WorldWideScience

Sample records for repayment-federal perkins loans

  1. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... and in attendance as a regular student in at least a half-time course of study at an eligible... graduate fellowship program approved by the Secretary; (iii) Engaged in graduate or post-graduate... least a half-time regular student for a full academic year and intends to enroll as at least a...

  2. 77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

    Science.gov (United States)

    2012-08-01

    ...; Federal Perkins Loan Program Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory... records. Title of Collection: Federal Perkins Loan Program Master Promissory Note. OMB Control...

  3. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-11-01

    ... November 1, 2013 Part II Department of Education 34 CFR Parts 668, 674, 682, and 685 Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... Assistance General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education...

  4. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal Direct... qualifications may have a portion of their Federal Perkins Loan (Perkins Loan), Federal Family Education...

  5. 34 CFR 674.35 - Deferment of repayment-Federal Perkins loans made before July 1, 1993.

    Science.gov (United States)

    2010-07-01

    ..., retirement, and other fringe benefits to the volunteer that are substantially equivalent to the benefits... licensing agency requires an individual to complete as a prerequisite for certification for professional... statement from an official of the appropriate State licensing agency that successful completion of...

  6. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-03-15

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  7. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2011-02-02

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG... Federal Perkins Loan Program, Federal Work-Study Program, and Federal Supplemental Educational...

  8. 77 FR 4547 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2012-01-30

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... requests and documents from postsecondary institutions for the Federal Perkins Loan, Federal Work-Study.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  9. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ... July 29, 2013 Part II Department of Education 34 CFR Parts 668, 674, 682, et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... 1840-AD12 Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family...

  10. 78 FR 14776 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2013-03-07

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... requests and documents from postsecondary institutions for the Federal Perkins Loan, Federal Work-Study..., Federal Work-Study Program, and Federal Supplemental Educational Opportunity Grant Program, 34 CFR...

  11. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Science.gov (United States)

    2010-07-01

    ... students at the institution enter repayment on a loan received for attendance at the institution, the... loan received for attendance at the institution, the “cohort default rate” means the percentage of those current and former students who entered repayment on loans received for attendance at that...

  12. 34 CFR 674.53 - Teacher cancellation-Federal Perkins, NDSL and Defense loans.

    Science.gov (United States)

    2010-07-01

    ...-time teaching in an elementary or secondary school serving low-income students. (1)(i) An institution... secondary school. (ii) An institution must cancel up to 100 percent of the outstanding loan balance on a... teaching full-time in a public or other nonprofit elementary or secondary school that— (i) Is in a...

  13. 34 CFR 674.57 - Cancellation for law enforcement or corrections officer service-Federal Perkins, NDSL and Defense...

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Cancellation for law enforcement or corrections officer... EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.57 Cancellation for law enforcement or... November 29, 1990, for full-time service as a law enforcement or corrections officer for an eligible...

  14. 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,…

  15. Perkins Bill is Approved by Congress

    Science.gov (United States)

    Cavanagh, Sean

    2006-01-01

    Career and technical education programs will face new pressure to show that they are academically rigorous and guiding high school students through a lineup of courses that prepares them for college or the workplace, under a bill approved by Congress. The reauthorization of the federal law known as the Perkins Act--dealing with what traditionally…

  16. A Common Postsecondary Data Dictionary for Perkins Accountability

    Science.gov (United States)

    Kotamraju, Pradeep; Richards, Amanda; Wun, Jolene; Klein, Steven G.

    2010-01-01

    This project assesses the feasibility of creating a voluntary, nationwide data dictionary that can be used to standardize the reporting of postsecondary accountability reporting requirements for the Carl D. Perkins Career and Technical Education Act of 2006 (otherwise known as Perkins IV). Variables, field codes, and programming instructions,…

  17. The Charles Perkins Centre's Twins Research Node.

    Science.gov (United States)

    Ferreira, Lucas C; Craig, Jeffrey M; Hopper, John L; Carrick, Susan E

    2016-08-01

    Twins can help researchers disentangle the roles of genes from those of the environment on human traits, health, and diseases. To realize this potential, the Australian Twin Registry (ATR), University of Melbourne, and the Charles Perkins Centre (CPC), University of Sydney, established a collaboration to form the Twins Research Node, a highly interconnected research facility dedicated specifically to research involving twins. This collaboration aims to foster the adoption of twin designs as important tools for research in a range of health-related domains. The CPC hosted their Twins Research Node's launch seminar entitled 'Double the power of your research with twin studies', in which experienced twin researchers described how twin studies are supporting scientific discoveries and careers. The launch also featured twin pairs who have actively participated in research through the ATR. Researchers at the CPC were surveyed before the event to gauge their level of understanding and interest in utilizing twin research. This article describes the new Twins Research Node, discusses the survey's main results and reports on the launch seminar.

  18. 75 FR 29744 - Federal Pell Grant, Federal Perkins Loan, Federal Work-Study, Federal Supplemental Educational...

    Science.gov (United States)

    2010-05-27

    ... for general price inflation. The changes are based, in general, upon increases in the Consumer Price... must be based upon a percentage equal to the estimated percentage increase in the Consumer Price Index... schedules and rates to account for inflation that took place between December 2009 and December 2010...

  19. 77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-06-29

    ... Records Management Services, Office of Management, publishes this notice containing proposed information... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION... Collection Clearance Division, Privacy, Information and Records Management Services, Office of...

  20. 77 FR 28860 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-05-16

    ... Records Management Services, Office of Management, publishes this notice containing proposed information... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION... Clearance Division, Privacy, Information and Records Management Services, Office of Management. BILLING...

  1. 77 FR 59311 - Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program...

    Science.gov (United States)

    2012-09-27

    ... the HEA provides that, in the calculation of an applicant's expected family contribution (EFC), the... overpayment prior to: using a credit balance to pay authorized charges; paying any amount of the title IV...

  2. 34 CFR 674.56 - Employment cancellation-Federal Perkins, NDSL and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... who are from low-income communities and the families of these children. To qualify for a child or... providing services only to high-risk children from low-income communities and the families of these children... providing services directly and exclusively to high-risk children who are from low-income......

  3. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... of the annual poverty guideline amount for the borrower's State and family size. Borrowers who repay... borrower's AGI and 150 percent of the annual poverty guideline amount for the borrower's State and family....221(a)(4) would reflect the statutory definition of ``new borrower'' for purposes of the changes to...

  4. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    .... Individuals with disabilities can obtain this document in an accessible format (e.g., braille, large print... under the Teacher Education Assistance for College and Higher Education (TEACH) ] grant program made on... the regulations since publication of the NPRM follows. We group major issues according to...

  5. Theory and practice in action: the contributions of Michael Perkins to clinical linguistics.

    Science.gov (United States)

    Damico, Jack S; Lynch, Karen E

    2013-01-01

    This article reviews the scholarly contributions of Michael R. Perkins in the discipline of clinical linguistics and provides some indication of the reasons that he has been so successful. Three primary attributes were described through an analysis of his publications.

  6. The rod of Aesculapios: John Haygarth (1740-1827) and Perkins' metallic tractors.

    Science.gov (United States)

    Booth, Christopher

    2005-08-01

    James Gillray's cartoon Metallic Tractors, published in 1801, portrays Benjamin Perkins treating a boil on the nose of an alcoholic John Bull with a pair of metallic tractors. The tractors had been invented by his father, Elisha Perkins of Connecticut, and were supposed to relieve pain and other symptoms through the agency of animal magnetism. The tractors were revealed as nothing more than an expensive sham by Dr John Haygarth in Bath, who showed that wooden tractors were equally effective. Thus, he was one of the first to use a placebo in a single-blind clinical trial.

  7. Lutzomyia (Helcocyrtomyia) Apache Young and Perkins (Diptera: Psychodidae) feeds on reptiles

    Science.gov (United States)

    Phlebotomine sand flies are vectors of bacteria, parasites, and viruses. In the western USA a sand fly, Lutzomyia apache Young and Perkins, was initially associated with epizootics of vesicular stomatitis virus (VSV), because sand flies were trapped at sites of an outbreak. Additional studies indica...

  8. Applying Perkins's Facets of a Learning Environment for Information Literacy Instruction

    Science.gov (United States)

    Blummer, Barbara

    2008-01-01

    Perkins, a professor of Education at Harvard University, promoted the use of constructivism in conjunction with information processing technologies to facilitate students' understanding and active use of knowledge and skills. He identified five facets of a learning environment including: information banks, symbol pads, construction kits,…

  9. 78 FR 39715 - Agency Information Collection Activities; Comment Request; Carl D. Perkins Career and Technical...

    Science.gov (United States)

    2013-07-02

    ... receive Federal funds. The Office of Vocational and Adult Education/Division of Academic and Technical... Agency Information Collection Activities; Comment Request; Carl D. Perkins Career and Technical Education Improvement Act of 2006 (P.L. 109-270) State Plan Guide AGENCY: Office of Vocational and Adult Education...

  10. 78 FR 24394 - Agency Information Collection Activities; Comment Request; Carl D. Perkins Career and Technical...

    Science.gov (United States)

    2013-04-25

    .... The Office of Vocational and Adult Education/Division of Academic and Technical Education program... Agency Information Collection Activities; Comment Request; Carl D. Perkins Career and Technical Education Improvement Act of 2006 (P.L. 109-270) State Plan Guide AGENCY: Office of Vocational and Adult Education...

  11. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... receive any cash back from the modification. (b) If a loan fails to meet one or more of the conditions... AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan Modification Procedures AGENCY: Department... Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans...

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

    Science.gov (United States)

    2010-01-01

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

  13. Direct PLUS Loan Basics: Parent Loans for Students. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC.

    The Direct PLUS Loan is one of the low-interest loans provided by the William D. Ford Federal Direct Loan Program. The U.S. Department of Education delivers loan proceeds through the student's school, and parents are responsible for repaying the Department. This booklet answers parents' questions about the loan program, including: (1) Am I…

  14. Practical divinity and medical ethics: lawful versus unlawful medicine in the writings of William Perkins (1558-1602).

    Science.gov (United States)

    Gevitz, Norman

    2013-04-01

    This article examines for the first time the theologically based medical ethics of the late sixteenth-century English Calvinist minister William Perkins. Although Perkins did not write a single focused book on the subject of medical ethics, he addressed a variety of moral issues in medicine in his numerous treatises on how laypeople should conduct themselves in their vocations and in all aspects of their daily lives. Perkins wrote on familiar issues such as the qualities of a good physician, the conduct of sick persons, the role of the minister in healing, and obligations in time of pestilence. His most significant contribution was his distinction between "lawful" and "unlawful" medicine, the latter category including both medical astrology and magic. Perkins's works reached a far greater audience in England and especially New England than did the treatises of contemporary secular medical ethics authors and his writings were influential in guiding the moral thinking of many pious medical practitioners and laypersons.

  15. Evaluation of the Perkins handheld applanation tonometer in horses and cattle.

    Science.gov (United States)

    Andrade, Silvia Franco; Kupper, Daniel Silva; Pinho, Luiz Fernando Rodrigues; Franco, Elizabeth Cunha; Prataviera, Marcus Vinícius Felix Fabri; Duarte, Rodrigo Rolim; Junqueira, José Ricardo Cecílio

    2011-06-01

    The objective of this study was to evaluate and validate the accuracy of the Perkins handheld applanation tonometer for measuring intraocular pressure (IOP) in horses and cattle. Both eyes of 10 adult horses and cattle were evaluated in a postmortem study. The eyes from 10 clinically normal adult horses and cattle were also examined after bilateral auriculopalpebral nerve block and topical anesthesia for an in vivo study. IOP was measured postmortem using direct manometry (measured with an aneroid manometer) and tonometry (measured with a Perkins handheld applanation tonometer). The correlation coefficients (r(2)) for the data from the postmortem manometry and Perkins tonometer study were 0.866 for horses and 0.864 for cattle. In the in vivo study, IOP in horses was 25.1 ± 2.9 mmHg (range 19.0~30.0 mmHg) as measured by manometry and 23.4 ± 3.2 mmHg (range 18.6~28.4 mmHg) according to tonometry. In cattle, IOP was found to be 19.7 ± 1.2 mmHg (range 18.0~22.0 mmHg) by manometry and 18.8 ± 1.7 mmHg (range 15.9~20.8 mmHg) by tonometry. There was a strong correlation between the IOP values obtained by direct ocular manometry and the tonometer in both horses and cattle. Our results demonstrate that the Perkins handheld tonometer could be an additional tool for accurately measuring IOP in equine and bovine eyes.

  16. Comparison between Perkin-Elmer and Chromsytem Vitamin D kit on TQ 5500 from AB SCIEX

    OpenAIRE

    Le Goff, Caroline; Peeters, Stéphanie; CRINE, Yannick; NETCHACOVITCH, Matthieu; Kaux, Jean-François; Cavalier, Etienne

    2013-01-01

    Background: Twenty-five hydroxy-vitamin D (25(OH) D) determination is now routinely prescribed in the Laboratory. Recently, different new methods have been available for this determination. Among them, LCMS/MS methods have emerged in some laboratories. However these methods are generally “home-brewed” and an important variability between them can be seen on different external quality controls, mainly due to a lack of standardization. Recently, Perkin-Elmer (PE) (Turku, Finland) and Chroms...

  17. Loans for Learning. Briefing Note

    Science.gov (United States)

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

    2011-01-01

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

  18. Tracking the New Loans

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    In the first half of this year, aggregate new loans had reached a record high of 7.37 trillion yuan ($1.08 trillion). Where has the vast amount of the new loans gone? Has ballooning credit really helped fuel economic growth? Or has it worked to produce capital bubbles? Zuo Xiaolei, chief economist of China Galaxy Securities Co. Ltd. based in Beijing, offered her opinion in the Shanghai Securities News. Edited excerpts follow.

  19. Disorienting the Furniture: The Transgressive Journalism of Alfonsina Storni and Charlotte Perkins Gilman

    Directory of Open Access Journals (Sweden)

    Mariela E. Méndez

    2010-03-01

    Full Text Available

    Drawing on the journalistic prose of two major literary figures of early-twentieth-century Argentina and the U.S., this article breaches cultural, national, and geographical frontiers by comparing the discursive gestures through which Alfonsina Storni and Charlotte Perkins Gilman re-appropriate for themselves the canonical genre of essay-writing to advance their feminist agendas. By undermining the presuppositions underlying so-called feminine publications of their time, both women carry out an intriguing disarticulation of the classic private/public divide that empowers their female readers to conceive of female subjectivity in new and innovative ways. Almost a mythic figure in the world of Latin American letters, Alfonsina Storni has achieved world renown as Argentina’s most famous “poetess of love,” thus obscuring her substantial contributions to Argentinean periodical literature. Even though Charlotte Perkins Gilman has become one of the most influential figures in the history of American First-Wave Feminism, that reputation is largely founded on her feminist fiction and her book Women and Economics, while her journalistic accomplishments have received considerably less attention. The transnational dialogue between these two writers conjured up in this article unearths this more or less neglected corpus to reveal the ways in which both subverted traditional definitions of gender through a transgressive use of discursive spaces heavily coded as “feminine” by patriarchal ideology.

  20. Disorienting the Furniture: The Transgressive Journalism of Alfonsina Storni and Charlotte Perkins Gilman

    Directory of Open Access Journals (Sweden)

    Mariela E. Méndez

    2010-03-01

    Full Text Available Drawing on the journalistic prose of two major literary figures of early-twentieth-century Argentina and the U.S., this article breaches cultural, national, and geographical frontiers by comparing the discursive gestures through which Alfonsina Storni and Charlotte Perkins Gilman re-appropriate for themselves the canonical genre of essay-writing to advance their feminist agendas. By undermining the presuppositions underlying so-called feminine publications of their time, both women carry out an intriguing disarticulation of the classic private/public divide that empowers their female readers to conceive of female subjectivity in new and innovative ways. Almost a mythic figure in the world of Latin American letters, Alfonsina Storni has achieved world renown as Argentina’s most famous “poetess of love,” thus obscuring her substantial contributions to Argentinean periodical literature. Even though Charlotte Perkins Gilman has become one of the most influential figures in the history of American First-Wave Feminism, that reputation is largely founded on her feminist fiction and her book Women and Economics, while her journalistic accomplishments have received considerably less attention. The transnational dialogue between these two writers conjured up in this article unearths this more or less neglected corpus to reveal the ways in which both subverted traditional definitions of gender through a transgressive use of discursive spaces heavily coded as “feminine” by patriarchal ideology.

  1. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  2. A. Scacchi on Chloé Avril’s The Feminist Utopian Novels of Charlotte Perkins Gilman

    OpenAIRE

    2010-01-01

    Chloé Avril. The Feminist Utopian Novels of Charlotte Perkins Gilman: Themes of sexuality, Marriage, and Motherhood. Lewiston, NY: The Edwin Mellen Press, 2008. Pp. 199. ISBN:  978-0-7734-4969-5.    It is widely accepted that Charlotte Perkins Gilman was rescued from oblivion by the feminist movement in the 1970s. In fact, this historical reconstruction of Gilman’s fortune is not completely accurate. We can date the revival at least from 1966, when a new edition of Women and Economics was rei...

  3. A. Scacchi on Chloé Avril’s The Feminist Utopian Novels of Charlotte Perkins Gilman

    Directory of Open Access Journals (Sweden)

    2010-05-01

    Full Text Available Chloé Avril. The Feminist Utopian Novels of Charlotte Perkins Gilman: Themes of sexuality, Marriage, and Motherhood. Lewiston, NY: The Edwin Mellen Press, 2008. Pp. 199. ISBN:  978-0-7734-4969-5.   It is widely accepted that Charlotte Perkins Gilman was rescued from oblivion by the feminist movement in the 1970s. In fact, this historical reconstruction of Gilman’s fortune is not completely accurate. We can date the revival at least from 1966, when a new edition of Women and Economics was reis...

  4. Private I: The Protagonists in Lynne Rae Perkins' Newbery-Winning Novel Are Shy, Talented, and Extremely Thoughtful--Kind of Like the Author

    Science.gov (United States)

    Barstow, Barb

    2006-01-01

    Lynne Rae Perkins is the author of "Criss Cross," which won the Newbery Medal, the nation's most prestigious prize for children's book. Perkins grew up in Cheswick, PA, near Pittsburgh, majored in printmaking at Penn State, and attended grad school at the University of Wisconsin-Milwaukee. She moved to Leelanau County, MI, in 1987 with her…

  5. Pricing Microfinance Loans and Loan Guarantees using Biased Loan Write-off Data

    OpenAIRE

    Chowdhry, Bhagwan; Cassell, David; Gamett, James B; Milkwick, Gary J; Nielsen, Chad D; Sederstrom, Jon D

    2005-01-01

    We present a simple, easy to implement methodology for pricing microfinance loans and loan guarantees using publicly available data on loan write-offs by Micro Finance Institutions (MFIs). Our methodology takes into account the selection bias inherent in available data in that MFIs that do not report loan write-off data are less likely to be better performers. Our quantitative analysis is consistent with pricing seen in a recent securitization deal. Our analysis suggests how securitization a...

  6. 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,

  7. Practical Divinity and Medical Ethics: Lawful versus Unlawful Medicine in the Writings of William Perkins (1558–1602)

    Science.gov (United States)

    Gevitz, Norman

    2013-01-01

    This article examines for the first time the theologically based medical ethics of the late sixteenth-century English Calvinist minister William Perkins. Although Perkins did not write a single focused book on the subject of medical ethics, he addressed a variety of moral issues in medicine in his numerous treatises on how laypeople should conduct themselves in their vocations and in all aspects of their daily lives. Perkins wrote on familiar issues such as the qualities of a good physician, the conduct of sick persons, the role of the minister in healing, and obligations in time of pestilence. His most significant contribution was his distinction between “lawful” and “unlawful” medicine, the latter category including both medical astrology and magic. Perkins's works reached a far greater audience in England and especially New England than did the treatises of contemporary secular medical ethics authors and his writings were influential in guiding the moral thinking of many pious medical practitioners and laypersons. PMID:22235029

  8. Merlino-Perkins Father-Daughter Relationship Inventory (MP-FDI): Construction, Reliability, Validity, and Implications for Counseling and Research

    Science.gov (United States)

    Merlino Perkins, Rose J.

    2008-01-01

    The Merlino-Perkins Father-Daughter Relationship Inventory, a self-report instrument, assesses women's childhood interactions with supportive, doting, distant, controlling, tyrannical, physically abusive, absent, and seductive fathers. Item and scale development, psychometric findings drawn from factor analyses, reliability assessments, and…

  9. Limiting Real Estate Loans

    Institute of Scientific and Technical Information of China (English)

    WANG JUN

    2010-01-01

    @@ More than eight months after the Central Government issued an order for central enterprises whose core business was not real estate to withdraw from the property sector, many enterprises in question have been sluggish to adhere to, or have altogether ignored, the government directive. Only 16 central enterprises are authorized to get new property development loans in the future, but 78 additional enterprises have business dealings in the real estate market, according to a recent report in China Securities Journal.

  10. 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...

  11. 34 CFR 685.203 - Loan limits.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan limits. 685.203 Section 685.203 Education..., DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.203 Loan limits... Direct Stafford/Ford Loan Program and Federal Stafford Loan Program aggregate limits. The...

  12. 5 CFR 1655.11 - Loan acceptance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan acceptance. 1655.11 Section 1655.11 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.11 Loan acceptance. The... pending loan agreement or in-service withdrawal request; (d) The amount of the requested loan is less than...

  13. 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... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans... comparable maturity. (2) Have terms that, in the judgment of the Board, are consistent in material...

  14. 10 CFR 611.107 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  15. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  16. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

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

  17. Chinese Loan Words in English

    Institute of Scientific and Technical Information of China (English)

    郜战莹

    2015-01-01

    English language is the most common working language.In the history of its development,English has widened its vocabulary by borrowing.Borrowing plays an important role in the formation of modern English.Chinese loan words are a part in the family of all the loan words.Therefore,the number of loan words which originate from Chinese is not that great,but they hold an important role in contemporary English.

  18. SBA Disaster Loan Data FY2012

    Data.gov (United States)

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

  19. SBA Disaster Loan Data FY2005

    Data.gov (United States)

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

  20. SBA Disaster Loan Data FY2004

    Data.gov (United States)

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

  1. 34 CFR 668.52 - Definitions.

    Science.gov (United States)

    2010-07-01

    ... Grant, Federal Perkins Loan, FWS, FSEOG, Federal Stafford Loan, and William D. Ford Federal Direct Loan... Perkins Loan, FWS, FSEOG, Federal Stafford Loan, or William D. Ford Federal Direct Loan...

  2. 26th Annual GCSSEPM Foundation Bob F.Perkins Research Conference on "Reservoir characterization:integrating technology and business practices"

    Institute of Scientific and Technical Information of China (English)

    Roger M. Slatt

    2007-01-01

    @@ The 2006 26th Annual GCSSEPM Foundation Bob F. Perkins Research Conference on "Reservoir characterization: Integrating technology and business practices" presented a solid testimonial to how far we have advanced in the technologies and practices of reservoir characterization since the 1990 AAPG-SEG-SPE-SPWLA 1st Archie Conference on "Integration of Geology, Geophysics, Petrophysics, and Petroleum Engineering in Reservoir Delineation, Description and Management".

  3. 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 spre

  4. The Selling of Student Loans

    Science.gov (United States)

    Field, Kelly

    2007-01-01

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

  5. Deviations of the lepton mapping matrix from the Harrison-Perkins-Scott form

    Institute of Scientific and Technical Information of China (English)

    R.Friedberg; T.D.Lee

    2010-01-01

    We propose a simple set of hypotheses governing the deviations of the leptonic mapping matrix from the Harrison-Perkins-Scott(HPS)form.These deviations are supposed to arise entirely from a perturbation of the mass matrix in the charged lepton sector.The perturbing matrix is assumed to be purely imaginary(thus maximally T-violating)and to have a strength in energy scale no greater(but perhaps smaller)than the muon mass.As we shall show,it then follows that the absolute value of the mapping matrix elements pertaining to the tan lepton deviate by no more than O((mμ/mτ)2)≈3.5 × 10-3 from their HPS values.Assuming that(mμ/mτ)2 can be neglected,we derive two simple constraints on the four parameters θ12,θ23,θ31,and δ of the mapping matrix.These constraints are independent of the details of the imaginary T-violating perturbation of the charged lepton mass matrix.We also show that the e and μ parts of the mapping matrix have a definite form governed by two parameters a and β; any deviation of order mμ/mτ can be accommodated by adjusting these two parameters.

  6. KETERPENJARAAN TOKOH PEREMPUAN DALAM CERPEN THE YELLOW WALLPAPER KARYA CHARLOTTE PERKINS GILMAN

    Directory of Open Access Journals (Sweden)

    Ratna Asmarani

    2015-09-01

    Full Text Available The purpose of this paper is to analyse the problems around the imprisonment of the female protagonist in Chalotte Perkins Gilman’s short story entiled The Yellow Wallpaper. The focus of the analysis is on the actors and factors causing imprisonment, types dan impacts of imprisonment, efforts to overcome the imprisonment, and the end of the imprisonment experienced by the female protagonist. To analyse this problems, feminist literary criticism is used supported by the stereotypes of the nineteenth century women, the medical opinion at that time and the feminist perspective concerning the mental disorder experienced by women, and the concept of oppression in the imprisonment as well. The result shows that a woman who experiences the physical and psychological imprisonment in the patriarchal household area tends to have mental disorder as an alternative to gain freedom. The conclusion that can be drawn is that in the patriarchal environment women’s movement area and psychological, emotional, intellectual actualization  tend to be limited in which the women who fight against those linitations will get the stigma of suffering from mental illness.

  7. Deviations of the Lepton Mapping Matrix from the Harrison-Perkins-Scott Form

    CERN Document Server

    Friedberg, R

    2010-01-01

    We propose a simple set of hypotheses governing the deviations of the leptonic mapping matrix from the Harrison-Perkins-Scott (HPS) form. These deviations are supposed to arise entirely from a perturbation of the mass matrix in the charged lepton sector. The perturbing matrix is assumed to be purely imaginary (thus maximally $T$-violating) and to have a strength in energy scale no greater (but perhaps smaller) than the muon mass. As we shall show, it then follows that the absolute value of the mapping matrix elements pertaining to the tau lepton deviate by no more than $O((m_\\mu/m_\\tau)^2) \\simeq 3.5 \\times 10^{-3}$ from their HPS values. Assuming that $(m_\\mu/m_\\tau)^2 $ can be neglected, we derive two simple constraints on the four parameters $\\theta_{12}$, $\\theta_{23}$, $\\theta_{31}$, and $\\delta$ of the mapping matrix. These constraints are independent of the details of the imaginary $T$-violating perturbation of the charged lepton mass matrix. We also show that the $e$ and $\\mu$ parts of the mapping mat...

  8. 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....

  9. 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... basis that assures repayment. (f) This section shall not apply to loans described in 11 CFR 100.83...

  10. 38 CFR 36.4315 - Loan modifications.

    Science.gov (United States)

    2010-07-01

    ... back from the modification. (j) This section does not create a right of a borrower to have a loan... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan modifications. 36...) LOAN GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4315...

  11. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 3560.63 Section 3560.63 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... housing tax credits, limits will be those specified in § 3560.53(l). (2) Developer's fee. While,...

  12. 7 CFR 4274.331 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 4274.331 Section 4274.331 Agriculture... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum... be used for loans to ultimate recipients that exceed $150,000. This limit does not apply to...

  13. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes... consumers. (4) Risks of possible loss of substantial loads from large consumers or from load concentrations in particular industries will not substantially impair loan feasibility. (5) Risks of loss...

  14. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  15. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15 Qualifying loans. (a) General. Loan repayments provided...

  16. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

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

  17. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

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

  18. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... November 22, 2010. FOR FURTHER INFORMATION CONTACT: Connie Holman, Senior Loan Officer, USDA FSA LMD, STOP...-mail: connie.holman@wdc.usda.gov . Persons with disabilities or who require alternative means...

  19. 无序的市场,有序的布局——访PerkinElmer公司大中华区销售总监陈晴%Disorderly Market and Systematical Market Deployment-An Interview with Steven Chen, Sales Director of Greater China of PerkinElmer

    Institute of Scientific and Technical Information of China (English)

    李丽萍

    2006-01-01

    @@ 1937年4月19日,两个美国人珀金·理查德和埃尔默·查理斯创立了PerkinElmer公司. 1944年,PerkinElmer公司成功推出世界上第一台商用红外分光光度计-12型开始,这奠定了PerkinElmker公司在分析仪器市场70年的繁荣基础.如今,PerkinElmer公司已经是分析仪器界新技术和完善产品的代名词,位列全球三大品牌之一.

  20. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

    Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

  1. 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...

  2. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

    ... following categories: (i) Lender will price the loan at the Wall Street Journal published Prime Rate plus 1.5 percent or less (5 points). (ii) Lender will price the loan at the Wall Street Journal...

  3. Economic Loan Loss Provision and Expected Loss

    National Research Council Canada - National Science Library

    Hlawatsch, Stefan; Ostrowski, Sebastian

    2010-01-01

    ... 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...

  4. 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 va

  5. 13 CFR 302.3 - Project servicing for loans, loan guaranties and Investment Assistance.

    Science.gov (United States)

    2010-01-01

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

  6. 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... prohibitions of 11 CFR 110.4, 110.20, part 114 and part 115; or (2) The lending institution making the loan...

  7. 76 FR 13769 - Rural Broadband Access Loans and Loan Guarantees

    Science.gov (United States)

    2011-03-14

    ... access too high, or limit potential demand, thus depressing the profitability of providing service... speed. Broadband loan. Build-out. Competitive analysis. Cost share. Customer premise equipment (CPE... in a notice in the Federal Register, that an applicant must deliver to the customer in order for...

  8. 76 FR 75427 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2011-12-02

    ...; (6) Obtain from the buyer a current balance sheet, income statement, cash flow budget, and any... direct and guaranteed loans as required by the Food, Conservation, and Energy Act of 2008 (the 2008 Farm..., buyers with an Agency approved repayment plan under this section will supply the Agency a current...

  9. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

    ... FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... criteria: (i) The Private Loan shall have one set of semi-annual payment dates; (ii) Interest on and... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section...

  10. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  11. Loan Officers’ Gender and Microfinance Repayment Rates

    NARCIS (Netherlands)

    Berg, van den Marrit; Lensink, Robert; Servin, Roselia

    2015-01-01

    This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a cruci

  12. Loan Officers’ Gender and Microfinance Repayment Rates

    NARCIS (Netherlands)

    Berg, van den Marrit; Lensink, Robert; Servin, Roselia

    2015-01-01

    This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a

  13. 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... loan during the loan period at a rate that is the lesser of: (1) The principal, plus interest; or (2) The alternative repayment rate for honey as determined by the Secretary. (3) In the event of a severe...

  14. 78 FR 26485 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2013-05-07

    ... Part 3575 RIN 0575-AC92 Community Programs Guaranteed Loans AGENCY: Rural Housing Service, USDA. ACTION... Community Facilities Guaranteed Loan Program in two separate sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed Loan. The intended effect of this...

  15. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan limits. 3560.612 Section 3560.612 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The...

  16. 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...) Payment of fees. The applicant, or in the case of a real estate purchase, the applicant and seller, must pay all filing, recording, notary, lien search, and any other fees necessary to process and close a...

  17. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

    This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject potentia...

  18. Cyclicality in Losses on Bank Loans

    NARCIS (Netherlands)

    B. Keijsers (Bart); B.F. Diris (Bart); H.J.W.G. Kole (Erik)

    2015-01-01

    markdownabstract__Abstract__ Cyclicality in the losses of bank loans is important for bank risk management. Because loans have a different risk profile than bonds, evidence of cyclicality in bond losses need not apply to loans. Based on unique data we show that the default rate and loss given defau

  19. 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... used only to finance: (a) Community facilities as defined in § 1980.402 of this subpart, and (b) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating...

  20. 7 CFR 4279.126 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4279.126 Section 4279.126 Agriculture... Loan terms. (a) The maximum repayment for loans on real estate will not exceed 30 years; machinery and... or 15 years, whichever is less; and working capital repayment will not exceed 7 years. The term for...

  1. 7 CFR 4274.320 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4274.320 Section 4274.320 Agriculture... (IRP) § 4274.320 Loan terms. (a) No loan to an intermediary shall be extended for a period exceeding 30... revolving fund will be scheduled for repayment over a term negotiated by the intermediary and...

  2. 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... FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed... equal to the rate on Treasury securities of a similar term. In general, the financial...

  3. 44 CFR 206.367 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... outstanding cash from the actual date of its disbursement by the Treasury. (2) The interest amount due will be... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in... be added to the unpaid balance of the loan, bear interest at the same rate as the loan, and...

  4. Timescale of Petrogenetic Processes Recorded in the Mount Perkins Magma System, Northern Colorado River Extension Corridor, Arizona

    Science.gov (United States)

    Danielson, Lisa R.; Metcalf, Rodney V.; Miller, Calvin F.; Rhodes Gregory T.; Wooden, J. L.

    2013-01-01

    The Miocene Mt. Perkins Pluton is a small composite intrusive body emplaced in the shallow crust as four separate phases during the earliest stages of crustal extension. Phase 1 (oldest) consists of isotropic hornblende gabbro and a layered cumulate sequence. Phase 2 consists of quartz monzonite to quartz monzodiorite hosting mafic microgranitoid enclaves. Phase 3 is composed of quartz monzonite and is subdivided into mafic enclave-rich zones and enclave-free zones. Phase 4 consists of aphanitic dikes of mafic, intermediate and felsic compositions hosting mafic enclaves. Phases 2-4 enclaves record significant isotopic disequilibrium with surrounding granitoid host rocks, but collectively enclaves and host rocks form a cogenetic suite exhibiting systematic variations in Nd-Sr-Pb isotopes that correlate with major and trace elements. Phases 2-4 record multiple episodes of magma mingling among cogenetic hybrid magmas that formed via magma mixing and fractional crystallization at a deeper crustal. The mafic end-member was alkali basalt similar to nearby 6-4 Ma basalt with enriched OIB-like trace elements and Nd-Sr-Pb isotopes. The felsic end-member was a subalkaline crustal-derived magma. Phase 1 isotropic gabbro exhibits elemental and isotopic compositional variations at relatively constant SiO2, suggesting generation of isotropic gabbro by an open-system process involving two mafic end-members. One end-member is similar in composition to the OIB-like mafic end-member for phases 2-4; the second is similar to nearby 11-8 Ma tholeiite basalt exhibiting low epsilon (sub Nd), and depleted incompatible trace elements. Phase 1 cumulates record in situ fractional crystallization of an OIB-like mafic magma with isotopic evidence of crustal contamination by partial melts generated in adjacent Proterozoic gneiss. The Mt Perkins pluton records a complex history in a lithospheric scale magma system involving two distinct mantle-derived mafic magmas and felsic magma sourced in the

  5. Financial Scandals and Student Loans

    Science.gov (United States)

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

    The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…

  6. Trouble Ahead for Student Loans?

    Science.gov (United States)

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

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

  7. Comparison of Intraocular Pressure before and after Laser In Situ Keratomileusis Refractive Surgery Measured with Perkins Tonometry, Noncontact Tonometry, and Transpalpebral Tonometry

    Directory of Open Access Journals (Sweden)

    Isabel Cacho

    2015-01-01

    Full Text Available Purpose. To compare the intraocular pressure (IOP before and after Laser In Situ Keratomileusis (LASIK, measured by Diaton, Perkins, and noncontact air pulse tonometers. Methods. Fifty-seven patients with a mean age of 34.88 were scheduled for myopia LASIK treatment. Spherical equivalent refraction (SER, corneal curvature (K, and central corneal thickness (CCT and superior corneal thickness (SCT were obtained before and after LASIK surgery. IOP values before and after surgery were measured using Diaton, Perkins, and noncontact air pulse tonometers. Results. The IOP values before and after LASIK surgery using Perkins tonometer and air tonometers were statistically significant (p0.05 for IOP values measured with Diaton tonometer. CCT decreases significantly after surgery (p<0.05 but no statistical differences were found in SCT (p=0.08. Correlations between pre- and postsurgery were found for all tonometers used, with p=0.001 and r=0.434 for the air pulse tonometer, p=0.008 and r=0.355 for Perkins, and p<0.001 and r=0.637 for Diaton. Conclusion. Transpalpebral tonometry may be useful for measuring postsurgery IOP after myopic LASIK ablation because this technique is not influenced by the treatment.

  8. Instrumental improvement of the XYZ-translation system for a Perkin-Elmer Sciex Elan 500 ICP-MS

    Science.gov (United States)

    Klinkenberg, Huub; Beeren, Ton; van Borm, Werner; Mevissen, Bert; van Dongen, Cees

    1993-02-01

    A Perkin-Elmer Sciex Elan 500 ICP-MS is equipped with a translation system with which the torch box can be positioned manually by means of three knobs. In the course of our work, it was felt that this positioning was difficult to perform and hardly reproducible. It was decided to modify the system by changing the manual controls using an electronic control device. Three d.c. servo-motors were built into the Elan 500, driving the torch box in the X-, Y-and Z-directions. For each axis, the displacement is measured and displayed on a digital voltmeter. The analytical performance of the XYZ-translation system is illustrated by means of maximizing ion count rate while minimizing the influence of oxide- and doubly charged ions. Finally, the XYZ-translation system was completely incorporated into the Elan 500.

  9. English Loan Words in Chinese

    Institute of Scientific and Technical Information of China (English)

    胡悦

    2016-01-01

    During the process of language contact, a lot of language changes may appear, among which lexical borrowing, the ori-gin lexical item from one language being used by another language, is one of the most common phenomena. As a result of glo-balization, the frequent contact with western culture and the English language has brought a huge amount of lexical borrowings to the Chinese language. This paper mainly looks at the language contact of the English loan words in Chinese in the following three methods, namely transliteration, semantic loan and a mixture of the two respectively. The discussion over the examination will contribute to the understanding of English as a lingua franca and its language contact with Chinese.

  10. 75 FR 58285 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-09-24

    ... Part 701 RIN 3133-AD71 Short-Term, Small Amount Loans Agency: National Credit Union Administration... unions (FCUs) to offer short-term, small amount loans (STS loans) as a viable alternative to predatory payday loans. The amendment permits FCUs to charge a higher interest rate for an STS loan than is...

  11. 42 CFR 57.309 - Payment of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  12. Determinants of Households’ Overdue Loans in Romania

    Directory of Open Access Journals (Sweden)

    Adrian CODIRLASU

    2011-01-01

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

  13. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

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

  14. Degree of Competition of Consumer Loan Industry

    OpenAIRE

    Kohei Kubota; Yoshiro Tsutsui

    2008-01-01

    The purpose of this paper is to estimate the degree of competition of consumer loan industry in Japan utilizing responses to a questionnaire survey conducted by Japan Consumer Finance Association. Estimating the cost function, we found that the industry is characterized by large scale economies. Estimation of Lerner index, H-statistics, degree of noncompetition, and degree of collusion reveals that consumer loan market is highly monopolistic. Consumer loan companies answered to a question tha...

  15. 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.

  16. Strategies for selling smaller pools of loans

    OpenAIRE

    McCarthy, John

    2006-01-01

    Proceedings of the Conference on the Secondary Market for Community Development Loans In September 2006, the Federal Reserve hosted a conference on secondary markets for community development loans. A theme that emerged was that techniques, programs, and structures that work for large loans do not necessarily work for small ones. In this article, I briefly outline why smaller deals can be more difficult to finance, and describe two ways in which the Community Preservation Corporation (CPC) ha...

  17. Income contingent loans in higher education financing

    OpenAIRE

    Chapman, Bruce

    2016-01-01

    Around nine countries currently use a national income contingent loan (ICL) scheme for higher education tuition using the income tax system. Increased international interest in ICL validates an examination of its costs and benefits relative to the traditional financing system, government-guaranteed bank loans (GGBLs). Bank-type loans exhibit poor economic characteristics: namely, repayment hardships for the disadvantaged, and default. This damages credit reputations and can be associated with...

  18. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... of employment (MSE) for Military Reservist Economic Injury Disaster Loan (MREIDL) assistance. SBA may... the applicant's status as a major source of employment for Military Reserve Economic Injury...

  19. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... Agency regulations for the 7(a) Business Loan Program. (70 FR 69645). Because the pilot was designed as a... regulations identified in the Federal Register notice at 70 FR 69645 through September 30, 2011. SBA's waiver... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business...

  20. 76 FR 18375 - Small Business Jobs Act: Eligible Loans for 504 Loan Program Debt Refinancing

    Science.gov (United States)

    2011-04-04

    ... ADMINISTRATION 13 CFR Part 120 Small Business Jobs Act: Eligible Loans for 504 Loan Program Debt Refinancing... Small Business Jobs Act. DATES: Effective Date: This document is effective April 4, 2011. FOR FURTHER... the Small Business Jobs Act (Jobs Act), Public Law 111-240, 124 Stat. 2504, only loans that...

  1. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review AGENCY: Department of... review. Currently, lenders can submit loan files selected for review by LGY through either electronic...

  2. Do Mortgage Loans Respond Perversly to Monetary Policy?

    National Research Council Canada - National Science Library

    Al i Termos; Mohsen Saad

    2016-01-01

    .... Our major finding is that while commercial and industrial (C&I) loans and consumer loans respond to monetary policy asymmetrically according to theoretical predictions, mortgage loans show a reverse asymmetric response...

  3. Loan sales under asymmetric information

    OpenAIRE

    Vargas Martínez, Mónica

    2010-01-01

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

  4. 7 CFR 1735.100 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Toll Line... depreciation of the facilities, any concurrences with the connecting companies involved, and a...

  5. Wood anatomy of Mollinedia glabra (Spreng.) Perkins (Monimiaceae) in two Restinga Vegetation Formations at Rio das Ostras, RJ, Brazil.

    Science.gov (United States)

    Novaes, Fernanda da S; Callado, Cátia H; Pereira-Moura, Maria Verônica L; Lima, Helena R P

    2010-12-01

    This paper aimed to characterize the anatomical structure of the wood of specimens of Mollinedia glabra (Spreng.) Perkins growing in two contiguous formations of restinga vegetation at Praia Virgem, in the municipality of Rio das Ostras, RJ. Both the Open Palmae (OPS) and the Sandy Strip Closed Shrub (SSCS) formations are found in coastal regions that receive between 1,100 and 1,300 mm of rainfall per year. Sapwood samples were collected in both formations. Typical anatomical features for this species include: solitary vessels, radial multiples or clusters elements, that are circular to angular in outline, 5-15 barred scalariform perforation plates, wood parenchyma scanty, septate fiber-tracheids, and wide multiseriate rays with prismatic crystals. Statistical analyses indicated a significant increase in the frequency of vessel elements and an increase in fiber-tracheid diameters in OPS individuals. These characteristics are considered structural adaptations to increased water needs caused by a greater exposure to sunlight. Continuous pruning may be responsible for the tyloses observed in OPS plants. The greater lengths and higher frequencies of the rays in SSCS trees may be due to the greater diameters of their branches. Our results suggest that M. glabra develops structural adaptations to the restinga micro-environmental variations during its development.

  6. Tranching in the Syndicated Loan Market

    NARCIS (Netherlands)

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

    2011-01-01

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

  7. 75 FR 54005 - Conservation Loan Program

    Science.gov (United States)

    2010-09-03

    ... reasonable to require a lender to perform as intensive a cash flow analysis as is necessary for applicants... and not being converted to cash to reduce the loan amount. Currently, downpayment loans and youth... practices due to increasing pressure to minimize or eliminate: (1) Surface water quality deterioration from...

  8. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

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

  9. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

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

    2013-01-01

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

  10. Foreign Currency Loans - Demand or Supply Driven?

    NARCIS (Netherlands)

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

    2009-01-01

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

  11. Rising interest rates, bank loans, and deposits

    OpenAIRE

    Hesna Genay; Darrin Halcomb

    2004-01-01

    The authors show how the relationships between interest rate changes, deposit growth rates, and loan growth rates have changed in the last ten years, discuss some possible reasons, and assess the likely impact of rising interest rates on loans and deposits going forward.

  12. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ...: n = the term of the loan; ib = the benchmark interest rate for uncreditworthy companies; if = the long-term interest rate that would be paid by a creditworthy company; pn = the probability of default... commercial loans. (iii) Exception for uncreditworthy companies. If the Secretary finds that a firm...

  13. FEATURES OF LOAN COMMITMENTS IN FINANCIAL OBLIGATIONS

    Directory of Open Access Journals (Sweden)

    Kolomiets E. A.

    2015-01-01

    Full Text Available The article has examined the legal nature of borrowings. The author carries out a comparative legal analysis of debt obligations in comparison with the obligations arising from the contract of bank deposit, bank account agreement, loan agreement, factoring agreement, the insurance contract, the contract of storage. On the basis of a comparative research of the obligations arising from the loan agreement with the other financial liabilities we have determined the state of borrowings in the financial obligations. The author proves the general nature of the obligation of the loan in relation to other financial obligations. A contract of loan for the purpose of its subject and obligations arising from it is much closer to the lease contract and the loan, rather than to the same insurance contract or bank deposit. Borrowings are different from financial obligations only by the fact that its objects are things that contain generic characteristics, interchangeable and not individually defined, as it is in the case of contracts of property employment and loans. An important difference between the loan agreements from other financial instruments is the fact that in the loan agreement the property is transferred to the ownership and not in the possession and use of the borrower

  14. 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.

  15. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... the OGC determines the Form to be inappropriate, real estate mortgage Form FmHA or its...

  16. 7 CFR 1822.265 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE....C. 1480; delegation of authority by the Sec. of Agri., 7 CFR 2.23; delegation of authority by...

  17. 38 CFR 6.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... exceed 94 percent of the cash value, and any indebtedness shall be deducted from the amount advanced on such loan. The loan shall bear interest at a rate not to exceed 5 percent per annum, payable annually... or exceed the cash value thereof. When the amount of the indebtedness equals or exceeds the...

  18. 7 CFR 1735.43 - Payments on loans.

    Science.gov (United States)

    2010-01-01

    ... depreciation rates published by RUS for all borrowers (see 7 CFR 1737.70). Borrowers may request a repayment... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Terms of Loans... economic life shall be based on the depreciation rates for the facilities financed by the loan. In...

  19. 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...

  20. 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...

  1. 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...

  2. DEVELOPMENT OF LOAN MODULE USING BUSINESS RULES ENGINE

    Directory of Open Access Journals (Sweden)

    Sachin Chaware

    2015-10-01

    Full Text Available Banking loan module is a runtime business application. It is the automatic processing of all the loans, due to which the loan form can be filled from anywhere and the bank person approves loan within short span of time. There is very big crowd to fill the loan form manually which is very tiresome job. Also the manual process is very lengthy process which requires 3 days for approval of loan. Our customers will having their loan applications approved within 60 minutes of lodging the application instead of 3 days as per the paper-centric solution we were persisting with. This paper consists of method of development of dynamic loan module system which includes the loan origination process, loan form filling process and loan verification process. The method is developed by using the RETE pattern matching algorithm. Due to which the loan module system becomes very fast and work effective. In addition to this loan module system, we have also developed the CIBIL score generating system for the approved loan applications and determination of rupee dollar rate and calculation of rate of interest of loans. Due to which the manager originates the roi of loans that also helps the manager to stabilize the India’s economy and prevents itself from recession and other economic falls.

  3. 7 CFR 1940.591 - Community Program Guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Community Program Guaranteed loans. 1940.591 Section... Loan and Grant Program Funds § 1940.591 Community Program Guaranteed loans. (a) Amount available for... transition formula for Community Program Guaranteed loans is not used. (e) Base allocation. See §...

  4. 5 CFR 1655.6 - Amount of loan.

    Science.gov (United States)

    2010-01-01

    ... Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.6 Amount of loan. (a) Minimum amount. The initial principal amount of any loan may not be less than $1,000. (b) Maximum amount. The principal amount of a new loan must be less than or equal to the smallest of the following: (1...

  5. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

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

  6. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... maturity date of the loan. Title, all rights, and interest to such sugar shall immediately vest in CCC. (g) The value of the settlement of loans shall be made by CCC according to the CCC schedule of premiums... processor does not redeem any of the nonrecourse loan collateral, title to the unredeemed nonrecourse loan...

  8. Kosovo farmers demand for agricultural loans

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Jehona Shkodra

    2016-07-01

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

  9. Crop price indemnified loans for farmers

    OpenAIRE

    Karlan, Dean; Kutsoati, Ed; McMillan, Margaret; Udry, Chris

    2010-01-01

    Farmers face a particular set of risks that complicate the decision to borrow. We use a randomized experiment to investigate (1) the role of crop-price risk in reducing demand for credit among famers and (2) how risk mitigation changes farmers’ investment decisions. In rural Ghana, we offer farmers loans with an indemnity component that forgives 50 percent of the loan if crop prices drop below a threshold price. A control group is offered a standard loan product at the same interest rate. We ...

  10. Agriculture loan insurance contract and performance

    OpenAIRE

    Ozaki,Vitor Augusto

    2011-01-01

    Agricultural loan insurance is one of the main risk transfer mechanisms used by the producers in some regions of the country. This insurance guarantees a percentage of the loan budget, thus assuring the payment of the agreed financing. Initially the present article analyzes the State of São Paulo Insurance Company (Companhia de Seguros do Estado de São Paulo - Cosesp) loan insurance origins and evolution, and later on its expansion to other States. Moreover, it details the main features of th...

  11. 12 CFR Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates

    Science.gov (United States)

    2010-01-01

    ... Period 1 is a two-year loan period. (2) Loan Period 2 is the life expectancy in years of the youngest... 1979-1981 for females, rounded to the nearest whole year. (3) Loan Period 3 is the life expectancy figure in Loan Period 3, multiplied by 1.4 and rounded to the nearest full year (life expectancy...

  12. Credit: Educational Loans, Money Management, Credit Cards

    Science.gov (United States)

    Nation's Schools and Colleges, 1974

    1974-01-01

    Brief notes discuss current developments such as a bank loan program for parents with university-age children; a high school student-run credit union; and charging education fees with credit cards. (JF)

  13. 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

  14. 34 CFR 674.39 - Loan rehabilitation.

    Science.gov (United States)

    2010-07-01

    ... crime involving fraud in obtaining title IV, HEA program assistance. The institution's loan... credit history. (c) Collection costs on a rehabilitated loan— (1) If charged to the borrower, may...

  15. 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....

  16. 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.…

  17. 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.

  18. IMF Loans to Hungary, 1996–2008

    OpenAIRE

    György Csáki

    2013-01-01

    Hungary has been an IMF member since May 1982 and has since benefited from the IMF’s lending instruments on 11 occasions. The IMF loans supported economic transformation (in the period between 1988 and 1993), facilitated Hungary in overcoming the transformation recession (in 1996) and helped to tackle economic crisis (in 2008). This paper analyses the two latter IMF loans in order to provide background context to Hungary’s IMF negotiations, ongoing since November 2011.Ever since 1982, Hungary...

  19. National Asset Management Agency Management of Loans

    OpenAIRE

    Buckley, John

    2012-01-01

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

  20. A new Loan-Stock Financial Instrument

    CERN Document Server

    Morozovsky, A; Kholodenko, Y; 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 portfolio and a technique to fairly price the LSI is described. The philosophy behind this procedure is quite similar to the Black-Scholes formalism in option theory. Creation of the risk free portfolio is possible because the change in the underlying security offsets the change in the value of the loan (or the amount that the borrower has to repay). The new financial instrument takes an advantage of the fact that on average the stock market grows in time. It is beneficial for both the borrower and the lender. The LSI is mo...

  1. Re-writing ‘Woman’: New Woman Hybridity in Araki Iku’s “The Letter” and Charlotte Perkins Gilman’s “Turned”

    Directory of Open Access Journals (Sweden)

    Khou, Carrie

    2012-01-01

    Full Text Available Turn-of-the-century (1890-1920 short fiction in Japan and the United States portrays the New Woman as a figure of hybridization subverting the legitimacy of binary gender codes. This article outlines how Charlotte Perkins Gilman’s story “Turned” and Araki Iku’s “The Letter” exemplify and interrogate the hybrid nature of the New Woman concept. The concept of hybridity serves to reveal female identity as negotiable and permeable, simultaneously disclosing the New Woman as a transnational figure, which enables a broad set of cultural interpretations.

  2. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... Program. (70 FR 69645). The pilot, including the waiver of regulations, was designed as a temporary... its waiver of the Agency regulations identified in the Federal Register notice at 70 FR 69645 with the... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business...

  3. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

    .... (i) Dental Hygiene. (j) Dental Assistant: Certified. (k) Pharmacy: B.S., Pharm.D. (l) Optometry: O.D...] Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  4. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

    ... fees, except for filing fees; environmental and historic review fees including archaeological study... wiring; electrical motors; off-farm paid labor; on-farm site preparation and construction equipment costs... facility loans, the agency approval officials may only approve loans, subject to available funds....

  5. Direct Loans: A Better Way To Borrow. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC. Student Financial Assistance.

    The Web site http://www.ed.gov/DirectLoan/ provides information on the William D. Ford Federal Direct Loan Program for both professionals and borrowers. For professionals, it provides information on conferences, promissory notes, regulations, laws, and relevant links, as well as technical assistance, and other publications and guides. For…

  6. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

    ... provide loans to family farmers to buy real estate and equipment, and finance agricultural production... loans. FSA is required to actively supervise its borrowers and provide credit counseling, management advice, and financial guidance. Additionally, FSA must document that credit is not available to...

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

    Science.gov (United States)

    2011-07-19

    ... 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. SUMMARY: The Farm Credit.... 2252, the effective date of the final rule is 30 days from the date of publication in the...

  8. Wood anatomy of Mollinedia glabra (Spreng. Perkins (Monimiaceae in two Restinga Vegetation Formations at Rio das Ostras, RJ, Brazil

    Directory of Open Access Journals (Sweden)

    Fernanda da S. Novaes

    2010-12-01

    Full Text Available This paper aimed to characterize the anatomical structure of the wood of specimens of Mollinedia glabra (Spreng. Perkins growing in two contiguous formations of restinga vegetation at Praia Virgem, in the municipality of Rio das Ostras, RJ. Both the Open Palmae (OPS and the Sandy Strip Closed Shrub (SSCS formations are found in coastal regions that receive between 1,100 and 1,300 mm of rainfall per year. Sapwood samples were collected in both formations. Typical anatomical features for this species include: solitary vessels, radial multiples or clusters elements, that are circular to angular in outline, 5-15 barred scalarifor perforation plates, ood parenchya scanty, septate fiber-tracheids, and wide multiseriate rays with prismatic crystals. Statistical analyses indicated a significant increase in the frequency of vessel elements and an increase in fiber-tracheid diameters in OPS individuals. These characteristics are considered structural adaptations to increased water needs caused by a greater exposure to sunlight. Continuous pruning may be responsible for the tyloses observed in OPS plants. The greater lengths and higher frequencies of the rays in SSCS trees ay be due to the greater diaeters of their branches. ur results suggest that . glabra develops structural adaptations to the restinga micro-environmental variations during its development.Este trabalho objetiva caracterizar a estrutura anatômica do lenho de Mollinedia glabra, ocorrente em duas formações vegetais contíguas na restinga da Praia Virgem, município de Rio das Ostras, RJ. Essas formações Arbustiva Aberta de Pal-mae (AAP e Arbustiva Fechada do Cordão Arenoso (AFCA estão sobre cordão arenoso e recebem precipitações anuais de 1.100-1.300 mm. Foram obtidas amostras do lenho das duas forações. São características anatôicas gerais da espécie: elementos de vasos solitários, em arranjos radiais ou cachos, de seção de circular a angular; placa de perfuração es

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

    African Journals Online (AJOL)

    Factors Affecting Loan Utilization And Repayment Patterns By Small Holder Farmers ... 61.3% of the respondents had a minimum of secondary school education. ... Also, it can be inferred that effective utilization of loan is directly influenced by ...

  10. 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...

  11. 49 CFR 22.57 - Loan reporting requirements.

    Science.gov (United States)

    2010-10-01

    ....dot.gov/financial/docs/Loan_Activation_DOT_F_2303-1.pdf. The Participating Lender must also provide....osdbu.dot.gov/financial/docs/Loan_Close-Out_DOT_F_2304-1.pdf. To fulfill this requirement,...

  12. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

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

  13. Viability of a student loan scheme in the Maldives

    OpenAIRE

    Shakeela, Fathimath

    2010-01-01

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

  14. Reframing the Student Loan Costing Debate: The Benefits of Competition

    Science.gov (United States)

    Galloway, Fred; Wilson, Hoke

    2005-01-01

    As debate in Washington heats up regarding congressional reauthorization of the Higher Education Act, a central question involves what to do about the continued coexistence of the two student loan programs--the Federal Family Education Loan Program (FFELP) and the Direct Loan Program (DLP). With hundreds of millions of dollars at stake for banks,…

  15. 34 CFR 682.216 - Teacher loan forgiveness program.

    Science.gov (United States)

    2010-07-01

    ... Consolidation Loans or Direct Consolidation Loans. The forgiveness program is only available to a borrower who... receive up to $5,000 of loan forgiveness if the borrower— (A) Demonstrated knowledge and teaching skills... special education training corresponded to the children's disabilities and who has demonstrated knowledge...

  16. 34 CFR 682.508 - Assignment of a loan.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Assignment of a loan. 682.508 Section 682.508 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan...

  17. 42 CFR 505.7 - Terms of the loan.

    Science.gov (United States)

    2010-10-01

    ... promissory note, loan agreement, or a form approved by CMS and accompanied by any other documents CMS may... deferred for 60 months beginning with the day of award notification from CMS. The loan repayment period is 20 years. (c) Bankruptcy protection. In the event a loan recipient files for bankruptcy protection...

  18. 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 lo

  19. 12 CFR 204.132 - Treatment of loan strip participations.

    Science.gov (United States)

    2010-01-01

    ... selling the loan or participation in effect must buy back the loan or participation at the maturity of the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Treatment of loan strip participations. 204.132... RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.132 Treatment of...

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

    Science.gov (United States)

    Austin, D. Andrew

    2010-01-01

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

  1. 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...

  2. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

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

  3. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... ID ED-2008-OPE-0009] William D. Ford Federal Direct Loan Program AGENCY: Department of Education... (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public... for Postsecondary Education. Accordingly, 34 CFR part 685 is corrected as follows: PART 685--WILLIAM...

  4. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

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

  5. 7 CFR 1421.13 - Special loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ... hay and silage derived from an eligible loan commodity as provided in § 1421.5 are eligible to request unshorn pelt, hay, and silage quantities for a loan deficiency payment under subpart C of this part. (2) Unshorn pelts, hay, and silage derived from an eligible loan commodity are not eligible to be pledged...

  6. 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 120.546 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Servicing... a defaulted 504 loan in an asset sale conducted or overseen by SBA. Homestead Protection for Farmers...

  7. 12 CFR 614.4460 - Loan approval responsibility.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loan approval responsibility. 614.4460 Section 614.4460 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... approval of such loans by the appropriate bank board, or establishment of a policy under which...

  8. 7 CFR 1900.6 - Chair, Loan Resolution Task Force.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

    Loan collaterals and collateral substitutes in rural finance: a review. ... Subscription or Fee Access ... Poor farm households and other microentrepreneurs have difficulties in obtaining loans from banks and other financial institutions because ... of non-traditional methods of loan security referred to as collateral substitutes.

  10. 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…

  11. 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

  12. Bank loan portfolios and the Canadian monetary transmission mechanism

    NARCIS (Netherlands)

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

    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 followin

  13. 31 CFR 560.317 - Credits or loans.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credits or loans. 560.317 Section 560... § 560.317 Credits or loans. The term credits or loans means any transfer or extension of funds or credit... to repay an extension of funds or credit, including but not limited to: overdrafts; currency swaps...

  14. 7 CFR 1822.276 - Subsequent RHS loans.

    Science.gov (United States)

    2010-01-01

    ... GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... 7 Agriculture 12 2010-01-01 2010-01-01 false Subsequent RHS loans. 1822.276 Section 1822.276 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL...

  15. 7 CFR 1822.273 - Actions subsequent to loan approval.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing... 1822.273 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE.... After the loan is approved, actions to be taken will be in accordance with 7 CFR part 3560, subpart B....

  16. 7 CFR 1822.279 - Loan supervision and servicing.

    Science.gov (United States)

    2010-01-01

    ... LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site....279 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL... supervision and loan servicing will be provided according to 7 CFR part 3560....

  17. 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...

  18. 49 CFR 22.63 - Loan close outs.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Loan close outs. 22.63 Section 22.63 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Loan Administration... Form. The form is available at http://www.osdbu.dot.gov/financial/docs/Loan_Close-Out_DOT_F_2304-1.pdf....

  19. 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.

  20. 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

    ... 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 and loan associations, and cooperative banks. There is deductible, under section 592, from the...

  1. 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.

  2. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

    ... justified. The local government shall also provide the latest available data on anticipated and actual tax... management system, to account for loan funds received and disbursed and to provide an audit trail. (2) FEMA... the United States or their duly authorized representatives shall, for the purpose of audits...

  3. Lender Profitability in the Student Loan Program.

    Science.gov (United States)

    Jenkins, Sarah

    This report provides results of a study that measured lender profitability in the Guaranteed Student Loan (GSL) program and compares these results with the profitability of other types of lending. Data analysis reveals credit card lending to be the highest average level of profitability over the 5-year period considered. Other lending types, in…

  4. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... entity by each member, or the percentage of interest in the entity held by each member; (ii) A current... entity itself; (iv) A copy of the entity's charter or any entity agreement, any articles of incorporation... reasonable rates and terms, including a loan guaranteed by the Agency; (7) Documentation of compliance with...

  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. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

    ... loan amounts and operations in the growing segment of family farms engaged in organic farming and... training, or farming experience; have an acceptable credit history; and have adequate collateral for the... market and yield data. Additional guidance on organic and less traditional crops is also being...

  7. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... because of a lack of expertise, an inadequate loan agreement, the condition of or lack of control over the... circumstances indicate that criminal violations may have been committed by an applicant, a borrower, or third... Public Law 103-354 office) for criminal investigation. Any questions as to whether a matter should...

  8. The Translation of Loans: Anglicisms in German.

    Science.gov (United States)

    Barbe, Katharina

    1994-01-01

    Discusses the existence of anglicisms in German as a problem for the practice and teaching of translation, in which attention must be paid to the status of loans in the German linguistic and social system. Offers an approach to the translation of transparent anglicisms and proposes a method of translation. (SR)

  9. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 3575.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... statements required by the Loan Agreement. The lender must submit the borrower's annual financial statements... 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......

  11. 7 CFR 1781.6 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... title to lands or perpetual easements, or rights-of-way for sites for works of improvement or project... perpetual and must not include clauses that terminate the easement with the dissolution or abandonment of..., managing, and accounting for activities related to loan processing and closing and development for...

  12. Library Loans to the Schools of Engineering.

    Science.gov (United States)

    Drake, Miriam A.; Kulm, Joan

    To examine library usage by faculty and students in the Schools of Engineering at Purdue University, data was analyzed from a sample of 12,000 loans during a three month period. User level (graduate student, undergraduate, faculty, or staff) and subject of borrowed material as indicated by Dewey Decimal Classification were examined for each major…

  13. 44 CFR 206.377 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... Assistant Administrator for the Disaster Assistance Directorate. Interest will accrue on outstanding cash..., where I = the amount of simple interest, P = the principal amount disbursed; R = the interest rate of... rate as the loan, and be immediately due without demand. (6) In the event of default on this note...

  14. 7 CFR 4274.314 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... existing businesses, creation of employment opportunities, or saving existing jobs. Such loans may include... from closing, prevent the loss of employment opportunities, or provide expanded job opportunities. (2... intermediary that the project is viable and refinancing is necessary to create new or save existing jobs...

  15. First report of Cheiloneurus exitiosus (Perkins, 1906) and Helegonatopus dimorphus (Hoffer, 1954) (Hymenoptera: Encyrtidae) from Japan, with remarks on their abundance in rice paddies

    Science.gov (United States)

    Handa, Hironobu; Higashiura, Yoshimitsu; Japoshvili, George

    2016-01-01

    Abstract Background Encyrtid secondary parasitoids of Delphacidae have not been recorded in Japan. However, they may play an important role in the rice ecosystem because they can reduce the number of Dryinidae, the natural enemies of rice planthoppers. New information We found two encyrtid species, Cheiloneurus exitiosus (Perkins, 1906) and Helegonatopus dimorphus (Hoffer, 1954), from rice paddies and the surrounding environment. Haplogonatopus oratorius (Westwood, 1833) and Anteon sp. were newly recognized as hosts of He. dimorphus. Parasitism of C. exitiosus was rare, but He. dimorphus was common in Kumamoto Prefecture. The sex ratio (male proportion) and clutch size of He. dimorphus was estimated as 0.19 and 4.95, respectively. PMID:27660532

  16. 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.

  17. The Moderating Role of Loan Monitoring on the Relationship between Macroeconomic Variables and Non-performing Loans in Association of Southeast Asian Nations Countries

    National Research Council Canada - National Science Library

    Ismail Tijjani Idris; Sabri Nayan

    2016-01-01

    The lending banks’ function of loan monitoring plays an important role in sustaining quality loan portfolios and protects risk assets against deterioration thereby keeping Non-Performing Loans (NPLs...

  18. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

    We estimate a model of house prices, combined loan-to-value ratios (CLTVs) and trade and foreclosure behavior. House prices are only observed for traded properties and trades are endogenous, creating sample-selection problems for existing approaches to estimating CLTVs. We use a Bayesian filterin...... by existing approaches. Our results reduce the index revision problem and have applications for pricing mortgage-backed securities....

  19. Deposits, Loans and Banking: Clarifying the Debate

    OpenAIRE

    Bagus, Philipp; Howden, David; Block, Walter

    2013-01-01

    The relationship between banking deposits and loans remains a contentious topic. While the defense of a 100 percent reserve clause to eliminate fractional reserves has commonly been asserted on economic and ethical grounds, new legal arguments found in Jesús Huerta de Soto (2006) remain largely ignored. We address Michael S. Rozeff’s (2010) recent article as a case in point of this ignorance. Contrary to supporters of fractional reserve demand deposits, we show that such a contract – one trea...

  20. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... Bank Valrico Florida Grand Bank & Trust of Florida West Palm Beach Florida The Perkins State Bank... Rockland Massachusetts South Coastal Bank Rockland Massachusetts The Cooperative Bank Roslindale... Delmarva Seaford Delaware First Southern Bank Boca Raton Florida Platinum Bank Brandon Florida...

  1. 13 CFR 123.100 - Am I eligible to apply for a home disaster loan?

    Science.gov (United States)

    2010-01-01

    ... disaster loan? 123.100 Section 123.100 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.100 Am I eligible to apply for a home disaster loan? (a) You are eligible to apply for a home disaster loan if you: (1) Own and occupy your primary...

  2. 13 CFR 123.303 - How can my business spend my economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

    ... economic injury disaster loan? 123.303 Section 123.303 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.303 How can my business spend my economic injury disaster loan? (a) You can only use the loan proceeds for working capital necessary...

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

    NARCIS (Netherlands)

    J. Bouwens; P. Kroos

    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 hierar

  4. 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 fund advances made on or after December 22, 1987 under Bank loans approved on or after October 1,...

  5. 13 CFR 120.1712 - Seller responsibilities with respect to Seller's Pool Loan.

    Science.gov (United States)

    2010-01-01

    ... respect to Seller's Pool Loan. 120.1712 Section 120.1712 Business Credit and Assistance SMALL BUSINESS... Loan Pools § 120.1712 Seller responsibilities with respect to Seller's Pool Loan. Seller shall remain obligated for servicing and liquidating Seller's Pool Loan until the Pool Loan is repaid in full unless...

  6. 7 CFR 1781.20 - Disbursement of WS and RCD loan funds and WS advance funds.

    Science.gov (United States)

    2010-01-01

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

  7. 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...

  8. 13 CFR 120.1880 - How will the loan be repaid?

    Science.gov (United States)

    2010-01-01

    ... will reduce the SISMBD Loan balance. (d) If the SISMBD Loan has a balance when a payment is required or... Loan Program) § 120.1880 How will the loan be repaid? (a)The monthly payments of principal and interest... forward such payments to SBA or its loan servicing agent as directed by SBA. The payments will be used to...

  9. 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.

  10. Centralized Debtor Database for Instant Loan Creditors - New Service Concept

    OpenAIRE

    Porko, Pia

    2009-01-01

    This thesis was conducted to evaluate and clarify a service idea regarding a centralized data-base collecting credit information about instant loan applicants to be shared with instant loan creditors as a means to decrease credit losses. The initial idea was formulated by Tentacle Networks Oy and generated into a ready-to-launch service concept along the process of this thesis. The number of instant loans granted yearly has only accelerated since 2005 when the first service provider pene...

  11. Competition or collaboration? The reciprocity effect in loan syndication

    OpenAIRE

    Jian Cai

    2009-01-01

    It is well recognized that loan syndication generates a moral hazard problem by diluting the lead arranger's incentive to monitor the borrower. This paper proposes and tests a novel view that reciprocal arrangements among lead arrangers serve as an effective mechanism to mitigate this agency problem. Lender arrangements in about seven out of ten syndicated loans are reciprocal in the sense that lead arrangers also participate in loans that are led by their participant lenders. I develop a mod...

  12. 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.

  13. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

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

  14. 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).

  15. Tying loan interest rates to borrowers' CDS spreads

    OpenAIRE

    Ivanov, Ivan T.; Santos, Joao A. C.; Vo, Thu

    2014-01-01

    We investigate how the introduction of market-based pricing, the practice of tying loan interest rates to credit default swaps, has affected borrowing costs. We find that CDS-based loans are associated with lower interest rates, both at origination and during the life of the loan. Our results also indicate that banks simplify the covenant structure of market-based pricing loans, suggesting that the decline in the cost of bank debt is explained, at least in part, by a reduction in monitoring c...

  16. 12 CFR Appendix A to Subpart A of... - Federal Home Loan Banks

    Science.gov (United States)

    2010-01-01

    ... Board Pt. 905, Subpt. A, App. A Appendix A to Subpart A of Part 905—Federal Home Loan Banks Federal Home... Federal Home Loan Bank District 9 (Arkansas, Louisiana, Mississippi, New Mexico, Texas) Federal Home Loan...

  17. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

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

  18. Time and Gender in Charlotte Perkins Gilman’s “The Yellow Wall-Paper” and Kate Chopin’s “The Story of an Hour”

    Directory of Open Access Journals (Sweden)

    FAHIMEH Q BERENJI

    2013-06-01

    Full Text Available The aim of this presentation is to show how Charlotte Perkins Gilman and Kate Chopin manipulate temporality to foreground their themes in “The Yellow Wall-Paper” and “The Story of an Hour” in the light of Gérard Genette’s theory of time. Both stories present female characters oppressed by the patriarchal authority in the marriage and their attempts to liberate themselves from this oppression. The aim is to find out how the gender of the author or protagonist in the narration can affect the time of narration. Gérard Genette’s theory of time (order is applied to these short stories in order to confirm that the theme of the story affects the time of narration regarding women’s status in the narration. The results are in agreement with feminist narratologists who believe that the female authors use techniques of time in the narration purposefully to resist or negotiate with patriarchy in the process of women’s liberation.

  19. Time and Gender in Charlotte Perkins Gilman’s “The Yellow Wall-Paper” and Kate Chopin’s “The Story of an Hour”

    Directory of Open Access Journals (Sweden)

    FAHIMEH Q BERENJI

    2013-07-01

    Full Text Available The aim of this presentation is to show how Charlotte Perkins Gilman and Kate Chopin manipulate temporality to foreground their themes in “The Yellow Wall-Paper” and “The Story of an Hour” in the light of Gérard Genette’s theory of time. Both stories present female characters oppressed by the patriarchal authority in the marriage and their attempts to liberate themselves from this oppression. The aim is to find out how the gender of the author or protagonist in the narration can affect the time of narration. Gérard Genette’s theory of time (order is applied to these short stories in order to confirm that the theme of the story affects the time of narration regarding women’s status in the narration. The results are in agreement with feminist narratologists who believe that the female authors use techniques of time in the narration purposefully to resist or negotiate with patriarchy in the process of women’s liberation.

  20. 38 CFR 11.83 - Additional loans by reason of 50 percent loan value.

    Science.gov (United States)

    2010-07-01

    ... World War Adjusted Compensation Act, as amended, up to the date of the check issued to the bank. If the... the veteran, interest will be payable up to the date the check is issued to the bank, or, if demanded by the bank, up to the maturity date of the loan. (b) If, however, an application for...

  1. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

    ... Masters level. (f) Dentistry: DDS and DMD. (g) Dental Hygiene. (h) Pharmacy: B.S., Pharm.D. (i) Optometry... HUMAN SERVICES Indian Health Service Loan Repayment Program for Repayment of Health Professions... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  2. 78 FR 7787 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2013-02-04

    ...: DDS and DMD. (i) Dental Hygiene. (j) Dental Assistant: Certified. (k) Pharmacy: B.S., Pharm.D. (l... HUMAN SERVICES Indian Health Service Loan Repayment Program for Repayment of Health Professions... program in a health profession; or (B) Have a degree in a health profession and a license to practice in...

  3. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

    ....203; or (ii) Exceeds the student's estimated cost of attendance less— (A) The student's estimated... October 1, 2011, the school in which the student is enrolled has a cohort default rate, calculated under... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate...

  4. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... require federally insured credit unions (FICUs) to maintain written policies that address the management... guidance entitled ``Uniform Retail Credit Classification and Account Management Policy.'' 65 FR 36903 (June... compliance. The Board seeks to ensure loan workout management is subject to written credit union policies...

  5. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... population density, calculated as the total number of persons in the service area divided by the square miles of the service area. The maximum population density requirement will be published by RUS in the... be, will neither be paid first nor given any preference or priority over the Guaranteed Loan Amount...

  6. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... entitled to patronage, voting, or other shareholder rights under the FCA regulations or institution bylaws... entitled to certain ``borrower rights.'' \\6\\ Failed bank borrowers with agricultural or cooperative loans... lending authority would be subject to borrower rights and would be restructured or foreclosed,...

  7. Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange

    OpenAIRE

    Sitorus, Vera Yohana

    2015-01-01

    This research entitled “Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange”. This research aims to respond any questions about factors influence the Non Performing Loan at the go public bank at Indonesia Stock Exchange. The bad loan is always found in banking loan activity. Therefore the bank always minimizes the bad loan to fulfill the requirement of Central Bank as the bank supervisors. The bad loan is total debt loan plus the doubt loan an...

  8. 34 CFR 685.217 - Teacher loan forgiveness program.

    Science.gov (United States)

    2010-07-01

    ... Consolidation Loans or Direct Consolidation Loans. The forgiveness program is only available to a borrower who... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...'s disabilities and who has demonstrated knowledge and teaching skills in the content areas of the...

  9. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

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

  10. 34 CFR 682.204 - Maximum loan amounts.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Maximum loan amounts. 682.204 Section 682.204 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.204...

  11. Default Rate on Student Loans Falls for 2005 Fiscal Year

    Science.gov (United States)

    Basken, Paul

    2007-01-01

    The rate at which borrowers default on their federally guaranteed student loans has declined to 4.6 percent, in part because of a record number of consolidations, the Education Department announced last week. "Borrowers took advantage of the opportunity to lock in record-low interest rates by consolidating their federal student loans," the…

  12. 7 CFR 1427.19 - Repayment of loans.

    Science.gov (United States)

    2010-01-01

    ... determined by CCC under § 1427.25, in effect on the day the repayment is received by the county office, loan... event that Thursday is a non-workday, such loan repayments will not be accepted beginning at 7 a.m...: (i) The tariff storage rate for the warehouse for the 2005 crop or, for any warehouse not...

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  14. 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

  15. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

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

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

    Science.gov (United States)

    2012-07-24

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

  17. Feasibility of Analyzing Interlibrary Loan Requests to Determine Instruction Needs

    Science.gov (United States)

    Murphey, Rebecca M.; Greenwood, Judy T.

    2009-01-01

    The Interlibrary Loan department at the University of Mississippi wished to examine interlibrary loan borrowing data dating back to the implementation of the ILLiad system in August 2001 in order to determine why the number of cancellations due to local availability continues to increase. The patron information was extracted in an attempt to…

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

    Science.gov (United States)

    Hsu, Chungwen; Fisher, Patti J.

    2016-01-01

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

  19. 34 CFR 685.303 - Processing loan proceeds.

    Science.gov (United States)

    2010-07-01

    ... establishes rules governing a school's processing of a borrower's Direct Subsidized, Direct Unsubsidized, or Direct PLUS Loan proceeds. The school shall also comply with any rules for processing loan proceeds...-Study Program funds up to $300), the school shall reduce or eliminate the overaward by either— (1)...

  20. 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. Contrasti

  1. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... from the consumer, indicating that the student's cost of attendance has decreased or the consumer's... changes permitted under paragraphs (c)(3) and (c)(4), the rate and terms of the private education loan...) Changing the interest rate based on adjustments to the index used for a loan; (C) Changing the interest...

  2. 13 CFR 307.10 - Pre-loan requirements.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Pre-loan requirements. 307.10 Section 307.10 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE... prospective loan proposals on the physical environment. The Plan must provide for compliance with applicable...

  3. 34 CFR 682.209 - Repayment of a loan.

    Science.gov (United States)

    2010-07-01

    .... (3) The lender may not charge an additional insurance premium or Federal default fee on the loan, but... refinancing lender may charge the borrower an insurance premium on a loan made under paragraph (f)(1) of this... certify to the matters described in that paragraph, provide the requesting lender and the guarantor on...

  4. Repayment Book. William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    Department of Education, Washington, DC.

    This booklet is intended to help individuals who received William D. Ford Federal Direct Loans as students manage the repayment process. Following an introduction, explanations are offered for how the principal balance of the loan is determined and how interest rates are applied. The following sections explain the four different repayment plans,…

  5. 77 FR 22443 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2012-04-13

    ... those on real estate appraisals, lease, subordination and disposition of security, and Conservation... give the borrower greater flexibility while protecting the financial interests of the Government. DATES... loans and loan guarantees are a means of providing credit to farmers whose financial risk exceeds...

  6. 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…

  7. 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... necessary for the successful operation of the Secondary Market program. (b) The loans that back a Pool...

  8. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

    ... savings and loan association (the core business of which is mortgage lending) are apt to be significantly... loans and mortgage related securities may constitute the core business of certain types of eligible... package should be logged at the Guard Desk, First Floor, on business days between 9 a.m. and 5 p.m. FOR...

  9. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1737.90 - Loan approval requirements.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final... Disaster Protection Act of 1973, as amended (the “Flood Insurance Act”), RUS shall not approve financial... which has been identified by the Director of the Federal Emergency Management Agency (the “Director of...

  11. 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...

  12. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... companies that do not usually invest in commercial loans; (3) Air Carrier company suppliers or customers... BUDGET AVIATION DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application... law is not adversely affected. (b) The following categories of entities may purchase participations in...

  13. 7 CFR 1737.51 - Approval of loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Approval of loan design. 1737.51 Section 1737.51... of Application Procedures § 1737.51 Approval of loan design. RUS shall notify the borrower when the preloan data concerning the system design and costs and subscriber projections have been approved. If...

  14. Scoring bank loans that may go wrong: a case study

    NARCIS (Netherlands)

    J.S. Cramer

    2004-01-01

    A bank employs logistic regression with state-dependent sample selection to identify loans that may go wrong. The data consist of some 20 000 loans for which a number of conventional accounting ratios of the debtor firm are known; after two years just over 600 have gone wrong. Inspection shows that

  15. 24 CFR 1005.105 - What are eligible loans?

    Science.gov (United States)

    2010-04-01

    ... responsibility. (2) Before HUD issues a commitment to guarantee any loan, or before HUD guarantees a loan if there is no commitment, HUD must: (i) Comply with environmental review procedures to the extent... § 203.12(b)(2) of this title for FHA mortgage insurance. (f) Lack of access to private financial...

  16. 34 CFR 668.212 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

    ... EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.212 Loan... Program lender or the Direct Loan Servicer, as defined in 34 CFR 685.102, failed to perform one or more of... identifies a sample that is large enough to derive an estimate, acceptable at a 95 percent confidence...

  17. 7 CFR 1940.585 - Community Facility loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Community Facility loans. 1940.585 Section 1940.585 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS...) PROGRAM REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program...

  18. 49 CFR 260.55 - Lender's loan servicing.

    Science.gov (United States)

    2010-10-01

    ... annual financial statements within 120 days after the end of the Borrower's fiscal year and the due date of other reports as required by the loan documents. The Lender must analyze the financial statements... 49 Transportation 4 2010-10-01 2010-10-01 false Lender's loan servicing. 260.55 Section...

  19. Approximate Maximum Likelihood Commercial Bank Loan Management Model

    Directory of Open Access Journals (Sweden)

    Godwin N.O.   Asemota

    2009-01-01

    Full Text Available Problem statement: Loan management is a very complex and yet, a vitally important aspect of any commercial bank operations. The balance sheet position shows the main sources of funds as deposits and shareholders contributions. Approach: In order to operate profitably, remain solvent and consequently grow, a commercial bank needs to properly manage its excess cash to yield returns in the form of loans. Results: The above are achieved if the bank can honor depositors withdrawals at all times and also grant loans to credible borrowers. This is so because loans are the main portfolios of a commercial bank that yield the highest rate of returns. Commercial banks and the environment in which they operate are dynamic. So, any attempt to model their behavior without including some elements of uncertainty would be less than desirable. The inclusion of uncertainty factor is now possible with the advent of stochastic optimal control theories. Thus, approximate maximum likelihood algorithm with variable forgetting factor was used to model the loan management behavior of a commercial bank in this study. Conclusion: The results showed that uncertainty factor employed in the stochastic modeling, enable us to adaptively control loan demand as well as fluctuating cash balances in the bank. However, this loan model can also visually aid commercial bank managers planning decisions by allowing them to competently determine excess cash and invest this excess cash as loans to earn more assets without jeopardizing public confidence.

  20. 76 FR 37893 - Loans in Areas Having Special Flood Hazards

    Science.gov (United States)

    2011-06-28

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Office of Thrift Supervision Loans in Areas Having Special Flood Hazards AGENCY: Office of Thrift... collection. Title of Proposal: Loans in Areas Having Special Flood Hazards. OMB Number: 1550-0088....

  1. 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.

  2. 7 CFR 1737.32 - Loan Design (LD).

    Science.gov (United States)

    2010-01-01

    ... special note shall be submitted. Usually a separate short-term note is prepared for loans to finance... first financed by RUS. The population determination is based on the corporate limits or boundaries of... on RUS Form 495 must be provided. (xi) Future plans. Where the loan application is to finance part of...

  3. 75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

    Science.gov (United States)

    2010-04-19

    ... Research, Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary... Food and Agriculture 7 CFR Part 3431 RIN 0524-AA43 Veterinary Medicine Loan Repayment Program (VMLRP... Veterinary Medicine Loan Repayment Program (VMLRP) authorized by the National Veterinary Medical Service Act...

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

    Science.gov (United States)

    2010-04-01

    ... general principles of Federal tax law, the taxation of the entire premium payment is governed by § 1.61-22... payment is a loan under general principles of Federal tax law or, if it is not a loan under general principles of Federal tax law (for example, because of the nonrecourse nature of the obligation or otherwise...

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

    Science.gov (United States)

    2010-04-01

    ... account. (b) Measurement of test. In determining whether the private loan financing test is met, the amount actually loaned to a nongovernmental person is not discounted to reflect the present value of the... cost of an improvement). Taxes and assessments do not include fees for services. The tax or...

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  7. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    ... measured in terms of Agency staff time, equipment and associated costs. Workload efficiency is also... and/or personal property associated with the assistance. Rural Development will guarantee loans for.... The term ``FHLB'' was added as the acronym for the Federal Home Loan Bank. The term ``Freddie Mac...

  8. Neuro-Based Artificial Intelligence Model for Loan Decisions

    Directory of Open Access Journals (Sweden)

    Shorouq F. Eletter

    2010-01-01

    Full Text Available 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 backpropagation learning algorithm was used to build up the proposed model. Results: Different representative cases of loan applications were considered based on the guidelines of different banks in Jordan, to validate the neural network model. Conclusion: The results indicated that artificial neural networks are a successful technology that can be used in loan application evaluation in the Jordanian commercial banks.

  9. 75 FR 29524 - Student Assistance General Provisions, Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-05-26

    ..., Federal Pell Grant, Leveraging Educational Assistance Partnership, William D. Ford Federal Direct Loan..., Federal Perkins Loan, Federal Pell Grant, Leveraging Educational Assistance Partnership, William D....

  10. 7 CFR 1822.278 - Special requirements for RHS section 523 loans (loans to organizations providing sites for self...

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies... to organizations providing sites for self-help housing). 1822.278 Section 1822.278 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL...

  11. 34 CFR 668.42 - Financial assistance information.

    Science.gov (United States)

    2010-07-01

    ... Loan Program, the William D. Ford Federal Direct Student Loan Program, and the Federal Perkins Loan... Program, by 34 CFR 685.304 for borrowers under the William D. Ford Federal Direct Student Loan...

  12. 13 CFR 123.11 - Does SBA require collateral for any of its disaster loans?

    Science.gov (United States)

    2010-01-01

    ... any of its disaster loans? 123.11 Section 123.11 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.11 Does SBA require collateral for any of its disaster loans? Generally, SBA will not require that you pledge collateral to secure a disaster home loan or a...

  13. 13 CFR 123.8 - Does SBA charge any fees for obtaining a disaster loan?

    Science.gov (United States)

    2010-01-01

    ... obtaining a disaster loan? 123.8 Section 123.8 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.8 Does SBA charge any fees for obtaining a disaster loan? SBA does not charge points, closing, or servicing fees on any disaster loan. You will be responsible for payment...

  14. 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,...

  15. 7 CFR 505.2 - Fees for loans of materials in library collections.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Fees for loans of materials in library collections... RESEARCH SERVICE, DEPARTMENT OF AGRICULTURE NATIONAL AGRICULTURAL LIBRARY FEES FOR LOANS AND COPYING § 505.2 Fees for loans of materials in library collections. (a) NAL will make loans of original...

  16. 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...

  17. 42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing...

  18. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Science.gov (United States)

    2010-10-01

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

  19. 78 FR 8444 - Energy Efficiency and Conservation Loan Program Programmatic Environmental Assessment

    Science.gov (United States)

    2013-02-06

    ... Rural Utilities Service 7 CFR Part 1710 Energy Efficiency and Conservation Loan Program Programmatic... entitled ``Energy Efficiency and Conservation Loan Program,'' which expands upon policies and procedures specific to loans for a new Energy Efficiency and Conservation Loan program. The program would...

  20. Straight Talk on Student Loans. Research & Occasional Paper Series: CSHE.10.04

    Science.gov (United States)

    Shireman, Robert

    2004-01-01

    The federal government provides student loans for college and graduate school in two ways: by guaranteeing bank loans, and by lending directly to students. In the guaranteed loan program, banks lend students money and profit from the interest payments while the government guarantees the loans against default and makes subsidy payments to the…

  1. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... advance the borrower's knowledge of and strengthen his or her skills in the provision of nursing services... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each...

  2. 77 FR 55271 - Truth in Lending Act (Regulation Z); Loan Originator Compensation

    Science.gov (United States)

    2012-09-07

    ... other terms of the loan. But costs that are paid to the creditor, broker, or affiliates of either... additional money from additional loans. Thus, although some banks and credit unions hold some loans in... unfairness associated with loan originator compensation practices. Id. at 44565. The Board in 2009 proposed...

  3. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Science.gov (United States)

    2010-01-01

    ... loans shall bear interest at a rate (the “Cost of Money Interest Rate”) equal to the current cost of... 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,...

  4. 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

  5. 75 FR 52429 - Guaranteed Single Family Housing Loans

    Science.gov (United States)

    2010-08-26

    ... 24th, 2010. FOR FURTHER INFORMATION CONTACT: Stuart Walden, Senior Loan Specialist, Section 502....walden@wdc.usda.gov . SUPPLEMENTARY INFORMATION: Classification This final rule has been determined to...

  6. 42 CFR 60.33 - Making a HEAL loan.

    Science.gov (United States)

    2010-10-01

    ... make a HEAL loan in an amount that exceeds the permissible annual and aggregate maximums described in... evidenced by a promissory note containing any deviation from the provisions of the form most...

  7. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

    ... by RUS. (5) Certain costs incurred in demand side management, energy conservation programs and on and... of the consumer, except qualifying items included in a loan for demand side management or...

  8. 7 CFR 1980.490 - Business and industry buydown loans.

    Science.gov (United States)

    2010-01-01

    ... reforestation. (iii) The growing of mushrooms or hydroponics. (4) Recreation and tourism. Loans may be guaranteed for tourist or recreation facilities except for hotels, motels, bed and breakfasts, race...

  9. 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...

  10. effects of the subsidized students' loan on university enrolment in ...

    African Journals Online (AJOL)

    User

    2School of Economics, Universiti Kebangsaan Malaysia, Malaysia ... for example additional policies aimed at improving the students' loan scheme will have positive impact on both accessibility ... versity graduate was estimated at 2,900 New.

  11. 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.

  12. 'Language Development' or 'Language Corruption': A Case of Loan ...

    African Journals Online (AJOL)

    Riette Ruthven

    second section analyses the justification by the editors of ISN for lemmatising ..... seem to accept loan-words much more easily than the older generation'. .... One enduring value of such a computer-generated file for lexicography is, theo-.

  13. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

    .... Loan funds may not be used to finance: (a) Facilities which are not modest in size, design, and cost... project costs normally provided by a business or industrial user, such as wastewater pretreatment; (f...

  14. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... financial statements; notice of defaults; notice of litigation; notice of orders or other directives... concurrently by RUS and another secured lender; (e) The method for making scheduled payments on the loan;...

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

    African Journals Online (AJOL)

    Bank lending in Nigeria was dominated by the presence of asymmetric information, a wedge to financial intermediation. ... probability by borrowers and the extent to which borrowers were fully informed about the cost implications of their loans ...

  16. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

    ... conditions and which are consistent with the lender's customary business practice; (2) Accounts or... business, to an insured, under a loan right contained in a life insurance policy and in which the cash...

  17. Setting up Individual Loan Facilities for University Students

    Institute of Scientific and Technical Information of China (English)

    XueYong; ZhaoBaohua; DavidKelly

    2004-01-01

    The Chinese state must slash its direct financial allocations to universities and the latter must perform their operations using the annual revenue of tuition fees collected directly from enrolled students. In the same time, state allocations originally earmarked for the campus might be employed to set up a complete loan system to serve students so that each of all qualified enrollees can enjoy an interest-free loan. Students are to be al-

  18. LOAN TRANSLATION AS MEANS OF EXPRESSING E-COMMERCE TERMINOLOGY

    OpenAIRE

    Mariana Coancă

    2011-01-01

    In this paper we present an analysis of the Romanian e-commerce terminology, taking into consideration that the English language has had a major role in the linguistic globalization of the specialized languages. Therefore, e-commerce does not make an exception because its terminology is used worldwide and, concerning the Romanian e-commerce terms, we distinguished both the use of partial loan translations and full loan translations which make up fixed collocations, as special means of express...

  19. 12 CFR 225.44 - Reporting of stock loans.

    Science.gov (United States)

    2010-01-01

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

  20. An analysis of loan default determinants: the Spanish case

    OpenAIRE

    Climent Serrano, Salvador; Pavía Miralles, José Manuel

    2014-01-01

    The Spanish financial system is experiencing a very turbulent economic period in which loan defaults has lived an unprecedented increasing period, going from being less than 1% in 2004 to levels of above 13% in 2013. The impact of this, along with other circumstances, has led to the greatest financial restructuring ever made to date in Spain, with important macroeconomic and microeconomic consequences. This paper studies the determinants of delinquency (loan default) in Spanish credit institu...

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

    OpenAIRE

    Carey, Mark S.; 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...

  2. 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.

  3. Perkins+Will,美国

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ Design Concept The concept has been designed to embrace the heritage and culture of Recife,Pernambuco, Brazil, by drawing on the design of the local and traditional "palafita" houses. The design will capture breezes for natural ventilation by using operable windows with shutters and interior louvres. The apartments are raised above the flood plain on a steel frame, leaving the ground level for pedestrian paths, parking, capturing stormwater and for improved security.

  4. 25 CFR 103.27 - Can the borrower get help preparing its loan application or putting its loan funds to use?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Can the borrower get help preparing its loan application or putting its loan funds to use? 103.27 Section 103.27 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT... Relating to Borrowers § 103.27 Can the borrower get help preparing its loan application or putting its...

  5. Service-linked scholarships, loans, and loan repayment programs for nurses in the southeast.

    Science.gov (United States)

    Thaker, Samir I; Pathman, Donald E; Mark, Barbara A; Ricketts, Thomas C

    2008-01-01

    A variety of public and private programs provide financial support for the costs of nurses' training in exchange for service commitments to work in rural, underserved, and other needy areas. Little is known about the number, size, and operations of these support-for-service programs for nurses. We identified and in this article describe such programs in eight southeastern states. Eligible programs were those that in 2004 paid for all or a portion of nurses' education costs in exchange for a period of clinical nursing service within one or more of the eight targeted states. Programs obligating nurses to a specific hospital, practice, or community or to teaching roles were excluded. Programs were identified through available compendia, online searches, and telephone contacts with program directors, nursing school administrators, and state officials. Additional data on eligible programs were gathered through telephone interviews and questionnaires mailed to program staff and from publicly available documents. Data were double coded, and qualitative and quantitative analyses were conducted. Twenty-four nursing support-for-service programs met our eligibility criteria in the eight-state region: nine scholarship programs; six loan repayment programs; five service-cancelable loan programs; two loan interest rate reduction programs; and two direct incentive programs. These programs had fiscal year 2004 budgets totaling approximately $28.8-31.8 million; collectively, they received approximately 11,700 applications from nurses, signed approximately 8,300 contracts, and had a combined field strength of approximately 4,900 nurses working to fulfill their program obligations. Individual states offered between zero and five eligible programs each. Support-for-service programs are a substantial component of federal and state nursing workforce distribution efforts in the Southeast. Future research should identify and describe these programs for other regions, measure outcomes, and

  6. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-08-29

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan... June 30, 2014, for certain loans made under the Federal Family Education Loan (FFEL) ] Program prior to... Family Education Loan (FFEL) Program, including Federal Subsidized and Unsubsidized Stafford...

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

    Science.gov (United States)

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

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

  8. Performance Analysis of Foreign Loans in Directorate General of Highways Ministry of Public Works

    Directory of Open Access Journals (Sweden)

    Yunik Eva Sarlina

    2016-05-01

    Full Text Available Provision of road infrastructure does, efficiently and effectively, have an effect on economy increase in a region. The limited ability of the government in the provision of funding for the road infrastructure requires the handling on the organizers of the roads, it also needs efforts to look for funding resources outside the APBN as a resource of funds for foreign loans. This study aims to know the process of foreign loans, the characteristics of each foreign loan, and the loan implementation performance in Directorate General of Highways, Ministry of Public Works. The research was using the qualitative descriptive methods focusing on thorough depiction of form, function, and meaning of prohibition; data collection was done by collecting the entire loan process from the preparation phase to the implementation phase through interviewing and documentation literature. The document consists of the loan agreement document, documents monthly reports and annual reports, lender regulations, legal regulations of the Republic of Indonesia, photo documentation and archives. The result showed that the scoring of performance, multilateral loan is better than bilateral loan. This is evidenced by higher score for multilateral loan than bilateral loan. Particularly in terms of regulations, the multilateral loan having score 15, it was because the lender adjusts by existing regulations in Indonesia, while bilateral loan having score 13. Furthermore, from the aspect of financial benefits, bilateral loan have score of 41 and is more advantageous than the multilateral loan which score is 29.

  9. 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.

  10. 13 CFR 123.507 - Under what circumstances will SBA consider waiving the $2 million loan limit?

    Science.gov (United States)

    2010-01-01

    ... BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Military Reservist Economic Injury Disaster Loans § 123.507... military conflict, and a loan in excess of $2 million is necessary to reopen or keep open the...

  11. An Analysis of Credit Scoring for Agricultural Loans in Thailand

    Directory of Open Access Journals (Sweden)

    Visit Limsombunchai

    2005-01-01

    Full Text Available Loan contract performance determines the profitability and stability of the financial institutions and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of the borrowers should be completed as part of the screening process. A good credit risk assessment assists financial institutions on loan pricing, determining amount of credit, credit risk management, reduction of default risk and increase in debt repayment. The purpose of this study is to estimate a credit scoring model for the agricultural loans in Thailand. The logistic regression and Artificial Neural Networks (ANN are used to construct the credit scoring models and to predict the borrower’s creditworthiness and default risk. The results of the logistic regression confirm the importance of total asset value, capital turnover ratio (efficiency and the duration of a bank - borrower relationship as important factors in determining the creditworthiness of the borrowers. The results also show that a higher value of assets implies a higher credit worthiness and a higher probability of a good loan. However, the negative signs found on both capital turnover ratio and the duration of bank-borrower relationship, which contradict with the hypothesized signs, suggest that the borrower who has a long relationship with the bank and who has a higher gross income to total assets has a higher probability to default on debt repayment.

  12. Analisis Faktor-faktor yang Mempengaruhi Terjadinya Non Performing Loan (NPL) pada Perbankan yang Go Public di Bursa Efek Indonesia

    OpenAIRE

    Sitorus, Vera Yohana

    2013-01-01

    This research entitled “Analysis of Factors influence Non Performing Loan (NPL) at Go Public Bank at Indonesia Stock Exchange”. This research aims to respond any questions about factors influence the Non Performing Loan at the go public bank at Indonesia Stock Exchange. The bad loan is always found in banking loan activity. Therefore the bank always minimizes the bad loan to fulfill the requirement of Central Bank as the bank supervisors. The bad loan is total debt loan plus the doubt loan an...

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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.

  18. 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.

  19. 7 CFR 1717.659 - Effect of this subpart on RUS loan contract and mortgage.

    Science.gov (United States)

    2010-01-01

    ... RUS regulations. (c) RUS reserves the right to change the provisions of the RUS mortgage and loan... provision, covenant, or requirement in the RUS mortgage, RUS loan contract, or any other agreement between a...

  20. 76 FR 71058 - Notice of Submission of Proposed Information Collection to OMB Loan Guarantee Recovery Fund...

    Science.gov (United States)

    2011-11-16

    ... URBAN DEVELOPMENT Notice of Submission of Proposed Information Collection to OMB Loan Guarantee Recovery... responses. This Notice Also Lists the Following Information Title of Proposal: Loan Guarantee Recovery Fund... Information Officer, HUD. ACTION: Notice. SUMMARY: The proposed information collection requirement...

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

    Science.gov (United States)

    2010-01-01

    ... for the purpose of making member business loans and can provide documentary evidence (such evidence... field of membership, board minutes and loan portfolio); (c) Credit unions that have a history...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2010-05-01

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

  3. External support and bank behaviour in the international syndicated loan market

    OpenAIRE

    Tsatsaronis, Kostas; Gadanecz, Blaise; Altunbas, Yener

    2015-01-01

    Banks that enjoyed generous external financial support tended to under-price risk in the international syndicated loan market and did not show signs of innovation in their loan participations. Loans arranged by such banks had on average lower spreads (controlling for risk and other characteristics) and these banks retained loans that were on average priced below market. When supported banks' investment strategy differed materially from that of the average bank it was in holding less specialis...

  4. 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.

  5. 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.

  6. Provision of banks loans to enterprises in Russia

    OpenAIRE

    Andreeva, Olga

    2002-01-01

    Extension of loans is being considered as one of the most important and useful functions of the universal commercial banks in the economy. Russian banking has been gradually restoring after the financial crises, when the default on the government debt has showed that only those banks that are more concerned with the non-financial sector can survive external shocks. However, the fact that banks become more and more willing to extend loans to the corporate sector, due to the absence of other pr...

  7. 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.

  8. 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.

  9. 13 CFR 123.2 - What are disaster loans and disaster declarations?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are disaster loans and disaster declarations? 123.2 Section 123.2 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.2 What are disaster loans and disaster declarations? SBA offers...

  10. 45 CFR 1336.70 - Technical assistance: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Technical assistance: Responsibilities of the Loan... Demonstration Project § 1336.70 Technical assistance: Responsibilities of the Loan Administrator. The Loan Administrator will assure that competent management and technical assistance is available to the borrower...

  11. Developing an Interlibrary Loan Borrowing Policy for Evergreen Valley College Library Patrons. Governance and Management.

    Science.gov (United States)

    Poehlmann, Ruth I.

    The increased use of interlibrary loan (ILL) services at the Evergreen Valley College (EVC) library which resulted from joining OCLC automated Interlibrary Loan subsystem in 1979 led to the development of an Interlibrary Loan Borrowing Policy by the EVC library staff. The policy is designed to explain to library patrons the limitations on…

  12. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Science.gov (United States)

    2010-07-01

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

  13. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums...

  14. 34 CFR 682.302 - Payment of special allowance on FFEL loans.

    Science.gov (United States)

    2010-07-01

    ... paragraphs (b)(2), (b)(3), or (e)(1) of this section, FFEL loans that otherwise meet program requirements are... Reserve in Publication H-15 (or its successor) for such 3-month period for a loan for which the first... by or on behalf of an Authority only if the loan meets the requirements of § 682.800. (ii) The...

  15. An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.

    Science.gov (United States)

    Bayus, Barry; Kendis, Kurt

    1982-01-01

    In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)

  16. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

    ... loan size, complexity and risk exposure (b) The procedures to be followed in credit analysis (c) The... ability; and (3) That consider the nature and type of credit risk, amount of the loan, and enterprises... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

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

    NARCIS (Netherlands)

    Kirschenmann, K.

    2010-01-01

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

  18. 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:...

  19. 26 CFR 1.585-1 - Reserve for losses on loans of banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Reserve for losses on loans of banks. 1.585-1... regulations thereunder) other than a mutual savings bank, domestic building and loan association, or... TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.585-1 Reserve for losses on loans...

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

    Science.gov (United States)

    Dillon, Erin

    2011-01-01

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

  1. 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 Column A—Description 2,3,4 Column B—Interest rate Column C... mortgage loans on real estate investments has been written down or reserved against, describe the item and...

  2. 42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

    Science.gov (United States)

    2010-10-01

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

  3. 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...

  4. 75 FR 76482 - Federal Housing Administration (FHA): FHA Maximum Loan Limits for 2011

    Science.gov (United States)

    2010-12-08

    ... URBAN DEVELOPMENT Federal Housing Administration (FHA): FHA Maximum Loan Limits for 2011 AGENCY: Office...: This notice announces that FHA has posted on its Web site the single-family maximum loan limits for 2011. The loan limit limits can be found at...

  5. 76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2011-05-24

    ..., including five from System associations and one from the System's trade association. No comment letters were... risky and most profitable segment of its loan portfolio. While large loans may be of sound quality and profitable, such loans have a greater impact on the viability of an institution should they deteriorate. It...

  6. 34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    2010-07-01

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

  7. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Science.gov (United States)

    2011-08-22

    ... William D. Ford Federal Direct Loan Program; Corrections AGENCY: Office of Postsecondary Education... William D. Ford Federal Direct Loan Program to implement certain provisions of the HEA that involve school... William D. Ford Federal Direct Loan Program.) Dated: August 17, 2011. Eduardo M. Ochoa,...

  8. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

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

  9. 76 FR 31299 - Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2011-05-31

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

  10. 75 FR 3193 - Application Package and Reporting Requirements for the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2010-01-20

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

  11. 78 FR 37946 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2013-06-25

    ... by limiting diversification of credit unions' loan portfolios. They also stated this would limit the... of the principal benefits of loan participation is greater loan portfolio diversification... prudent to focus on diversification of risk in a participation portfolio than to limit purchases from a...

  12. 12 CFR 201.104 - Eligibility of consumer loans and finance company paper.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Eligibility of consumer loans and finance....104 Eligibility of consumer loans and finance company paper. (a) The Board of Governors has clarified and modified its position with respect to the eligibility of consumer loans and finance company paper...

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

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

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

  14. 13 CFR 120.434 - What are SBA's requirements for loan pledges?

    Science.gov (United States)

    2010-01-01

    ... are not limited to, on-site review/examination assessments, historical performance measures (like..., and other performance related measurements and information (such as contribution toward SBA mission... the proceeds of the loan secured by the 7(a) loans only for financing 7(a) loans and for costs...

  15. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing...

  16. 13 CFR 120.330 - Who is eligible for an energy conservation loan?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Who is eligible for an energy conservation loan? 120.330 Section 120.330 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Energy Conservation § 120.330 Who is eligible for an...

  17. 76 FR 11815 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-03-03

    ... loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor.../Location: Puerto Rico Housing Finance Authority, San Juan, Puerto Rico. Principal Product/Purpose: The loan... or business activity from one area to another by the loan applicant's business operation; or, (b)...

  18. 13 CFR 120.391 - What is the Builders Loan Program?

    Science.gov (United States)

    2010-01-01

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

  19. 13 CFR 107.845 - Maximum rate of amortization on Loans and Debt Securities.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Maximum rate of amortization on... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES Financing of Small Businesses by Licensees Structuring... rate of amortization on Loans and Debt Securities. The principal of any Loan (or the loan portion...

  20. 76 FR 44055 - BAC Home Loans Servicing, LP, et al.; Notice of Application and Temporary Order

    Science.gov (United States)

    2011-07-22

    ... COMMISSION BAC Home Loans Servicing, LP, et al.; Notice of Application and Temporary Order July 18, 2011... Act, with respect to an injunction entered against BAC Home Loans Servicing, LP (``HLS'') on May 31... (``BAC''). HLS is an entity that services mortgage loans and provides mortgage services,...

  1. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Science.gov (United States)

    2010-01-01

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

  2. Student Loans: Default Rates Need To Be Computed More Appropriately. Report to Congressional Requesters.

    Science.gov (United States)

    Hembra, Richard L.

    This report examines how the Department of Education calculates the default rate for two federal student loan programs--the Federal Family Education Loan program (FFELP) and the William D. Ford Federal Direct Loan Program (FDLP). The report focuses on three questions regarding these programs: (1) whether there has been an increase in the number of…

  3. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments... Federal Home Loan Banks (Banks) to make those requirements consistent with other data reporting... Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank Act (Bank Act) by adding a...

  4. 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

  5. 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 lo

  6. 76 FR 66769 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012

    Science.gov (United States)

    2011-10-27

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

  7. 78 FR 5555 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013

    Science.gov (United States)

    2013-01-25

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

  8. 78 FR 65416 - Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014

    Science.gov (United States)

    2013-10-31

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

  9. 77 FR 4854 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012

    Science.gov (United States)

    2012-01-31

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

  10. 77 FR 71668 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013

    Science.gov (United States)

    2012-12-03

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

  11. 78 FR 26680 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013

    Science.gov (United States)

    2013-05-07

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

  12. 76 FR 44976 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2011

    Science.gov (United States)

    2011-07-27

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

  13. 77 FR 25010 - Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012

    Science.gov (United States)

    2012-04-26

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

  14. 78 FR 45283 - Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013

    Science.gov (United States)

    2013-07-26

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

  15. 77 FR 46550 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012

    Science.gov (United States)

    2012-08-03

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

  16. 7 CFR 1782.23 - Use of Rural Development loans and grants for other purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Use of Rural Development loans and grants for other... § 1782.23 Use of Rural Development loans and grants for other purposes. (a) If, after making a loan or a...(d) of the Consolidated Farm and Rural Development Act (Pub. L. 87-128), as amended; and...

  17. 7 CFR 4280.15 - Ultimate Recipient Projects eligible for Rural Economic Development Loan funding.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.15 Ultimate Recipient Projects eligible for Rural Economic Development Loan funding. An Intermediary may receive REDL funds only... Recipient to finance financially viable economic development or job creation Projects in a Rural Area....

  18. 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...

  19. 12 CFR 211.45 - Accounting for fees on international loans.

    Science.gov (United States)

    2010-01-01

    ... accordance with generally accepted accounting principles. Interpretations ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounting for fees on international loans. 211... Accounting for fees on international loans. (a) Restrictions on fees for restructured international loans....

  20. 7 CFR 3575.80 - Interest rate changes after loan closing.

    Science.gov (United States)

    2010-01-01

    ... guarantee except the normal fluctuations in approved variable interest rate loans. ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 3575.80..., DEPARTMENT OF AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.80 Interest rate changes...

  1. 7 CFR 1717.154 - Transitional assistance in connection with new loans.

    Science.gov (United States)

    2010-01-01

    ... other costs of entering into the merger places on the borrower's rates and cash flows, and the... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows, its electric rates and rate disparity, and the likely mitigation effects of priority loan...

  2. Guaranteed Student Loans. Comparisons of Single State and Multistate Guaranty Agencies. Report to Congressional Committees.

    Science.gov (United States)

    General Accounting Office, Washington, DC. Div. of Human Resources.

    A comparison was made of the practices of so-called multistate guaranty agencies with those of single state guaranty agencies, both operating under the provisions of the Stafford Student Loan Program (formerly the Guaranteed Student Loan Program). It expands on earlier results and provides data on trends in the growth of guaranteed loans and…

  3. An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.

    Science.gov (United States)

    Bayus, Barry; Kendis, Kurt

    1982-01-01

    In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)

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

    CERN Document Server

    Hilyer, Lee Andrew

    2013-01-01

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

  5. The Research on the Loan-to-Value of Inventory Pledge Loan Based Upon the Unified Credit Mode

    Science.gov (United States)

    Peng, Yang

    This paper focus on loan limit indicator of seasonal inventory financing in supply chain financial innovation based on the logistics features of unified credit mode. According to the "corporate and debt" method in trade credit, this paper analyzes the cash flow properties of borrowing firm and the profit level of logistics enterprise, then it assumes downside-risk-averse logistics enterprise instead of risk-neutral logistics enterprise and takes the method of VaR to figure out the maximum loan-to-value ratio of inventory which is in accord with the risk tolerance level of logistics enterprise in seasonal inventory impawn financing.

  6. 26 CFR 1.467-4 - Section 467 loan.

    Science.gov (United States)

    2010-04-01

    ... adequate stated interest at a single fixed rate). (3) Rental agreements subject to constant rental accrual... positive or negative interest for that period equal to the amount of such interest that accrues under the... interest, taking into account the aggregate positive or negative interest on the section 467 loan...

  7. 78 FR 65107 - Loans in Areas Having Special Flood Hazards

    Science.gov (United States)

    2013-10-30

    ... estate or mobile home with the same frequency as payments on the loan are made for the duration of the... requirements with respect to the escrow of flood insurance payments, the acceptance of private flood insurance... flood insurance payments, and section 100239 of the Act, relating to the acceptance of private...

  8. 12 CFR 618.8325 - Disclosure of loan documents.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Disclosure of loan documents. 618.8325 Section 618.8325 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Releasing... agricultural or aquatic purpose and other credit needs of the borrower, including financing for...

  9. 49 CFR 22.13 - Loan terms and conditions.

    Science.gov (United States)

    2010-10-01

    ... the credit risk and reduce potential defaults and loan losses. (j) Key Person Life Insurance. The assignment of existing life insurance policies of personal guarantors or other individuals critical to the... Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Policies Applying...

  10. 38 CFR 1.512 - Disclosure of loan guaranty information.

    Science.gov (United States)

    2010-07-01

    ..., appraisal reports, property inspection reports, or reports of inspection on individual water supply and... reports, property inspection reports, or reports of inspection on individual water supply and sewage... accurate; or (ii) To enable the Secretary to offer for sale or other disposition any loan or installment...

  11. 78 FR 73407 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2013-12-06

    ... is contained in the weekly report on Bank liquidity prepared by DBR; (4) Information about each Bank... FHFA, indicating whether each Bank has timely filed with FHFA the quarterly liquidity certification... AGENCY 12 CFR Part 1260 RIN 2590-AA35 Information Sharing Among Federal Home Loan Banks AGENCY:...

  12. Strategies to Test for Private Student Loan Discrimination

    Science.gov (United States)

    Darolia, Rajeev

    2014-01-01

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

  13. Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

    NARCIS (Netherlands)

    Beck, T.H.L.; Ioannidou, V.; Schäfer, L.

    2012-01-01

    Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending techniques a

  14. 38 CFR 17.805 - Additional terms of loans.

    Science.gov (United States)

    2010-07-01

    .... L. 102-54, 105 Stat. 271, 38 U.S.C. 501) Health Care Benefits for Certain Children of Vietnam... established with the assistance of the loan, the recipient must agree to the following: (a) The use of alcohol... prohibition of alcohol or any illegal drugs will be expelled from the residence; (c) The cost of...

  15. 7 CFR 1737.60 - Telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... funds to be used. The budget shall show, as applicable, amounts for central offices, outside plant and..., vehicles and work equipment, office equipment, operating funds, refinancing with loan funds, debt... Telephone Bank (RTB) or concurrently with RTB, the budget shall include the amount required for the...

  16. UNFAIR TERMS.CAUSES FOR INBALANCES IN BANK LOAN CONTRACTS

    Directory of Open Access Journals (Sweden)

    Mariana Rodica ȚÎRLEA

    2014-11-01

    In the case of bank loan contracts, we believe that the abuse of power takes the form of contractual terms imposed by breaking the natural order and the contract’s drafting principles, in a properly articulated decisive way, commissioned by one holding it, namely by the party holding the dominant position.

  17. 78 FR 73355 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2013-12-05

    ... assist electric borrowers in implementing Demand side management, energy efficiency and conservation... the purpose of assisting electric borrowers to implement Demand side management, energy efficiency and... permit REA to make loans for demand side management and energy conservation program which are required...

  18. 78 FR 12633 - 504 and 7(a) Loan Programs Updates

    Science.gov (United States)

    2013-02-25

    ..., business partners, friends, or family members which can be important to the business success of the...; ] SMALL BUSINESS ADMINISTRATION 13 CFR Parts 120 and 121 RIN 3245-AG04 504 and 7(a) Loan Programs Updates AGENCY: U.S. Small Business Administration. ACTION: Proposed rule. SUMMARY: The U.S. Small...

  19. Do loans harm? The Effect of IMF Programs on Inequality

    NARCIS (Netherlands)

    Gilbert, N.; Unger, B.

    2009-01-01

    IMF programs consist of granting loans, and of conditionality that countries have to follow in order to qualify for them. The paper uses a pooled time-series cross section analysis, covering 98 countries over the period 1970-2000 in order to find out which effect IMF programs have on the personal an

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

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    reduction and LP relaxation are used to obtain near optimal solutions for large problem instances. Our results show that the standard Danish mortgagor should hold a more diversified portfolio of mortgage loans, and that he should rebalance the portfolio more frequently than current practice....

  1. Application of BSDE in Standard Inventory Financing Loan

    Directory of Open Access Journals (Sweden)

    Hui Zhang

    2017-01-01

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

  2. 78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

    Science.gov (United States)

    2013-08-09

    ... AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department of Veterans Affairs (VA... component of this is the ``net value'' of the property to the Government, as defined in 38 CFR 36.4301. Essentially ``net value'' is the fair market value of the property, minus the total costs the...

  3. 13 CFR 400.214 - Participations in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ...) Subject to paragraphs (b), (c) and (d) of this section, a Lender may distribute the risk of a portion of a... solely responsible for the administration of the loan; and (3) The Board's ability to assert any and all... Lenders; (2) Private investment funds and insurance companies that do not usually invest in...

  4. 75 FR 70811 - Commodity Assessments; Loans, Purchases, and Other Operations

    Science.gov (United States)

    2010-11-19

    ... . Persons with disabilities who require alternative means for communication (Braille, large print, audiotape... law, CCC deducts the assessment from the proceeds of a Marketing Assistance Loan (MAL) on behalf of... marketing associations, and the States about $15,000 per year. Notice and Comment These regulations...

  5. 7 CFR 1980.498 - Business and Industry Disaster Loans.

    Science.gov (United States)

    2010-01-01

    ... under the guarantee. No loan will be refinanced unless the current market value of the collateral is at... business has a sound, profitable and successful history prior to the disaster and there are reasonable... market value without discount. Work-in-process inventory may be valued at the estimated market value of...

  6. 7 CFR 4280.129 - Evaluation of guaranteed loan applications.

    Science.gov (United States)

    2010-01-01

    ... the prime rate (as published in The Wall Street Journal) plus 1.5 percent, 5 points will be awarded. (2) If the interest rate on the loan is to be below the prime rate (as published in The Wall Street Journal) plus 1 percent, 10 points will be awarded....

  7. Student Loan Guarantee Agencies and Their Financing. A Working Paper.

    Science.gov (United States)

    Hansen, Janet S.; Wolfe, Mark L.

    Guarantee agencies and their financing are discussed in order to increase awareness of their role and to provide information for policy decisions. Information is provided on: the history of the Guaranteed Student Loan (GSL) program, sources and uses of funds by state guarantee agencies for fiscal years (FY) 1982 and 1984, federal advances repaid…

  8. 75 FR 2800 - Special Community Disaster Loans Program

    Science.gov (United States)

    2010-01-19

    ... Accounting Standards Board (GASB) and published by the Government Finance Officers Association (GFOA). The... extent that existed in the post-Katrina environment. One hospital representative commented that they... may only use the loaned funds to assist in providing essential services, not to finance...

  9. 42 CFR 57.305 - Nursing student loan funds.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student... other funds, providing a clear audit trail for all transactions. At all times the fund must contain... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office...

  10. 78 FR 58516 - Information Collection; Direct Loan Servicing-Regular

    Science.gov (United States)

    2013-09-24

    ... provide loans to family farmers to purchase real estate and equipment, and finance agricultural production... borrowers and provide credit counseling, management advice and financial guidance. Additionally, FSA must document that credit is not available to the borrower from commercial credit sources in order to...

  11. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

    ... as mortgage-participation certificates, mortgage-backed securities, or real estate mortgage... Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM HOME MORTGAGE... currently offered to consumers by a representative sample of creditors for mortgage loans that have low-risk...

  12. Free-Loan Media for French: A Teacher's Guide.

    Science.gov (United States)

    Veitz, M. Frances, Ed.

    Designed to assist French instructors in introducing France to their students, this guidebook provides an annotated list of over 300 audio-visual materials and realia that are available on a free-loan basis. The guide lists films, videotapes, filmstrips, slide collections, pamphlets, factsheets, posters, records, tapes, and booklets available in…

  13. UNIVERSITY SEED CAPITAL PROGRAMS: BENEFITS BEYOND THE LOAN

    National Research Council Canada - National Science Library

    Donna L Herber; Joelle Mendez-Hinds; Jack Miner; Marc C Sedam; Kevin Wozniak; Valerie Landrio McDevitt; Paul R Sanberg

    2017-01-01

    ..., particularly for university-based technology start-up companies. Examples of seed loan programs at both the regional and university level are numerous, and several case studies are presented to highlight the variety of benefits. Seed funding; Start-up...

  14. 77 FR 67329 - Information Collection Request, Servicing Minor Program Loans

    Science.gov (United States)

    2012-11-09

    ..., subordinate and release terms of security instruments, leases, contracts, and agreements entered into by FSA... out the purpose of the loan or protect the Government's financial interest. Section 335 of the CONACT (7 U.S.C. 1985), provides servicing authority for real estate security; operation or lease of...

  15. 75 FR 27949 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2010-05-19

    ... misrepresentation of which the Lender has actual knowledge at the time it becomes such Lender or which the Lender participates in or condones. Misrepresentation includes negligent misrepresentation. A note which provides for... loss regardless of how long ago the loan closed, if RHS determines that fraud or misrepresentation was...

  16. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

    ... Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503. Copies of the... cash flow projections are based on actual production history, a loan is adequately secured, the... Office of Management and Budget approval. Signed at Washington, DC, on May 5, 2010. Jonathan W....

  17. 77 FR 3069 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2012-01-23

    ... up to date in order to support the current cost of providing the service. Elimination of the separate... Fee Management program, a debit/credit program for interlibrary loan) and eliminates the current.... Current users of the service were also notified directly by mail and invited to comment. No comments...

  18. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

    ... loans. (c) Failure to comply with the requirements of this section will subject a school to the... with Federal capital contributions. Any fund established by a school with Federal capital contributions... school must at all times maintain all monies relating to the fund in one or more...

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

    CERN Document Server

    2006-01-01

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

  20. Nigerian University Libraries and the World Bank Loan.

    Science.gov (United States)

    Balarabe, Ahmed Abdu

    1995-01-01

    Discusses the development of Nigerian federal universities and their libraries. Topics include library funding; the Nigerian economic crisis and the university library system; rationale for the World Bank Federal Universities Adjustment Loan Project that was used for library materials, staff development, and equipment; and problems with the…

  1. Retrenched Journals: Further on the World Bank Loan in Nigeria.

    Science.gov (United States)

    Olorunsola, R.

    1995-01-01

    Reviews collection development difficulties encountered at Nigeria's University of Ilorin as a result of the inflation of serial subscription prices and the poor state of the Nigerian economy in the 1980s. Describes the library's successful use of the World Bank loan of 1990-1993 to fund journal renewals and purchases. (JMV)

  2. A National Interlibrary Loan Network: The OCLC Approach.

    Science.gov (United States)

    Jacob, Mary Ellen

    1979-01-01

    Describes the objectives, testing, procedures, and effects on document delivery systems of the OCLC interlibrary loan (ILL) subsystem, an uncoordinated national ILL network which provides users with immediate access to the OCLC On-Line Union Catalog, the ILL Transaction File, and the ILL Message Waiting File. (CWM)

  3. 34 CFR 682.405 - Loan rehabilitation agreement.

    Science.gov (United States)

    2010-07-01

    ... crime involving fraud in obtaining title IV, HEA program assistance, so that the loan may be purchased... to, housing, utilities, food, medical costs, work-related expenses, dependent care costs and other... statement must inform the borrower of the amount of the collection costs to be added to the unpaid...

  4. 7 CFR 1703.106 - Disbursement of loans and grants.

    Science.gov (United States)

    2010-01-01

    ... provide evidence of fidelity bond coverage as required by 7 CFR part 3019. (b) Grants and loans will be... subsequent to FY 1999, funds will be advanced in accordance with 7 CFR 1744.69. (c) The recipient's share in..., on a pro rata distribution basis with financial assistance during the disbursement period....

  5. 34 CFR 668.193 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

    ... EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668... that the FFEL Program lender or the Direct Loan Servicer, as defined in 34 CFR 685.102, failed to... identifies a sample that is large enough to derive an estimate, acceptable at a 95 percent confidence...

  6. 24 CFR 201.27 - Requirements for dealer loans.

    Science.gov (United States)

    2010-04-01

    ..., principals, officers, and salespersons. The dealer shall furnish a current financial statement prepared by... statements, together with such other documentation as the lender deems necessary to support its approval of....27 Requirements for dealer loans. (a) Dealer approval and supervision. (1) The lender shall...

  7. 49 CFR 260.27 - Additional information for loan guarantees.

    Science.gov (United States)

    2010-10-01

    ... Lender, Holder, or prospective Lender; (3) Brief statement of the circumstances and negotiations leading to the agreement by the Lender, Holder, or prospective Lender to make the loan; (4) Brief statement... officers; and. (5) Full and complete statement of all sums to be provided by the Lender or Holder, or to...

  8. 78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-08-07

    ...;delegations of authority, filing of petitions and applications and agency #0;statements of organization and... information is collected by the FSA loan official in consultation with participating commercial lenders. The... to protect the Government's financial interest. The revision to the information reflects that...

  9. 7 CFR 1942.112 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ... community facility requisite to the beneficial and orderly development of a community operated on a... when such expenses are a necessary part of a loan to finance facilities authorized in paragraph (a)(1... rights, leases, permits, rights-of-way, and other evidence of land or water control necessary...

  10. Student Loans, Financial Stress, and College Student Retention

    Science.gov (United States)

    Britt, Sonya L.; Ammerman, David Allen; Barrett, Sarah F.; Jones, Scott

    2017-01-01

    This study examined a sample of 2,475 undergraduate students to determine the influence of financial stress, debt loads, and financial counseling on retention rates. Results indicate, among other findings, that financial stress contributes to an increased likelihood of discontinuing college. Self-reported student loan debt contributes to an…

  11. Loan Words versus Indigenous Words in Northern Sotho — A ...

    African Journals Online (AJOL)

    rbr

    Senaganwa: Maadingwa ge a bapetšwa le Mantšu a Setlogo go Sesotho sa .... Let there be no doubt that actual usage and not the sentiments of a language ..... I don't see the necessity for us to loan words from other languages if we have our ...

  12. 78 FR 13999 - Maximum Interest Rates on Guaranteed Farm Loans

    Science.gov (United States)

    2013-03-04

    ... have removed the term. Comment: Don't remove the ``average agricultural loan customer'' definition. The... the following methods: Federal eRulemaking Portal: Go to http://www.regulations.gov . Follow the.... Comment: FSA should let the market dictate what interest rate lenders charge guaranteed borrowers, rather...

  13. 78 FR 63379 - Registration of Mortgage Loan Originators; Effective Date

    Science.gov (United States)

    2013-10-24

    ... 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA... interim rule, and we now adopt it as final. In accordance with the law, the effective date of the rule...

  14. Strategies to Test for Private Student Loan Discrimination

    Science.gov (United States)

    Darolia, Rajeev

    2014-01-01

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

  15. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

    ... subsidy neutral when used in conjunction with the one- time up-front guarantee fee, thus eliminating the... affect only Agency determination of program benefits for guarantees of loans made to individuals. Changes... activities on the basis of race, color, national origin, age, disability, and where applicable, sex,...

  16. Evaluation of the SMEs’ Loans in the Iranian Banking System: An Application of a Logit Model

    Directory of Open Access Journals (Sweden)

    Mahshid Shahchera

    2012-01-01

    Full Text Available One of the main problems of SMEs is how to finance their investments. The role of banks in this regard is crucial, since they can be a type of sources of financing through lending credits directly to SMEs. The key role of the paper thus relies on analyzing the effect of SMEs financing by the Iranian banking system. The objective of this paper is to determine the influence of loans demanded by the SMEs on finance performance of the various Iranian banks. In addition, it studies the role of other important characters related to lending, bank efficiency, and economic performance in finance to SMEs through the banking system.It is motivated by the hypothesis that macroeconomic-cyclical indicators and bank-specific variables influence the nonperforming loans in the banking system. This is carried out by an application to a logit model. Our findings indicate that several variables have significant effects on nonperforming loans in the Iranian banking system. Return of asset, equity return, SME loan to total loan ratio, inflation, current asset to current liabilities ratio, total SMEs’ loans to total liabilities ratio and total SMEs’ loans to total assets ratio have the pronounced significant impacts on nonperforming loans of the Iranian banking. The coefficient of loans to SMEs is significantly positive, which implies that a loan to SMEs increases nonperforming loans method while raising risks to the banking system.

  17. 78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-01-25

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan... charged to borrowers on loans made under the Federal Family Education Loan (FFEL) Program,...

  18. 78 FR 17647 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-03-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan..., 2012, through June 30, 2013, for certain loans made under the Federal Family Education Loan Program....

  19. 38 CFR 36.4251 - Loans to finance the purchase of manufactured homes and the cost of necessary site preparation.

    Science.gov (United States)

    2010-07-01

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

  20. 78 FR 5431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-01-25

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct..., 2013, for loans made under the William D. Ford Federal Direct Loan (Direct Loan) Program. The...

  1. 78 FR 53431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-08-29

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct... June 30, 2014, for loans made under the William D. Ford Federal Direct Loan (Direct Loan) Program...

  2. 78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-09-25

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct... rates for loans made under the William D. Ford Federal Direct Loan (Direct Loan) Program on or...

  3. 75 FR 77607 - Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-12-13

    ... Office of the Secretary Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan... of Agriculture system of records notice titled, ``Veterinary Medicine Loan Repayment Program Records... select applicants for the Veterinary Medicine Loan Repayment Program (VMLRP); (2) monitor loan...

  4. The National Educational Loan Bank: A Proposal for Improving the System of Lending for Higher Education. Working Paper, Preliminary Draft.

    Science.gov (United States)

    Deitch, Kenneth M.

    A National Education Loan Bank (NELB) is proposed as an alternative to existing federal loan programs for education, such as the National Direct Student Loan program and the Guaranteed Student Loan program. The history and structures of these two programs are detailed: financing, costs, insurance arrangements, agencies, volume, and interest rates.…

  5. 13 CFR 120.848 - Requirements for 504 loan processing, closing, servicing, liquidating, and litigating by PCLP CDCs.

    Science.gov (United States)

    2010-01-01

    ... Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504.... (b) Documentation of decision making. For each PCLP Loan, the PCLP CDC must document in its files the... has identified any problems with the PCLP Loan approval, and whether SBA funds are available for...

  6. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaced by CentER DP 2012-014)

    NARCIS (Netherlands)

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

    2010-01-01

    We study 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 hazard rate on Islamic loans is less than half the hazard rate on conventional loans.

  7. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaced by EBC DP 2012-008)

    NARCIS (Netherlands)

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

    2010-01-01

    We study 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 hazard rate on Islamic loans is less than half the hazard rate on conventional loans.

  8. STRATEGI PENGELOLAAN NON PERFORMING LOAN (NPL BANK UMUM YANG GO PUBLIC

    Directory of Open Access Journals (Sweden)

    Selamet Riyadi

    2015-03-01

    Full Text Available Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan pada Bank Umum di Bursa Efek Indonesia periode tahun 2007sampai dengan tahun 2014. Sampel yang digunakan dalam penelitian ini adalah 10 Bank Umum di BEI. Penelitian ini menggunakan metode regresi data panel dengan efek random. Hasil penelitian menyimpulkan bahwa capital adequacy ratio, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional berpengaruh signifikan terhadap non performing loan, sedangkan variabel total aset tidak berpengaruh signifikan terhadap non performing loan. Model efek random layak digunakan untuk mengestimasi pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan.

  9. Do Loans Increase College Access and Choice? Examining the Introduction of Universal Student Loans. Working Paper 07-1

    Science.gov (United States)

    Long, Bridget Terry

    2007-01-01

    The returns to college are substantial, including increased earnings and public benefits, such as better health and increased involvement in public service and giving. As a result, since the introduction of the Guaranteed Student Loan program in 1965 and the Pell Grant in 1972, the federal government has experimented with using financial aid to…

  10. Direct Loan School Guide, 1998-1999. A Better Way To Borrow. The William D. Ford Federal Loan Program.

    Science.gov (United States)

    Office of Postsecondary Education, Washington DC. Student Financial Assistance Programs.

    This guide for postsecondary education institutions provides guidelines for administering the William D. Ford Federal Direct Loan Program. Chapter 1 describes general participation and origination criteria. Chapter 2 describes the electronic support the Department of Education provides, including information on Electronic Data Exchange (EDE),…

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

    Science.gov (United States)

    Atuahene, Francis

    2008-01-01

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

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

    Science.gov (United States)

    Atuahene, Francis

    2008-01-01

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

  13. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Agus Sasmito Aribowo

    2015-03-01

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

  15. On loss distributions from installment-repaid loans.

    Science.gov (United States)

    Crowder, Martin; Hand, David J

    2005-12-01

    The banks have been accumulating huge data bases for many years and are increasingly turning to statistics to provide insight into customer behaviour, among other things. Credit risk is an important issue and certain stochastic models have been developed in recent years to describe and predict loan default. Two of the major models currently used in the industry are considered here, and various ways of extending their application to the case where a loan is repaid in installments are explored. The aspect of interest is the probability distribution of the total loss due to repayment default at some time. Thus, the loss distribution is determined by the distribution of times to default, here regarded as a discrete-time survival distribution. In particular, the probabilities of large losses are to be assessed for insurance purposes.

  16. Corporate fraud and bank loans: Evidence from china

    Directory of Open Access Journals (Sweden)

    Yunsen Chen

    2011-09-01

    Full Text Available 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.

  17. Margin requirements, margin loans, and margin rates: practice and principles

    OpenAIRE

    Peter Fortune

    2000-01-01

    The Board of Governors of the Federal Reserve System establishes initial margin requirements under Regulations T, U, and X. Recent margin loan increases, both in aggregate value and relative to market capitalization, have rekindled the debate about using margin requirements as an instrument to affect the prices of common stocks. Proponents of a more active margin requirement policy see the regulations as instruments for affecting the level and volatility of stock prices by influencing investo...

  18. The savings and loan problem in the United States

    OpenAIRE

    Silverberg, Stanley C.

    1990-01-01

    Before the late 1970s, U.S. savings and loan institutions (S&Ls) were primarily mutually-owned institutions with limited management capabilities, limited investment options, and virtually unlimited interest rate exposure. The industry was closely tied to real estate so conflicts of interest and concentrations of credit were accepted. The regulatory-supervisory system was also closely tied to the industry so it had trouble identifying problems and imposing appropriate discipline. When interest...

  19. Intelligent Decision Support System for Bank Loans Risk Classification

    Institute of Scientific and Technical Information of China (English)

    杨保安; 马云飞; 俞莲

    2001-01-01

    Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.

  20. RISK LOAN PORTFOLIO OPTIMIZATION MODEL BASED ON CVAR RISK MEASURE

    Directory of Open Access Journals (Sweden)

    Ming-Chang LEE

    2015-07-01

    Full Text Available In order to achieve commercial banks liquidity, safety and profitability objective requirements, loan portfolio risk analysis based optimization decisions are rational allocation of assets.  The risk analysis and asset allocation are the key technology of banking and risk management.  The aim of this paper, build a loan portfolio optimization model based on risk analysis.  Loan portfolio rate of return by using Value-at-Risk (VaR and Conditional Value-at-Risk (CVaR constraint optimization decision model reflects the bank's risk tolerance, and the potential loss of direct control of the bank.  In this paper, it analyze a general risk management model applied to portfolio problems with VaR and CVaR risk measures by using Using the Lagrangian Algorithm.  This paper solves the highly difficult problem by matrix operation method.  Therefore, the combination of this paper is easy understanding the portfolio problems with VaR and CVaR risk model is a hyperbola in mean-standard deviation space.  It is easy calculation in proposed method.

  1. Boon or bane: 401(k) loans and employee contributions.

    Science.gov (United States)

    Wenger, Jeffrey B; Weller, Christian E

    2014-09-01

    Economic and behavioral theories arrive at different conclusions about the effect of being allowed to borrow from one's defined-contribution (DC) retirement plan on people's contributions to DC plans. Traditional life-cycle models unambiguously suggest that the borrowing option makes people better off than not being able to borrow. Households consequently contribute more to their DC plans than they would absent the borrowing option. Previous research finds that the ability to borrow from a DC plan increases contemporaneous contributions, consistent with traditional models. Behavioral finance, in contrast, suggests that some workers may operate with nonlinear time discounting. They plan on saving more in the future but change their mind and save less than initially planned as time passes. These workers may enjoy higher lifetime utility if they have no loan option because DC plans serve as commitment devices for retirement saving. The money cannot be used prior to retirement. Absent this commitment device, contributions may be lower for some households than would be the case without a DC loan option. We study DC plan contributions for households with heterogeneous preferences about discounting. We separate households into those that demonstrate inconsistent (or paradoxical) borrowing behavior, which may reflect nonlinear time discounting, and those with more consistent borrowing behavior. We find that a DC loan option raises current savings, but does so more for households with consistent borrowing behavior than for those with inconsistent borrowing behavior.

  2. Innovative /ye/ and /we/ sequences in recent loans in Japanese

    Science.gov (United States)

    Vance, Timothy; Matsugu, Yuka

    2005-04-01

    The GV sequences /ye/ and /we/ do not occur in Japanese except perhaps in recent loans. Katakana spellings of the relevant loans in authoritative dictionaries are inconsistent, and it is not clear whether native speakers treat them as containing the GV sequences /ye/ and /we/ or as containing the VV sequences /ie/ and /ue/. Native speakers of Japanese with minimal exposure to spoken English were recorded producing some relevant loans in response to picture prompts. The same speakers were also recorded producing some native words containing uncontroversial /ie/ and /ue/ sequences. All the productions are being analyzed acoustically to determine whether they show the expected contrast between GV and VV sequences. A VV sequence is disyllabic (and bimoraic) and should therefore have greater duration and more gradual formant movements than a monosyllabic (and monomoraic) GV sequence. Utterance-initially, a VV sequence should have a LH pitch pattern and should be preceded by a nondistinctive glottal stop, whereas a GV sequence should have a H pitch pattern and should have smooth onset.

  3. Survey and Thought on Graduates’ Repayment Awareness of Student Loan in Agricultural Universities and Colleges

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    To find out graduates’ repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank’s student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students’ personal credit;establish student information management mechanism;standardize banks’ payment reminder administration behavior;and perfect national student loan system.

  4. Regression And Time Series Analysis Of Loan Default At Minescho Cooperative Credit Union Tarkwa

    Directory of Open Access Journals (Sweden)

    Otoo

    2015-08-01

    Full Text Available Abstract Lending in the form of loans is a principal business activity for banks credit unions and other financial institutions. This forms a substantial amount of the banks assets. However when these loans are defaulted it tends to have serious effects on the financial institutions. This study sought to determine the trend and forecast loan default at Minescho CreditUnion Tarkwa. A secondary data from the Credit Union was analyzed using Regression Analysis and the Box-Jenkins method of Time Series. From the Regression Analysis there was a moderately strong relationship between the amount of loan default and time. Also the amount of loan default had an increasing trend. The two years forecast of the amount of loan default oscillated initially and remained constant from 2016 onwards.

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

    Directory of Open Access Journals (Sweden)

    Christopher Ogbonna EMEROLE

    2014-12-01

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

  6. Sewing machines and bank loans, farming and family planning.

    Science.gov (United States)

    Sai, F A; Nsarkoh, J D

    1980-03-01

    Half of a $10,000 grant was given by the International Planned Parenthood Federation (IPPF) to finance the rural development project activities of Danfa, a village of about 835 people in Ghana. In this community the women are hard working but doubly disadvantaged. Along with a high illiteracy rate, the women are limited by inadequate income due to underemployment, under productivity, unfavorable farming conditions, and a lack of resources. Large families, frequent pregnancies, poor mother and child health, and high infant mortality all make matters worse for both the rural farm wife and her family. The project began with a nucleus of women that soon grew to between 24-30. Members soon formed small groups according to their occupational interests. The women grasped the self-help idea immediately. Once or twice a month there were demonstrations and the group worked together in such activities as making soap and pomade, preparing meals, and sewing. Meetings generally ended with a general group brainstorming and then members gathered in smaller groups to review their activities and plan for the future. During the 1st year of the project the men in the group rarely attended meetings. The group gave priority attention to their community's urgent need for working capital. 15 women farmers who met the criteria determined by the group received loans in the 1st round; only 8 satisfied the criteria in the 2nd round. At the beginning of the small loans scheme, the group decided to seek bigger loans from the bank if members proved credit worthy. This requirement was satisfied, and the group began negotiations for a loan with the Agricultural Development Bank. The group received the total group loan. The Ghana Home Science Association considers the project to be successful in several respects. Team spirit has developed the group, and the women play important and respected roles. Family planning problems are regularly presented for discussion, but it is difficult to correlate

  7. 29 CFR 2550.408b-3 - Loans to Employee Stock Ownership Plans.

    Science.gov (United States)

    2010-07-01

    ... requirements—(1) In general. An exempt loan must be primarily for the benefit of the ESOP participants and... $750,000 from a bank. X guarantees the loan which is for 15 years at 5% interest and is payable in... with section 401(a) of the Code or 26 CFR 54.4975-11 will be exempt as of the time of such loan if...

  8. Case Study of Loaned Employee Utilization in Small & Medium Sized Company (Article)

    OpenAIRE

    那須, 一貴

    2012-01-01

     It is essential to hire skillful workers for small and medium sized company to realize sustainable growth and solve insufficiency of talented person. Utilization of loaned skillful employee from large company is one of the solutions for this issue. Such loaned employee can bring not only technical knowledge that has been developed through long working experience but also personal connections to the host company. But loaned employee faces difficulties under the new working environment because...

  9. Professional Loan Officers’ Information Search Behavior After Reading Audit Report of a Financially Distressed Company

    OpenAIRE

    Järvinen, Tuukka; Emma-Riikka, Myllymäki; Sormunen, Nina; Balling, Laura Winther

    2017-01-01

    In order to respond to the concern about the relevance of auditor reporting when a firm is financially distressed, we examine whether the perceived quality of the signing audit firm (i.e. Big4 or non-Big4 auditor) and going-concern modification affects professional loan officers’ information search behavior. Rather than focusing on the final loan granting decision, it is of interest to examine how loan officers navigate through and integrate the information presented in the related audited fi...

  10. USING DEPOSIT INTEREST RATES IN SETTING LOAN INTEREST RATES: EVIDENCE FROM TURKEY

    OpenAIRE

    Önder Kaymaz; Özgür Kaymaz

    2011-01-01

    Bank credit margins are set by two dynamics: loan interest rates and deposit interest rates. The latter is the leading funding cost for the commercial banks. Sampling the period running from the last financial quarter of 2002 to the last financial quarter of 2009, we consider all the listed commercial banks operating in Turkey. We obtain strong evidence of one-way causality between loan interest rates and deposit interest rates. In setting their loan interest rates, banks use deposit interest...

  11. 77 FR 38784 - Applications, Reports, and Other Records for the 2011-2012 Award Year: Student Assistance General...

    Science.gov (United States)

    2012-06-29

    ... Pell Grant Program; 84.268 William D. Ford Federal Direct Loan Program; 84.379 Teacher Education... Perkins Loan, Federal Pell Grant, William D. Ford Federal Direct Loan (Direct Loan), Teacher Education... of part 668. Table C--William D. Ford Federal Direct Loan (Direct Loan) Program and Teacher...

  12. 7 CFR 3565.57 - Modification, extension, reinstatement of loan guarantee.

    Science.gov (United States)

    2010-01-01

    ... reinstate a loan guarantee. In making this decision the Agency will consider potential losses under the...) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM...

  13. A dynamical system of deposit and loan volumes based on the Lotka-Volterra model

    Science.gov (United States)

    Sumarti, N.; Nurfitriyana, R.; Nurwenda, W.

    2014-02-01

    In this research, we proposed a dynamical system of deposit and loan volumes of a bank using a predator-prey paradigm, where the predator is loan volumes, and the prey is deposit volumes. The existence of loan depends on the existence of deposit because the bank will allocate the loan volume from a portion of the deposit volume. The dynamical systems have been constructed are a simple model, a model with Michaelis-Menten Response and a model with the Reserve Requirement. Equilibria of the systems are analysed whether they are stable or unstable based on their linearised system.

  14. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    .... Westbury Bank West Bend...... Wisconsin. Federal Home Loan Bank of Des Moines--District 8 Atkins Savings Bank & Trust.. Atkins......... Iowa. First State Bank Sumner......... Iowa. Northwestern Bank...

  15. Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans.

    Science.gov (United States)

    Cadena, Brian C; Keys, Benjamin J

    2013-10-01

    This paper uses insights from behavioral economics to explain a particularly surprising borrowing phenomenon: One in six undergraduate students offered interest-free loans turn them down. Models of impulse control predict that students may optimally reject subsidized loans to avoid excessive consumption during school. Using the National Postsecondary Student Aid Study (NPSAS), we investigate students' take-up decisions and identify a group of students for whom the loans create an especially tempting liquidity increase. Students who would receive the loan in cash are significantly more likely to turn it down, suggesting that consumers choose to limit their liquidity in economically meaningful situations.

  16. Calculating the Probability of Returning a Loan with Binary Probability Models

    Directory of Open Access Journals (Sweden)

    Julian Vasilev

    2014-12-01

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

  17. 13 CFR 120.331 - What devices or techniques are eligible for a loan?

    Science.gov (United States)

    2010-01-01

    ... for a loan? Eligible energy conservation devices or techniques include: (a) Solar thermal equipment... heating or production of energy from industrial waste; (f) Hydroelectric power equipment; (g) Wind...

  18. Wind Powering America Anemometer Loan Program: A Retrospective

    Energy Technology Data Exchange (ETDEWEB)

    Jimenez, T.

    2013-05-01

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

  19. Do loans harm? The Effect of IMF Programs on Inequality

    OpenAIRE

    Gilbert, N.; Unger, B

    2009-01-01

    IMF programs consist of granting loans, and of conditionality that countries have to follow in order to qualify for them. The paper uses a pooled time-series cross section analysis, covering 98 countries over the period 1970-2000 in order to find out which effect IMF programs have on the personal and wage income distribution of the grant receiving country. Similar to findings on growth (Dreher 2006), IMF programs have also a negative impact on income. This is due mainly to conditionality, whe...

  20. Planned Closeout of the Cf-252 Loan/Lease Program

    Energy Technology Data Exchange (ETDEWEB)

    Sherman, Steven R [ORNL; Patton, Bradley D [ORNL

    2012-09-01

    New funding is sought to pursue planned closeout of the Cf-252 Loan Program. The work will be performed in phases. In the initial phase, users will be surveyed to determine whether they wish to take ownership of sources in their possession, or return them. In the second phase, sources will be recalled from non-DOE entities, and source ownership transfers will be performed. In the third phase, the remaining sources from DOE entities will be recalled. Initial funding of $350K is sought to fund the first phase, and to plan execution of the remaining phases given information collected from user surveys.