WorldWideScience

Sample records for stafford loan program

  1. 78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

    Science.gov (United States)

    2013-08-22

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

  2. 34 CFR 682.301 - Eligibility of borrowers for interest benefits on Stafford and Consolidation loans.

    Science.gov (United States)

    2010-07-01

    ... 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...

  3. Denying Loan Access: The Student-Level Consequences When Community Colleges Opt out of the Stafford Loan Program. A CAPSEE Working Paper

    Science.gov (United States)

    Wiederspan, Mark

    2015-01-01

    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…

  4. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

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

  5. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

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

  6. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

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

  7. 77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2012-03-07

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

  8. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

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

  9. 44 CFR 206.371 - Loan program.

    Science.gov (United States)

    2010-10-01

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

  10. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

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

  11. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

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

  12. Financial Management: Emergency Steel Loan Guarantee Program

    National Research Council Canada - National Science Library

    2001-01-01

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

  13. HUD PowerSaver Pilot Loan Program

    Energy Technology Data Exchange (ETDEWEB)

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

    2010-12-10

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

  14. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

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

  15. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

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

  16. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

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

  17. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

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

  18. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

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

  19. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — The Allegheny Home Improvement Loan Program (AHILP) is the most affordable way for eligible Allegheny County residents to rehabilitate and improve their homes....

  20. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

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

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

    Science.gov (United States)

    2012-07-17

    ... 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...

  2. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

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

  3. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

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

  4. 7 CFR 772.7 - Leasing minor program loan security.

    Science.gov (United States)

    2010-01-01

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

  5. 77 FR 38015 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2012-06-26

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

  6. 78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-10-23

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

  7. 78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-08-07

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

  8. 76 FR 31217 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2011-05-31

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

  9. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

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

  10. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

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

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

    Science.gov (United States)

    2013-11-01

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

  12. 77 FR 54839 - Energy Efficiency and Conservation Loan Program

    Science.gov (United States)

    2012-09-06

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

  13. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

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

  14. 77 FR 15933 - Conservation Loan Program

    Science.gov (United States)

    2012-03-19

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

  15. Terms and conditions for Diesel Emissions Reduction Act Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon

    Science.gov (United States)

    Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.

  16. 78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

    Science.gov (United States)

    2013-02-12

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

  17. 77 FR 10455 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2012-02-22

    ... science or clinical research parameters and is not targeted toward a specific area (e.g., AIDS) or type of..., whether the time is spent on research, teaching, patient care, or other activities. Living Expenses: Means...) Primary Care Loan (PCL) Program, and (10) Public Health Service Scholarship (PHS) Program; (d) For...

  18. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

    ... science or clinical research parameters and is not targeted toward a specific area (e.g., AIDS) or type of..., whether the time is spent on research, teaching, patient care, or other activities. Living expenses means... Shortage Area Scholarship Program, (9) Primary Care Loan (PCL) Program, and (10) Public Health Service...

  19. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Science.gov (United States)

    2010-07-01

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

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

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    We consider the dynamics of the Danish mortgage loan system and propose several models to reflect the choices of a mortgagor as well as his attitude towards risk. The models are formulated as multi stage stochastic integer programs, which are difficult to solve for more than 10 stages. Scenario...

  1. Improvements Needed in Administration of the Guaranteed Student Loan Program.

    Science.gov (United States)

    General Accounting Office, Washington, DC.

    This report identifies improvements needed in administration of the guaranteed student loan program. Improvements needed are based on the fact that that lenders are not informed when student borrowers drop out of school. Alternatives for providing lenders with timely information on enrollment terminations are indicated. Additional administrative…

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

    National Research Council Canada - National Science Library

    1994-01-01

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

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

    Science.gov (United States)

    Shook, Melissa

    2012-01-01

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

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

    Science.gov (United States)

    2013-08-16

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

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

    Science.gov (United States)

    2012-04-19

    ... Applications for the Veterinary Medicine Loan Repayment Program AGENCY: National Institute of Food and... announcing the release of the Veterinary Medicine Loan Repayment Program (VMLRP) Request for Applications (RFA) at www.nifa.usda.gov/vmlrp . DATES: The FY 2012 Veterinary Medicine Loan Repayment Program (VMLRP...

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

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    1980-09-01

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

  8. Health Education Assistance Loan (HEAL) Program. Final rule.

    Science.gov (United States)

    2017-11-15

    On July 1, 2014, the HEAL Program was transferred from the U.S. Department of Health and Human Services (HHS) to the U.S. Department of Education (the Department). To reflect this transfer and to facilitate the servicing of all HEAL loans that are currently held by the Department, the Secretary adds the HEAL Program regulations to the Department's chapter in the Code of Federal Regulations (CFR).

  9. 7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

    Science.gov (United States)

    2010-01-01

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

  10. 78 FR 25417 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2013-05-01

    ... Applications for the Veterinary Medicine Loan Repayment Program AGENCY: National Institute of Food and... announcing the release of the Veterinary Medicine Loan Repayment Program (VMLRP) Request for Applications (RFA) at www.nifa.usda.gov/vmlrp . DATES: The fiscal year (FY) 2013 Veterinary Medicine Loan Repayment...

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

    Science.gov (United States)

    Nowicki, Jacqueline M.

    2014-01-01

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

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

    Data.gov (United States)

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

  13. Farm Programs: Changes to the Marketing Assistance Loan Program Have Had Little Impact on Payments

    National Research Council Canada - National Science Library

    2001-01-01

    .... Much of this assistance was targeted to help farmers cope with persistently low commodity prices and was provided principally through the Marketing Assistance Loan Program, which is administered by the U.S...

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

    Science.gov (United States)

    Bayus, Barry; Kendis, Kurt

    1982-01-01

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

  15. 13 CFR 120.391 - What is the Builders Loan Program?

    Science.gov (United States)

    2010-01-01

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

  16. 75 FR 22736 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-04-30

    ... (RFA) at http://www.nifa.usda.gov/vmlrp . DATES: The FY 2010 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made available at http://www.nifa.usda.gov/vmlrp and applications... http://www.nslds.ed.gov . Individuals who consolidated their DVM loans with non-educational loans or...

  17. 12 CFR 617.7430 - Are institutions required to participate in state agricultural loan mediation programs?

    Science.gov (United States)

    2010-01-01

    ... state agricultural loan mediation programs? 617.7430 Section 617.7430 Banks and Banking FARM CREDIT... Mediation Programs § 617.7430 Are institutions required to participate in state agricultural loan mediation programs? (a) If initiated by a borrower, System institutions must participate in state mediation programs...

  18. Wind Powering America Anemometer Loan Program: A Retrospective

    Energy Technology Data Exchange (ETDEWEB)

    Jimenez, T.

    2013-05-01

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

  19. Student Loan Programs. As Federal Costs of Loan Consolidation Rise, Other Options Should be Examined. Report to Congressional Requesters.

    Science.gov (United States)

    General Accounting Office, Washington, DC.

    In this report GAO recommends that the Secretary of Education assess the advantages of consolidation loans for borrowers and the government in light of program costs and identify options for reducing federal costs. Options could include targeting the program to borrowers at risk of default and extending existing consolidation alternatives to more…

  20. 7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

  1. 77 FR 67330 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2012-11-09

    ... Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY... administration of the Veterinary Medicine Loan Repayment Program (VMLRP) authorized under section 1415A of the... agreement, veterinary services in veterinarian shortage situations. As part of the stakeholder input process...

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

    Energy Technology Data Exchange (ETDEWEB)

    Lantz, E.

    2010-05-01

    High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This report discusses ways to increase the impact of these loan programs and suggests related policy design considerations.

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

    Science.gov (United States)

    2012-01-23

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

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

    Science.gov (United States)

    Price, Derek V.

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

  5. 42 CFR 68a.1 - What is the scope and purpose of the NIH Clinical Research Loan Repayment Program for Individuals...

    Science.gov (United States)

    2010-10-01

    ..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR... to the award of educational loan payments under the NIH Clinical Research Loan Repayment Program for... relative to income, to conduct clinical research as NIH employees. ...

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

    Science.gov (United States)

    2013-02-04

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

  7. 77 FR 12792 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2012

    Science.gov (United States)

    2012-03-02

    ... Economic Development Loan and Grant Program for Fiscal Year 2012 AGENCY: Rural Business-Cooperative Service... Rural Economic Development Loan and Grant (REDLG) program pursuant to 7 CFR part 4280, subpart A for... Economic Development Loans and Grants. Announcement Type: Initial Announcement. Catalog of Federal Domestic...

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

    Science.gov (United States)

    National Archives and Records Administration, 2014

    2014-01-01

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

  9. Department of Energy WindSentinel Loan Program Description

    Energy Technology Data Exchange (ETDEWEB)

    Shaw, William J. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Sturges, Mark H. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

    2016-12-01

    The U.S. Department of Energy (DOE) currently owns two AXYS WindSentinel buoys that collect a comprehensive set of meteorological and oceanographic data to support resource characterization for wind energy offshore. The two buoys were delivered to DOE’s Pacific Northwest National Laboratory (PNNL) in September, 2014. After acceptance testing and initial performance testing and evaluation at PNNL’s Marine Sciences Laboratory in Sequim, Washington, the buoys have been deployed off the U.S. East Coast. One buoy was deployed approximately 42 km east of Virginia Beach, Virginia from December, 2014 through June, 2016. The second buoy was deployed approximately 5 km off Atlantic City, New Jersey in November, 2015. Data from the buoys are available to the public. Interested parties can create an account and log in to http://offshoreweb.pnnl.gov. In response to a number of inquiries and unsolicited proposals, DOE’s Wind Energy Technologies Office is implementing a program, to be managed by PNNL, to lend the buoys to qualified parties for the purpose of acquiring wind resource characterization data in areas of interest for offshore wind energy development. This document describes the buoys, the scope of the loans, the process of how borrowers will be selected, and the schedule for implementation of this program, including completing current deployments.

  10. 76 FR 9213 - Small Business Jobs Act: 504 Loan Program Debt Refinancing

    Science.gov (United States)

    2011-02-17

    ... history instead of only one year. The Jobs Act also provides that this refinancing program is not... year period was either deferred or more than 30 days past due. Any delinquency in payment of the loan...

  11. 78 FR 65523 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2013-11-01

    ... ensure borrower success and protect FSA's security interests. There will be no change to 7 CFR 765.302 in... disposition of security, and Conservation Contract requirements. FSA is also streamlining the loan making and... of thousands of family farmers each year in starting and maintaining profitable farm businesses. FSA...

  12. 34 CFR 685.217 - Teacher loan forgiveness program.

    Science.gov (United States)

    2010-07-01

    ... 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...

  13. Savings and Loans Program, The Revenue of Small Micro Enterprises and Poverty Reduction among Women Groups

    Directory of Open Access Journals (Sweden)

    Ana Zahrotun Nihayah

    2017-04-01

    Full Text Available This research aims to understand the micro small medium business income both before and after receiving the program, to find out the number of poverty reduction, and to see the application of Islamic economic values on the women’s saving and loans program.The population of this research are members of the women’s saving and loans program, which is 215 people in total and scattered in 16 business group. Using random sampling techniques, there are 70 people that was taken into consideration. The method analysis used in in this research is using Wilcoxon rank test analysis, the poverty reduction analysis, and the Islamic economics values. Based on data analysis is(1 founded that the women’s saving and loans program affecting the micro small medium enterprises income. (2 Due to the women’s saving and loans program there are decreasing number of poverty rate about 20 percent. (3 It is realized that there are some applications of Islamic economics values upon the women’s saving and loans program, they are time extensions, fine replacement, social activities, and the improvement of society welfare.

  14. 44 CFR 206.6 - Donation or loan of Federal equipment and supplies.

    Science.gov (United States)

    2010-10-01

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

  15. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Science.gov (United States)

    2010-07-01

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

  16. 75 FR 77607 - Privacy Act of 1974; Proposed New System of Records; Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2010-12-13

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

  17. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Science.gov (United States)

    2010-10-01

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

  18. 78 FR 8444 - Energy Efficiency and Conservation Loan Program Programmatic Environmental Assessment

    Science.gov (United States)

    2013-02-06

    ... DEPARTMENT OF AGRICULTURE Rural Utilities Service 7 CFR Part 1710 Energy Efficiency and... new program that will implement the Energy Efficiency and Conservation Loan Program (EE). The PEA is... 12 to authorize energy audits and energy efficiency measures and devices to reduce demand on electric...

  19. Entrance Counseling Guide for Direct Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  20. Measuring energy-saving retrofits: Experiences from the Texas LoanSTAR program

    Energy Technology Data Exchange (ETDEWEB)

    Haberl, J.S.; Reddy, T.A.; Claridge, D.E.; Turner, W.D.; O`Neal, D.L.; Heffington, W.M. [Texas A and M Univ., College Station, TX (United States). Energy Systems Lab.

    1996-02-01

    In 1988 the Governor`s Energy Management Center of Texas received approval from the US Department of Energy to establish a $98.6 million state-wide retrofit demonstration revolving loan program to fund energy-conserving retrofits in state, public school, and local government buildings. As part of this program, a first-of-its-kind, statewide Monitoring and Analysis Program (MAP) was established to verify energy and dollar savings of the retrofits, reduce energy costs by identifying operational and maintenance improvements, improve retrofit selection in future rounds of the LoanSTAR program, and initiate a data base of energy use in institutional and commercial buildings located in Texas. This report discusses the LoanSTAR MAP with an emphasis on the process of acquiring and analyzing data to measure savings from energy conservation retrofits when budgets are a constraint. This report includes a discussion of the program structure, basic measurement techniques, data archiving and handling, data reporting and analysis, and includes selected examples from LoanSTAR agencies. A summary of the program results for the first two years of monitoring is also included.

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

    Science.gov (United States)

    Lucci, William, Jr.

    2005-01-01

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

  2. 76 FR 8334 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2011

    Science.gov (United States)

    2011-02-14

    ... Economic Development Loan and Grant Program for Fiscal Year 2011 AGENCY: Rural Business-Cooperative Service... Rural Economic Development Loan and Grant (REDLG) program pursuant to 7 CFR part 4280, subpart A for... Federal Agency: Rural Business-Cooperative Service. Funding Opportunity Type: Rural Economic Development...

  3. 75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

    Science.gov (United States)

    2010-06-25

    ... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the... degree in nursing. Below are details on how the ACA changes Sections 836(a), 836(b)(1), and 836(b)(3) of...

  4. 78 FR 63464 - William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public...

    Science.gov (United States)

    2013-10-24

    ... DEPARTMENT OF EDUCATION William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public Comment Period; Correction AGENCY: Department of Education. ACTION: Correction notice... entitled, ``William D. Ford Federal Direct Loan Program Repayment Plan Selection Form''. ED is extending...

  5. 12 CFR 723.5 - How do you implement a member business loan program?

    Science.gov (United States)

    2010-01-01

    ... with the type of lending the credit union will be engaging in. The experience must provide the credit.... However, the actual decision to grant a loan must reside with the credit union. (b) Conflicts of Interest... program? 723.5 Section 723.5 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING...

  6. 75 FR 69454 - Emergency Homeowners' Loan Program: Notice of Allocation of Funding for Substantially Similar...

    Science.gov (United States)

    2010-11-12

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

  7. 76 FR 7570 - Proposed Collection; Comment Request; National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2011-02-10

    ... years for the General Research Loan Repayment Program (LRP)) in research areas supporting the mission and priorities of the NIH. The AIDS Research LRP (AIDS-LRP) is authorized by section 487A of the... the equivalent, who perform biomedical or behavioral research in NIH intramural laboratories or as...

  8. 76 FR 23606 - Submission for OMB Review; Comment Request; National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2011-04-27

    ... behavioral research in NIH intramural laboratories or as extramural grantees or scientists funded by domestic nonprofit organizations for a minimum of 2 years (3 years for the General Research Loan Repayment Program (LRP)) in research areas supporting the mission and priorities of the NIH. The AIDS Research LRP (AIDS...

  9. 42 CFR 62.24 - Who is eligible to apply for the Loan Repayment Program?

    Science.gov (United States)

    2010-10-01

    ... profession and which is offered by an accredited school in a State or (ii) Be enrolled in an approved... Federal, State or local government entity are not eligible for participation in the Loan Repayment Program. (Approved by the Office of Management and Budget under control number 0915-0127) ...

  10. Geothermal Loan Guaranty Program and its impact on geothermal exploration and development

    Energy Technology Data Exchange (ETDEWEB)

    Nasr, L.H.

    1978-05-01

    The study showed that the Geothermal Loan Guaranty Program has had only a negligible effect on geothermal development and the response to the program was far less than expected. The streamlining of environmental regulations and leasing policies, and the granting of intangible drilling cost write-offs and depletion allowances to operators would have had a greater impact on geothermal energy development. The loan guaranty program did not promote the undertaking of any new projects that would not have been undertaken without it. The program only accelerated the pace for some development which might have commenced in the future. Included in the study are recommendations for improving the operation of the program thereby increasing its attractiveness to potential applicants.

  11. Student Loans and Foreign Schools: Assessing Risks Could Help Education Reduce Program Vulnerability. Report to Congressional Addressees.

    Science.gov (United States)

    Ashby, Cornelia M.

    Recent events have increased concerns about the potential for fraud in student loan programs related to loans for U.S. residents attending foreign schools. In 2002 the Office of Special Investigations of the General Accounting Office (GAO) created a fictitious foreign school that the Department of Education subsequently certified as eligible to…

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

    Science.gov (United States)

    2013-11-01

    .... Department of Agriculture (USDA) prohibits discrimination against its customers, employees, and applicants for employment on the bases of race, color, national origin, age, disability, sex, gender identity....) If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program...

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

    Science.gov (United States)

    2012-07-11

    ... Statement The USDA prohibits discrimination in all its programs and activities on the basis of race, color... SFHGLP. Four commenters expressed understanding of the budgetary motivation for RHS shifting to an up...

  14. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  15. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  16. 75 FR 2800 - Special Community Disaster Loans Program

    Science.gov (United States)

    2010-01-19

    ... purpose of the Special CDL program is not to underwrite pre-disaster budget or deficits of the local... budget which then results in either an operating surplus or deficit. Finally, one commenter stated that... operating deficit. FEMA expects the reassessment will have no impact on the calculation of the operating...

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

    Science.gov (United States)

    2013-12-05

    ... generation and transmission (G&T) borrowers or their distribution members or unaffiliated distribution... Program will be generation and transmission (G&T) borrowers, their distribution members, or unaffiliated...(g), and 1710.408(i). Each of those sections state borrowers shall follow a bulletin or other...

  18. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    .... The term ``MSA (Metropolitan Statistical Area)'' was added as it is a term the Office of Management... statistics. The term ``new dwelling'' was amended to achieve consistency with other Agency program... Government. One respondent recommended establishing a delinquency goal to improve and monitor a lender's...

  19. 5 CFR 1655.14 - Loan payments.

    Science.gov (United States)

    2010-01-01

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

  20. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

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

  1. 13 CFR 400.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

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

  2. 7 CFR 764.401 - Loan decision.

    Science.gov (United States)

    2010-01-01

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

  3. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  4. 13 CFR 500.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 1735.22 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 762.121 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

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

    Data.gov (United States)

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

  8. Performing the Narrators in Jean Stafford's "The Hope Chest."

    Science.gov (United States)

    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…

  9. Key Aspects of the Federal Direct Loan Program's Cost Estimates: Department of Education. Report to Congressional Requesters.

    Science.gov (United States)

    Calbom, Linda M.; Ashby, Cornelia M.

    Because of concerns about the Department of Education's reliance on estimates to project costs of the William D. Ford Federal Direct Loan Program (FDLP) and a lack of historical information on which to base those estimates, Congress asked the General Accounting Office (GAO) to review how the department develops its cost estimates for the program,…

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

    Science.gov (United States)

    2010-06-24

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health Service Act AGENCY... changes Section 723 of the Public Health Service Act (PHSA) regarding administration of the PCL program...

  11. Study of the Insurance Premium Charged to Borrowers under the Guaranteed Student Loan Program. Report No. 3.

    Science.gov (United States)

    Touche Ross and Co., Washington, DC.

    Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…

  12. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 771.5 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

  14. 7 CFR 774.22 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  15. 7 CFR 771.13 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  16. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION... Federal Housing Finance Agency (FHFA) to permit the Federal Home Loan Banks (Banks) until July 30, 2010... Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, Enterprises), the Banks, and...

  17. 76 FR 51435 - Request for Certification of Compliance; Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-08-18

    ... Product/Purpose: The loan, guarantee, or grant application is to support the expansion of business to the... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities... result in: (a) A transfer of any employment or business activity from one area to another by the loan...

  18. Direct Student Loan Program: Management Actions Could Enhance Customer Service. Report to the Ranking Minority Member, Committee on Health, Education, Labor, and Pensions, U.S. Senate.

    Science.gov (United States)

    General Accounting Office, Washington, DC.

    This report suggests to congress that they consider clarifying whether Education may regulate the fees charged to borrowers under the Direct Loan Program. It also suggests that FSA collect information from schools that could be used to make improvements to the Direct Loan Program. (Author)

  19. Federal Student Loan Programs: Opportunities Exist to Improve Audit Requirements and Oversight Procedures. Report to Congressional Committees. GAO-10-668

    Science.gov (United States)

    Daly, Kay L.

    2010-01-01

    The Higher Education Opportunity Act of 2008, Pub. L. No. 110-315, mandated GAO (Government Accountability Office) to study the financial and compliance audits and reviews required or conducted for the Federal Family Education Loan (FFEL) program and the Federal Direct Student Loan (DL) program. The Department of Education's (Education) Office of…

  20. States' experiences with loan repayment programs for health care professionals in a time of state budget cuts and NHSC expansion.

    Science.gov (United States)

    Pathman, Donald E; Morgan, Jennifer Craft; Konrad, Thomas R; Goldberg, Lynda

    2012-01-01

    The landscape of education loan repayment programs for health care professionals has been turbulent in recent years, with doubling of the funding for the National Health Service Corps (NHSC) and cuts in funding for some states' programs. We sought to understand how this turbulence is being felt within the state offices involved in recruiting clinicians to rural and urban underserved communities. We conducted key informant telephone interviews with staff of state offices of rural health, primary care organizations, and/or related organizations within 28 diverse states to answer questions about perceived changes and interplay among solely state-funded loan repayment programs, joint state-federal programs, and the NHSC federal program. Interviews were transcribed, formally analyzed, and key issues summarized. Informants reported that solely state-funded and joint state-federal loan repayment programs are greatly valued for their ability to target a state's particular needs and to complement the NHSC federal program. However, budgets for state programs have been threatened, reduced, or eliminated entirely in many cases. All informants positively perceived the NHSC's recent growth and changes, which they feel are helping fill important workforce needs for their states. Nevertheless, the much larger NHSC federal program now competes with some states' programs for clinicians and service sites; states' programs are pushed to adjust their operations to maintain a unique "niche". States' key recruiters lament reductions in funding for states' loan repayment programs, and welcome the NHSC's recent growth and changes. Better coordination is needed to minimize competition and maximize complementarity between state and federal programs. © 2012 National Rural Health Association.

  1. 78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-07-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  2. 75 FR 41510 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-07-16

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  3. 78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-01-22

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  4. 75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-02-02

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  5. 77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-01-27

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  6. 76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-01-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  7. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-08-04

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  8. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-07-20

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  9. 75 FR 3197 - Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program

    Science.gov (United States)

    2010-01-20

    ... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Notice of a Public Meeting on Administration of the Business and Industry Guaranteed Loan Program AGENCY: Rural Business-Cooperative Service, USDA. ACTION: Notice of public meeting. SUMMARY: The Rural Business-Cooperative Service (RBS), an...

  10. 24 CFR 201.41 - Loan servicing.

    Science.gov (United States)

    2010-04-01

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

  11. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

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

  12. 7 CFR 770.5 - Loan limitations.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  14. 24 CFR 201.10 - Loan amounts.

    Science.gov (United States)

    2010-04-01

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

  15. 5 CFR 1655.21 - Loan fee.

    Science.gov (United States)

    2010-01-01

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

  16. 24 CFR 200.25 - Supplemental loans.

    Science.gov (United States)

    2010-04-01

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

  17. Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Department of Education, Washington, DC.

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

  18. 13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

    Science.gov (United States)

    2010-01-01

    ... a primary industry NAICS code of 713940 (Fitness and Recreational Sports Centers) will be identified... depth of management; (3) Strength of the business; (4) Past earnings, current earnings, and projected... report on its ARC Loans in accordance with requirements established by SBA from time to time for 7a loans...

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

    Science.gov (United States)

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

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

  20. 7 CFR 773.7 - Loan uses.

    Science.gov (United States)

    2010-01-01

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

  1. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  2. 7 CFR 771.15 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  3. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

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

  4. 75 FR 43207 - Request for Certification of Compliance -Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2010-07-23

    ... business venture to acquire land, pay for design and entitlement work, and cover short-term operating... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities...

  5. Farm Programs: Changes to the Marketing Assistance Loan Program Have Had Little Impact on Payments

    National Research Council Canada - National Science Library

    2001-01-01

    .... Department of Agriculture (USDA). This program was designed originally to provide short-term financing so that farmers could pay their bills right after harvest and spread their sales over the entire marketing year...

  6. 75 FR 29569 - Recovery Policy RP9526.1, Hazard Mitigation Funding Under Section 406 (Stafford Act)

    Science.gov (United States)

    2010-05-26

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

  7. 76 FR 12127 - Emergency Homeowners' Loan Program: Announcement of Activation of Program and Availability of...

    Science.gov (United States)

    2011-03-04

    ... are not limited to: Developing and disseminating program marketing materials; Providing an overview of... sale, deed-in-lieu of foreclosure, or traditional sale of home. B. Intermediary to Perform Funds... modification, short sale, deed-in-lieu of foreclosure, or traditional sale of home. 2. Repayment of Emergency...

  8. 7 CFR 773.21 - Loan decision, closing, and fees.

    Science.gov (United States)

    2010-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2011-04-01

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

  10. 7 CFR 1980.481 - Insured loans.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  12. 5 CFR 1655.12 - Loan agreement.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  14. Assessment of an iPad Loan Program in an Academic Medical Library: A Case Study.

    Science.gov (United States)

    Shurtz, Suzanne; Sewell, Robin; Halling, T Derek; McKay, Becky; Pepper, Catherine

    2015-01-01

    An academic medical library expanded its iPad loan service to multiple campus libraries and conducted an assessment of the service. iPads loaded with medical and educational apps were loaned for two-week checkouts from five library campus locations. Device circulation statistics were tracked and users were invited to complete an online survey about their experience. Data were gathered and analyzed for 11 months. The assessment informed the library on how best to adapt the service, including what resources to add to the iPads, and the decision to move devices to campuses with more frequent usage.

  15. Philippines: Population: USAID loan.

    Science.gov (United States)

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

  16. 77 FR 31892 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2012-05-30

    ... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... States Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for...

  17. 78 FR 37584 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2013-06-21

    ... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for the...

  18. 77 FR 22612 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2012-04-16

    ... the receipt of a ``Certification of Non-Relocation and Market and Capacity Information Report'' (Form... States Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor must review the application for financial assistance for...

  19. 77 FR 1955 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2012-01-12

    ... Product/Purpose: The loan, guarantee, or grant application is to finance building construction and to... Dakota. The NAICS industry code for this enterprise is: 311611 (beef produced in slaughtering plants... grants to finance industrial and business activities in rural areas. The Secretary of Labor must review...

  20. 76 FR 32989 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-06-07

    .../Purpose: The loan, guarantee, or grant application is to obtain financing for infrastructure updates... will be located in Burlington, Iowa. The NAICS industry code for this enterprise is: 311812 (commercial..., Assistant Secretary for Employment and Training. [FR Doc. 2011-13937 Filed 6-6-11; 8:45 am] BILLING CODE...

  1. 76 FR 72980 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-11-28

    ... certification process. Comments should address the two bases for certification and, if possible, provide data to... 4279-2) for the following: Applicant/Location: Jekyll Island Ocean Front Hotel Principal Product/Purpose: The loan, guarantee, or grant application is to construct a new full service hotel, which will be...

  2. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

    ...: Paper, disk or CD-ROM submissions should be submitted to VMLRP, Policy and Oversight Division, National... a veterinarian's student loan debt per year if the veterinarian commits to at least three years to... passed into law adding section 1415A to the National Agricultural Research, Extension, and Teaching...

  3. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Science.gov (United States)

    2010-07-01

    ... revolving student loan fund by making a capital distribution of the liquid assets of the Fund according to... discharged by the Secretary in accordance with § 674.61(b). (iii) For the purpose of this section, funds obtained by income tax offset, garnishment, income or asset execution, or pursuant to a judgment are not...

  4. 77 FR 27798 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2012-05-11

    ... 4279-2) for the following: Applicant/Location: Tri Marine Samoa, Inc. Principal Product/Purpose: The loan, guarantee, or grant application will establish a new fresh and frozen fish processing facility... is responsible for the review and certification process. Comments should address the two bases for...

  5. 75 FR 17303 - Section 108 Community Development Loan Guarantee Program: Participation of States as Borrowers...

    Science.gov (United States)

    2010-04-06

    ... with access to long-term (up to 20-year) fixed-rate loans at relatively low interest rates to finance certain categories of eligible CDBG projects. Historically, section 108 guarantee authority has been... local governments in nonentitlement areas. The July 22, 2009, interim rule implemented the expansion of...

  6. 76 FR 21041 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-04-14

    ..., equipment and start-up costs of a cooperative based full-service retail grocery store that will carry mostly... convenience) stores). DATES: All interested parties may submit comments in writing no later than April 28... loans or grants to finance industrial and business activities in rural areas. The Secretary of Labor...

  7. 76 FR 32989 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-06-07

    ... real estate and construction of a new location of Buc-ee's (gas station and convenience store), which...: 447110 (gasoline stations with convenience stores). DATES: All interested parties may submit comments in... Department of Agriculture to make or guarantee loans or grants to finance industrial and business activities...

  8. 76 FR 41302 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-07-13

    ... venture involving a Chevron gas station, Burger King Restaurant, McAlister's Deli and a convenience store... (gasoline stations with convenience stores) and 722211 (limited-service restaurants). DATES: All interested... from one area to another by the loan applicant's business operation; or, (b) An increase in the...

  9. Astronaut Thomas Stafford during water egress training in Gulf of Mexico

    Science.gov (United States)

    1965-01-01

    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.

  10. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

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

  11. Financial Statement Audit: U.S. Department of Education, Federal Direct Student Loan Program for the Year Ended September 30, 1994. Audit Control Number 17-48320.

    Science.gov (United States)

    Office of Inspector General (ED), Washington, DC.

    An independent audit was done of the principal financial statements of the William D. Ford Federal Direct Loan Program of the Department of Education for the year ending September 30, 1994. In planning and performing the review the auditors considered the internal control structure of the program in order to determine auditing procedures. The…

  12. Medicare program; offset of Medicare payments to individuals to collect past-due obligations arising from breach of scholarship and loan contracts--HCFA. Final rule.

    Science.gov (United States)

    1992-05-04

    This final rule sets forth the procedures to be followed for collection of past-due amounts owed by individuals who breached contracts under certain scholarship and loan programs. The programs that would be affected are the National Health Service Corps Scholarship, the Physician Shortage Area Scholarship, and the Health Education Assistance Loan. These procedures would apply to those individuals who breached contracts under the scholarship and loan programs and who-- Accept Medicare assignment for services; Are employed by or affiliated with a provider, Health Maintenance Organization, or Competitive Medical Plan that receives Medicare payment for services; or Are members of a group practice that receives Medicare payment for services. This regulation implements section 1892 of the Social Security Act, as added by section 4052 of the Omnibus Budget Reconciliation Act of 1987.

  13. 78 FR 38006 - Inviting Applications for the Rural Economic Development Loan and Grant Program for Fiscal Year 2013

    Science.gov (United States)

    2013-06-25

    ... Statistical Report;'' and RUS Form 7a, ``Investments, Loan Guarantees, and Loans,'' or similar information... accordance with 2 CFR part 170. Corporate Felony Convictions and Corporate Felony Tax Delinquencies...

  14. 7 CFR 771.14 - Loan monitoring.

    Science.gov (United States)

    2010-01-01

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

  15. 7 CFR 761.8 - Loan Limitations.

    Science.gov (United States)

    2010-01-01

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

  16. Financial Audit. Federal Family Education Loan Program's Financial Statements for Fiscal Years 1993 and 1992. Report to the Congress and the Secretary of Education.

    Science.gov (United States)

    General Accounting Office, Washington, DC.

    This report presents findings of an audit of the Principal Statements of the Department of Education's (ED) Federal Family Education Loan Program (FFELP) and its internal controls and compliance with laws and regulations for the fiscal years ending September 30, 1993, and September 30, 1992. The audit investigated whether the Principal Statements…

  17. Better Cash Management Can Reduce the Cost of the National Direct Student Loan Program. Report to the Congress by the Comptroller General of the United States.

    Science.gov (United States)

    Comptroller General of the U.S., Washington, DC.

    The Office of Education has allowed schools participating in the National Direct Student Loan Program to hold more than an annual average of $63 million in federal funds in excess of their 30-day needs. The General Accounting Office estimates that if the Treasury had this money it could save the government interest costs of as much as $4 million,…

  18. A Comparison of the J-1 Visa Waiver and Loan Repayment Programs in the Recruitment and Retention of Physicians in Rural Nebraska.

    Science.gov (United States)

    Opoku, Samuel T; Apenteng, Bettye A; Lin, Ge; Chen, Li-Wu; Palm, David; Rauner, Thomas

    2015-01-01

    There is a dearth of literature evaluating the effectiveness of programs aimed at recruiting and retaining physicians in rural Nebraska. Taking advantage of the Nebraska Health Professional Tracking System, this study attempts to comparatively assess the effectiveness of the J-1 visa waiver and state loan repayment programs in the recruitment and retention of physicians in rural Nebraska. A mixed methods approach was used. We tracked 240 physicians who enrolled in the J-1 visa waiver and state loan repayment programs between 1996 and 2012 until 2013. In addition, key informant interviews were conducted to obtain perspectives on the recruitment and retention of physicians in rural Nebraska through the 2 programs. Results from multilevel survival regression analysis indicated that physicians enrolled in the J-1 visa waiver program were more likely to leave rural Nebraska when compared with those enrolled in the state loan repayment program. Participants in the qualitative study, however, cautioned against declaring one program as superior over the other, given that the 2 programs addressed different needs for different communities. In addition, results suggested that fostering the integration of physicians and their families into rural communities might be a way of enhancing retention, regardless of program. The findings from this study highlight the complexity of recruitment and retention issues in rural Nebraska and suggest the need for more holistic and family-centered approaches to addressing these issues. © 2015 National Rural Health Association.

  19. 42 CFR 57.314 - Repayment of loans made after November 17, 1971, for failure to complete a program of study. 2

    Science.gov (United States)

    2010-10-01

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

  20. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 766.112 - Additional security for restructured loans.

    Science.gov (United States)

    2010-01-01

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

  2. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

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

  3. Stafford fault system: 120 million year fault movement history of northern Virginia

    Science.gov (United States)

    Powars, David S.; Catchings, Rufus D.; Horton, J. Wright; Schindler, J. Stephen; Pavich, Milan J.

    2015-01-01

    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.

  4. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

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

  5. Would an Influenza Pandemic Qualify as a Major Disaster Under the Stafford Act?

    Science.gov (United States)

    2009-12-15

    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

  6. Allocation of budget funds on agricultural loan programs: Group consensus decision making in the provincial fund for agricultural development of Vojvodina province in Serbia

    Directory of Open Access Journals (Sweden)

    Blagojević Boško

    2012-09-01

    Full Text Available This paper presents a novel approach that could be used for scientifically verified group decision making for the allocation of budget funds on agricultural loan programs in the Provincial Fund for Agricultural Development of Vojvodina Province in Serbia. An approach is structured based on the Analytic Hierarchy Process, a recognized multi-criteria method suitable for supporting both individual and group decision making processes. The decision makers' weights in a group are derived in an objective manner and based on demonstrated individual consistency while assessing and evaluating elements within the decision-making framework. A real life application is used to demonstrate how the four key decision-makers can individually evaluate and rank agricultural loan programs and how their decisions are afterwards compiled into the final consensus based group decision.

  7. Highlights on the World Bank Loan Schistosomiasis Control Program in China (1991-1998): a special focus on Hunan Province.

    Science.gov (United States)

    Dongbao, Y; Ross, A G; Musheng, X; Yuesheng, L; Yan, C

    1999-12-01

    A region-wide sampling survey was conducted in 1995 in order to evaluate the current epidemiological status of schistosomiasis japonica in Hunan Province, China. A total of 45,590 humans and 3,726 domestic animals, from 52 villages, were examined parasitologically and/or serologically for current Schistosoma japonicum infections. In uncontrolled endemic areas (43 villages) the overall human prevalence of S. japonicum was 7.81% across the different geographical subtypes. The geometric mean intensity of infection was 17.71 eggs per gram (epg) among infected individuals and only 1.25 epg in the general population. The bovine prevalence, as determined by the hatching test, was 9.63% in the uncontrolled endemic villages. Only one sero-positive (by indirect hemagglutination assay) child was found among 1,072 children tested aged 10-14 years in the 9 endemic villages under effective control. No infection was confirmed by the Kato-Katz thick smear stool examination. When the results of this survey were compared to those seen at baseline (1989) an overall reduction of 45.65% was seen in the human prevalence but no significant change was apparent in the lake-beach ecotype. Additionally, there was more than a 60% reduction in the prevalence among bovines over the same sampling period. The results demonstrate that the World Bank Loan Schistosomiasis Program was successful in achieving its most basic objectives for this province - to reduce human and bovine infections by 40%.

  8. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Science.gov (United States)

    2010-10-01

    ... IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.214 Repayment of loans made... complete these studies, taking into account such factors as academic, medical, or financial difficulties...

  9. 75 FR 4963 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2010-01-29

    ... the existing program requirement. The current downturn in the economy, which has reduced the... refinancing was not as great as was the need for financing for new construction, renovation and rehabilitation... conditioning the refinancing on new construction or renovation. The Section 223(f) refinancing authority as a...

  10. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ... available through other sources, and to eliminate from eligibility hospitals with poor financial performance... terminology, based on experience to date, to facilitate understanding how the Section 242 program works. C... divide other. Additionally, revises certain threshold factors that make an initial determination of a...

  11. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

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

  12. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Science.gov (United States)

    2010-10-01

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

  13. 7 CFR 1751.103 - Loan and loan advance requirements.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Miller, Gavin

    2017-04-26

    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.

  15. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

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

  16. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

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

  17. 26 CFR 1.42-3 - Treatment of buildings financed with proceeds from a loan under an Affordable Housing Program...

    Science.gov (United States)

    2010-04-01

    ... INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.42-3...)(D). Thus, any building with respect to which the proceeds of the loan are used during the tax year... building for that tax year and subsequent tax years for purposes of determining the applicable percentage...

  18. 77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

    Science.gov (United States)

    2012-08-01

    ... loans for eligible students to pay the costs of a student's attendance at an eligible institution of... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins... technology. Please note that written comments received in response to this notice will be considered public...

  19. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

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

  20. 7 CFR 772.10 - Transfer and assumption-AMP loans.

    Science.gov (United States)

    2010-01-01

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

  1. Department of Education's Student Loan Programs: Are Tax Dollars at Risk? Hearing before the Subcommittee on Criminal Justice, Drug Policy, and Human Resources of the Committee on Government Reform. House of Representatives, One Hundred Sixth Congress, First Session.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. House Committee on Government Reform.

    This hearing was held to consider whether the student loan programs of the Department of Education place tax dollars at risk. In his opening remarks, Representative John L. Mica (Florida) pointed out that for nearly 10 years, the U.S. General Accounting Office has labeled these programs as a high risk for fraud, waste, abuse, and mismanagement. In…

  2. 78 FR 33755 - Project Financing Loans

    Science.gov (United States)

    2013-06-05

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

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

    Science.gov (United States)

    Deitch, Kenneth M.

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

  4. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

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

  5. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

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

  6. 13 CFR 120.1707 - Seller's retained Loan Interest.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

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

  12. 78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

    Science.gov (United States)

    2013-08-09

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

  13. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

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

  14. 75 FR 23218 - Information Collection; Direct Loan Servicing-Regular

    Science.gov (United States)

    2010-05-03

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

  15. 34 CFR 682.507 - Due diligence in collecting a loan.

    Science.gov (United States)

    2010-07-01

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

  16. 13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

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

  17. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Project on Student Debt, 2016

    2016-01-01

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

  19. 13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

    Science.gov (United States)

    2010-01-01

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

  20. 77 FR 29988 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-05-21

    ... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... borrowers in the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL... of Collection: William D. Ford Federal Direct Loan Program Deferment Request Forms. OMB Control...

  1. 76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-12-20

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

  2. 25 CFR 101.2 - Kinds of loans.

    Science.gov (United States)

    2010-04-01

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

  3. 24 CFR 232.565 - Maximum loan amount.

    Science.gov (United States)

    2010-04-01

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

  4. 34 CFR 682.209 - Repayment of a loan.

    Science.gov (United States)

    2010-07-01

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

  5. Public Service Loan Forgiveness. NASFAA Task Force Report

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

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

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

    Science.gov (United States)

    Department of Education, Washington, DC.

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

  7. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

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

  8. 7 CFR 2201.28 - Participation in guaranteed Loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Congressional Budget Office, 2013

    2013-01-01

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

  10. 13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 3575.80 - Interest rate changes after loan closing.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

    Science.gov (United States)

    2010-01-01

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

  13. 46 CFR 381.7 - Federal Grant, Guaranty, Loan and Advance of Funds Agreements.

    Science.gov (United States)

    2010-10-01

    ... are generated by U.S. Government Grant, Guaranty, Loan and/or Advance of Funds Programs, the head of... freight revenue and tonnage of cargo generated by the U.S. Government Grant, Guaranty, Loan or Advance of... funds granted, guaranteed, loaned, or advanced by the U.S. Government under this agreement, and which...

  14. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

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

  15. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

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

  16. Bad Loans and Loan Write-Offs

    OpenAIRE

    福田, 慎一; 鯉渕, 賢

    2006-01-01

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

  17. 7 CFR 1710.50 - Insured loans.

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 1710.51 - Direct loans.

    Science.gov (United States)

    2010-01-01

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

  19. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-08-29

    ... Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program... Federal Student Aid announces the interest rates for the period July 1, 2013, through June 30, 2014, for..., 2010. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates...

  20. Guaranteed Student Loan Amendments of 1976. Ninety-fourth Congress, Second Session. Report No. 94-1232.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. House.

    A report on the Guaranteed Student Loan Amendments (H.R. 14070) to Title IV of the Higher Education Act of 1965 considers the problems behind and implications of the loan program. Chief among the problems are the default rate, access to loans, the schools as lenders, and the role of the states in administering the program. Changes recommended…

  1. 77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-09-24

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

  2. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

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

  3. 7 CFR 1710.406 - Loan approval.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 1710.113 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 1738.22 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

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

  7. 13 CFR 120.1701 - Program purpose.

    Science.gov (United States)

    2010-01-01

    ... facilitate the sale of such loans and increase the liquidity of the lenders holding the loans so that the lenders can use the sale proceeds to fund more such loans. The Program's authorization expires on February...

  8. Private Loans: Facts and Trends

    Science.gov (United States)

    Institute for College Access & Success, 2014

    2014-01-01

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

  9. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

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

  10. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

  11. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

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

  12. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Mercè Cuenca

    2009-06-01

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

  14. 75 FR 78730 - Federal Housing Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot...

    Science.gov (United States)

    2010-12-16

    ... Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Period... proposal to conduct an FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program or Pilot Program... Efficient Mortgage Innovation pilot program targeted to the single family housing market, and the Retrofit...

  15. 78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-01-25

    ... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the... announces the interest rates for the period July 1, 2012, through June 30, 2013, for certain loans made... give notice of FFEL Program loan interest rates to the public. DATES: This notice is effective January...

  16. 7 CFR 1610.4 - Loan applications.

    Science.gov (United States)

    2010-01-01

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

  17. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 1980.310 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

  19. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  20. 78 FR 23742 - Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment...

    Science.gov (United States)

    2013-04-22

    ... DEPARTMENT OF AGRICULTURE National Institute of Food and Agriculture Nomination Form of Veterinary Shortage Situations for the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute... information collection for the Veterinary Medicine Loan Repayment Program (VMLRP). This notice initiates a 30...

  1. 25 CFR 103.6 - To what extent will BIA guarantee or insure a loan?

    Science.gov (United States)

    2010-04-01

    ... insurance percentage rate that satisfies the lender's risk management requirements. (d) Absent exceptional... lender has insured under the Program as of the date the lender makes a claim under its insurance coverage... outstanding loans from the same lender to the same borrower; or (2) One loan guaranty under the Program when...

  2. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

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

  3. 27 CFR 6.61 - Guaranteeing loans.

    Science.gov (United States)

    2010-04-01

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

  4. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR Appendix C to Subpart C of... - FSA-2514, Notice of Availability of Loan Servicing to Borrowers Who Are in Non-Monetary Default

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Atuahene, Francis

    2008-01-01

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

  7. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

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

  8. DEVELOPMENT OF THE AGRICULTURAL SECTOR FROM MOLDOVA THROUGH AGRICULTURE LOANS

    Directory of Open Access Journals (Sweden)

    Aliona SARGO

    2013-01-01

    Full Text Available Financial institutions present on the market become more attentive when they have to give loans to the agriculture sector. The lack of necessary guarantees the low profit registered in agricultural district, economy instability and other things had and continue to have a negative impact on the evolution of agricultural sector, this being seen as one with a high level of risk. Commercial banks use less own funds for lending to agriculture and especially when the loans are guaranteed from various funds, programs or foreign donor agencies. Farmers find it difficult to bank loans because of collateral amount required is too high. However, commercial banks in Moldova provide agricultural loans, thus increasing the economic efficiency of agriculture.

  9. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-01-01

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

  10. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

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

  11. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

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

  12. 76 FR 71060 - Clarification of Duplication of Benefits Requirements Under the Stafford Act for Community...

    Science.gov (United States)

    2011-11-16

    ... Hospitals, as applicable). State grantees are subject to 24 CFR 570.489(d), which requires that states shall..., SBA, other local, state, or Federal programs, and private or nonprofit charity organizations. See...

  13. 75 FR 57866 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2010-09-23

    ... specified in 7 CFR 766.351(c). Negligence and Negligent Servicing FSA may deny a loss claim in whole or in part due to seller negligence and negligent servicing that contributed to the loss claim. This also...

  14. 76 FR 75427 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2011-12-02

    ... Establishment of Federal debt and Agency recovery of loss claim payments. 763.22 Negligence and negligent... the extent that any negligence contributed to the loss under Sec. 763.22. Sec. 763.4 Authorized land... this chapter. Sec. 763.22 Negligence and negligent servicing. (a) The Agency may deny a loss claim in...

  15. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

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

  16. 7 CFR 1735.73 - Loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737. ...

  17. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  18. 24 CFR 573.4 - Loan term.

    Science.gov (United States)

    2010-04-01

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

  19. 5 CFR 1620.35 - Loan payments.

    Science.gov (United States)

    2010-01-01

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

  20. 24 CFR 1007.35 - Loan terms.

    Science.gov (United States)

    2010-04-01

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

  1. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

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

  2. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

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

  3. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

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

  4. Software-Based Visual Loan Calculator For Banking Industry

    Science.gov (United States)

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

    2012-03-01

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

  5. 34 CFR 674.50 - Assignment of defaulted loans to the United States.

    Science.gov (United States)

    2010-07-01

    ...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence... to collect on the loan despite complying with the diligence procedures, including at least a first... all of the due diligence requirements described in paragraph (a)(1) of this section if the institution...

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

    Science.gov (United States)

    2010-07-01

    ... agreement to capitalize revolving loan funds must either apply its own fair share objectives negotiated with... UNITED STATES ENVIRONMENTAL PROTECTION AGENCY PROGRAMS Fair Share Objectives § 33.402 Are there special... negotiate separate fair share objectives with entities receiving identified loans, as long as such separate...

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

    Science.gov (United States)

    2010-01-01

    ... determining that an applicant has the operational, financial, and management resources necessary to repay the debt from cashflow (2) That are appropriate for each loan program and the institution's risk-bearing... loan underwriting standards. Under the policies of its board, each institution shall adopt written...

  8. 7 CFR 1714.5 - Determination of interest rates on municipal rate loans.

    Science.gov (United States)

    2010-01-01

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

  9. 13 CFR 120.1712 - Seller responsibilities with respect to Seller's Pool Loan.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller responsibilities with respect to Seller's Pool Loan. 120.1712 Section 120.1712 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504...

  10. 78 FR 45515 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-07-29

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

  11. Corporate boards and bank loan contracting

    OpenAIRE

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

    2012-01-01

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

  12. A new Loan-Stock Financial Instrument

    OpenAIRE

    Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri

    2000-01-01

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

  13. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

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

  14. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

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

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

    Science.gov (United States)

    2010-07-01

    ... FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Administration of the Federal Family Education Loan Programs... the medical professional who provided the medical care; and (C) The individual is unable to work and... payable on a discharge claim is— (i) An amount equal to the sum of the remaining principal balance and...

  16. 7 CFR 1703.142 - Nonapproved purposes for loans.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.142... provider; (2) To duplicate facilities providing distance learning or telemedicine services in place or to...) For projects located in areas covered by the Coastal Barrier Resources Act (16 U.S.C. 3501 et seq...

  17. 7 CFR 1703.141 - Approved purposes for loans.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.141... the project, including vehicles utilizing distance learning and telemedicine technology to deliver...) Providing links between teachers and students or medical professionals who are located at the same facility...

  18. 7 CFR 1700.55 - Telecommunications Program.

    Science.gov (United States)

    2010-01-01

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

  19. 7 CFR 1700.54 - Electric Program.

    Science.gov (United States)

    2010-01-01

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

  20. The College Opportunity Grant Program of the California State Scholarship and Loan Commission; A Report on and Evaluation of the 1969 and 1970 COG Selection Procedures.

    Science.gov (United States)

    Klingelhofer, Edwin L.

    The College Opportunity Grant (COG) program was established by the California legislature in 1968 and was intended to provide monetary grants to financially needy students, primarily from ethnic minorities, to assist them while attending college. This paper contains: (1) a side-by-side description of the characteristics of the 1969 and 1970…

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

    African Journals Online (AJOL)

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

  2. 40 CFR 33.303 - Are there special rules for loans under EPA financial assistance agreements?

    Science.gov (United States)

    2010-07-01

    ... UNITED STATES ENVIRONMENTAL PROTECTION AGENCY PROGRAMS Good Faith Efforts § 33.303 Are there special... identified loans comply with the good faith efforts described in § 33.301 and the contract administration...

  3. Single Family Loan Sale Initiative - National Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  4. Discriminant Analysis of Student Loan Applications

    Science.gov (United States)

    Dyl, Edward A.; McGann, Anthony F.

    1977-01-01

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

  5. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

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

  6. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

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

  7. 75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-09-16

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

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

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

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

  9. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

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

  10. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

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

  11. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  12. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  13. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

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

  14. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  15. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

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

  16. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

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

    2011-01-01

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

  17. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

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

  18. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

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

  19. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  20. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  2. Interlibrary Loan Communications Subsystem: Users Manual.

    Science.gov (United States)

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

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

  3. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

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

  4. Microcomputers: An Interlibrary Loan Application.

    Science.gov (United States)

    Evans, Elizabeth A.

    1984-01-01

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

  5. 78 FR 45494 - Notice of Second Sugar Purchase and Exchange for Re-export Program Credits

    Science.gov (United States)

    2013-07-29

    ... have saved CCC $66.9 million in Sugar Program costs by reducing the amount of sugar loan collateral... collateral for CCC loan, as the purpose of this action is to reduce the forfeitures of loan collateral under... of later acquiring the sugar through loan forfeiture under the Sugar Program. The purchase invitation...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2014-05-30

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

  7. Bank Consolidation and Consumer Loan Interest Rates

    OpenAIRE

    Charles Kahn; George Pennacchi; Ben Sopranzetti

    2001-01-01

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

  8. Californium-252 sales and loans at Oak Ridge National Laboratory

    International Nuclear Information System (INIS)

    King, L.J.

    1987-01-01

    The production and distribution in the United States of 252 Cf has recently been consolidated at the Oak Ridge National Laboratory (ORNL). The 252 Cf Industrial Sales/Loan Program and the 252 Cf University Load Program, which were formerly located at the Savannah River Plant (SRP), have been combined with the californium production and distribution activities of the Transuranium Element Production Program at ORNL. Californium-252 is sold to commercial users in the form of bulk californium oxide, palladium-californium alloy pellets, or alloy wires. Neutron source capsules, which are fabricated for loans to DOE or other US government agencies, are still available in all forms previously available. The consolidation of all 252 Cf distribution activities at the production site is expected to result in better service to users. In particular, customers for neutrons sources will be ale to select from a wider range of neutron source forms, including custom designs, through a single contact point

  9. 13 CFR 123.404 - When is your business ineligible to apply for a pre-disaster mitigation loan?

    Science.gov (United States)

    2010-01-01

    ... SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.404 When is your...) Your business is an agricultural enterprise. Agricultural enterprise means a business primarily engaged (see § 121.107 of this chapter) in the production of food and fiber, ranching and raising of livestock...

  10. 13 CFR 123.300 - Is my business eligible to apply for an economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

    ... BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.300 Is my business... businesses do not include agricultural enterprises, but do include— (1) Small nurseries affected by a drought... percent or more of their annual receipts from the production and sale of ornamental plants and other...

  11. 7 CFR 3575.73 - Replacement of loss, theft, destruction, mutilation, or defacement of Loan Note Guarantee or...

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Replacement of loss, theft, destruction, mutilation... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.73 Replacement of loss, theft, destruction... circumstances of the loss, theft, or destruction of the Loan Note Guarantee or Assignment Guarantee Agreement...

  12. 13 CFR 123.19 - May I request an increase in the amount of an economic injury loan?

    Science.gov (United States)

    2010-01-01

    ... amount of an economic injury loan? 123.19 Section 123.19 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Overview § 123.19 May I request an increase in the amount of an economic... increase is essential for your business to continue and is based on events occurring after SBA approved...

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

    International Nuclear Information System (INIS)

    1992-07-01

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

  14. Technical Facilities Management, Loan Pool, and Calibration

    Science.gov (United States)

    Smith, Jacob

    2011-01-01

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

  15. Arkansas' Anemometer Loan Program

    Energy Technology Data Exchange (ETDEWEB)

    Fernando Vego

    2012-10-11

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

  16. 76 FR 11946 - Emergency Homeowners' Loan Program

    Science.gov (United States)

    2011-03-04

    ... applications. 2700.305 Conditions of insurance. 2700.310 Fees. 2700.315 Insurance premium. 2700.320 Servicing... 12 CFR 226.4, a section in Regulation Z of the Federal Reserve System's regulations on Truth in... cumulative annual adjusted gross income of the homeowner, co-makers, and co-signers on the note secured by...

  17. 75 FR 54005 - Conservation Loan Program

    Science.gov (United States)

    2010-09-03

    ... reduced application exemption. This is necessary to fully assess the problem and correct any delinquency... capital and collateral position, but these criteria, which indicate a solid past history of debt repayment...

  18. 78 FR 26485 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2013-05-07

    ... community facility such as childcare, educational, or health care facilities; and amending Sec. 3575.25... manner delineated in 7 CFR part 3015, subpart V. Executive Order 12988, Civil Justice Reform This rule has been reviewed under Executive Order 12988, Civil Justice Reform. In accordance with this rule: (1...

  19. IREDA guidelines for loan assistance

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

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

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

    NARCIS (Netherlands)

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

    2013-01-01

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

  1. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

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

  2. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

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

  5. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

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

  6. 24 CFR 201.51 - Proceeding against the loan security.

    Science.gov (United States)

    2010-04-01

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

  7. 7 CFR 1735.46 - Loan security documents.

    Science.gov (United States)

    2010-01-01

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

  8. 7 CFR 1718.104 - Availability of model loan contract.

    Science.gov (United States)

    2010-01-01

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

  9. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

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

  10. Syndicated Loan Signed for CPECC'S KUWAIT Project

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

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

  11. Collateralised loan obligations (CLOs): A primer

    OpenAIRE

    Jobst, Andreas A.

    2002-01-01

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

  12. Collateral in Loan Classification and Provisioning

    OpenAIRE

    In W Song

    2002-01-01

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

  13. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

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

  14. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

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

  15. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

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

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

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

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

  17. 76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date

    Science.gov (United States)

    2011-07-19

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

  18. 78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

    Science.gov (United States)

    2013-01-04

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

  19. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

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

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

    OpenAIRE

    Thorsten Beck; Patrick Behr; Andre Guettler

    2013-01-01

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

  1. The determinants of loan contracts to business firms

    OpenAIRE

    Pham, Thi Thu Trà; Lensink, Robert

    2006-01-01

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

  2. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

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

  3. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

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

  4. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

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

  5. Reactor upgrade loans in spring?

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

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

  6. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

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

  7. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

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

    African Journals Online (AJOL)

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

  9. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  10. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

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

  11. The Confidentiality of Interlibrary Loan Records.

    Science.gov (United States)

    Nolan, Christopher W.

    1993-01-01

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

  12. Economic Loan Loss Provision and Expected Loss

    Directory of Open Access Journals (Sweden)

    Stefan Hlawatsch

    2010-10-01

    Full Text Available The intention of a loan loss provision is the anticipation of the loan's expected losses by adjusting the book value of the loan. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and, in the case of a difference, liable equity has to be adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS. Therefore, differences between loan loss provisions and expected losses should only result from different approaches regarding the parameter estimation within each model and not due to different assumptions regarding the outcome of the model. The provisioning and accounting model developed in this paper overcomes the before-mentioned shortcomings and is consistent with an economic rationale of expected losses. Additionally, this model is based on a close-to-market valuation of the loan that is in favor of the basic idea of IFRS. Suggestions for changes in current accounting and capital requirement rules are provided.

  13. 19 CFR 351.506 - Loan guarantees.

    Science.gov (United States)

    2010-04-01

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

  14. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

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

  15. Tranching in the Syndicated Loan Market

    NARCIS (Netherlands)

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

    2011-01-01

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

  16. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

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

    2013-01-01

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

  17. Uranium loans: Delaying the day of reckoning

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

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

  18. Logit Analysis for Profit Maximizing Loan Classification

    OpenAIRE

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

    1988-01-01

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

  19. 44 CFR 206.367 - Loan repayment.

    Science.gov (United States)

    2010-10-01

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

  20. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

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

  1. The influence of loan repayment on rural healthcare provider recruitment and retention in Colorado.

    Science.gov (United States)

    Renner, Daniel M; Westfall, John M; Wilroy, Lou Ann; Ginde, Adit A

    2010-01-01

    There is an ongoing shortage of rural healthcare providers relative to urban healthcare providers worldwide. Many strategies have been implemented to increase the distribution of rural healthcare providers, and financial incentives such as loan repayment programs have become popular means to both recruit and retain healthcare providers in rural communities. Studies detailing the effects of such programs on rural provider recruitment and retention are limited. The objective of this study was to assess the influence of loan repayment and other factors on the recruitment and retention of healthcare providers in rural Colorado, USA, and to compare the motivations and attitudes of these rural providers with their urban counterparts. A survey was sent to 122 healthcare providers who had participated in one of three loan repayment programs in Colorado between the years of 1992 and 2007: the Colorado Health Professional Loan Repayment Program; the Colorado Rural Outreach Program; and the Dental Loan Repayment Program of Colorado. Differentiation between rural and urban communities was accomplished by using the Rural Urban Commuting Area Codes developed by the University of Washington's Rural Health Research Center and Economic Research Service. Statistical analysis was performed using STATA from StataCorp. Of the 93 respondents included in the study, 57 worked in rural communities and 36 worked in urban communities during their programs. Of the rural participants, 74% were already working in or intending to work in an eligible community when they were made aware of the loan repayment program. Of those planning to work in a rural community regardless of any loan repayment option, 42% reported that the loan repayment program had an important influence on the specific community in which they chose to practice. Of the rural participants already working in a rural community, 38% reported loan repayment as being an important factor in their retention. The most important factors

  2. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 561.30 - Nonresidential construction loan.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 1421.104 - Marketing assistance loan making.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 1610.5 - Minimum Bank loan.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 1737.60 - Telephone loan budget.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

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

  8. 42 CFR 57.213a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

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

  10. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  11. 7 CFR 1436.8 - Security for loan.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 160.74 - Loan of standards without security.

    Science.gov (United States)

    2010-01-01

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

  13. 24 CFR 1007.30 - Security for loan.

    Science.gov (United States)

    2010-04-01

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

  14. 7 CFR 1421.113 - Recourse marketing assistance loans.

    Science.gov (United States)

    2010-01-01

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

  15. 49 CFR 22.57 - Loan reporting requirements.

    Science.gov (United States)

    2010-10-01

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

  16. 13 CFR 120.400 - Loan Guarantee Agreements.

    Science.gov (United States)

    2010-01-01

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

  17. 24 CFR 510.1 - Multi-family property loans.

    Science.gov (United States)

    2010-04-01

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

  18. 13 CFR 120.546 - Loan asset sales.

    Science.gov (United States)

    2010-01-01

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

  19. Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).

    Science.gov (United States)

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

    This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…

  20. (Case Study: Management of Loans by Private Banks

    Directory of Open Access Journals (Sweden)

    Farsijani Farsijani

    2013-07-01

    Full Text Available The importance of the right choice of investment projects is very clear in our own country so that if the correct method based on pattern and scientific criteria for assessing specific plans and measures suitable for budgeting and resource allocation and planning had already seen half the work, or stay and become many non-economic plans. Private sector profitability condition as the criterion of governmental authorities saw the necessity of other factors including political considerations and design. Investment banks and commercial evaluation of projects in one hand and plan to be profitable categories on the other hand should develop programs and projects coordinated macro country. In this study, using the experiences of Iranian experts in providing loans to customers, a model was provided to be an expert system. The expert system presented in this study based on quantitative and qualitative factors considered in the evaluation process, experts from the banking loan requests is a private bank. To provide the expert system, the Bank study documents and research in the world and using interviews and questionnaires framework decision proposed expert system evaluation criteria for acceptance or rejection of requests bank customers are offered loans.

  1. Guaranteed Student Loans: Analysis of Insurance Premiums Charged by Guaranty Agencies. Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    Science.gov (United States)

    Comptroller General of the U.S., Washington, DC.

    The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

  2. Shopping Center Financing: Pricing Loan Default Risk

    OpenAIRE

    Peter Chinloy; James Musumeci

    1994-01-01

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

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

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

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

  4. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

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

  5. 24 CFR 570.705 - Loan requirements.

    Science.gov (United States)

    2010-04-01

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

  6. 7 CFR 1980.411 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

  7. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

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

  8. A New Opportunity: Loans from Annuities.

    Science.gov (United States)

    Salzarulo, W. Peter

    1984-01-01

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

  9. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

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

  10. Loans may keep CERN collider on target

    CERN Multimedia

    Abbott, A

    1996-01-01

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

  11. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

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

  12. 7 CFR 1700.29 - Telecommunications Program.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1700.28 - Electric Program.

    Science.gov (United States)

    2010-01-01

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

  14. 13 CFR 120.1702 - Program fee.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Program fee. 120.1702 Section 120.1702 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1702 Program fee. Ongoing...

  15. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

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

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

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

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

  17. 38 CFR 36.4225 - Authority to close manufactured home loans on the automatic basis.

    Science.gov (United States)

    2010-07-01

    ... involving major discrepancies which are discovered under the system must be reported to VA. (iii) System... nonsupervised lenders of the class described in paragraph 3702(d)(3) of title 38 U.S. Code shall pay fees as... participating in VA's Loan Guaranty Program shall pay fees as follows: (1) $100 fee for each agent approval; and...

  18. 7 CFR 4290.845 - Maximum rate of amortization on Loans and Debt Securities.

    Science.gov (United States)

    2010-01-01

    ...) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BUSINESS INVESTMENT COMPANY (âRBICâ) PROGRAM Financing of Enterprises by RBICs Structuring Rbic Financing of Eligible Enterprises-Types of Financings § 4290.845 Maximum rate of amortization on Loans and Debt Securities. The...

  19. Secondary Mortgage Market: Information on Underwriting and Home Loans in the Atlanta Area

    Science.gov (United States)

    1990-11-01

    program which must be used in connection with the insuring of loans in these areas. Finally, HUD states that gentrification may reverse the rate of...decline of an older neighborhood assuming it is not subject to heavy commercial or industrial encroachment. Gentrification occurs when people move into

  20. Direct Student Loans: Overpayments during the Department of Education's Conversion to a New Payment System.

    Science.gov (United States)

    Joyner, Carlotta C.

    This report addresses concerns that the Department of Education may have erroneously made overpayments of as much as $400 million to schools participating in the William D. Ford Federal Direct Loan Program (FDLP) during the Department's conversion to a new computerized payment system. The investigation found that because the transition to the new…

  1. 7 CFR 4280.26 - Administration and operation of the Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... GRANTS Rural Economic Development Loan and Grant Programs § 4280.26 Administration and operation of the... Intermediary must permanently retain all Project review, approval, and monitoring authority and responsibility. This authority and responsibility cannot be delegated to any other person or entity. (b) Up to 10...

  2. Help My House Program Profile

    Science.gov (United States)

    Learn about Help My House, a program that helps participants reduce their utility bills by nearly 35 percent through low-cost loans for EE improvements. Learn more about the key features, approaches, funding sources, and achievements of this program.

  3. 13 CFR 120.340 - What is the Export Working Capital Program?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Export Working Capital... LOANS Special Purpose Loans Export Working Capital Program (ewcp) § 120.340 What is the Export Working Capital Program? Under the EWCP, SBA guarantees short-term working capital loans made by participating...

  4. How Does Distress Acquisition Incentivized by Government Purchases of Distressed Loans Affect Bank Default Risk?

    Directory of Open Access Journals (Sweden)

    Jyh-Jiuan Lin

    2018-04-01

    Full Text Available The topic of bank default risk in connection with government bailouts has recently attracted a great deal of attention. In this paper, the question of how a bank’s default risk is affected by a distress acquisition is investigated. Specifically, the government provides a bailout program of distressed loan purchases for a strong bank to acquire a bank in distress. The acquirer bank may likely refuse the acquisition with a bailout when the amount of distressed loan purchases is large or the knock-out value of the acquired bank is high. When the acquirer bank realizes acquisition gains, the default risk in the consolidated bank’s equity return is negatively related to loan purchases, but positively to the knock-out value of the acquired bank. The government bailout, as such, in large part contributes to banking stability.

  5. Student loan burden and its impact on career decisions in dermatology.

    Science.gov (United States)

    Nguyen, Jannett; Song, Eingun; Liu, Michael A; Lee, Patrick K; Truong, Sam

    2017-12-01

    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.

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

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

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

  7. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

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

  8. 38 CFR 36.4524 - Sale of loans.

    Science.gov (United States)

    2010-07-01

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

  9. 7 CFR 1710.119 - Loan processing priorities.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  11. Single Family Loan Sale Initiative - Neighborhood Stabilization Outcome Pool Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

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

    OpenAIRE

    Michel , Cécile

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  14. Credit Risk Management - Loan Approval Process

    Directory of Open Access Journals (Sweden)

    Lulzim Rashiti

    2016-03-01

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

  15. 75 FR 34093 - Information Collection; General Program Administration

    Science.gov (United States)

    2010-06-16

    ... Administration AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In accordance... supports Farm Loan Programs (FLP) for the General Program Administration. DATES: We will consider comments.... SUPPLEMENTARY INFORMATION: Title: Farm Loan Programs--General Program Administration (7 CFR part 761). OMB...

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

    OpenAIRE

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

    2009-01-01

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

  17. National Program for Inspection of Non-Federal Dams. Warren Pond Dam (CT 00335), Thames River Basin, Stafford, Connecticut. Phase I Inspection Report.

    Science.gov (United States)

    1980-08-01

    ant Stru-.i~ d. Reservoir Alea e. Downstream Channfel 3.2 Evaluation .................... ....... 3- SECTION 4: OPERATIONAL AND MAINTENAmCE PROCEDURES...6,500 3.43 1,895 16. Union Village 110,000 126.0 873 17. North Hartland 199,000 220.0 904 18. North Springfield 157,000 158.0 994 19. Ball Mountain ...190,000 172.0 1,105 20. Townshend 228,000 106.0(278 total) 820 21. Surry Mountain 63,000 100.0 630 22. Otter Brook 45,000 47.0 957 23. Birch Hill

  18. 50 CFR 12.36 - Donation or loan.

    Science.gov (United States)

    2010-10-01

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

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

    NARCIS (Netherlands)

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

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

  20. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    Science.gov (United States)

    Westfall, Elizabeth W.; Zimmerman, Anne R.

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

  3. 76 FR 35085 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-06-15

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

  4. 76 FR 20459 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-04-12

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

  5. Bank loan portfolios and the Canadian monetary transmission mechanism

    NARCIS (Netherlands)

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

    2009-01-01

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

  6. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  8. Loan Market Competition and Bank Risk-Taking

    NARCIS (Netherlands)

    Wagner, W.B.

    2007-01-01

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

  9. 26 CFR 1.141-5 - Private loan financing test.

    Science.gov (United States)

    2010-04-01

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

  10. 7 CFR 761.209 - Loan funds for beginning farmers.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1735.33 - Variable interest rate loans.

    Science.gov (United States)

    2010-01-01

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

  12. 13 CFR 120.612 - Loans eligible to back Certificates.

    Science.gov (United States)

    2010-01-01

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

  13. 24 CFR 201.20 - Property improvement loan eligibility.

    Science.gov (United States)

    2010-04-01

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

  14. 7 CFR 1427.174 - Maturity of seed cotton loans.

    Science.gov (United States)

    2010-01-01

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

  15. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Science.gov (United States)

    2010-07-01

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

  16. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

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

  17. 75 FR 65238 - Loan Guaranty: Elimination of Redundant Regulations; Correction

    Science.gov (United States)

    2010-10-22

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

  18. 76 FR 6185 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2011-02-03

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

  19. 78 FR 51046 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2013-08-20

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

  20. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

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

  1. 75 FR 77935 - Patriot Express Pilot Loan Initiative

    Science.gov (United States)

    2010-12-14

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

  2. 7 CFR 3550.108 - Security requirements (loans only).

    Science.gov (United States)

    2010-01-01

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

  3. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

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

  4. Real promise or false hope: DOE's title XVII loan Guarantee

    Energy Technology Data Exchange (ETDEWEB)

    Massouh, Jennifer F.; Cannon, George D. Jr.; Logan, Suzanne M.; Schwartz, David L.

    2009-05-15

    While the American Recovery and Reinvestment Act of 2009 expanded the DOE loan guarantee program to include certain ''shovel-ready'' projects, and appropriated $6 billion to cover the credit subsidy cost associated with these projects, it failed to resolve some of the most pressing problems facing the program. Here are some recommendations that may finally get some shovels in the ground. (author)

  5. 7 CFR 3560.552 - Program objectives.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Off-Farm Labor Housing § 3560.552 Program objectives. (a) In addition to the objectives stated in § 3560.52, off-farm labor housing loan and grant funds... 7 Agriculture 15 2010-01-01 2010-01-01 false Program objectives. 3560.552 Section 3560.552...

  6. 26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

    Science.gov (United States)

    2010-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Susi Desmaryani

    2016-11-01

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

  8. Bangladesh looks for a soft loan

    International Nuclear Information System (INIS)

    Hossain, A.

    1986-01-01

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

  9. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

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

  10. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

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

  11. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

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

  12. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  14. 50 CFR 600.1012 - Reduction loan.

    Science.gov (United States)

    2010-10-01

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

  15. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

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

  16. Farmers and Herders Benefit From Bank Loans

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

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

  17. Evaluating the Student Loan Fund of Thailand

    Science.gov (United States)

    Tangkitvanich, Somkiat; Manasboonphempool, Areeya

    2010-01-01

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

  18. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  19. 7 CFR 1951.881 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  20. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

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

  2. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

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

  3. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

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

  4. 10 CFR 800.300 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 3575.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  6. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

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

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

    OpenAIRE

    Ongena, Steven; Ioannidou, Vasso

    2010-01-01

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

  8. Assessment of Alternative Financial Theories.

    Science.gov (United States)

    Jenkins, Sarah

    This publication presents an assessment of various methods applicable for measurement of lender profitability with particular emphasis on net present value (NPV) in order to determine whether the Department of Education's current method for determining lender profitability within the Stafford Student Loan program is the best. The introduction…

  9. APPLICATION OF LOANS AND THEIR IMPACT ON ECONOMIC DEVELOPMENT ASPECTS IN KOSOVO

    Directory of Open Access Journals (Sweden)

    Rexhepi Shaqir

    2014-07-01

    Full Text Available Abstract: Studies on the functioning of loan management models in banking institutions are of special significance for the ascertainment of efficient credit disbursement modalities and policies, with the aim of ensuring strategic and financial development. In their monetary programs, banks among other make assumptions on the increase of the demand for cash from loans for their respective economies and businesses. Supporting the economy through loans represents one of the main tasks of any banking system, and this is especially applicable in countries with specifics similar to our country. During the last half of the previous decade, the structure of deposits in the banking system underwent severe changes, which were generally in function of the country\\'s development, but also assisted in the development of the banking system itself. The overall tendency of the deposits in the banking system was positive, and charts and series matrixes show their ever growing tendencies. However, the vulnerability and problems of the first decade after the establishment of any banking system are reflected in crises and problems noted in the structure and level of deposits of such banking systems, which in the case of Kosovo was further reflected in external and internal factors affecting loans and their overall default.

  10. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

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

  11. 12 CFR 584.2a - Exempt savings and loan holding companies and grandfathered activities.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  13. 12 CFR 583.11 - Diversified savings and loan holding company.

    Science.gov (United States)

    2010-01-01

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

  14. 7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

    Science.gov (United States)

    2010-01-01

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

  15. 13 CFR 120.215 - What interest rates apply to smaller loans?

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Bouwens, J.; Kroos, P.

    2012-01-01

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

  17. 12 CFR 221.108 - Effect of registration of stock subsequent to making of loan.

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Bolhar Tetyana M.

    2014-01-01

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

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

    Science.gov (United States)

    Mahoney, Colin T; Lawyer, Steven R

    2016-04-01

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