FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1263 RIN 2590-AA39 Members of Federal Home Loan Banks AGENCY... Federal Home Loan Bank Act (Bank Act) to provide a reserve banking system for thrift institutions to...

  3. 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...

  4. Relationships between Interlibrary Loan and Research Activity in Canada

    Science.gov (United States)

    Duy, Joanna; Larivière, Vincent

    2014-01-01

    Interlibrary Loan borrowing rates in academic libraries are influenced by an array of factors. This article explores the relationship between interlibrary loan borrowing activity and research activity at 42 Canadian academic institutions. A significant positive correlation was found between interlibrary loan borrowing activity and measures of…

  5. Description of a Computerized, On-Line Interlibrary Loan System.

    Science.gov (United States)

    Kilgour, Frederick G.

    This paper describes the first two months of operation of the OCLC interlibrary loan system, an online system designed to increase speed and effectiveness in obtaining interlibrary loans. This system provides (1) bibliographic verification of interlibrary loan records and location of materials by using online union catalog records, (2) automatic…

  6. 12 CFR 614.4232 - Loans to domestic lessors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans to domestic lessors. 614.4232 Section 614... Terms and Conditions § 614.4232 Loans to domestic lessors. Loans and financial assistance extended by banks for cooperatives and agricultural credit banks to domestic lessors to finance equipment or...

  7. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... requirements established by RUS, and if directed by the Administrator, that the borrower follow RUS planning... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... maturity date, including but not limited to requirements regarding the prepayment of loans made...

  8. 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...

  9. Borrowing at the Maximum: Undergraduate Stafford Loan Borrowers in 2007-08. Stats in Brief. NCES 2012-161

    Science.gov (United States)

    Wei, Christina Chang; Skomsvold, Paul

    2011-01-01

    Using data from the 2007-08 National Postsecondary Student Aid Study (NPSAS:08), this Statistics in Brief examines the extent to which undergraduate students borrow the maximum possible within the limits of the Stafford loan program (the program maximum) and their own financial need and student budgets (the individual maximum). Students who…

  10. The Implementation of SWOT Analysis of People Economic Empowerment Business Loan (KUPEM in Jambi Province

    Directory of Open Access Journals (Sweden)

    Susi Desmaryani

    2016-11-01

    Full Text Available The problems of SMEs today are generally only able to survive but rarely oriented towards growth and capacity development of the company. One of the problems that hinder the growth of SMEs is financing problems. The government has tried to provide financing assistance in the form of soft loans, one of which is KUPEM, but SMEs do not have the commitment to running the business with loans that have been granted by the government. This study aims to determine the implementation strategy of People Economic Empowerment Business Loan (KUPEM in the Province of Jambi. The research method used was a case study with descriptive research type. The sample consists of 125 respondents. Sampling is conducted in a nonprobability sampling and purposive sampling. Data were analyzed using SWOT analysis. The results showed that the implementation of KUPEM by the Provincial Government of Jambi through internal analysis indicates the value of the power factor is still below the weakness factor. External analysis of People Economic Empowerment Business Loan still has a big opportunity than a threat factor. Therefore, People Economic Empowerment Business Loan continues because it can help the growth of the community effort by making strategic changes. Result of the study recommend to strengthen internal factors which are the analytical skills of relevant agencies that are trusted to provide recommendations for KUPEM loans, (1 Relevant agencies create mentoring programs to enhance the ability of SMEs actors, (2 Through the relevant agencies forming a group of associations between groups of SMEs, (3 Increasing motivation to make MSMEs business through counseling activity, and improve the competence of field educators, (4 Conduct analysis of the suitability of business in accordance with local conditions (in this case the state of nature, the public taste and the target market.

  11. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... their own resources. (iii) Loan requests from civilian authorities or activities will normally enter... Red Cross for instruction and practice to aid the Army, Navy, or Air Force in time of war (10 U.S.C... America (world or national jamborees) 3 10 U.S.C. 2544; AR 725-1, ch. 7 MACOM CG on behalf of CG DARCOM...

  12. 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...

  13. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

    ... training, or farming experience; have an acceptable credit history; and have adequate collateral for the... training and mentoring for ML applicants to include beginning farmers, sustainable agriculture, and... loan amounts and operations in the growing segment of family farms engaged in organic farming and...

  14. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... not classified as Seasoned or Current Non-problem will be reported on the quarterly status report with... Department of Justice will need to know such things as: What was the amount of the loan or the loss paid to... that much more quickly to the Justice Department. 6. There is also a way to bring suit for civil fraud...

  15. 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...

  16. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan application. 762.110 Section 762.110 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for...

  17. Guiding Users to Unmediated Interlibrary Loan

    Science.gov (United States)

    Adams, Carolyn; Ressel, Margret J.; Silva, Erin S.

    2009-01-01

    This article provides a practitioner's guide to marketing user-initiated borrowing at the point of need. By reviewing interlibrary loan book requests and manually transferring them to an INN-Reach consortial system, Link+, the University of Nevada, Reno Libraries were able to successfully market the service, deliver materials faster, and save…

  18. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

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

  19. TWX and interlibrary loans; one library's experience.

    Science.gov (United States)

    Hodges, T M

    1976-07-01

    Vanderbilt Medical Center Library (VMCL) first installed TWX in 1966, thus joining the teletypewriter exchange (TWX) network. Eight years later (1974), VMCL removed its TWX terminal, mainly as an economy measure. It is the opinion of the author that the benefits derived from using TWX for interlibrary loan do not warrant the cost of the service. VMCL looks forward to a new approach.

  20. ENGLISH LOANS IN SWAHILI NEWSPAPER FOOTBALL LANGUAGE

    African Journals Online (AJOL)

    Dr. Josephine Dzahene-Quarshie

    ENGLISH LOANS IN SWAHILI NEWSPAPER FOOTBALL. LANGUAGE. Josephine Dzahene-Quarshie. Abstract. It has been inferred that to some extent some football terminologies tend to be cross-linguistic, stemming from the fact that many languages borrow football vocabulary from English. Thus within the field of football, ...