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Sample records for stafford loan federal

  1. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

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

  2. 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

    ... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice... Subsidized and Unsubsidized Stafford and PLUS Loans First First Loan type Student grade level disbursed on...

  3. 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

    ... Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program Prior to July 1, 2010 AGENCY: Federal Student Aid, Department of Education. ACTION: Notice. SUMMARY: In... Unsubsidized Stafford and PLUS Loans First First Loan type Student grade level disbursed on disbursed Rate or...

  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

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

  5. Federal Student Loans: Impact of Loan Limit Increases on College Prices Is Difficult to Discern. Report to Congressional Committees. GAO-14-7

    Science.gov (United States)

    Nowicki, Jacqueline M.

    2014-01-01

    For more than a decade, college prices have been rising consistently and have continued to rise at a gradual pace after the Stafford loan limit increases were enacted in 2008 and 2009. However, it is difficult to determine if a direct relationship exists between increases in college prices and the Stafford loan limit increases because of the…

  6. 77 FR 4547 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2012-01-30

    ... defined in section 102(2) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C... CONTACT: Kathleen Wicks, Director of Grants & Campus-Based Division, U.S. Department of Education, Federal...: (202) 377-3110 or via email: kathleen.wicks@ed.gov . If you use a telecommunications device for the...

  7. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-03-15

    ...-case basis the effect that a major disaster, as defined in section 102(2) of the Robert T. Stafford...: Kathleen Wicks, Director of Grants & Campus-Based Division, U.S. Department of Education, Federal Student...) 377-3110 or via the Internet: kathleen.wicks@ed.gov . If you use a telecommunications device for the...

  8. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2011-02-02

    ... effect that a major disaster, as defined in section 102(2) of the Robert T. Stafford Disaster Relief and... CONTACT: Kathleen Wicks, Director of Grants & Campus-Based Division, U.S. Department of Education, Federal...: (202) 377-3110 or via the Internet: kathleen.wicks@ed.gov . If you use a telecommunications device for...

  9. 75 FR 29744 - Federal Pell Grant, Federal Perkins Loan, Federal Work-Study, Federal Supplemental Educational...

    Science.gov (United States)

    2010-05-27

    ..., section 601 of the College Cost Reduction and Access Act of 2007 (CCRAA, Pub. L. 110-84) amended sections.... Education Savings and Asset Protection Allowance. This allowance protects a portion of net worth (assets... DEPARTMENT OF EDUCATION Federal Pell Grant, Federal Perkins Loan, Federal Work-Study, Federal...

  10. 76 FR 71060 - Clarification of Duplication of Benefits Requirements Under the Stafford Act for Community...

    Science.gov (United States)

    2011-11-16

    ... Funds for Explicit and Eligible Purposes B. Treatment of Small Business Administration Loans VII... consultation with the Small Business Administration (SBA) and the Federal Emergency Management Agency (FEMA... duplication of benefit inquiries--the Stafford Act and applicable ``necessary and reasonable cost principles...

  11. 77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-06-29

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

  12. 77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

    Science.gov (United States)

    2012-05-15

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

  13. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

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

  14. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

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

  15. 77 FR 28860 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-05-16

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

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

    Science.gov (United States)

    Project on Student Debt, 2016

    2016-01-01

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

  17. 75 FR 60347 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2010-09-30

    ... business days between the hours of 10 a.m. and 3 p.m. at the Federal Housing Finance Agency, Fourth Floor... FEDERAL HOUSING FINANCE BOARD 12 CFR Part 914 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1260 RIN 2590-AA35 Information Sharing Among Federal Home Loan Banks AGENCY: Federal Housing Finance Agency...

  18. 76 FR 18366 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2011-04-04

    ... combines provisions now found in the Finance Board regulations part 965, Sources of Funds, and part 969... FEDERAL HOUSING FINANCE BOARD 12 CFR Parts 965, 966, 969, and 987 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1270 RIN 2590-AA36 Federal Home Loan Bank Liabilities AGENCY: Federal Housing Finance...

  19. 75 FR 68534 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2010-11-08

    ... combine provisions now found in the Finance Board regulations part 965, Sources of Funds, and part 969... FEDERAL HOUSING FINANCE BOARD 12 CFR Parts 965, 966, 969, and 987 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1270 RIN 2590-AA36 Federal Home Loan Bank Liabilities AGENCY: Federal Housing Finance...

  20. 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

    ... Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program Prior to July 1, 2013 AGENCY: Federal Student Aid, Department of Education. ACTION: Notice... Direct Consolidation Loans First First Loan type Student grade level disbursed on disbursed Rate (percent...

  1. 77 FR 29988 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-05-21

    ... benefits under the Department of Defense's Student Loan Repayment Program, or having a federal education... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan (Direct Loan) Program: Internship/Residency and Loan Debt Burden Forbearance Forms...

  2. 77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-09-24

    ... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan Program General Forbearance Request SUMMARY: Borrowers who receive loans through the William D. Ford Federal Direct Loan Program will use this form to request forbearance on their loans when...

  3. 34 CFR 685.203 - Loan limits.

    Science.gov (United States)

    2010-07-01

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

  4. Federal Student Loans: Patterns in Tuition, Enrollment, and Federal Stafford Loan Borrowing up to the 2007-08 Loan Limit Increase. GAO-11-470R

    Science.gov (United States)

    Scott, George A.

    2011-01-01

    Although a postsecondary education is vitally important to many individuals and the nation's ability to compete globally, high college tuition rates are prompting concerns that it may remain an elusive goal for some. To help students finance their education, Congress recently raised the ceiling on the amount individual students can borrow under…

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

    Science.gov (United States)

    2012-06-13

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

  6. 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

    ... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program on or After July 1, 2013 AGENCY: Federal Student Aid... First Disbursed on or After 7/1/2013 and Through 6/30/2014 Cohort Index rate 2013-2014 Loan type Student...

  7. 77 FR 52705 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL...

    Science.gov (United States)

    2012-08-30

    ... Perkins Loan Program, formerly the National Direct/Defense Student Loan Program (NDSL), currently use this.... Schools participating in the Federal Perkins Loan Program, formerly the National Direct/Defense Student... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins...

  8. 77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

    Science.gov (United States)

    2012-08-01

    ... loans for eligible students to pay the costs of a student's attendance at an eligible institution of... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory Note (MPN...

  9. 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

    ... Subsidized, Direct Unsubsidized, and Direct PLUS Loans First First Loan type Student grade level disbursed on... professional students are no longer eligible for Direct Subsidized Loans. Electronic Access to This Document... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the...

  10. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

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

  11. 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

    ... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice; correction. SUMMARY: On January 25, 2013, the Chief Operating Officer for Federal Student Aid in the U.S...

  12. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

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

  13. 78 FR 77665 - Agency Information Collection Activities; Comment Request; Federal Direct Consolidation Loan...

    Science.gov (United States)

    2013-12-24

    ... existing Federal Direct Consolidation Loan within a specified time period. The LVC serves as the means by... Agency Information Collection Activities; Comment Request; Federal Direct Consolidation Loan Program... to this notice will be considered public records. Title of Collection: Federal Direct Consolidation...

  14. 75 FR 29569 - Recovery Policy RP9526.1, Hazard Mitigation Funding Under Section 406 (Stafford Act)

    Science.gov (United States)

    2010-05-26

    ...] Recovery Policy RP9526.1, Hazard Mitigation Funding Under Section 406 (Stafford Act) AGENCY: Federal... the final Recovery Policy RP9526.1, Hazard Mitigation Funding Under Section 406 (Stafford Act), which... mitigation discretionary funding available under Section 406 of the Robert T. Stafford Disaster Relief and...

  15. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  16. 75 FR 23152 - Board of Directors of Federal Home Loan Bank System Office of Finance

    Science.gov (United States)

    2010-05-03

    ... 1273 and 1274 RIN 2590-AA30 Board of Directors of Federal Home Loan Bank System Office of Finance... Finance Agency's (FHFA) regulations, the Federal Home Loan Bank System's (Bank System) Office of Finance... assess the strength of the Bank System that stands behind them. The Office of Finance (OF) is governed by...

  17. 75 FR 23631 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2010-05-04

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

  18. National Program for Inspection of Non-Federal Dams. Shenipsit Dam (CT 00482), Thames River Basin, Stafford, Connecticut. Phase I Inspection Report.

    Science.gov (United States)

    1980-09-01

    calculatec by the Soil Loss Formula (0.1 ton/ac/yr. y±cld). The dosianed heiGht of the structures vill provide st rage for a 50 year sediment...As shown in the above listing the design meet, the c:rr,1 ,ia established in all instances. L B-13 rage -,- n We have discussed with the S. C.S...WALTHAM,* MASS rMdlRie INSPECTION OF Stafford, CT CANIN ENGINEERS INC. WALLINGFORD, CON.NF. DAS CE# 27 785 KC EWNGINEER NO-FD AS DATE Set𔃺 PAGE C-4 S S U

  19. 77 FR 30265 - Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment...

    Science.gov (United States)

    2012-05-22

    ... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Direct Loan... means by which a borrower who is repaying Direct Loan Program loans under the Income-Contigent Repayment... records. Title of Collection: Direct Loan Income Contingent Repayment Plan Alternative Documentation of...

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

    Science.gov (United States)

    Parker, Thomas D.

    2011-01-01

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

  1. 77 FR 14787 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-03-13

    ... Bank Greer South Carolina. First National Bank of South Carolina Holly Hill South Carolina. Kingstree... Bank and Trust Company Jacksonville......... Illinois. Bank of Kampsville Kampsville Illinois. Kent Bank Kent Illinois. First Federal Savings & Loan Association of Kewanee... Kewanee Illinois. Union...

  2. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ... Part 242 Federal Housing Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans; Final Rule #0;#0;Federal Register / Vol. 78, No. 24 / Tuesday, February 5, 2013 / Rules and...-5334-F-02] RIN 2502-AI74 Federal Housing Administration (FHA): Hospital Mortgage Insurance Program...

  3. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

    .... responsibility for accruing interest. Invitation to Comment We invite you to submit comments regarding these... with how we have treated similarly situated borrowers for other purposes elsewhere in the Direct Loan... final regulations treat a borrower who graduates from his or her program in a timely manner differently...

  4. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... Federal Regulations is available via the Federal Digital System at: www.gpo.gov/fdsys . At this site you... exempt from taxation under section 501(a) of the Internal Revenue Code; and [[Page 76415

  5. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ... projected cash flows related to each provision through the Department's student loan cost estimation model.... Sharon Tanner (alternate), Chief Executive Officer, National League for Nursing Accreditation. Ms. Pamela...

  6. 78 FR 37101 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2013-06-20

    ... Association Charter Act and section 307(e) and (f) of the Federal Home Loan Mortgage Corporation Act... Mortgage Corporation (Freddie Mac), or the Federal Home Loan Banks (Banks) for failure to submit or follow... Activities Information Prior to the enactment of the Housing and Economic Recovery Act of 2008 (HERA), the...

  7. States of Denial: Where Community College Students Lack Access to Federal Student Loans

    Science.gov (United States)

    Cochrane, Debbie; Szabo-Kubitz, Laura

    2016-01-01

    Every year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

  8. 75 FR 17037 - Federal Home Loan Bank Directors' Eligibility, Elections, Compensation and Expenses

    Science.gov (United States)

    2010-04-05

    ...-AA34 Federal Home Loan Bank Directors' Eligibility, Elections, Compensation and Expenses AGENCY... expenses, subject to the authority of the FHFA Director to object to, and to prohibit prospectively, compensation and/or expenses that the Director determines are not reasonable. DATES: This rule is effective May...

  9. Best Manufacturing Practices. Report of Survey Conducted at Stafford County Public Schools, Stafford County, VA

    National Research Council Canada - National Science Library

    1994-01-01

    During the week of August 8, 1994, a Best Manufacturing Practices (BMP) survey was conducted at the Stafford County Public Schools located in Stafford County, Virginia, considered one of the fastest growing counties in the state...

  10. National Program for Inspection of Non-Federal Dams. Ellis Dam (CT 00478), Thames River Basin, Stafford, Connecticut. Phase I Inspection Report.

    Science.gov (United States)

    1980-12-01

    program is: Natilonal Program for Inspection of Non-Federal Dams; use cover date for date of report. I9. i(EY wORDS (Continue an’ reverse oido of noeoeery...00 UL 0S ww (no) oddJ cr1 wS z *+ PLT - IOF SEEPAGE DRAIN 2 ~ GPERFORATED PIPE I GO NON -PERFORATED PIPE EL ŗ ZINVERT ELBA 675.0 zme * 4#0" 21 SMALL

  11. 75 FR 29947 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-05-28

    .... A number of the definitions are the same as those applicable to the Enterprises for their proposed... ``designated disaster areas.'' Consistent with the proposed definition for the new Enterprise housing goals... Enterprises) under sections 1331 through 1334 of the Federal Housing Enterprises Financial Safety and...

  12. The Tangled World of Teacher Debt: Clashing Rules and Uncertain Benefits for Federal Student-Loan Subsidies

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2017-01-01

    The world of student loans and debt forgiveness for teachers is a patchwork of overlapping programs, contradictory regulations, and expensive subsidies that date back to Dwight D. Eisenhower's signing of the National Defense Education Act of 1958. The 60-year experiment in using federal loan dollars to encourage students to become teachers could…

  13. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2013-12-06

    ... notification to the Banks and the Bank System's Office of Finance of the categories of information that it will... FEDERAL HOUSING FINANCE AGENCY [No. 2013-N-16] 12 CFR Part 1260 Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance AGENCY: Federal Housing Finance Agency. ACTION...

  15. Student Debt Levels Continue To Rise. Stafford Indebtedness: 1999 Update. New Agenda Series[TM], Volume 2, Number 3.

    Science.gov (United States)

    Scherschel, Patricia M.

    A study of the rate of growth in Stafford student loan debt levels compiled average indebtedness figures for graduate students, undergraduate students, proprietary students, and students enrolled in community colleges and other 2- and 3-year institutions. The study also attempted to develop payment stress indicators by tracking payment status data…

  16. Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

    The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

  17. At What Cost? How Community Colleges That Do Not Offer Federal Loans Put Students at Risk. Issue Brief

    Science.gov (United States)

    Cochrane, Debbie; Szabo-Kubitz, Laura

    2014-01-01

    Each year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts all agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

  18. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

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

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

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

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

  20. 12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

    Science.gov (United States)

    2010-01-01

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

  1. 75 FR 4963 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2010-01-29

    ... Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans; Proposed Rule #0;#0... Housing Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans AGENCY.... SUMMARY: This rule proposes to revise the regulations governing FHA's Section 242 Hospital Mortgage...

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

    Science.gov (United States)

    Delisle, Jason

    2012-01-01

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

  3. 78 FR 8551 - Federal Housing Administration (FHA) Risk Management Initiatives: Changes to Maximum Loan-to...

    Science.gov (United States)

    2013-02-06

    ... Administration (FHA) Risk Management Initiatives: Changes to Maximum Loan-to-Value Financing Solicitation of...: Notice. SUMMARY: This proposed notice would make changes to the loan-to-value (LTV) financing available... that this proposed change to the LTV requirements is necessary to improve the health of the MMIF, while...

  4. 78 FR 11166 - Agency Information Collection Activities; Comment Request; Federal Perkins Loan Program Regulations

    Science.gov (United States)

    2013-02-15

    ... Docket ID number ED-2013-ICCD-0012 or via postal mail, commercial delivery, or hand delivery. Please note... fund, rehabilitation of defaulted loans as well as institutions use of third party collections. This...

  5. Partners in Community Service: Making a Community Connection Is Part of "The Stafford Way" at Vermont's Stafford Technical Center

    Science.gov (United States)

    Lucci, William, Jr.

    2005-01-01

    The Stafford Technical Center (STC) in Rutland, Vermont, operates with a mission statement that proudly touts its desire to "create a learning environment that promotes pride in work, a sense of self-worth and the ability to respect others by developing effective communication and life skills." Stafford acknowledges that these learning…

  6. Paying for Default: Change over Time in the Share of Federal Financial Aid Sent to Institutions with High Student Loan Default Rates

    Science.gov (United States)

    Jaquette, Ozan; Hillman, Nicholas W.

    2015-01-01

    Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…

  7. 76 FR 49477 - Termination of Federal Home Loan Bank Resolution Funding Corporation Obligation

    Science.gov (United States)

    2011-08-10

    ... savings and loan crisis. 12 U.S.C. 1441b(a), (b). RefCorp issued approximately $30 billion of long-term...)(i). The Banks' payment obligation was to continue until the value of all payments made by the Banks to RefCorp equaled the value of a benchmark annuity of $300 million per year that commenced on the...

  8. 77 FR 35965 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-06-15

    ..., National Association........ Arlington Massachusetts. Medical Area Federal Credit Union........ Brookline... Bank of Ashville Ashville Ohio. Century Federal Credit Union Cleveland Ohio. The Pioneer Savings Bank...

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

    Directory of Open Access Journals (Sweden)

    Pašić Sanela

    2016-04-01

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

  10. GUARANTEED LOAN SYSTEM REQUIREMENTS: Checklist for Reviewing Systems Under the Federal Financial Management Improvement Act

    National Research Council Canada - National Science Library

    2001-01-01

    ...), in Office of Management and Budget (OMB) Circular A-127, Financial Management Systems, and in OMB s Revised Implementation Guidance for the Federal Financial Management Improvement Act (FFMIA...

  11. 78 FR 8131 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2013-02-05

    ... Community Bank Toms River New Jersey. Paragon Federal Credit Union Township of Walls New Jersey. Highlands... Foundation Bank Irvine California. Pacific Enterprise Bank Irvine California. Plaza Bank Irvine California.... Jordan Federal Credit Union Sandy Utah. Foundation Bank Bellevue Washington. Business Bank of Skagit...

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

    Science.gov (United States)

    Brown, Chanda Denea

    2015-01-01

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

  13. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    ............ Massachusetts. Company. Danversbank Danvers........ Massachusetts. Mechanics' Co-operative Bank. Taunton... Savings, FSB........ Munster........ Indiana. Farmers and Mechanics Federal Bloomfield..... Indiana...Texas Bank, SSB......... Cuero Texas. Alliance Bank Sulphur Springs Texas. Angelina Savings Bank, FSB...

  14. 77 FR 58542 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-09-21

    ... Iowa. Blue Grass Savings Bank Blue Grass Iowa. First Federal Credit Union Cedar Rapids Iowa. Exchange... Jacksonville Arkansas. Heritage Bank, National Association Jonesboro Arkansas. First Delta Bank Marked Tree... Bartley Bartley Nebraska. Pathway Bank Cairo Nebraska. Cedar Rapids State Bank Cedar Rapids Nebraska...

  15. 76 FR 12109 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-03-04

    ... Savings Bank Kearny New Jersey. Metuchen Savings Bank Metuchen New Jersey. Boiling Springs Savings Bank... Bank Silver Spring Maryland. AmericasBank Towson Maryland. Hamilton Federal Bank Baltimore Maryland... Ohio. Association of Delaware. The Mechanics Savings Bank Mansfield Ohio. First FS&LA of Newark Newark...

  16. Public Costs, Relative Subsidies, and Repayment Burdens of Federal US Student Loan Plans: Lessons for Reform

    Science.gov (United States)

    Hauser, Daniel C.; Johnston, Alison

    2016-01-01

    American students graduate from college with tens of thousands of dollars in debt, leading to substantial repayment burdens and potentially inefficient shifts in spending patterns and career choices. A political trend towards austerity coupled with the rising student debt make the effective allocation of federal higher education resources and…

  17. 75 FR 65331 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-10-22

    ... Massachusetts. St. Mary's Bank Manchester New Hampshire. Community Guaranty Savings Bank Plymouth New Hampshire.... Tompkinsville Kentucky. United Southern Bank Trenton Kentucky. Citizens Deposit Bank & Trust Vanceburg Kentucky... Gladstone Michigan. United Bank of Michigan Grand Rapids Michigan. Lansing Automakers Federal Credit Union...

  18. 75 FR 16463 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-04-01

    ... Federal Credit Union.... Fort Wayne Indiana. Alliance Bank Francesville Indiana. The Friendship State Bank Friendship Indiana. Goshen Community Bank Goshen Indiana. Indiana Business Bank Indianapolis Indiana.... First Star Bank, SSB Bremond Texas. The Bank and Trust of Bryan/College Bryan Texas. Station. First Bank...

  19. Guaranteed Student Loans: Profits of Secondary Market Lenders Vary Widely. United States General Accounting Office Briefing Report to Congressional Requesters.

    Science.gov (United States)

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

    This report was prepared to determine lenders' rates of return or profitability on Stafford loans in their portfolios, reasons for varying levels of profitability among institutions that hold such loans, and the effect of 1986 subsidy reductions on these lenders' profitability. The study focused on the activities of lenders that purchase Stafford…

  20. 75 FR 8394 - Quivira National Wildlife Refuge, Stafford, KS

    Science.gov (United States)

    2010-02-24

    ... Street, Stafford, KS 67578. FOR FURTHER INFORMATION CONTACT: Toni Griffin, 303-236-4378 (phone); or David... opportunities for hunting, fishing, wildlife observation and photography, and environmental education and... opportunities for the public including hunting, fishing, wildlife observation and photography, interpretation...

  1. 75 FR 54020 - Federal Housing Administration Risk Management Initiatives: New Loan-to-Value and Credit Score...

    Science.gov (United States)

    2010-09-03

    ... Housing Administration Risk Management Initiatives: New Loan-to-Value and Credit Score Requirements AGENCY... credit score threshold as well as reduce the maximum loan-to-value (LTV) for borrowers with lower credit scores who represent a higher risk of default and mortgage insurance claim; and to tighten underwriting...

  2. Borrowing and Repaying Student Loans

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

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

  3. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

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

  4. 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,…

  5. 42 CFR 57.305 - Nursing student loan funds.

    Science.gov (United States)

    2010-10-01

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

  6. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Science.gov (United States)

    2011-08-22

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

  7. Resources available for nuclear power plant emergencies under the Price-Anderson Act and the Robert T. Stafford Disaster Relief and Emergency Assistance Act

    International Nuclear Information System (INIS)

    1992-07-01

    Through a series of TABLETOP exercises and other events that involved participation by State and Federal organizations, the need was identified for further explanation of financial and other related resources available to individuals and State and local governments in a major emergency at a nuclear power plant. A group with representatives from the Nuclear Regulatory commission, the Federal Emergency Management Agency, and the American Nuclear Insurers/Mutual Atomic Energy Liability Underwriters was established to work toward this end. This report is the result of that effort. This document is not meant to modify, undermine, or replace any other planning document (e.g., the Federal Radiological Emergency Response Plan or the Federal Response Plan). Its purpose is to clarify issues that have surfaced regarding resources available under the Price-Anderson and Stafford Acts

  8. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

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

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

    OpenAIRE

    D. Andrew Austin

    2010-01-01

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

  10. 75 FR 23219 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2010-05-03

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

  11. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

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

  12. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Stafford County , VIRGINIA

    Data.gov (United States)

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  13. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

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

  14. 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…

  15. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

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

    2017-09-01

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

  17. David Stafford-Clark (1916-1999): Seeing through a celebrity psychiatrist

    Science.gov (United States)

    Miller, Gavin

    2017-01-01

    This article uses the mass-media career of the British psychiatrist David Stafford-Clark (1916-1999) as a case study in the exercise of cultural authority by celebrity medical professionals in post-war Britain. Stafford-Clark rose to prominence in the mass media, particularly through his presenting work on medical and related topics for BBC TV and Radio, and was in the vanguard of psychiatrists and physicians who eroded professional edicts on anonymity. At the height of his career, he traded upon his celebrity status, and consequent cultural authority, to deliver mass media sermons on a variety of social, cultural, and political topics. Stafford-Clark tried to preserve his sense of personal and intellectual integrity by clinging to a belief that his authority in the public sphere was ultimately to be vindicated by his literary, intellectual, and spiritual significance. But as his credibility dwindled, he came to distrust the cultural intermediaries, such as broadcasters and publishers, who had supported him. PMID:28503668

  18. Student Loans for Higher Education

    Science.gov (United States)

    Simons, Charlene Wear

    2008-01-01

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

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

    Science.gov (United States)

    Fernandez, Chris

    2016-01-01

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

  20. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

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

    2017-01-01

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

  2. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

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

  3. Student Financial Aid: Monitoring Aid Greater Than Federally Defined Need Could Help Address Student Loan Indebtedness. Report to the Honorable Rod Paige, Secretary of Education.

    Science.gov (United States)

    Ashby, Cornelia M.

    This study was conducted to determine how often federal financial aid recipients received aid that was greater than their federally defined need and what cost or other implications might result from changing the Higher Education Act (HEA) to limit such aid. Data came from the 1999-2000 National Postsecondary Student Aid Study for full-time,…

  4. 34 CFR 685.218 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Discharge of student loan indebtedness for survivors of... WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.218 Discharge of student loan... to the death of the student for whom the borrower received the PLUS loan under the procedures in...

  5. Aldrin, Schweickart, Cernan, and Stafford at ASVC prior to grand opening

    Science.gov (United States)

    1997-01-01

    Some of the former Apollo program astronauts and their family members and friends tour the new Apollo/Saturn V Center (ASVC) at KSC prior to the gala grand opening ceremony for the facility that was held Jan. 8, 1997. The astronauts were invited to participate in the event, which also featured NASA Administrator Dan Goldin and KSC Director Jay Honeycutt. Observing one of the displays inside the ASVC are (from left): Lois Aldrin, wife of Apollo 11 Lunar Module Pilot Edward E. 'Buzz' Aldrin, Jr.; Aldrin; Apollo 9 Lunar Module Pilot Russell L. Schweickart; Apollo 10 Lunar Module Pilot and Apollo 17 Commander Eugene A. Cernan; and Apollo 10 Commander Thomas P. Stafford. The ASVC also features several other Apollo program spacecraft components, multimedia presentations and a simulated Apollo/ Saturn V liftoff. The facility will be a part of the KSC bus tour that embarks from the KSC Visitor Center.

  6. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Steiner, Matt

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

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

    Science.gov (United States)

    Congressional Budget Office, 2013

    2013-01-01

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

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

    Science.gov (United States)

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

    2015-01-01

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

  10. 78 FR 6081 - Agency Information Collection Activities; Comment Request; National Student Loan Data System (NSLDS)

    Science.gov (United States)

    2013-01-29

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

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

    Science.gov (United States)

    Cobb, Ashley K.

    2017-01-01

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

  12. Some State Loan Agencies Say They May Stay on the Sidelines This Year

    Science.gov (United States)

    Kelderman, Eric

    2008-01-01

    Despite action by Congress and the Bush administration to shore up the student-loan industry, some state-authorized organizations say they may not return to the loan business this year, and others are cutting some of the borrower benefits and services they provide. Nine state loan agencies stopped issuing either new federally backed or new private…

  13. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

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

  14. 76 FR 71329 - Request for Information Regarding Private Education Loans and Private Educational Lenders

    Science.gov (United States)

    2011-11-17

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

  15. 76 FR 71934 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2011-11-21

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

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

    Science.gov (United States)

    2010-05-12

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

  17. Cohort Default Rates: Predicting the Probability of Federal Sanctions

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

    This study examines the institutional factors associated with student loan default. When a college has more than 30% of its students default on their loans, then the institution faces federal sanctions that could make them ineligible from participating in the federal student loan program. Using Integrated Postsecondary Education Data System…

  18. Complaints Soar over Student-Loan Collections

    Science.gov (United States)

    Field, Kelly

    2012-01-01

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

  19. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

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

  20. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    ... Finance Board. The latter regulates banks within the Federal Home Loan Bank (FHLB) System. These Federal... participating lenders and allow time for computer system changes. Rural Development recognizes the general need... Deposit Insurance Corporation, the Federal Reserve System, the National Credit Union Administration, the...

  1. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

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

  2. 11 CFR 100.111 - Gift, subscription, loan, advance or deposit of money.

    Science.gov (United States)

    2010-01-01

    ... money. 100.111 Section 100.111 Federal Elections FEDERAL ELECTION COMMISSION GENERAL SCOPE AND..., advance or deposit of money. (a) A purchase, payment, distribution, loan (except for a loan made in accordance with 11 CFR 100.113 and 100.114), advance, deposit, or gift of money or anything of value, made by...

  3. 11 CFR 100.52 - Gift, subscription, loan, advance or deposit of money.

    Science.gov (United States)

    2010-01-01

    ... money. 100.52 Section 100.52 Federal Elections FEDERAL ELECTION COMMISSION GENERAL SCOPE AND DEFINITIONS..., advance or deposit of money. (a) A gift, subscription, loan (except for a loan made in accordance with 11 CFR 100.72 and 100.73), advance, or deposit of money or anything of value made by any person for the...

  4. Automatic for the Borrower: How Repayment Based on Income Can Reduce Loan Defaults and Manage Risk

    Science.gov (United States)

    Baum, Sandy; Carew, Diana; Fraire, Jacob; Jacks, Kay; James, Kevin; Madzelan, Daniel; Miller, Scott E.; Simmons, Barry; Thompson, Jessica

    2014-01-01

    When borrowers default on a federal student loan, it can have catastrophic consequences. Their credit scores drop dramatically, severely curtailing their ability to afford a home or a car, and even limiting their ability to sign up for utilities. The cost of their loan rises as late fees pile up. Moreover, the federal government can garnish…

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

    Science.gov (United States)

    2012-05-31

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

  6. Relationship between Student Loan Borrowing of Money and Degree Completion for Students at Two-Year Colleges

    Science.gov (United States)

    Easttorp, Karl

    2017-01-01

    The cost of a college education continues to trend upward and state funding for higher education has trended downward, shifting more of the financial burden to students through student loans. About half of all 2010-2011 financial aid originated from student loans, and total federal student loan borrowing rose 319% between 1990 and 2010.…

  7. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

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

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

    Science.gov (United States)

    Klepfer, Kasey

    2015-01-01

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

  9. Financial literacy and consumer loans

    OpenAIRE

    Lukešová, Martina

    2014-01-01

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

  10. 42 CFR 57.304 - Payment of Federal capital contributions and reallocation of funds remitted to the Secretary.

    Science.gov (United States)

    2010-10-01

    ... IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.304 Payment of Federal capital... time of payment to be available for that fiscal year for the Nursing Student Loan program as the number... unnecessary accumulations of money in any nursing student loan fund. (c) Reallocation of funds remitted to the...

  11. SME loan defaults in Bangladesh

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

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

  12. 75 FR 13806 - Culturally Significant Objects Imported for Exhibition Determinations: “Loan From the Aura...

    Science.gov (United States)

    2010-03-23

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

  13. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Special terms: loans to less than half-time student borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of...

  14. 75 FR 42833 - Prohibited Service at Savings and Loan Holding Companies

    Science.gov (United States)

    2010-07-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Office of Thrift Supervision Prohibited Service at Savings and Loan Holding Companies AGENCY: Office of... collection. Title of Proposal: Prohibited Service at Savings and Loan Holding Companies. OMB Number: 1550...

  15. 7 CFR 3015.54 - Valuation of donated supplies and loaned equipment or space.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Valuation of donated supplies and loaned equipment or...) OFFICE OF THE CHIEF FINANCIAL OFFICER, DEPARTMENT OF AGRICULTURE UNIFORM FEDERAL ASSISTANCE REGULATIONS Cost-Sharing or Matching § 3015.54 Valuation of donated supplies and loaned equipment or space. (a) If...

  16. Student Loan Default: Do Characteristics of Four-Year Institutions Contribute to the Puzzle?

    Science.gov (United States)

    Webber, Karen L.; Rogers, Sharon L.

    2010-01-01

    College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…

  17. Should All Student Loan Payments Be Income-Driven? Trade-Offs and Challenges. White Paper

    Science.gov (United States)

    Asher, Lauren; Cheng, Diane; Thompson, Jessica

    2014-01-01

    This white paper analyzes the potential effects of requiring income-driven repayment for all federal loans as well as relying on paycheck withholding for loan payments, with particular attention to the implications for low-income students and families. The Institute for College Access & Success (TICAS) also examines the relevance and evolution…

  18. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

  19. “Inscrutable Intelligence”: The Case against Plastic Surgery in the Works of Jean Stafford and Sylvia Plath

    Directory of Open Access Journals (Sweden)

    Mercè Cuenca

    2009-06-01

    Full Text Available Jean Stafford’s short story “The Interior Castle” (1946 and Sylvia Plath’s “Face Lift” and “The Plaster”, written in the early 1960s but published posthumously in Crossing the Water (1971, dwell on a theme which is rarely tackled in Postwar American literature: plastic surgery. Using a markedly mnemonic tone, both authors trace in detail the passive submission of female bodies to male (reconstruction. While the history of women in early Cold War America is usually associated with the patriarchal mystifying of housewifery, the myth of ideal, domestic femininity was also intimately related to bodily beauty. The demand for physical “perfection” which resulted from constructing women as, primarily, objects of male desire was mirrored in popular magazines, such as Ladies’ Home Journal, which endorsed women’s seeking medical aid to model themselves into “ideal” sexual mates (Meyerowitz in Meyerowitz ed., 244. Women’s submission to the notion that they should use any means necessary to become aesthetic objects to be appraised by men was thus represented as desirable. In this paper, I shall trace how both Stafford and Plath adopted a confessional style of writing in the abovementioned pieces in order to denounce the cultural construction of women as passive bodies to be moulded at will, instead of as active, thinking subjects. I shall argue that by reproducing the recollections and thoughts of the women being stitched, sewn and bandaged in their pieces, both authors articulated an alternative protofeminist aesthetics based on the beauty of what Stafford described as “inscrutable intelligence”.

  20. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

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

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

    OpenAIRE

    Bridget Terry Long

    2007-01-01

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

  2. 75 FR 34488 - Community Development Revolving Loan Fund for Credit Unions

    Science.gov (United States)

    2010-06-17

    ... From the Federal Register Online via the Government Publishing Office ] NATIONAL CREDIT UNION ADMINISTRATION Community Development Revolving Loan Fund for Credit Unions AGENCY: National Credit Union Administration. ACTION: Notice of application period. SUMMARY: The National Credit Union Administration (NCUA...

  3. 76 FR 2905 - FY2011 Supplemental Funding for Brownfields Revolving Loan Fund (RLF) Grantees

    Science.gov (United States)

    2011-01-18

    ... From the Federal Register Online via the Government Publishing Office ENVIRONMENTAL PROTECTION AGENCY FY2011 Supplemental Funding for Brownfields Revolving Loan Fund (RLF) Grantees AGENCY: Environmental Protection Agency (EPA). ACTION: Notice of the availability of funds. SUMMARY: EPA's Office of...

  4. The Distribution of Federal Elementary-Secondary Education Grants among the States. Final Report on the Study Mandated by Congress in P.L. 100-297, Section 6207.

    Science.gov (United States)

    Barro, Stephen M.

    In the Hawkins-Stafford Elementary and Secondary School Improvement Amendments of 1988, Congress directed the U.S. Department of Education (ED) to conduct a study of methods used to allocate federal elementary and secondary education grants among the states. This document, the final report on that study, assesses grant distribution funding…

  5. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

    ...) released a report describing a number of perceived inadequacies in Federal Government programs across...) Selection priorities. The priorities described below will be used to rate applications and in selecting... loan/grant approval authority may assign up to 15 points for items such as natural disaster, to improve...

  6. 77 FR 43149 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-07-24

    ... Accountability Office (GAO) released a report describing a number of perceived inadequacies in Federal Government... applicants on a case-by- case basis. (d) Selection priorities. The priorities described below will be used to... Program Official with loan/grant approval authority may assign up to 15 points for items such as natural...

  7. 13 CFR 307.12 - Revolving Loan Fund Income.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving Loan Fund Income. 307.12 Section 307.12 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE..., RLF Recipients must comply with applicable federal cost principles and audit requirements as found in...

  8. 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...

  9. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

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

  10. 7 CFR 3550.52 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

  11. SBA Disaster Loan Data FY2008

    Data.gov (United States)

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

  12. SBA Disaster Loan Data FY2011

    Data.gov (United States)

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

  13. 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...

  14. SBA Disaster Loan Data FY2007

    Data.gov (United States)

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

  15. SBA Disaster Loan Data FY2006

    Data.gov (United States)

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

  16. 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...

  17. 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...

  18. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  19. 7 CFR 3052.205 - Basis for determining Federal awards expended.

    Science.gov (United States)

    2010-01-01

    ... of surplus property; the receipt or use of program income; the distribution or consumption of food... value of Federal awards expended under loan programs, except as noted in paragraphs (c) and (d) of this section: (1) Value of new loans made or received during the fiscal year; plus (2) Balance of loans from...

  20. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

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

  1. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ...), Program Manager, Educational Debt Relief and Outreach, Equal Justice Works. Ms. Jennifer Mishory, Deputy... Mr. Scott Giles (alternate), Vice President for Operations, Social Marketing and Strategy, Vermont... AGI and 150 percent of the annual poverty guideline amount for the borrower's State and family size...

  2. A Time to Every Purpose: Understanding and Improving the Borrower Experience with Online Student Loan Entrance Counseling. Research Report

    Science.gov (United States)

    Fernandez, Chris

    2015-01-01

    Legally mandated student loan entrance counseling attempts to prepare first-time borrowers of federal student loans for this challenge; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the third in a series of five from TG Research) describes a study in which…

  3. From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report

    Science.gov (United States)

    Fernandez, Chris

    2015-01-01

    Legally mandated student loan exit counseling attempts to prepare borrowers of federal student loans for the repayment process; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the second in a series of five from TG Research) describes a study in which researchers…

  4. An Analysis of Federal LandBank Borrowers

    OpenAIRE

    Ibendahl, Gregory A.

    2006-01-01

    This paper uses Federal LandBank Data to examine loan characteristics and farm financial characteristics. Given that farm financial characteristics and loan interest rates can change, this paper examines if current farm financial characteristics can predict the current loan interest rate. In addition, this paper tests to see if farm profitability can be predicted using two debt financial characteristics. Results indicate that interest rates and profitability are not very predicatable based on...

  5. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

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

  6. 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. ...

  7. 7 CFR 1421.111 - Loan settlement.

    Science.gov (United States)

    2010-01-01

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

  8. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

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

  9. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Science.gov (United States)

    2010-10-01

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

  10. Credit, usury and interest loans

    Directory of Open Access Journals (Sweden)

    Nicola Lorenzo Barile

    2010-06-01

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

  11. 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.

  12. Catalog of Federal Funding Sources for Watershed Protection

    Data.gov (United States)

    U.S. Environmental Protection Agency — Catalog of Federal Funding Sources for Watershed Protection Web site is a searchable database of financial assistance sources (grants, loans) available to fund a...

  13. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

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

  14. Repayment policy for multiple loans.

    Directory of Open Access Journals (Sweden)

    Yasmin Agueda Rios-Solis

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

  15. Credit supply and the rise in college tuition: evidence from the expansion in federal student aid programs

    OpenAIRE

    Lucca, David O.; Nadauld, Taylor D.; Shen, Karen

    2015-01-01

    When students fund their education through loans, changes in student borrowing and tuition are interlinked. Higher tuition costs raise loan demand, but loan supply also affects equilibrium tuition costs - for example, by relaxing students' funding constraints. To resolve this simultaneity problem, we exploit detailed student-level financial data and changes in federal student aid programs to identify the impact of increased student loan funding on tuition. We find that institutions more expos...

  16. 34 CFR 682.420 - Federal nonliquid assets.

    Science.gov (United States)

    2010-07-01

    ... (other than an intangible or intellectual property asset or a tangible asset of nominal value), the... 34 Education 3 2010-07-01 2010-07-01 false Federal nonliquid assets. 682.420 Section 682.420... Federal Family Education Loan Programs by a Guaranty Agency § 682.420 Federal nonliquid assets. (a...

  17. 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...

  18. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

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

  19. Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

    In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific

  20. 7 CFR 1421.102 - Adjustment of basic loan rates.

    Science.gov (United States)

    2010-01-01

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

  1. 49 CFR 22.67 - Delinquent loans and loan defaults.

    Science.gov (United States)

    2010-10-01

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

  2. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

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

  3. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  4. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

    To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…

  5. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

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

  6. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

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

  7. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  8. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  9. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  10. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

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

    2011-01-01

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

  11. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

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

  12. 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…

  13. 38 CFR 1.924 - Suspension or revocation of eligibility for federal loans, loan insurance, loan guarantees...

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Suspension or revocation.... 1.924 Section 1.924 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS GENERAL... history with respect to repayment of debt. (4) A centralized record shall be retained of the number and...

  14. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... in 1-4 family real estate in an amount that does not exceed 80 percent of the appraised value of the... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...

  15. Private Student Loans. Report to the Senate Committee on Banking, Housing, and Urban Affairs, the Senate Committee on Health, Education, Labor, and Pensions, the House of Representatives Committee on Financial Services, and the House of Representatives Committee on Education and the Workforce

    Science.gov (United States)

    Consumer Financial Protection Bureau, 2012

    2012-01-01

    American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…

  16. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

    ... , (202) 414-6421 or Amy Bogdon, Associate Director, Division of Bank Regulation, [email protected] requirement, the regulations include a separate provision that specifies how a Bank is to determine whether a... subsequent to becoming a member. \\8\\ 12 CFR 1263.6. B. Mission of the Banks FHFA regulations define the...

  17. 75 FR 81096 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-12-27

    ... number of the definitions are the same as those applicable to the Enterprise housing goals, and other... to remain consistent with the revised definition in the final 2010-2011 Enterprise housing goals rule... final Enterprise 2010-2011 housing goals rule, the definition of ``mortgage'' in the final rule does not...

  18. 78 FR 6045 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2013-01-29

    ... Disclosure Requirements on COs The Banks fund their operations principally through the issuance of consolidated obligations (COs), which are debt instruments issued on behalf of the Banks by the OF, a joint....\\6\\ Under these regulations, the COs may be issued only through OF as agent for the Banks, and the...

  19. 78 FR 73407 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2013-12-06

    ...; 12 CFR part 1263. B. Banks' Joint and Several Liability and Disclosure Requirements on COs The Banks fund their operations principally through the issuance of consolidated obligations (COs), which are... COs may be issued only through OF as agent for the Banks, and the Banks are jointly and severally...

  20. 76 FR 31312 - Federal Family Education Loan Program

    Science.gov (United States)

    2011-05-31

    ... activities are encouraged to include in their proposals pricing strategies that include leveraging activities... intervention strategies, chose a more appropriate repayment plan for their financial situation. These types of... capacity to develop, implement, and evaluate a strategy to perform one or more of the GA Responsibility...

  1. 76 FR 29147 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2011-05-20

    ... historical cost for held-to-maturity (HTM) and available-for-sale (AFS) securities and fair value for trading... ABS shall be calculated based on amortized historical costs for securities classified as HTM or AFS \\8\\ and on fair value for trading securities. \\8\\ The amortized historical cost for the HTM and AFS...

  2. 75 FR 72751 - Voluntary Mergers of Federal Home Loan Banks

    Science.gov (United States)

    2010-11-26

    ... possible that the Banks will not have the same motivation as depository institutions or other business... made by any of the Constituent Banks or their officers, directors or employees; and describe any legal...

  3. 76 FR 72823 - Voluntary Mergers of Federal Home Loan Banks

    Science.gov (United States)

    2011-11-28

    ... (Exchange Act).\\9\\ In addition, definitions for the terms ``GAAP'' (referring to accounting principles... required under Generally Accepted Accounting Principles (GAAP), as they assert is the case with the Banks... take into consideration the financial and managerial resources of each of the Constituent Banks, the...

  4. 78 FR 74157 - Notice of HUD-Held Multifamily Loan Sale (MLS 2014-1)

    Science.gov (United States)

    2013-12-10

    ... intention to sell an unsubsidized multifamily mortgage loan, without Federal Housing Administration (FHA... INFORMATION: HUD announces its intention to sell, in MLS 2014-1, an individual unsubsidized multifamily... non-refundable and will be applied toward the purchase price. Deposits will be returned to...

  5. 12 CFR 5.50 - Change in bank control; reporting of stock loans.

    Science.gov (United States)

    2010-01-01

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

  6. 40 CFR 33.402 - Are there special rules for loans under EPA financial assistance agreements?

    Science.gov (United States)

    2010-07-01

    ... PROTECTION AGENCY GRANTS AND OTHER FEDERAL ASSISTANCE PARTICIPATION BY DISADVANTAGED BUSINESS ENTERPRISES IN UNITED STATES ENVIRONMENTAL PROTECTION AGENCY PROGRAMS Fair Share Objectives § 33.402 Are there special... agreement to capitalize revolving loan funds must either apply its own fair share objectives negotiated with...

  7. 13 CFR 307.19 - RLF loan portfolio Sales and Securitizations.

    Science.gov (United States)

    2010-01-01

    ... issue a Federal guaranty covering any issued Security. With prior approval from EDA, an RLF Recipient... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false RLF loan portfolio Sales and Securitizations. 307.19 Section 307.19 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION...

  8. 75 FR 14372 - Fixed Assets, Member Business Loans, and Regulatory Flexibility Program

    Science.gov (United States)

    2010-03-25

    ... the agency's website at http://www.ncua.gov/RegulationsOpinionsLaws/comments as submitted, except as... FEDERAL CREDIT UNIONS 1. The authority citation for part 701 continues to read as follows: Authority: 12 U... * * * * * PART 723--MEMBER BUSINESS LOANS 3. The authority citation for part 723 continues to read as follows...

  9. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...

  10. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

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

  11. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2013-01-01

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

  14. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false The telephone loan budget. 1744.63 Section 1744.63... Disbursement of Funds § 1744.63 The telephone loan budget. When the loan is made, RUS provides the borrower a Telephone Loan Budget, RUS Form 493. This budget divides the loan into budget accounts such as “Engineering...

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

    Science.gov (United States)

    2010-04-01

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

  16. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

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

  17. 42 CFR 57.309 - Payment of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  18. Student Loans Reform in China: Problems and Challenges

    Science.gov (United States)

    Wei, Jianguo; Wang, Rong

    2009-01-01

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

  19. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

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

  20. Federal Holidays

    Data.gov (United States)

    Office of Personnel Management — Federal law (5 U.S.C. 6103) establishes the following public holidays for Federal employees. Please note that most Federal employees work on a Monday through Friday...

  1. Student loan debt and economic outcomes

    OpenAIRE

    Cooper, Daniel H.; Wang, J. Christina

    2014-01-01

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

  2. 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...

  3. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

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

  4. Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

    Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

  5. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

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

  6. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

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

  7. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

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

  8. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

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

  9. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

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

  10. Assessing bank competition for consumer loans

    NARCIS (Netherlands)

    Bolt, Wilko; Humphrey, David

    2015-01-01

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

  11. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  12. Deeper in Debt: Women and Student Loans

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

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

  13. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

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

  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. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

  16. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  17. 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...

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

    African Journals Online (AJOL)

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

  19. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  20. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

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

  1. A Database Management System for Interlibrary Loan.

    Science.gov (United States)

    Chang, Amy

    1990-01-01

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

  2. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

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

  3. The Borrower's Guide to Financing Solar Energy Systems - A Federal Overview

    Energy Technology Data Exchange (ETDEWEB)

    Eiffert, P.

    1999-03-30

    This booklet describes authorized lending programs and loan guarantees provided by Fannie Mae, Freddie Mac and several Federal agencies, including DOE, that consumers and businesses can use to finance solar heat or electric systems and energy efficient mortgages.

  4. Funding Education beyond High School: The Guide to Federal Student Aid 2010-11

    Science.gov (United States)

    US Department of Education, 2010

    2010-01-01

    Federal student aid is a financial help for eligible students to pay for educational expenses at an eligible postsecondary school (e.g., college, vocational school, graduate school). There are three categories of federal student aid: grants, workstudy, and loans. Federal student aid covers expenses such as tuition and fees, room and board, books…

  5. 7 CFR 766.355 - Acceleration of loans.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Shay, Robert P.

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

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

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

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

  9. 7 CFR 1737.60 - Telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Telephone loan budget. 1737.60 Section 1737.60... Cost Estimation Procedures § 1737.60 Telephone loan budget. (a) RUS shall prepare a “Telephone Loan Budget” (RUS Form 493) showing all costs for the proposed project and the amount of loan and nonloan...

  10. Advantages and Disadvantages of Student Loans Repayment Patterns

    Science.gov (United States)

    Shen, Hua

    2010-01-01

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

  11. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

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

  12. 42 CFR 60.51 - The student loan application.

    Science.gov (United States)

    2010-10-01

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

  13. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

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

  14. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

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

    2017-01-01

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

  16. 5 CFR 1655.20 - Residential loans.

    Science.gov (United States)

    2010-01-01

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

  17. 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....

  18. 77 FR 59311 - Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program...

    Science.gov (United States)

    2012-09-27

    ... institution other than charges for tuition and fees and, as applicable, room and board; and Hold on behalf of... K Street NW., Room 8026, Washington, DC 20006-8510. Telephone: (202) 219-7048 or by email: Gail... Street NW., Room 8017, Washington, DC 20006-8510. Telephone: (202) 502-7526 or by email: [email protected

  19. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-11-01

    ... borrower's Adjusted Gross Income (AGI) exceeds 150 percent of the poverty guideline amount applicable to... year of teaching due to a condition covered under the Family and Medical Leave Act (FMLA) to still... regulations governing AWG to incorporate existing policy guidance related to third-party servicers or...

  20. 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...

  1. 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.…

  2. Description of two new species of Glypthelmins Stafford, 1905 (Digenea: Macroderoididae) in Rana spp. from Mexico, based on morphology and mtDNA and rDNA sequences.

    Science.gov (United States)

    Razo-Mendivil, Ulises J; León-Règagnon, Virginia; Pérez-Ponce de León, Gerardo

    2004-11-01

    Glypthelmins Stafford, 1905 includes 29 putative species commonly found in the intestine and liver of anurans from all over the world but mainly in the Americas. Partial sequences of the cytochrome c oxidase subunit 1 ( cox 1), ribosomal internal transcribed spacer region 2 (ITS2) and the large subunit 28S rDNA gene were obtained and analysed using pairwise distance matrices and parsimony methods in order to characterise the interrelationships between 14 isolates of four nominal species of Glypthelmins recognised on morphological grounds. The highest intra-specific sequence divergence occurred in the cox 1 (18.53%) sequence, followed by that of the ITS2 (5.44%) and 28S (4.63%). Genetic variability was detected between the three isolates originally identified as G. facioi Brenes et al., 1959 from two localities in Mexico and one locality in Costa Rica. Sequence divergence exhibited among these isolates ranged from 10.70 to 11.22%, from 0.48 to 0.97% and from 1.33 to 1.88% for cox 1, ITS2 and 28S, respectively. Phylogenetic analysis combining all three data-sets generated a single most parsimonious tree. The three isolates of G. facioi form a clade, with an isolate collected from frogs in Veracruz State as the sister group to an isolate from Tabasco State + G. facioi from Costa Rica. The information derived from pairwise distance of independent data-sets plus the phylogenetic information indicate that each of the two isolates from Mexico, identified a priori as G. facioi, represent separate species. A re-examination of specimens was carried out and a re-evaluation made of the morphological characters to find reliable differences that had been overlooked. As a consequence, G. brownorumae n. sp. from Tabasco and G. tuxtlasensis n. sp. from Veracruz are described based on molecular and morphological differences.

  3. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

    Full Text Available Bad loans are essentially loans with arrears of 90 days or more, and the criterion of 90 days is the most common practice in different countries to determine indicators on the bad in lending. Credit risk is one of the most important financial risks facing the banking system is assumed by all credit institutions and may cause serious problems so that bank and the whole system if risk exposure is substantial. From this point of view, the most important function of bank management is to control the quality of the loan portfolio. This is because the poor quality of loans is the leading cause of bankruptcy. In accordance with the central bank, credit institutions are obliged to protect the bank's capital and the deposits of individuals and legal entities and to cover any loans that present uncertainties in recovery, to determine and utilize prudential value adjustments. The central bank aims NPL development using aggregated indicators on credit institutions. Conclusions are presented on developments and trends in non-performing loans in the portfolio of credit institutions in Romania.

  4. 77 FR 15116 - Notice of Proposed Information Collection: Comment Request; FHA-Insured Mortgage Loan Servicing...

    Science.gov (United States)

    2012-03-14

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

  5. 12 CFR 221.106 - Reliance in “good faith” on statement of purpose of loan.

    Science.gov (United States)

    2010-01-01

    ... vital importance”; and, to fulfill such requirement, “it is clear that the bank must be alert to the... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Reliance in âgood faithâ on statement of purpose of loan. 221.106 Section 221.106 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

  6. 75 FR 15458 - Request for Small Reclamation Projects Act Loan To Construct Narrows Dam in Sanpete County, UT

    Science.gov (United States)

    2010-03-29

    ... Projects Act Loan To Construct Narrows Dam in Sanpete County, UT AGENCY: Bureau of Reclamation, Interior... construction by SWCD of the proposed Narrows Dam and reservoir, a non-Federal project to be located on... construction of the 17,000 acre-foot Narrows Dam and reservoir on Gooseberry Creek, pipelines to deliver the...

  7. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Science.gov (United States)

    2010-04-01

    ... requirements, Student A may deduct the $750 of interest paid in 1998 under section 221. Example 2. Student... Federal income tax. Student B may not deduct the $750 of interest paid in 1998 under section 221. Because.... Payment by employer. Student C obtains a qualified education loan to attend college. Upon Student C's...

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

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

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

  9. Federal Investment

    Science.gov (United States)

    Campbell, Sheila; Tawil, Natalie

    2013-01-01

    The federal government pays for a wide range of goods and services that are expected to be useful some years in the future. Those purchases, called investment, fall into three categories: physical capital, research and development (R&D), and education and training. There are several economic rationales for federal investment. It can provide…

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

    Directory of Open Access Journals (Sweden)

    Sanela Pasic

    2016-01-01

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

  11. 26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

    Science.gov (United States)

    2010-04-01

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

  12. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

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

  14. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  15. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

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

  16. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

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

  17. 7 CFR 4279.113 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  18. 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...

  19. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

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

  20. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

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

  2. 12 CFR 705.7 - Loans to participating credit unions.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  6. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Expedited telecommunications loans 1703.112 Section... § 1703.112 Expedited telecommunications loans RUS will expedite consideration and determination of an application submitted by an RUS telecommunications borrower for a loan under the Act or an advance of such...

  8. 13 CFR 120.884 - Ineligible costs for 504 loans.

    Science.gov (United States)

    2010-01-01

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

  9. 7 CFR 1779.78 - Repurchase of loan.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1779.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 1779.84 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1779.30 - Loan guarantee limitations.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  15. 7 CFR 772.7 - Leasing minor program loan security.

    Science.gov (United States)

    2010-01-01

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

  16. 7 CFR 1714.8 - Hardship rate loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-07-01

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

  18. 7 CFR 1735.33 - Variable interest rate loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Variable interest rate loans. 1735.33 Section 1735.33... § 1735.33 Variable interest rate loans. After June 10, 1991, and prior to November 1, 1993, RUS made certain variable rate loans at interest rates less than 5 percent but not less than 2 percent. For those...

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

    African Journals Online (AJOL)

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

  20. 24 CFR 203.50 - Eligibility of rehabilitation loans.

    Science.gov (United States)

    2010-04-01

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

  1. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

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

  3. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

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

  4. 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.

  5. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 1951.877 - Loan agreements.

    Science.gov (United States)

    2010-01-01

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

  8. 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...

  9. 44 CFR 206.376 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

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

  10. Testimony: Combating the Student Loan Burden

    Science.gov (United States)

    Helmcamp, Leslie

    2012-01-01

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

  11. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

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

  12. 44 CFR 206.366 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

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

  13. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  14. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

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

  15. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

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

  16. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

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

  17. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 4274.356 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing... borrower distress or default; (4) Provide for sharing of risk; (5) Set forth conditions for the offering...

  20. 76 FR 8403 - Biorefinery Assistance Guaranteed Loans

    Science.gov (United States)

    2011-02-14

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

  1. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

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

  2. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

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

  3. PingFederate

    Data.gov (United States)

    US Agency for International Development — PingFederate Server provides Identity Federation and Single Sign On Capabilities. Federated identity management (or identity federation) enables enterprises to...

  4. Creeping Federalization

    DEFF Research Database (Denmark)

    Sweeney, Richard J.

    2003-01-01

    that make taxharmonization difficult to impose. Other types of harmonization have a less clear-cut costbenefitanalysis. A federal commercial code that is uniform across member states reducestransaction and information costs, compared to leaving important code issues to memberstates; further, many states may...

  5. 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.

  6. Improving Federal Response to Drought.

    Science.gov (United States)

    Wilhite, Donald A.; Rosenberg, Norman J.; Glantz, Michael H.

    1986-03-01

    Severe and widespread drought occurred over a large portion of the United States between 1974 and 1977. Impacts on agriculture and other industries, as well as local water supplies, were substantial. The federal government responded with forty assistance programs administered by sixteen federal agencies. Assistance was provided primarily in the form of loans and grants to people, businesses and governments experiencing hardship caused by drought. The total cost of the program is estimated at $7-8 billion.Federal response to the mid-1970s drought was largely untimely, ineffective and poorly coordinated. Four recommendations are offered that, if implemented, would improve future drought assessment and response efforts: 1) reliable and timely informational products and dissemination plans; 2) improved impact assessment techniques, especially in the agricultural sector, for use by government to identify periods of enhanced risk and to trigger assistance measures; 3) administratively centralized drought declaration procedures that are well publicized and consistently applied; and 4) standby assistance measures that encourage appropriate levels of risk management by producers and that are equitable, consistent and predictable. The development of a national drought plan that incorporates these four items is recommended. Atmospheric scientists have an important role to play in the collection and interpretation of near-real time weather data for use by government decision makers.

  7. Fiscal Federalism

    DEFF Research Database (Denmark)

    Feng, Xingyuan; Ljungwall, Christer; Guo, Sujian

    2013-01-01

    China's central–local relations have been marked by perpetual changes amidst economic restructuring. Fiscal decentralization on the expenditure side has been paralleled by centralization on the revenue side, accompanied by political centralization. Hence, our understanding of China's fiscal...... relations is not without controversy. This paper aims to make a theoretical contribution to the ongoing debate on ‘fiscal federalism’ by addressing crucial questions regarding China's central–local fiscal relations: first, to what extent do Chinese central–local fiscal relations conform to fiscal federalism...... in the Western literature? Second, are there any problems with existing principles of fiscal federalism and, if so, how to refine them? Third, how are refined principles relevant to the Chinese case and what policies should the Chinese government pursue in the future? Based on an in-depth and critical review...

  8. Federal databases

    International Nuclear Information System (INIS)

    Welch, M.J.; Welles, B.W.

    1988-01-01

    Accident statistics on all modes of transportation are available as risk assessment analytical tools through several federal agencies. This paper reports on the examination of the accident databases by personal contact with the federal staff responsible for administration of the database programs. This activity, sponsored by the Department of Energy through Sandia National Laboratories, is an overview of the national accident data on highway, rail, air, and marine shipping. For each mode, the definition or reporting requirements of an accident are determined and the method of entering the accident data into the database is established. Availability of the database to others, ease of access, costs, and who to contact were prime questions to each of the database program managers. Additionally, how the agency uses the accident data was of major interest

  9. Federal Aviation Administration retained savings program proposal

    International Nuclear Information System (INIS)

    Hostick, D.J.; Larson, L.L.; Hostick, C.J.

    1998-03-01

    Federal legislation allows federal agencies to retain up to 50% of the savings associated with implementing energy efficiency and water conservation measures and practices. Given budget pressures to reduce expenditures, the use of retained savings to fund additional projects represents a source of funds outside of the traditional budget cycle. The Southwest Region Federal Aviation Administration (FAA) has tasked Pacific Northwest National Laboratory (PNNL) to develop a model retained savings program for Southwest Region FAA use and as a prototype for consideration by the FAA. PNNL recommends the following steps be taken in developing a Southwest Region FAA retained savings program: Establish a retained savings mechanism. Determine the level at which the retained savings should be consolidated into a fund. The preliminary recommendation is to establish a revolving efficiency loan fund at the regional level. Such a mechanism allows some consolidation of savings to fund larger projects, while maintaining a sense of facility ownership in that the funds will remain within the region

  10. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Science.gov (United States)

    2010-07-01

    ... guarantee. FMS means the Financial Management Service, a bureau of the Department of the Treasury. Nontax... of Information Resources Management, Policy and Management Division, Office of Information Technology... Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY FINANCIAL...

  11. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

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

  12. 77 FR 35707 - Notice of Submission of Proposed Information Collection to OMB; FHA-Insured Mortgage Loan...

    Science.gov (United States)

    2012-06-14

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

  13. 34 CFR 682.602 - Rules for a school or school-affiliated organization that makes or originates loans through an...

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Rules for a school or school-affiliated organization..., DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Requirements, Standards, and Payments for Participating Schools § 682.602 Rules for a school or school-affiliated organization that makes or...

  14. "Higher Education: Factors Lenders Consider in Making Lending Decisions for Private Education Loans." Report to Congressional Committees. GAO-10-86R

    Science.gov (United States)

    Scott, George A.

    2009-01-01

    Over the past few decades, the cost of tuition, room, and board for undergraduate students has increased, making it more difficult for some students and families to afford the cost of college. While students have historically relied on federal loans and grants and family contributions to pay for college, a growing number have turned to private…

  15. 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...

  16. 13 CFR 120.215 - What interest rates apply to smaller loans?

    Science.gov (United States)

    2010-01-01

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

  17. 13 CFR 123.5 - What kinds of loans are available?

    Science.gov (United States)

    2010-01-01

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

  18. 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...

  19. 42 CFR 57.207 - Maximum amount of health professions student loans.

    Science.gov (United States)

    2010-10-01

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

  20. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-01-01

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

  2. On asset-liability matching and federal deposit and pension insurance

    OpenAIRE

    Zvi Bodie

    2006-01-01

    Asset-liability mismatch was a principal cause of the Savings and Loan Crisis of the 1980s. The federal government's failure to recognize the mismatch risk early on and manage it properly led to huge losses by the Federal Savings and Loan Insurance Corporation, which had to be covered by taxpayers. In dealing with the problems now facing the defined-benefit pension system and the Pension Benefit Guaranty Corporation (PBGC), the government seems to be making some of the same mistakes it made t...

  3. Consumer Loans in Cambodia: Implications on Banking Stability

    OpenAIRE

    Meng, Channarith

    2014-01-01

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

  4. 42 CFR 60.59 - Records and Federal access after a school is no longer a HEAL school.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Records and Federal access after a school is no longer a HEAL school. 60.59 Section 60.59 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The School § 60.59 Records and Federal...

  5. 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.

  6. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

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

  7. 13 CFR 307.9 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

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

  8. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

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

  9. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

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

  10. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

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

  11. Fiscal Federalism

    Directory of Open Access Journals (Sweden)

    Tatiana Mosteanu

    2007-06-01

    Full Text Available The central budget of a country collects only a fraction of the total fiscal revenues and executes only o fraction of the national public expenditures, the rest of the revenues and expenditures becoming the responsability of subnational governments. The economist Charles Tiebout developed a theoretical model which although makes an imperfect description of the reality, shows that people’s mobility is being influenced by tax rates and the amount of state/local expenditures. Thus, he suggests that the degree of responsibility that can be appointed to the local budgets should subscribe to the tax – benefits ratio, the extend of the positive externalities and the scale economies of public goods. Also, the issue of revenues distribution among communities is being raised, being identified three kinds of grants used by the public authorities: matching grants, block grants and conditional block grants. In the concept of fiscal federalism there can be found a limited analogy between national public finance theory and international public finance theory, with the international taxation as the pivotal element.

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

    Science.gov (United States)

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

    2010-01-01

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

  13. 38 CFR 36.4307 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  14. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

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

  15. 24 CFR 573.7 - Loan guarantee agreement.

    Science.gov (United States)

    2010-04-01

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

  16. 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,…

  17. 38 CFR 36.4377 - Transfer of insured loans.

    Science.gov (United States)

    2010-07-01

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

  18. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

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

  19. 31 CFR 585.406 - Extensions of credits or loans.

    Science.gov (United States)

    2010-07-01

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

  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.

  1. 7 CFR 3550.109 - Escrow account (loans only).

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  4. 38 CFR 21.4503 - Determination of loan amount.

    Science.gov (United States)

    2010-07-01

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

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

    African Journals Online (AJOL)

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

  6. Funding Costs and Loan Pricing by Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis

    2009-01-01

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

  7. 12 CFR 221.103 - Loans to brokers or dealers.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  9. 38 CFR 17.804 - Loan approval criteria.

    Science.gov (United States)

    2010-07-01

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

  10. 78 FR 52460 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-08-23

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

  11. 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

  12. 7 CFR 4280.123 - Guaranteed loan funding.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 4280.152 - Servicing guaranteed loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

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

  15. 25 CFR 101.2 - Kinds of loans.

    Science.gov (United States)

    2010-04-01

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

  16. 7 CFR 1779.96 - Termination of Loan Note Guarantee.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  18. 75 FR 24497 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-05-05

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

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

    African Journals Online (AJOL)

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

  20. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

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

  1. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

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

  2. 7 CFR 1786.104 - Loan fund audit.

    Science.gov (United States)

    2010-01-01

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

  3. 77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans

    Science.gov (United States)

    2012-09-05

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

  4. 7 CFR 2201.28 - Participation in guaranteed Loans.

    Science.gov (United States)

    2010-01-01

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

  5. 13 CFR 500.210 - Assignment or transfer of loans.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

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

  7. Bank loan loss provisions research: A review

    Directory of Open Access Journals (Sweden)

    Peterson K. Ozili

    2017-09-01

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

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

    NARCIS (Netherlands)

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

    1995-01-01

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

  9. 45 CFR 1336.65 - Staffing and organization of the Revolving Loan Fund: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

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

  10. Stronger Federal Efforts Needed for Providing Employment Opportunities and Enforcing Labor Standards in Sheltered Workshops.

    Science.gov (United States)

    1981-09-28

    assistance, through loans or 1/Mental retardation, cerebral palsy, epilepsy, autism, and severe dyslexia were conditions generally accepted as constituting...SUBMINIMUM WAGE GUARANTEE Special treatment of the handicapped was recognized because many individuals cannot successfully compete for jobs at the statu...employing the blind preferential treatment in Government contracting, second only to the Federal Prison Industries, Inc., to provide employment and

  11. 75 FR 16072 - Fisheries Finance Program; Final Program Notice and Announcement of Availability of Federal...

    Science.gov (United States)

    2010-03-31

    ... Finance Program; Final Program Notice and Announcement of Availability of Federal Financial Assistance... announces the availability of long-term direct loans made underthe Fisheries Finance Program (FFP). The FFP... finance either vessel construction or reconstruction that increases vessel harvesting capacity. The FFP...

  12. 7 CFR 1779.43 - Other Federal, State, and local requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Other Federal, State, and local requirements. 1779.43 Section 1779.43 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779...

  13. 29 CFR 99.205 - Basis for determining Federal awards expended.

    Science.gov (United States)

    2010-07-01

    ...; the receipt or use of program income; the distribution or consumption of food commodities; the... until the debt is repaid, the following guidelines shall be used to calculate the value of Federal awards expended under loan programs, except as noted in paragraphs (c) and (d) of this section: (1) Value...

  14. Nurse-midwives in federally funded health centers: understanding federal program requirements and benefits.

    Science.gov (United States)

    Carter, Martha

    2012-01-01

    Midwives are working in federally funded health centers in increasing numbers. Health centers provide primary and preventive health care to almost 20 million people and are located in every US state and territory. While health centers serve the entire community, they also serve as a safety net for low-income and uninsured individuals. In 2010, 93% of health center patients had incomes below 200% of the Federal Poverty Guidelines, and 38% were uninsured. Health centers, including community health centers, migrant health centers, health care for the homeless programs, and public housing primary care programs, receive grant funding and enjoy other benefits due to status as federal grantees and designation as federally qualified health centers. Clinicians working in health centers are also eligible for financial and professional benefits because of their willingness to serve vulnerable populations and work in underserved areas. Midwives, midwifery students, and faculty working in, or interacting with, health centers need to be aware of the regulations that health centers must comply with in order to qualify for and maintain federal funding. This article provides an overview of health center regulations and policies affecting midwives, including health center program requirements, scope of project policy, provider credentialing and privileging, Federal Tort Claims Act malpractice coverage, the 340B Drug Pricing Program, and National Health Service Corps scholarship and loan repayment programs. © 2012 by the American College of Nurse-Midwives.

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

    Science.gov (United States)

    Hansson, E; Tegelberg, E

    2014-10-01

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

  16. Technical Facilities Management, Loan Pool, and Calibration

    Science.gov (United States)

    Smith, Jacob

    2011-01-01

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

  17. 7 CFR 1421.105 - Farm-stored marketing assistance loans.

    Science.gov (United States)

    2010-01-01

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

  18. 13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 614.4231 - Certain seasonal commodity loans to cooperatives.

    Science.gov (United States)

    2010-01-01

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

  20. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Science.gov (United States)

    2010-10-01

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

  1. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Science.gov (United States)

    2010-10-01

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

  2. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

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

  3. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  4. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel a...

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

    Science.gov (United States)

    Menges, Kathleen K.; Leonhard, Christoph

    2016-01-01

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

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

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-10-01

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

  9. 7 CFR 1944.423 - Loan packaging and 502 RH application submittal.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1434.16 - Release of the honey pledged as collateral for a loan.

    Science.gov (United States)

    2010-01-01

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

  12. 13 CFR 120.970 - Servicing of 504 loans and Debentures.

    Science.gov (United States)

    2010-01-01

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

  13. 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

  14. IMPROVING THE PROVISION OF STATE GUARANTEES UNDER CREDITS OR BONDED LOANS RAISED FOR INVESTMENT PROJECTS IMPLEMENTATION

    Directory of Open Access Journals (Sweden)

    Lola D. Sanginova

    2015-01-01

    Full Text Available Importance: Under current conditions, the Russian economy needs investment resources to ensure sustainable social and economic development. One of instruments of state-financing backing that can be used to support capital intensive, economically viable, financially and socially efficient investment projects that create "growing points" are state guarantees of theRussian Federation.Objective: The objective of this study is to identify possible ways to improve the requirements and procedures of providing state guarantees of theRussian Federationwhich contribute to the increase in the quantity and quality of investment projects of high social importance. Methods: Through the use of general scientific methods, analysis and synthesis, induction and deduction the possibility of creating a more attractive environment for principals is analyzed, measures to reduce the risk for public legal entities in providing state guarantees of theRussian Federationunder credits or bonded loans raised for investment projects implementation.Results: Principles of state guarantee support that ensure the interests of both the principals and the guarantor are defined. The basic directions for improving the mechanism how state guarantees of theRussian Federationsupport investment projects are justified. These directions include increasing availability of obtaining state guarantee support by lowering the cost of investment projects for which the state guarantees may be provided; reducing time of decision making on granting a state guarantee; increasing the creditors’ responsibility for a qualitative assessment of the creditworthiness of principals and investment projects; changing the methodology for assessing the social efficiency of investment projects; increasing the information transparency of provided state guarantees of the Russian Federation.Conclusions: The main result of this study is that under current conditions of economic turbulence state guarantees of the

  15. 7 CFR 1786.162 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

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

    Directory of Open Access Journals (Sweden)

    Dushku Elona

    2016-05-01

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

  18. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Agbeko, Daniel

    2017-01-01

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

  20. 7 CFR 1980.498 - Business and Industry Disaster Loans.

    Science.gov (United States)

    2010-01-01

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

  1. 27 CFR 478.97 - Loan or rental of firearms.

    Science.gov (United States)

    2010-04-01

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

  2. 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.

  3. 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...

  4. 34 CFR 668.212 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

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

  5. 31 CFR 545.414 - Loans or extensions of credit.

    Science.gov (United States)

    2010-07-01

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

  6. 7 CFR 1942.112 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  7. 12 CFR 225.44 - Reporting of stock loans.

    Science.gov (United States)

    2010-01-01

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

  8. 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.

  9. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

    Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.

  10. 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;…

  11. Lobbying and Litigation information for federal grants, cooperative agreements, contracts, and loans

    Science.gov (United States)

    These requirements are implemented for EPA in 40 CFR Part 34, which also describes types of activities, such as legislative liaison activities and professional and technical services, which are not subject to this prohibition.

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

    Science.gov (United States)

    2010-07-01

    ... after October 7, 1998, if the cancellation benefits provided under this section are not included in the... service performed on or after October 7, 1998, if the cancellation benefits provided under this section... after July 23, 1992, for full-time teaching in mathematics, science, foreign languages, bilingual...

  13. 75 FR 65615 - Conditional Commitment for a Federal Loan Guarantee for Project Financing for Southwest Intertie...

    Science.gov (United States)

    2010-10-26

    ..., Operation & Maintenance Plan for the SWIP- Southern Portion (August 2010); and the BLM-approved Biological Assessment (2007) and the Biological Opinion (2007 and as amended in 2010) for SWIP South. DOE reviewed... inadequate review of impacts associated with invasive weeds, the desert tortoise and sage grouse, soil...

  14. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... American Bank Allentown Pennsylvania Iron Workers Bank Aston Pennsylvania National Penn Bank Boyertown... Citizens Bank and Trust Frostproof Florida Columbia Bank Lake City Florida Pacific National Bank Miami... Bank Honor Michigan First National Bank & Trust Company of Iron Mountain Michigan Iron Mountain...

  15. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... (DRM). The data reporting requirements under the Bank housing goals regulation are similar to existing data reporting requirements under the DRM, but the requirements are not identical. Specifically, the DRM provides that data that is required to be reported on a semi-annual basis must be submitted within...

  16. 77 FR 38015 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2012-06-26

    .... E-Government Act Compliance The Agency is committed to complying with the E-Government Act, to... following methods: Federal e-Rulemaking Portal: http://www.regulations.gov . Follow the instructions for... Coordination With Indian Tribal Governments Executive Order 13175 imposes requirements on Rural Development in...

  17. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

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

  18. 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.

  19. 12 CFR 723.20 - How can a state supervisory authority develop and enforce a member business loan regulation?

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

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

  1. University Start-up Companies as a Response to Changing Federal Funding

    Science.gov (United States)

    Dehn, J.; Webley, P.

    2013-12-01

    In challenging financial times, science funding is often one of the first casualties in a federal budget. In some cases the unfunded research has market potential and many universities are adopting policies to allow faculty and staff to form companies to support continuing research. Though this is clearly not a replacement for federal support for basic science, it can augment science funding and support the university missions of education, research and service. When federal support for volcano remote sensing at the University of Alaska Fairbanks Geophysical Institute as part of the Alaska Volcano Observatory after 25 years, the PIs started a company called V-ADAPT (Volcanic-Ash Detection, Avoidance and Preparedness for Transportation). This presented a variety of challenges and changing relationships within the volcanic monitoring community. It also raised a series of important questions: (1) What is the role of a private company in providing something that was once publically available? (2) How will the marketplace influence the directions of the research at a university? (3) How can the restrictions placed on federal employees allow effective collaboration? (4) Can the Bayh-Dole and Stafford Acts exist in harmony in this environment? There are many successful examples of start-up companies working well within this environment, but much of this is dependent on the laws and regulations in each state, that vary widely. In addition, many universities have policies in place that are not always compatible with model. A flexible approach is needed to ensure that university missions are not compromised and that an effective business model can support research. Few scientists are not business-savvy, so utilizing the other expertise at a university in schools of business, finance, management and political science is recommended.

  2. Federal Fleet Report

    Data.gov (United States)

    General Services Administration — Annual report of Federal agencies' motor vehicle fleet data collected in the Federal Automotive Statistical Tool (FAST), a web-based reporting tool cosponsored by...

  3. 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.

  4. Framing Canadian federalism

    National Research Council Canada - National Science Library

    Saywell, John; Anastakis, Dimitry; Bryden, Penny E

    2009-01-01

    ... the pervasive effects that federalism has on Canadian politics, economics, culture, and history, and provide a detailed framework in which to understand contemporary federalism. Written in honour of John T. Saywell's half-century of accomplished and influential scholarly work and teaching, Framing Canadian Federalism is a timely and fitting t...

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

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2017-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  9. FEATURES OF PRICING OF THE MORTGAGE MARKET IN THE RUSSIAN FEDERATION AND THE REPUBLIC OF MOLDOVA (Part 1

    Directory of Open Access Journals (Sweden)

    Tatiana KASYANENKO

    2016-07-01

    Full Text Available The relevance of the study is determined by the importance of the market of mortgage loans as the main instrument of social policy. The aim of the article is to identify the relationship between the volume of mortgage loans and the value of residential real estate on both the primary and secondary markets. The article consists of two parts. The main objective of the first part of this article is to clarify the concepts and features of mortgage loans, and identification of peculiarities of mortgage loans in the Russian Federation and the Republic of Moldova. The methodological basis of the work is made up of methods of analysis and synthesis, the combination of logical and historical approaches, methods of economic comparison and statistical analysis. The result of the study of the first part of the article is to identify the stages of development of mortgage loans in the Russian Federation, an analysis of prices in the primary and secondary markets of residential property on the basis of aggregate statistical indicators that reflect the status and characteristics of the housing market. The Russian experience is correlated with the peculiarities of the development of the mortgage market in the Republic of Moldova.

  10. PACE and the Federal Housing Finance Agency (FHFA)

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark; Fuller, Merrian

    2010-03-17

    The FHFA regulates Fannie Mae, Freddie Mac, and the 12 Federal Home Loan Banks (the government-sponsored enterprises - GSEs). On June 18, 2009, James B. Lockhart III, then Director of FHFA, released a letter expressing concern about the negative impact of energy loan tax assessment programs (ELTAPs) - also known as Property Assessed Clean Energy (PACE) programs - on both the housing finance system and homeowner program participants. Subsequently, a number of PACE proponents responded to the concerns laid out in the FHFA letter. In early Fall 2009, word circulated that FHFA was planning to follow its June letter with guidance to other agencies, possibly including Fannie Mae and Freddie Mac, discouraging them from buying loans on properties subject to PACE-type assessment liens. This triggered a second round of stakeholder letters, several of which were addressed to President Obama. On October 18, 2009, the White House, in what some believe was an attempt to obviate the need for FHFA guidance, released a Policy Framework for PACE Financing Programs that outlined best practices guidance for homeowner and lender protection. As of February 2010, FHFA and the GSEs have agreed to monitor PACE programs and work with stakeholders and the Administration to consider additional guidance beyond the Policy Framework and to collect more information on PACE program efficacy and risks. A summary of the communications timeline and highlights of the communications are provided.

  11. 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.

  12. 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.

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

    OpenAIRE

    Ionescu, Felicia; Simpson, Nicole B.

    2014-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  19. 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...

  20. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

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

  1. 38 CFR 36.4255 - Loans for the acquisition of a lot.

    Science.gov (United States)

    2010-07-01

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

  2. 38 CFR 36.4224 - Refinancing existing manufactured home loan including purchase of lot.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2013-07-26

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

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

    Science.gov (United States)

    2012-08-03

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

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

    Science.gov (United States)

    2012-12-03

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

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

    Science.gov (United States)

    2013-05-07

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

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

    Science.gov (United States)

    2012-04-26

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

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

    Science.gov (United States)

    2013-01-25

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

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

    Science.gov (United States)

    2011-07-27

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

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

    Science.gov (United States)

    2013-10-31

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

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

    Science.gov (United States)

    2011-10-27

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

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

    Science.gov (United States)

    2012-01-31

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

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

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

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

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

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

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

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

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

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

  19. 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…

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

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

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

  1. 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

  2. 7 CFR 1940.563 - Section 502 non-subsidized guaranteed Rural Housing (RH) loans.

    Science.gov (United States)

    2010-01-01

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

  3. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

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

  4. 7 CFR 1942.122 - Actions prior to loan closing and start of construction.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR Appendix I to Part 27 - Monthly Home Loan Activity Format

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  7. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

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

  8. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

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

  9. 13 CFR 120.434 - What are SBA's requirements for loan pledges?

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 766.302 - Loan servicing application requirements for borrowers in bankruptcy.

    Science.gov (United States)

    2010-01-01

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

  11. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Science.gov (United States)

    2010-10-01

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

  12. FAKTOR-FAKTOR YANG MEMENGARUHI RATIO NON PERFORMING LOAN (NPL

    Directory of Open Access Journals (Sweden)

    Setiyaningsih Setiyaningsih

    2015-08-01

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

  13. 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.

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

    CERN Document Server

    Hilyer, Lee Andrew

    2013-01-01

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

  15. Germany after Federal elections

    International Nuclear Information System (INIS)

    Niedzballa, G.

    2010-01-01

    The political, economical and social situation in Germany after the election and attitude to nuclear energy are summarised. The Coalition agreement include: 1.Extension of the remaining lifetimes of the nuclear power plants (Nuclear Power considered as “Bridging technology”; Safety first; Skimming of additional profits) 2. No nuclear new builds in Germany 3. Approval and promotion (loan guarantees) of nuclear exports 4. Reversal of the moratorium regarding the exploration of Gorleben salt dome (Completion of the exploration; International Peer Review Group) 5.Further research regarding competence preservation and safety

  16. The Interlibrary Loan Protocol: An OSI Solution to ILL Messaging.

    Science.gov (United States)

    Turner, Fay

    1990-01-01

    Discusses the interlibrary loan (ILL) protocol, a standard based on the principles of the Open Systems Interconnection (OSI) Reference Model. Benefits derived from protocol use are described, the status of the protocol as an international standard is reviewed, and steps taken by the National Library of Canada to facilitate migration to an ILL…

  17. 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....

  18. The New Student Loan System in Chile's Higher Education

    Science.gov (United States)

    Larrain, Christian; Zurita, Salvador

    2008-01-01

    Chile's higher education system stands out as being one of the most privatized and open to the market in the world. Recently, the Chilean Congress passed Law #20.027 of 2005, which provides the legal framework for the creation of a student loan system guaranteed both by the State and by higher education institutions (HEIs), financed by the private…

  19. 38 CFR 36.4223 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  20. 38 CFR 36.4337 - Conformance of loan instruments.

    Science.gov (United States)

    2010-07-01

    ... instruments. 36.4337 Section 36.4337 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS... Conformance of loan instruments. Regulations issued under 38 U.S.C. chapter 37 and in effect on the date of... instruments inconsistent with such regulations are hereby amended and supplemented to conform thereto...