WorldWideScience

Sample records for record syndicated loan

  1. Syndicated Loan Signed for CPECC'S KUWAIT Project

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

    @@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.

  2. 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

  3. Tranching in the Syndicated Loan Market

    NARCIS (Netherlands)

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

    2011-01-01

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

  4. Why borrowers pay premiums to larger lenders: Empirical evidence from sovereign syndicated loans

    OpenAIRE

    Hallak, Issam

    2002-01-01

    All other terms being equal (e.g. seniority), syndicated loan contracts provide larger lending compensations (in percentage points) to institutions funding larger amounts. This paper explores empirically the motivation for such a price design on a sample of sovereign syndicated loans in the period 1990-1997. I find strong evidence that a larger premium is associated with higher renegotiation probability and information asymmetries. It hardly has any impact on the number of lenders though. Thi...

  5. Systemic Risk-Taking at Banks: Evidence from the Pricing of Syndicated Loans

    NARCIS (Netherlands)

    D. Gong (Di); W.B. Wagner (Wolf)

    2016-01-01

    textabstractPublic guarantees extended during systemic crises can affect the relative pricing of risks in the financial system. Studying the market for syndicated loans, we find that banks require lower compensation for aggregate risk than for idiosyncratic risk, consistent with systemic risk-taking

  6. Europe vs. the U.S. A New Look at the Syndicated Loan Pricing Puzzle

    OpenAIRE

    Burietz, Aurore; Oosterlinck, Kim; Szafarz, Ariane

    2017-01-01

    According to the syndicated loan pricing puzzle (Carey and Nini, Journal of Finance, 2007) interest rates charged to corporate borrowers are lower in Europe than in the U.S. Our investigation suggests that controlling for region-specific credit ratings makes the Europe-U.S. gap insignificant, and solves the puzzle. We speculate that the puzzle originates from the lack of uniformity of accounting standards.

  7. Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

    OpenAIRE

    Eichengreen, Barry; Mody, Ashoka

    1999-01-01

    Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

  8. Liquidity Risk and Syndicate Structure

    OpenAIRE

    Evan Gatev; Philip Strahan

    2008-01-01

    We offer a new explanation of loan syndicate structure based on banks' comparative advantage in managing systematic liquidity risk. When a syndicated loan to a rated borrower has systematic liquidity risk, the fraction of passive participant lenders that are banks is about 8% higher than for loans without liquidity risk. In contrast, liquidity risk does not explain the share of banks as lead lenders. Using a new measure of ex-ante liquidity risk exposure, we find further evidence that syndica...

  9. 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…

  10. Why Do European Venture Capital Companies Syndicate?

    NARCIS (Netherlands)

    S. Manigart (Sophie); J. Bruining (Hans); A. Lockett (Andy); M. Meuleman (Miguel)

    2002-01-01

    textabstractFinancial theory, resource-based theory and access to deal flow are used to explain syndication practices among European venture capital (VC) firms. The desire to share risk and increase portfolio diversification is a more important motive for syndication than the desire to access

  11. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

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

  12. Corporate boards and bank loan contracting

    OpenAIRE

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

    2012-01-01

    We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...

  13. 75 FR 77607 - Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-12-13

    ...; Proposed New System of Records; Veterinary Medicine Loan Repayment Program AGENCY: National Institute of..., ``Veterinary Medicine Loan Repayment Program Records System, USDA/NIFA-1.'' This newly established system will... Sherman; National Program Leader, Veterinary Science; National Institute of Food and Agriculture...

  14. Towards a Geocentric Mobile Syndication System

    OpenAIRE

    Debrie , Adrien; Eberhart , Pacôme; Roman , Pierre-Louis; Le Pape , Cécile; Marin , Olivier

    2012-01-01

    International audience; The present paper proposes a new approach towards filtering and processing the ever growing quantity of data published from mobile devices before it even reaches the Internet. We tackle this issue by circumscribing data to the zone where it is published (geocentricity) and allowing mobile device owners to republish the data they deem relevant (syndication). Results we obtained through simulation show that our solution enables to extract information that is relevant for...

  15. Floral structure and ontogeny of Syndiclis (Lauraceae.

    Directory of Open Access Journals (Sweden)

    Gang Zeng

    Full Text Available Generic delimitation in the Beilschmiedia group of the Lauraceae remains ambiguous because flowering specimens of a few genera with confined distribution are poorly represented in herbaria, and a few floral characters important for taxonomy are still poorly known. Syndiclis is sporadically distributed in southwestern China, and is represented in the herbaria by only a few flowering specimens. We conducted field investigations to collect floral materials of four species and observed structures and ontogeny of the tiny flowers using both light microscopy (LM and scanning electron microscopy (SEM. The results show that the genus Syndiclis possesses flowers with huge variation in both merosity and organ number. Flowers of the genus are dimerous, trimerous, or tetramerous, or have mixed merosity with monomerous and dimerous, or dimerous and trimerous, or trimerous and tetramerous whorls. The number of staminodes ranges from two to eight, depending on floral merosity, and on how many stamens of the third androecial whorl are reduced to staminodes. The staminodes of the fourth androecial whorl are comparable to the staminodes in Potameia, but the staminodes of the third androecial whorl of Syndiclis are relatively larger than the staminodes in Potameia. They are erect or curved inwards, covering the ovary. The anthers are usually two-locular, but rarely one-locular or three-locular. Each stamen of the third androecial whorl bears two conspicuous and enlarged glands at the base. The lability of floral merosity and organ number of Syndiclis may have been caused by changes of pollination system and loss of special selective pressures that are present in most Lauraceous plants with fixed floral organ number. This study furthers our understanding of variation and evolution of a few important characters of the Beilschmiedia group and provides essential data for a revised generic classification of the group.

  16. The Effectiveness of Corporate Boards: Evidence from Bank Loan Contracting

    OpenAIRE

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

    2009-01-01

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

  17. Syndicate of renewable energies - Highlights 2016

    International Nuclear Information System (INIS)

    2017-01-01

    This publication first proposes a presentation of the SER (Syndicat des Energies Renouvelables, Syndicate of Renewable Energies), a professional body: missions, scope of action, members. It outlines its commitment in the French policy for energy transition as a major actor of the sector of renewable energies. It addresses the legal and regulatory framework as well as the economic framework and markets. It proposes brief presentations of transverse actions regarding power grids, overseas territories, the building sector and the international export. Some highlights related to ground-based wind power, renewable marine energies and offshore wind energy, solar photovoltaic energy, bio-energies (wood-fueled power plants for collective, tertiary and industrial sectors, biogas, biofuels and municipal wastes), domestic wood space heating, geothermal energy and hydroelectricity are mentioned. Actions in the field of communication are summarized, and projects for 2017 are briefly indicated

  18. Syndicate of renewable energies - Highlights 2015

    International Nuclear Information System (INIS)

    2016-01-01

    This publication first proposes a presentation of the SER (Syndicat des Energies Renouvelables, Syndicate of Renewable Energies), a professional body: missions, scope of action, members. It outlines its commitment in the French policy for energy transition as a major actor of the sector of renewable energies. It addresses the legal and regulatory framework by indicating evolutions introduced by the French law for energy transition and for a green growth for the different renewable energies (hydroelectricity, wind energy, solar photovoltaic, geothermal, biofuels and bio-energies, biogas), by the new regimes of authorisations for onshore wind energy, methanization and hydroelectricity, and by the law for growth, activity and equality of economic opportunities. It proposes brief presentations of transverse actions (agreements, meetings, partnership in exhibitions, commitment in the COP21), and of actions regarding power grids, overseas territories, or the building sector. Some highlights related bio-energy sectors, geothermal energy, onshore wind energy, renewable marine energies and offshore wind energy, solar photovoltaic energy, hydroelectricity, or solar thermodynamic energy are mentioned. These highlights may concern legal, organisational, political or financial frameworks. Actions in the field of communication are indicated, and projects for 2016 are briefly indicated

  19. Is the corporate loan market globally integrated? a pricing puzzle

    OpenAIRE

    Mark S. Carey; Gregory P. Nini

    2004-01-01

    We offer evidence that interest rate spreads on syndicated loans to corporate borrowers are economically significantly smaller in Europe than in the U.S., other things equal. Differences in borrower, loan and lender characteristics associated with equilibrium mechanisms suggested in the literature do not appear to explain the phenomenon. Borrowers overwhelmingly issue in their natural home market and bank portfolios display significant home "bias." This may explain why pricing discrepancies a...

  20. Perceptions of Credibility of Male and Female Syndicated Political Columnists.

    Science.gov (United States)

    Andsager, Julie L.

    1990-01-01

    Examines perceptions of the credibility of male and female syndicated political columnists. Finds that college students exhibited little prejudice against female versus male bylines in political interpretive columns. Finds a small tendency for male readers to evaluate male bylines higher in stereotypical ways, but female readers do not do this.…

  1. Electricity syndicates; Les syndicats d'electricite

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2004-12-01

    The local power distribution authorities (electricity syndicates) negotiate with Electricite de France (EdF) about various dispositions relative to the supply of electric power, to the protection of environment, to the coordination of public works, to the energy mastery policy etc.. In general, the district, urban or town authorities are also project owners for works involving important investments. They carry out extension and aesthetic improvement of existing networks and can decide of the building of decentralized power generation units. They can also intervene in various domains like public lighting, computer systems, mapping, cable TV etc.. For 5% of French towns, the local power distribution companies manage the electric public utility. Thanks to their decentralized nature, these syndicates can directly adapt their services to the local expectations and are places of technical and social innovations. (J.S.)

  2. 5 CFR 1655.12 - Loan agreement.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...

  3. 76 FR 21716 - Record of Decision for Issuance of Loan Guarantees to Solar Partners I, LLC; Solar Partners II...

    Science.gov (United States)

    2011-04-18

    ....37 billion in loan guarantees to support the financing of the ISEGS project. The conditional... operation of this project were analyzed in the Proposed California Desert Conservation Area Plan Amendment... comments, which BLM incorporated. DOE determined that the project analyzed in the Final EIS was...

  4. The total costs of corporate borrowing in the loan market : dont ignore the fees

    OpenAIRE

    Berg, Tobias; Saunders, Anthony; Steffen, Sascha

    2016-01-01

    More than 80% of US syndicated loans contain at least one fee type and contracts typically specify a menu of spread and different types of fees. We test the predictions of existing theories about the main purposes of fees and provide supporting evidence that: (1) fees are used to price options embedded in loan contracts such as the draw-down option for credit lines and the cancellation option in term loans; and (2) fees are used to screen borrowers about the likelihood of exerc...

  5. Syndicate Innovation Venturing: Translating Academic Innovations into Commercial Successes

    Directory of Open Access Journals (Sweden)

    Alain A. Vertès

    2012-07-01

    Full Text Available Innovations that initiate new technology cycles, i.e., radical innovations, bring tremendous value to Society and build for the companies that deploy them sustainable competitive advantages. However, large firms have typically been relatively inefficient at accessing from academia or technology start-ups such technological leaps. Indeed, most multiyear and multimillion dollar academia-industry partnerships have historically not resulted in any acceleration of the rate of deployment of game-changing innovations, which empirically proceeds in 25 year cycles, such as for example the expansion of the scope of the pharmaceutical industry from small molecules to biologics, or, projecting into the future, to siRNA or therapeutic stem cell technologies. Syndicated innovation venturing is a new strategic partnering concept described here that brings together actors from different economic segments in a non zero-sum game as a means to facilitate seed-funding, with the aim to de-risk technologies while reducing initial financial exposures. A case study in the pharmaceutical industry suggests that alleviating this hurdle may provide an appropriate environment to improve the dynamics of academic technology transfer to the commercial phase. By contributing to the de-risking of the creation of novel biotechnology businesses, this novel mechanism could help speed up the commercialization of emerging technologies on a large scale. At a time when knowledge-based firms such as pharmaceutical companies attempt to revisit their innovation models to advance science, in spite of an environment of increasing risk-aversion, such responses could tilt the balance in favor of disruptive products and sustained corporate financial performance by removing common barriers to radical innovation deployment.

  6. Syndication of the earth system: the future of geoscience?

    International Nuclear Information System (INIS)

    Elliott, Scott M.; Hanson, Howard P.

    2003-01-01

    system may well become syndicated by those with the resources to effect large-scale management

  7. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

    Full Text Available A loan is probably the most important financial decision we make in life. In a time when lack of time affects us in every way, including financially, we can only appeal to specialists if we want fast, reliable and quality long-term services. „The notion of “creditor” includes all legal entities, branches of credit institution and nonbankingfinancial institutions that operate in Romania and grant or undertake to grant loans in itscommercial of professional activity”. In the case of loans, the "specialist" has been called loan broker. Loan broker is a person trained in intermediating bank loans who offers advice on choosing the best financial solutions for each client. Through partnerships with banks in Romania, the broker has access to their credit products and assist customers in choosing the loan that best suits their financial needs and possibilities. Moreover, the broker will help in preparing loan application to be submitted to the bank and pursue it to its completion. Loan broker can be defined as the person authorized by the bank or non-bank financial institutions to promote their products through direct contact with natural or legal persons wishing to contract a loan, without any of the parties to have exclusivity. There can be defined as an independent bank or non-bank financial institution, as an intermediary between customers and banks. Through its financial advisors , the company helps customers overcome the difficulty of understanding the credit products, difficulties arising from the multitude of factors that compose such a product, especially in the case of a housing loan or mortgage. Each financial institution is doing everything possible through such partnerships to attract the largest possible portfolio of clients, therefore is developing a real network of brokers to be partners for local or national level (depending on the sites coverage of the branches of each institution on one or more types of credit products. The

  8. Link About It: Information Asymmetry, Knowledge Pooling and Syndication in Project Finance Lending

    NARCIS (Netherlands)

    Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie

    2018-01-01

    In a collaborative setting, banks have an additional way to deal with asymmetric information between themselves and their borrowers: by pooling information. We explore the extent to which lead arrangers in the project finance syndicated lending market strategically choose their new partners in order

  9. Shall we dance? - An empirical analysis of management team in LBO syndication

    NARCIS (Netherlands)

    Wu, B.

    2009-01-01

    In this paper, we investigate how management team characteristics might influence LBO syndication decision, which might be able to alleviate risks and uncertainties arising from the pre-deal screening and the post-deal value-added services. By using a unique hand-collected dataset, we find that

  10. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

    When NUEXCO was organized in 1968, its founders conceived of a business based on uranium loans. The concept was relatively straightforward; those who found themselves with excess supplies of uranium would deposit those excesses in NUEXCO's open-quotes bank,close quotes and those who found themselves temporarily short of uranium could borrow from the bank. The borrower would pay interest based on the quantity of uranium borrowed and the duration of the loan, and the bank would collect the interest, deduct its service fee for arranging the loan, and pay the balance to those whose deposits were borrowed. In fact, the original plan was to call the firm Nuclear Bank Corporation, until it was discovered that using the word open-quotes Bankclose quotes in the name would subject the firm to various US banking regulations. Thus, Nuclear Bank Corporation became Nuclear Exchange Corporation, which was later shortened to NUEXCO. Neither the nuclear fuel market nor NUEXCO's business developed quite as its founders had anticipated. From almost the very beginning, the brokerage of uranium purchases and sales became a more significant activity for NUEXCO than arranging uranium loans. Nevertheless, loan transactions have played an important role in the international nuclear fuel market, requiring the development of special knowledge and commercial techniques

  11. RANCANG BANGUN APLIKASI PENGAMBILAN BERITA SECARA OTOMATIS MENGGUNAKAN CONTENT SYNDICATION BERBASIS XML DENGAN PLATFORM MICROSOFT .NET

    Directory of Open Access Journals (Sweden)

    Diana Purwitasari

    2004-01-01

    Full Text Available Normal 0 false false false IN X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Banyaknya kebutuhan akan informasi di internet menyebabkan penyedia jasa situs berita untuk memberikan berita yang selalu yang terbaru. Salah satu alternatif solusi adalah dengan melakukan content syndication. Content syndication adalah adalah proses dimana suatu isi berita dikirimkan atau disediakan, biasanya dengan biaya tertentu, dari penyedia berita, biasanya disebut originators, ke pasar yang membutuhkan atau subscribers. RSS (Rich Site Summary adalah format yang secara umum digunakan untuk melakukannya. RSS pada dasarnya adalah suatu file yang berada di suatu situs, yang menyediakan informasi tentang isi dari situs tersebut. File tersebut biasa disebut sebagai RSS Feeds dan dapat di ambil dan diolah untuk mendapatkan informasi tentang isi situs tersebut. Dibuat sebuah aplikasi untuk pengambilan situs berita secara otomatis menggunakan content syndication yang memerlukan aplikasi pada proses background untuk mengambil RSS Feeds secara berkala pada komputer yang berfungsi sebagai server. Server yang mengambil berita dari situs penyedia terdiri dari aplikasi yang mengatur konfigurasi berita tersebut, dan sebuah windows service untuk mengambil RSS feeds kemudian mengolahnya secara otomatis. Sedangkan aplikasi

  12. PENERAPAN METODE DISKUSI SYNDICATE GROUP UNTUK MENINGKATKANPEMAHAMAN MAHASISWAPADA KONSEP DASAR PENGANTAR ILMU EKONOMI

    Directory of Open Access Journals (Sweden)

    - Wahyono

    2009-06-01

    Full Text Available The objectives of this study are to improve the learning quality Introduction to Economics, to improve students’ spirit in learning, to improve lecturers’ skill in developing learning model and media and  also to improve students’ achievement in learning. This study was class action research consists of three cycles. Result of study showed students’ achievement was improving on each cycle. Students’ learning completeness before applying syndicate group discussion method was 0%, after applying syndicate group discussion group; students’ achievement after final test was 94%. Students’ interest, activeness and relationship in learning process with range 1-4, the result was good (3.2. Result of observation related to lecturers’ skill in managing the learning process which used map concept method with range1-4 showed a good result with average of cycle 1, cycle 2 and cycle 3 was 3.2. That score was the average of all aspects investigated on three cycles. Based on result of study, it was suggested that for lecturers of Introduction of Economics subject to apply syndicate group discussion method in teaching-learning process. This methodwas approved to improve students’ ability to analyze the case and understand the concepts of Introductions to Economics. This was because students are given opportunity to do research in the field related to the topic and then find the problems that will be discussed in the class. Thus, students are usual to think critically and analytically to face a case. And finally, students can find the topics concepts. Moreover, result of study can be applied for other subjects because this study gives the positive impact. Key words: Syndicate Group Discussion Method, Basic Concepts of Introduction to Economics.

  13. PENERAPAN METODE DISKUSI SYNDICATE GROUP UNTUK MENINGKATKANPEMAHAMAN MAHASISWAPADA KONSEP DASAR PENGANTAR ILMU EKONOMI

    Directory of Open Access Journals (Sweden)

    - Wahyono

    2011-05-01

    Full Text Available The objectives of this study are to improve the learning quality Introduction to Economics, to improve students’ spirit in learning, to improve lecturers’ skill in developing learning model and media and  also to improve students’ achievement in learning. This study was class action research consists of three cycles. Result of study showed students’ achievement was improving on each cycle. Students’ learning completeness before applying syndicate group discussion method was 0%, after applying syndicate group discussion group; students’ achievement after final test was 94%. Students’ interest, activeness and relationship in learning process with range 1-4, the result was good (3.2. Result of observation related to lecturers’ skill in managing the learning process which used map concept method with range1-4 showed a good result with average of cycle 1, cycle 2 and cycle 3 was 3.2. That score was the average of all aspects investigated on three cycles. Based on result of study, it was suggested that for lecturers of Introduction of Economics subject to apply syndicate group discussion method in teaching-learning process. This methodwas approved to improve students’ ability to analyze the case and understand the concepts of Introductions to Economics. This was because students are given opportunity to do research in the field related to the topic and then find the problems that will be discussed in the class. Thus, students are usual to think critically and analytically to face a case. And finally, students can find the topics concepts. Moreover, result of study can be applied for other subjects because this study gives the positive impact. Key words: Syndicate Group Discussion Method, Basic Concepts of Introduction to Economics.

  14. 404 water quality and syndicated lead burden of a community

    African Journals Online (AJOL)

    Osondu

    1993-12-30

    Dec 30, 1993 ... level water samples over the study period were, pH 6.7, TDS 66.0, TOC 2.3, NO3 ... High lead concentration as recorded in this study is a source of worry in view of the health .... analyses including pH, residual chlorine,.

  15. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Science.gov (United States)

    2010-10-01

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

  16. 7 CFR 1751.103 - Loan and loan advance requirements.

    Science.gov (United States)

    2010-01-01

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

  17. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

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

  18. Web Syndication Approaches for Sharing Primary Data in "Small Science" Domains

    Directory of Open Access Journals (Sweden)

    Eric C Kansa

    2010-06-01

    Full Text Available In some areas of science, sophisticated web services and semantics underlie "cyberinfrastructure". However, in "small science" domains, especially in field sciences such as archaeology, conservation, and public health, datasets often resist standardization. Publishing data in the small sciences should embrace this diversity rather than attempt to corral research into "universal" (domain standards. A growing ecosystem of increasingly powerful Web syndication based approaches for sharing data on the public Web can offer a viable approach. Atom Feed based services can be used with scientific collections to identify and create linkages across different datasets, even across disciplinary boundaries without shared domain standards.

  19. Deep brine recognition upstream the EBE syndicate. Geochemical and isotopic investigations. Final report

    International Nuclear Information System (INIS)

    2009-01-01

    The authors report and discuss the results obtained after performing a drilling upstream the drinkable water harnessing field of a water supply syndicate in Alsace (Ensisheim, Bollwiller and surroundings), in order to confirm the existence of a deep brine source. This brine is diluted by recent waters. The first isotopic investigations do not allow the origin of this brine to be identified, but fractures due to some seismic events are suspected. The report presents the drilling and the various aspects of the chemical and isotopic studies (sampling, physico-chemical analysis, dating, identification of various isotopes)

  20. Comments made by the Syndicate of renewable energies on the draft of orientation law about energies

    International Nuclear Information System (INIS)

    2003-12-01

    This document presents the proposals of modifications and the comments made by the French syndicate of renewable energies (SER) about the draft of energy law proposed by the government in November 2003. The document is presented as 3 columns with the original text of the law, the modifications proposed by the SER and their observations. The comments of the SER concern only the promotion of development and use of renewable energy sources, the energy saving certificates and the development of bio-fuels. (J.S.)

  1. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

    For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…

  2. Syndicated Investing in Private Equity and Venture Capital Industry: Comparing BRICS

    Directory of Open Access Journals (Sweden)

    Lucas V.B. Martins

    2015-04-01

    Full Text Available Objective. This article characterizes and compares the networks structure formed by Managing Organizations (GOs Private Equity and Venture Capital (PE&VC that co-invested in the so called BRICS countries.Methodology. The methodology used consists of PE or VC transactions with target companies based on the BRICS and involving more than one investor, or “syndicated investing”, between 1992 and 2013.Findings. The analysis revealed that the social structure in these countries is highly clustered, showing the existence of small worlds in all markets studied, yet under different intensities. This type of structure stimulates the flow of information impacting access to business opportunities. The results suggest that, when dealing with networks of PE&VC investors, one should consider the particularities of BRICS, which are not homogeneous from the perspective of network analysis.Limitations. This study considers only data from transactions originated and the effect known as BRICS.Originality/Value. This article offers unique contribution in that it explores Syndicated Investing in understudied markets, employing a methodology that provides new results. Copyright © 2015 Instituto Brasileiro de Inovação Financeira All rights reserved

  3. 32 CFR 623.5 - Loan of arms and accouterments.

    Science.gov (United States)

    2010-07-01

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

  4. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

    ... writing at least 10 days prior to the proposed disbursement date in order to ensure timely receipt of the... Loan shall establish necessary accounting records, consistent with local government's financial... examination, have access to any books, documents, papers, and records that pertain to Federal funds...

  5. Iraq Radiosonde Launch Records

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Iraqi upper air records loaned to NCDC from the Air Force 14th Weather Squadron. Scanned notebooks containing upper air radiosonde launch records and data. Launches...

  6. Entrance Counseling Guide for Direct Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

  7. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

    As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…

  8. Philippines: Population: USAID loan.

    Science.gov (United States)

    The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.

  9. 5 CFR 1655.3 - Information concerning the cost of a loan.

    Science.gov (United States)

    2010-01-01

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

  10. 76 FR 16477 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

    Science.gov (United States)

    2011-03-23

    ... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR... the savings association), 12 CFR 584.1(f) (books and records of each savings and loan holding company...

  11. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

    ... DEPARTMENT OF EDUCATION [Docket No. ED-2013-ICCD-0109] Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan (Direct Loan) Program Federal Direct PLUS Loan Master... to this notice will be considered public records. Title of Collection: William D. Ford Federal Direct...

  12. Community syndicalism for the United States: preliminary observations on law and globalization in democratic production

    Directory of Open Access Journals (Sweden)

    Kenneth M. Casebeer

    2012-05-01

    Full Text Available The Great Recession resulting from the globalization of Finance Capitalism created two structural labor crises for developed economies: 1 The channeling of substantial investment into non-productive, paper commodities, reducing growth of production for use and therefore reducing available aggregate job creation; and 2 The continued exportation of industrial jobs to other lower cost jurisdictions, and outsourcing, automation, just-in-time production, and speed-ups associated with global supply chains. As a result, local communities and regional populations have destabilized and even collapsed with attendant social problems. One possible response is Community Syndicalism – local community finance and operating credit for industrial production combined with democratic worker ownership and control of production. The result would increase investment directly for production, retain jobs in existing population centers, promote job skilling, and retain tax bases for local services and income supporting local businesses, at the same time increasing support for authentic political democracy by rendering the exploitive ideology of the Public/Private distinction superfluous. Slowing job exportation may reduce the global race to the bottom of labor standards and differential wage rates reducing the return to producers of value and increasing the skew of income distribution undermining social wages and welfare worldwide. Community Syndicalism can serve as moral goal in an alternative production model focusing incentives on long term stability of jobs and community economic base. La Gran Recesión que ha traído la globalización del capitalismo financiero ha dado lugar a dos crisis laborales estructurales en las economías desarrolladas: 1 El destino principal de la inversión hacia bienes no productivos, reduciendo la producción de bienes de consumo, y reduciendo también las posibilidades de creación de puestos de trabajo, y 2 el traslado de puestos de

  13. 76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-12-20

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...

  14. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...

  15. 7 CFR 1951.881 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  16. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

    African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...

  17. Bad Loans and Loan Write-Offs

    OpenAIRE

    福田, 慎一; 鯉渕, 賢

    2006-01-01

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

  18. 7 CFR 1710.50 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...

  19. 7 CFR 1710.51 - Direct loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...

  20. 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...

  1. 5 CFR 1655.14 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...

  2. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...

  3. 13 CFR 400.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...

  4. 7 CFR 764.401 - Loan decision.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...

  5. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...

  6. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...

  7. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

  8. 7 CFR 1710.406 - Loan approval.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...

  9. 13 CFR 500.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...

  10. 7 CFR 1710.113 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...

  11. 7 CFR 1735.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...

  12. 7 CFR 762.121 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...

  13. 7 CFR 1738.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...

  14. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...

  15. Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Department of Education, Washington, DC.

    Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…

  16. Private Loans: Facts and Trends

    Science.gov (United States)

    Institute for College Access & Success, 2014

    2014-01-01

    Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…

  17. Financial Statements as Monitoring Mechanisms: Evidence from Small Commercial Loans

    OpenAIRE

    Minnis, Michael; Sutherland, Andrew Gordon

    2016-01-01

    Using a data set that records banks’ ongoing requests of information from small commercial borrowers, we examine when banks use financial statements to monitor borrowers after loan origination. We find that banks request financial statements for half the loans and this variation is related to borrower credit risk, relationship length, collateral, and the provision of business tax returns, but in complex ways. The relation between borrower risk and financial statement requests has an inverted ...

  18. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

  19. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

    The offer of the United States to loan Californium-252 sources to the IAEA was made by Dr. Glenn T. Seaborg, then chairman of the USAEC, in his opening statement at the 15th. General Conference of the IAEA held in Vienna in 1971. The purpose of this loan was to make neutron emitting sources available to universities in the Member States for use in educational programmes. The sources, in the form of small needles designed for medical use in radiation therapy, were judged highly suitable for didactic applications due to their small size, limited activity and well documented radiological parameters. Subsequently, in May 1973, the Director General announced the availability of the Californium sources to the Member States. To date, numerous sources have been loaned to universities in Czechoslovakia, Costa Rica, the Federal Republic of Germany, Ghana, India, Iran, Israel, Japan, South Africa, Switzerland, the United Kingdom and Uruguay; additional applications for loans are being processed. It is anticipated that the loan programme will be terminated in 1975 once all the available sources have been distributed. n order to provide guidance for the Member States on the safe exploitation of these sources, a prototype use and storage facility was designed by IAEA staff of the Dosimetry Section of the Division of Life Sciences, and constructed at the IAEA laboratory in Seibersdorf, Austria. Figures 2-5 illustrate some of the details of this container, which is being given to the Ghana Nuclear Centre in support of a training programme for students at the university in Accra. Further advice to users of these sources will be provided by the publication of an instructional syllabus, a laboratory manual for experiments and the safety precautions inherent in the proper handling of neutron emitting radionuclides, authored by Professors Erich J. Hall and Harald H. Rossi of Columbia University. The syllabus and manual will be published as part of the IAEA Technical Series in September

  20. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

    Full Text Available Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using survey data collected on more than 6,000 individuals, we examine the frequency of loan aversion in three distinct populations. Depending on the measure, between 20 and 40% of high school seniors exhibit loan aversion with lower rates among community college students and adults not in college. Women are less likely to express loan-averse attitudes than men, and Hispanic respondents are more likely to be loan averse than White respondents.

  1. 7 CFR 1610.4 - Loan applications.

    Science.gov (United States)

    2010-01-01

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

  2. 24 CFR 201.41 - Loan servicing.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...

  3. 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...

  4. 7 CFR 770.5 - Loan limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...

  5. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...

  6. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...

  7. 7 CFR 771.5 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...

  8. 7 CFR 774.22 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...

  9. 7 CFR 1980.310 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...

  10. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...

  11. 24 CFR 201.10 - Loan amounts.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...

  12. 7 CFR 771.13 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...

  13. 5 CFR 1655.21 - Loan fee.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...

  14. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...

  15. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

    In this paper we investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood-level data on racial and ethnic characteristics for metropolitan areas in California and Florida. Using a model of rate determination that accounts for predicted loan performance, we evaluate the presence of disparate impact and dispar...

  16. Public notice no. 23/77, concerning the application for a license to establish a rationalisation syndicate for nuclear fuel supply

    International Nuclear Information System (INIS)

    1977-01-01

    The public utilities Badenwerk AG, EVS, VEW, ELEKTROMARK (Hagen), Neckarwerke (Esslingen) and TW (Stuttgart) applied for a licence in order to conclude a syndicate contract according to article 5 paragraph 2 and 3 of the Corporation Law. The contract provides cooperation in the field of acquisition of nuclear fuel. The partners involved founded the 'Gesellschaft fuer Kernbrennstoff mbH (GKB) [Nuclear Fuel Company Limited] with a registered seat in Bonn. Essential contents of the contract is given in full. (HP) [de

  17. 27 CFR 6.61 - Guaranteeing loans.

    Science.gov (United States)

    2010-04-01

    ... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...

  18. 24 CFR 200.25 - Supplemental loans.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...

  19. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The maximum loan amount will be 100 percent of the allowable total development costs of on-farm labor housing and...

  20. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...

  1. 78 FR 45515 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-07-29

    ... DEPARTMENT OF EDUCATION [Docket No.: ED-2013-ICCD-0099] Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan Program Repayment Plan Selection Form AGENCY... notice will be considered public records. Title of Collection: William D. Ford Federal Direct Loan...

  2. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

    ...; Comment Request; William D. Ford Federal Direct Loan Program (DL) Regulations AGENCY: Department of... in response to this notice will be considered public records. Title of Collection: William D. Ford.... Abstract: The William D. Ford Federal Direct Loan Program regulations cover areas of program administration...

  3. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-01-01

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

  4. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

    In “Using Collateral to Secure Loans,” Yaron Leitner asks: Why is collateral used to secure some loans, but not others? And why does collateral potentially involve more risk? He considers these questions, looking at some of the explanations for using collateral, focusing on its benefits and drawbacks.

  5. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

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

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

    Science.gov (United States)

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

    This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…

  7. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

    ... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...

  8. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

    ... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...

  9. 77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2012-03-07

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...

  10. 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. ...

  11. 7 CFR 1980.481 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...

  12. 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. ...

  13. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...

  14. 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...

  15. 44 CFR 206.371 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...

  16. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...

  17. 5 CFR 1620.35 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...

  18. 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...

  19. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...

  20. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...

  1. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...

  2. 7 CFR 771.15 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...

  3. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

    ... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...

  4. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

    ... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...

  5. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

  6. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  7. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...

  8. A new Loan-Stock Financial Instrument

    OpenAIRE

    Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri

    2000-01-01

    A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...

  9. 76 FR 33121 - Record Retention for Regulated Entities and Office of Finance

    Science.gov (United States)

    2011-06-08

    ...The Federal Housing Finance Agency is issuing a final regulation to set forth record retention requirements for the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Federal Home Loan Banks, and the Office of Finance.

  10. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...

  11. Management of financial records at the Marondera Municipality in ...

    African Journals Online (AJOL)

    Ngulup

    Previous research demonstrated that public sector records were of ... vi) Loans for capital works from central government through the National Housing Fund in .... a record: identification of records, intellectual control of them, provision of ...

  12. 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.

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

    African Journals Online (AJOL)

    Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.

  14. The emergence of the work class "family farmer" as individuals with rights in the path of the Brazilian rural syndicalism A emergência dos "agricultores familiares" como sujeitos de direitos na trajetória do sindicalismo rural brasileiro

    Directory of Open Access Journals (Sweden)

    Everton Lazzaretti Picolotto

    2009-01-01

    Full Text Available The process of the family farmers' recognition as individuals with rights demonstrates having their first roots, in spite of being recent, if compared to the history of the Brazilian rural syndicalism, still in the constitution of the labor-syndical legislation in 1930. Therefore, seeking to explore that process the present paper has as objective to analyze the family farmers' emergence as individuals of rights in the contemporary Brazilian society, analyzing the processes of formation of the rural syndicalism and the expansion of the labor law for the rural workers as a form of accomplishment of a "regulated citizenship" until the decade of 1970; the urge to the official syndicalism, the structuring of a "new syndicalism" and the new social actors' appearance in the field, which made possible the enlargement of the citizenship spaces in the period of re-democratization in Brazil; the "crisis" of the new syndicalism, the creation of new syndical structures "apart" of the official structure (syndicalism of the family agriculture and the emergency of the "family farmers" as subject of rights in the recent periodO processo de reconhecimento dos agricultores familiares como sujeitos de direitos apesar de ser recente quando pensado a partir da trajetória do sindicalismo rural brasileiro demonstra ter suas primeiras raízes ainda na constituição da legislação trabalhista-sindical dos anos de 1930. Visando explorar esse processo o artigo tem por objetivo analisar a emergência dos agricultores familiares como sujeitos de direitos na sociedade brasileira contemporânea. Analisa-se os processos de formação do sindicalismo rural e de expansão da legislação trabalhista para os trabalhadores rurais como forma de realização de uma "cidadania regulada" até a década de 1970; o questionamento do sindicalismo oficial, a estruturação de um "novo sindicalismo" e a emergência de novos atores sociais no campo, que possibilitaram a ampliação dos

  15. 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...

  16. Discriminant Analysis of Student Loan Applications

    Science.gov (United States)

    Dyl, Edward A.; McGann, Anthony F.

    1977-01-01

    The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)

  17. Financial Management: Emergency Steel Loan Guarantee Program

    National Research Council Canada - National Science Library

    2001-01-01

    In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...

  18. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...

  19. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

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

  20. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...

  1. 75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-09-16

    ...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...

  2. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

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

  3. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

    ... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...

  4. 7 CFR 771.14 - Loan monitoring.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...

  5. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

    While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

  6. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...

  7. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...

  8. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

    Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.

  9. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  10. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  11. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

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

    2011-01-01

    Loan rates for seemingly identical borrowers often exhibit substantial dispersion. This paper investigates the determinants of the dispersion in interest rates on loans granted by banks to small and medium sized enterprises. We associate this dispersion with the loan officers’ use of “discretion” in

  12. 7 CFR 761.8 - Loan Limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...

  13. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...

  14. 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…

  15. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  16. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

    ... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...

  17. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...

  18. Interlibrary Loan Communications Subsystem: Users Manual.

    Science.gov (United States)

    OCLC Online Computer Library Center, Inc., Dublin, OH.

    The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…

  19. EL NACIONAL-SINDICALISMO ESPAÑOL COMO PROYECTO ECONÓMICO-SOCIAL = THE SPANISH NATIONAL SYNDICALISM AS A SOCIO-ECONOMIC PROJECT

    Directory of Open Access Journals (Sweden)

    Miguel Ángel Perfecto

    2015-12-01

    Full Text Available El Nacional-Sindicalismo fue la propuesta política y económico-social del fascismo español que se desarrolla en España a partir de 1931 por obra de Ramiro Ledesma Ramos, fundador de las Juntas de Ofensiva Nacional Sindicalista, continúa con Falange española de José Antonio Primo de Rivera y finaliza con el régimen del general Franco. El ensayo que presentamos estudia el pensamiento económico de los fundadores del fascismo español y su influencia en la formación del primer franquismo. El trabajo se estructura en tres partes, en la primera abordaremos las características esenciales del fascismo español; en segundo lugar nos centraremos en el pensamiento económico-social de los ideólogos del fascismo en España y terminaremos con el análisis del papel económico-social del sindicalismo vertical españolNational syndicalism was the political and socio-economic proposal of Spanish fascism that developed in Spain from 1931 through the work of Ramiro Ledesma Ramos, founder of the National Syndicalist Offensive Juntas. National syndicalism continued with the Spanish Falange of Jose Antonio Primo de Rivera, and culminated in the regime of General Franco. The present paper studies the economic thinking of the founders of Spanish fascism and their influence on the formation of the early Franco regime. The paper is divided into three parts. The first part addresses the essential characteristics of Spanish fascism. The second part focuses on the economic and social thought of the ideologues of fascism in Spain. And the third part ends with an analysis of the economic and social role of the Spanish vertical syndicalism.

  20. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

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

  1. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

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

  2. Microcomputers: An Interlibrary Loan Application.

    Science.gov (United States)

    Evans, Elizabeth A.

    1984-01-01

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

  3. Bank Consolidation and Consumer Loan Interest Rates

    OpenAIRE

    Charles Kahn; George Pennacchi; Ben Sopranzetti

    2001-01-01

    The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...

  4. 5 CFR 1630.11 - Requirements for requests to amend records.

    Science.gov (United States)

    2010-01-01

    ..., investment allocation, interfund transfers, loans, loan repayments, and withdrawals Write to TSP record..., retirement code, address, loan repayments, the amount of participant's contribution, amount of the Government... listed in § 1630.4. The words “Privacy Act—Request to Amend Record” should be written on the letter and...

  5. IREDA guidelines for loan assistance

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    Indian Renewable Energy Development Agency Ltd. (IREDA) is a public sector undertaking of the Government of India. It was established in 1987 and works under Department of Non-Conventional Energy Sources (DNES). Its functions are to promote, develop and finance new and renewable sources of energy (NRSE). Guidelines for loan assistance from IREDA for different renewable energy sources are given. (M.G.B.)

  6. Gender and banking : Are women better loan officers?

    NARCIS (Netherlands)

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

    2013-01-01

    Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers’ performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by

  7. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

    ...-disbursement loan requirements. (a) Discovery of misstatements of fact. If, after a loan has been made, the lender discovers any material misstatement of fact or that the loan proceeds have been misused by the... insurance of the loan shall not be affected unless such material misstatement of fact or misuse of loan...

  8. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.56 Scheduling loan closing. The agency, in coordination with the closing agent, will arrange a loan closing and send loan closing instructions, on an agency form to the closing agent when the agency determines that the...

  9. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

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

  10. 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...

  11. 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...

  12. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...

  13. 24 CFR 201.51 - Proceeding against the loan security.

    Science.gov (United States)

    2010-04-01

    ....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...

  14. 7 CFR 1735.46 - Loan security documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...

  15. 7 CFR 1718.104 - Availability of model loan contract.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...

  16. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

    ... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...

  17. HUD PowerSaver Pilot Loan Program

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2010-12-10

    The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.

  18. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...

  19. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    ..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...

  20. Collateralised loan obligations (CLOs): A primer

    OpenAIRE

    Jobst, Andreas A.

    2002-01-01

    The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...

  1. Collateral in Loan Classification and Provisioning

    OpenAIRE

    In W Song

    2002-01-01

    Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...

  2. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

    This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject...... potentially other explanations such as firm characteristics or agency problems between the lender and firm management, shareholders or public debtholders. After covenant violations in the prior contract, new loans have on average 18 bps higher spreads and include more of those covenant types which also have...

  3. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...

  4. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

    ...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...

  5. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...

  6. 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…

  7. 76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date

    Science.gov (United States)

    2011-07-19

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...

  8. 78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

    Science.gov (United States)

    2013-01-04

    ... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...

  9. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan purposes, maximum loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...

  10. 7 CFR 773.21 - Loan decision, closing, and fees.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...

  11. Gender and Banking: Are Women Better Loan Officers?

    OpenAIRE

    Thorsten Beck; Patrick Behr; Andre Guettler

    2013-01-01

    We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or exp...

  12. The determinants of loan contracts to business firms

    OpenAIRE

    Pham, Thi Thu Trà; Lensink, Robert

    2006-01-01

    This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan contract terms. Also, we try to determine which firm characteristics and exogenous factors are rele...

  13. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

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

  14. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

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

  15. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

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

  16. Reactor upgrade loans in spring?

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    The European Bank for Reconstruction and Development (EBRD) could start to make loans for immediate safety improvements on eastern European reactors in the first half of 1993, according to Francois Demarcq, the bank's project manager for the nuclear safety account. He reported to the German Atomforum meeting in Bonn on January 26; progress at last seems to be forthcoming on the proposals for urgent assistance put forward last year by the Group of 24 Organization for Economic Cooperation and Development countries in Lisbon last June and the Group of 7 summit meeting in Bonn in July

  17. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

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

  18. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

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

    African Journals Online (AJOL)

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

  20. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.34 Section 4043.34 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  1. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of the firm's future financial position, such as market studies, country and industry economic forecasts... principal of the loan. (d) Contingent liability interest-free loans—(1) Treatment as loans. In the case of...

  2. 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.

  3. 19 CFR 351.506 - Loan guarantees.

    Science.gov (United States)

    2010-04-01

    ... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.506 Loan guarantees. (a) Benefit—(1) In general. In the case of a loan guarantee, a benefit exists to the extent that the total amount a firm pays for...

  4. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing...

  5. 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...

  6. Uranium loans: Delaying the day of reckoning

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases? For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At current prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible

  7. Logit Analysis for Profit Maximizing Loan Classification

    OpenAIRE

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

    1988-01-01

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

  8. 44 CFR 206.367 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan repayment. 206.367 Section 206.367 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in...

  9. 78 FR 33755 - Project Financing Loans

    Science.gov (United States)

    2013-06-05

    ... CFR Part 1710 [0572-AC21] Project Financing Loans AGENCY: Rural Utilities Service, USDA. ACTION... also considering regulations to clarify the agency's procedures for single asset/project financing... parameters necessary to more effectively and prudently use project financing in the RUS electric loan program...

  10. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

    ... to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1515 Loan... 42 Public Health 1 2010-10-01 2010-10-01 false Loan closing. 57.1515 Section 57.1515 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING...

  11. White paper on renewable energies. Choices to found our future. The contribution of renewable energy syndicate to the debate related to the energy policy

    International Nuclear Information System (INIS)

    Bal, J.L.

    2012-02-01

    In this document the Renewable Energy Syndicate proposes a road map to boost the French industrial dynamics and meet the challenges of world energy transition. The authors outline the strong growth of the renewable energy market despite the crisis context, and that France can be in the pace. They propose a road map for the 2020-2030 period, and highlight the need to build up a strategy. In a second part, twelve propositions are made to boost the ground-based wind energy, to develop offshore wind and marine energy, to rebuild the photovoltaic sector, to take advantage of hydroelectricity assets, to extent the development of renewable heat (biomass, geothermal, thermal solar energy), to place renewable energies at the heart of the building and struggle against fuel poverty, to create new industrial sectors, to exploit all biomass energy potentials, to facilitate the input of renewable energies on electric grids, to reach energy autonomy in ultramarine areas, to consolidate the renewable energy industry, and to aim at an international development

  12. 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...

  13. 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...

  14. 12 CFR 561.30 - Nonresidential construction loan.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 561.30 Nonresidential construction loan. The term nonresidential construction loan means a loan for construction of other than one or more dwelling units. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nonresidential construction loan. 561.30...

  15. 7 CFR 1421.104 - Marketing assistance loan making.

    Science.gov (United States)

    2010-01-01

    ... cost for terminating the financing statement for marketing assistance loans disbursed under paragraph... 7 Agriculture 10 2010-01-01 2010-01-01 false Marketing assistance loan making. 1421.104 Section... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance...

  16. 7 CFR 1610.5 - Minimum Bank loan.

    Science.gov (United States)

    2010-01-01

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

  17. 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...

  18. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan... intentions to receive a loan deficiency payment on the identified commodity or (ii) A completed request for a... cotton based on a locked-in adjusted world price, provide identifying numbers for modules or other...

  19. 42 CFR 57.213a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57... Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... credited to this insurance fund), and used only to reimburse the school for the institutional share of any...

  20. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

    .... Ford Federal Direct Loan Program; Interim Final Rule #0;#0;Federal Register / Vol. 78, No. 95... [Docket ID ED-2013-OPE-0066] RIN 1840-AD13 William D. Ford Federal Direct Loan Program AGENCY: Office of... Secretary amends the William D. Ford Federal Direct Loan Program (Direct Loan Program) regulations to...

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

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

    The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…

  2. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…

  3. 7 CFR 1436.8 - Security for loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Security for loan. 1436.8 Section 1436.8 Agriculture... Security for loan. (a) Except as agreed to by CCC, all loans must be secured by a promissory note and... prior lien holders. (2) A loan will be considered to be adequately secured when the real estate security...

  4. 7 CFR 160.74 - Loan of standards without security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards without security. 160.74 Section 160... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.74 Loan of standards without security. Duplicates of the United States Standards for rosin may be loaned without deposit of...

  5. 7 CFR 766.112 - Additional security for restructured loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Additional security for restructured loans. 766.112..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs § 766.112 Additional security for restructured loans. (a) If the borrower is delinquent prior to restructuring, the...

  6. 24 CFR 1007.30 - Security for loan.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Security for loan. 1007.30 Section... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.30 Security for loan. (a) In general. A... Lands is used as collateral or security for the loan, the following additional provisions apply: (1...

  7. 7 CFR 1421.113 - Recourse marketing assistance loans.

    Science.gov (United States)

    2010-01-01

    ... assistance loan collateral may not be delivered or forfeited to CCC in satisfaction of the loan indebtedness... 7 Agriculture 10 2010-01-01 2010-01-01 false Recourse marketing assistance loans. 1421.113 Section... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND SIMILARLY HANDLED...

  8. 49 CFR 22.57 - Loan reporting requirements.

    Science.gov (United States)

    2010-10-01

    ... indicates the date in which the loan has been activated/funded. The form is available at http://www.osdbu... repayment of the STLP loan, or upon expiration of the loan guarantee. The form is available at http://www... Report and form DOT F 2305-1 Guaranty Loan Status Report. These forms are available at http://www.osdbu...

  9. 13 CFR 120.400 - Loan Guarantee Agreements.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan Guarantee Agreements. 120.400 Section 120.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders § 120... specific proposed loan that a Lender may submit. The existence of a Loan Guarantee Agreement does not limit...

  10. 24 CFR 510.1 - Multi-family property loans.

    Science.gov (United States)

    2010-04-01

    ... any partnership which is a borrower on a section 312 loan shall be personally liable for repayment of the section 312 loan. Limited partners shall assume personal liability by co-signing the loan note as... not relieve the partnership or corporate borrower from securing the section 312 loan by a mortgage or...

  11. 13 CFR 120.546 - Loan asset sales.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....546 Loan asset sales. (a) General. Loan asset sales are governed by § 120.545(b)(4) and by this... consented to SBA's sale of the loan (guaranteed and unguaranteed portions) in an asset sale conducted or...

  12. 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,…

  13. 77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

    Science.gov (United States)

    2012-06-14

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

  14. 75 FR 69454 - Emergency Homeowners' Loan Program: Notice of Allocation of Funding for Substantially Similar...

    Science.gov (United States)

    2010-11-12

    ... assistance and provide security for such repayment by recordation of a HUD mortgage as a junior lien on the... current first lien mortgage loan payments for which the homeowner remains responsible. IV. Submission of.... Nondiscrimination and Civil Rights Requirements States operating existing programs that provide substantially...

  15. 24 CFR 203.477 - Certificate by lender when loan assigned.

    Science.gov (United States)

    2010-04-01

    ... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.477... a good right to assign. (c) The mortgage transaction did not involve a first mortgage and the mortgage is prior to all mechanics' and materialmen's liens filed of record, regardless of when such liens...

  16. 7 CFR 1951.230 - Transfer of security and assumption of loans.

    Science.gov (United States)

    2010-01-01

    ... reflected in Finance Office records. (2) If the loan is evidenced and secured by a bond, procedures will be... of the borrower's counsel and OGC. The interest rate will be the rate currently reflected in Finance... Public Law 103-354 office), and will be added to the basic fee. (ii) Transfer fees will be deposited in...

  17. 24 CFR 213.270 - Supplementary loans; election of action; claims; debentures.

    Science.gov (United States)

    2010-04-01

    ... desires to pursue. (b) Maximum claim period. Notice of intention to file claim on a form prescribed by the... filed on submitting claim. Within 30 days after the filing of the notice of intention to file claim, or...) All records, ledger cards, documents, books, papers and accounts relating to the loan transaction; (10...

  18. Shopping Center Financing: Pricing Loan Default Risk

    OpenAIRE

    Peter Chinloy; James Musumeci

    1994-01-01

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

  19. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ..., or Direct Loan Program, excluding PLUS loans made under the FFEL and Direct Loan Programs to parents... that repaid a parent PLUS loan. Employee means an individual who, under Federal tax law, is considered... Internal Revenue Code. Involuntary separation due to misconduct means termination from [[Page 39001...

  20. Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

    This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...

  1. 7 CFR 1435.3 - Maintenance of records.

    Science.gov (United States)

    2010-01-01

    ... Maintenance of records. (a) Each sugar beet processor, sugarcane processor, importer of sugars, syrups and... less than 3 years from the date: (1) A loan is disbursed under subpart B; (2) Market data are reported...

  2. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the

  3. 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....

  4. 24 CFR 570.705 - Loan requirements.

    Science.gov (United States)

    2010-04-01

    ... taxation as provided in section 108(j) of the Act. (f) Loan repayment period. The term of debt obligations..., shall preclude or limit HUD's exercise of: (1) The power to contract with respect to public offerings...

  5. 7 CFR 1980.411 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    .... (14) Acquisition of membership and/or stocks, bonds, or debentures necessary to obtain a loan from... that produce biomass fuel or biogas as an output must have completed two operating cycles at design...

  6. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

    ... assets for a stated period of time, and the proposed means of financing the expenditures. For loan... within sixty days of the date of the disapproval. Decision by the Assistant Administrator for the...

  7. A New Opportunity: Loans from Annuities.

    Science.gov (United States)

    Salzarulo, W. Peter

    1984-01-01

    Many faculty members have tax sheltered annuities (TSA). One method of obtaining the use of the funds in a TSA involves treating the amount received from the TSA as a loan rather than as a taxable withdrawal or distribution. (MLW)

  8. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

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

  9. Loans may keep CERN collider on target

    CERN Multimedia

    Abbott, A

    1996-01-01

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

  10. 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.

  11. LOANS PROVIDED BY CHINESE GOVERNMENT: OPPORTUNITIES AND RISKS FOR THE REPUBLIC OF MOLDOVA

    Directory of Open Access Journals (Sweden)

    Marina SOLOVIOVA

    2016-01-01

    Full Text Available As external development partners have put on hold their financial support for Moldova, contracting loans from China sparks an increasing interest. Because debates on this topic take place with very little information available, in this article we have made a synthesis of official data disseminated by the Chinese authorities, estimations made by the OECD and other organizations, records from the archive of the National Bank of Moldova, documents from the state register of legal acts, as well as of data published by the press. The results show that, although loans provided by the Chinese government are not an alternative to the loans offered by the IMF and other traditional creditors for budget and balance of payments support, they have a range of peculiar advantages and can be a convenient means of financing projects in the area of energy, industry, and agriculture.

  12. Poder público e sindicato: um olhar à privatização das centrais elétricas do Pará Public power and syndicalism: looking to the privatization of the electric centrals from Pará

    Directory of Open Access Journals (Sweden)

    Andréa Bittencourt Pires Chaves

    2009-04-01

    Full Text Available Este estudo aborda o sindicalismo dos Urbanitários diante do programa brasileiro de privatização. Buscando compreender este processo, discute o contexto neoliberal que implementa as privatizações no Brasil, as falácias que envolvem os números apresentados pelo governo brasileiro em relação aos benefícios provocados aos cofres públicos com a venda de estatais e o papel de estatais estrangeiras na compra de estatais brasileiras para então olhar a resistência do Sindicato dos Urbanitários e as ações do poder público estadual responsáveis pela demissão de trabalhadores para sanear a empresa no processo de privatização das Centrais Elétricas do Pará. A construção do texto foi realizada a partir de levantamento bibliográfico e documental, assim como entrevistas com lideranças sindicais. Palavras-chave: Trabalho. Sindicato. Privatização. This study approaches the Urbanists syndicalism in front of the Brazilian program of privatizations. In search of understanding this process, the discussion focuses on the neoliberal context which implements the Brazilian privatizations, the lies involved in the numbers presented by the government about the benefits to the public safes with the selling of State companies and the role of foreign State companies in this buying process, so that we can see the Urbanists Syndicalism resistance and also the actions of the Public State power responsible by the workers unemployment to make provisions for the companies inside the privatization process of the Electrical Centrals from Pará. The text was written trough biographic and documental research, and also by interviews with Syndicalism’s leaderships. Keywords: Work. Syndicalism. Privatization.

  13. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

    ..., this new approach will give our customers increased flexibility to find and deploy technology that... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of elimination of the...

  14. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...

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

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

    For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…

  16. 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…

  17. Comments made by the Syndicate of renewable energies on the draft of orientation law about energies; Observations du Syndicat des energies renouvelables a l'avant-projet de loi d'orientation sur les energies

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2003-12-01

    This document presents the proposals of modifications and the comments made by the French syndicate of renewable energies (SER) about the draft of energy law proposed by the government in November 2003. The document is presented as 3 columns with the original text of the law, the modifications proposed by the SER and their observations. The comments of the SER concern only the promotion of development and use of renewable energy sources, the energy saving certificates and the development of bio-fuels. (J.S.)

  18. Investigating on effects of different granting loans on bank deposits

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

    Full Text Available This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34, followed by Sales loans (0.24, contract quantity loans (0.21 and Zero-interest loans (0.16 and Future contract loans (0.14 come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.

  19. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

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

  20. 13 CFR 123.12 - Are books and records required?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Are books and records required... PROGRAM Overview § 123.12 Are books and records required? You must retain complete records of all... disaster business or economic injury loan, you must also maintain current and accurate books of account...

  1. 38 CFR 36.4524 - Sale of loans.

    Science.gov (United States)

    2010-07-01

    ... regulations concerning direct loans to veterans as may be inconsistent therewith or variant therefrom shall no... Veterans Affairs may issue a guaranty in connection therewith within the maximums applicable to loans...

  2. 7 CFR 1710.119 - Loan processing priorities.

    Science.gov (United States)

    2010-01-01

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

  3. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

    ... all provisions of its RUS loan contract, its outstanding notes issued to RUS, and the RUS mortgage. (b... making prepayments on any loans pursuant to the RE Act in accordance with the terms thereof or as may be...

  4. 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...

  5. Economic and Social Aspects of the Old Assyrian Loan Contract

    OpenAIRE

    Michel , Cécile

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  7. 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

  8. 50 CFR 12.36 - Donation or loan.

    Science.gov (United States)

    2010-10-01

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

  9. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...

  10. 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

  11. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  13. Gender and Banking : Are Women Better Loan Officers?

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    Science.gov (United States)

    Westfall, Elizabeth W.; Zimmerman, Anne R.

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

  15. 76 FR 35085 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-06-15

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...

  16. 76 FR 20459 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-04-12

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...

  17. Bank loan portfolios and the Canadian monetary transmission mechanism

    NARCIS (Netherlands)

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

    2009-01-01

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

  18. 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...

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

    African Journals Online (AJOL)

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

  20. Loan Market Competition and Bank Risk-Taking

    NARCIS (Netherlands)

    Wagner, W.B.

    2007-01-01

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

  1. 26 CFR 1.141-5 - Private loan financing test.

    Science.gov (United States)

    2010-04-01

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

  2. 7 CFR 761.209 - Loan funds for beginning farmers.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan funds for beginning farmers. 761.209 Section 761... Funds to State Offices § 761.209 Loan funds for beginning farmers. Each fiscal year, the Agency reserves a portion of direct and guaranteed FO and OL loan funds for beginning farmers in accordance with...

  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. 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...

  5. 13 CFR 120.1707 - Seller's retained Loan Interest.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's retained Loan Interest. 120.1707 Section 120.1707 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1707 Seller...

  6. 13 CFR 120.612 - Loans eligible to back Certificates.

    Science.gov (United States)

    2010-01-01

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

  7. 13 CFR 120.1714 - Seller's Pool Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan servicing. 120.1714 Section 120.1714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1714 Seller...

  8. 13 CFR 120.1715 - Seller's Pool Loan liquidation.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan liquidation. 120.1715 Section 120.1715 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1715 Seller...

  9. 13 CFR 120.1713 - Seller's Pool Loan origination.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan origination. 120.1713 Section 120.1713 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1713 Seller...

  10. 13 CFR 120.1717 - Seller's Pool Loan deferments.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan deferments. 120.1717 Section 120.1717 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1717 Seller...

  11. 24 CFR 201.20 - Property improvement loan eligibility.

    Science.gov (United States)

    2010-04-01

    ... estimated cost. (2) The loan proceeds shall be used only to finance property improvements that substantially protect or improve the basic livability or utility of the property. The Secretary will establish a list of... the Secretary before making a loan. (3) The loan proceeds shall only be used to finance property...

  12. 7 CFR 1427.174 - Maturity of seed cotton loans.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

    ..., justifies different amounts, a reserve for bad debts of 6 percent of outstanding loans must be accumulated... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776..., DEPARTMENT OF AGRICULTURE (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.17...

  14. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Science.gov (United States)

    2010-07-01

    ... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's.... (b) The Secretary does not guarantee a Federal Consolidation loan in an amount greater than that required to discharge loans eligible for consolidation under § 682.100(a)(4). (Authority: 20 U.S.C. 1075...

  15. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR... Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to...

  16. 75 FR 65238 - Loan Guaranty: Elimination of Redundant Regulations; Correction

    Science.gov (United States)

    2010-10-22

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

  17. 78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-08-07

    ... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...

  18. 78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

    Science.gov (United States)

    2013-08-09

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

  19. 76 FR 31217 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2011-05-31

    ... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program... the Rural Housing Service (RHS) Section 502 Single Family Housing Guaranteed Loan Program (SFHGLP) by eliminating the lender's published Department of Veterans Affairs (VA) rate for first mortgage loans with no...

  20. 78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-10-23

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...

  1. 76 FR 6185 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2011-02-03

    ... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...

  2. 78 FR 51046 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2013-08-20

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...

  3. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Making AGENCY... that supports Direct Loan Making programs. The information is used to determine borrower compliance with loan agreements, assist the borrower in achieving business goals, and regular servicing of the...

  4. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

    ... Revolving Loan Fund AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY..., evaluates, and acts on credit union applications seeking loans and technical assistance grants from the Community Development Revolving Loan Fund (CDRLF or Fund). The proposed changes update the current rule to...

  5. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

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

  6. 75 FR 77935 - Patriot Express Pilot Loan Initiative

    Science.gov (United States)

    2010-12-14

    ... SMALL BUSINESS ADMINISTRATION Patriot Express Pilot Loan Initiative AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Patriot Express Pilot Loan Initiative. SUMMARY: This notice extends the Patriot Express Pilot Loan Initiative in its current form through December 31, 2013...

  7. 75 FR 23218 - Information Collection; Direct Loan Servicing-Regular

    Science.gov (United States)

    2010-05-03

    ... collections established in the regulation are necessary for FSA to monitor and account for loan security... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Servicing... collection that supports Direct Loan Servicing-Regular programs. The information is used to determine...

  8. 7 CFR 3550.108 - Security requirements (loans only).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Security requirements (loans only). 3550.108 Section..., DEPARTMENT OF AGRICULTURE DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 504 Origination and Section 306C Water and Waste Disposal Grants § 3550.108 Security requirements (loans only). When the total...

  9. 7 CFR 772.7 - Leasing minor program loan security.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... all or any part of the loan collateral by paying CCC the applicable principal and interest. (b) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due...) Forfeiture of in-process sugar serving as loan collateral will be accepted as payment in full of principal...

  11. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...

  12. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... lender may distribute the risk of a portion of a loan guaranteed under the program by sale of... transferred in whole or in part; (2) The lender remains solely responsible for the administration of the loan... loans guaranteed under the program: (1) Eligible lenders; (2) Private investment funds and insurance...

  13. 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.

  14. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

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

  15. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

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

  16. 26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...

  17. Bangladesh looks for a soft loan

    International Nuclear Information System (INIS)

    Hossain, A.

    1986-01-01

    The problems faced by developing countries in embarking on a nuclear power programme are considered. It is argued that an international funding agency should be set up by the IAEA and the World Bank to provide developing countries with help in the form of a loan at soft interest rates and longer repayment periods. (U.K.)

  18. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

    ... conditions: (a) The loan shall be denominated in a currency to eliminate foreign exchange risk on repayment... majority ownership interest, financing may be extended for the full value of the transaction; otherwise, financing may be extended only to approximate the percent of ownership. [55 FR 24884, June 19, 1990, as...

  19. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... Understanding (MOU), Apr. 24, 1975; AR 500-60 Secretary of the Army (or designee) Communications, earthmoving... request would result in loss of human life, grave bodily harm, or major destruction of property, and when the lack of communication facilities prevents use of normal procedures, loans otherwise permitted by...

  20. 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…

  1. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

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

  2. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for... normal course of business) in the applicant or borrower. (ii) The applicant or borrower, a relative of... to obtain a loan), or other principal owners of the lender have substantial business dealings (other...

  3. 50 CFR 600.1012 - Reduction loan.

    Science.gov (United States)

    2010-10-01

    ... annual rate, that shall be determined by subsequent events, of simple interest on the reduction loan's... deposit and disburse the fee revenue in accordance with § 600.1014. (b) Principal amount, interest rate... § 600.1014. (c) Effect of prospective interest rate. Any difference between a prospective interest rate...

  4. Farmers and Herders Benefit From Bank Loans

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    From 2000 to the end of 2004, the Tibet Branch of Agricultural Bank provided farmers and herders with loans that helped raise their average net income from 1,342 Yuan to 1,863 Yuan during the period.The net increase in income totaled nearly 1.1 billion Yuan.

  5. Evaluating the Student Loan Fund of Thailand

    Science.gov (United States)

    Tangkitvanich, Somkiat; Manasboonphempool, Areeya

    2010-01-01

    The Thai higher education sector has expanded quickly during the past decade, making a transition from an elitist to a mass institution. A driving force behind the expansion was believed to be the Student Loan Fund (SLF), introduced in 1996. During the first 10 years of its operation, the SLF has lent to more than 2.6 million students, with the…

  6. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  8. 77 FR 15933 - Conservation Loan Program

    Science.gov (United States)

    2012-03-19

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

  9. 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...

  10. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

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

  11. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

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

  12. 10 CFR 800.300 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... consideration to the experience of the agent in providing financial services to minority business enterprises... OF ENERGY LOANS FOR BID OR PROPOSAL PREPARATION BY MINORITY BUSINESS ENTERPRISES SEEKING DOE..., broker, or other financial institution or entity) having the capability, and legally qualified, to...

  13. 7 CFR 3575.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  14. 77 FR 38015 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2012-06-26

    ... section. This is based upon the Agency's experience to date in financing this type of project and the... sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed... Program by limiting the risk to the guaranteed loan portfolio. RHS is seeking to prohibit the financing of...

  15. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

    Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.

  16. 76 FR 60475 - Issuance of a Loan Guarantee to Tonopah Solar Energy, LLC, for the Crescent Dunes Solar Energy...

    Science.gov (United States)

    2011-09-29

    ... DEPARTMENT OF ENERGY Issuance of a Loan Guarantee to Tonopah Solar Energy, LLC, for the Crescent Dunes Solar Energy Project AGENCY: U.S. Department of Energy. ACTION: Record of decision. SUMMARY: The U... and Reinvestment Act of 2009 (Recovery Act), to Tonopah Solar Energy, LLC (TSE), for construction and...

  17. Is College Affordable? Are Loans Manageable? What Do Colleges' Net Price Calculators Show? Policy Bulletin

    Science.gov (United States)

    Advisory Committee on Student Financial Assistance, 2012

    2012-01-01

    A review of net price calculators--a financial aid tool mandated by the "Higher Education Opportunity Act" of 2008--reveals that students from low-, moderate-, and middle-income families face record-level net prices at 4-year public colleges today. These net prices will translate into levels of average total loan burden far in excess of…

  18. 76 FR 62052 - Issuance of a Loan Guarantee to First Solar, Inc., for the Desert Sunlight Solar Farm Project

    Science.gov (United States)

    2011-10-06

    ... DEPARTMENT OF ENERGY Issuance of a Loan Guarantee to First Solar, Inc., for the Desert Sunlight Solar Farm Project AGENCY: U.S. Department of Energy. ACTION: Record of decision. SUMMARY: The U.S... The proposed DSSFP is a photovoltaic solar electrical generating facility using commercial, thin-film...

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

    OpenAIRE

    Ongena, Steven; Ioannidou, Vasso

    2010-01-01

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

  20. PENERAPAN METODE DISKUSI SYNDICATE GROUP UNTUK MENINGKATKAN AKTIVITAS DAN HASIL BELAJAR PADA POKOK BAHASAN MENDESKRIPSIKAN HUBUNGAN ANTARA KELANGKAAN SUMBER DAYA DENGAN KEBUTUHAN MANUSIA YANG TIDAK TERBATAS SISWA KELAS VIII B DI SMP NEGERI 2 BANYUBIRU

    Directory of Open Access Journals (Sweden)

    Meita Lusianti

    2013-11-01

    Full Text Available Aktivitas siswa dalam kegiatan belajar mengajar di SMP Negeri 2 Banyubiru belum terlihat optimal. Proses pembelajaran berpusat pada guru sehingga siswa belum terlibat langsung untuk aktif dalam pembelajaran. Kondisi tersebut mempengaruhi hasil penerimaan siswa terhadap materi pembelajaran yang berakibat rendahnya hasil ulangan harian siswa. Penelitian ini bertujuan untuk meningkatkan aktivitas dan hasil belajar siswa. Penelitian ini dilaksanakan dalam 2 (dua siklus. Kegiatan dalam setiap siklus meliputi kegiatan perencanaan, pelaksanaan, observasi, dan refleksi. Hasil penelitian diperoleh nilai rata-rata hasil belajar kognitif siswa pada siklus I sebesar 72,93 dengan ketuntasan klasikal 67%. Rata-rata hasil belajar pada siklus II sebesar 79,20 dengan ketuntasan klasikal 90%. Adapun hasil analisis aktivitas siswa pada siklus I mencapai 61% dan pada siklus II meningkat menjadi 81%. Berdasarkan hasil penelitian tersebut, dapat diambil kesimpulan bahwa penerapan metode diskusi Syndicate Group dapat peningkatan aktivitas dan hasil belajar siswa kelas VIII B SMP Negeri 2 Banyubiru tahun ajaran 2013/2014. Student activity in learning activities at SMP Negeri 2 Banyubiru seen optimum yet. Learning proces centre on teacher so the student not involve direct to active in the learning. That condition influential student outcome about learning material that come about student daily test outcome low. The research as a purpose to increase activity and student outcome learning. This research doing on two cycle. Activity in every cycle includes planning, implementation, observation, and reflection. Research result got average of cognitive learning outcome in cycle I is 72,93 with classical totally 67%. Average of learning outcome in cycle II is 79,20 with classical totally 90%. There is student activity analysis outcome on cycle I reach 61% and on cycle II rises become 81%. Grounded on research result that, be able take conclusion that implementation Syndicate

  1. 7 CFR 1717.658 - Records, reports and audits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Records, reports and audits. 1717.658 Section 1717... Investments, Loans, and Guarantees by Electric Borrowers § 1717.658 Records, reports and audits. (a) Every... the end-of-year report which shall be based on December 31 information. Every borrower shall also...

  2. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

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

  3. 12 CFR 584.2a - Exempt savings and loan holding companies and grandfathered activities.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 583.12 - Multiple savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...

  5. 12 CFR 583.11 - Diversified savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...

  6. 7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

    Science.gov (United States)

    2010-01-01

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

  7. 13 CFR 120.215 - What interest rates apply to smaller loans?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rates apply to... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.215 What interest rates apply to smaller loans? For a loan over $25,000 but not exceeding $50,000, the...

  8. The effect of organizational hierarchy on loan rates and risk assessments

    NARCIS (Netherlands)

    Bouwens, J.; Kroos, P.

    2012-01-01

    We examine whether loan decisions are affected by the internal decision structure of the bank. Banks typically grant decision rights on straight-forward loans entirely to individual loan officers. For more risky loans these officers have to seek ratification for their loan proposals at higher

  9. 12 CFR 221.108 - Effect of registration of stock subsequent to making of loan.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

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

  11. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-11-01

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

  12. Managing Bad Loans of Domestic Banks under Modern Economic Conditions

    Directory of Open Access Journals (Sweden)

    Bolhar Tetyana M.

    2014-01-01

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

  13. Delay and probability discounting among payday and title loan recipients.

    Science.gov (United States)

    Mahoney, Colin T; Lawyer, Steven R

    2016-04-01

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

  14. Can Equity Volatility Explain the Global Loan Pricing Puzzle?

    OpenAIRE

    Lewis Gaul; Pinar Uysal

    2013-01-01

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

  15. Managing Bad Loans of Domestic Banks under Modern Economic Conditions

    OpenAIRE

    Bolhar Tetyana M.

    2014-01-01

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

  16. Neuro-Based Artificial Intelligence Model for Loan Decisions

    OpenAIRE

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

    2010-01-01

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

  17. 7 CFR 1980.490 - Business and industry buydown loans.

    Science.gov (United States)

    2010-01-01

    ... agriculture production, which means the cultivation, production (growing), and harvesting, either directly or... reforestation. (iii) The growing of mushrooms or hydroponics. (4) Recreation and tourism. Loans may be...

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

    OpenAIRE

    Juri Marcucci; Paolo Emilio Mistrulli

    2013-01-01

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

  19. Tax-exempt bank loans still an option for providers.

    Science.gov (United States)

    Ostlund, Grant; Cheney, John E

    2011-07-01

    In evaluating the potential for tax-exempt bank financing, healthcare organizations should carefully consider: Pricing. Loan structure. Security requirements (such as financial covenants and default remedies).

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

    Science.gov (United States)

    2010-05-05

    ... reporting their members' payment histories with STS loans to the credit bureaus. Members who successfully... not include fees for unanticipated late payments, defaults, delinquencies, or similar occurrences. As...

  1. THE LOAN CONTRACT IN THE NEW CIVIL CODE

    Directory of Open Access Journals (Sweden)

    LIVIA MOCANU

    2012-05-01

    Full Text Available The new Civil Code maintains, mainly, the stipulations of the Civil Code of 1865 regarding loan contracts, in its both forms (the loan for use and the loan for consumption. As a variety of the loan for consumption, a few new specific stipulations were included, regarding the loan with interest.This research is focused on the current regulation of the loan contract, including a series of changes, of which the most important refers to: the loan promise, the risk regarding the asset placed in a bailment, property transfer and the risk in the loan for consumption contract, loan return and the interest regime. Also, what kept my attention is the significant changes brought to the interest regime by the Law for applying the Civil Code, included for now in Chapter I of the O.G. no. 13/2011, regarding the legal compensatory interest and the penalty interest for financial duties, as well as for the regulation of certain financial-fiscal measures in the banking department.

  2. 25 CFR 103.37 - What must the lender do to collect payment under its loan guaranty certificate or loan insurance...

    Science.gov (United States)

    2010-04-01

    ... collateral securing the loan under § 103.36(d)(2), and has a residual loss after doing so, it must send BIA... principal collateral securing the loan; or (iii) One hundred eighty calendar days after the date of the default. (b) For insured loans, after liquidating all loan collateral, the lender must submit a claim for...

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

    Institute of Scientific and Technical Information of China (English)

    Jianfang Zhou; Jingjing Wang; Jianping Ding

    2014-01-01

    Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.

  4. 24 CFR 207.252a - Premiums-operating loss loans.

    Science.gov (United States)

    2010-04-01

    ... Premiums—operating loss loans. (a) The mortgagee, upon the insurance endorsement of the increase loan credit instrument covering the operating loss loan, shall pay to the Commissioner a first mortgage...

  5. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

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

  6. 78 FR 7787 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2013-02-04

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

  7. 25 CFR 101.2 - Kinds of loans.

    Science.gov (United States)

    2010-04-01

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

  8. 24 CFR 201.26 - Conditions for loan disbursement.

    Science.gov (United States)

    2010-04-01

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

  9. 31 CFR 585.406 - Extensions of credits or loans.

    Science.gov (United States)

    2010-07-01

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

  10. 7 CFR 1980.424 - Term of loan repayment.

    Science.gov (United States)

    2010-01-01

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

  11. 12 CFR 528.6 - Loan application register.

    Science.gov (United States)

    2010-01-01

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

  12. 24 CFR 232.565 - Maximum loan amount.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...

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

    Science.gov (United States)

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

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

  14. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

    ... CFR Parts 1710, 1717, 1721, 1724, and 1730 RIN 0572-AC19 Energy Efficiency and Conservation Loan..., proposing policies and procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by electric utilities for the benefit of rural...

  15. 34 CFR 682.209 - Repayment of a loan.

    Science.gov (United States)

    2010-07-01

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

  16. 24 CFR 573.7 - Loan guarantee agreement.

    Science.gov (United States)

    2010-04-01

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

  17. Strategic loan defaults and coordination : An experimental analysis

    NARCIS (Netherlands)

    Trautmann, S.T.; Vlahu, R.

    2013-01-01

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

  18. Six changes with the new Regulations on Automobile Loans

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

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

    African Journals Online (AJOL)

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

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

    African Journals Online (AJOL)

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

  1. 26 CFR 1.7872-5 - Exempted loans.

    Science.gov (United States)

    2010-04-01

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

  2. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-04-01

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

  5. 38 CFR 36.4223 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  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. 38 CFR 36.4307 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  8. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

    ... and Basic Policies § 1710.106 Uses of loan funds. (a) Funds from loans made or guaranteed by RUS may be used to finance: (1) Distribution facilities. (i) The construction of new distribution facilities... station service, and the borrower is unable to finance the acquisition from other sources. See § 1710.107...

  9. 38 CFR 1.963 - Waiver; other than loan guaranty.

    Science.gov (United States)

    2010-07-01

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

  10. 7 CFR 3565.204 - Maximum loan amount.

    Science.gov (United States)

    2010-01-01

    ... project. The lender shall recommend to the Agency an adjustment in the loan amount if appropriate as a result of this review. (2) Where the project financing combines a guaranteed loan with Low-Income Housing Tax Credits or other Federal assistance, the project must conform to the policies regarding necessary...

  11. Funding Costs and Loan Pricing by Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis

    2009-01-01

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

  12. 75 FR 41877 - Insured Healthcare Facilities 232 Loan Application

    Science.gov (United States)

    2010-07-19

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

  13. 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…

  14. 75 FR 16821 - Insured Healthcare Facilities 232 Loan Application

    Science.gov (United States)

    2010-04-02

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

  15. 7 CFR 4279.113 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  16. Microcredit Contracts, Risk Diversification and Loan Take-Up

    NARCIS (Netherlands)

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

    2016-01-01

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

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

    NARCIS (Netherlands)

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

    2015-01-01

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

  18. Direct Loan Cash Management and Data Matching (Reconciliation).

    Science.gov (United States)

    Department of Education, Washington, DC.

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

  19. 7 CFR 1717.853 - Loan terms and conditions.

    Science.gov (United States)

    2010-01-01

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

  20. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

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

  1. 7 CFR 2201.28 - Participation in guaranteed Loans.

    Science.gov (United States)

    2010-01-01

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

  2. 13 CFR 500.210 - Assignment or transfer of loans.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 221.103 - Loans to brokers or dealers.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 1427.7 - Maturity of loans.

    Science.gov (United States)

    2010-01-01

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

  5. 24 CFR 236.253 - Premiums-operating loss loans.

    Science.gov (United States)

    2010-04-01

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

  6. 76 FR 29147 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2011-05-20

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

  7. Bank loan loss provisions research: A review

    Directory of Open Access Journals (Sweden)

    Peterson K. Ozili

    2017-09-01

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

  8. 45 CFR 1336.65 - Staffing and organization of the Revolving Loan Fund: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

    ... organization table, including: (a) The structure and composition of the Board of Directors of the RLF; (b) The... 45 Public Welfare 4 2010-10-01 2010-10-01 false Staffing and organization of the Revolving Loan... Hawaiian Revolving Loan Fund Demonstration Project § 1336.65 Staffing and organization of the Revolving...

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

    NARCIS (Netherlands)

    de Roon, F.A.; Veld, C.H.

    1995-01-01

    This study investigates the announcement effects of offerings of convertible bond loans and warrant-bond loans using data for the Dutch market. Using standard event study methodology it is found that on average stock prices show a positive but insignificant abnormal return for the announcement of a

  10. Signing of CERN's 300 million EUR loan from the EIB in December 2002. From left to right : Philippe Busquin, European Research Commissioner, Philippe Maystadt, EIB President and Luciano Maiani, Director General of CERN

    CERN Document Server

    2003-01-01

    The European Investment Bank (EIB) is lending EUR 300 million to finance the final phase of construction of the Large Hadron Collider (LHC) at CERN , the European Organization for Nuclear Research. The EIB loan will also help to finance the instrumentation to record and analyse the high-energy particle collisions at the LHC. A loan to enable construction of this major project was foreseen by CERN's governing Council when it approved the LHC in 1996.

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

    Science.gov (United States)

    Hansson, E; Tegelberg, E

    2014-10-01

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

  12. 50 CFR 31.11 - Donation and loan of wildlife specimens.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Donation and loan of wildlife specimens... of Wildlife Reduction and Disposal § 31.11 Donation and loan of wildlife specimens. Wildlife specimens may be donated or loaned to public institutions for specific purposes. Donation or loans of...

  13. 34 CFR 682.507 - Due diligence in collecting a loan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in collecting a loan. 682.507 Section 682... Student Loan Programs § 682.507 Due diligence in collecting a loan. (a) General. (1) Except as provided in paragraph (a)(4) of this section, a lender shall exercise due diligence in the collection of a loan with...

  14. 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...

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

    Science.gov (United States)

    Price, Derek V.

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

  16. 12 CFR 584.4 - Certain acquisitions by savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

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

  17. 12 CFR 221.112 - Loans by bank in capacity as trustee.

    Science.gov (United States)

    2010-01-01

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

  18. 11 CFR 100.111 - Gift, subscription, loan, advance or deposit of money.

    Science.gov (United States)

    2010-01-01

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

  19. 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...

  20. 76 FR 33028 - Agency Information Collection (Requirements for Interest Rate Reduction Refinancing Loans...

    Science.gov (United States)

    2011-06-07

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

  1. 77 FR 20890 - Proposed Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activity...

    Science.gov (United States)

    2012-04-06

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

  2. 7 CFR 1610.10 - Determination of interest rate on Bank loans.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 160.75 - Loan of standards under security deposit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards under security deposit. 160.75... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.75 Loan of standards under security deposit. Duplicates of the United States Standards for rosin may be loaned to interested...

  5. 7 CFR 1744.207 - Investment not to jeopardize loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Investment not to jeopardize loan security. 1744.207... SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO GUARANTEED AND INSURED TELEPHONE LOANS Borrower Investments § 1744.207 Investment not to jeopardize loan security. A borrower shall...

  6. 25 CFR 103.17 - Must the lender follow any special procedures to close the loan?

    Science.gov (United States)

    2010-04-01

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

  7. 25 CFR 103.26 - What must the borrower supply the lender in its loan application?

    Science.gov (United States)

    2010-04-01

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

  8. 13 CFR 120.970 - Servicing of 504 loans and Debentures.

    Science.gov (United States)

    2010-01-01

    ... more frequent basis and monitoring the status of the Borrower and 504 loan collateral. (c) The CDC is... collateral for the 504 loan, as required. (e) The CDC must timely respond to Borrower requests for loan... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Servicing of 504 loans and...

  9. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1434.16 - Release of the honey pledged as collateral for a loan.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.

    Science.gov (United States)

    2010-01-01

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

  12. 13 CFR 120.520 - Purchase of 7(a) loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... condition of the collateral, plans for any type of loan workout or loan restructuring, existing liquidation activities including the sale of loan collateral, or the status of ongoing foreclosure proceedings. The... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Purchase of 7(a) loan guarantees...

  13. 78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

    Science.gov (United States)

    2013-08-22

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

  14. 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

  15. 36 CFR Appendix C to Part 79 - Example of a Short-Term Loan Agreement for a Federally-Owned Collection

    Science.gov (United States)

    2010-07-01

    ... records, listed in Attachment A, which were collected from the (name of the prehistoric or historic... city or town), (name of the county) county in the State of (name of the State). The Collection is the... archeological collections and the terms and conditions stipulated in Attachment B to this loan agreement. The...

  16. Walking Wounded or Living Dead? Making Banks Foreclose Bad Loans

    OpenAIRE

    Max Bruche; Gerard Llobet

    2011-01-01

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

  17. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...

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

    OpenAIRE

    Chee, Seungmin

    2011-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

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

  20. Transformasi Jaminan Kebendaan Menjadi Jaminan Tunai Dalam Penjaminan Kredit Sindikasi Internasional

    OpenAIRE

    Murwadji, T

    2013-01-01

    This research studies: first, legal problem of Banking Guaranty Law in International Syndication Loan Collateral; second, mechanism of fixed collateral to cash collateral transmission which can be implemented in International Syndication Loan Collateral in Indonesia. Third, perspective of fixed collateral to cash collateral transformation in International Syndication Loan Collateral for the development of Civil Law in Indonesia. The method used was normative juridical using qualitative descri...

  1. Transformasi Jaminan Kebendaan Menjadi Jaminan Tunai dalam Penjaminan Kredit Sindikasi Internasional

    OpenAIRE

    Murwadji, T.

    2016-01-01

    This research studies: first, legal problem of Banking Guaranty Law in International Syndication Loan Collateral; second, mechanism of fixed collateral to cash collateral transmission which can be implemented in International Syndication Loan Collateral in Indonesia. Third, perspective of fixed collateral to cash collateral transformation in International Syndication Loan Collateral for the development of Civil Law in Indonesia. The method used was normative juridical using qualitative descri...

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

    Data.gov (United States)

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

  3. 7 CFR 3575.78 - Repurchase of loan.

    Science.gov (United States)

    2010-01-01

    ... holder upon repurchase. The lender is encouraged to repurchase the loan to facilitate the accounting of... such conflict will suspend the running of the 30-day payment requirement. (4) Any purchase by the...

  4. 7 CFR 1786.162 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  5. Fisheries credit programmes and revolving loan funds: case studies

    National Research Council Canada - National Science Library

    Tietze, U; Merrikin, P

    1992-01-01

    ... programmes and revolving loan funds. In order to gain more information in this vital area, the Fishery Industries Division of FAO initiated a series of case studies in Asia, Africa, the Middle East, Latin America and the Caribbean...

  6. 12 CFR 618.8325 - Disclosure of loan documents.

    Science.gov (United States)

    2010-01-01

    ... other things, the borrower's promise to repay the loaned funds at an agreed-upon rate of interest. (5... borrower affixes his signature or seal and which the qualified lender intends to retain in its files as...

  7. 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.

  8. 34 CFR 668.212 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

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

  9. Automated Valuation Model for Livestock Appraisal in Loaning Practice

    OpenAIRE

    Buzás, Ferenc; Kiss, Sándor

    2014-01-01

    Actualization of loan security (mortgage) value is of major importance in Hungarian loaning practice. Due to the recession in economics, the value of agricultural portfolio of banks has decreased a great deal, though not to such a great extent as other branches of the economy. Depreciation of estate stock is compensated with additional collateral security. Besides other stock, often temporarily and out of necessity, livestock is presented as additional collateral security. From the loaners’...

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

    OpenAIRE

    TANGKO, IRENE LASTRY FARDANI

    2012-01-01

    Non Performing Loan (NPL)Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) Terhadap Loan to Deposit Ratio (LDR) Pada Bank BUMN Persero Di Indonesia Analysis ofEffect ofCapitalAdequacy Ratio (CAR) and theNon-PerformingLoan(NPL) AgainstLoanto DepositRatio (LDR) Thestate-owned bankinIndonesiaPersero Irene Lastry Fardani Tangko Otto R. Payangan Maat pono Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR) dan Non Performin...

  11. Separate issues of rights and obligations of loan agreement parties

    Directory of Open Access Journals (Sweden)

    О. В. Ночовкіна

    2015-05-01

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

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

    Directory of Open Access Journals (Sweden)

    J. Manikandan

    2015-04-01

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

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

    Science.gov (United States)

    2010-01-01

    ... the liquidation of collateral and the sale of business loans and physical disaster assistance loans... policies concerning the liquidation of collateral and the sale of business loans and physical disaster.... SBA or the Lender may liquidate collateral securing a loan if the loan is in default or there is no...

  14. 78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance

    Science.gov (United States)

    2013-12-06

    ...Section 20A of the Federal Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA) to make available to the Federal Home Loan Banks (Banks) such reports, records, or other information as may be available, relating to the condition of any Bank in order to enable each Bank to evaluate the financial condition of one or more of the other Banks individually and the Bank System as a whole. FHFA has adopted, and published in this issue of the Federal Register, a regulation to implement the statutory information sharing provisions, which will be located at 12 CFR part 1260. As required by Sec. 1260.2(b) of that regulation, FHFA is providing this notification to the Banks and the Bank System's Office of Finance of the categories of information that it will distribute under part 1260 beginning on the effective date noted below.

  15. Loan and nonloan flows in the Australian interbank network

    Science.gov (United States)

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

    2012-05-01

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

  16. 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

    ..., EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.314 Repayment of loans..., medical, or financial difficulties. The Secretary will only repay education loans made after November 17...

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

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

    Full Text Available The part played by non-prime household loans in improving the lives of many people who cannot afford collateral globally cannot be ignored. Many Microfinance Banks in many economies worldwide have tried to maintain the Grameen Bank Model of granting microloans, mainly non-prime household loans. However, the credit risks associated with this initiative hamper the pace at which the granting of this credit facility is expected to grow. This study intends to explore the relationship between the post loan disbursement allocation and the performance of non-prime household loans in the Microfinance Banks in Kenya. The theory associated to this study is the Credit Risk Theory. This theory, which is regarded as credit structural theory, was developed by Merton in 1972. The descriptive survey research design method was applied, and the sample size was 150 respondents. The data-collection tool used was a questionnaire. A logistic regression analysis was conducted for the purpose of predicting non-prime household performance in the Microfinance Banks using training budget, recoveries budget, percentage of training budget, and percentage of recoveries budget as predictors. The Wald test shows that training budget, recoveries budget, and percentage of training budget were good predictors, making a significant contribution to prediction. The percentage of budget on recoveries was not a significant predictor. The Microfinance Banks should enhance the performance of non-prime household loans through capacity building to the borrowers and educate the borrowers on dangers of enforced loan recoveries. The government, through the Central Bank of Kenya, should have a training policy for the Microfinance Banks so that they can enlighten the borrowers on proper financial management to avoid conflicts with borrowers during loan recoveries.

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

    Directory of Open Access Journals (Sweden)

    Dina Bakti Pertiwi

    2015-01-01

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

  19. 7 CFR 1980.454 - Conditions precedent to issuance of the Loan Note Guarantee.

    Science.gov (United States)

    2010-01-01

    ... percent in loan amounts between $1 million and $10 million. 4. Basic credit requirements of all loans. B... experience of the new lender before the request is approved. If approved, notify the Finance Office of the...

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  1. 7 CFR 4290.810 - Financings in the form of Loans.

    Science.gov (United States)

    2010-01-01

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

  2. Relevance of financial information in quick loans negotiation

    Directory of Open Access Journals (Sweden)

    Salvador Cruz Rambaud

    2017-02-01

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

  3. A New Measure of Competition in Indian Loan Market

    Directory of Open Access Journals (Sweden)

    Jugnu Ansari

    2013-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Makri Vasiliki

    2014-01-01

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

  5. Corporate fraud and bank loans:Evidence from china

    Institute of Scientific and Technical Information of China (English)

    Yunsen; Chen; Song; Zhu; Yutao; Wang

    2011-01-01

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

  6. Studying borrower level risk characteristics of education loan in India

    Directory of Open Access Journals (Sweden)

    Arindam Bandyopadhyay

    2016-09-01

    Full Text Available This paper empirically investigates the granular level risk of education loan using a cross section of data from 5000 borrowers obtained from four major public sector banks in India. The findings suggest that education loan defaults are mainly influenced by security, borrower margin, and repayment periods. The presence of guarantor or co-borrower and collateral significantly reduce default loss rates. The socioeconomic characteristics of borrowers and their regional locations also act as important factors associated with education loan defaults. The results suggest that by segmenting borrowers by probability of default and loss given default in a multidimensional scale, banks can adopt better risk mitigation and pricing strategies to resolve borrower problems.

  7. Phenological Records

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Phenology is the scientific study of periodic biological phenomena, such as flowering, breeding, and migration, in relation to climatic conditions. The few records...

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

    OpenAIRE

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

    2015-01-01

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

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

    OpenAIRE

    International Monetary Fund

    2014-01-01

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

  10. The effectiveness of community-based loan funds for transport during obstetric emergencies in developing countries: a systematic review.

    Science.gov (United States)

    Nwolise, Chidiebere Hope; Hussein, Julia; Kanguru, Lovney; Bell, Jacqueline; Patel, Purvi

    2015-09-01

    Scarcity and costs of transport have been implicated as key barriers to accessing care when obstetric emergencies occur in community settings. Community-based loans have been used to increase utilization of health facilities and potentially reduce maternal mortality by providing funding at community level to provide emergency transport. This review aimed to provide evidence of the effect of community-based loan funds on utilization of health facilities and reduction of maternal mortality in developing countries. Electronic databases of published literature and websites were searched for relevant literature using a pre-defined set of search terms, inclusion and exclusion criteria. Screening of titles, abstracts and full-text articles were done by at least two reviewers independently. Quality assessment was carried out on the selected papers. Data related to deliveries and obstetric complications attended at facilities, maternal deaths and live births were extracted to measure and compare the effects of community-based loan funds using odds ratios (ORs) and reductions in maternal mortality ratio. Forest plots are presented where possible. The results of the review show that groups where community-based loan funds were implemented (alongside other interventions) generally recorded increases in utilization of health facilities for deliveries, with ORs of 3.5 (0.97-15.48) and 3.55 (1.56-8.05); and an increase in utilization of emergency obstetric care with ORs of 2.22 (0.51-10.38) and 3.37 (1.78-6.37). Intervention groups also experienced a positive effect on met need for complications and a reduction in maternal mortality. There is some evidence to suggest that community-based loan funds as part of a multifaceted intervention have positive effects. Conclusions are limited by challenges of study design and bias. Further studies which strengthen the evidence of the effects of loan funds, and mechanism for their functionality, are recommended. Published by Oxford

  11. Loans of the European Investment Bank to gaseous plans

    International Nuclear Information System (INIS)

    Anon.

    1997-01-01

    The European Investment Bank (EIB) has loaned 525 million Ecu (European currency unit) to Portugal to finance in particular the Transgas pipeline construction destined to the natural gas transport. It has also renewed its support to the construction and exploitation of a high pressure pipelines system for the transport and the distribution of natural gas in Greece. At last, it has loaned 180 million Ecu to Poland for the conversion of a worked-out gas deposit into a gas storage. (O.M.)

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

    Directory of Open Access Journals (Sweden)

    Nicolae - Marius JULA

    2015-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Liliana DONATH

    2014-12-01

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

  14. Loan Growth Slowing down in 1st 7 Months

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    @@ The growth of loans significantly slowed during the first seven months of this year, which indicates the government's economic macro control measures are taking effect, the People's Bank of China (PBOC) said. By the end of July, outstanding loans of all financial institutions stood at RMB18.1 trillion (US$2.18 trillion),up 15.9% on a year-on-year basis. The growth rate compared to 23.2% registered during the same period in 2003,the central bank said.

  15. Software-Based Visual Loan Calculator For Banking Industry

    Science.gov (United States)

    Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

    2012-03-01

    industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

  16. 26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

    Science.gov (United States)

    2010-04-01

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

  17. 44 CFR 206.6 - Donation or loan of Federal equipment and supplies.

    Science.gov (United States)

    2010-10-01

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

  18. 7 CFR 3560.67 - Rates and terms for section 515 loans.

    Science.gov (United States)

    2010-01-01

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

  19. 7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

  1. 34 CFR 682.206 - Due diligence in making a loan.

    Science.gov (United States)

    2010-07-01

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

  2. 34 CFR 682.208 - Due diligence in servicing a loan.

    Science.gov (United States)

    2010-07-01

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

  3. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Processing the borrower's loan proceeds and counseling...'s loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling borrowers...

  4. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

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

  5. 42 CFR 23.25 - How will interest rates for loans be determined?

    Science.gov (United States)

    2010-10-01

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

  6. A Brief Look at...the Texas B-On-Time Loan Program. Research Report

    Science.gov (United States)

    Shook, Melissa

    2012-01-01

    The Texas B-On-Time (BOT) Loan Program is a unique state aid program intended to increase access to higher education in Texas and encourage on-time graduation. This state student loan may be completely forgiven if the otherwise eligible borrower completes his or her degree on time. The BOT Loan Program was developed in response to low on-time…

  7. 78 FR 50026 - Energy Efficiency and Conservation Loan Program Finding of No Significant Impact

    Science.gov (United States)

    2013-08-16

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

  8. 78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

    Science.gov (United States)

    2013-02-12

    ... Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Pilot Program AGENCY...: On March 31, 2011, HUD published a notice that announced HUD's FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program) known as FHA PowerSaver, which is a pilot program conducted for loans...

  9. 78 FR 36189 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies

    Science.gov (United States)

    2013-06-17

    ... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Savings and Loan Holding... CFR part 239), and all other applicable statutes and regulations to become a savings and loan holding... savings association and nonbanking companies owned by the savings and loan holding company, including the...

  10. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While the... deduction provided in section 172, any taxable year for which a mutual savings bank, building and loan...

  11. 76 FR 31680 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

    Science.gov (United States)

    2011-06-01

    ... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS... Savings and Loan Holding Companies. OMB Number: 1550-0011. Form Number: N/A. Description: This information...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR...

  12. 12 CFR 591.3 - Loans originated by Federal savings associations.

    Science.gov (United States)

    2010-01-01

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

  13. 75 FR 22681 - Prohibited Service at Savings and Loan Holding Companies

    Science.gov (United States)

    2010-04-29

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

  14. 12 CFR Appendix I to Part 27 - Monthly Home Loan Activity Format

    Science.gov (United States)

    2010-01-01

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

  15. 12 CFR Appendix A to Subpart A of... - Federal Home Loan Banks

    Science.gov (United States)

    2010-01-01

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

  16. 12 CFR 360.2 - Federal Home Loan banks as secured creditors.

    Science.gov (United States)

    2010-01-01

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

  17. 12 CFR 709.12 - Prepayment fees to Federal Home Loan Bank.

    Science.gov (United States)

    2010-01-01

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

  18. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

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

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

    NARCIS (Netherlands)

    Ioannidou, V.; Pierides, Y.

    2003-01-01

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

  20. 12 CFR 614.4080 - Loans and chartered territory-banks for cooperatives.

    Science.gov (United States)

    2010-01-01

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