WorldWideScience

Sample records for subjects credit eligibility

  1. Portfolio Allocation Subject to Credit Risk

    Directory of Open Access Journals (Sweden)

    Rogerio de Deus Oliveira

    2003-12-01

    Full Text Available Credit Risk is an important dimension to be considered in the risk management procedures of financial institutions. Is a particularly useful in emerging markets where default rates on bank loan products are usually high. It is usually calculated through highly costly Monte Carlo simulations which consider different stochastic factors driving the uncertainly associated to the borrowers liabilities. In this paper, under some restrictions, we drive closed form formulas for the probability distributions of default rates of bank loans products involving a big number of clients. This allows us to quickly obtain the credit risk of such products. Moreover, using these probability distributions, we solve the problem of optimal portfolio allocation under default risk.

  2. Residential energy-tax-credit eligibility: a case study for the heat-pump water heater

    Energy Technology Data Exchange (ETDEWEB)

    Cohn, S M; Cardell, N S

    1982-09-01

    Described are the methodology and results of an analysis to determine the eligibility of an energy-efficient item for the residential energy-tax credit. Although energy credits are granted only on a national basis, an attempt to determine the tax-credit eligibility for an item such as the heat-pump water heater (HPWH) analyzing national data is inappropriate. The tax-credit eligibility of the HPWH is evaluated for the ten federal regions to take into consideration the regional differences of: (1) HPWH annual efficiency, (2) existing water heater stocks by fuel type, (3) electricity, fuel oil, and natural-gas price variations, and (4) electric-utility oil and gas use for electricity generation. A computer model of consumer choice of HPWH selection as well as a computer code evaluating the economics of tax-credit eligibility on a regional basis were developed as analytical tools for this study. The analysis in this report demonstrates that the HPWH meets an important criteria for eligibility by the Treasury Department for an energy tax credit (nationally, the estimated dollar value of savings of oil and gas over the lifetime of those HPWH's sold during 1981 to 1985 due to the tax credit exceeds the revenue loss to the treasury). A natural-gas price-deregulation scenario is one of two fuel scenarios that are evaluated using the equipment choice and tax-credit models. These two cases show the amounts of oil and gas saved by additional HPWH units sold (due to the tax credit during 1981 to 1985 (range from 13.9 to 23.1 million barrels of oil equivalent over the lifetime of the equipment.

  3. 5 CFR 847.805 - What NAFI service can employees elect to credit toward retirement eligibility under CSRS or FERS?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false What NAFI service can employees elect to... Service for CSRS and FERS Retirement Eligibility § 847.805 What NAFI service can employees elect to credit toward retirement eligibility under CSRS or FERS? (a) Employees may elect to credit under this subpart...

  4. Credit

    OpenAIRE

    Tichá, Irena

    2016-01-01

    Credit This diploma thesis deals with the provision of credit and credit agreement under Sections 2395 - 2400 of the Civil Code. The purpose of this thesis is to analyze legal regulation of credit agreement under Civil Code and also to describe selected issues of Consumer Credit regulated by Consumer Credit Act. The first chapter describes credit in general, defines credit agreement and sources of the law, by which credit agreement is governed, then I compare credit agreement and loan agreeme...

  5. DEVELOPMENT OF A CREDIT POLICY FOR MARKETS SUBJECT TO CREDIT RATIONING

    Directory of Open Access Journals (Sweden)

    Lobov A. A.

    2015-09-01

    Full Text Available Effective credit policy is an essential condition for bank’s successful operation. In this article methods of developing a credit policy that accounts for information asymmetry and «reverse selection» effect in the credit market are considered. In the course of research, relationships between interest rates, “pass” credit score, total bank’s income, average profitability of a credit product and the amount of capital required to be allocated to a new product, were revealed. Noting these relationships, bank’s credit department is able to set optimal interest rates, credit score and capital, as well as to apply credit rationing, if necessary.

  6. 19 CFR 181.43 - Eligible goods subject to drawback.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Eligible goods subject to drawback. 181.43 Section 181.43 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT... exported to Canada or Mexico (see 19 U.S.C. 1313(j)(1)); (b) Used as a material in the production of...

  7. 12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

    Science.gov (United States)

    2010-01-01

    ... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... continued eligibility, for credit, except as provided in this section. (2) Definitions. (i) Credit has the... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed...

  8. An isotonic partial credit model for ordering subjects on the basis of their sum scores

    NARCIS (Netherlands)

    Ligtvoet, R.

    2012-01-01

    In practice, the sum of the item scores is often used as a basis for comparing subjects. For items that have more than two ordered score categories, only the partial credit model (PCM) and special cases of this model imply that the subjects are stochastically ordered on the common latent variable.

  9. Eligibility for Statin Treatment in Korean Subjects with Reduced Renal Function: An Observational Study

    Directory of Open Access Journals (Sweden)

    Byung Sub Moon

    2016-09-01

    Full Text Available BackgroundThe purpose of this study was to investigate the relationship between statin eligibility and the degree of renal dysfunction using the Adult Treatment Panel (ATP III and the American College of Cardiology (ACC/American Heart Association (AHA guidelines in Korean adults.MethodsRenal function was assessed in 18,746 participants of the Kangbuk Samsung Health Study from January 2011 to December 2012. Subjects were divided into three groups according to estimated glomerular filtration rate (eGFR: stage 1, eGFR ≥90 mL/min/1.73 m2; stage 2, eGFR 60 to 89 mL/min/1.73 m2; and stages 3 to 5, eGFR <60 mL/min/1.73 m2. Statin eligibility in these groups was determined using the ATP III and ACC/AHA guidelines, and the risk for 10-year atherosclerotic cardiovascular disease (ASCVD was calculated using the Framingham Risk Score (FRS and Pooled Cohort Equation (PCE.ResultsThere were 3,546 (18.9% and 4,048 (21.5% statin-eligible subjects according to ATP III and ACC/AHA guidelines, respectively. The proportion of statin-eligible subjects increased as renal function deteriorated. Statin eligibility by the ACC/AHA guidelines showed better agreement with the Kidney Disease Improving Global Outcomes (KDIGO recommendations compared to the ATP III guidelines in subjects with stage 3 to 5 chronic kidney disease (CKD (κ value, 0.689 vs. 0.531. When the 10-year ASCVD risk was assessed using the FRS and PCE, the mean risk calculated by both equations significantly increased as renal function declined.ConclusionsThe proportion of statin-eligible subjects significantly increased according to worsening renal function in this Korean cohort. ACC/AHA guideline showed better agreement for statin eligibility with that recommended by KDIGO guideline compared to ATP III in subjects with CKD.

  10. Eligibility

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

    organizations working globally to achieve sustainable human development. In Quebec ... academic entities (e.g., large and small businesses, producer groups, business associations, developing country governments ... An applicant organization and/or company from one of the eligible countries must be a legal entity in that ...

  11. 12 CFR 714.9 - Are indirect leasing arrangements subject to the purchase of eligible obligation limit set forth...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Are indirect leasing arrangements subject to the purchase of eligible obligation limit set forth in § 701.23 of this chapter? 714.9 Section 714.9....9 Are indirect leasing arrangements subject to the purchase of eligible obligation limit set forth...

  12. Who is a 'healthy subject'?-consensus results on pivotal eligibility criteria for clinical trials.

    Science.gov (United States)

    Breithaupt-Groegler, Kerstin; Coch, Christoph; Coenen, Martin; Donath, Frank; Erb-Zohar, Katharina; Francke, Klaus; Goehler, Karin; Iovino, Mario; Kammerer, Klaus Peter; Mikus, Gerd; Rengelshausen, Jens; Sourgens, Hildegard; Schinzel, Reinhard; Sudhop, Thomas; Wensing, Georg

    2017-04-01

    A discussion forum was hosted by the German not-for-profit Association for Applied Human Pharmacology (AGAH e.V.) to critically review key eligibility criteria and stopping rules for clinical trials with healthy subjects, enrolling stakeholders from the pharmaceutical industry, contract research organisations, academia, ethics committees and competent authority. Pivotal eligibility criteria were defined for trials with new investigational medicinal products (IMPs) or with clinically established IMPs. In general, a pulse rate ranging between 50 and 90 beats/min is recommended for first-in-human (FIH) trials, while wider ranges seem acceptable for trials with clinically established IMPs, provided there are no indications of thyroid dysfunction. Hepatic laboratory parameters not to exceed the upper limit of normal (ULN) comprise ALT (alanine aminotransferase) and AST (aspartate aminotransferase) in FIH trials, whereas slight elevations (10% above ULN) seem acceptable in trials with clinically established IMPs without known hepatotoxicity. A normal renal function is required for any clinical trial in healthy subjects. A risk-adapted approach for stopping rules was adopted. Stopping rules for an individual subject are one adverse event of severe intensity or one serious adverse event. In case of a severe adverse event, some stakeholders demand a causal relationship with the IMP (i.e. an adverse reaction). Stopping rules for a cohort are one serious adverse reaction or ≥50% of subjects experiencing any adverse reaction of moderate or severe intensity. The application of this consensus resulted in a reduction in protocol deficiencies issued by the competent authority.

  13. 12 CFR 222.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

    Science.gov (United States)

    2010-01-01

    ... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... credit, except as provided in this section. (2) Definitions. (i) Credit has the same meaning as in... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed...

  14. 12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

    Science.gov (United States)

    2010-01-01

    ... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... credit, except as provided in this section. (2) Definitions. (i) Credit has the same meaning as in... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed...

  15. 12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

    Science.gov (United States)

    2010-01-01

    ... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... credit, except as provided in this section. (2) Definitions. (i) Credit has the same meaning as in... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed...

  16. PERFORMANCE-RELIABILITY – THE MAIN SUBJECT OF THE BANKING ANALYSIS OF THE CREDITED SOCIETIES

    Directory of Open Access Journals (Sweden)

    AVRAM (BOITOŞ CAMELIA

    2013-12-01

    Full Text Available Since the crediting activity occupies the primary role in any banking institution, the necessity of study and its analysis is required by following some steps both at a microeconomic level and at a macroeconomic one. Going over the theme, which aims at the importance of a thorough study of the clients' reliability for highlighting the existing risks in the banking activity in general, and particularly in the crediting activity, becomes as more interesting as their approach at the level of the member states of the European Union tends towards a common theme. Starting from these premises, we have considered as being extremely important the selection of a research theme which aims at the risks in the crediting activity, emphasizing the analysis of the clients' reliability both in the decision of crediting in order to assume the risk of credit and in determining the financial and banking performances. Being given the complexity of the existing risks in the banking activity in general and particularly of the credit risk, the clients' reliability represents an extremely important field, of research and application, bearing in mind both the actual stage of developing the Romanian banking system and the attempts of its alignment to the requirements imposed by the European Union.

  17. Minimum Value of Eligible Employer-Sponsored Plans and Other Rules Regarding the Health Insurance Premium Tax Credit. Final regulations.

    Science.gov (United States)

    2015-12-18

    This document contains final regulations on the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, as amended by the Medicare and Medicaid Extenders Act of 2010, the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011, and the Department of Defense and Full-Year Continuing Appropriations Act, 2011. These final regulations affect individuals who enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges, sometimes called Marketplaces) and claim the health insurance premium tax credit, and Exchanges that make qualified health plans available to individuals and employers.

  18. Promoting Adaptive Coping Skills and Subjective Well-Being through Credit-Based Leisure Education Courses

    Science.gov (United States)

    Hartman, Cindy L.; Evans, Kate E.; Anderson, Denise M.

    2017-01-01

    This qualitative study addresses the need for campus-based programming that allows students to practice adaptive coping skills and increase well-being. Eight focus groups and seven individual interviews were conducted with students participating in credit-based leisure education courses to understand self-reported health-related motivations and…

  19. 12 CFR 41.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

    Science.gov (United States)

    2010-01-01

    ... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... as provided in this section. (2) Definitions. (i) Credit has the same meaning as in section 702 of... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed...

  20. A Hong Kong University first: Establishing service-learning as an academic credit-bearing subject

    OpenAIRE

    Carol Ma; Alfred Chan

    2013-01-01

    Service-learning, where university students are trained to serve or educate the less able for a defined number of voluntary work hours and where the service experience is relevant to the course into which the service is integrated, can be an effective means of community engagement. Many universities in the US have factored in a term for credit-bearing service-learning courses, so that students are oriented to developing a service mentality and nurturing a ‘giving culture’ on campus. In the As...

  1. A Hong Kong University first: Establishing service-learning as an academic credit-bearing subject

    Directory of Open Access Journals (Sweden)

    Carol Ma

    2013-10-01

    Full Text Available Service-learning, where university students are trained to serve or educate the less able for a defined number of voluntary work hours and where the service experience is relevant to the course into which the service is integrated, can be an effective means of community engagement. Many universities in the US have factored in a term for credit-bearing service-learning courses, so that students are oriented to developing a service mentality and nurturing a ‘giving culture’ on campus. In the Asia Pacific region, Lingnan University, with its liberal arts ethos, is the first university in Hong Kong to use service-learning as a vehicle for knowledge transfer between university and community. The first service-learning program was offered by the Faculty of Social Sciences in 2004 as an optional learning experience, and the university is now moving towards making service-learning a graduation requirement that bears academic credits. Service-learning is currently integrated in the majority of disciplines of the university, as part of the undergraduate program. In addition to detailing the history, development and operation of the service-learning program, this article discusses the lessons learned in the institutionalisation of service-learning, as well as the way forward for service-learning in higher education in Hong Kong. Keywords: service-learning, knowledge transfer, whole-person education, experiential education, higher education, campus-community partnerships

  2. Development of a credit-bearing service leadership subject for university students in Hong Kong.

    Science.gov (United States)

    Shek, Daniel T L; Yu, Lu; Ma, Cecilia M S; Sun, Rachel C F; Liu, Ting Ting

    2013-01-01

    Given that service industries contribute to 93% of Hong Kong's GDP, an important question that should be asked is whether the education system can promote the development of service leadership among young people in Hong Kong. Unfortunately, service leadership programs specifically designed for university students are lacking in Hong Kong. In this paper, the basic tenets of the Service Leadership and Management framework are presented. Based on the fundamental postulation that effective service leadership is a function of moral character, competence and care (E=MC(2)), a subject called "Service Leadership" has recently been developed at The Hong Kong Polytechnic University. This paper outlines the objectives, intended learning outcomes, syllabus, assessment, and references of the subject. The proposed evaluation strategies are also described.

  3. CONTROL OF THE FINANCES OF THE ECONOMIC SUBJECTS: THE CONTEMPORARY TECHNOLOGIES OF THE CREDITING OF MARKET SUBJECTS UNDER THE CONDITIONS OF THE SCARCITY OF THE LIQUIDITY

    Directory of Open Access Journals (Sweden)

    Natalya V. Gryzunova

    2014-01-01

    Full Text Available In the article is proposed the solution of vital problem -search of the sources of the crediting of enterprises.For the search for the sources of funds and guaranteesthey attempt to act in two directions: credit organizationsenlarge the technologies of scoring, and enterprises themselves attempt to master the system of cash pooling. Oncethis technology was approved by the group of states, bythen most important companies, it is now possibly for theenterprises of small business. The contemporary state of information transparency makes it possible to build long-term relations in bank retail, thus, that all participants inthe economic chain obtained positive experience fromthe collaboration. I.e., goes the active standardization ofthe entire system for the control of business in the worldunder the aegis of Basel agreement. Application of the automated scoring systems gives to banks the possibilityto reorganize the system of credit activity.

  4. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

    Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

  5. 5 CFR 842.308 - Refunds of deductions and service credit deposits made before becoming subject to FERS.

    Science.gov (United States)

    2010-01-01

    ... PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM... simultaneously by both CSRS and social security) that were previously made for a period of service performed... his or her credit for such service, plus any interest computed in accordance with 5 U.S.C. 8331(8...

  6. From the Frying Pan Into the Fire (and Back Again: Adventures in Subject-Based, Credit Instruction

    Directory of Open Access Journals (Sweden)

    Natalie Tagge

    2012-03-01

    Full Text Available   My best experience as a teacher-librarian was leading a credit, semester-long course while a librarian at the University of Illinois Springfield (UIS during which my students came to care deeply about the topical content and used their developing research skills to further their engagement.  For librarians, though, this is the exception rather than the [...

  7. 13 CFR 120.390 - Revolving credit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

  8. Credit Lines and Credit Utilization

    OpenAIRE

    Agarwal, Sumit; Ambrose, Brent W.; Liu, Chunlin

    2006-01-01

    While much is known about the characteristics of consumers or businesses that obtain credit lines, relatively little is known empirically about credit line utilization after origination. This study fills that gap by testing two interrelated hypotheses concerning borrower credit quality and credit line utilization. The empirical analysis confirms that borrowers with higher expectations of future credit quality deterioration originate credit lines to preserve financial flexibility. Furthermore,...

  9. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

  10. Subjectivity

    Directory of Open Access Journals (Sweden)

    Jesús Vega Encabo

    2015-11-01

    Full Text Available In this paper, I claim that subjectivity is a way of being that is constituted through a set of practices in which the self is subject to the dangers of fictionalizing and plotting her life and self-image. I examine some ways of becoming subject through narratives and through theatrical performance before others. Through these practices, a real and active subjectivity is revealed, capable of self-knowledge and self-transformation. 

  11. 7 CFR 3560.152 - Tenant eligibility.

    Science.gov (United States)

    2010-01-01

    .... Department of Housing and Urban Development (HUD) Section 8 assistance or Low Income Housing Tax Credit... agencies. (3) The borrower agrees to continue with aggressive efforts to locate eligible tenants and retain...

  12. 13 CFR 301.2 - Applicant eligibility.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Applicant eligibility. 301.2 Section 301.2 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE... Investment Assistance a resolution passed by (or a letter signed by) an authorized representative of a...

  13. 12 CFR 618.8005 - Eligibility.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Eligibility. 618.8005 Section 618.8005 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Related Services § 618... of the service corporation, pursuant to paragraphs (a), (b), (c), and (e) of this section. (e) System...

  14. 13 CFR 130.200 - Eligible entities.

    Science.gov (United States)

    2010-01-01

    ... or university; (3) A college or school of business, engineering, commerce or agriculture; (4) A... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Eligible entities. 130.200 Section 130.200 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS DEVELOPMENT...

  15. 13 CFR 120.381 - Eligibility.

    Science.gov (United States)

    2010-01-01

    ... businesses which have been adversely affected by defense reductions. The goal of the program is to assist... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Eligibility. 120.381 Section 120.381 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans...

  16. Small business credit scoring and credit availability

    OpenAIRE

    Berger, Allen N.; Frame, W. Scott; Berger, Allen N.; Frame, W. Scott

    2005-01-01

    U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

  17. Credit Management System

    Data.gov (United States)

    US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

  18. 24 CFR 232.570 - Endorsement of credit instrument.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Endorsement of credit instrument. 232.570 Section 232.570 Housing and Urban Development Regulations Relating to Housing and Urban... of Fire Safety Equipment Eligible Security Instruments § 232.570 Endorsement of credit instrument...

  19. Medicaid Eligibility

    Science.gov (United States)

    ... Limits HCV Communication Medicaid Drug Rebate Program Pharmacy Pricing Program Releases State Drug Utilization Data State Prescription ... individual for purposes of determining eligibility for Medicaid. Transfers of Assets for Less Than Fair Market Value: ...

  20. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

    In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

  1. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

    with the aim of resolving the problem of over-indebtedness and preventing reckless credit lending. In terms of section 81(2) of the National Credit Act a credit provider may not enter into a credit agreement with a consumer without first taking reasonable steps to assess the consumer's debt re- payment history, existing ...

  2. Money and Costly Credit

    OpenAIRE

    Dong, Mei

    2009-01-01

    I study an economy in which money and credit coexist as means of payment and the settlement of credit requires money. The model extends recent developments in microfounded monetary theory to address the choice of payment methods and the effects of inflation. Whether a buyer uses money or credit depends on the fixed cost of credit and the inflation rate. In particular, inflation not only makes money less valuable, but also makes credit more expensive because of delayed settlement. Based on qua...

  3. Consumer credit counseling: credit card issuers' perspectives

    OpenAIRE

    Mark Furletti

    2003-01-01

    On Friday, May 23, 2003, the Payment Cards Center hosted a workshop led by collections managers from J.P. Morgan Chase and Juniper Bank. The managers provided the credit card issuers' perspective on the consumer credit counseling industry. The day's discussion complemented an earlier workshop at which representatives from local consumer credit counseling services (CCCS) discussed their business model. After describing the ways in which new market entrants have affected the counseling industry...

  4. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

    Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

  5. Credit Union Headquarters

    Data.gov (United States)

    Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

  6. Managing consumer credit risk

    OpenAIRE

    Peter Burns; Anne Stanley

    2001-01-01

    On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session was led by Jeffrey Bower, senior manager in KPMG Consulting’s financial services practice. Bower discussed "best practices" in the credit risk management field, including credit scoring, loss forecasting, and portfolio management. ; In addition, he provided an overview of developing new meth...

  7. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...

  8. Consumer credit contracts

    Directory of Open Access Journals (Sweden)

    Gheorghe, C. A.

    2012-01-01

    Full Text Available In compliance with European Directives, Romanian authorities have established some principles for consumer credit, minimum standards for authorizing, regulating and monitoring credit institutions. These measures were required by the increase in imports due to consumer credit, while the national bank tempered this increase. Therefore, banks, together with the big shops, perfect their techniques to attract customers.

  9. 31 CFR 535.416 - Letters of credit.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Letters of credit. 535.416 Section... § 535.416 Letters of credit. (a) Question. Prior to the effective date, a bank subject to the jurisdiction of the United States has issued or confirmed a documentary letter of credit for a non-Iranian...

  10. 13 CFR 107.1120 - General eligibility requirements for Leverage.

    Science.gov (United States)

    2010-01-01

    ... for Leverage. 107.1120 Section 107.1120 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) General Information About Obtaining Leverage § 107.1120 General eligibility requirements for Leverage. To be eligible...

  11. 26 CFR 1.25A-3 - Hope Scholarship Credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Hope Scholarship Credit. 1.25A-3 Section 1.25A-3... Rates During A Taxable Year § 1.25A-3 Hope Scholarship Credit. (a) Amount of the credit—(1) In general. Subject to the phaseout of the education tax credit described in § 1.25A-1(c), the Hope Scholarship Credit...

  12. Recovery Act: Billions of Dollars in Education Credits Appear to Be Erroneous. Treasury Inspector General for Tax Administration. Reference Number: 2011-41-083

    Science.gov (United States)

    US Department of the Treasury, 2011

    2011-01-01

    Education credits are available to help offset the costs of higher education for taxpayers, their spouses, and dependents who qualify as eligible students. The American Recovery and Reinvestment Act of 2009 (Recovery Act) amended the Hope Scholarship Tax Credit (Hope Credit) to provide for a refundable tax credit known as the American Opportunity…

  13. Credit Enhancement Overview Guide

    Energy Technology Data Exchange (ETDEWEB)

    Financing Solutions Working Group

    2014-01-01

    Provides considerations for state and local policymakers and energy efficiency program administrators designing and implementing successful credit enhancement strategies for residential and commercial buildings.

  14. 13 CFR 120.342 - What are eligible uses of proceeds?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are eligible uses of proceeds? 120.342 Section 120.342 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS... export; (c) To purchase goods or services for export; (d) To support standby letters of credit; (e) For...

  15. Credit Constraints in Education

    Science.gov (United States)

    Lochner, Lance; Monge-Naranjo, Alexander

    2012-01-01

    We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints have recently become important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, as their response largely determines the impact of credit…

  16. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

    In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

  17. Cracking the Credit Hour

    Science.gov (United States)

    Laitinen, Amy

    2012-01-01

    The basic currency of higher education--the credit hour--represents the root of many problems plaguing America's higher education system: the practice of measuring time rather than learning. "Cracking the Credit Hour" traces the history of this time-based unit, from the days of Andrew Carnegie to recent federal efforts to define a credit…

  18. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...

  19. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

    Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... regulations in the countries participating in CREDIT. The Performance Indicator Framework encompassed 187 indicators grouped in 7 main groups of indicators and 42 sub-groups. Based on the CREDIT case studies it was concluded that there neither is link between certain indicators and specific building types...

  20. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

    and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand......Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...

  1. Credit and Oil Consumption

    OpenAIRE

    Arora, Vipin

    2016-01-01

    Credit greases the wheels of oil consumption—it is prevalent in purchases of cars, trucks, and even the construction of factories. But the traditional view is that it affects oil consumption only through economic activity and the price of oil. I argue that credit is important in its own right. To make my case, I first show that an association between credit and oil consumption growth exists across countries and time. I then give a nod to the traditional view, and conclude by showing that ...

  2. 24 CFR 574.300 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 574.300... § 574.300 Eligible activities. (a) General. Subject to applicable requirements described in §§ 574.310... provide services independently of any housing activity. (b) Activities. The following activities may be...

  3. Theoretical concept of credit risk management

    Directory of Open Access Journals (Sweden)

    Dragosavac Miloš

    2014-01-01

    Full Text Available With the development of the banking business and the economy, exposure to different types of risk becomes greater. Identifying all risks and adequate measures have become an extremely important factor in business success in the increasingly complex economic conditions. Risks in business, in the last ten years have become the burning issue in debates among the scientific experts. With the aim of stable development of its business and equal participation in a large competitive market, primarily in order to protect its depositors and preserve system stability and liquidity, banks have to incorporate into their strategic goals the strategies of banking risks. Credit risk is of great value within the overall risks that accompany the business activity of banks, economy, and other forms of business organization. Its nature and presence in all segments of the business activities speak enough about its importance and the need for its management. Permanently growing trend of credit risk is a reality faced by not only the banking organization, but also the subjects in the economic and non-economic sector, which makes the issue of credit risk extremely important and relevant. The subject of this paper is a theoretical analysis of credit risk in banking business. Banking operations are increasingly exposed to credit risk, which indicates the inability of banks to settle their claims based on previously approved loans, and this is the case-in-point for this specific research subject.

  4. Pantethine, a derivative of vitamin B5, favorably alters total, LDL and non-HDL cholesterol in low to moderate cardiovascular risk subjects eligible for statin therapy: a triple-blinded placebo and diet-controlled investigation

    Directory of Open Access Journals (Sweden)

    Evans M

    2014-02-01

    Full Text Available Malkanthi Evans,1 John A Rumberger,2 Isao Azumano,3 Joseph J Napolitano,4 Danielle Citrolo,5 Toshikazu Kamiya5 1KGK Synergize Inc, London, ON, Canada; 2The Princeton Longevity Center, Princeton, NJ, USA; 3Daiichi Fine Chemical Co, Ltd, Toyama, Japan; 4Independent Consultant, Allentown, PA, USA; 5Kyowa Hakko USA, New York, NY, USA Abstract: High serum concentration of low-density lipoprotein cholesterol (LDL-C is a major risk factor for coronary heart disease. The efficacy of pantethine treatment on cardiovascular risk markers was investigated in a randomized, triple-blinded, placebo-controlled study, in a low to moderate cardiovascular disease (CVD risk North American population eligible for statin therapy, using the National Cholesterol Education Program (NCEP guidelines. A total of 32 subjects were randomized to pantethine (600 mg/day from weeks 1 to 8 and 900 mg/day from weeks 9 to16 or placebo. Compared with placebo, the participants on pantethine showed a significant decrease in total cholesterol at 16 weeks (P=0.040 and LDL-C at 8 and 16 weeks (P=0.020 and P=0.006, respectively, and decreasing trends in non-high-density lipoprotein cholesterol at week 8 and week 12 (P=0.102 and P=0.145, respectively that reached significance by week 16 (P=0.042. An 11% decrease in LDL-C from baseline was seen in participants on pantethine, at weeks 4, 8, 12, and 16, while participants on placebo showed a 3% increase at week 16. This decrease was significant between groups at weeks 8 (P=0.027 and 16 (P=0.010. The homocysteine levels for both groups did not change significantly from baseline to week 16. Coenzyme Q10 significantly increased from baseline to week 4 and remained elevated until week 16, in both the pantethine and placebo groups. After 16 weeks, the participants on placebo did not show significant improvement in any CVD risk end points. This study confirms that pantethine lowers cardiovascular risk markers in low to moderate CVD risk participants

  5. Dual-Credit in Kentucky

    Science.gov (United States)

    Stephenson, Lisa G.

    2013-01-01

    Credit-based transition programs provide high school students with opportunities to jump start their college education. The Kentucky Community and Technical College System (KCTCS) offers college credit through dual-credit programs. While KCTCS dual-credit offerings have been successful in helping high school students start their college education…

  6. 26 CFR 1.25A-4 - Lifetime Learning Credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Lifetime Learning Credit. 1.25A-4 Section 1.25A-4... Rates During A Taxable Year § 1.25A-4 Lifetime Learning Credit. (a) Amount of the credit—(1) Taxable years beginning before January 1, 2003. Subject to the phaseout of the education tax credit described in...

  7. Credit derivatives and risk management

    OpenAIRE

    Gibson, Michael S.

    2007-01-01

    The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

  8. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

    Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

  9. Teaching the Rules of Debit and Credit

    Science.gov (United States)

    Potts, Andrew J.

    1974-01-01

    A fundamental method of explaining the basic accounting principles and concepts (debit, credit, basic accounting equation) which includes visual aids, reference to local businesses, and drill, does much toward increasing the student's skill and enhancing his understanding of the subject matter. (Sample transparencies are included.) (Author/AJ)

  10. 76 FR 67583 - Community Development Revolving Loan Fund Access for Credit Unions

    Science.gov (United States)

    2011-11-02

    ... of Subjects 12 CFR Part 701 Advertising, Aged, Civil rights, Credit, Credit unions, Fair housing..., Reporting and recordkeeping requirements, Sex discrimination, Signs and symbols, Surety bonds. 12 CFR Part...

  11. Management Strategy Of Bank Credit Portfolio

    OpenAIRE

    Nenad Vunjak; Tamara Antonijevic

    2008-01-01

    Credit portfolio includes a credit group that is structured by bank management team according to credit users. Realizing the key targets of credit portfolio management imply the analysis of: (1) volume of credits, (2) portfolio structure, (3) credit services, (4) payment of credits, (5) credit price (interest rate), (6) realized profit. The credit portfolio modeling is the top management competence. Performance of credit portfolio depends from expect risks and returns estimate, having insight...

  12. Bridging the Livelihood Insecurity Gap: The Role of Informal Credit ...

    African Journals Online (AJOL)

    Informal credit arrangements have been perceived as being exploitative because they charge high interest rates thus subjecting the poor to perpetual situation of indebtedness. Notwithstanding such perceptions, empirical evidence from selected low income settlements of urban Tanzania shows that informal credit ...

  13. 5 CFR 550.1404 - Creditable travel time.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Creditable travel time. 550.1404 Section... ADMINISTRATION (GENERAL) Compensatory Time Off for Travel § 550.1404 Creditable travel time. (a) General. Subject... off for time in a travel status if— (1) The employee is required to travel away from the official duty...

  14. Arab Credit Reporting Guide

    OpenAIRE

    International Finance Corporation; Arab Monetary Fund

    2015-01-01

    During the first decade of this century, from 2001 to 2010, attention focused on the development of the credit information industry in the Middle East and North Africa (MENA) region. As MENA’s role in the global economy increases along with its attendant demographic integration, the development of comprehensive information sharing systems across the region has become an imperative. The overall ...

  15. Measuring Credit Spread Risk

    NARCIS (Netherlands)

    R.A.J. Campbell-Pownall (Rachel); R. Huisman (Ronald)

    2002-01-01

    textabstractIt is widely known that the small but looming possibility of default renders the expected return distribution for financial products containing credit risk to be highly skewed and fat tailed. In this paper we apply recent techniques developed for incorporating the additional risk faced

  16. RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

    Directory of Open Access Journals (Sweden)

    Eka Nugraha

    2015-07-01

    Full Text Available The use of credit cards for payment in lieu of cash since the introduction of the first credit card ever more widely known and used by people.   On the early introduction of this credit card, the wearer is limited to certain circles. However, a few decades later the credit card industry primarily enter the end of the Decade of the 1970s, has penetrated almost throughout all parts of the world, including Indonesia.   A credit card is issued by most commonly used by the public and apply the current International consists of a range of brands, among others, a very popular one is Visa and Master Card are each issued by the credit card company international and Master Card International.In practice many found the works in banking that may be subject to sanctions as set forth in the book of the law of criminal law (Criminal Code.

  17. The Credit/Non-Credit Divide: Breaking Down the Wall

    Science.gov (United States)

    Fouts, Susan; Mallory, Judy

    2010-01-01

    Programs awarding academic credit and programs awarding continuing education credit coexist on university campuses but often do not communicate or collaborate. This article explores the components of a successful program that reaches across the credit-noncredit divide to engage and serve the community. While most theoretical models are based on a…

  18. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

    Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

  19. Credit where due.

    Science.gov (United States)

    Friedman, Steven G

    2016-08-01

    The history of medicine is filled with stories of tireless researchers who failed to get credit for their hard work. Examples of this include Rosalind Franklin, who helped to elucidate the structure of DNA; Frederick Banting, who helped to discover insulin; and Jay McLean, who discovered heparin. The founding of the field of vascular surgery provides one of the most vivid examples of uncredited work. Even though Alexis Carrel was an unpaid, untitled assistant in Charles Guthrie's laboratory, it was Carrel alone who received a Nobel Prize for their work. In an attempt to give credit where due, the reasons for this injustice are described. Copyright © 2016 Society for Vascular Surgery. Published by Elsevier Inc. All rights reserved.

  20. The Dilemmas over Credit Policy Management in a Company

    Directory of Open Access Journals (Sweden)

    Maria Gorczyńska

    2013-11-01

    Full Text Available Purpose of the article: The paper identifies the core dilemmas over the establishment of the credit policy in a company. It considers the general scope and basic stages of credit policy management and analyses each stage of credit policy in terms of decisive aspects. The main areas of concerns are discussed within the settlement of credit policy and its implementation with regard to the model of optimal credit policy. Scientific aim: The paper aims at constructing a unified model of issues rising dilemmas while setting and implementing the credit policy management. It also aims at identifying core decisive problems in each of these fields and at providing a structured questions framework. Methodology/methods: The paper is based on conceptual analysis and deduction of the literature and general review of issues related to credit policy management. It containts autors’ own view on the problems included in each stage of credit policy management. Findings: Credit policy management is a subject for numerous dilemmas. The main areas of concerns are related to: the decision about the goal of credit policy managemet with regard to its restrictiveness, the settlement of credit policy with regard to elements of credit policy, and finally the implementation with regard to the risk of bad debts occurrence. Conclusions: (limits, implications etc The establishment of credit policy in a company requires to balance contrary interests and thus involves wide variety of issues to be considered. The presented model of decisive problems might be applied in each company regardless to their size.

  1. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

  2. Insurability of export credit risks

    OpenAIRE

    Alsem, K.J.

    2003-01-01

    This report presents an analysis of the market for export credit insurance. Governments of all developed countries oer exporting companies export credit (re)insurance, either directly or indirectly. This raises the questions 1. What are the key determinants of export credit risk insurability by the private market? 2. Which export credit risks can be covered by the private market? We provide an answer to these questions by means of a literature review and an extensive field study, with special...

  3. 76 FR 47947 - Re-Proposal of Shelf Eligibility Conditions for Asset-Backed Securities

    Science.gov (United States)

    2011-08-05

    ... Delayed Offerings 1. Revised and Re-Proposed Transaction Requirements (a) Certification (b) Credit Risk Manager and Repurchase Request Dispute Resolution Provisions (c) Investor Communication 2. Revised and Re... requirements to replace the current credit rating references in shelf eligibility criteria for asset-backed...

  4. 13 CFR 123.200 - Am I eligible to apply for a physical disaster business loan?

    Science.gov (United States)

    2010-01-01

    ..., corporation, limited liability company, or other legal entity recognized under State law. Your business' size... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Am I eligible to apply for a physical disaster business loan? 123.200 Section 123.200 Business Credit and Assistance SMALL BUSINESS...

  5. 13 CFR 120.332 - What are the eligible uses of proceeds?

    Science.gov (United States)

    2010-01-01

    ... 30% of loan proceeds may be used for research and development: (1) Of an existing product or service... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are the eligible uses of proceeds? 120.332 Section 120.332 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS...

  6. 13 CFR 134.607 - How do I know which eligibility requirement applies to me?

    Science.gov (United States)

    2010-01-01

    ..., association, organization, or unit of local government (3) Business net worth may not exceed 7 million dollars... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How do I know which eligibility requirement applies to me? 134.607 Section 134.607 Business Credit and Assistance SMALL BUSINESS...

  7. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

    There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...

  8. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

    In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

  9. 13 CFR 108.1120 - General eligibility requirement for Leverage.

    Science.gov (United States)

    2010-01-01

    ... for Leverage. 108.1120 Section 108.1120 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION NEW MARKETS VENTURE CAPITAL (âNMVCâ) PROGRAM SBA Financial Assistance for NMVC Companies (Leverage) General Information About Obtaining Leverage § 108.1120 General eligibility requirement for Leverage. To...

  10. 76 FR 73777 - Guidance on Due Diligence Requirements in Determining Whether Investment Securities Are Eligible...

    Science.gov (United States)

    2011-11-29

    ... Determining Whether Investment Securities Are Eligible for Investment AGENCY: Office of the Comptroller of the... associations in meeting due diligence requirements in assessing credit risk for portfolio investments. DATES... Determining Whether Investment Securities Are Eligible for Investment'' to facilitate the organization and...

  11. 13 CFR 304.1 - Designation of Economic Development Districts: Regional eligibility.

    Science.gov (United States)

    2010-01-01

    ... Development Districts: Regional eligibility. 304.1 Section 304.1 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC DEVELOPMENT DISTRICTS § 304.1 Designation of Economic Development Districts: Regional eligibility. Upon the request of a District Organization (as...

  12. 13 CFR 120.331 - What devices or techniques are eligible for a loan?

    Science.gov (United States)

    2010-01-01

    ... BUSINESS LOANS Special Purpose Loans Energy Conservation § 120.331 What devices or techniques are eligible for a loan? Eligible energy conservation devices or techniques include: (a) Solar thermal equipment... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What devices or techniques are...

  13. Credit Where Credit Is Due: Working with Our Service Members to Provide Credit for Experiential Learning

    Science.gov (United States)

    Boerner, Heather

    2013-01-01

    The awarding of prior learning credits for military students goes back to World War II, when the American Council on Education (ACE) first translated military training to college credit. Since then, the practice has expanded. More than 2,000 colleges and universities accept military training as a form of credit, explains Cathy Sandeen, ACE's vice…

  14. Credit and identity theft

    OpenAIRE

    Kahn, Charles M.; Roberds, William

    2005-01-01

    The quintessential crime of the information age is identity theft, the malicious use of personal identifying data. In this paper we model “identity” and its use in credit transactions. Various types of identity theft occur in equilibrium, including “new account fraud,” “existing account fraud,” and “friendly fraud.” The equilibrium incidence of identity theft represents a tradeoff between a desire to avoid costly or invasive monitoring of individuals on the one hand and the need to control tr...

  15. THE RELATIONSHIP BETWEEN EXPORTS, CREDIT RISK AND CREDIT GUARANTEES

    OpenAIRE

    Rienstra-Munnicha, Paul; Turvey, Calum G.

    2002-01-01

    This paper provides an understanding of how the export credit worthiness of an importing country affects export sales of agricultural and other manufactured products and how export credit guarantees or insurance can mitigate risks of non-payment. A theoretical model is developed. It shows how risk mitigation through export credit insurance could increase exports to high risk importing countries. The key result is that the export response curve is more inelastic in the presence of payment risk...

  16. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

    This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading...

  17. Collective credit allocation in science

    CERN Document Server

    Shen, Hua-Wei

    2014-01-01

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, since the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability...

  18. Financial Restructuring and Credit Unions

    OpenAIRE

    Greinke, Andrew

    1998-01-01

    The nature of credit unions as mutual financial institutions is examined and the economic implications of mutuality explored. While manager-shareholder agency costs are likely to be exacerbated within credit unions, shareholder-debtholder agency costs are likely to be eliminated. In this context, the implications for credit unions of the Campbell Report, the Financial Institutions scheme, and the Wallis Inquiry are discussed. While the imposition of risk-weighted capital adequacy requirements...

  19. Credit use: psychological perspectives on a multifaceted phenomenon.

    Science.gov (United States)

    Kamleitner, Bernadette; Hoelzl, Erik; Kirchler, Erich

    2012-01-01

    Consumer borrowing is a highly topical and multifaceted phenomenon as well as a popular subject for study. We focus on consumer credit use and review the existing literature. To categorize what is known we identify four main psychological perspectives on the phenomenon: credit use as (1) a reflection of the situation, (2) a reflection of the person, (3) a cognitive process, and (4) a social process. On top of these perspectives we view credit use as a process that entails three distinct phases: (1) processes before credit acquisition, (2) processes at credit acquisition, and (3) processes after credit acquisition. We review the international literature along a two-tier structure that aligns the psychological perspectives with a process view of credit. This structure allows us to identify systematic concentrations as well as gaps in the existing research. We consolidate what is known within each perspective and identify what seems to be most urgently missing. Some of the most important gaps relate to research studying credit acquisition from the perspective of credit use as a reflection of the person or as a social process. In particular, research on credit use as a reflection of the person appears to focus exclusively on the first stage of the credit process. We conclude with a discussion that reaches across perspectives and identifies overarching gaps, trends, and open questions. We highlight a series of implicit linkages between perspectives and the geographical regions in which studies related to the perspectives were conducted. Beyond diagnosing a geographical imbalance of research, we argue for future research that systematically addresses interrelations between perspectives. We conclude with a set of global implications and research recommendations.

  20. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

    manager education and business association membership are associated with whether a firm is credit constrained or not. Using our preferred measure of credit constraint suggests that around 43 per cent of the firms surveyed are constrained, and these enterprises would almost triple their debt burden......This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  1. The Effects of Hiring Tax Credits on Employment of Disabled Veterans

    Science.gov (United States)

    2012-01-01

    point increase in employment among targeted groups of disabled vet- erans. This impact translates to an additional 32,000 employed disabled...Estimation Aproach DD DDD DDDD Impact of tax credit eligibility on employment probability .048* (.017) .023** (.006) .018** (.005) Sample size 189,632...3 Robustness Checks of Impact Estimates Specification Estimation Aproach DDD DDDD 1. Alternative coding for eligibility .035** (.003) .029** (.004

  2. Multiple Ratings and Credit Spreads

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.N.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  3. Collective credit allocation in science.

    Science.gov (United States)

    Shen, Hua-Wei; Barabási, Albert-László

    2014-08-26

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, because the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability to accurately measure the relative credit of researchers could affect many aspects of credit allocation in science, potentially impacting hiring, funding, and promotion decisions.

  4. Author Credit for Transdisciplinary Collaboration.

    Science.gov (United States)

    Xu, Jian; Ding, Ying; Malic, Vincent

    2015-01-01

    Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors' transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications.

  5. Author Credit for Transdisciplinary Collaboration

    Science.gov (United States)

    Xu, Jian; Ding, Ying; Malic, Vincent

    2015-01-01

    Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors’ transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications. PMID:26375678

  6. Turning the corner : Canada's credit for early action program[Catalogue no. En84-59/2008

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2008-03-15

    The Credit for Early Action Program will recognize firms that took verified early action to reduce greenhouse gases between 1992 and 2006. The purpose of the program is to address the disadvantage that a firm could incur for having undertaken an incremental action to reduce greenhouse gases before the regulatory regime was detailed. This document was intended to obtain feedback on the proposed Credit for Early Action Program, including eligibility rules and the process for allocating credits. The paper presented the objective of the program, guiding principles, and participants. The guiding principles that were discussed included simplicity and cost-effectiveness; fairness; transparency; and consistency. This document also discussed the characteristics of early action credits, the application process, and program requirements such as eligibility and allocation and issuance of early action credits. Several technical issues regarding quantification of greenhouse gas reductions were introduced, along with evidence and the timing of implementation. 1 fig.

  7. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended... association relies substantially upon other factors, such as the general credit standing of the borrower...

  8. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

  9. 7 CFR 4279.131 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4279.131 Section 4279.131 Agriculture... Credit quality. The lender is primarily responsible for determining credit quality and must address all of the elements of credit quality in a written credit analysis including adequacy of equity, cash...

  10. Credit Cards. Bulletin No. 721. (Revised.)

    Science.gov (United States)

    Fox, Linda Kirk

    This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

  11. Neural Mechanisms of Credit Assignment in a Multicue Environment

    Science.gov (United States)

    Kolling, Nils; Brown, Joshua W.; Rushworth, Matthew

    2016-01-01

    In complex environments, many potential cues can guide a decision or be assigned responsibility for the outcome of the decision. We know little, however, about how humans and animals select relevant information sources that should guide behavior. We show that subjects solve this relevance selection and credit assignment problem by selecting one cue and its association with a particular outcome as the main focus of a hypothesis. To do this, we examined learning while using a task design that allowed us to estimate the focus of each subject's hypotheses on a trial-by-trial basis. When a prediction is confirmed by the outcome, then credit for the outcome is assigned to that cue rather than an alternative. Activity in medial frontal cortex is associated with the assignment of credit to the cue that is the main focus of the hypothesis. However, when the outcome disconfirms a prediction, the focus shifts between cues, and the credit for the outcome is assigned to an alternative cue. This process of reselection for credit assignment to an alternative cue is associated with lateral orbitofrontal cortex. SIGNIFICANCE STATEMENT Learners should infer which features of environments are predictive of significant events, such as rewards. This “credit assignment” problem is particularly challenging when any of several cues might be predictive. We show that human subjects solve the credit assignment problem by implicitly “hypothesizing” which cue is relevant for predicting subsequent outcomes, and then credit is assigned according to this hypothesis. This process is associated with a distinctive pattern of activity in a part of medial frontal cortex. By contrast, when unexpected outcomes occur, hypotheses are redirected toward alternative cues, and this process is associated with activity in lateral orbitofrontal cortex. PMID:26818500

  12. Two kinds of credit rationing

    Directory of Open Access Journals (Sweden)

    H.W. ARNDT

    2013-12-01

    Full Text Available Some advocates of financial development have made a powerful case against government control of interest rates by resting their case on the discriminatory effects of credit rationing. In doing so they have confused the issues by attributing to government controls the consequences which normally flow from credit rationing by banks even in the absence of legal control. The object of the article is to clear up the confusion by distinguishing more clearly between two kinds of credit rationing, “bank rationing” and “government rationing”.

  13. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  14. 13 CFR 123.501 - Under what circumstances is your business eligible to be considered for a Military Reservist...

    Science.gov (United States)

    2010-01-01

    ... business eligible to be considered for a Military Reservist Economic Injury Disaster Loan? 123.501 Section 123.501 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Military... considered for a Military Reservist Economic Injury Disaster Loan? Your business is eligible to apply for a...

  15. 5 CFR 537.104 - Employee eligibility.

    Science.gov (United States)

    2010-01-01

    ... STUDENT LOANS § 537.104 Employee eligibility. (a) Subject to the conditions in 5 U.S.C. 5379 and this part, an authorized agency official may approve student loan repayment benefits to recruit a highly qualified job candidate or retain a highly qualified employee who, during the service period established...

  16. 19 CFR 144.1 - Merchandise eligible for warehousing.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Merchandise eligible for warehousing. 144.1 Section 144.1 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY... § 144.1 Merchandise eligible for warehousing. (a) Types of merchandise. Any merchandise subject to duty...

  17. 19 CFR 10.213 - Articles eligible for preferential treatment.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Articles eligible for preferential treatment. 10...; DEPARTMENT OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. Textile and Apparel Articles Under the African Growth and Opportunity Act § 10.213 Articles eligible for preferential treatment...

  18. 45 CFR 1626.5 - Alien status and eligibility.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Alien status and eligibility. 1626.5 Section 1626... RESTRICTIONS ON LEGAL ASSISTANCE TO ALIENS § 1626.5 Alien status and eligibility. Subject to all other... may provide legal assistance to an alien who is present in the United States and who is within one of...

  19. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural credit...

  20. 22 CFR 201.65 - Commissions, discounts and other payments, credits, benefits and allowances.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Commissions, discounts and other payments....65 Commissions, discounts and other payments, credits, benefits and allowances. (a) General. This section sets forth the rules which govern the eligibility of commissions, discounts and certain other...

  1. 77 FR 45411 - Letters of Interest for Credit Assistance Under the Transportation Infrastructure Finance and...

    Science.gov (United States)

    2012-07-31

    ... Transportation Infrastructure Finance and Innovation Act (TIFIA) Program AGENCIES: Office of the Secretary of... billion ($750 million in Federal Fiscal Year (FY) 2013 funds and $1 billion in FY 2014 funds (and any funds that may be available from prior fiscal years)) to provide TIFIA credit assistance for eligible...

  2. Armenia - Water to Market Credit

    Data.gov (United States)

    Millennium Challenge Corporation — The analysis of WtM credit used baseline and final follow-up Farming Practices Survey (FPS) data to summarize beneficiary and loan characteristics, as well as to...

  3. Bankruptcy Reform and Credit Cards

    National Research Council Canada - National Science Library

    Michelle J. White

    2007-01-01

    .... Personal bankruptcy filings fell to 600,000 in 2006. This paper explores why personal bankruptcy rates rose, and will argue that the main reason is the growth of "revolving debt"--mainly credit card debt...

  4. Extending Marketplace Tax Credits Would Make Coverage More Affordable for Middle-Income Adults.

    Science.gov (United States)

    Liu, Jodi; Eiber, Christine

    2017-07-01

    ISSUE: Affordability of health coverage is a growing challenge for Americans facing rising premiums, deductibles, and copayments. The Affordable Care Act's tax credits make marketplace insurance more affordable for eligible lower-income individuals. However, individuals lose tax credits when their income exceeds 400 percent of the federal poverty level, creating a steep cliff. GOALS: To analyze the effects of extending eligibility for tax credits to individuals with incomes above 400 percent of the federal poverty level. METHODS: We used RAND's COMPARE microsimulation model to examine changes in insurance coverage and health care spending. KEY FINDINGS AND CONCLUSIONS: Extending tax-credit eligibility increases insurance enrollment by 1.2 million, at a total federal cost of $6.0 billion. Those who would benefit from the tax-credit extension are mostly middle-income adults ages 50 to 64. These new enrollees would be healthier than current enrollees their age, which would improve the risk pool and lower premiums. Eliminating the cliff at 400 percent of the federal poverty level is one policy option that may be considered to increase affordability of insurance.

  5. Awarding Credit Where Credit Is Due: Effective Practices for the Implementation of Credit by Exam. Adopted Spring 2014

    Science.gov (United States)

    Academic Senate for California Community Colleges, 2014

    2014-01-01

    Credit by Exam is a mechanism employed in the California community colleges as a means of granting credit for student learning outside of the traditional classroom. In some instances, credit by exam is the means used to award college credit for structured learning experiences in a secondary educational setting, while in other instances knowledge…

  6. 12 CFR Appendix to Part 215 - Section 5200 of the Revised Statutes Total Loans and Extensions of Credit

    Science.gov (United States)

    2010-01-01

    ..., business trust, corporation, sovereign government, or agency, instrumentality, or political subdivision... or extensions of credit to the Student Loan Marketing Association shall not be subject to any...

  7. Do healthcare tax credits help poor-health individuals on low incomes?

    Science.gov (United States)

    Di Novi, Cinzia; Marenzi, Anna; Rizzi, Dino

    2017-03-15

    In several countries, personal income tax permits tax credits for out-of-pocket healthcare expenditure. Tax credits benefit taxpayers at all income levels by reducing their net tax liability and modify the price of out-of-pocket expenditure. To the extent that consumer demand is price elastic, they may influence the amount of eligible healthcare expenditure for which taxpayers may claim a credit. These effects influence, in turn, income distributions and taxpayers' health status and therefore income-related inequality in health. Redistributive consequences of tax credits have been widely investigated. However, little is known about the ability of tax credits to alleviate health inequality. In this paper, we study the potential effects that tax credits for health expenses may have on income-related inequality in health status with reference to the Italian institutional setting. The analysis is performed using a tax-benefit microsimulation model that reproduces the personal income tax and incorporates taxpayers' behavioral responses to changes in tax credit rate. Our results suggest that the current healthcare tax credit design tends to favor the richest part of the population.

  8. Analysis of investment crediting propulsion module JSC “Russian agricultural bank” and determination of his priority directions

    OpenAIRE

    Bairam U.; Kirilchuk N.

    2016-01-01

    In article the analysis of investment lending, JSC Russian Agricultural Bank, and also defined the main directions of its development. Feature of investment crediting is obligatory existence of mortgage providing. When crediting agricultural enterprises subjects to crediting can act as providing. In the conclusion authors come to a conclusion that investment crediting is the important tool by means of which it is possible to accelerate and deepen development of agricultural industry. Implemen...

  9. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY: National Credit Union Administration... credit unions (corporates). The final amendments make technical corrections to and clarify certain...

  10. 32 CFR 643.116 - Credit unions.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit unions. 643.116 Section 643.116 National... Additional Authority of Commanders § 643.116 Credit unions. The establishment of credit unions on Army... buildings, without charge for rent or services, to any credit union organized under State law or to any...

  11. 24 CFR 92.221 - Match credit.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Match credit. 92.221 Section 92.221... INVESTMENT PARTNERSHIPS PROGRAM Program Requirements Matching Contribution Requirement § 92.221 Match credit. (a) When credit is given. Contributions are credited on a fiscal year basis at the time the...

  12. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act of 1990, 2 U.S.C. 661, requires Federal agencies to set aside the subsidy cost of new credit...

  13. 75 FR 75648 - Corporate Credit Unions

    Science.gov (United States)

    2010-12-06

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701, 704, and 741 RIN 3133-AD74 Corporate Credit Unions AGENCY: National Credit Union... Board issued a proposed rule amending its corporate credit union rule. 75 FR 73000 (November 29, 2010...

  14. 47 CFR 97.505 - Element credit.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit.... (b) No examination credit, except as herein provided, shall be allowed on the basis of holding or...

  15. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

  16. Credit Scores, Race, and Residential Sorting

    Science.gov (United States)

    Nelson, Ashlyn Aiko

    2010-01-01

    Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and…

  17. Credit bureaus: the long arm of collections.

    Science.gov (United States)

    Black, K G

    1990-11-01

    Credit bureau services often are ignored by healthcare providers as a resource for reducing bad debt. Reporting guarantors' credit information--especially bad debt--to credit bureaus can prevent debtors from obtaining new credit before an overdue hospital bill is paid, thereby reducing the number of past due accounts and increasing the hospital's cash flow.

  18. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  19. An Examination of the Credit Card Payment Practices of College Students

    OpenAIRE

    Munro, Jennifer L.

    1997-01-01

    An Examination of the Credit Card Payment Practices of College Students by Jennifer L. Munro (ABSTRACT) Every year, young adults graduate from high school and enter college. Often, college is the first opportunity students have to manage money. For some students, this means owning and managing their first credit cards. Colleges and universities frequently allow credit card vendors to solicit on campus. This practice is subject to criticism by the popular media, which reports hor...

  20. Formation of the mechanism for credit asessment of borrowers in conditions of economic instability

    Directory of Open Access Journals (Sweden)

    N.G. Vygovska

    2016-06-01

    Full Text Available The article investigates the state of the credit portfolio of banks in the conditions of instability of the environment and the development of the credit rating of the borrower as a mechanism to prevent the direction of growth of bad debts. The research of the state and dynamics loan portfolio has revealed its sharp deterioration in recent years due to the instability of the external macro environment. The need to reduce the volume of bad debts requires the formation of an adequate mechanism for the borrower's credit rating. Under the mechanism defined in the article the subject-object interaction and providing subsystems have aimed at making management decisions about credit and credit determination capabilities of the enterprise. The authors propose the composition of such a mechanism from the position of a system approach with the subject-object allocation and providing subsystems. As a part of providing credit subsystems the article has allocated a methodological, methodical, information, personnel and organizational support. The article has formed the basic methodological principles of credit rating, namely a comprehensive assessment; the accuracy of the assessment; the progressiveness of the assessment; an objective assessment; professionalism; reality evaluation. Using the proposed credit assessment the mechanism in practice will enhance the effectiveness of the credit relationship between the bank and the borrower. Keywords: credit portfolio; mechanism; creditworthiness assessment; economic instability.

  1. Gallery forest restoration by the attainment of carbon credit: a social-environmental proposal for low-income community; Restauracao de mata ciliar pela viabilizacao de credito de carbono: uma proposta socio-ambiental para comunidade de baixa renda

    Energy Technology Data Exchange (ETDEWEB)

    Coelho, Maria Carolina Crisci

    2007-07-01

    Due to intensification in climate changes by anthropogenic causes, to the recognition of the environmental importance of the Gallery Forest and its intense degradation, this work presents an analysis of the possibilities of carbon credit attainment by low-income community, as part of an incentive program for the restoration of these areas. Two ways are demonstrated: projects of Clean Development Mechanism (CDM), in the scope of the Kyoto Protocol, that generate credits called certified emission reductions; and projects based on voluntary scheme, that generate voluntary emission reductions. Both are difficult to organize and implement. For example: the eligibility of an area, baseline study, monitoring, non-permanence risks of storage carbon, technical and operational structures, operational and business costs, regulated market in consolidation and guarantee of credit acquisition. Nevertheless, this second market presents greater flexibility and acceptance for the forest projects. The social-environmental benefits of these projects are significant and the valuation of their environmental services can revert in financial incentives for low-income community, since that adequately remunerated. The carbon credit can help in the implementation of these projects, contributing for local restoration of the areas and also for carbon capture by the atmosphere, which this is a global subject. (author)

  2. Who needs credit and who gets credit in Eastern Europe

    NARCIS (Netherlands)

    Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

    2011-01-01

    Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

  3. Credit rating dynamics and competition

    DEFF Research Database (Denmark)

    Hirth, Stefan

    2014-01-01

    I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics if sophis......I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics...

  4. 78 FR 2449 - Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions

    Science.gov (United States)

    2013-01-11

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Notice of Funding Opportunity. SUMMARY: The National Credit...

  5. 12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Special loans, production credit associations and agricultural credit associations. 614.4530 Section 614.4530 Banks and Banking FARM CREDIT..., production credit associations and agricultural credit associations. Under policies approved by the bank...

  6. 19 CFR 10.64 - Crediting or cancellation of bonds.

    Science.gov (United States)

    2010-04-01

    ... chapter may be credited or canceled in respect of such articles upon the vessel's departure from the port of lading in a class of trade or business entitling the articles to exemption from duty and tax under... OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. General Provisions...

  7. Geostudies: Structuring a Multi-Credit Outdoor Environmental Course.

    Science.gov (United States)

    Simms, Kevin

    1996-01-01

    Offers a guide for designing a multi-credit course integrating several subject areas including geography, environmental science, and outdoor education. The program has three main components-theoretical, experiential and practical-involving classroom and field studies, environmental co-op, and environmental leadership opportunities. Timetabling and…

  8. Eligibility for renal denervation

    DEFF Research Database (Denmark)

    Persu, Alexandre; Jin, Yu; Baelen, Marie

    2014-01-01

    Based on the SYMPLICITY studies and CE (Conformité Européenne) certification, renal denervation is currently applied as a novel treatment of resistant hypertension in Europe. However, information on the proportion of patients with resistant hypertension qualifying for renal denervation after...... a thorough work-up and treatment adjustment remains scarce. The aim of this study was to investigate the proportion of patients eligible for renal denervation and the reasons for noneligibility at 11 expert centers participating in the European Network COordinating Research on renal Denervation in treatment......-resistant hypertension (ENCOReD). The analysis included 731 patients. Age averaged 61.6 years, office blood pressure at screening was 177/96 mm Hg, and the number of blood pressure-lowering drugs taken was 4.1. Specialists referred 75.6% of patients. The proportion of patients eligible for renal denervation according...

  9. 49 CFR 526.5 - Earning offsetting monetary credits in future model years.

    Science.gov (United States)

    2010-10-01

    ... UNDER THE AUTOMOBILE FUEL EFFICIENCY ACT OF 1980 § 526.5 Earning offsetting monetary credits in future... for the class of automobiles which may fail to comply with a fuel economy standard and for any other... the class of automobiles subject to the credit earning plan, for each model year beginning with the...

  10. Online Credit Recovery: Enrollment and Passing Patterns in Montana Digital Academy Courses. REL 2016-139

    Science.gov (United States)

    Stevens, David; Frazelle, Sarah

    2016-01-01

    Most U.S. school districts (88 percent) offer credit recovery courses or programs for students. In rural states such as Montana, online credit recovery options are especially popular because they allow schools to serve students in remote areas throughout the year, across a range of subjects, and with few additional resources (Carver & Lewis,…

  11. 26 CFR 1.31-1 - Credit for tax withheld on wages.

    Science.gov (United States)

    2010-04-01

    ... credit against the tax imposed by Subtitle A of the Internal Revenue Code of 1954, upon the recipient of... recipient of the income even though such tax has not been paid over to the Government by the employer. For the purpose of the credit, the recipient of the income is the person subject to tax imposed under...

  12. Factors Affecting the Behavior of University Community to Use Credit Card

    Directory of Open Access Journals (Sweden)

    Maya Sari

    2011-12-01

    Full Text Available This study was aimed to gain insights and tested the factors that influence credit cards usage in university community of UPI through Theory of Planned Behavior model approach. Using Path Analysis to explain the direct and indirect influence of attitude, subjective norm and behavioral control to intention and behavior of credit card usage. The results showed all respondents have a positive attitude towards credit cards usage, with high influence of subjective norm, high behavior control, high intention to use credit cards and all respondents used credit cards wisely. There was positive and significant effect either simultaneously or partially between behavioral attitudes, subjective norms, and behavior control toward the intention to use credit card. The partial test results showed behavioral attitude has the greatest influence on the intention to use credit card. There was a positive and significant influence both simultaneously and partially between behavioral attitudes, subjective norms, and behavioral control on default-risk debt behavior. The partial results showed that attitude gives the greatest influence on default debt risk behavior. The result also proved there was a positive and significant influence of the intention to use credit card on default debt risk behavior.

  13. Brownfields New Markets Tax Credits

    Science.gov (United States)

    This Brownfi elds Solutions factsheet is intended for brownfields stakeholders interested in how the U.S. Department of the Treasury’s New Markets Tax Credit (NMTC) Program can be used as a financing mechanism in brownfields cleanup and redevelopment.

  14. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  15. Virtual Credit Card Processing System

    OpenAIRE

    Gray, Geraldine; Church, Karen; Ayres, Tony

    2015-01-01

    The virtual credit card processing system is an e-business system we have developed which provides a secure and universal mechanism for making purchases over the Internet. The system uses Remote Method Invocation (RMI), Java Server Pages (JSP), Java Servlets and Java Database Connectivity (JDBC). We also look at the possibility of implementing the system using the Web Services architecture.

  16. Credit Policy within BRD Bank

    Directory of Open Access Journals (Sweden)

    Moraru Camelia

    2017-01-01

    It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.

  17. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...

  18. Dealer Pricing of Consumer Credit

    NARCIS (Netherlands)

    Hochguertel, S.; Bertola, G.; Koeniger, W.

    2005-01-01

    Price discrimination incentives may induce dealers to bear the financial cost of their customers' credit purchases. We focus on how financial market imperfections make it possible to segment the customer population. When borrowing and lending rates differ from each other and from the rate of

  19. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Žaldokas, Alminas

    2013-01-01

    We present evidence that banking development plays a key role in technological progress. We focus on manufacturing firms' innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities ...... that these results are strongly driven by a greater ability of deregulated banks to geographically diversify credit risk....

  20. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    .S. states during the 1980s and 1990s. We find that deregulation had significant beneficial effects on the quantity and quality of innovation activities, especially for firms highly dependent on external capital and located closer to entering banks. Furthermore, we find that these results are partly driven...... by a greater ability of deregulated banks to geographically diversify credit risk....

  1. Credit Risk Modelling and Implementation of Credit Risk Models in China

    OpenAIRE

    Yu, Mengxiao

    2007-01-01

    Credit risk, or the risk of counterparty default, is an important factor in the valuation and risk management of financial assets. It has become increasingly important to financial institutions. A variety of credit risk models have been developed to measure credit risk. They are J.P. Morgan's CreditMetrics; KMV's PortfolioManager based on Merton (1974) option pricing model; macroeconomic model CreditPortfolio View developed by McKinsey; CSFB's Credit Risk+ Model based on actuarial science fra...

  2. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

    This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

  3. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

    Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

  4. Financial Literacy and Credit Card Behaviors: A Cross-Sectional Analysis by Age

    Directory of Open Access Journals (Sweden)

    Sam Allgood

    2013-07-01

    Full Text Available In this study, we use a measure of financial literacy that includes both a test score of actual financial literacy and a self-rating of perceived financial literacy to investigate how financial literacy affects five credit card behaviors: (1 always paying a credit card balance in full; (2 carrying over a credit card balance and being charged interest; (3 making only a minimum payment on a credit card balance; (4 being charged a fee for a late payment; and (5 being charged a fee for exceeding a credit limit. Probit analysis was used to assess each behavior with a large nationally representative sample of U.S. adults (N = 28,146 divided into groups to reflect the five major decades in the adult life cycle (18–29; 30–39; 40–49; 50–59; and 60–69 and older. Perceived financial literacy was found to be a stronger predictor of less costly practices in credit card use than actual financial literacy for the five credit card behaviors and across each of the five age groups. The study also shows that the combination of the subjective assessment with the objective assessment of financial literacy provides a more comprehensive analysis of how financial literacy affects each credit card behavior. This combined approach to assessment produced the largest estimates of the effects of financial literacy on credit card behavior. The findings hold across the five credit card behaviors and the five age groups.

  5. 7 CFR 274.10 - Use of identification cards and redemption of coupons by eligible households.

    Science.gov (United States)

    2010-01-01

    ... restaurants. (iv) Eligible households residing in areas of Alaska determined by FNS as areas where access to... 278.2(g) of this chapter. (3) Residents of shelters for battered women and children as defined in... change nor credit slips shall be returned for coupons used for the purchase of prepared meals from...

  6. 75 FR 30687 - Organization; Eligibility and Scope of Financing; Funding and Fiscal Affairs, Loan Policies and...

    Science.gov (United States)

    2010-06-02

    ..., 615, 619 and 620 RIN 3052-AC43 Organization; Eligibility and Scope of Financing; Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations; Definitions; and Disclosure to Shareholders... Analyst, Office of Regulatory Policy, Farm Credit Administration, McLean, Virginia 22102-5090, (703) 883...

  7. 77 FR 35259 - Guidance on Due Diligence Requirements in Determining Whether Securities Are Eligible for Investment

    Science.gov (United States)

    2012-06-13

    ..., principles, and due diligence processes should be commensurate with the complexity of the investment... Requirements in Determining Whether Securities Are Eligible for Investment AGENCY: Office of the Comptroller of... in meeting due diligence requirements in assessing credit risk for portfolio investments. Today, the...

  8. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

    American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

  9. Formation of borrower’s bank credit scoring integrated model

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2017-03-01

    Full Text Available The article proposes the borrower’s bank credit scoring model that is of particular relevance in an unstable world and Ukrainian financial markets. The essence of this integrated model is the consistent definition of indicators, which analyze the financial and economic situation and development of scoring that allows to calculate overall index, that is, the integral factor of credit scoring level of the bank to calculate which one uses the formed set of factors characterizing riskiness, profitability and liquidity of the banking institution. The author determines the factors according to their functional purpose; the former ones are divided into four groups: capital adequacy, loan portfolio quality, profitability and liquidity. Each group consists of four indicators; each indicator is assigned thresholds to determine the appropriate credit scoring level of the bank for one or another direction. The higher is the value of the integral factor, the more efficient and less risky is the financial and economic activity of banks and the higher is their credit scoring level. The study concludes that the proposed model for bank credit scoring differs with its transparency and clarity due to use in its implementation only public information. The disadvantages include the presence of the subjective factor in assigning a certain number of points based on expert and normative methods.

  10. LEGAL ASPECTS OF THE REGULATORY FRAMEWORK FOR CREDIT RATING AGENCIES

    Directory of Open Access Journals (Sweden)

    Oana Mihaela MARIOARA (ORHEIAN

    2014-06-01

    Full Text Available This article makes an analysis of the main regulations used by the credit rating agencies on the financial market. The article describes the main specific legislation on credit rating agencies existing on the market. Credit rating agencies are issuing independent opinions on the reliability of an entity, of a debt, of financial obligations, or of a certain financial instrument. The credit ratings issued by the credit rating agencies established in the European Union are analysed by investors, debtors, issuers and governments, helping all these entities in making any decisions on investments and financing. These ratings may also serve as reference for determining their own funds, necessary to ensure the solvency or reference helping the investors in assessing any risks related to their investment activities. Rating agencies and the products they offer on the international capital market are subject of various researches, which mainly refer to market structure and organization, to the architecture of agencies` s rating systems, to the rating functions, to the controversies concerning rating activity, the role of rating agencies and rating quality.

  11. Capacity Credit and Security of Supply

    DEFF Research Database (Denmark)

    Chozas, Julia Fernandez; Mathiesen, Brian Vad

    2015-01-01

    demand for electricity is highest, the study focuses on the capacity credit of future Danish scenarios including high penetrations of offshore wind, onshore wind, wave and solar PV. The results of this project can ultimately lead towards the improvement of existing rules and methods in system planning......This paper addresses the question of how renewable energies can contribute to security of supply. In order to analyse this subject, the paper has two differentiated parts. In the first part, the concept of security of supply is reviewed. This provides the baseline to understand how current...... electricity systems are planned, and how renewable energies fit in these systems. The second part of the article assesses the actual contribution that variable renewable energies can make to security of supply, firstly from a qualitative point of view and secondly in measurable terms. The study is based...

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    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira ...

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Equipe Editorial Revisão de Língua Portuguesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKíssila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Revisão de Língua Inglesa Hélvia Pereira Pinto Bastos Capa, Projeto Gráfico André da Silva Cruz Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Revisão Técnica e Catalogação Inez Barcellos de Andrade Logotipo Marcos Antonio Esquef Maciel Dados de Catalogação na Publicação (CIP V567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997- QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009. ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica 1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense. CDD - 370.5 Revista Indexada em: Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEER Sistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEX Directory Open Access Journals (DOAJ Revista filiada à: Associação Brasileira de Editores Científicos Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728 A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense. Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial. É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste número Maria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto Júnior Bolsista de Iniciação Científica Camilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Isabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Capa André da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Guiomar do Rosário Valdez Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaLeonardo Neves dos Santos Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de AndradeMichele Siqueira Pessanha CopidesqueEdson Carlos Nascimento Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Clicheria Cromos Ltda. | Tel.: (41 3021-5337

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Maria Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Editora-Chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando de Prado Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 1998 - .- Campos dos Goytacazes (RJ: Essentia Editora,1998- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728

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    Directory of Open Access Journals (Sweden)

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando Prado de Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplares Impressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Apoio TécnicoCarlos David PascoDenia Cristina da Silva BarretoGisele Carvalho da Silva Costa Nogueira Bolsista de Iniciação CientíficaJáder da Mota SiqueiraJúlio Fontoura Gonçalves de LimaSamara Melo RodriguesWanessa Alves Duarte Revisão de Texto Edinalda Maria Almeida da SilvaVania Cristina Alexandrino Bernardo Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica Inez Barcellos de Andrade CopidesqueCláudia de Souza CaetanoCatalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIPB688 Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2007 - .- Campos dos Goytacazes (RJ: Essentia Editora,2007- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Borzan Indústria Gráfica | Tel.: (22 3211-9274

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorLuiz Felipe Umbelino dos SantosBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraDiego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade CopidesqueEdson Carlos NascimentoDados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  7. Repossession and the Democratization of Credit

    OpenAIRE

    Assunção,Juliano J.; Efraim Benmelech; Fernando S. S. Silva

    2014-01-01

    We exploit a 2004 credit reform in Brazil that simplified the sale of repossessed cars used as collateral for auto loans. We show that the reform expanded credit to riskier, self-employed borrowers who purchased newer, more expensive cars. The legal change has led to larger loans with lower spreads and longer maturities. Although the credit reform improved riskier borrowers' access to credit, it also led to increased incidences of delinquency and default. Our results shed light on the consequ...

  8. Credit Card Usage and Knowledge in Thailand

    OpenAIRE

    Sangsutisearee, Wanna

    1993-01-01

    This study was conducted to determine the relationship between the characteristics of credit card holders and the extent of credit card usage, the level of credit card knowledge, and the consumer's choice perspectives. The characteristics of credit card holders studied were (a) gender, (b) age, (c) marital status, (d) education, (e) income, and (f) occupation. Data for this study were collected in Bangkok, Thailand by telephone interviews during July- August 1993. The sample consisted of 1...

  9. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

    Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

  10. 12 CFR 1408.15 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Credit report. 1408.15 Section 1408.15 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.15 Credit report. In order to aid the Corporation in making...

  11. 7 CFR 3565.211 - Interest credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

  12. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

  13. 12 CFR 608.815 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit report. 608.815 Section 608.815 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 608.815 Credit report. In order to aid the FCA in making...

  14. 32 CFR 644.546 - Credit.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit. 644.546 Section 644.546 National Defense... Disposal Sale Procedure § 644.546 Credit. Payment of the purchase price over an extended period of time... interest to extend credit. Prior to offering property for sale on an extended payment plan basis, approval...

  15. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

  16. Consumer Credit: Evidence from Italian Micro Data

    NARCIS (Netherlands)

    Hochguertel, S.; Alessie, R.; Weber, G.

    2005-01-01

    In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force

  17. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  18. 75 FR 17083 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions...

    Science.gov (United States)

    2010-04-05

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701, 708a, and 708b Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions; Correction AGENCY: National Credit Union Administration. ACTION: Notice...

  19. Trade Credit Terms and Credit Practices of Selected Firms in Accra ...

    African Journals Online (AJOL)

    Management of trade credit has been observed to be problematic for Finance Managers because the credit offered affects sales, profits, and cash flow position of a firm. The study was conducted to analyse the trade credit terms and credit collection practices of 96 firms in the Accra-Tema Metropolis. Questionnaires were ...

  20. Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

    Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

  1. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

    Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

  2. Credit allocation for research institutes

    Science.gov (United States)

    Wang, J.-P.; Guo, Q.; Yang, K.; Han, J.-T.; Liu, J.-G.

    2017-05-01

    It is a challenging work to assess research performance of multiple institutes. Considering that it is unfair to average the credit to the institutes which is in the different order from a paper, in this paper, we present a credit allocation method (CAM) with a weighted order coefficient for multiple institutes. The results for the APS dataset with 18987 institutes show that top-ranked institutes obtained by the CAM method correspond to well-known universities or research labs with high reputation in physics. Moreover, we evaluate the performance of the CAM method when citation links are added or rewired randomly quantified by the Kendall's Tau and Jaccard index. The experimental results indicate that the CAM method has better performance in robustness compared with the total number of citations (TC) method and Shen's method. Finally, we give the first 20 Chinese universities in physics obtained by the CAM method. However, this method is valid for any other branch of sciences, not just for physics. The proposed method also provides universities and policy makers an effective tool to quantify and balance the academic performance of university.

  3. 50 CFR 85.20 - Eligible activities.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Eligible activities. 85.20 Section 85.20... Grants § 85.20 Eligible activities. (a) Eligible grant activities—coastal States: (1) Eligible activities... activities—all States: (1) Eligible grant activities include education/information program to educate/inform...

  4. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

  5. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm Credit...

  6. Credit Monitoring – a Core of Credit Risk Management: Theory and Experience

    Directory of Open Access Journals (Sweden)

    Daiva Jurevičienė

    2013-11-01

    Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.

  7. 75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

    Science.gov (United States)

    2010-04-08

    ... COMMISSION WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC... a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager... for the low income housing tax credit under the Internal Revenue Code of 1986, as amended. The Manager...

  8. 76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

    Science.gov (United States)

    2011-07-12

    ... COMMISSION WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC... for the low income housing tax credit under the Internal Revenue Code of 1986, as amended. The Manager... sections other than rule 38a-1 under the Act. Applicants: WNC Tax Credits 40, LLC (``Fund 40'') and WNC Tax...

  9. 12 CFR 614.4540 - Other financing institution access to Farm Credit Banks and agricultural credit banks for funding...

    Science.gov (United States)

    2010-01-01

    ... POLICIES AND OPERATIONS Farm Credit Bank and Agricultural Credit Bank Financing of Other Financing Institutions § 614.4540 Other financing institution access to Farm Credit Banks and agricultural credit banks..., discounts, and obtains other similar financial assistance from a Farm Credit Bank or agricultural credit...

  10. Development of Consumer Credit Laws in Malaysia

    OpenAIRE

    Rahman, Ahmad Saufi Abdul

    2007-01-01

    Consumer Credit is a branch of Commercial Law, which has been developing in recent years inMalaysia. The purpose of this paper is to summarize the latest amendments in the consumer credit laws inMalaysia and to highlight its significance. The discussion will be limited to the three most important laws ofconsumer credit in Malaysia: the hire-purchase, money lending and pawn broking laws.

  11. Improving Software Citation and Credit

    CERN Document Server

    Allen, Alice; DuPrie, Kimberly; Mink, Jessica; Nemiroff, Robert; Robitaille, Thomas; Shamir, Lior; Shortridge, Keith; Taylor, Mark; Teuben, Peter; Wallin, John

    2015-01-01

    The past year has seen movement on several fronts for improving software citation, including the Center for Open Science's Transparency and Openness Promotion (TOP) Guidelines, the Software Publishing Special Interest Group that was started at January's AAS meeting in Seattle at the request of that organization's Working Group on Astronomical Software, a Sloan-sponsored meeting at GitHub in San Francisco to begin work on a cohesive research software citation-enabling platform, the work of Force11 to "transform and improve" research communication, and WSSSPE's ongoing efforts that include software publication, citation, credit, and sustainability. Brief reports on these efforts were shared at the BoF, after which participants discussed ideas for improving software citation, generating a list of recommendations to the community of software authors, journal publishers, ADS, and research authors. The discussion, recommendations, and feedback will help form recommendations for software citation to those publishers...

  12. An endogenous model of the credit network

    Science.gov (United States)

    He, Jianmin; Sui, Xin; Li, Shouwei

    2016-01-01

    In this paper, an endogenous credit network model of firm-bank agents is constructed. The model describes the endogenous formation of firm-firm, firm-bank and bank-bank credit relationships. By means of simulations, the model is capable of showing some obvious similarities with empirical evidence found by other scholars: the upper-tail of firm size distribution can be well fitted with a power-law; the bank size distribution can be lognormally distributed with a power-law tail; the bank in-degrees of the interbank credit network as well as the firm-bank credit network fall into two-power-law distributions.

  13. THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

    Directory of Open Access Journals (Sweden)

    Laércio Baptista da Silva

    2013-06-01

    Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.

  14. FACTORING- CREDIT OPPORTUNITIES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ADELA IONESCU

    2013-05-01

    Full Text Available Capital is the main factor of production, business development becomes virtually impossible without taking into account the financial market and the resources it provides to businesses. Any business, regardless of its degree of development, is involving direct contact with financial markets, namely the institutions that mediate mobilization of capital and the services they provide. Understanding the functioning of the financial system, the specific financial mechanisms through which savings are allocated to support capital investments and the costs and risks involved is essential for the development of a solid base for business. In this context, factoring operations can support economic agents, allowing a transfer of commercial receivables from their holder to a factor who commits to their recovery and guarantee such operations even if temporary or permanent insolvency of the debtor . Thus, factoring is a complex technique in at least two aspects, of the debt and the transfer of credit. . Factoring is a means of financing business, especially export-import transactions, less known in Romania. Maybe because of poor business environment popularize the term is as little known as it was a few years ago the leasing. Present in Romanian legislation since 2002, factoring appears as a contract between one party (called adherent, providing goods or service and a banking company or a financial institution specialized (called factor, which the last one shall finance debts pursuing and preservation against credit risks and adherent gives factor by way of sale, debts arising from the sale of goods or services to third parties. The article is divided into three parts. In the first part we defined the concept of factoring and international factoring, then I presented the advantages and development of factoring in Romania, and the last part conclusions.

  15. Green Power Partnership Eligible Organizations

    Science.gov (United States)

    The U.S. EPA's Green Power Partnership is a voluntary partnership program designed to reduce the environmental impact of electricity generation by promoting renewable energy. Many different types of organizations are eligible to become Partners.

  16. Effectiveness of Credit Management for Maintaining Liquidity and Increasing Profitability

    OpenAIRE

    Sari, Putri Agusta

    2013-01-01

    In credit distribution, bank has used the principle of 5C. However, the bank is still not optimally apply the whole principle 5C. To achieve an effective credit management then the bank must make improvements in the analysis of credit. Type of research method is descriptive. This research is used to determine the credit management applied PT. Bank Tabungan Negara ( Persero ) Tbk, includes : Credit application Process, Credit Approval Process, Supervision Credit and redemption Technique, and...

  17. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    OpenAIRE

    Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN

    2014-01-01

    This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...

  18. The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

    Science.gov (United States)

    Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

    2010-01-01

    The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

  19. 75 FR 15573 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-03-29

    ... From the Federal Register Online via the Government Publishing Office ] Part III National Credit Union Administration 12 CFR Parts 701, 708a, and 708b Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions; Proposed Rules #0;#0;Federal Register / Vol. 75, No. 59...

  20. Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.

    Science.gov (United States)

    Pathak, Arohi; Keenan, Nancy

    In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…

  1. Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the HELOC Market

    NARCIS (Netherlands)

    Calem, P.; Cannon, M.; Nakamura, L.I.

    2011-01-01

    We empirically study how the underlying riskiness of the pool of home equity line of credit originations is affected over the credit cycle. Drawing from the largest existing database of U.S. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on

  2. Tiebreaker: Certification and multiple credit ratings

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  3. Business and Default Cycles for Credit Risk

    NARCIS (Netherlands)

    Koopman, S.J.; Lucas, A.

    2005-01-01

    Various economic theories are available to explain the existence of credit and default cycles. There remains empirical ambiguity, however, as to whether these cycles coincide. Recent papers suggest by their empirical research set-up that they do, or at least that defaults and credit spreads tend to

  4. Forecasting the value of credit scoring

    Science.gov (United States)

    Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd

    2017-08-01

    Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.

  5. Trade credit, collateral liquidation, and borrowing constraints

    NARCIS (Netherlands)

    Fabbri, D.; Menichini, A.M.C.

    2010-01-01

    Assuming that firms’ suppliers are better able to extract value from the liquidation of assets in default and have an information advantage over other creditors, the paper derives six predictions on the use of trade credit. (1) Financially unconstrained firms (with unused bank credit lines) take

  6. Dealing with Student Credit Card Debt.

    Science.gov (United States)

    Stanford, William E.

    1999-01-01

    Discusses the danger of college students accumulating a level of credit card debt that can seriously undermine their future lives. Offers 10 suggestions for colleges including controlling solicitations, offering workshops to freshmen, adding credit information to the campus Web site, communicating with the senior class, and discouraging or…

  7. Cognitive Credit Cards: Acquiring Learning Strategies.

    Science.gov (United States)

    Edmunds, Alan L.

    1999-01-01

    Describes the Cognitive Credit Card, an individualized approach to helping students with learning disabilities select and apply appropriate learning strategies. The CCC is a credit card-sized laminated set of cognitive or metacognitive cues for a specific topic. Feedback from students, teachers, and parents has been highly positive. (DB)

  8. College Student Performance and Credit Card Usage.

    Science.gov (United States)

    Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd Starr

    2001-01-01

    Examines the relationship between credit card usage, employment, and academic performance among a group of college students with credit cards. Results reveal that the students differed significantly in the level of anxiety felt from carrying debt, perceived need to work, and perceived impact of employment on academic performance. (Contains 57…

  9. 27 CFR 28.334 - Credit allowance.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Credit allowance. 28.334 Section 28.334 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS EXPORTATION OF ALCOHOL Action on Claims § 28.334 Credit allowance. Where the...

  10. ED Strengthens Credit Management and Debt Collection.

    Science.gov (United States)

    Olmo, Ralph J.

    1982-01-01

    This interview with the comptroller for the U.S. Department of Education focuses on efforts to improve credit management and debt collection. Topics discussed are the credit management initiative, the extent of the problem, improvements, the Housing and Facilities Loan Program, and the significance of the Debt Collection Act of 1982. (JOW)

  11. 40 CFR Appendix G to Part 403 - Pollutants Eligible for a Removal Credit

    Science.gov (United States)

    2010-07-01

    ... Selenium X Zinc X Total hydrocarbons X 1 Key: LA—land application. SD—surface disposal site without a liner..., Hexachlorocyclopentadiene, Hexachloroethane, Hydrogen cyanide, Isophorone, Lindane, Methylene chloride, Nitrobenzene, N... sewage sludge unit without a liner and leachate collection system. 2 Active sewage sludge unit with a...

  12. 75 FR 72660 - Extension of Temporary Exemptions for Eligible Credit Default Swaps To Facilitate Operation of...

    Science.gov (United States)

    2010-11-26

    ... Michael J. Reedich, Special Counsel, Office of Chief Counsel, Division of Corporation Finance, at (202... other reasons, a number of legislative initiatives relating to the regulation of derivatives, including... legislative initiatives or the Treasury proposals.\\12\\ \\12\\ See, e.g., Derivatives Trading Integrity Act of...

  13. Students’ Competency in Credit-Modular System and Analysis of Credit-Modular Efficiency Credit System in Teaching «Pediatrics»

    Directory of Open Access Journals (Sweden)

    I.V. Shlimkevych

    2015-04-01

    Full Text Available The analysis of the effectiveness of implementation of the credit-modular system of educational process in teaching the subject of «Pediatrics». Regarding that the legal and ethical safeguards, human rights protection are integral components of quality, it will also contribute to improvement of medical care delivering. Practical training contributes to improve clinical medical comprehension of a future physician, that is, the ability to comprehensively assess the diversity of symptoms of a clinical manifestation and make decisions instantly. Practical training of physicians is a compulsory component of educational and vocational programs to obtain qualification and is intended to develop professional skills.

  14. Sovereign Credit Risk, Liquidity and ECB Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    This paper explores the interaction between credit risk and liquidity, in the context of the intervention by the European Central Bank (ECB), during the Euro-zone crisis. The laboratory for our investigation is the Italian sovereign bond market, the largest in the Euro-zone. We use a unique data...... between changes in Italian sovereign credit risk and liquidity in the secondary bond market, conditional on the level of credit risk, measured by the Italian sovereign credit default swap (CDS) spread. We demonstrate the existence of a threshold of 500 basis points (bp) in the CDS spread, above which...... break following the announcement of the implementation of the Long-Term Re nancing Operations (LTRO) by the European Central Bank (ECB) on December 8, 2012. The improvement in liquidity in the Italian government bond market strongly attenuated the dynamic relationship between credit risk and market...

  15. Dynamic Dependence and Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize dependence and tail dependence in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between the dependence dynamics for credit spreads and equity returns...... correlations during the crisis and remains high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads. The decrease in diversification potential caused...... by the increase in dependence and tail dependence is large. Finally, we find that the CDS volatility, correlation and tail dependence measures that we have constructed using the dynamic copula model are important determinants of credit spreads over time....

  16. CREDIT RATING AGENCIES AND THEIR INFLUENCE ON CRISIS

    Directory of Open Access Journals (Sweden)

    Petris Sorina Ioana

    2014-12-01

    Full Text Available Credit ratings have a significant impact on the functioning of markets and the confidence of investors and consumers, investors using them to assess credit risk. Having a major role in the proper functioning of financial markets, it is vital for these rating agencies to operate in a manner more objective and credible as possible. In the world there are several rating agencies, but in reality counts only 3 (The Big Three: Moody's, Standard and Poor's and Fitch, who account for almost 95% of the market. Rating agencies have been the subject of intense criticism because of the role they have had in the trigger of financial crisis. Given that the major rating agencies are American, the U.S. having a particular interest in the euro area can raise the question whether this wave of downgrades is not a part of the scenario under which the U.S. has managed to export its own crisis around the world.

  17. 19 CFR 10.302 - Eligibility criteria in general.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Eligibility criteria in general. 10.302 Section 10.302 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. United States-Canada Free...

  18. 19 CFR 10.253 - Articles eligible for preferential treatment.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Articles eligible for preferential treatment. 10...; DEPARTMENT OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. Andean Trade Promotion and Drug Eradication Act Extension of Atpa Benefits to Tuna and Certain Other Non-Textile Articles...

  19. 19 CFR 10.223 - Articles eligible for preferential treatment.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Articles eligible for preferential treatment. 10...; DEPARTMENT OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. United States-Caribbean Basin Trade Partnership Act Textile and Apparel Articles Under the United States-Caribbean Basin...

  20. 19 CFR 10.243 - Articles eligible for preferential treatment.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Articles eligible for preferential treatment. 10...; DEPARTMENT OF THE TREASURY ARTICLES CONDITIONALLY FREE, SUBJECT TO A REDUCED RATE, ETC. Andean Trade Promotion and Drug Eradication Act Apparel and Other Textile Articles Under the Andean Trade Promotion and...

  1. Global Credit Crunch and Accounting

    Directory of Open Access Journals (Sweden)

    Haluk BENGÜ

    2015-12-01

    Full Text Available The concept of economic crisis is accepted to have entered management literature following the 1929 economic crisis. Can accounting be blamed for economic or financial crises? Is it fair to say that a defect or negligence in accounting and auditing played a role in the occurrence and rapid dissemination of the current global credit crunch? In other words, is it possible to find a link between the reasons for or results of the global financial crisis and the basic principles of accounting, the generally accepted accounting principles, the prevalent accounting approaches, methods and practices, the regulations on accounting, accounting audit and any relevant professional or legal regulation and accounting culture and values? The objective of this communiqué is to open the above-mentioned questions up for discussion. The answers to these questions are quite important, in that they will provide clues that can be used to shape the future of accounting and auditing. This study is expected to be inspirational for further empirical studies to be carried out in this domain.

  2. Geoengineering with seagrasses: is credit due where credit is given?

    Science.gov (United States)

    Johannessen, Sophia C.; Macdonald, Robie W.

    2016-11-01

    Blue carbon, the carbon fixed by vegetated coastal ecosystems including seagrasses, is reported to have a large potential to sequester atmospheric carbon dioxide. Planting, expanding or protecting seagrass meadows has, accordingly, been proposed as a form of geoengineering. Seagrasses are reported to account for up to 18% of the carbon burial in the world’s oceans, which is on the same order of magnitude as other proposed geoengineering techniques, including iron fertilization. International protocols have been developed to quantify carbon sequestration in seagrass meadows, with a view to awarding carbon credits under the Verified Carbon Standard. Unfortunately, because these protocols do not adequately account for post-depositional processes in marine sediment, they significantly overestimate carbon capture by seagrass beds and give an incorrect view of its distribution. Specifically, neglecting biomixing and remineralization of carbon in surface sediments biases burial rates high, while using sediment carbon inventory (soil carbon stock) over the top 1 m as a proxy for burial rate incorrectly identifies areas of high carbon burial. Seagrass beds likely provide a limited setting for geoengineering, because they generally comprise slowly-accumulating, fine to medium sand, which captures organic carbon less efficiently than fine-grained sediments or rapidly-accumulating delta deposits. While there is no question that seagrass meadows provide valuable habitat, nor that they are disappearing rapidly, their contribution to the global burial of carbon has not yet been established. The danger of geoengineering with seagrasses before reliable assessment methods have been established is that overestimated carbon offsets could lead to a net increase in emissions of carbon dioxide to the atmosphere.

  3. 77 FR 43561 - Proposed Eligibility Criteria for Bound Printed Matter Parcels

    Science.gov (United States)

    2012-07-25

    ... criterion for eligibility of Bound Printed Matter (BPM) parcels by adding a physical density threshold for....gov , with a subject line of ``New Eligibility for BPM Parcels.'' Faxed comments are not accepted. FOR.... SUPPLEMENTARY INFORMATION: BPM parcels is an economical ground-based product containing qualifying bound printed...

  4. 12 CFR 704.6 - Credit risk management.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...

  5. 26 CFR 1.41-8 - Alternative incremental credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative incremental credit. 1.41-8 Section 1... Credits Against Tax § 1.41-8 Alternative incremental credit. (a) Determination of credit. At the election of the taxpayer, the credit determined under section 41(a)(1) equals the amount determined under...

  6. 12 CFR 619.9155 - Federal land credit association.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land credit association. 619.9155 Section 619.9155 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9155 Federal land credit association. The term Federal land credit association refers to a Federal land bank...

  7. 12 CFR 619.9015 - Agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 619.9015 Section 619.9015 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9015 Agricultural credit associations. Agricultural credit associations are associations created by the merger of...

  8. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

  9. 12 CFR 619.9146 - Farm Credit institutions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit institutions. 619.9146 Section 619.9146 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9146 Farm Credit institutions. Except as otherwise defined, the term Farm Credit institutions refers to all institutions...

  10. 12 CFR 226.12 - Special credit card provisions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

  11. 24 CFR 954.300 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Eligible activities. 954.300... DEVELOPMENT INDIAN HOME PROGRAM Eligible Activities and Affordability § 954.300 Eligible activities. (a) Eligible activities—(1) General. HOME funds may be used by a grantee to provide incentives to develop and...

  12. 24 CFR 576.21 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 576.21 Section... Eligible Activities § 576.21 Eligible activities. (a) Eligible activities. Emergency shelter grant amounts may be used for one or more of the following activities relating to emergency shelter for the homeless...

  13. 44 CFR 78.4 - Applicant eligibility.

    Science.gov (United States)

    2010-10-01

    ... Assistance. (b) State agencies and communities are eligible to apply for Planning and Project Grants and to... eligible. To be eligible for Project Grants, an eligible applicant will develop, and have approved by the FEMA Regional Administrator , a Flood Mitigation Plan in accordance with § 78.5. ...

  14. 7 CFR 1160.114 - Eligible organization.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 9 2010-01-01 2009-01-01 true Eligible organization. 1160.114 Section 1160.114... Order Definitions § 1160.114 Eligible organization. Eligible organization means an organization eligible... organization pursuant to section 501(c) (3), (5), or (6) of the Internal Revenue Code (26 U.S.C. 501(c) (3), (5...

  15. 7 CFR 1260.114 - Eligible organization.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Eligible organization. 1260.114 Section 1260.114... Promotion and Research Order Definitions § 1260.114 Eligible organization. Eligible organization means any organization which has been certified by the Secretary pursuant to the Act and this part as being eligible to...

  16. 23 CFR 650.405 - Eligible projects.

    Science.gov (United States)

    2010-04-01

    ... 23 Highways 1 2010-04-01 2010-04-01 false Eligible projects. 650.405 Section 650.405 Highways..., STRUCTURES, AND HYDRAULICS Highway Bridge Replacement and Rehabilitation Program § 650.405 Eligible projects... rehabilitation. (b) Types of projects which are eligible. The following types of work are eligible for...

  17. Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises

    Directory of Open Access Journals (Sweden)

    Nguyen Anh Hoang

    2014-10-01

    Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.

  18. Modelling the predictive performance of credit scoring

    Directory of Open Access Journals (Sweden)

    Shi-Wei Shen

    2013-02-01

    Full Text Available Orientation: The article discussed the importance of rigour in credit risk assessment.Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan.Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities.Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems.Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk.Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product.Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

  19. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-08-01

    Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

  20. Acquired Credit Unions: Drivers of Takeover

    Directory of Open Access Journals (Sweden)

    R. Raymond Sant

    2015-08-01

    Full Text Available In this paper we study acquired credit unions and analyze their financial performance up to six years prior to merger, on a quarterly basis. The primary focus is on balance sheet (asset liability management and profitability variables (return on assets. We find that acquired credit unions during the period 2008 (third quarter to 2014 (first quarter experienced negative return on assets for several quarters prior to their takeover. This was the result of a declining loan portfolio and increasing charge offs. In spite of decreasing lending activity, such credit unions continued to increase their deposits, i.e., adding to their cost base. Due to declining loans, their net interest margin as a proportion of deposits was also in decline. We argue that this is an indicator of poor management ability. Furthermore, our analysis finds that operating expenses were increasing over time, something that has been documented in previous literature also for smaller credit unions and is attributable to lack of economies of scale. The average asset size of the acquired credit unions in our sample is about $22 million just before acquisition. We attribute our findings to poor business strategy followed by such credit unions. We also conclude that signs of trouble are evident up to two years before merger on average and regulatory policy may have to become more proactive to manage the consolidation challenge faced by the credit union industry in general.

  1. Credit Spreads Across the Business Cycle

    DEFF Research Database (Denmark)

    Nielsen, Mads Stenbo

    This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... that accounts for both business cycle and jump risk, and show by estimation that the model captures the counter-cyclical level and pro-cyclical slope of empirical credit spread curves. In addition, I provide a new procedure for estimation of idiosyncratic jump risk, which is consistent with observed shocks...

  2. Transitive Credit and JSON-LD

    Directory of Open Access Journals (Sweden)

    Daniel S. Katz

    2015-11-01

    Full Text Available Science and engineering research increasingly relies on activities that facilitate research but are not currently rewarded or recognized, such as: data sharing; developing common data resources, software and methodologies; and annotating data and publications. To promote and advance these activities, we must develop mechanisms for assigning credit, facilitate the appropriate attribution of research outcomes, devise incentives for activities that facilitate research, and allocate funds to maximize return on investment. In this article, we focus on addressing the issue of assigning credit for both direct and indirect contributions, specifically by using JSON-LD to implement a prototype transitive credit system.

  3. 12 CFR 704.3 - Corporate credit union capital.

    Science.gov (United States)

    2010-01-01

    ... management processes, due to credit, liquidity, market, fiduciary, operational, and similar types of risks... significant adverse impact upon a corporate credit union. (5) Operating management of the corporate credit...

  4. National Credit Regulator versus Dedbank Ltd and the practice of ...

    African Journals Online (AJOL)

    Keywords: National Credit Regulator; National Credit Act 34 of 2005; Magistrate's Court Act 32 of 1944; Magistrate's Court; Declaratory order; Judicial discretion; Jurisdiction; Service; In duplum rule; Emoluments; attachment order; Debt review; Debt counsellor; Consumer; Credit provider; Application procedure.

  5. Integration Of Company’s Financial Data In Credit Risk Assessment Using A Multidimensional Model

    Directory of Open Access Journals (Sweden)

    Maria – Monica Haralambie

    2015-12-01

    Full Text Available This paper is a detailed overview from theoretical and practical perspectives of a scoring system used by a financial institution in assessing the credit risk of a corporate client. The objective of this research was to demonstrate the importance of a scoring system for a credit institution when approving a loan application of a potential borrower. The complexity and importance of the topic makes it a subject of high interest for all type of credit institutions. We believe that through this work we were able to bring into discussion only a part of the specific issues related to credit risk management scoring systems and we believe that this work represents a support for future research

  6. Crediting analysis in Romanian after accession

    National Research Council Canada - National Science Library

    Anca Mitu; Constantin-Adrian Blanaru

    2015-01-01

      In a time full of financial convulsions with deep repercussions on the world wide economies, crediting is one of the easiest and serious options in finding alternative solutions for economic recovery...

  7. Securitization, Credit Rating and Issuers’ Characteristics

    Directory of Open Access Journals (Sweden)

    Mauricio Palmada Fernandes

    2014-01-01

    Full Text Available Given the growth of securitization through Credit Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios - FIDCs in Brazil in recent years, this work aims to investigate empirically the relationship between securitization and credit rating in the Brazilian market. All issues of FIDCs held by banks and registered in the CVM from 2005 to July 2010 were analyzed. The two hypotheses discussed by Gorton and Souleles (2005 were confirmed to Brazilian financial institutions. There is evidence of an implied contract between the transferor companies and investors in securitizations made via FIDCs. Companies with higher credit risk, worst ratings, tend to securitize more. However no relationship was found between securitization and asset value, amount of loans or capital ratio.

  8. 76 FR 10209 - Corporate Credit Unions

    Science.gov (United States)

    2011-02-24

    ... an infringement on the name of any corporation in its trade area. This responsibility also includes researching any service marks or trademarks used by any other corporation (including credit unions) in its...

  9. Managing Carbon Footprints under the Trade Credit

    Directory of Open Access Journals (Sweden)

    Xiaohong Chen

    2017-07-01

    Full Text Available We investigate how the retailer adjusts optimal ordering policy in the presence of cap-and-trade system and trade credit, and the corresponding changes of the retailer’s total costs and carbon footprint. Trade credit is one of the most used short-term financing tools. Our study shows that carbon emissions trading will shorten the ordering cycle for products that emit more carbon dioxide during the storage stage, and therefore reduce the buying behavior stimulation effect of trade credit on these products. Under the cap-and-trade system, the retailer’s total cost may increase or decrease, depending on the combination of carbon cap allocated to the retailer and the carbon price. Moreover, trade credit and the corresponding cost of capital affect the retailer’s carbon emission reduction strategy by changing the retailers’ consolidated cost during the ordering and inventory holding stages.

  10. Statistical methods in credit risk management

    Directory of Open Access Journals (Sweden)

    Ljiljanka Kvesić

    2012-12-01

    Full Text Available Successful banks base their operations on the principles of liquidity, profitability and safety. Therefore, the correct assessment of the ability of a loan applicant to carry out certain obligations is of crucial importance for the functioning of a bank. In the past few decades several credit scoring models have been developed to provide support to credit analysts in the assessment of a loan applicant. This paper presents three statistical methods that are used for this purpose in the area of credit risk management: logistical regression, discriminatory analysis and survival analysis. Their implementation in the banking sector was motivated to a great extent by the development and application of information and communication technologies. This paper aims to point out the most important theoretical aspects of these methods, but also to actualise the need for the development and application of the credit scoring model in Croatian banking practice.

  11. The Cost of Bank Credit Financing

    Directory of Open Access Journals (Sweden)

    Mihaela Cosmina Petre (Niţă,

    2007-10-01

    Full Text Available Although the credit is a conventional financing method used by any company, this tool is by far a very significant issue. The range ofcredits, that a bank provides, and the current policy customize this tool in order to meet the typical financing needs of the enterprises that demands it.Considering the risks, the bank takes the charge of by placing credits, the “eligibility” terms of enterprises that can get such financing being verystrict. Restrictions concerning the accepted degree of liability, the accomplished level of performance or available warranties may represent real“barriers” for many companies. Of all “barriers”, the high cost of some financing tools is a good case in point. In order to have a clearer picture ofwhat this financing source is for an enterprise, I have carried out a cost analysis of these financing tools, the medium and long term credit cost andthe short term credit cost.

  12. The public control of credit unions

    Directory of Open Access Journals (Sweden)

    Alberto García Müller

    2006-12-01

    Full Text Available Public control is the activity of investigation or review by the government takes over a company, to verify the conformity of its actions to law. This paper analyzes the control over credit unions.

  13. College Student Credit Card Usage and Debt.

    Science.gov (United States)

    Rybka, Kathryn M.

    2001-01-01

    Provides an overview of the concerns related to credit card usage by college students. Offers information student affairs professionals can use to help college students make responsible choices. (Contains 26 references.) (GCP)

  14. Prefrontal system dysfunction and credit card debt.

    Science.gov (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

    Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

  15. VT New Market Tax Credit - Hot Zones

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  16. VT New Market Tax Credit - Qualifying Tracts

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  17. VT New Market Tax Credit - Qualifying Counties

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  18. New Market Tax Credit Qualified Census Tract

    Data.gov (United States)

    Vermont Center for Geographic Information — The Community Development Financial Institutions (CDFI) Fund, a division of the US Department of the Treasury, administers the New Markets Tax Credit (NMTC). The...

  19. Bank Decapitalization and Credit Union Capitalization

    Directory of Open Access Journals (Sweden)

    Mark A. Klinedinst

    2016-02-01

    Full Text Available This article looks at the theory and empirical findings of excessive compensation on the recent financial implosion across institutional forms in banking. Compensation levels have gone up dramatically over the last 30 years as deregulation and concentration have grown. Some banks and quite a few credit unions avoided closure by prudent portfolio selection and keeping reserves up by maintaining compensation levels closer to the median level. Empirical findings here are based on a unique panel data set on U.S. commercial banks, thrifts, and credit unions from 1994 through 2010 (more than 300,000 observations that provide evidence that the firms with the highest net worth typically are smaller institutions, are credit unions, have smaller insider loans as a percentage of assets, and have lower average pay levels. The favorable results here for credit unions, financial cooperatives, should help guide policy when deciding which type of financial institutions should be encouraged.

  20. Household Credit and Saving: Does Policy Matter?

    OpenAIRE

    Peter Lawrence

    2002-01-01

    This paper surveys the existing literature on the determinants of household savings and credit in developing countries and examines the ways in which macro-level policies might impact on household financial behaviour.

  1. Human Capital in a Credit Cycle Model

    OpenAIRE

    Kubin, Ingrid; Zörner, Thomas

    2017-01-01

    We augment a model of endogenous credit cycles by Matsuyama et al.(2016) with human capital to study the impact of human capital on the stability of central economic aggregates. Thus we offer a linkage between human capital formation and credit market instability on a macrolevel combined with an analysis of functional income distribution. Human capital is modelled as pure external effect of production following a learning-by-producing approach. Agents have access to two different investment p...

  2. Credit Risk Management - Loan Approval Process

    OpenAIRE

    Lulzim Rashiti; Branimir Kalas; Lazar Drec; Nino Stameski

    2016-01-01

    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...

  3. POSSIBILITIES OF FOREIGN EXPERIENCE IN CREDITING OF AGRICULTURAL ENTERPRISES IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Mariana Nazar

    2016-11-01

    Full Text Available The purpose of this article is to analyze existing systems of agricultural enterprises crediting in developed countries, as well as identify opportunities for the application of international experience in economic practice of Ukraine. The subject of research is models of farms crediting in developed countries. The methodology of this study is based on the use of methods of theoretical generalization, comparison and systematic approach towards the development of proposals of the usage of foreign experience in Ukrainian reality. Results. Experience in developed countries strongly suggests that the development of agricultural sector is not possible without effective public policy. Efficient crediting system of farms should include cooperative, commercial, specialized banks etc. Proper infrastructure of crediting institutions should be established. However, there are no structured creditors in Ukrainian agricultural crediting system and commercial banks credit agricultural enterprises in efficiently. The system of agricultural sector crediting is over centralized as well as dependent on funds allocated by state budget. It is possible to solve this problem by creation of regional crediting unions of agricultural enterprises based on the European model. Practical meaning. Taking into consideration the experience of developed countries, it is obvious that in a growing economic crisis, with the emergence and increasing competition in the agricultural market in order to form national agricultural sector co-operative banks should be founded. Thus, so far, it is neglected. Actuality. The relevance of this study is to identify ways to improve state support of agricultural enterprises and further improvement of the legal framework related to the functioning of agricultural sector crediting system based on the experience of foreign countries.

  4. Micro Credit and Gender: A Critical Assessment

    Directory of Open Access Journals (Sweden)

    Özlem BALKIZ

    2015-12-01

    Full Text Available Micro credit programs, which are based on lending money on interest and encouraging savings, have been first been used in Southern countries and are now being implemented worldwide. Mainly aimed at the rural poor, particularly poor women, micro credit programs seek to ensure sustainable economic development in line with the requirements of global capitalism and to include women in the productive activities of the market. Micro credit has been made institutionalized based on three main paradigms, namely financial sustainability, poverty alleviation and women’s empowerment. In micro credit programs, where the emphasis on women’s empowerment is strong, the lack of a social gender perspective is striking. In fact, women may face patriarchal pressure and restrictions at the start in access to loans, loan usage models, participation to the productive activities in the market and during loan repayment. Thus the allegation that by way of micro credit, women will be empowered in terms of economic, social and political means in the family and society becomes questionable. This article, by problematizing women’s relationship with micro credit, will discuss social gender relationships which prevent them from making use of these programs as they wish and from achieving the results they intend

  5. Modelling the predictive performance of credit scoring

    Directory of Open Access Journals (Sweden)

    Shi-Wei Shen

    2013-07-01

    Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan. Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities. Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems. Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk. Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product. Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

  6. Credit Risk Prediction Using Fuzzy Immune Learning

    Directory of Open Access Journals (Sweden)

    Ehsan Kamalloo

    2014-01-01

    Full Text Available The use of credit has grown considerably in recent years. Banks and financial institutions confront credit risks to conduct their business. Good management of these risks is a key factor to increase profitability. Therefore, every bank needs to predict the credit risks of its customers. Credit risk prediction has been widely studied in the field of data mining as a classification problem. This paper proposes a new classifier using immune principles and fuzzy rules to predict quality factors of individuals in banks. The proposed model is combined with fuzzy pattern classification to extract accurate fuzzy if-then rules. In our proposed model, we have used immune memory to remember good B cells during the cloning process. We have designed two forms of memory: simple memory and k-layer memory. Two real world credit data sets in UCI machine learning repository are selected as experimental data to show the accuracy of the proposed classifier. We compare the performance of our immune-based learning system with results obtained by several well-known classifiers. Results indicate that the proposed immune-based classification system is accurate in detecting credit risks.

  7. Trade Credit Insurance and Asymmetric Information Problem

    Directory of Open Access Journals (Sweden)

    Sokolovska Olena

    2017-03-01

    Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.

  8. Mammography screening credit card and compliance.

    Science.gov (United States)

    Schapira, D V; Kumar, N B; Clark, R A; Yag, C

    1992-07-15

    Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

  9. Modeling Cycle Dependence in Credit Insurance

    Directory of Open Access Journals (Sweden)

    Anisa Caja

    2014-03-01

    Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

  10. A developing opportunity for wind : international and domestic carbon credit markets

    Energy Technology Data Exchange (ETDEWEB)

    Atcheson, A.E. [Miller Thomson LLP, London, ON (Canada)

    2008-07-01

    An emissions trading system is now being considered as a means of reducing greenhouse gas (GHG) emissions in Canada. The system is expected to allow for the most efficient use of resources in reducing carbon emissions, and has been developed as a result of international initiatives including the Kyoto Protocol. Federal initiatives will require specific and identifiable actions resulting in the net reduction of GHGs. An intensity-based cap and trade regime has been designed to allow for offset credit trading. It is expected that offset credits will have a duration of 8 years. Quantification processes will be used to measure offset effectiveness using a mandated measurement protocol. Alberta's offset requirements will include the establishment of ownership and compliance with regulations. The province will require that facilities with 100,000 tonnes of GHG emissions be required to reduce emissions intensities by 12 per cent. Offsets must also be Alberta-based. A verification process will ensure that planned projects have emission reductions that are eligible for credits in a particular credit regime. Verification must be completed by third parties registered with regulatory agencies. A certification process will be required to ensure that regulators conform to requirements and that credits can be traded within the regime. External assistance for developers may come from quantification protocol developers; verifiers; and aggregators. While aggregators may require offset providers with less than 10,000 tonnes per year of CO{sub 2} equivalent, they may also allow for higher prices for larger quantities based on lower transaction costs. It was concluded that the implementation of a carbon credit system is unlikely to ensure the creation of more wind farms in Canada. tabs., figs.

  11. 78 FR 4875 - Office of Small Credit Unions (OSCUI) Loan Program Access for Credit Unions

    Science.gov (United States)

    2013-01-23

    ... equipment, including branch facilities, ATMs, and electronic banking facilities; and (v) Operational... credit union's marketing strategy to reach members and the community; and include financial projections...

  12. Credit cues and impression management: a preliminary attempt to explain the credit card effect.

    Science.gov (United States)

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee

    2004-08-01

    Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

  13. Credit card spending limit and personal finance: system dynamics approach

    Directory of Open Access Journals (Sweden)

    Mirjana Pejić Bach

    2014-03-01

    Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

  14. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    Directory of Open Access Journals (Sweden)

    Syed Shah ALAM

    2014-12-01

    Full Text Available This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect credit card debts are credit card related knowledge, aggressive promotion by credit card industry and low minimum payment requirements. These findings also provide insights for both bank management and policy-makers to improve the bank performance in terms of credit card debts.

  15. A statewide assessment of preferences of registered nurses desiring academic credit-bearing continuing education.

    Science.gov (United States)

    Cannon, C A; Paulanka, B J; Bam, S

    1994-01-01

    As needs, mandates, and interests for continuing education (CE) in nursing increase, institutions of higher learning have growing opportunities and responsibilities to respond. Planning educational programs necessitates assessment of nurses' needs to deliver offerings responsive to topic, delivery method, and scheduling preferences. This nonrandomized statewide telephone survey of 535 registered nurses describes the preferences of the large subgroup (n = 359) of nurses who stated a desire for academic credit while participating in CE programs. Preferences were further examined in relation to the nurses' eligibility for undergraduate or master's level offerings. Results include a number of specific preferences with implications for educational institutions to increase their creativity and flexibility in developing credit CE offerings, and to become more responsive to the needs of nurses in practice. Findings suggest that partnerships between institutions of higher education and health care may better meet the continuing education needs of nurses.

  16. Expanding subjectivities

    DEFF Research Database (Denmark)

    Lundgaard Andersen, Linda; Soldz, Stephen

    2012-01-01

    A major theme in recent psychoanalytic thinking concerns the use of therapist subjectivity, especially “countertransference,” in understanding patients. This thinking converges with and expands developments in qualitative research regarding the use of researcher subjectivity as a tool to understa...

  17. 7 CFR 249.6 - Participant eligibility.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) FOOD AND NUTRITION SERVICE, DEPARTMENT OF AGRICULTURE CHILD NUTRITION PROGRAMS SENIOR FARMERS' MARKET NUTRITION PROGRAM (SFMNP) Participant Eligibility... congregate nutrition services are provided, as categorically eligible to receive SFMNP benefits. (2...

  18. 12 CFR 337.2 - Standby letters of credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Standby letters of credit. 337.2 Section 337.2... UNSAFE AND UNSOUND BANKING PRACTICES § 337.2 Standby letters of credit. (a) Definition. As used in this section, the term standby letter of credit means any letter of credit, or similar arrangement however...

  19. Dual Credit/Dual Enrollment and Data Driven Policy Implementation

    Science.gov (United States)

    Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug

    2014-01-01

    The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…

  20. 41 CFR 101-27.503 - Allowable credit.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Allowable credit. 101-27...-Return of GSA Stock Items § 101-27.503 Allowable credit. Allowable credit for activities returning... condition of the material received. (a) Credit will be granted at the rate of 80 percent of the current GSA...

  1. 26 CFR 1.50-1 - Restoration of credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Restoration of credit. 1.50-1 Section 1.50-1... Computing Credit for Investment in Certain Depreciable Property § 1.50-1 Restoration of credit. (a) In general. Section 49(a) (relating to termination of credit) does not apply to property— (1) The...

  2. Household‐level credit constraints in urban Ethiopia | Kedir ...

    African Journals Online (AJOL)

    There is a dearth of empirical evidence on the determinants of household credit constraints in Sub‐Saharan Africa. Most studies have disproportionally focused either on household credit constraints in rural areas or credit constraints facing firms. There are also a number analytical problems linked with identifying credit ...

  3. 12 CFR 611.505 - Farm Credit Administration review.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Administration review. 611.505 Section 611.505 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Transfer of Authorities § 611.505 Farm Credit Administration review. (a) Upon receipt of the board of directors resolution...

  4. To what extent does banks' credit stimulate economic growth ...

    African Journals Online (AJOL)

    This study examines the extent to which banks' credit affects economic growth in Nigeria. The data used was collected from the Central Bank of Nigeria statistical bulletin for a period of 24 years from 1990 to 2013. We used credit to the private sector, credit to the public sector and inflation to proxy commercial bank credit ...

  5. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

    In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

  6. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to the...

  7. 12 CFR 614.4000 - Farm Credit Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4000 Farm Credit Banks. (a) Long-term real estate lending. Except to the extent such...

  8. 12 CFR 702.307 - Incentives for new credit unions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Incentives for new credit unions. 702.307 Section 702.307 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PROMPT CORRECTIVE ACTION Alternative Prompt Corrective Action for New Credit Unions § 702.307 Incentives...

  9. 78 FR 940 - Sunshine Act Meetings; Farm Credit Administration Board

    Science.gov (United States)

    2013-01-07

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Sunshine Act Meetings; Farm Credit Administration Board AGENCY: Farm Credit Administration. SUMMARY: Notice... Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held at the...

  10. 78 FR 63380 - Farm Credit Administration Board Policy Statements

    Science.gov (United States)

    2013-10-24

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION 12 CFR Chapter VI Farm Credit Administration Board Policy Statements AGENCY: Farm Credit Administration. ACTION: Notice of policy statements and index. SUMMARY: The Farm Credit Administration (FCA), as...

  11. 78 FR 67362 - Farm Credit Administration Board Sunshine Act Meeting

    Science.gov (United States)

    2013-11-12

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  12. 78 FR 54893 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-09-06

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  13. 78 FR 9691 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-02-11

    ... From the Federal Register Online via the Government Publishing Office ] FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  14. 78 FR 73534 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-12-06

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  15. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer generating the emission credits for use in future model years...

  16. Resource Productivity And Economic Efficiency Of Farm Credit And ...

    African Journals Online (AJOL)

    Credit facilities should also be extended to the Non Farm Credit Users to enable them purchase improved planting materials and hire more farm hands. Extension agents should be made to carry out an enlightenment programme, to sensitize the non farm credit users on the importance of farm credit in agricultural ...

  17. 12 CFR 220.7 - Broker-dealer credit account.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Broker-dealer credit account. 220.7 Section 220... SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.7 Broker-dealer credit account. (a) Requirements. In a broker-dealer credit account, a creditor may effect or finance transactions in accordance...

  18. Derivatives and credit contagion in interconnected networks

    Science.gov (United States)

    Heise, S.; Kühn, R.

    2012-04-01

    The importance of adequately modeling credit risk has once again been highlighted in the recent financial crisis. Defaults tend to cluster around times of economic stress due to poor macro-economic conditions, but also by directly triggering each other through contagion. Although credit default swaps have radically altered the dynamics of contagion for more than a decade, models quantifying their impact on systemic risk are still missing. Here, we examine contagion through credit default swaps in a stylized economic network of corporates and financial institutions. We analyse such a system using a stochastic setting, which allows us to exploit limit theorems to exactly solve the contagion dynamics for the entire system. Our analysis shows that, by creating additional contagion channels, CDS can actually lead to greater instability of the entire network in times of economic stress. This is particularly pronounced when CDS are used by banks to expand their loan books (arguing that CDS would offload the additional risks from their balance sheets). Thus, even with complete hedging through CDS, a significant loan book expansion can lead to considerably enhanced probabilities for the occurrence of very large losses and very high default rates in the system. Our approach adds a new dimension to research on credit contagion, and could feed into a rational underpinning of an improved regulatory framework for credit derivatives.

  19. Overrated credit risk: three essays on credit risk in turbulent times

    NARCIS (Netherlands)

    Bongaerts, D.G.J.

    2010-01-01

    Credit markets have shown a dramatic development at the start of the 21st century. Increased regulatory pressure on financial institutions has spurred the development of innovative products that allow for transfer of credit risk. These developments lay at the base of the largest financial crisis

  20. Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2010-01-01

    We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not

  1. Trade credit supply, market power and the matching of trade credit terms

    NARCIS (Netherlands)

    Fabbri, D.; Klapper, L.F.

    2008-01-01

    This paper studies the decision of firms to extend trade credit to customers and its relation with their financing decisions. We use a novel firm-level database with unique information on market power in both output and input markets and on the amount, terms and payment history of trade credit

  2. Getting Ahead with Dual Credit: Dual-Credit Participation, Outcomes, and Opportunities in Idaho

    Science.gov (United States)

    Holten, Brandi; Pierson, Ashley

    2016-01-01

    This report provides a portrait of dual-credit participation rates and trends between the 2011-12 and 2014-15 school years. Dual-credit participation by demographic characteristics such as race/ethnicity, gender, and socioeconomic status is explored throughout each of the five briefs contained within this report. Each report brief also includes…

  3. The national credit act's remedies for reckless credit in the mortgage ...

    African Journals Online (AJOL)

    The National Credit Act 34 of 2005 prohibits the granting of reckless credit and also provides for certain remedies that courts can grant to consumers who have fallen victim to reckless lending practices. Depending on the circumstances, these remedies are the partial or full setting aside of the consumer's rights and ...

  4. Agricultural Nutrient Nonpoint Source Credits: A Comparison of State Crediting Procedures

    OpenAIRE

    Latane, Annah; Stephenson, Kurt

    2011-01-01

    This paper compares agricultural nonpoint source crediting procedures between the Pennsylvania and Virginia nutrient trading programs. Differences in farm-level credit production across states will be evaluated for agricultural operations, holding nutrient reduction technologies constant. The implications for the agricultural sector and water quality are discussed.

  5. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

    Science.gov (United States)

    Field, Kelly

    2009-01-01

    Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

  6. 75 FR 81378 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-12-28

    ... NCUA's neutrality in the final rule and has made this change. A commenter also suggested including this..., where the net worth ratio of the merging credit union exceeds the net worth ratio of the continuing... are entitled to the net worth of a merging credit union. The NCUA Board disagrees. As discussed in the...

  7. The Evaluation of Trade Credit Insurance in Lithuanian Business Market as a Credit Risk Management Tool

    Directory of Open Access Journals (Sweden)

    Lezgovko Aleksandra

    2017-06-01

    Full Text Available In today’s trade, the vast majority of commercial transactions in both domestic and international trade are concluded by applying trade credit terms. The aim of this article is to analyse the trade credit insurance and, according to the methodology, to evaluate it as a credit risk management tool in the context of Lithuanian business market. The authors have proposed a methodology that combines theoretical and practical research methods. First of all, with assistance of qualitative analysis, the alternative external credit risk management tools were examined. Such analysis allows not only to identify the advantages, disadvantages and benefits of researched risk management tools but also to assess the efficiency and rationality of trade credit insurance in the context of alternative methods. In order to carry out an assessment in the practical aspect, considering the lack of statistical data, it was decided additionally to perform an expert evaluation. After performing an assessment of trade credit insurance, it was concluded that in international trade, with a large buyer portfolio and high sales volume, the trade credit insurance becomes the most effective and rational way to manage credit risk, which eliminates the losses because of the debtor’s insolvency or bankruptcy, manages countries and sector’s risks and helps to discipline the debtor, what determines the decline in overdue accounts frequencies, amounts and volumes.

  8. Inventory and Credit Decisions under Day-Terms Credit Linked Demand and Allowance for Bad Debts

    Directory of Open Access Journals (Sweden)

    K. K. Aggarwal

    2014-01-01

    Full Text Available In order to stimulate demand of their product, firms generally give credit period to their customers. However, selling on credit exposes the firms to the additional dimension of bad debts expense (i.e., customer’s default. Moreover, credit period through its influence on demand becomes a determinant of inventory decisions and inventory sold on credit gets converted to accounts receivable indicating the interaction between the two. Since inventory and credit decisions are interrelated, inventory decisions must be determined jointly with credit decisions. Consequently, in this paper, a mathematical model is developed to determine inventory and credit decisions jointly. The demand rate is assumed to be a logistic function of credit period. The accounts receivable carrying cost along with an explicit consideration of bad debt expense which have been often ignored in previous models are incorporated in the present model. The discounted cash flow approach (DCF is used to develop the model and the objective is to maximize the present value of the firm’s net profit per unit time. Finally, numerical example and sensitivity analysis have been done to illustrate the effectiveness of the proposed model.

  9. Formal and informal credit in four provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel; Tarp, Finn

    2008-01-01

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption...... smoothening. The determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit are striking. A 'one size fits all' approach to credit policy in Vietnam would be inappropriate...

  10. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta

    2016-03-01

    Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

  11. 7 CFR 1720.5 - Eligibility criteria.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Eligibility criteria. 1720.5 Section 1720.5... Eligibility criteria. (a) To be eligible to participate in the program, a guaranteed lender must be: (1) A... criteria: (1) The guaranteed leader must furnish the Secretary with a certified list of the principal...

  12. 44 CFR 206.373 - Eligibility criteria.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Eligibility criteria. 206.373... Eligibility criteria. (a) Local government. (1) The local government must be located within the area eligible... government from incurring the indebtedness resulting from a Federal loan. (2) Criteria considered by FEMA in...

  13. 5 CFR 470.303 - Eligible parties.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Eligible parties. 470.303 Section 470.303 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PERSONNEL MANAGEMENT RESEARCH... Eligible parties. (a) Any Federal agency, or groups of two or more Federal agencies, eligible to propose...

  14. 24 CFR 570.482 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 570.482... Block Grant Program § 570.482 Eligible activities. (a) General. The choice of activities on which block... these interests. The eligible activities are listed at section 105(a) of the Act. (b) Special...

  15. 12 CFR 1805.301 - Eligible activities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Eligible activities. 1805.301 Section 1805.301... COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS PROGRAM Use of Funds/Eligible Activities § 1805.301 Eligible activities. Financial assistance provided under this part may be used by an Awardee to serve Investment Area...

  16. 24 CFR 4001.104 - Eligible mortgages.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Eligible mortgages. 4001.104 Section 4001.104 Housing and Urban Development Regulations Relating to Housing and Urban Development... Requirements and Underwriting Procedures § 4001.104 Eligible mortgages. A mortgage eligible to be refinanced...

  17. 24 CFR 257.104 - Eligible mortgages.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligible mortgages. 257.104 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM Eligibility Requirements and Underwriting Procedures § 257.104 Eligible mortgages. A...

  18. 44 CFR 204.42 - Eligible costs.

    Science.gov (United States)

    2010-10-01

    ... are providing services directly associated with eligible fire-related activities may be eligible. (2... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Eligible costs. 204.42 Section 204.42 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF...

  19. 24 CFR 990.125 - Eligible units.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Eligible units. 990.125 Section 990... Unit Months § 990.125 Eligible units. A PHA is eligible to receive operating subsidy for public housing units under an ACC for: (a) Occupied dwelling units as defined in § 990.140; (b) A dwelling unit with an...

  20. 7 CFR 1150.108 - Eligible organization.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 9 2010-01-01 2009-01-01 true Eligible organization. 1150.108 Section 1150.108 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (Marketing... Order Definitions § 1150.108 Eligible organization. Eligible organization means any organization which...

  1. 7 CFR 1250.313 - Eligible organization.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Eligible organization. 1250.313 Section 1250.313... Research and Promotion Order Definitions § 1250.313 Eligible organization. Eligible organization means any organization, association, or cooperative which represents egg producers of any egg producing area of the...

  2. 7 CFR 1220.109 - Eligible organization.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Eligible organization. 1220.109 Section 1220.109... CONSUMER INFORMATION Soybean Promotion and Research Order Definitions § 1220.109 Eligible organization. The term eligible organization means any organization which has been certified by the Secretary pursuant to...

  3. 38 CFR 21.3040 - Eligibility; child.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Eligibility; child. 21.3040 Section 21.3040 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED.... Chapter 35 Eligibility and Entitlement § 21.3040 Eligibility; child. (a) Commencement. A program of...

  4. Academic Requirements for Eligibility. Research Brief

    Science.gov (United States)

    Muir, Mike

    2005-01-01

    There is a lot written about eligibility requirements, but almost all of it is about NCAA first year eligibility requirements and their impact on high schools. Much less is written about high school eligibility requirements and their impact on student performance. Coaches, parents, and educators offer many reasons for there to be lax or no…

  5. 7 CFR 1434.5 - Eligible honey.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Eligible honey. 1434.5 Section 1434.5 Agriculture... FOR HONEY § 1434.5 Eligible honey. To be eligible for a loan, the honey must: (a) Have been produced... merchantable quality deemed by CCC to be suitable for loan; that is, the honey: (1) Is not adulterated; (2) Has...

  6. 23 CFR 810.302 - Eligible projects.

    Science.gov (United States)

    2010-04-01

    ... 23 Highways 1 2010-04-01 2010-04-01 false Eligible projects. 810.302 Section 810.302 Highways... SPECIAL USE HIGHWAY PROJECTS Federal-Aid Urban System Nonhighway Public Mass Transit Projects § 810.302 Eligible projects. (a) Eligible projects are those defined as nonhighway public mass transit projects in...

  7. 7 CFR 1709.109 - Eligible projects.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Eligible projects. 1709.109 Section 1709.109... projects. Eligible projects are those that acquire, construct, extend, repair, upgrade or otherwise improve... are eligible. Projects providing or improving service to communities with extremely high energy costs...

  8. 7 CFR 1739.11 - Eligible project.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Eligible project. 1739.11 Section 1739.11 Agriculture... BROADBAND GRANT PROGRAM Community Connect Grant Program § 1739.11 Eligible project. To be eligible for a grant, the Project must: (a) Serve a Rural Area where Broadband Transmission Service does not currently...

  9. 50 CFR 91.4 - Eligible species.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Eligible species. 91.4 Section 91.4... species. Five or fewer of the species listed below will be identified as eligible each year; those eligible species will be provided to each contestant with the information provided in § 91.1. (a) Whistling...

  10. 7 CFR 623.4 - Eligible land.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Eligible land. 623.4 Section 623.4 Agriculture... AGRICULTURE WATER RESOURCES EMERGENCY WETLANDS RESERVE PROGRAM § 623.4 Eligible land. (a) Except as otherwise provided in this section, land is eligible for enrollment in the EWRP only if NRCS determines that the land...

  11. 10 CFR 452.4 - Eligibility requirements.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 3 2010-01-01 2010-01-01 false Eligibility requirements. 452.4 Section 452.4 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION PRODUCTION INCENTIVES FOR CELLULOSIC BIOFUELS § 452.4 Eligibility... construction of the eligible cellulosic biofuels production facility such that operations at the plant or plant...

  12. Important and Critical Issues of Complying Presentation Based Upon Letter of Credit (L/C Payment

    Directory of Open Access Journals (Sweden)

    Ömer Özkan

    2016-12-01

    Full Text Available In this study, there is suggested proposals and determined about such a way must be followed in complying presentation in accordance with letter of credit payment and the faults of exporting companies specific to Turkey in this issue. Beneficiary needs to provide complying presentation after preparing the papers appropriately at first letter of credit terms, rules of UCP 600 and ISBP 745 for applicant bank and if available confirming bank’s pay obligation could continue against beneficiary company in letter of credit payment. Since provided complying presentation ability requires a certain level of experience and expertness; it is observed about exporter companies in Turkey localized, receive export prices late and pay extra charges/commissions, could not benefit from pay obligation guarantee of applicant bank and if available confirming bank because of their generally discrepant document, facing contradiction in terms on this complying document preparing. Moreover, a various letter of credit condition which are disadvantages of exporters and could be caused financial losses are discussed and includes advices in this study. Based upon the findings, there is determined about most important reason of the companies could not provide complying presentation is preparing certain documents within letter of credit conditions incorrect, and it is shown how to prepare the subjected documents appropriately to letter of credit payment as considering their main and critical properties.

  13. Credit-Related Practices of Islamic Banks in Comparison with Theory: Case Study of Turkey

    Directory of Open Access Journals (Sweden)

    Z. Hafsa ORHAN ASTRÖM

    2016-11-01

    Full Text Available Abstract The aim of this paper is to analyse credit-related practices of Islamic banks in Turkey in comparison with theory. Here, ‘credit-related practices’ are, first, the bank balance sheet item called ‘loans’ in general, and second, loans in terms of their types. By ‘theory’ we mean Islamic economics. In attaining the aim of this paper, we use comparative methodology depending on quantitative and qualitative research. In this context, we utilize quantitative methods like collecting calculating and representing -through figures and charts- relevant data, and qualitative methods such as searching through, selecting, summarizing and evaluating relevant literature and documents like agreements and reports concerning the subject. Some of the outstanding results of this paper are as follows; loans are the dominant use of funds for Turkish Islamic banks with changing ratios between 60-75% for the period of December 2005-June 2015 and the main method used for loans is murabahah with 99.7% as of June 2015. Secondly, 91% of household loans are in the form of consumer credits as of June 2015, among which house loans are sweepingly dominant. Credits by individual credit cards have been on the increase until the second half of 2013. Keywords: Islamic banking, credit-related practices, theory, Turkey.

  14. 20 CFR 638.300 - Eligibility for funds and eligible deliverers.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Eligibility for funds and eligible deliverers. 638.300 Section 638.300 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF..., and Facilities Management § 638.300 Eligibility for funds and eligible deliverers. (a) Funds shall be...

  15. Classification of debtor credit status and determination amount of credit risk by using linier discriminant function

    Science.gov (United States)

    Aidi, Muhammad Nur; Sari, Resty Indah

    2012-05-01

    A decision of credit that given by bank or another creditur must have a risk and it called credit risk. Credit risk is an investor's risk of loss arising from a borrower who does not make payments as promised. The substantial of credit risk can lead to losses for the banks and the debtor. To minimize this problem need a further study to identify a potential new customer before the decision given. Identification of debtor can using various approaches analysis, one of them is by using discriminant analysis. Discriminant analysis in this study are used to classify whether belonging to the debtor's good credit or bad credit. The result of this study are two discriminant functions that can identify new debtor. Before step built the discriminant function, selection of explanatory variables should be done. Purpose of selection independent variable is to choose the variable that can discriminate the group maximally. Selection variables in this study using different test, for categoric variable selection of variable using proportion chi-square test, and stepwise discriminant for numeric variable. The result of this study are two discriminant functions that can identify new debtor. The selected variables that can discriminating two groups of debtor maximally are status of existing checking account, credit history, credit amount, installment rate in percentage of disposable income, sex, age in year, other installment plans, and number of people being liable to provide maintenance. This classification produce a classification accuracy rate is good enough, that is equal to 74,70%. Debtor classification using discriminant analysis has risk level that is small enough, and it ranged beetwen 14,992% and 17,608%. Based on that credit risk rate, using discriminant analysis on the classification of credit status can be used effectively.

  16. Ombud’s Corner: due credit!

    CERN Multimedia

    Sudeshna Datta-Cockerill

    2016-01-01

    Patents, copyrights, trademarks… there are many ways to protect intellectual property and yet, despite these precautionary measures, it seems that colleagues sometimes still slip up: plots done by one person are used in another’s presentation without being appropriately credited, citations are wrongly assigned, references are inaccurate…   Plagiarism and misappropriation do not only happen in the worlds of art, music and literature. Often in our world, during the preparation phase of a scientific paper or even just in their daily work, scientists are required to share the work of many contributors and sometimes they do not keep track of who did what. No-one minds as long as this stays within the limits of teamwork, in which credits are distributed evenly and nobody’s contribution gets forgotten. Problems arise however, when one person’s work ends up being presented by another without the correct credit, or indeed when someone is held back from p...

  17. Rare disasters, credit, and option market puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2017-01-01

    spreads. The model also matches high-yield and collaterized debt obligation tranche spreads, equity market moments, and index option skewness. Finally, our model implies a time-varying relationship between bond and option prices that depends on the state of the economy and that explains the conflicting......We embed systematic default, procyclical recovery rates, and external habit persistence into a model with a slight possibility of a macroeconomic disaster of reasonable magnitude. We derive analytical solutions for defaultable bond prices and show that a single set of structural parameters...... calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

  18. Credit Institutions Management Evaluation using Quantitative Methods

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2006-02-01

    Full Text Available Credit institutions supervising mission by state authorities is mostly assimilated with systemic risk prevention. In present, the mission is orientated on analyzing the risk profile of the credit institutions, the mechanism and existing systems as management tools providing to bank rules the proper instruments to avoid and control specific bank risks. Rating systems are sophisticated measurement instruments which are capable to assure the above objectives, such as success in banking risk management. The management quality is one of the most important elements from the set of variables used in the quoting process in credit operations. Evaluation of this quality is – generally speaking – fundamented on quantitative appreciations which can induce subjectivism and heterogeneity in quotation. The problem can be solved by using, complementary, quantitative technics such us DEA (Data Envelopment Analysis.

  19. Credit Institutions Management Evaluation using Quantitative Methods

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2006-04-01

    Full Text Available Credit institutions supervising mission by state authorities is mostly assimilated with systemic risk prevention. In present, the mission is orientated on analyzing the risk profile of the credit institutions, the mechanism and existing systems as management tools providing to bank rules the proper instruments to avoid and control specific bank risks. Rating systems are sophisticated measurement instruments which are capable to assure the above objectives, such as success in banking risk management. The management quality is one of the most important elements from the set of variables used in the quoting process in credit operations. Evaluation of this quality is – generally speaking – fundamented on quantitative appreciations which can induce subjectivism and heterogeneity in quotation. The problem can be solved by using, complementary, quantitative technics such us DEA (Data Envelopment Analysis.

  20. Estimation of transition probabilities of credit ratings

    Science.gov (United States)

    Peng, Gan Chew; Hin, Pooi Ah

    2015-12-01

    The present research is based on the quarterly credit ratings of ten companies over 15 years taken from the database of the Taiwan Economic Journal. The components in the vector mi (mi1, mi2,⋯, mi10) may first be used to denote the credit ratings of the ten companies in the i-th quarter. The vector mi+1 in the next quarter is modelled to be dependent on the vector mi via a conditional distribution which is derived from a 20-dimensional power-normal mixture distribution. The transition probability Pkl (i ,j ) for getting mi+1,j = l given that mi, j = k is then computed from the conditional distribution. It is found that the variation of the transition probability Pkl (i ,j ) as i varies is able to give indication for the possible transition of the credit rating of the j-th company in the near future.

  1. LEGAL ASPECTS OF THE REGULATORY FRAMEWORK FOR CREDIT RATING AGENCIES

    OpenAIRE

    Oana Mihaela MARIOARA (ORHEIAN); Ioana Gabriela GRIGORESCU

    2014-01-01

    This article makes an analysis of the main regulations used by the credit rating agencies on the financial market. The article describes the main specific legislation on credit rating agencies existing on the market. Credit rating agencies are issuing independent opinions on the reliability of an entity, of a debt, of financial obligations, or of a certain financial instrument. The credit ratings issued by the credit rating agencies established in the European Union are analysed by investo...

  2. Correlates of credit card ownership in men and women.

    Science.gov (United States)

    Yang, Bijou; Lester, David

    2005-06-01

    In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

  3. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal...

  4. A Random Matrix Approach to Credit Risk

    Science.gov (United States)

    Guhr, Thomas

    2014-01-01

    We estimate generic statistical properties of a structural credit risk model by considering an ensemble of correlation matrices. This ensemble is set up by Random Matrix Theory. We demonstrate analytically that the presence of correlations severely limits the effect of diversification in a credit portfolio if the correlations are not identically zero. The existence of correlations alters the tails of the loss distribution considerably, even if their average is zero. Under the assumption of randomly fluctuating correlations, a lower bound for the estimation of the loss distribution is provided. PMID:24853864

  5. CAUTIOUS PRACTICE IN ACCOUNTANCY CREDIT UNITS

    Directory of Open Access Journals (Sweden)

    Riana Iren RADU

    2006-01-01

    Full Text Available The constitution of the specific risk prevision refers to their creation and is realized including in the cost the sum representing the level of the necessary specific risk provisions, in case there is no provision. The constitutions, regulation and the utilization of specific risk provisions will be realized using the credit currency and/or the investments they correct. Specific risk provisions are to be determined only for the client’s balance sheet engagements. The calculation for the necessary volume of provisions is realized for each and every credit contract referring to the final client classification category.

  6. A random matrix approach to credit risk.

    Directory of Open Access Journals (Sweden)

    Michael C Münnix

    Full Text Available We estimate generic statistical properties of a structural credit risk model by considering an ensemble of correlation matrices. This ensemble is set up by Random Matrix Theory. We demonstrate analytically that the presence of correlations severely limits the effect of diversification in a credit portfolio if the correlations are not identically zero. The existence of correlations alters the tails of the loss distribution considerably, even if their average is zero. Under the assumption of randomly fluctuating correlations, a lower bound for the estimation of the loss distribution is provided.

  7. 76 FR 42038 - Determining the Amount of Taxes Paid for Purposes of the Foreign Tax Credit

    Science.gov (United States)

    2011-07-18

    ... exception to fact patterns involving multiple counterparties or multiple U.S. parties. In response to the... net basis taxation and excludes assets that produce income subject to gross basis withholding tax. One... the otherwise creditable foreign payment, irrespective of whether the arrangement involves multiple U...

  8. Continuing professional development crediting system for specialists in laboratory medicine within 28 EFLM national societies.

    Science.gov (United States)

    Topic, Elizabeta; Beletic, Andjelo; Zima, Tomas

    2013-01-01

    Continuing professional development (CPD) with corresponding crediting system is recognized as essential for the laboratory medicine specialists to provide optimal service for the patients. Article presents results of the survey evaluating current CPD crediting practice among members of European Federation of Clinical Chemistry and Laboratory Medicine (EFLM). A questionnaire had been forwarded to presidents/national representatives of all EFLM members, with invitation to provide information about CPD programmes and crediting policies, as well as feedback on individual CPD categories, through scoring their relevance. Complete or partial answers were received from 28 of 38 members. In 23 countries, CPD programmes exist and earn credits, with 19 of them offering access to non-medical scientists. CPD activities are evaluated in all participating countries, regardless to the existence of an official CPD programme. Among participating members with mandatory specialists' licensing (22/28), CPD is a prerequisite for relicensing in 13 countries. Main categories recognized as CPD are: continuing education (24 countries), article/book (17/14 countries) authorship and distance learning (14 countries). The highest median score of relevance (20) is allocated to professional training, editor/authorship and official activities in professional organizations, with the first category showing the least variation among scores. Majority of EFLM members have developed CPD programmes, regularly evaluated and accompanied by crediting systems. Programmes differ in accessibility for non-medical scientists and impact on relicensing eligibility. Continuing education, authorship and e-learning are mainly recognized as CPD activities, although the professional training is appreciated as the most important individual CPD category.

  9. ACCESS TO MICRO CREDIT AND ECONOMIC EMPOWERMENT ...

    African Journals Online (AJOL)

    Prof

    as eradication of all forms of gender discrimination as a sustainable approach to socio-economic empowerment of women in Yenagoa,. Bayelsa State. Keywords: Micro credit, Accessibility, Economic empowerment, Gender discrimination, Market women, Nigeria. Introduction. Until recently, national planning and associated ...

  10. Annual Credit and Financing Report, 1970.

    Science.gov (United States)

    Bureau of Indian Affairs (Dept. of Interior), Washington, DC.

    The 1970 Annual Credit and Financing Report of the Bureau of Indian Affairs describes the financing available for economic advancement of American Indians. Specific programs and their results are cited in such areas as housing, small business, agriculture, and education. The appendix contains 41 tables which include information such as loans made,…

  11. Online Dual Credit Mathematics for Rural Schools

    Science.gov (United States)

    Harris, Roy Joe; Stovall, Sarah T.

    2013-01-01

    Students from small rural schools (class 1A, 2A, and 3A) historically have not had access to dual credit courses for several reasons including distance from a college campus, affordability, and district teaching strength. In an effort to address these problems and to begin the college experience sooner, a new program was developed by the…

  12. 76 FR 54991 - Corporate Credit Unions

    Science.gov (United States)

    2011-09-06

    ... Facility (CLF) stock subscriptions, clarify certain requirements regarding investment action plans, clarify... definition to also exclude CLF stock subscriptions. The Board believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is putable at par. Further, the Board...

  13. Wind Capacity Credit in the United States

    Energy Technology Data Exchange (ETDEWEB)

    Milligan, M.; Porter, K.

    2008-01-01

    The objective of this paper is to provide an analysis and comparison of recent studies on the capacity credit of wind in the United States. We offer suggestions and recommendations for future studies, based on the recent work. We examine key wind capacity studies in the United States, emphasizing those done in the past three years.

  14. Trade credit, collateral liquidation and borrowing constraints

    NARCIS (Netherlands)

    Fabbri, D.; Menichini, A.M.C.

    2009-01-01

    The paper proposes a model of collateralized bank and trade credit. Firms use a two-input technology. Assuming that the supplier is better able to extract value from existing assets and has an information advantage over other creditors, the paper derives a series of predictions. (1) Financially

  15. Credit assignment during movement reinforcement learning.

    Science.gov (United States)

    Dam, Gregory; Kording, Konrad; Wei, Kunlin

    2013-01-01

    We often need to learn how to move based on a single performance measure that reflects the overall success of our movements. However, movements have many properties, such as their trajectories, speeds and timing of end-points, thus the brain needs to decide which properties of movements should be improved; it needs to solve the credit assignment problem. Currently, little is known about how humans solve credit assignment problems in the context of reinforcement learning. Here we tested how human participants solve such problems during a trajectory-learning task. Without an explicitly-defined target movement, participants made hand reaches and received monetary rewards as feedback on a trial-by-trial basis. The curvature and direction of the attempted reach trajectories determined the monetary rewards received in a manner that can be manipulated experimentally. Based on the history of action-reward pairs, participants quickly solved the credit assignment problem and learned the implicit payoff function. A Bayesian credit-assignment model with built-in forgetting accurately predicts their trial-by-trial learning.

  16. Credit Documentation and the Mark 15 Subroutine

    Energy Technology Data Exchange (ETDEWEB)

    McAllister, J.E.

    2001-08-16

    This report documents the rewrite of the heat transfer subroutine. Part of the process of preparing the Mark 15 assembly for production operation is the development of thermal-hydraulic limits for the assembly. These limits require, among other items, the development of a Mark 15 assembly subroutine for the CREDIT code.

  17. 75 FR 64785 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-20

    ... standards over Basel II, stating that Basel I was adequate and less complex. The Board agrees with these... standards contained in this rulemaking are different than the Basel II advanced standards that very large... From the Federal Register Online via the Government Publishing Office ] Part II National Credit...

  18. The investment tax credit under monopolistic competition

    NARCIS (Netherlands)

    Broer, DP; Heijdra, BJ

    This pager develops a dynamic model of monopolistic competition with finite lives. It investigates the welfare properties of an investment tax credit (ITC) for both finite and infinite lives. For infinite lives, it shows that, lacking lump-sum taxes, an ITC suffices to attain a second-best solution.

  19. 76 FR 41590 - Equal Credit Opportunity

    Science.gov (United States)

    2011-07-15

    ... in the event that a consumer reporting agency does not provide the key factors with the score. Under... particular creditor, as opposed to those developed by consumer reporting agencies or by a scoring company for... the Fair Credit Reporting Act (FCRA) also requires a person to provide a notice when the person takes...

  20. 76 FR 34010 - Credit Risk Retention

    Science.gov (United States)

    2011-06-10

    ...) 402-5216 (this is not a toll-free number). Persons with hearing or speech impairments may access this... of asset-backed securities (``ABS'') to retain an economic interest of no less than five percent in the credit risk of the assets collateralizing the ABS. Section 15G includes a variety of exemptions...

  1. The determinants of trade credit use

    NARCIS (Netherlands)

    Hermes, Niels; Kihanga, Ernest; Lensink, Robert; Lutz, Clemens

    2015-01-01

    Most small businesses in the developing economies suffer from a lack of access to formal external finance. One important alternative source of finance for these entrepreneurs is trade credit. Applying a unique data-set containing data on specific trade relations between rice wholesalers and rice

  2. Sovereign Credit Risk, Liquidity, and ECB Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    be ascribed mainly to changes in margins and collateral. Moreover, we show that the long-term refinancing operations (LTRO) intervention by the ECB weakened the sensitivity of the liquidity provision by the market makers to changes in the Italian government's credit risk, by providing them with vastly...

  3. Understanding Credit Risk: A Classroom Experiment

    Science.gov (United States)

    Servatka, Maros; Theocharides, George

    2011-01-01

    This classroom experiment introduces students to the notion of credit risk and expected return, by allowing them to trade on comparable corporate bond issues from two types of markets: investment-grade and high-yield markets. Investment-grade issues have a lower probability of default than high-yield issues and thus provide a lower yield.…

  4. 75 FR 80866 - Credit Rating Standardization Study

    Science.gov (United States)

    2010-12-23

    ... stress; and standardizing credit rating terminology across asset classes, so that named ratings... Comments Use the Commission's Internet comment form ( http://www.sec.gov/rules/other.shtml ); or Send an e... the Commission's Internet Web site ( http://www.sec.gov ). Comments are also available for Web site...

  5. 78 FR 72537 - Credit Union Service Organizations

    Science.gov (United States)

    2013-12-03

    ... disadvantage to their non-CUSO competitors. Commenters also expressed concern that certain requirements under... technology (IT), and custody, safekeeping, and investment management services for credit unions. C. What are... 4--A student lending CUSO sold participations of purchased student loans to six FICUs. Related loan...

  6. Trading biomass or GHG emission credits?

    NARCIS (Netherlands)

    Laurijssen, J|info:eu-repo/dai/nl/304840629; Faaij, A.P.C.|info:eu-repo/dai/nl/10685903X

    2009-01-01

    Global biomass potentials are considerable but unequally distributed over the world. Countries with Kyoto targets could import biomass to substitute for fossil fuels or invest in bio-energy projects in the country of biomass origin and buy the credits (Clean Development Mechanism (CDM) and Joint

  7. Competition in the Dutch consumer credit market

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda

    2002-01-01

    This paper considers the degree of competitiveness of the Dutch consumer credit market. We use the well-known Bresnahan-Lau method that estimates a structural model consisting of a demand relation and a supply relation, based on aggregate data. The level of competition is derived from the estimated

  8. Competition in the Dutch consumer credit market

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda

    2001-01-01

    This paper considers the degree of competitiveness of the Dutch consumer credit market. We use the well-known I Bresnahan-Lau method that estimates it structural model consisting of a demand relation and a supply relation, based on aggregate data. The level of compelition is derived from the

  9. The simulation system of credit portfolio evaluation

    Directory of Open Access Journals (Sweden)

    G. Magariu

    1999-02-01

    Full Text Available A simulation system of evaluation of a portfolio of credits is presented. The system answers user's question from the list of possible questions. Design, execution and analysis of results of experiments needed for the answer are controlled by user question. Input and output data may be precise as well as probabilistic.

  10. 75 FR 49510 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-08-13

    ...'s mortgagee approval regulations at 24 CFR 202.3. On May 17, 1999 HUD published a notice (64 FR... of FHA lenders on Credit Watch status (an evaluation period). In the May 17, 1999 notice, HUD advised... Santa Ana Field Drive, Diamond Bar, CA 91765. First Ohio Banc and Lending, 6100 Rockside Richmond 4/30...

  11. 75 FR 17944 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-04-08

    ...'s mortgagee approval regulations at 24 CFR 202.3. On May 17, 1999 HUD published a notice (64 FR... of FHA lenders on Credit Watch status (an evaluation period). In the May 17, 1999 notice, HUD advised... Ana 11/4/2009 Santa Ana. Field Drive, Diamond Bar, CA 91765. Freedom Plus Mortgage 43053 Margarita...

  12. SME Credit Financing, Financial Development and Economic ...

    African Journals Online (AJOL)

    This paper examines the impact of small and medium-scale enterprises (SMEs) credit financing and financial market development and their shocks on the output growth of Nigeria. The study estimated a VAR model for Nigeria using 1970-2013 annual data series. Unit root tests and cointegration are carried out. The study ...

  13. Optimizing the collections process in consumer credit

    OpenAIRE

    De Almeida Filho, Adiel T.; Mues, Christophe; Lyn C Thomas

    2009-01-01

    This paper builds a dynamic programming model to optimize the collections process in consumer credit. It determines which collections actions should be undertaken and how long they should be performed. Theoretical results about the form of the optimal policy under certain conditions are obtained. Finally a case study is described based on data from the collection department of a European bank

  14. An Analysis of the Credit Collection Occupation.

    Science.gov (United States)

    Wyatt, Tom; Ulrich, Larry

    The general purpose of the occupational analysis is to provide workable, basic information dealing with the many and varied duties performed in the credit collection occupation. The document opens with a brief introduction followed by a job description. The bulk of the document is presented in table form. Three duties are broken down into a number…

  15. Financial sustainability in savings and credit programmes.

    Science.gov (United States)

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action

  16. SUBJECT INDEX

    Indian Academy of Sciences (India)

    Subject Index. Variation of surface electric field during geomagnetic disturbed period at Maitri, Antarctica. 1721. Geomorphology. A simple depression-filling method for raster and irregular elevation datasets. 1653. Decision Support System integrated with Geographic. Information System to target restoration actions in water-.

  17. CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    V. E. Gladkova

    2011-01-01

    Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

  18. Formal and Informal Rural Credit in Four Provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used...... for consumption smoothening. Interest rates fell from 1997 to 2002, reflecting increased market integration. Moreover, the determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit...

  19. Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period

    Directory of Open Access Journals (Sweden)

    Aggarawal K.K.

    2016-01-01

    Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.

  20. Consumer credit as an economic good, and modern trends in the banking consumer credit in Russia

    Directory of Open Access Journals (Sweden)

    Afanasev Kirill Sergeevich

    2013-06-01

    Full Text Available In this article, consumer credit is seen as an economic good, it analyzes the classification features, as well as presents current trends of development of bank consumer lending in Russia.

  1. Credit for what? Informal credit as a coping strategy of market women in Northern Ghana

    OpenAIRE

    Schindler, Kati

    2007-01-01

    This paper analyzes the use of informal credit as a coping strategy against risk by market women in the city of Tamale, Ghana. Using qualitative research techniques, the analysis reveals that intra-household structure and allocation decisions determine these market-based coping strategies. Market women invest a considerable amount of working hours in maintaining complex credit networks as a safeguard against extreme risks. As a policy implication, this research suggests to provide market wome...

  2. CREDIT AND ECONOMIC DEVELOPMENT: STRUCTURAL DIFFERENCES AMONG THE ITALIAN REGIONS

    Directory of Open Access Journals (Sweden)

    colantonio emiliano

    2014-07-01

    Full Text Available The international economic crisis of 2007 has had long-lasting negative effects on the financial markets and the real economy of many countries. The occurred uncertainty and the complications of the balance sheets of many banks, due to the strong international connections, particularly impacted on the ability and willingness of financial market, on granting credit to consumer households and companies. Credit, and the financial system in general, represent according to the economic literature, one of the determinants of economic development and, particularly, its efficiency determines the speed of growth and the potential level. The difficulties in the transmission of monetary policy and the structural inefficiency have worsened the negative effects of the economic crisis in many European countries, including Italy, where large differences in the socio-economic context of the various macro-areas still persist. The role of banks is to exploit tools and knowledge to the best addressing of funds, by subjects in excess to those in deficit, or towards who may exploit them for productive purposes. In addition, banks are locally a guidance to entrepreneurs and an entity aware of the local needs and potentials. In this paper we combine several variables on the credit and the quality of banking contracts, in addition to real economic and R&D variables, with reference to the Italian regions. The aim is to identify structural differences among the Italian regions in terms of financial and economic development, and in addition to observe the discrepancy between the various macro areas, even considering the effects of the international financial crisis broken out in the U.S. in 2007. We consider data over sufficiently long periods before and after the advent of the crisis and the long subsequent period of economic recession. The detail of the analysis is regional, in order to have a sufficient number of contexts that are grouped into homogeneous groups

  3. Effects of Credit on Economic Growth, Unemployment and Poverty

    Directory of Open Access Journals (Sweden)

    Mangasa Augustinus Sipahutar

    2016-06-01

                  Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty.  To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth.  We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty.  This paper revealed bi-direction causality between banks credit and economic growth.  Banks credit promotes economic growth and economic growth affects credit depth and financial development.  Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth.  Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty.  This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare.   Keywords :  banks credit, economic growth, growth accelerating factor, poverty, unemployment   JEL Classification : E51, E52, E58

  4. Carbon credit supply potential beyond 2012. A bottom-up assessment of mitigation options

    Energy Technology Data Exchange (ETDEWEB)

    Bakker, S.J.A.; Bole, T. [ECN Policy Studies, Petten (Netherlands); Arvanitakis, A.G. [PointCarbon, Oslo (Norway); Van de Brug, E.; Doets, C.E.M.; Gilbert, A. [Ecofys, Utrecht (Netherlands)

    2007-11-15

    In the context of climate change mitigation commitments and post-2012 negotiations questions have arisen around the potential and dynamics of the carbon market beyond 2012. This study focuses on gaining insight in the supply side of carbon credits after 2012 by studying potential and costs of greenhouse gas reduction options in the Clean Development Mechanism (CDM) and other flexible mechanisms. An elaborate analysis of future demand for credits is outside the scope of this report. It is concluded that the potential for greenhouse gas reduction options in non-Annex I countries in 2020 is likely to be large. This study has also made clear that the extent to which this potential can be harnessed by the CDM strongly depends on future eligibility decisions, notably for avoided deforestation, the application of the additionality criterion, and to a lesser extent the success of programmatic CDM and the adoption rate of technologies. Compared to this market potential, demand for carbon credits could be in the same order of magnitude, depending on the post-2012 negotiations and domestic reductions in countries with commitments. In addition to CDM, Joint Implementation projects in Russia and Ukraine and banked and new Assigned Amount Units may play a significant role in post-2012 carbon markets.

  5. CURRENT TRENDS IN THE APPROACH OF THE CREDIT RELATIONSHIPS BETWEEN BANKS AND COMPANIES

    Directory of Open Access Journals (Sweden)

    VORONEANU Bogdan Constantin

    2013-06-01

    Full Text Available The relationship between bank (as lender - company (as debtor observed as an ensemble of processes and information flows, has always been a favourite subject of study and analysis of both economics and specialty practice, emphasizing a constant concern for improvement considering its importance for the quality of economic and social life of a nation. The management of the lending activity at the banks level has many common features at the company level. In both types of organizations is required the implementation of a decision-making system to guide about the following aspects: the maximum amount of credit that may be granted, the type of credit and the maximum amount which should be granted considering the credit risk.

  6. POSSIBILITIES OF IMPROVING THE METHODS AND TECHNIQUES USED IN THE SURVEILLANCE OF CREDIT RISK MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Balogh Peter

    2010-12-01

    Full Text Available Through their daily activities, credit institutions are subject to various risks which could affect both the bank and the whole banking system, national and transnational. The activity field of the banks, marked by volatility, by the internationalization and liberalization of the financial markets, is in a continuous change. The contagion effect, as it has been proved by the spread of the financial crisis effects, determines the surveillance authorities to pay increased attention to the financial risks and implicitly to the systemic risk. In this study, to start with, there shall be presented some aspects regarding the banking rating systems used by the surveillance authorities and then some ways of improving the models of managing credit risk in banks. In the end, there will be demonstrated that the risk profile of the banking institution has a determining role in the management of the credit portfolio.

  7. Proposal of Optimization of the Process of Credit Analysis to the Self-Employment Segment

    Directory of Open Access Journals (Sweden)

    Armando Pereira-López

    2017-06-01

    Full Text Available As part of the banking system transformation process in Cuba, from 2011 is provided the granting of credits to persons authorized to engage in self-employment and other forms of non-state management. These new types of credit must be subject to strict rules of risk, analysis by the banking institution, what has caused it to become a slow and complicated process. According to the situation described, an analysis of the credit granted to this segment is carried out at the Branch 8312 of the Popular Saving Bank, determining the main limitations and making proposals to improve this said process through the mapping process tool that Proposes the Microsave Methodology which reduce the response time to the requests of the clients and contribute to the provision of more efficient services. 

  8. Transportation credit mortgages, spatial sorting, and housing supply : who benefits?

    Science.gov (United States)

    2007-01-01

    Transportation credit mortgage (TCM) programs are intended to reduce auto use, decrease sprawl, and increase housing options for low- and moderate-income households. The centerpiece of such programs is a credit to income for expected savings on auto ...

  9. Women's Access to Credit: Asian Women’s Double Burden

    National Research Council Canada - National Science Library

    Jonghee Lee

    2013-01-01

    Access to credit can have significant effects on standards of living. Credit can allow households to optimally select the timing of their purchases and sustain a certain level of consumption when they are struck by unforeseen setbacks...

  10. Arbitrary Deprivation of an Unregistered Credit Provider's Right to ...

    African Journals Online (AJOL)

    Arbitrary Deprivation of an Unregistered Credit Provider's Right to Claim Restitution of Performance Rendered Opperman v Boonzaaier (24887/2010) 2012 ZAWCHC 27 (17 April 2012) and National Credit Regulator v Opperman 2013 2 SA 1 (CC)

  11. Financial Credit Outcomes of IDA Participation: Longitudinal Findings

    Directory of Open Access Journals (Sweden)

    Julie Birkenmaeier

    2014-12-01

    Full Text Available Financially vulnerable families often struggle with low credit scores. Thus, improved participant credit is often a goal of asset development programs, such as the Individual Development Account (IDA program, but little is known about the long-term credit outcomes of participation. This article reports the final results of a three-year longitudinal exploratory study of credit outcomes for IDA participants. Using a convenience sample of IDA participants and non-participants (N = 164, data were analyzed using nonparametric and Chi-square for independence tests. Results indicate that participant credit scores improvements are achieved and maintained. Credit score is not a meaningful indicator of program completion, time to completion, or type of asset purchased for participants. Those who completed the IDA program within two years experienced the highest credit gains. Future research with larger samples is needed to further assess the impact of credit scores on program participation and completion.

  12. 12 CFR 226.10 - Prompt crediting of payments.

    Science.gov (United States)

    2010-01-01

    ... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.10 Prompt crediting of payments. (a) General... address for receiving payments, such as a post office box. (3) Nonconforming payments. If a creditor...

  13. 75 FR 57820 - National Credit Union Administration Restoration Plan

    Science.gov (United States)

    2010-09-22

    ... foreclosed real estate in federally insured credit unions remains elevated. The credit union CAMEL ratings... to present a challenge for the financial services sector. Housing remains a risk as foreclosures...

  14. 32 CFR 231.7 - Procedures-domestic credit unions.

    Science.gov (United States)

    2010-07-01

    ... intrastation telephone service, credit unions shall be required to pay for all communication services to include telephone lines, long distance data services and Internet connections. Credit unions also shall...

  15. 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.

  16. Strategic interaction in undeveloped credit markets

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Malchow-Møller, Nikolaj

    2006-01-01

    This paper studies the strategic interaction between informal and formal lenders in undeveloped credit markets. In a model with adverse selection, loan seniority, market power, and differences in the cost of lending, it is shown that under general conditions a co-funding equilibrium will be a Nas...... evidence and the emerging discussion of how to best ensure financial viability and outreach of microfinance institutions......This paper studies the strategic interaction between informal and formal lenders in undeveloped credit markets. In a model with adverse selection, loan seniority, market power, and differences in the cost of lending, it is shown that under general conditions a co-funding equilibrium will be a Nash...

  17. 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

  18. Neural fraud detection in credit card operations.

    Science.gov (United States)

    Dorronsoro, J R; Ginel, F; Sgnchez, C; Cruz, C S

    1997-01-01

    This paper presents an online system for fraud detection of credit card operations based on a neural classifier. Since it is installed in a transactional hub for operation distribution, and not on a card-issuing institution, it acts solely on the information of the operation to be rated and of its immediate previous history, and not on historic databases of past cardholder activities. Among the main characteristics of credit card traffic are the great imbalance between proper and fraudulent operations, and a great degree of mixing between both. To ensure proper model construction, a nonlinear version of Fisher's discriminant analysis, which adequately separates a good proportion of fraudulent operations away from other closer to normal traffic, has been used. The system is fully operational and currently handles more than 12 million operations per year with very satisfactory results.

  19. Visual aggregate analysis of eligibility features of clinical trials.

    Science.gov (United States)

    He, Zhe; Carini, Simona; Sim, Ida; Weng, Chunhua

    2015-04-01

    To develop a method for profiling the collective populations targeted for recruitment by multiple clinical studies addressing the same medical condition using one eligibility feature each time. Using a previously published database COMPACT as the backend, we designed a scalable method for visual aggregate analysis of clinical trial eligibility features. This method consists of four modules for eligibility feature frequency analysis, query builder, distribution analysis, and visualization, respectively. This method is capable of analyzing (1) frequently used qualitative and quantitative features for recruiting subjects for a selected medical condition, (2) distribution of study enrollment on consecutive value points or value intervals of each quantitative feature, and (3) distribution of studies on the boundary values, permissible value ranges, and value range widths of each feature. All analysis results were visualized using Google Charts API. Five recruited potential users assessed the usefulness of this method for identifying common patterns in any selected eligibility feature for clinical trial participant selection. We implemented this method as a Web-based analytical system called VITTA (Visual Analysis Tool of Clinical Study Target Populations). We illustrated the functionality of VITTA using two sample queries involving quantitative features BMI and HbA1c for conditions "hypertension" and "Type 2 diabetes", respectively. The recruited potential users rated the user-perceived usefulness of VITTA with an average score of 86.4/100. We contributed a novel aggregate analysis method to enable the interrogation of common patterns in quantitative eligibility criteria and the collective target populations of multiple related clinical studies. A larger-scale study is warranted to formally assess the usefulness of VITTA among clinical investigators and sponsors in various therapeutic areas. Copyright © 2015 Elsevier Inc. All rights reserved.

  20. METHODS TO IMPROVE THE RELIABILITY OF CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Yu. V. Mishin

    2014-01-01

    Full Text Available This article discusses issues of competitiveness of commercial banks at the expense of future growth profitability and liquidity of credit institutions. To solve this problem is proposed multistage economic and mathematical model. It provides, first, determining the possible volumes of recruitment and placement of funds subject to the minimum level of liquidity , interest rate risk , as well as compliance with prudential regulations of capital adequacy and liquidity , and secondly, based on the enumeration of variable accounting policies and obtain comprehensive reliability assessment forms the best option plan banking. The paper shows the practical implementation of the proposed approach on the example of one of the largest Russian banks – JSC «Bank VTB».

  1. Fraud management in the credit card industry

    OpenAIRE

    Peter Burns; Anne Stanley

    2002-01-01

    On November 16, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop on fraud management in the credit card industry. Daniel Buttafogo and Larry Drexler of Juniper Bank led the discussion. Daniel Buttafogo, Director-Risk Management, is Juniper's fraud expert. He provided an overview of fraud in the card industry and discussed some of the challenges he faces as a risk manager. ; Larry Drexler is General Counsel and the Chief Privacy Officer at Juniper...

  2. Rotating Savings and Credit Associations as Insurance

    OpenAIRE

    Stefan Klonner

    2000-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here,in contrast, under the assumption that participants are risk averse and that their incomes are stochastic and independent, it is shown that a random Rosca is not advantageous, while participation in a bidding Rosca improves ex ante expected utility if temporal risk aversion...

  3. Essays on rotating savings and credit associations

    OpenAIRE

    Klonner, Stefan

    2001-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here, in contrast, under the assumption that Rosca funds are used for consumption, that participants are risk averse, and that their incomes are stochastic, independent and privately observed, it is shown that a random Rosca is not advantageous, while a bidding Rosca is so if te...

  4. Capacity credit of wind power in Germany

    Energy Technology Data Exchange (ETDEWEB)

    Sperling, M.; Pamfensie, A.; Hartkopf, T. [TU-Darmstadt, Inst. for Renewable Energies (Germany)

    2007-11-15

    Covering the peak loads with a reliable safety margin is a task that becomes more difficult in the moment that base load power plants are exchanged by renewable energy resources. This is an issue that might affect Germany in the next years. This paper analyses the power plant mix in Germany and calculates the wind power capacity credit for different scenarios. The contribution of the wind power on covering the peak loads is discussed. (au)

  5. Taxation of credit unions in Ukraine

    Directory of Open Access Journals (Sweden)

    Оксана Георгіївна Волкова

    2015-10-01

    Full Text Available The article deals with the issues of income taxation of credit unions in Ukraine by the tax on profits of enterprises and tax of revenues of their members accrued on the interest of contributions (deposits on deposit accounts and mutual funds the tax to incomes of physical persons. The consequences of the influence of tax rules on capitalization of unions and the level of their financial support is defined

  6. Global Business Cycles and Credit Risk

    OpenAIRE

    M. Hashem Pesaran; Til Schuermann; Björn-Jakob Treutler

    2005-01-01

    The potential for portfolio diversification is driven broadly by two characteristics: the degree to which systematic risk factors are correlated with each other and the degree of dependence individual firms have to the different types of risk factors. Using a global vector autoregressive macroeconometric model accounting for about 80% of world output, we propose a model for exploring credit risk diversification across industry sectors and across different countries or regions. We find that fu...

  7. Using discriminant analysis for credit decision

    Directory of Open Access Journals (Sweden)

    Gheorghiţa DINCĂ

    2015-12-01

    Full Text Available This paper follows to highlight the link between the results obtained applying discriminant analysis and lending decision. For this purpose, we have carried out the research on a sample of 24 Romanian private companies, pertaining to 12 different economic sectors, from I and II categories of Bucharest Stock Exchange, for the period 2010-2012. Our study works with two popular bankruptcy risk’s prediction models, the Altman model and the Anghel model. We have double-checked and confirmed the results of our research by comparing the results from applying the two fore-mentioned models as well as by checking existing debt commitments of each analyzed company to credit institutions during the 2010-2012 period. The aim of this paper was the classification of studied companies into potential bankrupt and non-bankrupt, to assist credit institutions in their decision to grant credit, understanding the approval or rejection algorithm of loan applications and even help potential investors in these ompanies.

  8. Creation of Carbon Credits by Water Saving

    Directory of Open Access Journals (Sweden)

    Yasutoshi Shimizu

    2012-07-01

    Full Text Available Until now, as a way of reducing greenhouse gas emissions from Japanese homes, the emphasis has been on reduction of energy consumption for air-conditioning and lighting. In recent years, there has been progress in CO2 emission reduction through research into the water-saving performance of bathroom fixtures such as toilets and showers. Simulations have shown that CO2 emissions associated with water consumption in Japanese homes can be reduced by 25% (1% of Japan’s total CO2 emissions by 2020 through the adoption of the use of water-saving fixtures. In response to this finding, a program to promote the replacement of current fixtures with water-saving toilet bowls and thermally insulated bathtubs has been added to the Government of Japan’s energy-saving policy. Furthermore, CO2 emission reduction through widespread use of water-saving fixtures has been adopted by the domestic credit system promoted by the Government of Japan as a way of achieving CO2 emission-reduction targets; application of this credit system has also begun. As part of a bilateral offset credit mechanism promoted by the Government of Japan, research to evaluate the CO2 reduction potential of the adoption of water-saving fixtures has been done in the city of Dalian, in China.

  9. Emissions credits traded : solar developer sees potential

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    1998-12-01

    The issue of buying and selling carbon dioxide emissions reductions through credit trades was discussed. Canada`s Greenhouse Gas Emissions Reduction Trading (GERT) pilot program is a first step toward developing a commodity market for greenhouse gas offsets. The program is based on a credit system in which site-specific baselines for emissions are defined. As currently set up, a source reducing its emissions below its baseline receives a credit which can be sold to another source if needed. The first trade submitted to GERT displaces fossil-fuelled electricity with electricity produced by wind turbines. In this deal Calgary`s distribution utility, Enmax, is selling wind power and the resulting emissions reductions to the federal government for use in its own buildings . Another deal which may soon be submitted to GERT is a solar pool-heating project at a recreation centre in Lillooet, British Columbia. It will replace a propane heater. The amount of reduction in greenhouse gas emissions will be calculated from the amount of propane that has been displaced by solar heating.

  10. Scientific Software - Publish, Cite, and get Credit for your Code

    Science.gov (United States)

    Hammitzsch, M.; Klump, J. F.; Fenner, M.; Pampel, H.; Bertelmann, R.; Brembs, B.; Deinzer, G.; Reusser, D. E.; Fritzsch, B.; Loewe, P.; Wächter, J.

    2014-12-01

    Scientific software takes on an increasingly prominent role in research. In particular in the sciences software has become an indispensable element in the research process. The way we handle software has a significant influence on the quality of research results, their traceability and reproducibility. In order to strengthen the recognition of scientific results achieved by software and to improve its visibility, the scientific community is actively working on concepts and solutions enabling researchers to publish software, cite it and be credited for it. For software to be a valuable and citeable contribution to science, the publication of scientific software must meet the quality criteria of the scientific discourse. As with data publication, defined processes and persistent identifiers should be used to make the results of research reproducible. Also, the specific needs of research have to be addressed and joined with experience gained in the field of development of free and open source software. A common understanding of handling scientific software with defined processes must be developed jointly. These processes have to address questions regarding quality assurance, versioning and documentation, traceability, reproducibility and reusability. Furthermore, the archiving of source code and executables, the use of persistent identifiers, and metrics measuring productivity, impact, and recognition have to be addressed. Especially when looking at software in the context of scientific publications only insufficient solutions exist to date. Even though it is possible to mint DOIs to identify archived source code copies, quality ensured by reviews is not addressed properly. But deserving credit for a software publication requires measures assessing the value of the published software. Subject-specific reviews paired with software-specific expertise would open up new possibilities leveraging interdisciplinarity and the interplay of complementary scientific fields such

  11. Funding the heavy oil sector's innovation : maximizing Canada's R and D tax credit

    Energy Technology Data Exchange (ETDEWEB)

    Hill, G.S.; Bernard, M.; Cheung, S. [Deloitte and Touche, Toronto, ON (Canada)

    2008-07-01

    Canada offers one of the most generous, broadly applicable business tax incentives for eligible research and development projects in the world. The scientific research and experimental development (SR and ED) program is administered by the Canada Revenue Agency and is the single largest federal program, providing over 3 billion dollars in tax assistance to Canadian businesses in 2006. The development of in-situ oil sands recovery technologies such as steam assisted gravity drainage and other techniques have been research-intensive undertakings that have historically benefited from the SR and ED program, many of which are now commercial available technologies. The SR and ED program definition, eligible activities, eligible expenditures, and benefits were described in this paper. These benefits include the ability to deduct qualifying expenditures currently or to defer them indefinitely, as well as investment tax credits that reduce taxes payable on a dollar for dollar basis. Research and development in the heavy oil and oil sands industries was also discussed with reference to platforms for research and development; areas of potential SR and ED. It was concluded that the SR and ED program is a vital source of financing to many Canadian corporations, and could offer significant assistance to companies in the heavy oil and oil sands sector by returning 20-35 per cent of the expenditures back at the federal level as a tax credit. 5 refs.

  12. 17 CFR 256.411.5 - Investment tax credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

  13. Sectoral Analysis Of Credit Mobilization In Ghana | Ahiawodzi ...

    African Journals Online (AJOL)

    Credit developments in Ghana, have been examined, with the focus on credit mobilization (savings), sectoral allocation, and cost between 1993 to 2004. The methodology adopted for the study-involved computation of averages, ratios, percentages and elasticity of demand. The study revealed that mobilization of credit was ...

  14. Credit procurement and utilization by rural farmers from selected ...

    African Journals Online (AJOL)

    This study examines the procurement and utilization of credit by the rural farmers from selected rural credit institutions for sustainable agricultural production and development in Imo State, Nigeria. Two sets of structured questionnaires were administered to the 220 respondents (loan beneficiaries) and the credit institutions ...

  15. Analysis of Rural Farming Households' Access to Credit in Kwara ...

    African Journals Online (AJOL)

    Agricultural credit has been identified as an important component in the development of the agricultural sector in Nigeria. Though, agricultural credit ... The study showed that co-operative societies, personal savings and rotary loan scheme 'esusu' were the regularly accessible sources of credit. The study also showed that ...

  16. Mortgages and Credit Cycle Divergence in Eurozone Economies

    NARCIS (Netherlands)

    Samarina, Anna; Zhang, Lu; Bezemer, Dirk

    2015-01-01

    The dynamics of household mortgage credit and loans to non-financial busi- ness have diverged significantly in recent decades. In this paper we construct and describe credit cycles for total bank credit, household mortgages and non- financial business loans for 14 EMU economies over 1990–2013. We

  17. 49 CFR 1018.31 - Use of credit reports.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 8 2010-10-01 2010-10-01 false Use of credit reports. 1018.31 Section 1018.31 Transportation Other Regulations Relating to Transportation (Continued) SURFACE TRANSPORTATION BOARD, DEPARTMENT... § 1018.31 Use of credit reports. The Board may institute a credit investigation of the debtor at any time...

  18. 7 CFR 958.250 - Assessment Credit Report.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Assessment Credit Report. 958.250 Section 958.250... DESIGNATED COUNTIES IN IDAHO, AND MALHEUR COUNTY, OREGON Rules and Regulations § 958.250 Assessment Credit Report. Each handler may receive a credit for assessments on onions that have been levied in accordance...

  19. 48 CFR 432.406 - Letters of credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Letters of credit. 432.406... REQUIREMENTS CONTRACT FINANCING Advance Payments for Non-Commercial Items 432.406 Letters of credit. The HCA is... of credit. ...

  20. 76 FR 68841 - New Markets Tax Credit Program

    Science.gov (United States)

    2011-11-07

    ... New Markets Tax Credit Program AGENCY: Community Development Financial Institutions Fund, U.S... public regarding the New Markets Tax Credit (NMTC) Program, which is jointly administered by the..., New Markets Tax Credit Program, CDFI Fund, U.S. Department of the Treasury, 601 13th Street NW., Suite...

  1. 29 CFR 531.59 - The tip wage credit.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false The tip wage credit. 531.59 Section 531.59 Labor... § 531.59 The tip wage credit. In determining compliance with the wage payment requirements of the Act... such employee in the workweek for which the wage payment is made. This credit is in addition to any...

  2. 26 CFR 1.41-9 - Alternative simplified credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative simplified credit. 1.41-9 Section 1.41-9 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.41-9 Alternative simplified credit. For further guidance, see § 1.41-9T. ...

  3. 75 FR 80678 - Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-12-23

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 708a and 708b RIN 3133-AD84; 3133-AD85 Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Interim final rule with request for comments. SUMMARY...

  4. 7 CFR 1779.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

  5. Monetary Policies And Credit Financing As Factors In Agricultural ...

    African Journals Online (AJOL)

    The study evaluates the influence of credit policies on institutional lending behaviour of farmers in Cross River State. It also ascertains the relationship between credit and agricultural development. Using econometric methods, results reveal that credit quota and portfolio lending devices and pursuit of cheap interest rate ...

  6. 26 CFR 1.23-1 - Residential energy credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Residential energy credit. 1.23-1 Section 1.23-1... Rates During A Taxable Year § 1.23-1 Residential energy credit. (a) General rule. Section 23 or former section 44C provides a residential energy credit against the tax imposed by chapter 1 of the Internal...

  7. 20 CFR 601.4 - Certification for tax credit.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certification for tax credit. 601.4 Section 601.4 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR ADMINISTRATIVE... and Additional Tax Credit and Grant Purposes § 601.4 Certification for tax credit. (a) Within 30 days...

  8. 22 CFR 19.13-1 - Lump-sum credit.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Lump-sum credit. 19.13-1 Section 19.13-1... THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.13-1 Lump-sum credit. “Lump-sum credit” is the compulsory and special contributions to a participant's or former participant's credit in the Fund...

  9. 76 FR 13504 - Conversions of Insured Credit Unions

    Science.gov (United States)

    2011-03-14

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 708a and 708b RIN 3133-AD84; 3133-AD85 Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: NCUA is confirming as final a...

  10. 26 CFR 1.535-3 - Accumulated earnings credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Accumulated earnings credit. 1.535-3 Section 1... Accumulated earnings credit. (a) In general. As provided in section 535(a) and § 1.535-1, the accumulated earnings credit, provided by section 535(c), reduces taxable income in computing accumulated taxable income...

  11. 7 CFR 1980.308 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

  12. 19 CFR 24.26 - Automated Clearinghouse credit.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Automated Clearinghouse credit. 24.26 Section 24... THE TREASURY CUSTOMS FINANCIAL AND ACCOUNTING PROCEDURE § 24.26 Automated Clearinghouse credit. (a) Description. Automated Clearinghouse (ACH) credit is an optional payment method that allows a payer to...

  13. 26 CFR 1.1502-4 - Consolidated foreign tax credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated foreign tax credit. 1.1502-4... TAX (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-4 Consolidated foreign tax credit. (a) In general. The credit under section 901 for taxes paid or accrued to any foreign country or...

  14. 17 CFR 256.922 - Administrative expenses transferred-credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Administrative expenses transferred-credit. 256.922 Section 256.922 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... transferred—credit. This account shall be credited with administrative expenses recorded in accounts 920 and...

  15. 78 FR 77608 - Requirements for Contacts with Federal Credit Unions

    Science.gov (United States)

    2013-12-24

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE34 Requirements for Contacts with Federal Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY: The NCUA Board (Board...

  16. 40 CFR 1033.720 - Trading emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

  17. 40 CFR 1042.720 - Trading emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

  18. 12 CFR 614.4030 - Federal land credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land credit associations. 614.4030 Section 614.4030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... authorized by their respective funding banks; and (iii) Any certified agricultural mortgage marketing...

  19. 12 CFR 614.4040 - Production credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Production credit associations. 614.4040 Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing...

  20. 12 CFR 614.4050 - Agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 614.4050 Section 614.4050 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... respective funding banks; and (C) Any certified agricultural mortgage marketing facility, as defined by...

  1. Principles for Public Credit Guarantee Schemes for SMEs

    OpenAIRE

    World Bank Group

    2015-01-01

    Access to finance, particularly credit, is widely recognized as problematic for small and medium enterprises (SMEs), hampering their growth and development. To address this challenge, many governments around the world intervene in SME credit markets through credit guarantee schemes (CGSs). A CGS offers risk mitigation to lenders by taking a share of the lenders’ losses on SME loans in case ...

  2. 40 CFR 1033.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...

  3. 77 FR 75410 - Request for Information Regarding Credit Card Market

    Science.gov (United States)

    2012-12-20

    ... PROTECTION Request for Information Regarding Credit Card Market AGENCY: Bureau of Consumer Financial... Financial Protection (Bureau) to conduct a review (Review) of the consumer credit card market, within the... the public about a number of aspects of the consumer credit card market, which are described further...

  4. 49 CFR 260.17 - Credit risk premium analysis.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

  5. Analysis Of Demand For Informal And Formal Credit Among Small ...

    African Journals Online (AJOL)

    The study therefore, investigated demand for credit from both informal and formal source by small scale cassava farmers; and also examined the interaction between cost of capital for informal and formal credit sources. Primary data were collected from 120 farmers who used both formal and informal credit sources.

  6. 10 CFR 490.703 - Biodiesel fuel use credit allocation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 3 2010-01-01 2010-01-01 false Biodiesel fuel use credit allocation. 490.703 Section 490.703 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Biodiesel Fuel Use Credit § 490.703 Biodiesel fuel use credit allocation. (a) DOE shall allocate to a fleet or...

  7. 7 CFR 1738.31 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

  8. 7 CFR 762.103 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

  9. 7 CFR 3575.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

  10. Credit Usage, Hire Purchase Costs, and Consumer Protection in ...

    African Journals Online (AJOL)

    Adopting a survey and a disguised interview technique, data was collected and analyzed on the usage rate of credit purchases. The hire purchase, which was the most popular form of credit, was examined in greater detail with respect to the costs of hire purchase, their comparison with other types of consumer credit, the ...

  11. 25 CFR 11.422 - Unauthorized use of credit cards.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  12. Credit Card Attitudes and Behaviors of College Students

    Science.gov (United States)

    Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

    2005-01-01

    At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

  13. Credit Demand Amongst Farmers in Mukono District, Uganda ...

    African Journals Online (AJOL)

    We employ the binary logit model estimation to analyse demand for credit. The empirical results suggest that the probability of a farmer demanding credit increases with proximity to credit facility, easier application procedures, customary land tenure system and membership to farmers' association. In contrast, the likelihood ...

  14. Determinants Of Agricultural Credit Supply To Farmers In The Niger ...

    African Journals Online (AJOL)

    The determinants of credit supply for agricultural purposes were found to be profitability of the investment, level of assets of the farmer-borrower interest rate, availability of credit, loan transaction costs, and level of risk bearing. Results show that the availability of credit was considered an extremely important factor in the ...

  15. Credit rationing and SME development in Botswana: Implications for ...

    African Journals Online (AJOL)

    This constrained access to credit is argued in the literature to be due to the credit rationing behaviour of banks emanating from asymmetric information in credit ... economic diversification, employment creation opportunities, increase household incomes, and contributing to poverty reduction in line with Botswana's Vision ...

  16. 29 CFR 20.9 - Waiver of credit reporting.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Waiver of credit reporting. 20.9 Section 20.9 Labor Office of the Secretary of Labor FEDERAL CLAIMS COLLECTION Disclosure of Information to Credit Reporting Agencies § 20.9 Waiver of credit reporting. The agency head (or designee) may waive reporting a commercial...

  17. 29 CFR 20.8 - Disclosure to credit reporting agencies.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Disclosure to credit reporting agencies. 20.8 Section 20.8 Labor Office of the Secretary of Labor FEDERAL CLAIMS COLLECTION Disclosure of Information to Credit Reporting Agencies § 20.8 Disclosure to credit reporting agencies. (a) In accordance with guidelines...

  18. 12 CFR 1408.14 - Reporting of credit information.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Reporting of credit information. 1408.14 Section 1408.14 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.14 Reporting of credit information. The Chairman...

  19. 12 CFR 608.814 - Reporting of credit information.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Reporting of credit information. 608.814 Section 608.814 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 608.814 Reporting of credit...

  20. Optimal replenishment and credit policy in supply chain inventory model under two levels of trade credit with time- and credit-sensitive demand involving default risk

    Science.gov (United States)

    Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit

    2017-06-01

    Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.

  1. 44 CFR 206.363 - Eligibility criteria.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Eligibility criteria. 206.363... Eligibility criteria. (a) Local government. (1) The local government must be located within the area... incurring the indebtedness resulting from a Federal loan. (2) Criteria considered by FEMA in determining the...

  2. 7 CFR 1421.5 - Eligible commodities.

    Science.gov (United States)

    2010-01-01

    ...)(1) To be an eligible commodity, the commodity must be merchantable for food, feed, or other uses... factor, milling yields, and other quality factors and will be based upon the U.S. Standards for Rice as... commodity from which the county committee may determine whether the eligible production claimed by the...

  3. 24 CFR 964.205 - Eligibility.

    Science.gov (United States)

    2010-04-01

    ..., Board development, and leadership training; (ii) Determining the feasibility of resident management... contracts, and designing a long-range planning system. (3) Resident management business development. (i... Eligibility. (a) Resident councils/resident management corporations. Any eligible resident council/resident...

  4. 5 CFR 470.203 - Eligible parties.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Eligible parties. 470.203 Section 470.203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PERSONNEL MANAGEMENT RESEARCH... Eligible parties. Research may be conducted by the Office of Personnel Management, or under contract or...

  5. 24 CFR 585.305 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 585.305... Eligible activities. Implementation grant activities to conduct a Youthbuild program may include: (a... families, including lead-based paint activities; in accordance with part 35 of this title; (e) Operating...

  6. 24 CFR 570.703 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 570.703... Eligible activities. Guaranteed loan funds may be used for the following activities, provided such activities meet the requirements of § 570.200. However, guaranteed loan funds may not be used to reimburse...

  7. 24 CFR 92.602 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Eligible activities. 92.602 Section... activities. (a) Eligible activities. ADDI funds may only be used for: (1) Downpayment assistance towards the... assistance, if the activities of that entity or organization are financed in whole or in part, directly or...

  8. 15 CFR 752.2 - Eligible activities.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 2 2010-01-01 2010-01-01 false Eligible activities. 752.2 Section 752... COMPREHENSIVE LICENSE § 752.2 Eligible activities. (a) Possible authorizations. Under the SCL, BIS may authorize you to perform any number of activities, which can be grouped under the general categories of “service...

  9. 32 CFR 203.10 - Eligible activities.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Eligible activities. 203.10 Section 203.10... ACTIVITIES § 203.10 Eligible activities. (a) TAPP procurements should be pursued by the RAB or TRC only to... environmental restoration activities at the installation and is likely to contribute to community acceptance of...

  10. 24 CFR 594.10 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 594.10 Section... activities. Eligible activities include, but are not limited to, the following: (a) Developing economic development activities that include: (1) Creating permanent jobs in the neighborhood; or (2) Establishing or...

  11. 24 CFR 573.3 - Eligible activities.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Eligible activities. 573.3 Section... DEVELOPMENT COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.3 Eligible activities. Guaranteed Loan Funds may be used by a Borrower for the following activities when it is certified in accordance with...

  12. 20 CFR 336.10 - Eligibility.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Eligibility. 336.10 Section 336.10 Employees... NORMAL AND EXTENDED BENEFITS Extended Benefits § 336.10 Eligibility. (a) Except as provided in paragraph... in § 336.13 of this part; and (3) Continues to have days of unemployment or days of sickness, as the...

  13. 28 CFR 104.32 - Eligibility review.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Eligibility review. 104.32 Section 104.32 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED) SEPTEMBER 11TH VICTIM COMPENSATION FUND OF 2001 Claim Intake, Assistance, and Review Procedures § 104.32 Eligibility review. Any claimant deemed...

  14. 42 CFR 59.203 - Eligibility.

    Science.gov (United States)

    2010-10-01

    ... planning or other health services delivery personnel in the skills, knowledge, and attitudes necessary for... PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR FAMILY PLANNING SERVICES Grants for Family Planning Service Training § 59.203 Eligibility. (a) Eligible applicants. Any public or...

  15. 38 CFR 17.364 - Eligibility determinations.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Eligibility determinations. 17.364 Section 17.364 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS MEDICAL Grants to the Republic of the Philippines § 17.364 Eligibility determinations. Determinations of...

  16. 20 CFR 628.605 - Eligibility.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Eligibility. 628.605 Section 628.605 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR PROGRAMS UNDER TITLE II OF THE JOB TRAINING PARTNERSHIP ACT The Adult Program § 628.605 Eligibility. (a) Age and economic...

  17. 22 CFR 204.12 - Guaranty eligibility.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Guaranty eligibility. 204.12 Section 204.12 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS The... Investors only are entitled to the benefits of this Guaranty. Notes in order to achieve Eligible Note status...

  18. 23 CFR 650.703 - Eligible projects.

    Science.gov (United States)

    2010-04-01

    ... 23 Highways 1 2010-04-01 2010-04-01 false Eligible projects. 650.703 Section 650.703 Highways..., STRUCTURES, AND HYDRAULICS Discretionary Bridge Candidate Rating Factor § 650.703 Eligible projects. (a..., provided that the total project cost for a discretionary bridge candidate is at least $10 million or twice...

  19. 36 CFR 64.5 - Eligible projects.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 1 2010-07-01 2010-07-01 false Eligible projects. 64.5... Eligible projects. (a) Abandoned railroad projects will be for recreation and/or conservation purposes including the acquisition of the rights-of-way involved and will be sponsored by a project applicant who has...

  20. 42 CFR 67.13 - Eligible projects.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Eligible projects. 67.13 Section 67.13 Public... Research, Evaluation, Demonstration, and Dissemination Projects § 67.13 Eligible projects. Projects for... grant support. These include, but are not limited to, projects in the following categories: (a...