...; Comment Request; Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/ Unsubsidized Stafford/Ford Loan Master Promissory Note AGENCY: Department of Education (ED), Federal Student Aid (FSA... Stafford/Ford Loan and Federal Direct Subsidized/Unsubsidized Stafford/Ford Loan Master Promissory Note...
... Stafford and Consolidation loans. 682.301 Section 682.301 Education Regulations of the Offices of the... borrowers for interest benefits on Stafford and Consolidation loans. (a) General. (1) To qualify for benefits on a Stafford loan, a borrower must demonstrate financial need in accordance with Part F of the...
National Association of Student Financial Aid Administrators, 2014
The Public Service Loan Forgiveness (PSLF) program was established in 2007 to encourage student borrowers to work in the public sector. Qualifying borrowers may have their Direct Loans forgiven after 10 years of full-time service in an eligible job. Currently, qualifying employers include federal, state, or local government agencies and tax-exempt…
... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...) May receive up to $17,500 of loan forgiveness if the borrower— (A) Taught mathematics or science on a full-time basis at an eligible secondary school, or taught mathematics or science to secondary school...
... HEALTH AND HUMAN SERVICES (CONTINUED) HEALTH CARE INFRASTRUCTURE IMPROVEMENT PROGRAM ESTABLISHMENT OF THE HEALTH CARE INFRASTRUCTURE IMPROVEMENT PROGRAM Forgiveness of Indebtedness § 505.15 Plan criteria for... goals specified in paragraphs (a)(1) through (a)(3) of this section. (b) Unique research resources. The...
The degree to which students are able to make adequate repayments on their student loans and avoid default is of special concern for colleges. If too many former students go into default, the college will face sanctions by the federal government and lose eligibility to provide currently enrolled students federal financial aid, such as the Pell…
... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...
Siamagka, Nikoletta Theofania; Christodoulides, George
The concept of forgiveness has been in the centre of research within the psychology domain for a number of years (e.g., Burnette, McCullough, Van Tongeren, & Davis, 2012; Fehr, Gelfand, & Nag, 2010; Mauger, Perry, Freeman, & Grove, 1992). It is surprising, however, that despite the relevance of forgiveness in marketing, the concept has failed to attract much attention and research in this area remains scarce. Few studies have looked into the importance of forgiveness in the contex...
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...
Forgiveness is clearly an important aspect of our moral lives, yet surprisingly Kant, one of the most important authors in the history of Western ethics, seems to have very little to say about it. Some authors explain this omission by noting that forgiveness sits uncomfortably in Kant’s moral thought: forgiveness seems to have an ineluctably ‘elective’ aspect which makes it to a certain extent arbitrary; thus it stands in tension with Kant’s claim that agents are autonomous beings, capable of...
Nowicki, Jacqueline M.
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…
Nieuwboer, W.; Schie, H.T. van; Karremans, J.C.T.M.; Wigboldus, D.H.J.
The present research examined the hypothesis that supernatural agency attributions underlie the relation between religion and forgiveness. In two experiments a priming procedure was used to make religious concepts temporarily more salient. In Experiment 1, a religion prime marginally enhanced
Price, Derek V.
As the number and volume of student loans increase nationally, lenders and policymakers look more closely at the use of loan forbearance. This paper examines whether forbearance really cuts the risk of loan default by reporting on a study of more than 9,800 Stafford loans in forbearance in December 1996. That research shows that the default rate…
Torges, Cynthia; Ingersoll-Dayton, Berit; Krause, Neal
Enright and colleagues (1996) emphasized the beneficial effect of experiencing forgiveness across multiple domains. We build upon their conceptualization of forgiveness by adding a domain--forgiveness by God--to create global forgiveness. In the current study, we use data from a nationally representative study, the Religion, Aging and Health…
Can there be a duty to forgive those who have wronged us? According to a popular view amongst philosophers working on forgiveness the answer is no. Forgiveness, it is claimed, is always elective. This view is rejected by Gamlund (2010a; 2010b) who argues that duties to forgive do exist and then
Hook, Joshua N.; Worthington, Everett L., Jr.; Utsey, Shawn O.; Davis, Don E.; Burnette, Jeni L.
This study tested a theoretical model of the relationship between collectivism and forgiveness. Participants (N= 298) completed measures of collectivistic self-construal, forgiveness, and forgiveness-related constructs. A collectivistic self-was related to understanding forgiveness as an interpersonal process that involved reconciliation.…
Toussaint, Loren; Worthington, Everett L; Van Tongeren, Daryl R; Hook, Joshua; Berry, Jack W; Shivy, Victoria A; Miller, Andrea J; Davis, Don E
Associations between forgiveness and health promotion in the workplace were examined as mediating effects of workplace interpersonal stress. Cross-sectional. Multiple Washington, DC, office-based and Midwestern manufacturing workplaces. Study 1: 108 employees (40 males and 68 females); mean age was 32.4 years. Study 2: 154 employees (14 males and 140 females); mean age was 43.9 years. Questionnaires measured forgiveness, unproductivity, absenteeism, stress, and health problems. Bivariate and multiple correlation/regression and structural equation models were used. Indirect effects were estimated with bootstrapping methods. In study 1, forgiveness of a specific workplace offense was inversely associated with unproductivity ( r = -.35, P stress partially mediated these associations (indirect effects = -.03, -.04, -.05, respectively). The association of forgiveness and occupational outcomes is robust. Forgiveness may be associated with outcomes by (at least partially) reducing stress related to workplace offenses. Forgiveness may be an effective means of coping following being emotionally hurt on the job that may promote good health, well-being, and productivity.
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Donation or loan of Federal... Donation or loan of Federal equipment and supplies. (a) In any major disaster or emergency, the... governments for use and distribution by them for the purposes of the Stafford Act. (b) A donation or loan may...
... 34 Education 3 2010-07-01 2010-07-01 false Processing the borrower's loan proceeds and counseling...'s loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling borrowers...
Lucci, William, Jr.
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…
Full Text Available The article suggests answers to the following questions: what are the characteristics of God�s forgiveness in the intertestamental literature and what connection do these characteristics have with the Old Testament? Important passages in the late Second Temple period that expose the characteristics of God�s forgiveness, such as certain Qumran texts (1QH 12:35�37, 1QH 13:2 and the Damascus Document 14:18�19, the writings of Philo and Josephus, the Apocrypha and the Pseudepigrapha, are investigated for this purpose.
Jordan, Jennifer; Flynn, Francis J.; Cohen, Taya R.
Across four studies, guilt led to forgiveness of others’ transgressions. In Study 1, people prone to experience guilt (but not shame) were also prone to forgive others for past misdeeds. In Study 2, we manipulated harm- and inequity-based guilt; both increased forgiveness of others’ transgressions.
Research has shown that a factor in a victim's forgiveness of an offender is the victim's ability to make more positive, or at least less negative, attributions of the offender's behavior and that perspective-taking can be a factor in facilitating that process. Self-enhancing humor has been found to be positively correlated with perspective-taking empathy and aggressive humor found to be negatively correlated with perspective-taking empathy. Therefore it was predicted that self-enhancing humor would be positively correlated with forgiveness and aggressive humor negatively correlated with forgiveness. The Humor Styles Questionnaire, the Absence of Negative and Presence of Positive subscales of the Forgiveness Scale, and the Forgiveness Likelihood Scale were administered to 112 college undergraduates. Self-enhancing humor was significantly and positively correlated with all of the forgiveness measures, aggressive humor and self-defeating humor were significantly and negatively correlated with some of the forgiveness measures and affiliative humor was not significantly correlated with any of the forgiveness measures. The results were interpreted in terms of previous findings for humor styles, perspective-taking empathy, depression, self-esteem and anxiety. Future research involving the extent to which other personality variables, such as perspective-taking empathy, mediate the relationship between self-enhancing humor and forgiveness was suggested.
Full Text Available Research has shown that a factor in a victim’s forgiveness of an offender is the victim’s ability to make more positive, or at least less negative, attributions of the offender’s behavior and that perspective-taking can be a factor in facilitating that process. Self-enhancing humor has been found to be positively correlated with perspective-taking empathy and aggressive humor found to be negatively correlated with perspective-taking empathy. Therefore it was predicted that self-enhancing humor would be positively correlated with forgiveness and aggressive humor negatively correlated with forgiveness. The Humor Styles Questionnaire, the Absence of Negative and Presence of Positive subscales of the Forgiveness Scale, and the Forgiveness Likelihood Scale were administered to 112 college undergraduates. Self-enhancing humor was significantly and positively correlated with all of the forgiveness measures, aggressive humor and self-defeating humor were significantly and negatively correlated with some of the forgiveness measures and affiliative humor was not significantly correlated with any of the forgiveness measures. The results were interpreted in terms of previous findings for humor styles, perspective-taking empathy, depression, self-esteem and anxiety. Future research involving the extent to which other personality variables, such as perspective-taking empathy, mediate the relationship between self-enhancing humor and forgiveness was suggested.
Full Text Available This paper is intended to enhance understanding of the complexities of restorative justice in cases of terrorism from a victimological perspective. It does so first by analysing what separates terrorism from other forms of crime. The author argues that the main distinction concerns the peculiarly public nature of terrorism, in which the attack on the direct victims is intended to influence a (far larger group of so-called vicarious victims. This means that the public is likely to experience terrorist attacks as attacks on themselves. As a consequence the public can feel entitled to processes of forgiveness which in turn can conflict with the direct victims’ own experience. To illuminate this issue the paper proposes a novel distinction in third party forgiveness processes: between public forgiveness, i.e. forgiveness relating to the public wrongfulness inherent in crime, and vicarious forgiveness, i.e. the public’s experience of forgiveness itself. The complexities for restorative justice after terrorism can be then be viewed in terms of the tensions between the direct victims’ private and the publics’ vicarious forgiveness processes. Este artículo pretende facilitar la comprensión de las complejidades de la justicia restaurativa en casos de terrorismo desde una perspectiva victimológica. Lo hace primero mediante el análisis de lo que separa el terrorismo de otras formas de delincuencia. El autor sostiene que la distinción principal se refiere a la naturaleza pública específica del terrorismo, ya que mediante el ataque a las víctimas directas se pretende influir en el grupo (mucho más grande de las llamadas víctimas vicarias. Esto significa que es probable que el público sienta los ataques terroristas como ataques contra ellos mismos. De esta forma, el público puede sentirse con derecho sobre los procesos de perdón, lo que, a su vez, puede entrar en conflicto con la propia experiencia de las víctimas directas. Para iluminar
... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.508 Debt forgiveness. (a) Benefit. In the case of an assumption or forgiveness of a firm's debt obligation, a benefit exists equal to the amount of...
Lin, Yin; Worthington, Everett L; Griffin, Brandon J; Greer, Chelsea L; Opare-Henaku, Annabella; Lavelock, Caroline R; Hook, Joshua N; Ho, Man Yee; Muller, Holly
This study investigates the efficacy of the 6-hour REACH Forgiveness intervention among culturally diverse undergraduates. Female undergraduates (N = 102) and foreign extraction (46.2%) and domestic (43.8%) students in the United States were randomly assigned to immediate treatment or waitlist conditions. Treatment efficacy and the effect of culture on treatment response were assessed using measures of emotional and decisional forgiveness across 3 time periods. Students in the treatment condition reported greater improvement in emotional forgiveness, but not decisional forgiveness, relative to those in the waitlist condition. Gains were maintained at a 1-week follow-up. Although culture did not moderate the effect of treatment, a main effect of culture on emotional forgiveness and marginally significant interaction effect of culture on decisional forgiveness were found. The REACH Forgiveness intervention was efficacious for college students from different cultural backgrounds when conducted in the United States. However, some evidence may warrant development of culturally adapted forgiveness interventions. © 2014 Wiley Periodicals, Inc.
Benjamin M Zagorsky
Full Text Available Cooperative behavior, where one individual incurs a cost to help another, is a wide spread phenomenon. Here we study direct reciprocity in the context of the alternating Prisoner's Dilemma. We consider all strategies that can be implemented by one and two-state automata. We calculate the payoff matrix of all pairwise encounters in the presence of noise. We explore deterministic selection dynamics with and without mutation. Using different error rates and payoff values, we observe convergence to a small number of distinct equilibria. Two of them are uncooperative strict Nash equilibria representing always-defect (ALLD and Grim. The third equilibrium is mixed and represents a cooperative alliance of several strategies, dominated by a strategy which we call Forgiver. Forgiver cooperates whenever the opponent has cooperated; it defects once when the opponent has defected, but subsequently Forgiver attempts to re-establish cooperation even if the opponent has defected again. Forgiver is not an evolutionarily stable strategy, but the alliance, which it rules, is asymptotically stable. For a wide range of parameter values the most commonly observed outcome is convergence to the mixed equilibrium, dominated by Forgiver. Our results show that although forgiving might incur a short-term loss it can lead to a long-term gain. Forgiveness facilitates stable cooperation in the presence of exploitation and noise.
Bell, Chance A; Fincham, Frank D
Among a sample of emerging adult females (N = 152) we empirically examined the role of humility and forgiveness in romantic relationships. We specifically tested a model linking perceived humility to relationship satisfaction with self-forgiveness and partner-forgiveness. Participants in a romantic relationship completed measures of self-reported humility, self-forgiveness, partner-forgiveness, and relationship satisfaction. Serial mediation analyses were conducted using path analysis to test the following sequence, humility self-forgiveness partner-forgiveness relationship satisfaction. Findings indicate that humility was related to relationship satisfaction via a serially mediated path of self-forgiveness and partner-forgiveness, which was not reducible to impression management. We consider implications for research and clinical practice. © 2017 American Association for Marriage and Family Therapy.
JoAnn Niehaus, Sister
"The Hope Chest," a short story by Jean Stafford, offers a challenge to the oral interpreter of literature because it demands that the performer demonstrate its complex narrative levels. There are five distinct facets in the personality of the central character, Miss Bellamy: a lonely, fearful old lady; a shrewd, hospitable mistress of…
Meinert, Lotte; Obika, Julaina; Whyte, Susan Reynolds
artist, the authors collected personal voice accounts of these ‘social repair’ processes and audio edited them in order to share them with a local public. The editing process raised critical issues regarding ‘editing for effect’, which are of wider relevance for discussions of ethnographic representation...... and social processes of editing past experience. As a way of crafting and controlling material, editing is always ‘for effect’. But the authors were struck by the powerful potentials of this artistic editing and by the difficulty in foreseeing or controlling its consequences among listeners. They suggest...... that personal processes of forgiveness resemble processes of editing, in the sense that past experience is revised and given narrative form, with an effect on the present and future of social relationships. When we edit, we foreground and background segments of data and experience, and cut parts of our...
... duty for training or attendance at a service school. For civilians, “Military service” means service on... Revenue Code; (4) A Tribal college or university; or (5) A private organization that— (i) Provides the following public services: Emergency management, military service, public safety, law enforcement, public...
... secondary school as a highly qualified mathematics or science teacher, or at an eligible educational service agency as a highly qualified teacher of mathematics or science to secondary school students; or (ii) At... in reading, writing, mathematics, and other areas of the elementary school curriculum, as certified...
Krause, Neal; Hayward, R. David
The purpose of this study is to see if older people who are able to forgive themselves have a lower mortality risk than older adults who are not able to forgive themselves. In addition, it is hypothesized that the relationship between self-forgiveness and mortality will be contingent upon the level of an older individual's education. More…
The conviction that forgiveness has an important and valuable role to play in the aftermath of atrocities has gained a considerable momentum in the present day. Brudholm revisits Cynthia Ozick's provocative attack on forgiveness and presents five reasons why her claim - that the face of forgiveness...
Lacey, Nicola; Pickard, Hanna
What do you do when faced with wrongdoing-do you blame or do you forgive? Especially when confronted with offences that lie on the more severe end of the spectrum and cause terrible psychological or physical trauma or death, nothing can feel more natural than blame. Indeed, in the UK and the USA, increasingly vehement and righteous public expressions of blame and calls for vengeance have become commonplace; correspondingly, contemporary penal philosophy has witnessed a resurgence of the retributive tradition, in the modern form usually known as the 'justice' model. On the other hand, people can and routinely do forgive others, even in cases of severe crime. Evolutionary psychologists argue that both vengeance and forgiveness are universal human adaptations that have evolved as alternative responses to exploitation, and, crucially, strategies for reducing risk of re-offending. We are naturally endowed with both capacities: to blame and retaliate, or to forgive and seek to repair relations. Which should we choose? Drawing on evolutionary psychology, we offer an account of forgiveness and argue that the choice to blame, and not to forgive, is inconsistent with the political values of a broadly liberal society and can be instrumentally counter-productive to reducing the risk of future re-offending. We then sketch the shape of penal philosophy and criminal justice policy and practice with forgiveness in place as a guiding ideal.
McNulty, James K.
Despite a burgeoning literature that documents numerous positive implications of forgiveness, scholars know very little about the potential negative implications of forgiveness. In particular, the tendency to express forgiveness may lead offenders to feel free to offend again by removing unwanted consequences for their behavior (e.g., anger, criticism, rejection, loneliness) that would otherwise discourage reoffending. Consistent with this possibility, the current longitudinal study of newlywed couples revealed a positive association between spouses’ reports of their tendencies to express forgiveness to their partners and those partners’ reports of psychological and physical aggression. Specifically, although spouses who reported being relatively more forgiving experienced psychological and physical aggression that remained stable over the first 4 years of marriage, spouses who reported being relatively less forgiving experienced declines in both forms of aggression over time. These findings join just a few others in demonstrating that forgiveness is not a panacea. PMID:21558557
... mind. Forgiveness can lead to: Healthier relationships Improved mental health Less anxiety, stress and hostility Lower blood pressure Fewer symptoms of depression A stronger immune system Improved heart health Improved self-esteem Being hurt by someone, particularly someone you love ...
Ana Mª Beltrán-Morillas
Full Text Available Through forgiveness, people reduce negative responses toward their transgressors, and are more motivated to show positive behaviors instead. Two studies were performed with the aim to approach the phenomenon of forgiveness. The first study, in which 101 university students participated, aimed to examine the differenttypes of transgressions depending on the type of relationship (friendship vs. couple and gender. In thesecond study (n = 201 participants from general population, we studied the influence of gender, emotional, and motivational variables on forgiveness after infidelity betrayal. Results of the first study showed that infidelity is perceived as the most serious transgression. In the second study, results showed that inunfaithful transgression, women perceived the consequences as more serious, felt more negative emotionsand showed greater empathy and dependency than men. Also, empathy in men as well as dependency in women were found to predict revenge, and resulted in less forgiveness. Finally, results showed that in both men and women, the negative affect mediated the relationship between severity of transgression andmotivation to retaliate as a result of infidelity.
Strelan, Peter; Di Fiore, Carolyn; van Prooijen, Jan Willem
We examined the process by which punishment enables forgiveness, testing the proposition that punishment restores a sense of justice to victims, an experience that is empowering. In Study 1 (N = 69), university students received insulting feedback and were given the opportunity (or not) to sanction
Full Text Available Forgiveness is conceptualized as the process of making peace with life. The three sources of forgiveness, another person, oneself, and a situation or circumstance are capable of freeing a person from a negative association to the source that has transgressed against a person. Research studies show the mental health benefits associated with forgiveness. The present study explores the experiences of adults who practice forgiveness, specifically, the indicators of forgiveness, the childhood antecedents, and the benefits of forgiving behavior. The study uses a qualitative research approach following a phenomenological framework. A total of 12 adults, ranging from 25 to 40 years of age, who received a high score on Heartland Forgiveness Scale were included in the study. Using semi-structured in-depth interviews, their personal experiences were explored. The data were analyzed using thematic analysis. The themes emerged show that the childhood antecedents of forgiveness are parental influences and early childhood experiences. The indicators of forgiving behavior include positive emotional state, empathy and perspective taking, and religiosity. The themes identified are enhanced sense of well-being, improved self-acceptance, and competence to deal with challenges. Forgiveness enhanced physical and psychological well-being. The findings of the study have several implications for religious leaders, teachers, parents, mental health professionals, and trainers.
...] 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...
Phillips, Tracey M.
The purpose of this dissertation was to assess the effectiveness of a faith-based curriculum to promote forgiveness. A psycho-educational curriculum entitled "Making Peace With Your Past: Help for Adult Children of Dysfunctional Families" (Sledge, 1992) was offered to a 12-week mixed group in order to promote forgiveness and the desire…
Abstract. Objective: The link between both bullying and victimisation and psychopathology has been well established. Forgiveness has been associated with better mental health. However, few studies have examined the relationship between adolescent forgiveness, psychopathology and bullying/ victimisation. This study ...
In this monograph, the author argues for the integration of the concept of forgiveness into criminal law through incorporating restorative justice practices such as victim-offender mediation. Although forgiveness is not a purpose in itself nor can it be enforced, criminal law should provide room for
Johnson, H Durell; Wernli, Molly A; LaVoie, Joseph C
ABSTRACT. Given the voluntary nature of adolescent friendships, forgiveness of interpersonal transgressions has been identified as a critical aspect of maintaining these relationships. However, transgression forgiveness is related to a range of situational (e.g., transgression severity), interpersonal (e.g., friendship commitment), and intrapersonal (e.g., victim's empathy) factors. Data from 161 adolescents were used to examine the nature of the relationships between these factors and forgiveness and to examine the differential association patterns for adolescent boys and girls. Results for the overall adolescent sample indicated both situational and interpersonal factor associations with forgiveness (R2 = .52, p interpersonal factor associations and differential situational factor associations with female (R2 = .46, p < .001), and male (R2 = .60, p < .001) forgiveness. Findings suggest the likelihood of forgiving may be contextually dependent, and that researchers should consider transgression, relationship, and intrapersonal characteristics when examining forgiveness. Further, the present study suggests the contextual factors associated with forgiveness may be further differentiated by gender.
Buri, John R; And Others
While forgiveness has long been a crucial concept in the churches' formulations for the establishment and the preservation of spiritual, social, and emotional health, consideration of forgiveness by psychology pales in comparison. Research is needed to identify the psychological factors in mothers and fathers which serve as antecedents of the…
Allemand, Mathias; Steiner, Marianne; Hill, Patrick L.
The authors' aim in the present study was to examine the effects of a brief forgiveness intervention for older adults. The psychoeducational group intervention consists of (a) established core components of previous forgiveness interventions and (b) additional components considering specific needs of older adults. Seventy-eight older adults (mean…
Oct 30, 2015 ... Despite its central role in Jesus' teaching, the notion of mutual human ... forgiveness by positive psychologists will be scrutinised ..... positive psychology seeks to contribute to psychological .... people report less anxiety, depression and hostility. They are less ... term) forgivers made positive emotional gains.
McKay, Kevin M; Hill, Melanie S; Freedman, Suzanne R; Enright, Robert D
In recent years Enright and Fitzgibbon's (2000) process model of forgiveness therapy has received substantial theoretical and empirical attention. However, both the process model of forgiveness therapy and the social-cognitive developmental model on which it is based have received criticism from feminist theorists. The current paper considers feminist criticisms of forgiveness therapy and uses a feminist lens to identify potential areas for growth. Specifically, Worell and Remer's (2003) model of synthesizing feminist ideals into existing theory was consulted, areas of bias within the forgiveness model of psychotherapy were identified, and strategies for restructuring areas of potential bias were introduced. Further, the authors consider unique aspects of forgiveness therapy that can potentially strengthen existing models of feminist therapy. (PsycINFO Database Record (c) 2010 APA, all rights reserved).
Karremans, J.C.T.M.; Smith, P.K.
The present research examined the association between power, defined in terms of experienced control over outcomes and resources in a relationship, and interpersonal forgiveness. Based on recent findings in the literature suggesting that power is associated with goal directedness, it was
Astronaut Thomas P. Stafford, Gemini 6 prime crew pilot, climbs out of a boilerplate model of a Gemini spacecraft during water egress training in the Gulf of Mexico. A NASA swimmer in the water nearby assists in the exercise.
Dangel, Trever J; Webb, Jon R; Hirsch, Jameson K
Research is burgeoning regarding the beneficial association of forgiveness with numerous health-related outcomes; however, its particular relationship to suicidal behavior has received relatively little attention. Both cynicism and psychache, or agonizing psychological pain, have displayed deleterious associations with suicidal behavior, but have rarely been incorporated into more comprehensive models of suicidal behavior. Consistent with the recent development of a theoretical model regarding the forgiveness-suicidal behavior association, the present study utilized an undergraduate sample of college students (N = 312) to test a mediation-based model of the cross-sectional association of forgiveness with suicidal behavior, as serially mediated by cynicism and psychache. Dispositional forgiveness of self and forgiveness of uncontrollable situations were each indirectly associated with less suicidal behavior via less psychache. Also, dispositional forgiveness of others was indirectly associated with less suicidal behavior via less cynicism and less psychache, in a serial fashion. The present results are consistent with the extent literature on the forgiveness-suicidal behavior association, cynicism, and psychache, and pending future studies, may be utilized to inform further treatment efforts for individuals at a high risk of attempting suicide.
In its quest for a non-medical, pro-health approach to psychotherapy, positive psychology ... Deridda, Wolterstorff]); (4) the (perceived) positive role of forgiveness in psychotherapy; (5) the 'techniques' or method ... AJOL African Journals Online.
Full Text Available The study examined the importance of cognitive (positive orientation, basic hope and emotional (positive and negative affectivity, emotional control variables for state and trait forgiveness. One hundred and thirty nine participants completed six inventories in Polish version: HFS (Thompson et al., 2005, TRIM (McCullough et al., 1998, P-Scale (Caprara et al., 2012, BHI-12 (Trzebiński & Zięba, 2003a, SUPIN (Polish version of PANAS; Watson, Clark, & Tellegen, 1988, CECS (Watson & Greer, 1983. Results showed that dispositional forgiveness (general and positive was associated with cognitive and emotional predictors, whereas episodic forgiveness primarily with certain emotional variables. In addition, the results indicated that emotional predictors merely participate in the process of reducing unforgiveness, whereas cognitive and emotional variables were shown to be necessary for full forgiveness.
Ari Dwi Yudhianto
Full Text Available This research aims to develop a training modules forgiveness based on the appraisement of experts (reviewers and high school student's response to the training modules forgiveness that have been developed. This study adapting the model development of Borg and Gall (1983, while the structure of the writing module refers to the guide preparation of module which prepared by the Director General module PMPTK (2008. The results of this study are drafting a training module forgiveness for senior high school students in Malang. Based appraisement materials experts, media specialists, and linguists classified as good, according to school counselors classified very good and yield response of students classified as good. So, that these modules worthy be used in the awarding of guidance services in schools. Penelitian ini bertujuan untuk mengembangkan modul latihan forgiveness berdasarkan penilaian para ahli (reviewer dan respon siswa SMA terhadap Modul latihan forgiveness yang telah dikembangkan. Penelitian ini mengadaptasi model pengembangan Borg and gall (1983, sedangkan struktur penulisan modul mengacu pada panduan penyusunan modul yang disusun oleh dirjen PMPTK (2008. Hasil penelitian ini adalah tersusunnya modul latihan forgiveness untuk siswa SMA di Kota Malang yang berdasarkan penilaian ahli materi, ahli media, dan ahli bahasa tergolong baik, menurut konselor sekolah tergolong sangat baik dan hasil respon siswa tergolong baik. sehingga modul ini layak digunakan dalam pemberian layanan bimbingan di sekolah.
Maria Lourdes Fernandez-Manzano
Full Text Available Forgiveness is not one of the aims of restorative processes. However, the conditions that enable these processes can also make forgiveness more likely. The positive impact that forgiveness can have on the lives of the victims of serious crimes, such as terrorism, means that this issue should be discussed when seeking to apply restorative justice in any situation. The main philosophies of forgiveness, the absence of pressure to forgive and the consequences of interpersonal forgiveness in social reconciliation are among the questions addressed. El perdón no es uno de los objetivos de los procesos restaurativos. Sin embargo, algunas condiciones que se han definido como parte de estos procesos hacen el perdón más probable. El impacto positivo que el perdón puede tener en las vidas de las víctimas de delitos graves, como el terrorismo, determina que este tema debe ser discutido en un intento de lograr los resultados más restaurativos en cualquier situación. Las principales filosofías del perdón, la ausencia de presión de perdonar y de las consecuencias del perdón interpersonal en la reconciliación social son algunas de las cuestiones a abordar.
Full Text Available Evolution-minded researchers posit that the suite of human cognitive adaptations may include forgiveness systems. According to these researchers, forgiveness systems regulate interpersonal motivation toward a transgressor in the wake of harm by weighing multiple factors that influence both the potential gains of future interaction with the transgressor and the likelihood of future harm. Although behavioral research generally supports this evolutionary model of forgiveness, the model’s claims have not been examined with available neuroscience specifically in mind, nor has recent neuroscientific research on forgiveness generally considered the evolutionary literature. The current review aims to help bridge this gap by using evolutionary psychology and cognitive neuroscience to mutually inform and interrogate one another. We briefly summarize the evolutionary research on forgiveness, then review recent neuroscientific findings on forgiveness in light of the evolutionary model. We emphasize neuroscientific research that links desire for vengeance to reward-based areas of the brain, that singles out prefrontal areas likely associated with inhibition of vengeful feelings, and that correlates the activity of a theory-of-mind network with assessments of the intentions and blameworthiness of those who commit harm. In addition, we identify gaps in the existing neuroscientific literature, and propose future research directions that might address them, at least in part.
Fincham, Frank D; May, Ross W
The majority of the world population profess religious/spiritual beliefs and prayer is a form of spiritual activity common across numerous religious/spiritual belief systems. Three studies therefore examined the role of prayer in romantic relationships. Study 1 (n = 91) showed that prayer for a dating partner predicted lower aggressive tendencies and greater forgiveness of partner transgressions, independently of relationship closeness. Study 2 (n = 89 married couples) is among the first to examine the prayer-forgiveness association using dyadic data. Controlling for relationship satisfaction in the actor-partner interdependence model, prayer for the spouse predicted own forgiveness but not partner's reports of their own forgiveness. To obviate the problem of obtaining all the data from the same reporter, Study 3 (n = 91 married couples) used partner reports of the spouse's forgiveness in an actor-partner interdependence model analysis. Controlling for religiosity, the results showed that prayer for the partner predicted partner reports of the prayer's forgiveness. The implications of these results are then discussed. (PsycINFO Database Record (c) 2017 APA, all rights reserved).
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
Powars, David S.; Catchings, Rufus D.; Horton, J. Wright; Schindler, J. Stephen; Pavich, Milan J.
The Stafford fault system, located in the mid-Atlantic coastal plain of the eastern United States, provides the most complete record of fault movement during the past ~120 m.y. across the Virginia, Washington, District of Columbia (D.C.), and Maryland region, including displacement of Pleistocene terrace gravels. The Stafford fault system is close to and aligned with the Piedmont Spotsylvania and Long Branch fault zones. The dominant southwest-northeast trend of strong shaking from the 23 August 2011, moment magnitude Mw 5.8 Mineral, Virginia, earthquake is consistent with the connectivity of these faults, as seismic energy appears to have traveled along the documented and proposed extensions of the Stafford fault system into the Washington, D.C., area. Some other faults documented in the nearby coastal plain are clearly rooted in crystalline basement faults, especially along terrane boundaries. These coastal plain faults are commonly assumed to have undergone relatively uniform movement through time, with average slip rates from 0.3 to 1.5 m/m.y. However, there were higher rates during the Paleocene–early Eocene and the Pliocene (4.4–27.4 m/m.y), suggesting that slip occurred primarily during large earthquakes. Further investigation of the Stafford fault system is needed to understand potential earthquake hazards for the Virginia, Maryland, and Washington, D.C., area. The combined Stafford fault system and aligned Piedmont faults are ~180 km long, so if the combined fault system ruptured in a single event, it would result in a significantly larger magnitude earthquake than the Mineral earthquake. Many structures most strongly affected during the Mineral earthquake are along or near the Stafford fault system and its proposed northeastward extension.
Full Text Available The purpose of this study is to examine the relationship between mobbing and forgiveness. The participants of the existing research were 436 teachers from Sakarya, Turkey. Their ages ranged from 26 to 55 years and the mean age of the participants was 34 years. In this study, the Mobbing Scale and Heartland Forgiveness Scale were used. The relationships between mobbing and forgiveness were examined using correlation analysis and the hypothesis model was tested through structural equation modeling. Data were analyzed by LISREL 8.54 and SPSS 17. After the analysis, it was seen that forgiveness explains the variance amounting 10 % in mobbing. Also, it was found out that there is a negative and statistically meaningful relationships between forgiveness (Forgiveness of others, Forgiveness of self, Forgiveness of situation and mobbing (Humiliation, Discrimination, Sexual Harassment, Communication Barriers. In conclusion, these results were discussed according to previous studies.
Christensen, Katherine J.; Padilla-Walker, Laura M.; Busby, Dean M.; Hardy, Sam A.; Day, Randal D.
This study examined how mother and father-child relationship quality and marital forgiveness were related to early adolescents' forgiveness of mothers and fathers. Adolescents' social-cognitive skills (empathy and emotional regulation) and parents' forgiveness of child were examined as mediators. Mother, father, and child self-reported…
Ji, Mingxia; Hui, Eadaoin; Fu, Hong; Watkins, David; Tao, Linjin; Lo, Sing Kai
The understanding and application of forgiveness varies across cultures. The current study aimed to examine the effect of a culture-adaptive Forgiveness Intervention on forgiveness attitude, self-esteem, empathy and anxiety of Mainland Chinese college students. Thirty-six participants were randomly allocated to either experimental groups or a…
van der Walt, Johannes; de Muynck, Bram; Broer, Nico; Wolhuter, Charl; Potgieter, Ferdinand
Individuals and communities occasionally need asking and giving forgiveness. Because the process of forgiving is not always well understood, it has become necessary to consider including forgiveness education in school pedagogy and in formal school programs such as Citizenship Education. This possibility is illustrated with examples from South…
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
Gordon, K C; Baucom, D H
Forgiveness is an issue that is problematic for many couples, particularly those in marital therapy. However, little attention has been paid to this construct in the psychological literature. The purpose of this article is to describe a synthesized model of forgiveness using constructs from multiple theories, including forgiveness, trauma recovery, cognitive-behavioral, family systems, and insight-oriented theories. Forgiveness is conceptualized as a process consisting of three stages, each of which has cognitive, behavioral, and affective components. Furthermore, these stages seem to parallel a person's natural response to traumatic stress. First, there is a response to the initial impact; second, there is an attempt to give the event some kind of meaning, or put it into context; and finally, the person begins to move forward and readjust. Forgiveness is conceptualized as attaining: (a) a realistic, nondistorted, balanced view of the relationship; (b) a release from being controlled by negative affect toward the participating partner; and (c) a lessened desire to punish the participating partner. Implications for marital therapy also are discussed.
Officials Say Swine Flu Vaccine is Coming, CQ HOMELAND SECURITY, July 9, 2009 (quoting DHS Secretary Janet Napolitano as observing that “the [Stafford...not ready for avian flu outbreak, KANSAS CITY STAR, Dec. 13, 2005, at 1; Sabin Russell, Statewide flu plan ready for public input, SAN FRANCISCO
Marsh, Stephen; Briggs, Pamela
The study of trust has advanced tremendously in recent years, to the extent that the goal of a more unified formalisation of the concept is becoming feasible. To that end, we have begun to examine the closely related concepts of regret and forgiveness and their relationship to trust and its siblings. The resultant formalisation allows computational tractability in, for instance, artificial agents. Moreover, regret and forgiveness, when allied to trust, are very powerful tools in the Ambient Intelligence (AmI) security area, especially where Human Computer Interaction and concrete human understanding are key. This paper introduces the concepts of regret and forgiveness, exploring them from social psychological as well as a computational viewpoint, and presents an extension to Marsh's original trust formalisation that takes them into account. It discusses and explores work in the AmI environment, and further potential applications.
Levenson, Michael R; Aldwin, Carolyn M; Yancura, Loriena
We evaluated the efficacy of an emotional education program that seeks to reduce the intergenerational transmission of negative interaction patterns by increasing forgiveness and spirituality. We examined both reduction of psychological symptoms and increase in positive psychological outcomes over the course of a year, as well as the mediators of this change. At baseline, the sample consisted of 99 participants and 47 waiting list controls. Comparisons of scores from baseline (Time 1) to one week after the Hoffman Quadrinity Process (Time 2) showed large declines in negative affect (depressive symptoms) and increases in both positive outcomes (mastery, empathy, emotional intelligence, life satisfaction, forgiveness, and spiritual experience) and health and well-being. Over the course of a year, most of these gains were sustained, in comparison with the control group. Further, increases in forgiveness and spirituality mediated the effect of program participation on depressive symptoms.
Martinez-Vaquero, Luis A; Han, The Anh; Pereira, Luís Moniz; Lenaerts, Tom
Making agreements on how to behave has been shown to be an evolutionarily viable strategy in one-shot social dilemmas. However, in many situations agreements aim to establish long-term mutually beneficial interactions. Our analytical and numerical results reveal for the first time under which conditions revenge, apology and forgiveness can evolve and deal with mistakes within ongoing agreements in the context of the Iterated Prisoners Dilemma. We show that, when the agreement fails, participants prefer to take revenge by defecting in the subsisting encounters. Incorporating costly apology and forgiveness reveals that, even when mistakes are frequent, there exists a sincerity threshold for which mistakes will not lead to the destruction of the agreement, inducing even higher levels of cooperation. In short, even when to err is human, revenge, apology and forgiveness are evolutionarily viable strategies which play an important role in inducing cooperation in repeated dilemmas.
van Rensburg, Estie Janse; Raubenheimer, Jacques
The link between both bullying and victimisation and psychopathology has been well established. Forgiveness has been associated with better mental health. However, few studies have examined the relationship between adolescent forgiveness, psychopathology and bullying/victimisation. This study investigated forgiveness as a mediator of the adverse mental health problems experienced by bullies and victims of bullying. Participants were 355 Year 10 or Year 11 pupils (age = 14.9 years) from two British secondary schools in 2007, who completed self-administered measures on bullying and victimisation, mental health, forgiveness of self and others, and forgivingness. The mediating influence of forgiveness on the impact of bullying/victimisation on mental health was tested with a structural equation model. Data from 55.6% of the 639 eligible pupils were analysed. Results confirmed an association between bullying/victimisation, forgiveness and psychopathology. Forgiveness scores were found to play a mediating role between bullying/victimisation and psychopathology. Victimised adolescents who were better able to forgive themselves were more likely to report lower levels of psychopathology, while bullying adolescents who were unable to forgive others were more likely to report higher levels of psychopathology. This suggests a greater role for forgiveness within future research, intervention and policy on bullying. Forgiveness can form a valuable part of preventative and educational anti-bullying programmes.
Wenzel, Michael; Okimoto, Tyler G
This research investigates whether, following a wrongdoing, the restoration of justice promotes forgiveness. Three studies - one correlational recall study and two experimental scenario studies - provide evidence that while a restored sense of justice is overall positively related to forgiveness, forgiveness is highly dependent on the means of justice restoration being retributive (punitive) versus restorative (consensus-seeking) in nature. The findings showed that, overall, restorative but not retributive responses led to greater forgiveness. Although both retributive and restorative responses appeared to increase forgiveness indirectly through increased feelings of justice, for retributive responses these effects were counteracted by direct effects on forgiveness. Moreover, the experimental evidence showed that, while feelings of justice derived from restorative responses were positively related to forgiveness, feelings of justice derived from retributive responses were not. © 2013 The British Psychological Society.
Andrés Fernando López Pell
Full Text Available This work presents different aspects that have been related to the aptitude to forgive, emphasizing its importance for the psychotherapeutic practice in order to promote an increase of such capacity. Existing empirical evidence tends to relate forgiveness to emotional, physical and psychological well-being of the persons, and shows that the way of providing sense to the experiences influences the process of forgiveness. An alternative to increase the aptitude to forgive is proposed and results of an experimental study with 60 patients demonstrate the psychotherapeutic effects of stimulating positive connotation in the increase of forgiveness. The independent variable was the type of psychotherapeutic approach applied and the dependant variables were measured with the Aptitude to Forgive Scale (CAPER that evaluates the general predisposition of a subject to forgive, across four independent constructs: a Self, b Others, c Situation, and d Beliefs.
E. L. Nosenko
Results. The research has shown that the individuals with high level of willingness to forgive demonstrate lower frequency of resorting to the emotion-focused coping in comparison with the individuals characterized as unforgiving, lower proneness to self-handicapping as well as the lower tendency to avoidance. Conclusion. The research ﬁndings have conﬁrmed the hypothesis about the existence of the statistically signiﬁcant differences between the individuals with different levels of willingness to forgive in the efﬁcacy of coping (both reactive and proactive.
Schulte, E.-M.; Lehmann-Willenbrock, N.K.; Kauffeld, S.
Purpose: This paper aims to examine the effects of age on counteractive team meeting behaviors (e.g. complaining). Forgiveness is included as a potential buffer against these behaviors. A multilevel model is developed to test individual and team level age effects. Design/methodology/approach: A
Sezgin, Ferudun; Erdogan, Onur
This study explores the predictive influence of teachers' humility and forgiveness on their self-efficacy perceptions. The population of this research consists of teachers who work at public primary and secondary schools located in the central districts of Ankara, Turkey. The sample of the study is composed of 303 primary and secondary school…
In this paper I explore the concept of forgiveness as a response to gross human rights violations. I present a conceptual examination of the effects of massive trauma in relation to what I refer to as the 'unfinished business' of trauma. Using a psychoanalytic framework, I consider the process of 'bearing witness' about trauma and examine how this process opens up the possibility of reciprocal expressions of empathy between victim and perpetrator. I then argue that, in this context of trauma testimony and witnessing, empathy is essential for the development of remorse on the part of perpetrators, and of forgiveness on the part of victims. Using a case study from South Africa's Truth and Reconciliation Commission (TRC) I clarify the relationship between empathy and forgiveness, and show how the restorative model of the TRC can open up an ethical space and create the possibility of transformation for victims, perpetrators and bystanders. In my conclusion I suggest that forgiveness in politics is the only action that holds promise for the repair of brokenness in post-conflict societies, particularly if, as in South Africa, victims have to live together with perpetrators and beneficiaries in the same country.
Safaria, Triantoro; Tentama, Fatwa; Suyono, Hadi
Cyberbullying has been commonplace practice among Indonesian teenagers engaging in on-line space. However, this phenomenon has not been extensively researched in the context of Indonesia. This present study aims to examine the extent to which level of forgiveness contribute to varying degrees of cyberbullying. It is a quantitative in which the…
Explores Soren Kierkegaard's notion of punishment, which should interest educators because it provides a way to avoid the pitfalls of unjust punishment by viewing it in conjunction with the implications of guilt and forgiveness. The paper notes the need to question the notion of punishment closely and seek to understand its implications. (SM)
... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...
Ran, Yaxuan; Wei, Haiying; Li, Qing
Three studies examine an emotion fit effect in the crisis communication, namely, the interaction between emotional frames of guilt and shame and consumer emotions of anger and fear on consumer forgiveness. Guilt-framing communication results in higher forgiveness than shame-framing for angry consumers, whereas shame-framing communication results in higher forgiveness than guilt-framing for fearful consumers. These effects are driven by consumers' accessible regulatory foci associated with anger/fear and guilt/shame. Specifically, feelings of anger activate a promotion focus that is represented by guilt frames, while feelings of fear activate a prevention focus that is enacted by shame frames. Compared with emotion non-fit (i.e., anger to shame and fear to guilt), emotion fit (i.e., anger to guilt and fear to shame) facilitates greater feeling-right and consumer forgiveness. The findings offer novel insights for extant literature on emotion, crisis communication, and regulatory focus theory, as well as practical suggestions regarding the emotional frames.
Ran, Yaxuan; Wei, Haiying; Li, Qing
Three studies examine an emotion fit effect in the crisis communication, namely, the interaction between emotional frames of guilt and shame and consumer emotions of anger and fear on consumer forgiveness. Guilt-framing communication results in higher forgiveness than shame-framing for angry consumers, whereas shame-framing communication results in higher forgiveness than guilt-framing for fearful consumers. These effects are driven by consumers’ accessible regulatory foci associated with anger/fear and guilt/shame. Specifically, feelings of anger activate a promotion focus that is represented by guilt frames, while feelings of fear activate a prevention focus that is enacted by shame frames. Compared with emotion non-fit (i.e., anger to shame and fear to guilt), emotion fit (i.e., anger to guilt and fear to shame) facilitates greater feeling-right and consumer forgiveness. The findings offer novel insights for extant literature on emotion, crisis communication, and regulatory focus theory, as well as practical suggestions regarding the emotional frames. PMID:27895612
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.
Toussaint, Loren; Shields, Grant S; Dorn, Gabriel; Slavich, George M
To examine risk and resilience factors that affect health, lifetime stress exposure histories, dispositional forgiveness levels, and mental and physical health were assessed in 148 young adults. Greater lifetime stress severity and lower levels of forgiveness each uniquely predicted worse mental and physical health. Analyses also revealed a graded Stress × Forgiveness interaction effect, wherein associations between stress and mental health were weaker for persons exhibiting more forgiveness. These data are the first to elucidate the interactive effects of cumulative stress severity and forgiveness on health, and suggest that developing a more forgiving coping style may help minimize stress-related disorders. © The Author(s) 2014.
Allan, Alfred; Allan, Maria M; Kaminer, Debra; Stein, Dan J
Forgiving may lead to an improvement of mental health, and from a therapeutic jurisprudence perspective it is important to establish what aspects of judicial procedures can be changed to promote forgiving. The literature suggests that receiving an apology may encourage forgiving. However, there is a dearth of empirical research regarding the association between forgiving and apology in judicial settings. This paper reports the findings of a study that examined the association between forgiving and four restorative situations (i.e. excuse, admission of guilt, apology, and true sorriness) in a group of 134 victims of gross human rights violations who were actual or potential participants in the proceedings of the South African Truth and Reconciliation Commission. The best predictors of forgiveness in this sample were gender and whether victims perceived wrongdoers to be truly sorry. Copyright (c) 2006 John Wiley & Sons, Ltd.
Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...
Full Text Available The aim of the present study is to examine the mediating effect of social safeness on the relationship between forgiveness and life satisfaction. Participants were 311 university students who completed a questionnaire package that included the Trait Forgiveness Scale, the Social Safeness and Pleasure Scale, and the Life Satisfaction Scale. According to the results, social safeness and life satisfaction were predicted positively by forgiveness. On the other hand, life satisfaction was predicted positively by social safeness. In addition, social safeness mediated on the relationship between forgiveness and life satisfaction. The results were discussed in the light of the related literature and dependent recommendations to the area were given.
Federal Student Aid, US Department of Education, 2014
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…
Knafle, June D.; Wescott, Alice Legenza
Fifth Graders (N=626) from public, Catholic, Christian, and home schools reacted to values of forgiveness versus retribution in the two main versions of "Cinderella" by choosing which ending they preferred for themselves, for a 4-year old sister, and for a 4-year old brother. Girls preferred the forgiveness ending for themselves…
Fehr, Ryan; Gelfand, Michele J.; Nag, Monisha
Forgiveness has received widespread attention among psychologists from social, personality, clinical, developmental, and organizational perspectives alike. Despite great progress, the forgiveness literature has witnessed few attempts at empirical integration. Toward this end, we meta-analyze results from 175 studies and 26,006 participants to…
Karremans, J.C.T.M.; van Lange, P.A.M.; Ouwerkerk, J.W.; Kluwer, E.S.
The present research addresses the question of when and why forgiving might enhance psychological well-being. The authors predict that forgiving is associated with enhanced well-being but that this association should be more pronounced in relationships of strong rather than weak commitment. This
Full Text Available Forgiveness has been examined in the science of psychology and its sub-departments like psychology of religion with the focus on the interrelations between personality, attachment, health, religiosity, and so on. In this article, forgiveness has been investigated in the context of its relation with religiosity and life satisfaction. The main aim of the study is to delineate the role of religiosity on forgiveness and life satisfaction. Furthermore, the relationship between forgiveness and demographics (gender and age and the effect of cultural differences on forgiveness have also been investigated in this study. A further goal of this paper will be to describe the effect of forgiveness on life satisfaction. In order to discern the abovementioned goals, the Interpersonal Forgiveness Scale and Life Satisfaction Scale were applied to a sample of 295 students from Yarmouk University in Irbid, Jordan, and Marmara University in Istanbul, Turkey. According to the findings, female students had higher means in “vengeance,” a sub-department of forgiveness, than male students. Female students were more likely to be satisfied with life than male students.
Ysseldyk, Renate; Matheson, Kimberly; Anisman, Hymie
The present investigation assessed the mediating role of appraisal-coping processes in the relation between forgiveness and depressive symptoms associated with intimate relationship conflicts. Study 1 assessed the role of forgiveness in the context of a severe relationship stressor, namely women experiencing dating abuse, along with the appraisal-coping responses and depressive symptoms associated with such a stressor. Study 2 evaluated the function served by forgiveness among men and women in response to non-abusive relationship stressors, including the dissolution of the relationship, and also assessed the relations among forgiveness, appraisal-coping processes, and depressive symptoms. Women who encountered dating abuse were less likely to forgive their partners, and this was linked to higher levels of depressive symptoms. The relation between forgiveness and lower depressive symptoms was partially mediated by lower threat appraisals, secondary appraisals of the effectiveness of emotion-focused coping, and the reduced endorsements of this coping strategy (Study 1). Appraisal-coping processes similarly mediated the relation between forgiveness and depressive symptoms among men and women reporting conflict in an ongoing (non-abusive) relationship or a relationship break-up (Study 2). It is suggested that the relation between forgiveness and diminished distress operates primarily by guiding individuals' appraisals of the conflict and by diminishing the reliance on emotion-focused coping.
The purpose of this research is to examine the relationships between humility and forgiveness. The participants were 346 university students. The Heartland Forgiveness Scale and Humility Scale were used as measures. Humility has four dimensions; openness, self-forgetfulness, modest self-assessment, focus on others. The relationships between…
Uysal, Recep; Satici, Seydi Ahmet
The primary goal of the current study was to investigate the mediator and moderator effects of subjective happiness on the relationship between forgiveness and vengeance in Turkish university students. A questionnaire containing the Turkish version of Vengeance Scale, Subjective Happiness Scale, and Forgiveness Scale were completed by 298…
Abid, Momina; Sultan, Sarwat
Mental health includes several components of living a healthy life such as one's ability to enjoy life and to cope with stresses. Forgiveness is also one path to mental health. Present study aimed to investigate the predictive relationship of dispositional forgiveness with psychological resilience and to explore the role of marital status in…
Nguyen, Jannett; Song, Eingun; Liu, Michael A; Lee, Patrick K; Truong, Sam
Dermatology departments in the United States face difficulties in recruiting dermatologists to academic positions, raising concerns for the future of dermatology education and research. This preliminary study aimed to explore the impact of student loan burden on career plans in dermatology and to determine if the Public Service Loan Forgiveness (PSLF) program can be used as a recruitment tool for academic positions in dermatology. Results from this electronic survey, which was distributed to dermatology residents and attending physicians, revealed that debt burden may influence career decisions in dermatology. Dermatologists may not be fully educated on loan repayment options. With increased awareness, the PSLF can potentially be used as a recruitment tool for academic positions in dermatology.
Full Text Available This study is focused on forgiveness notion, which is mainly related to the rel igion but has significant effects on organizational level. The frequency of the forgiveness studies on the organization and administration level in the Christian culture is more striking than the Muslim culture. But the rational aspect of this notion is addressed rather than the emotional and religious aspects and its personal and organizational effects are explained. The forgiveness notion which is found to be a feature of both transformationa l and servantleadership in the literature, the things to do to use it as an intervention agent on the organizational level are explained. In this study it is suggested that the reasons why forgiveness is not widely used in practice despite being one of the important element of our culture and qualitative and quantitative research on the use of forgiveness as a culture and intervention agent should be done.
Gassin, Elizabeth A; Lengel, Gregory J
Clarity about the utility of continuing bonds (CB) continues to be evasive in the research. In 2 different correlational studies, the authors explored the relationship between CB and 2 other variables: 1 representing mental health (forgiveness of the deceased) and the other representing psychological distress (prolonged grief). Although researchers have addressed the latter relationship in the literature, assessing the relationship between CB and forgiveness has not been undertaken. Results suggest that forgiveness in general, and affective aspects of forgiveness in particular, predict psychological forms of CB. Results related to grief depended on how CB was assessed. These findings provide evidence of the relative health of certain types of relationship with deceased persons and also suggest that forgiveness interventions may be a way of promoting such healthy bonds.
Pierro, Antonio; Pica, Gennaro; Giannini, Anna Maria; Higgins, E Tory; Kruglanski, Arie W
The present research addresses the question of whether regulatory-mode orientations affect self-forgiveness. We expected that people with a strong locomotion orientation would be more inclined to self-forgiveness because of their tendencies toward movement and change, which focus them on the future, whereas people with a strong assessment orientation would refrain from self-forgiveness due to their evaluative tendencies which focus them on the past. These hypotheses were supported by the results in four studies that tested the relation between regulatory modes and self-forgiveness by measuring (Studies 1, 3 and 4) and manipulating (Study 2) regulatory-mode-orientations. Finally, in Study 4 we examined more closely our hypothesis that the relation between self-forgiveness and regulatory modes is mediated by past and future temporal foci. The implications of the results for regulatory mode theory are also discussed.
Full Text Available The paper describes the question of forgiveness and its importance in the process of the integral development of the human person. After earlier perceiving and accepting these anthropological premises, we can think of forgiveness as a necessity. The foundations of such thinking are two basic premises. The first of these is the belief in the inevitability of mistakes, therefore, potentially blaming other people. These faults and, on the other hand, harm suffered, disrupt proper interpersonal relationships, and returning to them is possible only through the act of forgiveness. The second premise is the natural need for justice, which is the realization of the naturally desired good by man. The forgiveness should be included into everyone's agenda and be presented as an imperative whose implementation is a condition of one's development, and the initial condition for order in a social environment.
Toussaint, Loren L; Shields, Grant S; Slavich, George M
Psychological stress is a well-known risk factor for poor health, and recent research has suggested that the emotion-focused coping process of forgiveness may help mitigate these effects. To date, however, no studies have examined how levels of forgiveness, stress, and health fluctuate and interrelate over time. We addressed this issue by examining how forgiveness, stress, and mental and physical health symptoms change and relate to one another over 5 weeks. We hypothesized that increases in state levels of forgiveness would be associated with decreases in perceptions of stress, which would in turn be related to decreases in mental and physical health symptoms. A reverse effects model was also tested. We recruited a large, community-based sample of 332 young, middle-aged, and older adults (16-79 years old; M age = 27.9). Each week for 5 weeks, participants reported on their levels of state forgiveness, perceived stress, and mental and physical health symptoms. Levels of forgiveness, stress, and mental and physical health symptoms each showed significant change and individual variability in change over time. As hypothesized, increases in forgiveness were associated with decreases in stress, which were in turn related to decreases in mental (but not physical) health symptoms (i.e., forgiveness → stress → health). The reverse effects model (i.e., health → stress → forgiveness) provided a relatively poorer fit. This study is the first to provide prospective, longitudinal evidence showing that greater forgiveness is associated with less stress and, in turn, better mental health. Strategies for cultivating forgiveness may thus have beneficial effects on stress and health.
Full Text Available Background and Objectives: Orienting its approach based on Islamic viewpoint (Quran and Hadith, this study aimed to investigate effectiveness of forgiveness therapy, inclination to forgive, and marital adjustment in affected women who referred to counseling centers in Tehran. Methods: This study was a semi-experimental research which made use of test-retest methodology and control group. Statistical population contained women who had suffered unfaithfulness by their husbands and referred to counseling centers of Tehran in the summer 2015. A number of 30 samples were selected in purposive and convenience manners and were categorized in two test and control groups. After conduction of pretest, which applied Spanier Dyadic Adjustment Scale and Amnesty Ray et al., members of the test group attended in nine 90-minute weekly sessions of forgiveness therapy based on Islamic viewpoint. Finally, posttest was conducted on both groups with the same tool. Results: Results of multivariable analysis of covariance showed that forgiveness therapy based on Islamic viewpoint has a significant effect on increased levels of willingness to forgive and marital adjustment in women. Conclusion: The results showed that forgiveness therapy based on Islamic viewpoints could be applied in designation of therapeutic interventions.
Offenbaecher, Martin; Dezutter, Jessie; Kohls, Niko; Sigl, Claudia; Vallejo, Miguel A; Rivera, Javier; Bauerdorf, Felix; Schelling, Jörg; Vincent, Ann; Hirsch, Jameson K; Sirois, Fuschia M; Webb, Jon R; Toussaint, Loren L
We compared the magnitude and direction of associations between forgiveness and pain, mental and physical health, quality of life, and anger in a sample of fibromyalgia syndrome (FM) participants and healthy controls. In addition, we compared FM and controls on mean levels of these variables. A total of 173 individuals with FM and 81 controls completed this study. FM participants and controls were residents of Germany recruited with the support of the German Fibromyalgia Patient Association and several self-help groups. FM participants and controls were about 53 years of age, mostly married (70%), Christians (81%), with levels of education ranging from 9 to 13+ years. All participants completed assessments of forgiveness, pain, health, quality of life, and anger. Analyses revealed that FM participants reported higher pain and anger and poorer health and quality of life. FM participants also reported lower levels of both forgiveness of self and others. Size and direction of associations of forgiveness with pain, health, quality of life, and anger in were not significantly different between healthy individuals and individuals with FM. Forgiveness of self and others is beneficially associated with pain, health, quality of life, and anger in FM participants at levels that are of similar size and direction as in healthy controls. However, FM participants manifest lower levels of forgiveness of self and others. Therapeutic promotion of forgiveness as a psychosocial coping strategy may help patients with FM to better manage psychological and physical symptoms, thereby enhancing well-being.
Full Text Available In life, everyone goes through hurtful events caused by significant others: a deceiving friend, a betraying partner, or an unjustly blaming parent. In response to painful emotions, individuals may react with anger, hostility, and the desire for revenge. As an alternative, they may decide to forgive the wrongdoer and relinquish resentment. In the present study, we examined the brain correlates of forgiveness using functional Magnetic Resonance Imaging (fMRI. Healthy participants were induced to imagine social scenarios that described emotionally hurtful events followed by the indication to either forgive the imagined offenders, or harbor a grudge towards them. Subjects rated their imaginative skills, levels of anger, frustration and/or relief when imagining negative events as well as following forgiveness. Forgiveness was associated with positive emotional states as compared to unforgiveness. Granting forgiveness was associated with activations in a brain network involved in theory of mind, empathy and the regulation of affect through cognition, which comprised the precuneus, right inferior parietal regions and the dorsolateral prefrontal cortex. Our results uncovered the neuronal basis of reappraisal-driven forgiveness, and extend extant data on emotional regulation to the resolution of anger and resentment following negative interpersonal events.
Exline, Julie Juola; Worthington, Everett L; Hill, Peter; McCullough, Michael E
Forgiveness and related constructs (e.g., repentance, mercy, reconciliation) are ripe for study by social and personality psychologists, including those interested in justice. Current trends in social science, law, management, philosophy, and theology suggest a need to expand existing justice frameworks to incorporate alternatives or complements to retribution, including forgiveness and related processes. In this article, we raise five challenging empirical questions about forgiveness. For each question, we briefly review representative research, raise hypotheses, and suggest specific ways in which social and personality psychologists could make distinctive contributions.
McCullough, Michael E; Pedersen, Eric J; Tabak, Benjamin A; Carter, Evan C
Conflict is an inevitable component of social life, and natural selection has exerted strong effects on many organisms to facilitate victory in conflict and to deter conspecifics from imposing harms upon them. Like many species, humans likely possess cognitive systems whose function is to motivate revenge as a means of deterring individuals who have harmed them from harming them again in the future. However, many social relationships often retain value even after conflicts have occurred between interactants, so natural selection has very likely also endowed humans with cognitive systems whose function is to motivate reconciliation with transgressors whom they perceive as valuable and nonthreatening, notwithstanding their harmful prior actions. In a longitudinal study with 337 participants who had recently been harmed by a relationship partner, we found that conciliatory gestures (e.g., apologies, offers of compensation) were associated with increases in victims' perceptions of their transgressors' relationship value and reductions in perceptions of their transgressors' exploitation risk. In addition, conciliatory gestures appeared to accelerate forgiveness and reduce reactive anger via their intermediate effects on relationship value and exploitation risk. These results strongly suggest that conciliatory gestures facilitate forgiveness and reduce anger by modifying victims' perceptions of their transgressors' value as relationship partners and likelihood of recidivism.
Weinberg, Michael; Gil, Sharon; Gilbar, Ora
The study examined the tendency to forgive (self, others, and situations) and coping strategies (problem-focused, emotion-focused, and avoidance) among terror attack victims as associated with posttraumatic stress disorder (PTSD) symptom severity. The sample included 108 terror victims who had been injured in terror attacks (mean age 46.23, standard deviation = 11.61; 58.3% male). Participants agreed to undergo assessments of their PTSD symptoms, coping strategies, and tendency to forgive. A nested structural equation model design showed that tendency to forgive is positively associated with problem-focused coping and negatively associated with avoidance coping. Additionally, tendency to forgive and problem-focused coping are associated with decreased PTSD symptom severity, whereas emotion-focused coping is associated with elevated PTSD symptom severity. Tendency to forgive and coping strategies are significantly associated with each other and with severity of PTSD symptoms among individuals injured in terror attacks. Theoretical and clinical implications of the findings are discussed. © 2013 Wiley Periodicals, Inc.
Social and behavioral scientists have shown a growing interest in the study of virtues due, in part, to the influence of positive psychology. The underlying premise in this research is that adopting key virtues promotes a better quality of life. Consistent with this orientation, the purpose of this study is to assess the relationship between humility and self-forgiveness over time. The analyses are organized around three issues. First, it is proposed that older Blacks will be more humble than older Whites and older Blacks will be more likely to forgive themselves than older Whites. Second, it is hypothesized that, over time, more humble older people are more likely to forgive themselves than individuals who are less humble. Third, it is proposed that greater involvement in religion is associated with greater humility and greater self-forgiveness. Data from a nationwide longitudinal survey of older adults provides support for all these hypotheses. Copyright © 2015 Elsevier Ltd. All rights reserved.
Luchies, Laura B; Finkel, Eli J; McNulty, James K; Kumashiro, Madoka
We build on principles from interdependence theory and evolutionary psychology to propose that forgiving bolsters one's self-respect and self-concept clarity if the perpetrator has acted in a manner that signals that the victim will be safe and valued in a continued relationship with the perpetrator but that forgiving diminishes one's self-respect and self-concept clarity if the perpetrator has not. Study 1 employed a longitudinal design to demonstrate that the association of marital forgiveness with trajectories of self-respect over the first 5 years of marriage depends on the spouse's dispositional tendency to indicate that the partner will be safe and valued (i.e., agreeableness). Studies 2 and 3 employed experimental procedures to demonstrate that the effects of forgiveness on self-respect and self-concept clarity depend on the perpetrator's event-specific indication that the victim will be safe and valued (i.e., amends). Study 4 employed a longitudinal design to demonstrate that the association of forgiveness with subsequent self-respect and self-concept clarity similarly depends on the extent to which the perpetrator has made amends. These studies reveal that, under some circumstances, forgiveness negatively impacts the self. 2010 APA, all rights reserved
Whited, Matthew C; Wheat, Amanda L; Larkin, Kevin T
To investigate the relation between forgiveness and apology as they relate to cardiovascular reactivity and recovery, 29 men and 50 women were exposed to an interpersonal transgression (i.e., verbal harassment) while performing a serial subtraction task. Participants were categorized into high and low forgiveness groups based on scores on the forgiving personality scale. Following the task, approximately half of the participants received an apology from the experimenter for his/her comments during the task. Although no group differences in cardiovascular reactivity were observed during the serial subtraction task, persons high in forgiveness displayed more rapid diastolic and mean arterial blood pressure recovery than persons low in forgiveness. In response to the apology, participants displayed greater high frequency heart rate variability recovery compared to those who did not receive an apology. A significant apology x sex interaction was observed for diastolic blood pressure and mean arterial blood pressure. Women who received an apology exhibited faster recovery from the transgression than women who did not receive an apology. In contrast, men who received an apology exhibited delayed recovery from the transgression compared to men who did not receive an apology. These results indicate that there are potentially healthful benefits to forgiveness and apology, but the relation is influenced by situation and by sex.
Federal Student Aid, US Department of Education, 2010
This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…
Peter, J.; Valkenburg, P.M.
The use of "forgiving" introductions is generally recommended for survey questions about sensitive behavior. However, research results on the effectiveness of this technique are inconsistent. This study tested whether the effectiveness of forgiving introductions depends on individual differences in
van Laarhoven, Hanneke W. M.; Schilderman, Johannes; Verhagen, Constans A. H. H. V. M.; Prins, Judith B.
: Attitudes toward guilt and forgiveness may be important factors determining distress in cancer patients. Direct comparative studies in patients with different life expectancies exploring attitudes toward guilt and forgiveness are lacking. Also, sociodemographic and religious characteristics
Wang, Marian; Supiano, Beckie; Fuller, Andrea
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…
The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.
Objective: The research was aimed at exploring the relationship between personality and forgiveness in college students. Methods: A total of 335 subjects completed Trait Forgivingness Scale (TFS) and the Seven-Factor Chinese Personality Scale (QZPS-SF), and then 196 subjects were divided into two groups, of which the high-forgiveness group included the top 27％ according to the scale total score, and the low-forgiveness group included the bottom 27％. Results:The high-forgiveness group got significantly higher scores in all seven personality traits than the low-forgiveness group.Stepwise regression analysis showed that Human relations, kindness, emotionality and extraversion could predict forgiveness positively. Conclusion: Personality traits could predict forgiveness significantly.%目的:考查大学生宽恕性与大七人格维度之间的关系.方法:本研究选取335名大学生,对宽恕性特质问卷和中国人人格七因素量表((QZPS-SF)进行评定,根据大学生在宽恕性特质问卷上的总分排序.取上27%人群为高宽恕性组,取下27%人群为低宽恕性组.结果:高宽恕组在中国人人格七因素量表的七个维度上的得分均显著高于低宽恕组.从回归分析来看,人际关系、善良、情绪性以及外向性四个人格维度可以显著预测个体的宽恕性水平.结论:"大七"人格维度可以有效预测个体的宽恕性水平.
Akhtar, Sadaf; Dolan, Alan; Barlow, Jane
Over the last 20 years, increasing attention has been given to associations between dispositional forgiveness and specific mental health problems. However, few studies have assessed whether forgiving real-life interpersonal hurts may be related to diverse psychological health outcomes. The present study addresses this gap by investigating, in depth, relationships between perceptions about state forgiveness and a variety of mental wellbeing outcomes as well as exploring perceptions about the factors that may modify such effects. Developing an understanding of a forgiveness wellbeing relationship is of relevance to healthcare workers, researchers and policy makers with an interest in improving public health. In-depth semi-structured interviews were conducted, and data were analysed using grounded theory methods. From England and Ireland, eleven adults who were affiliated with religious/spiritual and secular/atheist groups were recruited using purposive and convenience sampling methods. Key themes that appeared to be related to the effects of unforgiveness were: increases in negative affect; reduction in cognitive abilities and barriers to psychological and social growth. For the majority of participants, state forgiveness had strong ties to participants perceived sense of mental wellbeing, including reductions in negative affect, feeling positive emotions, positive relations with others, spiritual growth, a sense of meaning and purpose in life as well as a greater sense of empowerment. The data also revealed a number of factors that may positively or negatively influence a forgiveness-wellbeing link such as: viewing an offender as spiritually similar or different, responsibility/karma, blaming, wanting restitution/apology as well as practices such as meditation and prayer. The findings suggest that forgiving a range of real-life interpersonal offences may be an important determinant of psychological wellbeing, particularly among religious/spiritual populations
... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...
... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...
This book engages the complexity of understandings of forgiveness among Black and White South African Christians within the context of an intercultural Bible reading process. The study shows that concepts of forgiveness among South African Bible readers are diverse, containing nuanced, and even
Full Text Available Forgiveness and empathy are factors which are influential in improving the relationships between people, themselves can be affected by various factors in turn. The purpose of this research was to investigate the relationship between the styles of attachment to God and forgiveness and empathy among female students in the city of Qom. 250 students were selected from the city of Qom by cluster sampling. Three questionnaires were used: styles of attachment to God by Kirkpatrick and Rowatt, emotional empathy by Mehrabian and Epstein and forgiveness inventory by Enzeit. Pearson correlation and Regression analysis were used for data analysis. The style of secure attachment to God had a significantly positive relationship with forgiveness and empathy. Furthermore, the style of avoidant attachment to God and the style of bilateral attachment to God had a significantly negative relationship with forgiveness. In addition, the standard coefficients of all three predictive variables (Secure attachment, bilateral and avoidant to God were all significant at p=0.05. Assessment and recognition of the style of attachment to God, the students and its relation with forgiveness and empathy can have valuable implications in providing the mental health of the students. Conclusion: The findings of this research show a connection between the style of attachment to God and forgiveness and empathy, indicate the clarification of attachment to God in students' forgiveness and empathy. Based on the findings, it can be suggested that the theory of attachment to God can be used in psychotherapy.
Chan, David W.
This study investigated whether gratitude and forgiveness contribute to subjective well-being (life satisfaction, positive affect, and negative affect) above the contribution of the three orientations to happiness in a sample of 143 Hong Kong Chinese teachers. Gratitude and forgiveness correlated substantially and significantly with each other,…
Lopez-Lopez, Wilson; Pineda Marin, Claudia; Murcia Leon, Maria Camila; Perilla Garzon, Diana Carolina; Mullet, Etienne
A pilot study examined lay people's willingness to forgive acts that were committed by actors of the armed conflicts in Colombia. The participants (100 persons living in Bogota) were shown vignettes describing cases in which a member of the guerilla or a member of the former paramilitary forces asks for forgiveness to a victim's family, and were…
Pronk, T.M.; Buyukcan-Tetik, A.; Iliás, M.; Finkenauer, C.
Do partners’ levels of self-control and forgiveness change over the course of marriage? Based on the idea that marriage may function as a training ground for these vital relationship abilities, we hypothesized that people increase their levels of self-control and forgiveness over time and that these
Strang, Sabrina; Utikal, Verena; Fischbacher, Urs; Weber, Bernd; Falk, Armin
Interpersonal conflicts are a common element of many social relationships. One possible process in rebuilding social relationships is the act of apologizing. Behavioral studies have shown that apologies promote forgiveness. However, the neural bases of receiving an apology and forgiveness are still unknown. Hence, the aim of the present fMRI study was to investigate brain processes involved in receiving an apology and active forgiveness of an ambiguous offense. We asked one group of participants (player A) to make decisions, which were either positive or negative for another group of participants (player B). The intention of player A was ambiguous to player B. In case of a negative impact, participants in the role of player A could send an apology message to participants in the role of player B. Subsequently players B were asked whether they wanted to forgive player A for making a decision with negative consequences. We found that receiving an apology yielded activation in the left inferior frontal gyrus, the left middle temporal gyrus, and left angular gyrus. In line with previous research we found that forgiving judgments activated the right angular gyrus.
Toussaint, Loren; Kamble, Shanmukh; Marschall, Justin C; Duggi, Deepti B
The present study offers a cross-cultural examination of the effect of prayer on forgiveness. American (n = 51) and Indian (n = 100) participants either prayed for their romantic partner (prayer condition) or described their romantic partner's physical attributes (control condition). Prayers were self-guided and lasted 3 minutes. Pre-test and post-test measures of retaliation were completed. Results showed that participants in the prayer group showed statistically significant decreases in retaliation motives from pre-test to post-test and the magnitude of this change was not different across cultures. Control groups in both cultures showed no change. Because of the religious diversity present in the Indian sample, the robustness of the effect of prayer on forgiveness was tested across Christian, Hindu and Muslim Indians. Religious affiliation did not moderate the effect of prayer on forgiveness in this sample. Results suggest that a brief prayer is capable of producing real change in forgiveness and this change is consistent across American and Indian cultures and across three different religious groups in India. Brief prayer for others that enhances forgiveness may be useful for individuals in close relationships, in certain counselling settings and for people in many different walks of life. © 2015 International Union of Psychological Science.
Green, Michelle; Decourville, Nancy; Sadava, Stanley
Structural equation modeling was used to test a model in which positive affect, negative affect, perceived stress, and social support were hypothesized to mediate the relationship between forgiveness and mental and physical health. Six hundred and twenty-three undergraduates completed a battery of self-report measures. Results of the analyses indicated that the forgiveness-health relation was mediated by positive affect, negative affect, stress, and the interrelationship between negative affect and stress. There was limited support for social support and the interrelationship between positive affect and social support as mediators. The results suggested that the relationship between forgiveness and health is mediated rather than direct. Implications and directions for future research are discussed.
Krause, Neal; Hill, Peter C
Previous research suggests that people who feel forgiven by God may experience lower levels of death anxiety. The purpose of the current study is to contribute to this work by assessing whether the relationship between forgiveness by God and death anxiety varies according to how people view God. Three images of God are assessed: a pantheistic view of God, a theistic view of God, and a deistic view of God. Data from nationwide survey that was conducted in 2014 ( N = 2,650) suggest that the relationship between forgiveness by God and death anxiety is strongest among people with a theistic view of God, significantly weaker among people with a pantheistic view of God, and not significant among individuals with a deistic view of God. The findings point to the importance of taking views of God into account when assessing the relationship between forgiveness by God and death anxiety.
Patrick C. Carmody
Full Text Available Recent empirical findings suggest that greater belief in free will predicts positive behavioral outcomes, such as lowered aggression, decreased cheating, bettered work performance, and improved learning. To expand on this research, the current investigation re-examines the link between stronger belief in free will and pro-social behavior in the context of transgressions in interpersonal relationships. Taking into account that one’s philosophical beliefs can fluctuate in strength and across time, we conducted a daily diary survey of 85 undergraduates who reported interpersonal offenses for 14 days. Data were analyzed with a multi-level approach. We found that believing more strongly in free will was associated with greater decisional forgiveness, but was unrelated to emotional forgiveness. Higher levels of belief in scientific determinism, on the other hand, were related to greater emotional forgiveness. These relationships were not mediated by relationship attributions.
Taysi, Ebru; Curun, Ferzan; Orcan, Fatih
This study examined the mediating effects of hope, anger, and depression in the associations between forgiveness and social behavior, in fourth grade students in Turkey. The 352 fourth grade primary school students were involved in the study. The average age was 9.98 and 56.3% were boys. The Enright Forgiveness Inventory for Children (EFI-C), the Beck Anger Inventory for Youth (BANI-Y), the Children Hope Scale (CHS), the Social Behavior Questionnaire (SBQ), and the Children's Depression Inventory (CDI) were used. Results showed that depression mediates the relationship between anger and antisocial behavior and between hope and antisocial behavior. Anger mediates the relationship between hope and depression and between hope and antisocial behavior. Forgiveness was related to anger and hope directly. Implications of this study for child counseling were discussed.
Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades
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 ...
Langman, Louise; Chung, Man Cheung
Spirituality and forgiveness have been shown to be associated with psychological well-being, while guilt has been associated with poor health. Little is known, however, about the relationship between forgiveness, spirituality, guilt, posttraumatic stress (PTSD) and psychological co-morbidity among people in recovery from addiction. Eighty-one people (F = 36, M = 45) in recovery from drug and alcohol addiction were recruited from two residential units and two drop-in centres in a city in the United Kingdom. They completed the Posttraumatic Stress Diagnostic Scale (PDS), the General Health Questionnaire-28 (GHQ-28), the Spiritual Involvement and Beliefs Scale (SIBS), the Heartland Forgiveness Scale (HFS), the Traumatic Guilt Inventory (TGI), the Michigan Alcoholism Screening Test (MAST-22) and the Drug Abuse Screening Test (DAST-20). The control group comprised of 83 (F = 34, M = 49) individuals who confirmed that they did not have addiction and completed the PDS & GHQ-28. 54 % of the addiction group met the criteria for full PTSD and reported anxiety, somatic problems and depression. They described themselves as spiritual, had strong feelings of guilt associated with their addiction, and had difficulty in forgiving themselves. Controlling for demographics, number of events and medication management, regression analyses showed that spirituality predicted psychological co-morbidity, whilst feelings of guilt predicted PTSD symptoms and psychological co-morbidity. Unexpectedly, forgiveness did not predict outcomes. This study supports existing literature, which shows that people with drug and alcohol addiction tend to have experienced significant past trauma and PTSD symptoms. Their posttraumatic stress reactions and associated psychological difficulties can be better understood in the light of guilt and spirituality. Meanwhile, their ability to forgive themselves or others did not seem to influence health outcomes.
van Laarhoven, Hanneke W M; Schilderman, Johannes; Verhagen, Constans A H H V M; Prins, Judith B
: Attitudes toward guilt and forgiveness may be important factors determining distress in cancer patients. Direct comparative studies in patients with different life expectancies exploring attitudes toward guilt and forgiveness are lacking. Also, sociodemographic and religious characteristics determining the attitudes toward guilt and forgiveness are unknown. : The objective of this study was to compare attitudes toward guilt and forgiveness in cancer patients without evidence of disease and advanced cancer patients. : A descriptive research design was used. Ninety-seven patients without evidence of disease and 55 advanced cancer patients filled out the Dutch Guilt Measurement Instrument and the Forgiveness of Others Scale. : Both groups had an attitude of nonreligious guilt and forgiveness, but not of religious guilt. No significant differences in attitudes toward guilt and forgiveness were observed between the 2 groups. In contrast to sociodemographic characteristics, religious characteristics were relevant predictors for guilt and forgiveness. Significant differences in relations between images of God and attitudes toward guilt were observed between the 2 patient groups. : An attitude of nonreligious guilt and forgiveness was found in cancer patients, irrespective of the stage of disease. Religious characteristics were significantly associated with attitudes of guilt and forgiveness. This correlation differed in the early and the advanced setting of disease. : The observed relations between religious characteristics and attitudes of guilt and forgiveness suggest that a careful examination of the role of religious beliefs and values is relevant in the clinical care of patients with cancer, both in the setting of early and advanced disease.
福田, 慎一; 鯉渕, 賢
In this paper, we investigate who bears the burden when writing off bad loans in Japan. Traditionally, Japanese main banks bore large burdens in saving their customers. We still find that some main banks bear a large burden in saving their customers. However, in most cases, main banks became very reluctant to bear large burdens when bailing out their customers. In the transition from the bank-based system to a market-based system, traditional implicit rules are collapsing dramatically. We sug...
Meneses, Catalina Woldarsky; Greenberg, Leslie S
This study explored how forgiveness unfolds in the context of emotion-focused couples therapy (EFT-C) in eight cases of women betrayed by their partners. Forgiveness was defined as a process involving the reduction in negative feelings and the giving out of undeserved compassion. This was measured by changes in the pre- and posttreatment scores on the Enright Forgiveness Inventory, the Unfinished Business Resolution Scale, and a single item directly asking respondents to indicate their degree of forgiveness. A task analysis was performed to rigorously track the steps leading to forgiveness using videotapes of therapy sessions for eight couples. The performance of the four couples who forgave were compared with each other and then contrasted with the performance of another four couples who did not reach forgiveness at the end of therapy. Based on these observations, a model of the process of forgiveness in EFT-C and a process rating system were developed. © 2011 American Association for Marriage and Family Therapy.
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...
Huwaë, Sylvia; Schaafsma, Juliëtte
Recently, researchers have begun to explore people’s motives to forgive those who have offended them. Using a recall method, we examined whether such motives (relationship-, offender- or self-focused) differ between and within cultures that are more collectivistic (Moluccan Islands in Indonesia) or
Will, Geert-Jan; Crone, Eveline A; Güroğlu, Berna
This functional magnetic resonance imaging study examined the neural correlates of punishment and forgiveness of initiators of social exclusion (i.e. 'excluders'). Participants divided money in a modified Dictator Game between themselves and people who previously either included or excluded them during a virtual ball-tossing game (Cyberball). Participants selectively punished the excluders by decreasing their outcomes; even when this required participants to give up monetary rewards. Punishment of excluders was associated with increased activation in the pre-supplementary motor area (pre-SMA) and bilateral anterior insula. Costly punishment was accompanied by higher activity in the pre-SMA compared with punishment that resulted in gains or was non-costly. Refraining from punishment (i.e. forgiveness) was associated with self-reported perspective-taking and increased activation in the bilateral temporoparietal junction, dorsomedial prefrontal cortex, dorsal anterior cingulate cortex, and ventrolateral and dorsolateral prefrontal cortex. These findings show that social exclusion can result in punishment as well as forgiveness of excluders and that separable neural networks implicated in social cognition and cognitive control are recruited when people choose either to punish or to forgive those who excluded them. © The Author (2014). Published by Oxford University Press. For Permissions, please email: email@example.com.
Strelan, Peter; Acton, Collin; Patrick, Kent
This study examined the extent to which disappointment with God influenced the psychological and spiritual well-being of 160 churchgoers, and the potential mediating influences of relationship quality (spiritual maturity and relationship commitment) and dispositional forgiveness. Disappointment with God was positively related to depression and…
Gunnestad, Arve; Mørreaunet, Sissel; Onyango, Silas
This article highlights value learning in kindergartens exemplified by the value of forgiveness. Values are basic ideas on human behaviour and they function as a compass that helps children to make choices and priorities in their lives, to choose between good or bad, right or wrong. Value learning is an important part of the educational work in a…
The purpose of this study was to examine the mediating effect of gratitude in the relationship between forgiveness and life satisfaction. A convenience sample of 396 (234 (59%) females, 162 (41%) males) university students was recruited from a University in Denizli, Turkey. The participants' ages ranged between 18 and 27 years, with an average of…
Liu, Jinting; Gong, Pingyuan; Gao, Xiaoxue; Zhou, Xiaolin
Previous studies have demonstrated the contributions of genetic variants and positive psychological traits (e.g. gratitude and forgiveness) to well-being. However, little is known about how genes interact with positive traits to affect well-being. To investigate to what extent the COMT Val158Met polymorphism modulates well-being and to what extent dispositional gratitude and forgiveness mediate the individual differences in well-being, 445 participants were recruited and required to complete a battery of questionnaires. We found that individuals with a smaller number of the Met alleles reported greater well-being, less depressive symptoms, and greater tendencies for gratitude and forgiveness. Moreover, dispositional gratitude and forgiveness mediated the genotype effects on well-being and depressive symptoms. These results remained significant after controlling for non-genetic factors (socioeconomic status, religious beliefs, romantic relationship status, parenting style). The sample size limits the generalizability of results. This study demonstrates the contribution of the COMT Val158Met polymorphism to individual differences in well-being and suggests a potential psychobiological pathway from dopaminergic and noradrenergic systems to happiness. Copyright © 2017 Elsevier B.V. All rights reserved.
Batson, Mindi; Marks, Loren
This study examines meanings and processes associated with religious practices of prayer, building faith, and forgiving through in-depth, qualitative interviews with six highly religious Roman Catholic families with children. Families were interviewed using a narrative approach that asked participants to share experiences and challenges related to…
Vallade, Jessalyn I.; Malachowski, Colleen M.
Using Attribution Theory as a theoretical framework, this study explored the role of forgiveness in impacting student nonverbal responsiveness, out-of-class communication (OCC), and perceptions of cognitive and affective learning following instructor misbehavior. Additionally, the role of instructor nonverbal immediacy was examined. Participants…
Yalcin, S. Barbaros; Kavakli, Mehmet; Kesici, Sahin
Purpose: The purpose of this study is to determine whether or not the undergraduates' personality traits and self-esteem predict their forgiveness. Methods: The study was conducted using a descriptive research designed as a relational survey method. The study group consists of 323 undergraduates, of whom 250 (77.2 %) are female and 73 (22.5%) are…
Zhu, Ruida; Shen, Xueyi; Tang, Honghong; Ye, Peixia; Wang, Huagen; Mai, Xiaoqin; Liu, Chao
Most previous studies regarding self-punishment have focused on the correlation between moral emotion and self-punishment. Only a few studies have attempted to understand self-punishment from the perspective of seeking forgiveness, and no study has yet directly tested whether wrongdoers' self-punishment promotes others to forgive the wrongdoers. In three studies, the participants judged the wrongdoers' self-punishment behaviors following an unfair allocation and reported the extent to which they forgave the wrongdoers. The results demonstrated that self-punishment did promote forgiveness in both the direct (Studies 1 and 2) and indirect reciprocity (Study 3) contexts. Consistent with costly signaling theory, the costlier the self-punishment was, the stronger the effect it had on forgiveness. Moreover, communicative self-punishment had a better effect than silent self-punishment when the cost was relatively high in the direct-reciprocity studies. These findings can guide us regarding how to address a damaged relationship via self-punishment when compensation is not feasible or acceptable.
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...
Department of Education, Washington, DC.
Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…
Institute for College Access & Success, 2014
Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…
Full Text Available Background: Role of personality and some components of behaviors, traits and emotions as effective factors on coronary heart diseases (CHD were presented nearly 50 years ago with the concept of “type A” behavior, a compound of hostility, impatience, competitiveness and dominance. Later studies showed crucial role of other traits and behaviors like anger, introversion, depression and forgiveness. Objective: The aim of this study was to compare personality type and forgiveness in the patients suffering from cardiovascular diseases based on gender. Materials and method: The cross sectional study was designed and sample was collected from men and women referred to cardiologists (within the age range of 23-75 years old from the patients of Shahid Rajaee Heart Hospital of Tehran, Iran from December 2010 to March 2011. Total 87 subjects were selected using random method. The study subjects were given two questionnaires: personality type A (with two factors: TA1, pathologic behaviors of type A personality and TA2, non pathologic behaviors of type A personality and Interpersonal Forgiveness Inventory (IFI, with three subscales namely reestablishment of relationship, control of revenge and realistic perception. Data were analyzed using SPSS software. Results: Mean(±SD age of men was 50.5±11.6 years (n=33 and 55.7±14.4 years in women (n=54. Mean duration of suffering from cardiovascular diseases in men was 7.8 years and in women was 9.10 years. The study found high mean scores of type A pathologic but not non pathologic type A among women compared to men (p<0.038 and no statistically significant differences in forgiveness subscales. Conclusion: The study revealed significant difference between women and men suffering from cardiovascular disease in pathologic type A (TA1 and negative relationship between pathologic type A and forgiveness.
Aalbers, M.B.; Smith, S.J.
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,
Kent, Blake Victor; Bradshaw, Matt; Uecker, Jeremy E
We analyze a sample of older U.S. adults with religious backgrounds in order to examine the relationships among two types of divine forgiveness and three indicators of psychological well-being (PWB) as well as the moderating role of attachment to God. Results suggest that (a) feeling forgiven by God and transactional forgiveness from God are not associated with changes in PWB over time, (b) secure attachment to God at baseline is associated with increased optimism and self-esteem, (c) feeling forgiven by God and transactional forgiveness from God are more strongly associated with increased PWB among the securely attached, and (d) among the avoidantly attached, PWB is associated with consistency in one's beliefs, that is, a decreased emphasis on forgiveness from God. Findings underscore the importance of subjective beliefs about God in the lives of many older adults in the United States.
The study reported in this article examined the relationship between psychosocial functioning and tendency to forgive, social support, and posttraumatic stress disorder (PTSD) symptoms of terror survivors (N = 108). Structural equation modeling was used to examine whether PTSD symptoms mediated the association between tendency to forgive, social support, and psychosocial functioning. The findings demonstrated that the association between tendency to forgive and psychosocial functioning was mediated exclusively by PTSD symptoms, whereas the association between social support and psychosocial functioning was partially mediated by PTSD symptoms. The study reinforces the importance of addressing trauma survivors' psychosocial functioning as an emotional state associated with tendency to forgive, social support, and PTSD symptoms. In addition, the findings suggest that when treating trauma survivors, therapists should be aware of PTSD not only as an emotional consequence of trauma, but also as a mediator of numerous emotional and cognitive coping mechanisms.
Gordon, Kristina Coop; Burton, Shacunda; Porter, Laura
Recent findings indicate that college women's forgiveness of hypothetical dating violence was predictive of their hypothetical decisions to stay in the relationship. This study was designed to evaluate the role of forgiveness in women's intentions to return to their partners from a domestic violence shelter. A sample of 121 women residing in both urban and rural domestic violence shelters filled out a series of questionnaires evaluating demographic information, severity of violence, attributions for violence, psychological constraints (or investment), and forgiveness of the partner. Forgiveness was found to predict intention to return to partner over and above the other variables studied. These findings suggest that the degree to which women are willing to "move on" from the abuse and to let go of their anger toward their partners may play a significant role in their intention to remain in a relationship with their partners.
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
Mahsa Rashidi; Fatemeh Sharif Mousavi; Korosh Esmaeili
Forgiveness and empathy are factors which are influential in improving the relationships between people, themselves can be affected by various factors in turn. The purpose of this research was to investigate the relationship between the styles of attachment to God and forgiveness and empathy among female students in the city of Qom. 250 students were selected from the city of Qom by cluster sampling. Three questionnaires were used: styles of attachment to God by Kirkpatrick and Rowatt, em...
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.
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”.
Woodyatt, Lydia; Wenzel, Michael; Ferber, Matthew
Self-forgiveness is often measured as a hedonic end-state, as the presence of positive affect and the absence of negative affect towards the self following a wrongdoing. However, self-forgiveness is also referred to as a difficult process. Self-forgiveness as a process of accepting responsibility and working through one's wrongdoing is a substantially un-hedonic - it is likely to be uncomfortable and at times painful. In this study, we examine two pathways to self-forgiveness: a hedonic focused pathway (via self-compassion) and a eudaimonic pathway (via reaffirmation of transgressed values). Across two studies, the data suggest that following interpersonal transgressions, self-compassion reduces self-punitiveness and increases end-state self-forgiveness (Study 1) via a reduction in perceived stigma (Study 2). In contrast, value reaffirmation increases the process of genuine self-forgiveness and reduces defensiveness (Study 1) via increased concern for shared group values (Study 2), in turn increasing desire to reconcile (Study 1), and amend-making and end-state self-forgiveness 1 week following the intervention (Study 2). The results suggest that both pathways can lead to self-forgiveness; however, following a transgression, self-forgiveness via a eudaimonic pathway offers greater promise for meeting the needs of both offenders and victims. © 2017 The British Psychological Society.
... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available from...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...
... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...
Conejero, Susana; Etxebarria, Itziar; Montero García-Celay, Ignacio
This study, which forms part of a broader research project, analyzes gender differences in: the intensity of diverse emotions, the justification of violence, attitudes towards the terrorist group ETA, forgiveness and tolerance. Participants comprised 728 people (45.5% men and 54.5% women) resident in either Basque Country or Navarra (Spain), representative of all national identities and political ideologies existing in this context. An ad hoc questionnaire was designed and administered bet...
Hernandez, Ruben; Owyang, Michael; Ghent, Andra
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...
Dirk G. van der Merwe
Full Text Available The article attempts to investigate the possible lived experiences created by this text. The text revolves around the experience of fellowship with God (1:6, 7 who is characterised as ‘light’. For the author of 1 John, sin disrupts this fellowship. He creates an awareness and a ‘spirituality of sin and guilt’ in the lives of his readers through the use of the experiential metaphor of darkness in a dialectic combination with light and the two false negations ‘do not have sin’ (sin as a noun and ‘do not sin’ (sin as a verb. This fellowship is re-established through living in the light: the confession, forgiveness and expiation of sin. The author creates a spirituality of confession, forgiveness and expiation of sin through descriptive cultic (blood of Jesus and expiation, forensic (paraclete, atypical (cleans, expiation, paraclete and all-inclusive (all [twice], whole, anyone language. Thus, in his rhetoric, the author uses metaphor, dialectic, sacrificial, forensic, atypical and all-inclusive language to facilitate a variety of ‘lived experiences’ within his readers. Firstly, he wants them to feel guilty about their sins and consequently, after they have confessed their sins, to strengthen their faith. Secondly, he wants to encourage them to believe that they can experience the forgiveness of their sins and, by doing so, know that they have eternal life (5:13 and can experience fellowship with God and, mutually, with one another.
Robertson, Sarah M C; Swickert, Rhonda J
Researchers have been attempting to understand the variables that predict differences in autobiographical narratives, given that these differences often reveal important information about the psychological characteristics of the person providing the narrative. A sample of young adults (n = 80) and older adults (n = 80) completed a battery of self-report measures in addition to an autobiographical narrative task in which they described a negative emotional experience. These narratives were transcribed and entered into a text analysis program. Results indicated a significant three-way interaction (age × gender × forgiveness) for negative emotion words. Results also indicated two significant two-way interactions (age × forgiveness and gender × forgiveness) and one significant main effect for anger words. There were no significant findings related to anxiety or sad words. Results are discussed in the context of Socioemotional Selectivity Theory, which asserts that social and emotional goals shift throughout the lifespan such that older adults are more motivated to regulate their emotions than young adults. Clinical applications and future directions are discussed.
Schrøder, Katja; la Cour, Karen; Jørgensen, Jan Stener; Lamont, Ronald F; Hvidt, Niels Christian
When a life is lost or severely impaired during childbirth, the midwife and obstetrician involved may experience feelings of guilt in the aftermath. Through three empirical cases, the paper examines the sense of guilt in the context of the current patient safety culture in healthcare where a blame-free approach is promoted in the aftermath of adverse events. The purpose is to illustrate how healthcare professionals may experience guilt without being at fault after adverse events, and Gamlund's theory on forgiveness without blame is used as the theoretical framework for this analysis. Philosophical insight has proven to be a useful resource in dealing with psychological issues of guilt and Gamlund's view on error and forgiveness elucidates an interesting dilemma in the field of traumatic events and medical harm in healthcare, where healthcare professionals experience that well-intended actions may cause injury, harm or even death to their patients. Failing to recognise and acknowledge guilt or guilty feelings may preclude self-forgiveness, which could have a negative impact on the recovery of midwives and obstetricians after adverse events. Developing and improving support systems for healthcare professionals is a multi-factorial task, and the authors suggest that the narrow focus on medico-legal and patient safety perspectives is complemented with moral philosophical perspectives to promote non-judgemental recognition and acknowledgement of guilt and of the fallible nature of medicine. Copyright © 2017 Elsevier Ltd. All rights reserved.
... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...
... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...
... 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...
... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...
Lacroix, E M
The National Library of Medicine (NLM) initiated the System for Automated Interlibrary Loan (SAIL) pilot project to study the feasibility of using imaging technology linked to the DOCLINE system to deliver copies of journal articles. During the project, NLM converted a small number of print journal issues to electronic form, linking the captured articles to the MEDLINE citation unique identifier. DOCLINE requests for these journals that could not be filled by network libraries were routed to SAIL. Nearly 23,000 articles from sixty-four journals recently selected for indexing in Index Medicus were scanned to convert them to electronic images. During fiscal year 1992, 4,586 scanned articles were used to fill 10,444 interlibrary loan (ILL) requests, and more than half of these were used only once. Eighty percent of all the articles were not requested at all. The total cost per article delivered was $10.76, substantially more than it costs to process a photocopy request. Because conversion costs were the major component of the total SAIL cost, and most of the articles captured for the project were not requested, this model was not cost-effective. Data on SAIL journal article use was compared with all ILL requests filled by NLM for the same period. Eighty-eight percent of all articles requested from NLM were requested only once. The results of the SAIL project demonstrated that converting journal articles to electronic images and storing them in anticipation of repeated requests would not meet NLM's objective to improve interlibrary loan. PMID:8004020
Toussaint, Loren L; Marschall, Justin C; Williams, David R
The present investigation examines the prospective associations of religiousness/spirituality with depression and the extent to which various dimensions of forgiveness act as mediating mechanisms of these associations. Data are from a nationally representative sample of United States adults who were first interviewed in 1998 and reinterviewed six months later. Measures of religiousness/spirituality, forgiveness, and various sociodemographics were collected. Depression was assessed using the Composite International Diagnostic Interview administered by trained interviewers. Results showed that religiousness/spirituality, forgiveness of oneself and others, and feeling forgiven by God were associated, both cross-sectionally and longitudinally, with depressive status. After controlling for initial depressive status, only forgiveness of oneself and others remained statistically significant predictors of depression. Path analyses revealed that religiousness/spirituality conveyed protective effects, prospectively, on depression by way of an indirect path through forgiveness of others but not forgiveness of oneself. Hence, forgiveness of others acts as a mechanism of the salutary effect of religiousness/spirituality, but forgiveness of oneself is an independent predictor. Conclusions regarding the continued development of this type of research and for the treatment of clients with depression are offered.
Wohl, Michael J A; Cohen-Chen, Smadar; Halperin, Eran; Caouette, Julie; Hayes, Nicole; Hornsey, Matthew J
Although it is widely assumed that collective apologies for intergroup harms facilitate forgiveness, evidence for a strong link between the two remains elusive. In four studies we tested the proposition that the apology-forgiveness link exists, but only among people who hold an implicit belief that groups can change. In Studies 1 and 2, perceived group malleability (measured and manipulated, respectively) moderated the responses to an apology by Palestinian leadership toward Israelis: Positive responses such as forgiveness increased with greater belief in group malleability. In Study 3, university students who believed in group malleability were more forgiving of a rival university's derogatory comments in the presence (as opposed to the absence) of an apology. In Study 4, perceived perpetrator group remorse mediated the moderating effect of group malleability on the apology-forgiveness link (assessed in the context of a corporate transgression). Implications for collective apologies and movement toward reconciliation are discussed. © 2015 by the Society for Personality and Social Psychology, Inc.
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.
Norden, L.; Wagner, W.B.
This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan
Rankin, Eric D
Mourning has received considerable attention in the psychoanalytic literature. Beginning with Freud's 1917 investigation, the central role of mourning in psychical development via identification has been articulated and subsequently elaborated upon by various authors (e.g., Klein, 1940; Schafer, 2005). Forgiveness, on the other hand, has until recently received considerably less attention, perhaps because of the strong religious and moral connotations often associated with it (Lansky, 2009a). Contemporary writers exploring the psychoanalytic implications of mourning and forgiveness, however, have suggested the importance of both in normal psychical development. The purpose of this paper is to propose an integrated model of mourning and forgiveness and explore its potential role in nascent infant development.
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...
Office of Federal Student Aid (ED), Washington, DC.
This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…
... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...
... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...
... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...
... 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. ...
... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...
... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...
... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...
... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...
... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...
... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...
... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...
... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...
... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...
Full Text Available Abstract: Background and aim: Psychological well-being has been raised in the field of positive psychology and has focused on mental health from an individual's growth and efficiency angle rather than being patient. Identifying the personality building of individuals and adopting appropriate patterns is also of considerable importance. The purpose of this study was to investigate the relationship between personality traits and psychological well-being with mediation as the role of forgiveness. Methods: The present research was a descriptive and causal correlation study. The statistical population consisted of all students of Yasuj University, among which 301 students (171 girls, 130 boys were selected by multi-stage random sampling. The instruments used were Reiff Psychological Well-being Questionnaire (PVBS, NEO Personality Questionnaire (NEO and Hartland Forgiveness Questionnaire (HFS. Data were analyzed using Pearson correlation coefficient and structural equation modeling (SEM. Results: The results showed that there was a significant relationship between personality traits (extraversion = p <0.01, r = 0.32, agreement (p <0.01, r = 0.33, openness to experience (p <0.01, and conscientiousness There was a positive and significant relationship between psychological well-being and psychological well-being (r = 0.41, r = 0.41, r = 0.41, r = 0.41. Also, the results showed that the relationship between forgiveness (forgiveness R = 0.27, r = 0.27, r = 0.27, forgiveness in position (r = 0.20, r = 0.23 was positive and significant with psychological well-being. The results obtained from structural equation modeling also indicated that the path coefficient of features Personality to psychological well-being (β = 0.33 and forgiveness for psychological well-being Β = 258/0 is significant at the level of p≤0.01. Also, the results of indirect relations, the role of forgiveness mediators and the significance of these relationships have been confirmed
Full Text Available Background and Objective: Conduct disorder is characterized with aggressive behaviors, deceitfulness or theft, destruction of property and serious violations of rules, prior to age 18 years. Attachment to God is a relationship with God that reveals aspects of individual thought. Secure attachment is associated with an increased ability to forgive. Various studies indicated the association between insecure attachment and delinquency and criminal behavior. The aim of this study was to evaluate the attachment to God and forgiveness in adolescents with conduct disorder at Tehran reformatory.Materials and Methods: This study is a cross-sectional study. The attachment to God and Transgression-Related Interpersonal Motivations Scale--12-Item Form (TRIM-12, were completed by 60 adolescents between 14 -18 years old with conduct disorder, with or without substance abuse disorders, and ADHD, at Tehran reformatory. Descriptive statistics and linear regression methods was used to analyze the data in SPSS-16.Results: The results showed that anxiety and avoidant attachments to God and avoidance and revenge motivations in adolescents with conduct disorder are high. A history of addiction, criminality, and mental disorders among family members predicted increasing avoidant attachment to God among this group of adolescents in the univariate model. Also, parental divorce and attention deficit-hyperactivity variables predicted increased revenge motivation in the univariate model, and unemployed father predicted avoidance motivation, in the multivariate model.Conclusion: There is a defect in the ability to forgive in adolescents with insecure attachment and conduct disorder, there are basic requirements for the design of interventions and spiritual treatment programs specifically for this group of adolescents.
Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang
We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...
Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri
A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...
Full Text Available The testaments and epitaphs stand out among the most important sources of research of attitudes towards the death. In this article we will refer only to a sequence addressed by these sources: Christian forgiveness, a subject insufficiently researched in historiography. Christian forgiveness, one of the basic principles of Christianity, although rare, was presented in the texts of testaments and epitaphs. Testators or the authors of epitaphs addressed to the Christians their will to be forgiven the sins committed during the life. But the request for forgiveness was addressed primarily to God, before whom they should appear and answer for their deeds.
Brüne, Martin; Juckel, Georg; Enzi, Björn
Humans have evolved strong preferences for equity and fairness. Neuroimaging studies suggest that punishing unfairness is associated with the activation of a neural network comprising the anterior cingulate cortex, anterior insula, the ventral striatum, and the dorsolateral prefrontal cortex (DLPFC). Here, we report the neuronal correlates of retribution and "forgiveness" in a scenario, in which individuals first acted as a recipient in an Ultimatum Game, and subsequently assumed the position of a proposer in a Dictator Game played against the same opponents as in the Ultimatum Game. Most subjects responded in a tit-for-tat fashion, which was accompanied by activation of the ventral striatum, corroborating previous findings that punishing unfair behaviour has a rewarding connotation. Subjects distinguished between the human opponent and computer condition by activation of the ventromedial PFC in the human condition, indicative of mentalising. A substantial number of subjects did not retaliate. Neurally, this "forgiveness" behaviour was associated with the activation of the right (and to a lesser degree left) DLPFC, a region that serves as a cognitive control region and thus may be involved in inhibiting emotional responses against unfairness.
Full Text Available Humans have evolved strong preferences for equity and fairness. Neuroimaging studies suggest that punishing unfairness is associated with the activation of a neural network comprising the anterior cingulate cortex, anterior insula, the ventral striatum, and the dorsolateral prefrontal cortex (DLPFC. Here, we report the neuronal correlates of retribution and "forgiveness" in a scenario, in which individuals first acted as a recipient in an Ultimatum Game, and subsequently assumed the position of a proposer in a Dictator Game played against the same opponents as in the Ultimatum Game. Most subjects responded in a tit-for-tat fashion, which was accompanied by activation of the ventral striatum, corroborating previous findings that punishing unfair behaviour has a rewarding connotation. Subjects distinguished between the human opponent and computer condition by activation of the ventromedial PFC in the human condition, indicative of mentalising. A substantial number of subjects did not retaliate. Neurally, this "forgiveness" behaviour was associated with the activation of the right (and to a lesser degree left DLPFC, a region that serves as a cognitive control region and thus may be involved in inhibiting emotional responses against unfairness.
Yao, Shuxia; Zhao, Weihua; Cheng, Rui; Geng, Yayuan; Luo, Lizhu; Kendrick, Keith M
Although oxytocin has been shown to enhance trust behavior, to date no study has directly established whether oxytocin can modulate the effect of repair strategies on restoring damaged trust. In the current double-blind, between-subjects, placebo-controlled design study, two repair strategies were used to examine the effect of intranasal oxytocin administration on modulating trust restoration in a revised trust game. The results showed that although oxytocin had no overall effect on modulating trust restoration, it did have a significant gender specific effect. Female subjects showed less evidence for trust repair in the oxytocin compared with the placebo treatment group. This suggests that oxytocin may make female subjects exhibit more punitive behavior towards partners who violate their trust and less sensitive to repair strategies provided by them. Interestingly, this gender specific effect was more evident in the context of attempted trust repair using financial compensation. However, it also extended to both apology alone and no compensation conditions, but not to the fair one, in females exhibiting high trait forgiveness. Thus females with a more forgiving attitude towards betrayal may actually be more likely to punish betrayal following oxytocin treatment.
Full Text Available This article examines cultural fragments – local places, people’s gestures, stories, tastes, affective landscapes – to map geographies of ‘Africa’ in a historically ‘mixed’ urban Australian neighbourhood. Focusing on a small Ethiopian business, Addis Ababa Café, the article develops an analysis framed by economies of nostalgic flavours and intimations of transnational belonging. Conceptually, the article approaches the question of how different people manage the task of living together in ‘our mongrel cities’ from two directions. Firstly, it reworks Giard’s celebrations of ‘doing-cooking’ as embedded knowledge to argue that, in the postcolonial city, memories and spices together constitutes significant cultural capital for identity-based trading. Secondly, it worries at Derrida’s arguments that hospitality and forgiveness are paradoxical. Do their contradictions actually preclude productive analytical connections, even when connections are haunted by ambivalence? Commensality based on alliances of ‘others’ might question at least ethnocentric assumptions of who offers hospitality, who forgives.
Full Text Available This study focuses on the interrelation of freedom, finitude, and reconciliation in Hegel’s understanding of religion. These three moments are found at central stages of Hegel’s treatment of the religious, from Hegel’s early fragments to his mature work. Finitude taking shape in the religious phenomena of a tragic fate, sin, or more generally, failing, is central to Hegel’s philosophical understanding of one-sidedness. As finite, man needs to reconcile with the other, and only as reconciled does he achieve freedom. Hegel credits Christianity with the discovery of the primary essences of spirituality: freedom and forgiveness. Freedom is intensified with the death of God: man realizes that there is no God-given, only man-made, legislation. This deepening of freedom does not overcome man’s finitude but instead intensifies it along with a heightened sense for responsibility, and an increased potential for guilt. In this context, forgiveness is the highest spiritual capacity of modern man, whose fate is to bear the freedom of oneself and the other.
Conejero, Susana; Etxebarria, Itziar; Montero, Ignacio
This study, which forms part of a broader research project, analyzes gender differences in: the intensity of diverse emotions, the justification of violence, attitudes towards the terrorist group ETA, forgiveness and tolerance. Participants comprised 728 people (45.5% men and 54.5% women) resident in either Basque Country or Navarra (Spain), representative of all national identities and political ideologies existing in this context. An ad hoc questionnaire was designed and administered between November 2005 and February 2006, a short time before ETA declared a ceasefire. Women reported more intensity in fear for political reasons and scored higher in two of the six measures of empathy included in the study (empathy with prisoners and empathy with those who suffer and think like oneself). Men scored higher in positive emotionality, indifference and Schadenfreude. Women perceived apology and forgiveness as more necessary elements for achieving peace than men. These results suggest that it may be beneficial for women to play a more prominent role in relation to the resolution of intergroup conflicts such as the one existing in the Basque Country.
... 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...
Navidian, A; Bahari, F
Divorce and conflict are overlapping processes. Previous findings suggest that spirituality-related interventions in mental health nursing may play a significant role in reducing the level and amount of conflict. We examined the effects of hope and forgiveness-focused marital counselling and a combination of the two intervention types on interpersonal cognitive distortions of couples filing for divorce in Isfahan, Iran. We conducted a quasi-experimental study with a pre-test and post-test design. Of 440 couples referred to the Crisis Intervention Center undergoing pre-divorce counselling, 60 were randomly assigned to four groups: hope-focused, forgiveness-focused, mixed and control. Data were gathered using the Interpersonal Cognitive Distortions Scale and analysed using the non-parametric Kruskal-Wallis, Mann-Whitney's U and Wilcoxon tests. Hope- and forgiveness-focused interventions did not have a significant effect on the total number of interpersonal cognitive distortions in comparison with the control group. However, the mixed intervention significantly reduced irrational expectations and interpersonal rejection among couples. Combining hope- and forgiveness-focused interventions can be used to decrease irrational marital beliefs among couples. In addition, rating the level of conflict among couples is important for determining the type of intervention that should be used by mental health nurses (psycho-educational or therapeutic). © 2013 John Wiley & Sons Ltd.
The possibility of psychological repair after mass trauma is considered here in the context of the global trend of dialogue between survivors and perpetrators in the aftermath of mass atrocities. Stories of remorse and forgiveness illustrate and allow reflection on the last two decades' experience in dealing with the past, as exemplified by truth commissions in countries like South Africa and Rwanda. Three aspects of this experience are stressed. First, it is argued that the Truth and Reconciliation Commission (TRC) of South Africa was a unique dialogic space that enabled the emergence of new subjectivities in the encounter between survivors and perpetrators. Second, concepts of intersubjectivity are used to explore how a psychoanalytic perspective might contribute to understanding the process of trauma testimony, and to examine the different ways in which empathy plays out in survivors' and perpetrators' responses as witnesses to trauma testimony. A key element here is the aspect of concern and care for the other that is linked to the empathy-remorse-forgiveness cycle in the dialogue between victim and perpetrator. Finally, remorse and its relation to forgiveness are explored. Contextually rich case study material from research on forgiveness illustrates this discussion. © 2015 by the American Psychoanalytic Association.
Reed, Gayle L.; Enright, Robert D.
Emotionally abused women experience negative psychological outcomes long after the abusive spousal relationship has ended. This study compares forgiveness therapy (FT) with an alternative treatment (AT; anger validation, assertiveness, interpersonal skill building) for emotionally abused women who had been permanently separated for 2 or more years…
Oral, Tuncay; Arslan, Coskun
The aim of the study is to investigate forgiveness levels of university students in terms of self-compassion, rumination and personality traits. A descriptive-correlational was used and self-administered questionnaires were conducted in this study. Participants of the study were 840 university students (460 females, 380 males) from different…
Gerlsma, Coby; Lugtmeyer, Valerie
Victims of injustice and aggression may have strong feelings about the perpetrator(s) that may impede their efforts to cope with the victimizing experience. We examined to what extent adolescents' interpersonal responses to victimization in terms of revenge and forgiveness depend on offense type. Of 455 Dutch students from various educational…
Full Text Available The purpose of the present research is revealing the correlations between social anxiety, forgiveness and values among convict-prisoners in penal institutions. Relational screening model was adopted in the present research. Relational screening is used to reveal the relationships between two or more variables, and cause-and-effect relationships. The universe of the present research consists of convicts and prisoners in Konya penal institutions in 2013-2014 years. The work group of the present research consists of 680 volunteer convicts and prisoners selected randomly among these. The data collection tool in research value scale, the scale of forgiveness and social anxiety scale was used. The results obtained from this study; The findings of the present research showed that the most important independent variable that affected values was forgiveness, In addition, the most important variable that affects social anxiety in the tested model is values variable and Additionally, second most important variable that affects social anxiety indirectly in the tested model is forgiveness variable.
Tahereh Shirzad Kebria
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.
Full Text Available This article reconsiders the role of forgiveness in the South African Truth and Reconciliation Commission (TRC. Following the preface, the article situates forgiveness within the Lacanian psychoanalytic registers of real, symbolic and imaginary. These dimensions of forgiveness are presented in dialogical style in order to reflect the spirit of dialogue and voice in accordance with which the TRC took place. Part 6 takes up the discursive problematic of forgiveness and submits it to the genealogy of the TRC as produced by Adam Sitze (2013. Drawing on Sitze, I offer a novel understanding of forgiveness, namely as a Foucaultian norm integral to a biopolitical imperative (here, the imperative of peace. In the concluding parts, I return to the psychoanalytic paradigm in order to consider whether we can nevertheless recognise a certain ‘surplus’ forgiveness in and around the TRC. Whether this may be the case in spite, or because of, the biopolitical deployment of forgiveness, remains an open question.Este artículo reconsidera el papel del perdón en la Comisión de la Verdad y la Reconciliación de Sudáfrica (CVR. Tras la introducción, el artículo sitúa el perdón dentro de los registros psicoanalíticos lacanianos de lo real, lo simbólico y lo imaginario. Estas dimensiones del perdón se presentan en un estilo dialógico para reflejar el espíritu de diálogo y voz con el que tuvo lugar la CVR. La Parte 6 aborda la problemática discursiva del perdón y la somete a la genealogía de la CVR, como la planteó Adam Sitze (2013. A partir de Sitze, se ofrece una nueva visión del perdón, concretamente como una norma focaultiana integral de imperativo biopolítico (en este caso, el imperativo de la paz. En las conclusiones, se vuelve al paradigma psicoanalítico para considerar si se puede identificar un cierto "excedente" de perdón en y alrededor de la CVR. si esto puede ser el caso a pesar de, o debido al uso biopolítico del perdón sigue
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 Set PAGE C-4 S S U
Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.
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...
Dyl, Edward A.; McGann, Anthony F.
The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)
In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...
... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...
...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...
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
... criteria of § 762.120, except the provisions regarding prior debt forgiveness and delinquency on a federal...) Applicable credit reports. (vi) Financial history (and production history for standard eligible lenders) for...
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)
... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...
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…
... 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...
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...
Akwaa-Sekyi, Ellis Kofi
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.
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...
Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.
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
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...
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…
... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...
... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...
OCLC Online Computer Library Center, Inc., Dublin, OH.
The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…
FRANK D. FINCHAM
Full Text Available Do forgiveness and conflict tactics (compromise, aggression, and avoidancein response to conflicts instigated by a romantic partner's offence uniquely predict effective arguing and relationship quality? Using 92 Italian couples we tested a mediational model in which each partner's responses to conflict predicted bothe partners' perceived effective arguing that, in turn, predict their own relationship quality. For both men and women, negative responses to conflict (unforgiveness, aggression, and avoidance overlapped and jointly predicted self-reported and partner-reported relationship quality, directly and indirectly via effective arguing. Positive responses investigated (benevolence and compromise did not overlap for either men or women. Men's positive positive responses to conflict uniquely predicted self-reported and partner-reported relationship quality via effective arguing, whereas women's positive responses did not predict them independently of their male partner's tactics.
Ramírez, Encarnación; Ortega, Ana Raquel; Chamorro, Alberto; Colmenero, José María
The main goal of this study has been to increase the quality of life in people of over 60 years through a positive psychology intervention. We employed a program which consists of training based on autobiographical memory, forgiveness and gratitude. The sample consisted of 46 participants aged 60-93 years. State and trait anxiety, depression, general memory, specific memories, life satisfaction and subjective happiness were measured. The results revealed that participants who followed the program (experimental group) showed a significant decrease in state anxiety and depression as well as an increase in specific memories, life satisfaction and subjective happiness, compared with the placebo group. Our program offers promising results and provides new evidence for the effectiveness of positive interventions in the field of psychogerontology, helping increase subjective well-being and quality of life in older adults by focusing interventions on the enhancement of personal and social resources for being happy.
Wenzel, Michael; Okimoto, Tyler G; Hornsey, Matthew J; Lawrence-Wood, Ellie; Coughlin, Anne-Marie
The sincerity of an apology is often critical for it to be viewed positively by victims. For collective apologies, we argue that sincerity takes on a particular meaning: It is a function of the apology's perceived representativeness for the offender group's will or sentiment. Consistent with this notion, when an apologetic (vs. nonapologetic) message was democratically chosen (Study 1) or explicitly endorsed by the majority of the offending outgroup (Study 2), it was considered more sincere and, through this, led to more forgiveness. Furthermore, while disagreement about an apology within the offender group reduced its perceived representativeness and sincerity, this was less so when the dissenters could be subtyped: when disagreement was correlated with an existing subgroup within the offending outgroup (Study 3) and in line with expectations for that subgroup (Study 4). This research shows that victim group members consider intragroup processes within the offending outgroup for attributions of sincerity.
Reiter, Johannes G; Hilbe, Christian; Rand, David G; Chatterjee, Krishnendu; Nowak, Martin A
Direct reciprocity is a mechanism for cooperation among humans. Many of our daily interactions are repeated. We interact repeatedly with our family, friends, colleagues, members of the local and even global community. In the theory of repeated games, it is a tacit assumption that the various games that a person plays simultaneously have no effect on each other. Here we introduce a general framework that allows us to analyze "crosstalk" between a player's concurrent games. In the presence of crosstalk, the action a person experiences in one game can alter the person's decision in another. We find that crosstalk impedes the maintenance of cooperation and requires stronger levels of forgiveness. The magnitude of the effect depends on the population structure. In more densely connected social groups, crosstalk has a stronger effect. A harsh retaliator, such as Tit-for-Tat, is unable to counteract crosstalk. The crosstalk framework provides a unified interpretation of direct and upstream reciprocity in the context of repeated games.
..., et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education... General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL...
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
Evans, Elizabeth A.
Description of a microcomputer-based system for local processing of interlibrary loan (ILL) requests developed at Environmental Protection Agency library discusses database management systems, hardware, databases, and command files. Subsequent changes resulting from system's implementation at East Carolina University Health Sciences Library are…
Charles Kahn; George Pennacchi; Ben Sopranzetti
The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...
María del Pilar Álvarez
Full Text Available Visits (or attempts to visit to the Yasukuni Shrine by Japanese officials have generated a series of controversies and tensions between the countries occupied by imperialist Japan during the Pacific War. The central dilemma is that Yasukuni, emblem of Japanese militarism, questions the coherence and consistency of the requests for forgiveness made by different Japanese prime ministers to countries in the region in repentance for atrocities and violations of human rights committed in the past. The weakness of the apologies is not an exclusive problem of Japan. On the contrary, the official pardon granted by one state to another has become an increasingly common practice, but questioned in international relations. The limits of apologies in the process of reconciliation between states have led to a new research strand, aligned with the debates on transitional justice, which discusses dimensions of the level of forgiveness in terms of rectification processes. From this perspective, previous research shows that there is a tendency to analyse the case of Yasukuni without delving into the social groups that support the shrine and define the agenda of prominent personalities of local politics, especially linked to the ruling party, the Liberal Democratic Party (LDP, who claim Yasukuni. Faced with this gap, this article examines the characteristics and modes of action of the groups in favour of Yasukuni and the responses from China and South Korea to the visits to the shrine by officials, in order to understand the peculiarities and scope of forgiveness in East Asia.
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
Indian Renewable Energy Development Agency Ltd. (IREDA) is a public sector undertaking of the Government of India. It was established in 1987 and works under Department of Non-Conventional Energy Sources (DNES). Its functions are to promote, develop and finance new and renewable sources of energy (NRSE). Guidelines for loan assistance from IREDA for different renewable energy sources are given. (M.G.B.)
Beck, T.H.L.; Behr, P.; Guttler, A.
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
...-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...
... 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...
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...
... 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...
... 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...
... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...
....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...
..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...
... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...
Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)
The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.
... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...
..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...
@@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.
Jobst, Andreas A.
The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...
In W Song
Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...
Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony
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...
... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...
...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...
Norvilitis, Jill M.; Bat, Meghan J.
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…
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...
... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...
... 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...
Ironson, Gail; Stuetzle, Rick; Ironson, Dale; Balbin, Elizabeth; Kremer, Heidemarie; George, Annie; Schneiderman, Neil; Fletcher, Mary Ann
This study assessed the predictive relationship between View of God beliefs and change in CD4-cell and Viral Load (VL) in HIV positive people over an extended period. A diverse sample of HIVseropositive participants (N = 101) undergoing comprehensive psychological assessment and blood draws over the course of 4 years completed the View of God Inventory with subscales measuring Positive View (benevolent/forgiving) and Negative View of God (harsh/judgmental/punishing). Adjusting for initial disease status, age, gender, ethnicity, education, and antiretroviral medication (at every 6-month visit), a Positive View of God predicted significantly slower disease-progression (better preservation of CD4-cells, better control of VL), whereas a Negative View of God predicted faster disease-progression over 4 years. Effect sizes were greater than those previously demonstrated for psychosocial variables known to predict HIV-disease-progression, such as depression and coping. Results remained significant even after adjusting for church attendance and psychosocial variables (health behaviors, mood, and coping). These results provide good initial evidence that spiritual beliefs may predict health outcomes.
Krams, Indrikis; Kokko, Hanna; Vrublevska, Jolanta; Āboliņš-Ābols, Mikus; Krama, Tatjana; Rantala, Markus J.
Reciprocal altruism describes a situation in which an organism acts in a manner that temporarily reduces its fitness while increasing another organism's fitness, but there is an ultimate fitness benefit based on an expectation that the other organism will act in a similar manner at a later time. It creates the obvious dilemma in which there is always a short-term benefit to cheating, therefore cooperating individuals must avoid being exploited by non-cooperating cheaters. This is achieved by following various decision rules, usually variants of the tit-for-tat (TFT) strategy. The strength of TFT, however, is also its weakness—mistakes in implementation or interpretation of moves, or the inability to cooperate, lead to a permanent breakdown in cooperation. We show that pied flycatchers (Ficedula hypoleuca) use a TFT with an embedded ‘excuse principle’ to forgive the neighbours that were perceived as unable to cooperate during mobbing of predators. The excuse principle dramatically increases the stability of TFT-like behavioural strategies within the Prisoner's Dilemma game. PMID:23864603
Full Text Available In the late Middle Ages, one of the ways to support hospitals and confraternities was the collection of alms, associated with the granting of indulgences. Through confession, the believers acquired the forgiveness from sins, and through acts of devotion and charity the reduction of the punishment to expiate in the afterlife (in Purgatory. Although studies on the topic are scarce, it is not risked to say that the indulgences had a particular luck in charities. The following pages are designed to provide new elements about the ways in which, in Lombardy, hospitals and confraternities guaranteed themselves privileges for indulgences given by the Pope and by the bishops. A special effort has been made to quantify (whenever the sources allowed to do it the costs that the institution had to incur for the management of a campaign of indulgences and the economic benefits derived from it. If in certain hospital orders the economic impact of collecting money seems to be relevant, in other cases it appears marginal. This latter is the case of the Great Hospital in Milan, which does not seem to depend on the collection of money linked to indulgences. But, despite this reduced economic impact, the Hospital reserved an important role on the "festa del Perdono" (indulgence granted by Pope Pius II, because, in the context of charity and assistance, the symbolic and communicative value was important like the material aid to the poors.
..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...
Thorsten Beck; Patrick Behr; Andre Guettler
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or exp...
Pham, Thi Thu Trà; Lensink, Robert
This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan contract terms. Also, we try to determine which firm characteristics and exogenous factors are rele...
... 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...
... 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...
... 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...
The European Bank for Reconstruction and Development (EBRD) could start to make loans for immediate safety improvements on eastern European reactors in the first half of 1993, according to Francois Demarcq, the bank's project manager for the nuclear safety account. He reported to the German Atomforum meeting in Bonn on January 26; progress at last seems to be forthcoming on the proposals for urgent assistance put forward last year by the Group of 24 Organization for Economic Cooperation and Development countries in Lisbon last June and the Group of 7 summit meeting in Bonn in July
.... Loans that are excepted from the definition of member business loans are not counted for the purpose of... automobile loans, 20% credit card loans, and 13% total other real estate loans, then the credit union meets...
Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.
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.
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 ...
... 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...
... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of the firm's future financial position, such as market studies, country and industry economic forecasts... principal of the loan. (d) Contingent liability interest-free loans—(1) Treatment as loans. In the case of...
Nolan, Christopher W.
Discusses potential problems for confidentiality within interlibrary loan requests, outlines legal issues related to confidentiality, and proposes guidelines intended to protect library users' rights to privacy. Interlibrary loan documentation procedures are considered; laws and professional standards are reviewed; and the disposition of…
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.
... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.506 Loan guarantees. (a) Benefit—(1) In general. In the case of a loan guarantee, a benefit exists to the extent that the total amount a firm pays for...
... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing...
Cumming, D.; McCahery, J.A.; Schwienbacher, A.
We use data comprising over 100,000 loans from 115 countries during 1995-2009 to examine factors that affect the extent of loan tranching, and the range of tranche spreads. The data show five factors that drive them: asymmetric information, borrower risk, transaction costs, the presence of
Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat
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...
Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases? For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At current prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible
Watt, David L.; Mortensen, Timothy L.; Leistritz, F. Larry
Lending criteria and loan classification methods are developed. Rating system breaking points are analyzed to present a method to maximize loan revenues. Financial characteristics of farmers are used as determinants of delinquency in a multivariate logistic model. Results indicate that debt-to-asset and operating ration are most indicative of default.
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan repayment. 206.367 Section 206.367 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in...
... CFR Part 1710 [0572-AC21] Project Financing Loans AGENCY: Rural Utilities Service, USDA. ACTION... also considering regulations to clarify the agency's procedures for single asset/project financing... parameters necessary to more effectively and prudently use project financing in the RUS electric loan program...
... 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...
Ferguson, Eamonn; Maltby, John; Bibby, Peter A; Lawrence, Claire
Evolutionary accounts have difficulty explaining why people cooperate with anonymous strangers they will never meet. Recently models, focusing on emotional processing, have been proposed as a potential explanation, with attention focusing on a dual systems approach based on system 1 (fast, intuitive, automatic, effortless, and emotional) and system 2 (slow, reflective, effortful, proactive and unemotional). Evidence shows that when cooperation is salient, people are fast (system 1) to cooperate, but with longer delays (system 2) they show greed. This is interpreted within the framework of the social heuristic hypothesis (SHH), whereby people overgeneralize potentially advantageous intuitively learnt and internalization social norms to 'atypical' situations. We extend this to explore intuitive reactions to unfairness by integrating the SHH with the 'fast to forgive, slow to anger' (FFSA) heuristic. This suggests that it is advantageous to be prosocial when facing uncertainty. We propose that whether or not someone intuitively shows prosociality (cooperation) or retaliation is moderated by the degree (certainty) of unfairness. People should intuitively cooperate when facing mild levels of unfairness (fast to forgive) but when given longer to decide about another's mild level of unfairness should retaliate (slow to anger). However, when facing severe levels of unfairness, the intuitive response is always retaliation. We test this using a series of one-shot ultimatum games and manipulate level of offer unfairness (50:50 60:40, 70:30, 80:20, 90:10) and enforced time delays prior to responding (1s, 2s, 8s, 15s). We also measure decision times to make responses after the time delays. The results show that when facing mildly unfair offers (60:40) people are fast (intuitive) to cooperate but with longer delays reject these mildly unfair offers: 'fast to forgive, and slow to retaliate'. However, for severely unfair offers (90:10) the intuitive and fast response is to always
Full Text Available Evolutionary accounts have difficulty explaining why people cooperate with anonymous strangers they will never meet. Recently models, focusing on emotional processing, have been proposed as a potential explanation, with attention focusing on a dual systems approach based on system 1 (fast, intuitive, automatic, effortless, and emotional and system 2 (slow, reflective, effortful, proactive and unemotional. Evidence shows that when cooperation is salient, people are fast (system 1 to cooperate, but with longer delays (system 2 they show greed. This is interpreted within the framework of the social heuristic hypothesis (SHH, whereby people overgeneralize potentially advantageous intuitively learnt and internalization social norms to 'atypical' situations. We extend this to explore intuitive reactions to unfairness by integrating the SHH with the 'fast to forgive, slow to anger' (FFSA heuristic. This suggests that it is advantageous to be prosocial when facing uncertainty. We propose that whether or not someone intuitively shows prosociality (cooperation or retaliation is moderated by the degree (certainty of unfairness. People should intuitively cooperate when facing mild levels of unfairness (fast to forgive but when given longer to decide about another's mild level of unfairness should retaliate (slow to anger. However, when facing severe levels of unfairness, the intuitive response is always retaliation. We test this using a series of one-shot ultimatum games and manipulate level of offer unfairness (50:50 60:40, 70:30, 80:20, 90:10 and enforced time delays prior to responding (1s, 2s, 8s, 15s. We also measure decision times to make responses after the time delays. The results show that when facing mildly unfair offers (60:40 people are fast (intuitive to cooperate but with longer delays reject these mildly unfair offers: 'fast to forgive, and slow to retaliate'. However, for severely unfair offers (90:10 the intuitive and fast response is to
Full Text Available The paper defines philosophical categories of good and evil in the process of upbringing and development of the personality. People are good by nature. That is why they tend towards the good, they desire what is good, they feel bad and do not function well when they are touched by evil. Goodness is part of the natural environment of the human being; goodness is the natural climate of the human person. At the same time, however, people perform bad deeds. They create evil. They often harm others. This is the cause of disorder in a person's environment. It turns out that the only effective and reasonable means of restoring such order is forgiveness. It is the only thing that has a chance to realistically stop the potential avalanche of evil that appears to be the obvious result of wrongdoing and “nurturing” harm or planning revenge. The evil that “insidiously” enters the world creates the need for forgiveness as the only way to respond to harm; as a way that leads to real order in a person's environment.
... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity date...
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...
... REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 561.30 Nonresidential construction loan. The term nonresidential construction loan means a loan for construction of other than one or more dwelling units. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nonresidential construction loan. 561.30...
... cost for terminating the financing statement for marketing assistance loans disbursed under paragraph... 7 Agriculture 10 2010-01-01 2010-01-01 false Marketing assistance loan making. 1421.104 Section... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance...
... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...
... 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...
..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan... intentions to receive a loan deficiency payment on the identified commodity or (ii) A completed request for a... cotton based on a locked-in adjusted world price, provide identifying numbers for modules or other...
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57... Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... credited to this insurance fund), and used only to reimburse the school for the institutional share of any...
.... Ford Federal Direct Loan Program; Interim Final Rule #0;#0;Federal Register / Vol. 78, No. 95... [Docket ID ED-2013-OPE-0066] RIN 1840-AD13 William D. Ford Federal Direct Loan Program AGENCY: Office of... Secretary amends the William D. Ford Federal Direct Loan Program (Direct Loan Program) regulations to...
Mezza, Alvaro; Sommer, Kamila
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…
Federal Student Aid, US Department of Education, 2010
Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…
... 7 Agriculture 10 2010-01-01 2010-01-01 false Security for loan. 1436.8 Section 1436.8 Agriculture... Security for loan. (a) Except as agreed to by CCC, all loans must be secured by a promissory note and... prior lien holders. (2) A loan will be considered to be adequately secured when the real estate security...
... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards without security. 160.74 Section 160... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.74 Loan of standards without security. Duplicates of the United States Standards for rosin may be loaned without deposit of...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Additional security for restructured loans. 766.112..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs § 766.112 Additional security for restructured loans. (a) If the borrower is delinquent prior to restructuring, the...
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Security for loan. 1007.30 Section... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.30 Security for loan. (a) In general. A... Lands is used as collateral or security for the loan, the following additional provisions apply: (1...
... assistance loan collateral may not be delivered or forfeited to CCC in satisfaction of the loan indebtedness... 7 Agriculture 10 2010-01-01 2010-01-01 false Recourse marketing assistance loans. 1421.113 Section... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND SIMILARLY HANDLED...
... indicates the date in which the loan has been activated/funded. The form is available at http://www.osdbu... repayment of the STLP loan, or upon expiration of the loan guarantee. The form is available at http://www... Report and form DOT F 2305-1 Guaranty Loan Status Report. These forms are available at http://www.osdbu...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan Guarantee Agreements. 120.400 Section 120.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders § 120... specific proposed loan that a Lender may submit. The existence of a Loan Guarantee Agreement does not limit...
... any partnership which is a borrower on a section 312 loan shall be personally liable for repayment of the section 312 loan. Limited partners shall assume personal liability by co-signing the loan note as... not relieve the partnership or corporate borrower from securing the section 312 loan by a mortgage or...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....546 Loan asset sales. (a) General. Loan asset sales are governed by § 120.545(b)(4) and by this... consented to SBA's sale of the loan (guaranteed and unguaranteed portions) in an asset sale conducted or...
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,…
Peter Chinloy; James Musumeci
The financing structure of a shopping center is decomposed into an income security and two put options. These put options are respectively held by the borrower against the lender for default, and by the lender against an insurer or reinsurer. The prices of the put option depend on the loan-to-value ration of the loan and on the risk of the investment. The interest rate charged on the loan is the sum of four components: a riskless rate, lender production costs, and the net price of the put opt...
..., or Direct Loan Program, excluding PLUS loans made under the FFEL and Direct Loan Programs to parents... that repaid a parent PLUS loan. Employee means an individual who, under Federal tax law, is considered... Internal Revenue Code. Involuntary separation due to misconduct means termination from [[Page 39001...
Ozili, Peterson K
This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...
Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the
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....
... taxation as provided in section 108(j) of the Act. (f) Loan repayment period. The term of debt obligations..., shall preclude or limit HUD's exercise of: (1) The power to contract with respect to public offerings...
.... (14) Acquisition of membership and/or stocks, bonds, or debentures necessary to obtain a loan from... that produce biomass fuel or biogas as an output must have completed two operating cycles at design...
... assets for a stated period of time, and the proposed means of financing the expenditures. For loan... within sixty days of the date of the disapproval. Decision by the Assistant Administrator for the...
Salzarulo, W. Peter
Many faculty members have tax sheltered annuities (TSA). One method of obtaining the use of the funds in a TSA involves treating the amount received from the TSA as a loan rather than as a taxable withdrawal or distribution. (MLW)
Yan, Yun; Deng, Tianbai
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.…
The European Laboratory for Particle Physics (CERN) is considering taking out bank loans to fund its Large Hadron Collider project. CERN officials are evaluating this option in view of the German government's decision to substantially reduce its annual contributions to the project. They state that the bank loans may be the only way to complete the project by the year 2005, especially if other contributing nations follow Germany's lead.
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.
..., this new approach will give our customers increased flexibility to find and deploy technology that... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of elimination of the...
... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...
Delisle, Jason; Holt, Alexander
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…
Project on Student Debt, 2016
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…
Schmidt, Kurt W
In general parlance the term sin has lost its existential meaning. Originally a Jewish-Christian term within a purely religious context, referring to a wrongdoing with regard to God, sin has slowly become reduced to guilt in the course of the secularization process. Guilt refers to a wrongdoing, especially with regard to fellow human beings. It also refers to errors of judgement with what can be tragic consequences. These errors can occur whenever human beings are called upon to act, including the hospital environment. A Christian hospital has to address the issue of how to deal not only with guilt-ridden misdemeanors, but also with wrongdoing unto God, which overshadows every instance of guilt-ridden human behavior. Here, as in every parish, the Church Service is the place to acknowledge sin, confess sin, and forgive sin, beyond the boundaries of the parish itself.
Beyens, Urielle; Yu, Hongbo; Han, Ting; Zhang, Li; Zhou, Xiaolin
Apology from the offender facilitates forgiveness and thus has the power to restore a broken relationship. Here we showed that apology from the offender not only reduces the victim's propensity to react aggressively but also alters the victim's implicit attitude and neural responses toward the offender. We adopted an interpersonal competitive game which consisted of two phases. In the first, "passive" phase, participants were punished by high or low pain stimulation chosen by the opponents when losing a trial. During the break, participants received a note from each of the opponents, one apologizing and the other not. The second, "active" phase, involved a change of roles where participants could punish the two opponents after winning. Experiment 1 included an Implicit Association Test (IAT) in between the reception of notes and the second phase. Experiment 2 recorded participants' brain potentials in the second phase. We found that participants reacted less aggressively toward the apologizing opponent than the non-apologizing opponent in the active phase. Moreover, female, but not male, participants responded faster in the IAT when positive and negative words were associated with the apologizing and the non-apologizing opponents, respectively, suggesting that female participants had enhanced implicit attitude toward the apologizing opponent. Furthermore, the late positive potential (LPP), a component in brain potentials associated with affective/motivational reactions, was larger when viewing the portrait of the apologizing than the non-apologizing opponent when participants subsequently selected low punishment. Additionally, the LPP elicited by the apologizing opponents' portrait was larger in the female than in the male participants. These findings confirm the apology's role in reducing reactive aggression and further reveal that this forgiveness process engages, at least in female, an enhancement of the victim's implicit attitude and a prosocial motivational
Seyed Kazem Ebrahimi
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.
Stetsenko Tetiana V.
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.
... regulations concerning direct loans to veterans as may be inconsistent therewith or variant therefrom shall no... Veterans Affairs may issue a guaranty in connection therewith within the maximums applicable to loans...
... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...
... 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...
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...
Michel , Cécile
International audience; 1. Loan contracts and other types of investments2. Creditors, debtors and family firms3. Relationships between Assyrians and Anatolians through loan contracts during the 19th and 18th centuries B.C.
Loan collaterals and collateral substitutes in rural finance: a review. ... have difficulties in obtaining loans from banks and other financial institutions because ... The limited availability of conventional collaterals in rural financial markets has led ...
Full Text Available The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper will also explain in detail procedures and responsibilities shared along the process of loan acceptance by a banker. To sum up, the overall process from application to loan approval or denial will be explained pointing out the implications that are faced along the way
Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang
This paper investigates the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and non-price loan terms (e.g., interest rates, collateral, covenants and performance pricing) are more favorable and syndicated loans comprise more lenders. In addition, board size, board diversity, audit committee structure and other director characteristics also influence bank loan price. However they do not consistently affect all non-price loa...
... 50 Wildlife and Fisheries 1 2010-10-01 2010-10-01 false Donation or loan. 12.36 Section 12.36... SEIZURE AND FORFEITURE PROCEDURES Disposal of Forfeited or Abandoned Property § 12.36 Donation or loan. (a... and security for the item. (b) Any donation or loan may be made only after execution of a transfer...
... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...
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
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Restrictions on loan processing. 120.383 Section 120.383 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS.... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender...
... identified with a covered educational institution, in the marketing of private education loans in a way that implies that the covered education institution endorses the creditor's loans. (2) A creditor's marketing... regulation, paragraph (a)(1) of this section does not apply if the private education loan marketing includes...
Beck, T.H.L.; Behr, P.; Guttler, A.
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
Westfall, Elizabeth W.; Zimmerman, Anne R.
Recognizing that current and reliable sources of information are necessary for effective management and decision making, librarians of the Federal Home Loan Bank of San Francisco and the Federal Home Loan Bank in Seattle prepared this booklet listing what they feel are the basic books and periodicals essential to a savings and loan library…
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...
den Haan, W.J.; Sumner, S.W.; Yamashiro, G.M.
Following a monetary tightening, bank loans to consumers decrease. This is true for both mortgage and non-mortgage loans, and it is true for a tightening by the Bank of Canada that is, and is not, a response to a tightening by the Federal Reserve System. In contrast, business loans increase
... 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...
... 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.
Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when
... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Private loan financing test. 1.141-5 Section 1... loan financing test. (a) In general. Bonds of an issue are private activity bonds if more than the... determining whether the private loan financing test is met. In determining whether the proceeds of an issue...
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan funds for beginning farmers. 761.209 Section 761... Funds to State Offices § 761.209 Loan funds for beginning farmers. Each fiscal year, the Agency reserves a portion of direct and guaranteed FO and OL loan funds for beginning farmers in accordance with...
... 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...
... 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...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's retained Loan Interest. 120.1707 Section 120.1707 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1707 Seller...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.612 Loans eligible to back Certificates. (a) Pool Certificates...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan servicing. 120.1714 Section 120.1714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1714 Seller...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan liquidation. 120.1715 Section 120.1715 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1715 Seller...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan origination. 120.1713 Section 120.1713 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1713 Seller...
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan deferments. 120.1717 Section 120.1717 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1717 Seller...
... estimated cost. (2) The loan proceeds shall be used only to finance property improvements that substantially protect or improve the basic livability or utility of the property. The Secretary will establish a list of... the Secretary before making a loan. (3) The loan proceeds shall only be used to finance property...
... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427.174 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION... Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...
..., justifies different amounts, a reserve for bad debts of 6 percent of outstanding loans must be accumulated... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776..., DEPARTMENT OF AGRICULTURE (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.17...
... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's.... (b) The Secretary does not guarantee a Federal Consolidation loan in an amount greater than that required to discharge loans eligible for consolidation under § 682.100(a)(4). (Authority: 20 U.S.C. 1075...
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR... Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to...
... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN71 Loan Guaranty: Elimination of... June 15, 2010 (75 FR 33704), amending its loan guaranty regulations to eliminate redundant regulations... INFORMATION CONTACT: William White, Acting Assistant Director for Loan Processing and Valuation (262...
... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...
... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department... mortgage holders in the Department of Veterans Affairs (VA) loan guaranty program concerning the percentage to be used in calculating the purchase price of a property that secured a terminated loan. The new...
... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program... the Rural Housing Service (RHS) Section 502 Single Family Housing Guaranteed Loan Program (SFHGLP) by eliminating the lender's published Department of Veterans Affairs (VA) rate for first mortgage loans with no...
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...
... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...
... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Making AGENCY... that supports Direct Loan Making programs. The information is used to determine borrower compliance with loan agreements, assist the borrower in achieving business goals, and regular servicing of the...
... Revolving Loan Fund AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY..., evaluates, and acts on credit union applications seeking loans and technical assistance grants from the Community Development Revolving Loan Fund (CDRLF or Fund). The proposed changes update the current rule to...
... Federal Direct Loan Program AGENCY: Office of Postsecondary Education, Department of Education. ACTION... document to establish the date for the early implementation of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new income-contingent repayment plan based on the President...
... SMALL BUSINESS ADMINISTRATION Patriot Express Pilot Loan Initiative AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Patriot Express Pilot Loan Initiative. SUMMARY: This notice extends the Patriot Express Pilot Loan Initiative in its current form through December 31, 2013...
... collections established in the regulation are necessary for FSA to monitor and account for loan security... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Servicing... collection that supports Direct Loan Servicing-Regular programs. The information is used to determine...
... 7 Agriculture 15 2010-01-01 2010-01-01 false Security requirements (loans only). 3550.108 Section..., DEPARTMENT OF AGRICULTURE DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 504 Origination and Section 306C Water and Waste Disposal Grants § 3550.108 Security requirements (loans only). When the total...
... 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...
... all or any part of the loan collateral by paying CCC the applicable principal and interest. (b) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due...) Forfeiture of in-process sugar serving as loan collateral will be accepted as payment in full of principal...
...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...
... 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...
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
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.
... Nurse Anesthetists.). (l) Podiatry: D.P.M. (m) Physical Rehabilitation Services: Physical Therapy... program site determined by the Secretary. Loan repayment sites are characterized by physical, cultural... allopathic medicine, family medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and...
... Anesthetists.). (o) Podiatry: D.P.M. (p) Physical Rehabilitation Services: Physical Therapy, Occupational... by the Secretary. Loan repayment sites are characterized by physical, cultural, and professional... medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine...
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...
The problems faced by developing countries in embarking on a nuclear power programme are considered. It is argued that an international funding agency should be set up by the IAEA and the World Bank to provide developing countries with help in the form of a loan at soft interest rates and longer repayment periods. (U.K.)
... conditions: (a) The loan shall be denominated in a currency to eliminate foreign exchange risk on repayment... majority ownership interest, financing may be extended for the full value of the transaction; otherwise, financing may be extended only to approximate the percent of ownership. [55 FR 24884, June 19, 1990, as...
... Understanding (MOU), Apr. 24, 1975; AR 500-60 Secretary of the Army (or designee) Communications, earthmoving... request would result in loss of human life, grave bodily harm, or major destruction of property, and when the lack of communication facilities prevents use of normal procedures, loans otherwise permitted by...
Kentucky Council on Postsecondary Education, 2016
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…
... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Business and Industry Loans... statistical data (5 points). (ii) Located in a rural community that has remained persistently poor over the...
... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for... normal course of business) in the applicant or borrower. (ii) The applicant or borrower, a relative of... to obtain a loan), or other principal owners of the lender have substantial business dealings (other...
... annual rate, that shall be determined by subsequent events, of simple interest on the reduction loan's... deposit and disburse the fee revenue in accordance with § 600.1014. (b) Principal amount, interest rate... § 600.1014. (c) Effect of prospective interest rate. Any difference between a prospective interest rate...
... writing at least 10 days prior to the proposed disbursement date in order to ensure timely receipt of the... Loan shall establish necessary accounting records, consistent with local government's financial... examination, have access to any books, documents, papers, and records that pertain to Federal funds...
From 2000 to the end of 2004, the Tibet Branch of Agricultural Bank provided farmers and herders with loans that helped raise their average net income from 1,342 Yuan to 1,863 Yuan during the period.The net increase in income totaled nearly 1.1 billion Yuan.
Tangkitvanich, Somkiat; Manasboonphempool, Areeya
The Thai higher education sector has expanded quickly during the past decade, making a transition from an elitist to a mass institution. A driving force behind the expansion was believed to be the Student Loan Fund (SLF), introduced in 1996. During the first 10 years of its operation, the SLF has lent to more than 2.6 million students, with the…
... to establish all the aspects of the fraud. If at all possible, this should then be done prior to... or approved, or (c) conspiring to defraud the United States by getting a false or fraudulent claim... Department of Justice will need to know such things as: What was the amount of the loan or the loss paid to...
... when in conflict with these regulations. The loan is governed by terms of existing legal documents of... accounting records for each intermediary. The Finance Office will: (1) Coordinate with the Administrator or... of the proper accounting procedure. (2) Send monthly statements to the National Office reflecting all...
... 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...
... to these regulations based on the comments. FSA is making a minor amendment to the definition of... key decision making for the entity and could be the ones making the important decisions regarding... interim rule (75 FR 54005-54016) on September 3, 2010, to add CL loan making and servicing provisions to...
... 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...
Korteweg, Arthur; Sørensen, Morten
We estimate a model of house prices, combined loan-to-value ratios (CLTVs) and trade and foreclosure behavior. House prices are only observed for traded properties and trades are endogenous, creating sample-selection problems for existing approaches to estimating CLTVs. We use a Bayesian filtering...
The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…
... consideration to the experience of the agent in providing financial services to minority business enterprises... OF ENERGY LOANS FOR BID OR PROPOSAL PREPARATION BY MINORITY BUSINESS ENTERPRISES SEEKING DOE..., broker, or other financial institution or entity) having the capability, and legally qualified, to...
... financial statements and provide the Agency with a written summary of the lender's analysis and conclusions... analyzing financial statements; verifying the payment of taxes and insurance premiums; and maintaining liens... statements required by the Loan Agreement. The lender must submit the borrower's annual financial statements...
... section. This is based upon the Agency's experience to date in financing this type of project and the... sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed... Program by limiting the risk to the guaranteed loan portfolio. RHS is seeking to prohibit the financing of...
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.
Ongena, Steven; Ioannidou, Vasso
This paper studies loan conditions when firms switch banks. Recent theoretical work on bank–firm relationships motivates our matching models. The dynamic cycle of the loan rate that we uncover is as follows: a loan granted by a new (outside) bank carries a loan rate that is significantly lower than the rates on comparable new loans from the firm's current (inside) banks. The new bank initially decreases the loan rate further but eventually ratchets it up sharply. Other loan conditions follow ...
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 Banks and Banking 5 2010-01-01 2010-01-01 false Exempt savings and loan holding companies and... THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2a Exempt savings and loan holding companies and grandfathered activities. (a) Exempt savings and loan holding companies. (1) The following savings and loan...
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...
...) Installment on note and other charges—(1) Direct loan accounts. For a borrower with a direct loan, the term... loan accounts. “Loan insurance charge” means a separate insurance charge applying to FO and SW insured... loans evidenced by note forms bearing a form date of January 8, 1959, or later, the insurance charge is...
... 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...
Bouwens, J.; Kroos, P.
We examine whether loan decisions are affected by the internal decision structure of the bank. Banks typically grant decision rights on straight-forward loans entirely to individual loan officers. For more risky loans these officers have to seek ratification for their loan proposals at higher
... than the maximum loan value for the collateral specified in this part. (c) If the stock should become... increase the amount of the loan balance unless there was provided additional collateral having a maximum... value of the loan collateral or because of a decrease by the Board in the maximum loan value of the loan...
... 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...
... Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and... Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL) Program, and... Vol. 78 Friday, No. 212 November 1, 2013 Part II Department of Education 34 CFR Parts 668, 674...
Bolhar Tetyana M.
Full Text Available The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of their conduct and identifies advantages and shortcomings of their application both for a bank and a borrower. Prospect of further studies in this direction is improvement of methods of assessment of bad loans, in particular, development of methodological approaches to identification of assessment of profitability of bad loans as an important element of the system of management of bad loans of a bank.
Mahoney, Colin T; Lawyer, Steven R
Payday and title loans are short-term loans associated with significant economic impact. Behavioral theories of impulsive choice may provide insight into behavioral processes that underlie the propensity to take out payday and title loans. Adults between the ages of 18 and 30 recruited from the community completed delay and probability discounting tasks for hypothetical money as well as measures of substance use. Patterns of discounting were characterized using a hyperbolic decay model and area under the curve. Participants who took out a payday and/or title loan in the past (n=41) exhibited more impulsive choice patterns on the delay discounting task than did those who did not (n=255). Substance use mediated this relationship between payday and title loan retention and delay discounting. These findings suggest potentially important relationships between payday/title loan borrowing, substance use, and delay discounting. Copyright © 2016 Elsevier B.V. All rights reserved.
Lewis Gaul; Pinar Uysal
This paper examines whether unobservable differences in firm volatility are responsible for the global loan pricing puzzle, which is the observation that corporate loan interest rates appear to be lower in Europe than in the United States. We analyze whether equity volatility, an error prone measure of firm volatility, can explain this difference in loan spreads. We show that using equity volatility in OLS regressions will result in biased and inconsistent estimates of the difference in U.S. ...
Bolhar Tetyana M.
The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of ...
Shorouq F. Eletter; Saad G. Yaseen; Ghaleb A. Elrefae
Problem statement: Despite the increase in consumer loans defaults and competition in the banking market, most of the Jordanian commercial banks are reluctant to use artificial intelligence software systems for supporting loan decisions. Approach: This study developed a proposed model that identifies artificial neural network as an enabling tool for evaluating credit applications to support loan decisions in the Jordanian Commercial banks. A multi-layer feed-forward neural network with backpr...
... agriculture production, which means the cultivation, production (growing), and harvesting, either directly or... reforestation. (iii) The growing of mushrooms or hydroponics. (4) Recreation and tourism. Loans may be...
Juri Marcucci; Paolo Emilio Mistrulli
We investigate the duration of bad loans for a unique data set of sole proprietorships in Italy, finding that bad loans for female firms last longer. However, this result is mainly due to the fact that loans granted to female firms are less frequently written off than those to male ones, suggesting that for banks female firms might be more creditworthy than male firms. These findings are robust to censoring, alternative specifications of the distribution of bad loan duration and other bank-sp...
Ostlund, Grant; Cheney, John E
In evaluating the potential for tax-exempt bank financing, healthcare organizations should carefully consider: Pricing. Loan structure. Security requirements (such as financial covenants and default remedies).
... reporting their members' payment histories with STS loans to the credit bureaus. Members who successfully... not include fees for unanticipated late payments, defaults, delinquencies, or similar occurrences. As...
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.
... collateral securing the loan under § 103.36(d)(2), and has a residual loss after doing so, it must send BIA... principal collateral securing the loan; or (iii) One hundred eighty calendar days after the date of the default. (b) For insured loans, after liquidating all loan collateral, the lender must submit a claim for...
Jianfang Zhou; Jingjing Wang; Jianping Ding
Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.
... Premiums—operating loss loans. (a) The mortgagee, upon the insurance endorsement of the increase loan credit instrument covering the operating loss loan, shall pay to the Commissioner a first mortgage...
... 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...
...: Physical Therapy, Occupational Therapy, Speech-Language Pathology, and Audiology: M.S. and D.P.T. (q... site determined by the Secretary. Loan repayment sites are characterized by physical, cultural, and..., internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine, nursing...
... 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: firstname.lastname@example.org . If you use a telecommunications device for the...
...-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: email@example.com . If you use a telecommunications device for the...
... 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: firstname.lastname@example.org . If you use a telecommunications device for...
Full Text Available The aim of this study was to investigate the effectiveness of self-forgiveness group training program based on the Quran concepts on the self-esteem of adolescent boys. The statistical population of this study consisted of adolescent boys in the first grade of high school in Esfahan city in the academic year of 2013-2014, 20 high school students with low self-esteem were selected by accessible sampling. . In a quasi- experimental design with control group and follow up session were randomly assigned (each group 20. The program was administered in 8 sessions of 90 minutes to the participants in the experimental group. The instruments were General Mental Health Screening Scale of educational office and The Cooper Smith Self-esteem Scale. Data were analyzed by the analysis of covariance. Posttest scores of participant's self-esteem in the experimental group significantly increased. The results indicate that forgiveness group training program based on the Quran concepts was effective in increasing the adolescent boys’ self-esteem.
Weinberg, Michael; Harel, Hila; Shamani, Michal; Or-Chen, Keren; Ron, Pnina; Gil, Sharon
Exposure to war can lead to numerous traumatic experiences affecting the daily lives and personal well-being of the civilian population. However, no research to date has examined the associations between postwar well-being and posttraumatic stress disorder (PTSD) symptoms, tendency to forgive, and social support during and following war. Authors examined a sample of 160 Israeli civilians who were exposed to rocket and missile fire during the 2014 Gaza War. Time 1 (Tl) started approximately one week after the beginning of the war and ended four weeks later following the first 72-hour ceasefire declaration by the United Nations. Respondents were re-approached by personal e-mail approximately one month after T1. A structural equation model design showed that higher postwar tendency to forgive, and social support, are associated with higher postwar well-being. It is notable that higher social support during the war had a negative effect on postwar well-being. In addition, higher posttraumatic symptoms and well-being during the war had a positive effect on higher postwar well-being. The study findings reinforce the importance of personal variables in postwar well-being. However, increased awareness of both social support and PTSD symptoms as "double-edged sword" resources is advisable, considering the different effects of social support and PTSD symptoms on well-being both during and after the war. © 2017 National Association of Social Workers.
... associations, corporations and partnerships, to finance economic enterprises operated for profit, the operation... training programs. Loans may also be made by the United States to tribes for loaning to or investing in... thereof, corporations and partnerships, to finance economic enterprises operated for profit, the operation...
... with § 201.20(c). (4) Where the proceeds are to be used for a fire safety equipment loan, the lender... jurisdiction over the fire safety requirements of health care facilities in accordance with § 201.20(c). (5) In... transaction, and if any part of the initial payment was obtained through a gift or loan, the source of the...
... 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...
... scheduled for payment as agreed upon by the lender and applicant but on terms that reasonably assure repayment of the loan. However, the first installment to include a repayment of principal may be scheduled... collateral obsolescence prior to full repayment of the indebtedness. The loan file must be documented to...
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loan application register. 528.6 Section 528.6 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION... Mortgage Disclosure Act Loan Application Registers with the Office of Thrift Supervision in accordance with...
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...
Ishitani, Terry T.; McKitrick, Sean A.
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…
... CFR Parts 1710, 1717, 1721, 1724, and 1730 RIN 0572-AC19 Energy Efficiency and Conservation Loan..., proposing policies and procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by electric utilities for the benefit of rural...