WorldWideScience

Sample records for submitting interlibrary loan

  1. Kansas Interlibrary Loan Study.

    Science.gov (United States)

    Kansas State Library, Topeka.

    This study was made to investigate new dimensions for a statewide interlibrary loan service and the means for financing an interlibrary loan service for Kansas public Libraries in fiscal year 1972. Some new dimensions considered worthy of investigation were: (1) inclusion of some system library headquarters as suppliers to a state interlibrary…

  2. A Study of Interlibrary Loan

    Science.gov (United States)

    Stevens, Rolland E.

    1974-01-01

    From an examination of the data in several recent studies of interlibrary loans, an estimate of the present volume and general statements about interlibrary loan for all types of libraries in the United States are made. (Author/PF)

  3. Interlibrary Loan Codes and Guidelines.

    Science.gov (United States)

    RQ, 1980

    1980-01-01

    Presents a model interlibrary loan policy for regional, state, local, and other special groups of libraries; the 1980 national interlibrary loan code; and the 1978 procedural guidelines for international lending. (FM)

  4. MEDICAL INTERLIBRARY LOAN PATTERNS.

    Science.gov (United States)

    HYMAN, R J

    1965-04-01

    During the academic year 1958/59, a survey was made of interlibrary loan requests originating at Columbia University Medical Library. A high percentage of requests came from a relatively few requesters. However, analysis based on "one-time" and "repeat" categories for the patron and his requests indicated a situation less extreme than "monopoly use by an elite group." Requests were classed by type, age, language, title, etc., and were also correlated with such variables as citation source, requester's academic status and experience, and estimated importance of material. The analysis aims to uncover patterns significant for cooperative planning. Did the repeat and one-time requester show distinctive characteristics and habits? Which materials attracted more repeat requests? Findings generally favored cooperation, at least for a library servicing nonstudent researchers. Unpredictability of researchers' needs was noted. Apart from specific findings, this paper offers methods for statistical analysis of interlibrary loans.

  5. Medical Interlibrary Loan Patterns *

    Science.gov (United States)

    Hyman, Richard J.

    1965-01-01

    During the academic year 1958/59, a survey was made of interlibrary loan requests originating at Columbia University Medical Library. A high percentage of requests came from a relatively few requesters. However, analysis based on “one-time” and “repeat” categories for the patron and his requests indicated a situation less extreme than “monopoly use by an elite group.” Requests were classed by type, age, language, title, etc., and were also correlated with such variables as citation source, requester's academic status and experience, and estimated importance of material. The analysis aims to uncover patterns significant for cooperative planning. Did the repeat and one-time requester show distinctive characteristics and habits? Which materials attracted more repeat requests? Findings generally favored cooperation, at least for a library servicing nonstudent researchers. Unpredictability of researchers' needs was noted. Apart from specific findings, this paper offers methods for statistical analysis of interlibrary loans. PMID:14271115

  6. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-04-01

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

  7. TWX and Interlibrary Loans *

    Science.gov (United States)

    Bird, Warren

    1969-01-01

    Libraries now have available to them a variety of ways of speeding the flow of information among widely scattered locations. One of the means for the improvement of interlibrary loan service is the use of the teletypewriter, and the use of Teletypewriter Exchange Service (TWX) by medical libraries during the past three years is described. The background of library applications of teletypewriter systems is outlined, and the advantages, types of use, cost factors, and experiences of some groups are discussed, as well as the impact of the “network concept” on library service. PMID:5778722

  8. TWX and interlibrary loans.

    Science.gov (United States)

    Bird, W

    1969-04-01

    Libraries now have available to them a variety of ways of speeding the flow of information among widely scattered locations. One of the means for the improvement of interlibrary loan service is the use of the teletypewriter, and the use of Teletypewriter Exchange Service (TWX) by medical libraries during the past three years is described. The background of library applications of teletypewriter systems is outlined, and the advantages, types of use, cost factors, and experiences of some groups are discussed, as well as the impact of the "network concept" on library service.

  9. Emergent Resource Sharing & Interlibrary Loan

    OpenAIRE

    Oberlander, Cyril

    2006-01-01

    Resource sharing and Interlibrary Loan face exciting opportunities to develop new connections between information and library resources and services. Emergent consumer technology is radically changing the nature of Library service; however, we can shape the transformation of resource sharing and interlibrary loan. Framing the evolution of request management systems and resource sharing workflow are communities of adaptations to the changed information and technology landscape. The redefini...

  10. Interlibrary Loan Cost Study and Comparison.

    Science.gov (United States)

    Herstand, Jo Ellen

    1981-01-01

    Details how a manual, nonautomated adaptation of Vernon E. Palmour's study on interlibrary loan costs, characteristics, and magnitude was designed and implemented to show interlibrary loan costs at the University of Oklahoma. Five references are cited. (FM)

  11. ILLiad: Customer-Focused Interlibrary Loan Automation.

    Science.gov (United States)

    Kriz, Harry M.; Glover, M. Jason; Ford, Kevin C.

    1998-01-01

    Describes ILLiad (Interlibrary Loan Internet Accessible Database), software that examines the current state of interlibrary loan borrowing requests at Virginia Polytechnic Institute and State University. Topics include system requirements, user procedures, staff procedures, copyright clearance, OCLC, and future developments. (LRW)

  12. Scanning Productivity in Interlibrary Loan

    Science.gov (United States)

    Pedersen, Wayne A.; Runestad, Anders

    2009-01-01

    The authors report findings of a research study conducted at the Iowa State University Library. Data was gathered on the scanning of library materials by students working in the Interlibrary Loan (ILL) unit. The goals of the study were fourfold: (1) Develop measures of scanning productivity in ILL, (2) Determine if it is more productive to scan…

  13. Interlibrary Loan Practices Handbook. Third Edition

    Science.gov (United States)

    Weible, Cherie L., Ed.; Janke, Karen L., Ed.

    2011-01-01

    In their definitive new "Interlibrary Loan Practices Handbook", editors Weible and Janke clearly explain the complexities of getting materials from outside the library for patrons. This collection presents a complete view of the interlibrary loan (ILL) process, with contributions from all areas of the technical services community, providing: (1)…

  14. The Confidentiality of Interlibrary Loan Records.

    Science.gov (United States)

    Nolan, Christopher W.

    1993-01-01

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

  15. Interlibrary Loans with a Micro. . . Clean and Quick.

    Science.gov (United States)

    Witters, Maryanne

    1984-01-01

    Reviews Fast Interlibrary Loans and Statistics (FILLS), a library-specific microcomputer software package designed to enable processing of interlibrary loans in less than 50 percent of manual time. Examples of American Library Association Interlibrary Loan Form, outstanding loan report, periodical requests report, library reports (requests,…

  16. 76 FR 57681 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2011-09-16

    ... Interlibrary Loan Fee Schedule AGENCY: Agricultural Research Service, USDA. ACTION: Proposed rule. SUMMARY: The Agricultural Research Service proposes to amend its regulations on the fee schedule for interlibrary loan from... debit/credit program for interlibrary loan) rather than type of material requested (loan, photocopy...

  17. Relationships between Interlibrary Loan and Research Activity in Canada

    Science.gov (United States)

    Duy, Joanna; Larivière, Vincent

    2014-01-01

    Interlibrary Loan borrowing rates in academic libraries are influenced by an array of factors. This article explores the relationship between interlibrary loan borrowing activity and research activity at 42 Canadian academic institutions. A significant positive correlation was found between interlibrary loan borrowing activity and measures of…

  18. Description of a Computerized, On-Line Interlibrary Loan System.

    Science.gov (United States)

    Kilgour, Frederick G.

    This paper describes the first two months of operation of the OCLC interlibrary loan system, an online system designed to increase speed and effectiveness in obtaining interlibrary loans. This system provides (1) bibliographic verification of interlibrary loan records and location of materials by using online union catalog records, (2) automatic…

  19. Guiding Users to Unmediated Interlibrary Loan

    Science.gov (United States)

    Adams, Carolyn; Ressel, Margret J.; Silva, Erin S.

    2009-01-01

    This article provides a practitioner's guide to marketing user-initiated borrowing at the point of need. By reviewing interlibrary loan book requests and manually transferring them to an INN-Reach consortial system, Link+, the University of Nevada, Reno Libraries were able to successfully market the service, deliver materials faster, and save…

  20. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

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

  1. TWX and interlibrary loans; one library's experience.

    Science.gov (United States)

    Hodges, T M

    1976-07-01

    Vanderbilt Medical Center Library (VMCL) first installed TWX in 1966, thus joining the teletypewriter exchange (TWX) network. Eight years later (1974), VMCL removed its TWX terminal, mainly as an economy measure. It is the opinion of the author that the benefits derived from using TWX for interlibrary loan do not warrant the cost of the service. VMCL looks forward to a new approach.

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

    Science.gov (United States)

    Murphey, Rebecca M.; Greenwood, Judy T.

    2009-01-01

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

  3. Interlibrary Loan and Document Delivery: Lessons To Be Learned.

    Science.gov (United States)

    Murphy, Molly; RuppSerrano, Karen

    1999-01-01

    Interlibrary loan and document delivery services have the potential to provide a wealth of information for collection development librarians. Insights into book and serial needs, departmental emphases, instructional opportunities and distant learning are available from interlibrary loan and document delivery databases, provided librarians are…

  4. 76 FR 60395 - Modification of Interlibrary Loan Fee Schedule; Correction

    Science.gov (United States)

    2011-09-29

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Agricultural Research Service 7 CFR Part 505 Modification of Interlibrary Loan Fee Schedule; Correction AGENCY... interlibrary loan fees. This document corrects the RIN number. FOR FURTHER INFORMATION CONTACT: Kay Derr, 301...

  5. Book Availability Revisited: Turnaround Time for Recalls versus Interlibrary Loans.

    Science.gov (United States)

    Gregory, David J.; Pedersen, Wayne A.

    2003-01-01

    Describes a study that tests the assumption that locally owned books that an academic library patron finds unavailable due to checkout can be obtained more quickly via recall than via interlibrary loan. Establishes average turnaround time for circulation recalls for comparison with turnaround times for interlibrary loans. (Contains 50 references.)…

  6. INTERLIBRARY LOAN, 1952-62: TEN YEARS OF PROGRESS?

    Science.gov (United States)

    KEENAN, E L

    1964-01-01

    Although the revised General Interlibrary Loan Code of 1952 was designed to alleviate the "crisis" in interlibrary loan services existing at the time, libraries today find that they are still facing the same problems as they did in 1952, namely, excessive use of large, distant libraries for materials available locally, unverified references, stringent restrictions on the materials lent and their subsequent use, and the rising cost of operating interlibrary loan programs. A brief description of the use and abuse of interlibrary loans at the National Library of Medicine is followed by consideration of the alternatives to the concept of interlibrary loan presently under study in various regions. To relieve the current situation, it is proposed that federal funds be made available to medical and scientific libraries on the basis of the percentage of interlibrary loan transactions handled (2 percent of their total circulation figure), that present lending restrictions on materials be relaxed, that photocopying of articles in lieu of loan of the original be done to a greater extent, and that standardized procedures in handling requests be instituted.

  7. Tne Road From Interlibrary Loan to Electronic Document Delivery Services

    Directory of Open Access Journals (Sweden)

    Li-Ping Chen

    1998-12-01

    Full Text Available "Interlibrary loan" has traditionally served as a means for libraries to fill the user's need for materials not owned locally through resource sharing with other library collections. With the advent of new technologies and computer networks, significant improvements have been made to the traditional interlibrary loan activities. "Document delivery", by using electronic means to communicate and deliver, combined with the use of current contents services, full-text retrieval and document suppliers' services, is more capable of providing satisfactory services to the users. This article presents an overview of the history of interlibrary loan and document delivery services, and discusses some related issues, such as copyright, cost, access vs.ownership, etc. Document suppliers and the current status of their systems are examined. Finally, the development of interlibrary loan and document delivery services in Taiwan, and the future directions for these services are also discussed. [Article content in Chinese

  8. Interlibrary loan management with microcomputers: a descriptive comparison of software.

    Science.gov (United States)

    Lingle, V A; Malcom, D L

    1989-01-01

    The use of microcomputers to manage interlibrary loan processing and record keeping is examined. Once the decision is made to automate, criteria for product evaluation needs to be established. Various software options are discussed which range from using dedicated interlibrary loan management software to the development of database management programs which require original template design. Descriptive profiles and sample input screens of a number of software packages are presented.

  9. Copyright Information: Record Maintenace and Retention Procedures; Revised Interlibrary Loan Form

    Science.gov (United States)

    Catholic Library World, 1978

    1978-01-01

    Procedures are discussed for the creation, use, and retention of a form for interlibrary loans which meets the requirements of the new copyright laws. A facsimile of the revised interlibrary loan form is included. (MBR)

  10. The Impact of Automation on Interlibrary Loan: One College Library's Experience.

    Science.gov (United States)

    Kelsey, Ann L.; Cohn, John M.

    1987-01-01

    The impact of an automated circulation system and online catalog on interlibrary loans at a county college is evaluated in terms of activity by patron type, periodicals usage, costs, borrowing activity, and interlibrary loan activity. (CLB)

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

    Science.gov (United States)

    Poehlmann, Ruth I.

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

  12. Louisiana Interlibrary Loan Code and Procedure Manual: An Official Publication of the Louisiana Library Association.

    Science.gov (United States)

    Motley, Drucilla; And Others

    The growth and development of interlibrary loan among libraries is necessary to meet the needs of users of all libraries. This manual, developed for personnel in interlibrary loan departments of all types of Louisiana libraries, consists of a code outlining the general philosophy; limitations and scope of interlibrary loan in the state; and a…

  13. An Experiment: Combining Interlibrary Loan with a Science/Engineering Reference Department.

    Science.gov (United States)

    Paradis, Olga

    1998-01-01

    Describes the inclusion of interlibrary loan services in the reference department of the science and engineering library that accounted for a large percentage of the interlibrary loan activity, based on experiences at Baylor University. Staffing, interlibrary loan statistics, and faculty needs are discussed. (LRW)

  14. The Cost of Interlibrary Loan Services in a Medium-Sized Academic Library.

    Science.gov (United States)

    Naylor, Ted F.

    1997-01-01

    A one-year study of interlibrary loan expense was conducted at Wichita State University (KS) to identify areas of interlibrary loan expense, compare results of cost studies from large research libraries, and provide a reference point in determining how to best balance Interlibrary loans and commercial document delivery systems. Analyzes salary,…

  15. A microcomputer-based, net-lending interlibrary loan system.

    Science.gov (United States)

    Yau, L; Newman, M; Gascard, M

    1989-10-01

    A microcomputer-based, net-lending interlibrary loan system was developed at Lane Medical Library, Stanford University. The system, designed to generate the monthly billing invoices and all necessary statistical reports, has reduced the time required for logging-in procedures and compilation of monthly, quarterly, and annual statistics. User menus, help screens, and choice fields were developed explicitly for library staff who have little or no computer experience. The program was written using the DataEase database management software running on IBM PC, XT, AT, or compatible with a minimum of 512K RAM. Described are features of this automated interlibrary loan management system and its use in a net-lending interlibrary loan department. It focuses on data entry in the "Library Directory" and "ILL Log Sheet," details of billing invoices, and statistical reports, and flexibility in modifying tax rates, borrowing fees, and other parameters.

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

    CERN Document Server

    Hilyer, Lee Andrew

    2013-01-01

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

  17. THE DEVELOPMENT OF INTERLIBRARY LOAN SERVICE IN JAPANESE MEDICAL LIBRARIES.

    Science.gov (United States)

    FUKUDOME, T

    1964-01-01

    An interlibrary loan system in Japan was established by the Japanese Medical Library Association in 1927. Since then the members of the Association have increased from five to forty-eight-all forty-six medical school libraries and two dental school libraries. The Association's service has been enlarged, particularly since World War II. The number of interlibrary loans among member libraries has increased greatly, especially since 1954, thanks to the development of union lists and photoduplication service. Today, more than 80 percent of the requests are filled with photocopied materials. On the other hand, the growth of medical literature has made interlibrary cooperation very necessary, especially internationally. An agreement was made in 1948 concerning photoduplication service between the Japanese Medical Library Association and the National Library of Medicine.

  18. Interlibrary Loan and Commercial Document Supply: Finding the Right Fit.

    Science.gov (United States)

    Pedersen, Wayne; Gregory, David

    1994-01-01

    This study examines the cost and performance of six commercial document suppliers accessible via Online computer Library Center (OCLC), compares their service to traditional interlibrary loan (ILL). Results indicate that, although commercial firms cannot replace ILL, they can add flexibility to a library's plan for document delivery. (Author/AEF)

  19. Computer Searching and Interlibrary Loans: Where's the Connection?

    Science.gov (United States)

    McKee, Anna Marie Keck; Williams, Janet

    An analysis comparing semi-annual statistics of interlibrary loan transactions to online literature searches from July 1973 to December 1977 was conducted at the Carl Campbell Brigham Library, a social science research library serving professional staff members of the Educational Testing Service (ETS). A highly significant correlation was found…

  20. COCTAILS: automated interlibrary loan statistics at health sciences library, SUNYAB.

    Science.gov (United States)

    O'Connell, M D; Miller, A P

    1977-04-01

    An automated interlibrary loan statistics compilation system used at the Health Sciences Library at the State University of New York at Buffalo is described. The system provides standardized input to produce various statistical reports as well as additional information for collection development and improved user service.

  1. Document Delivery and Interlibrary Loan in INAF Libraries: A Proposal

    Science.gov (United States)

    Brunetti, Francesca; Martines, Francesca

    Due to the continuing increase in the cost of astronomical publications, new solutions are being sought for effective acquisition and collection development policies, including regulation of Interlibrary Loan (ILL) and Document Delivery (DD) services. The current problem that exists in Italian Astronomical Observatory Libraries is described along with a drafted proposal for the regulation of ILL/DD services.

  2. Interlibrary Loan Trends: Making Access a Reality. SPEC Kit 184.

    Science.gov (United States)

    Dearie, Tammy Nickelson; Steel, Virginia

    This Systems and Procedures Exchange Center (SPEC) kit reports results of a survey of 82 Association of Research Libraries (ARL) institutions conducted in early 1992 in order to gather information on interlibrary loan by examining a number of operation and management changes that are occurring and the steps that might be taken to ease the pressure…

  3. QuickDOC: an interlibrary loan department in a microcomputer.

    Science.gov (United States)

    Klein, P; Hewison, N S

    1991-01-01

    Interlibrary loan (ILL) is a critical service in most libraries and one that may consume much staff time. QuickDOC, a software program written by a medical librarian, has been designed to expedite and organize the process of requesting loans, keeping records, and preparing reports on ILL activity. The software communicates with DOCLINE, the automated ILL and referral system of the National Library of Medicine (NLM), and simplifies the management of all borrowing and lending, regardless of how requests are transmitted. QuickDOC's creator is very responsive to suggestions from users and continues to enhance the capabilities of this excellent software package.

  4. Service Quality: An Unobtrusive Investigation of Interlibrary Loan in Large Public Libraries in Canada.

    Science.gov (United States)

    Hebert, Francoise

    1994-01-01

    Describes a study that investigated the quality of interlibrary loan services in Canadian public libraries from the library's and the user's perspectives and then compared results. Measures of interlibrary loan performance are reviewed; an alternative conceptualization of service quality is discussed; and SERVQUAL, a measure of service quality, is…

  5. Helping Patrons Find Locally Held Electronic Resources: An Interlibrary Loan Perspective

    Science.gov (United States)

    Johnston, Pamela

    2016-01-01

    The University of North Texas Libraries provide extensive online access to academic journals through major vendor databases. As illustrated by interlibrary loan borrowing requests for items held in our databases, patrons often have difficulty navigating the available resources. In this study, the Interlibrary Loan staff used data gathered from the…

  6. Metropolitan Detroit's network. An analysis of interlibrary loan in Metropolitan Detroit.

    Science.gov (United States)

    Smith, J M

    1968-07-01

    Interlibrary loan activity of Metropolitan Detroit's biomedical network is under continual scrutiny. Published results include a review of interlibrary loan literature, six months analyses of document flow and retrieval, and of clientele, and cost of lending and borrowing operations to both resource and hospital libraries.

  7. Interlibrary Loan Requests for Locally Available Materials: WorldCat Local's Impact

    Science.gov (United States)

    Gaffney, Megan

    2012-01-01

    Several studies have researched the reasons and patterns for academic library users' interlibrary loan requests for materials already available at their college or university library. This study examines interlibrary loan statistics at the University of Delaware for four academic years to determine whether WorldCat Local impacts requests for…

  8. Metropolitan Detroit's Network An Analysis of Interlibrary Loan in Metropolitan Detroit *

    Science.gov (United States)

    Smith, Joan M. B.

    1968-01-01

    Interlibrary loan activity of Metropolitan Detroit's biomedical network is under continual scrutiny. Published results include a review of interlibrary loan literature, six months analyses of document flow and retrieval, and of clientele, and cost of lending and borrowing operations to both resource and hospital libraries. PMID:5665972

  9. The National Library of Medicine and interlibrary loan.

    Science.gov (United States)

    Cassidy, T R

    1967-10-01

    The National Library of Medicine was a pioneer in the development of the interlibrary loan system. In 1957, the Library instituted the policy of combining loan and photocopy which it follows to this day. There has been a steady rise in the demand for photocopies from the NLM; hence, the advantage of making fuller use of local resources before approaching NLM is stressed. The criteria the Library observes to strike a balance between the national public interest expressed in the Library's statutory mission, and private interests protected by the Copyright Act, are described; but NLM will always be obliged to provide materials difficult to obtain elsewhere. Developing programs under the Medical Library Assistance Act should have considerable impact on the local availability of medical library resources.

  10. The National Library of Medicine and Interlibrary Loan *

    Science.gov (United States)

    Cassidy, Thomas R.

    1967-01-01

    The National Library of Medicine was a pioneer in the development of the interlibrary loan system. In 1957, the Library instituted the policy of combining loan and photocopy which it follows to this day. There has been a steady rise in the demand for photocopies from the NLM; hence, the advantage of making fuller use of local resources before approaching NLM is stressed. The criteria the Library observes to strike a balance between the national public interest expressed in the Library's statutory mission, and private interests protected by the Copyright Act, are described; but NLM will always be obliged to provide materials difficult to obtain elsewhere. Developing programs under the Medical Library Assistance Act should have considerable impact on the local availability of medical library resources. PMID:6072957

  11. Procedures for EPA Libraries to Obtain Materials through Interlibrary Loan/Document Delivery

    Science.gov (United States)

    The purpose of this document is to establish Agency-wide procedures by which EPA libraries obtain materials for Agency employees and authorized EPA contractors through interlibrary loan (ILL) and other document delivery methods.

  12. Pay-per-view in interlibrary loan: a case study.

    Science.gov (United States)

    Brown, Heather L

    2012-04-01

    Can purchasing articles from publishers be a cost-effective method of interlibrary loan (ILL) for libraries owing significant copyright royalties? The University of Nebraska Medical Center's McGoogan Library of Medicine provides the case study. Completed ILL requests that required copyright payment were identified for the first quarter of 2009. The cost of purchasing these articles from publishers was obtained from the publishers' websites and compared to the full ILL cost. A pilot period of purchasing articles from the publisher was then conducted. The first-quarter sample data showed that approximately $500.00 could have been saved if the articles were purchased from the publisher. The pilot period and continued purchasing practice have resulted in significant savings for the library. Purchasing articles directly from the publisher is a cost-effective method for libraries burdened with high copyright royalty payments.

  13. A comparison of interlibrary loan requests received by the National Library of Medicine: 1959 and 1984.

    Science.gov (United States)

    Lacroix, E M; Dutcher, G A

    1987-01-01

    In 1962, an analysis of interlibrary loan requests for serials filled by NLM in 1959 was published. In the twenty-five years following 1959, important changes occurred in the biomedical library community, which had a significant impact on interlibrary loan activities, including the development of MEDLARS and online searching, the Regional Medical Library (RML) network, and union listing for serials. To describe NLM's current interlibrary loan request traffic for serials and to identify any significant changes in traffic between 1959 and 1984, a comparative analysis of 1984 serial loan requests was performed, primarily by manipulation of automated request records. The changes in request traffic strongly suggest that the efforts to strengthen regional document delivery through the RML program have been successful and that NLM's collection is now used primarily as a last resort.

  14. Collection development using interlibrary loan borrowing and acquisitions statistics.

    Science.gov (United States)

    Byrd, G D; Thomas, D A; Hughes, K E

    1982-01-01

    Libraries, especially those supporting the sciences, continually face the problem of selecting appropriate new books for their users. Traditional collection development techniques include the use of librarian or user subject specialists, user recommendations, and approval plans. These methods of selection, however, are most effective in large libraries and do not systemically correlate new book purchases with the actual demands of users served. This paper describes a statistical method for determining subject strengths and weaknesses in a library book collection in relation to user demand. Using interlibrary loan borrowing and book acquisition statistics gathered for one fiscal year from three health sciences libraries, the authors developed a way to graph the broad and narrow subject fields of strength and potential weakness in a book collection. This method has the advantages of simplicity, speed of implementation, and clarity. It can also be used over a period of time to verify the success or failure of a collection development program. Finally, the method has potential as a tool for use by two or more libraries seeking to improve cooperative collection development in a network or consortium.

  15. A journal cancellation survey and resulting impact on interlibrary loan.

    Science.gov (United States)

    Nash, Jacob L; McElfresh, Karen R

    2016-10-01

    The research describes an extensible method of evaluating and cancelling electronic journals during a budget shortfall and evaluates implications for interlibrary loan (ILL) and user satisfaction. We calculated cost per use for cancellable electronic journal subscriptions (n=533) from the 2013 calendar year and the first half of 2014, cancelling titles with cost per use greater than $20 and less than 100 yearly uses. For remaining titles, we issued an online survey asking respondents to rank the importance of journals to their work. Finally, we gathered ILL requests and COUNTER JR2 turnaway reports for calendar year 2015. Three hundred fifty-four respondents completed the survey. Because of the level of heterogeneity of titles in the survey as well as respondents' backgrounds, most titles were reported to be never used. We developed criteria based on average response across journals to determine which to cancel. Based on this methodology, we cancelled eight journals. Examination of ILL data revealed that none of the cancelled titles were requested with any frequency. Free-text responses indicated, however, that many value free ILL as a suitable substitute for immediate full-text access to biomedical journal literature. Soliciting user feedback through an electronic survey can assist collections librarians to make electronic journal cancellation decisions during slim budgetary years. This methodology can be adapted and improved upon at other health sciences libraries.

  16. Research Collections and Digital Information: Will There Be a Role for Interlibrary Loan and Document Delivery Services?

    Science.gov (United States)

    Jackson, Mary E.

    2000-01-01

    Considers the role of interlibrary loan and document delivery services in support of research collections and digital information. Highlights include current practices; licensing as it relates to interlibrary loan in the digital environment; distance education; the role of consortia; technical infrastructure; and archival retention versus…

  17. Interlibrary loan in primary access libraries: challenging the traditional view

    Science.gov (United States)

    Dudden, Rosalind Farnam; Coldren, Sue; Condon, Joyce Elizabeth; Katsh, Sara; Reiter, Catherine Morton; Roth, Pamela Lynn

    2000-01-01

    Introduction: Primary access libraries serve as the foundation of the National Network of Libraries of Medicine (NN/LM) interlibrary loan (ILL) hierarchy, yet few published reports directly address the important role these libraries play in the ILL system. This may reflect the traditional view that small, primary access libraries are largely users of ILL, rather than important contributors to the effectiveness and efficiency of the national ILL system. Objective: This study was undertaken to test several commonly held beliefs regarding ILL system use by primary access libraries. Hypotheses: Three hypotheses were developed. H1: Colorado and Wyoming primary access libraries comply with the recommended ILL guideline of adhering to a hierarchical structure, emphasizing local borrowing. H2: The closures of two Colorado Council of Medical Librarians (CCML) primary access libraries in 1996 resulted in twenty-three Colorado primary access libraries' borrowing more from their state resource library in 1997. H3: The number of subscriptions held by Colorado and Wyoming primary access libraries is positively correlated with the number of items they loan and negatively correlated with the number of items they borrow. Methods: The hypotheses were tested using the 1992 and 1997 DOCLINE and OCLC data of fifty-four health sciences libraries, including fifty primary access libraries, two state resource libraries, and two general academic libraries in Colorado and Wyoming. The ILL data were obtained electronically and analyzed using Microsoft Word 98, Microsoft Excel 98, and JMP 3.2.2. Results: CCML primary access libraries comply with the recommended guideline to emphasize local borrowing by supplying each other with the majority of their ILLs, instead of overburdening libraries located at higher levels in the ILL hierarchy (H1). The closures of two CCML primary access libraries appear to have affected the entire ILL system, resulting in a greater volume of ILL activity for the

  18. Interlibrary loan in primary access libraries: challenging the traditional view.

    Science.gov (United States)

    Dudden, R F; Coldren, S; Condon, J E; Katsh, S; Reiter, C M; Roth, P L

    2000-10-01

    Primary access libraries serve as the foundation of the National Network of Libraries of Medicine (NN/LM) interlibrary loan (ILL) hierarchy, yet few published reports directly address the important role these libraries play in the ILL system. This may reflect the traditional view that small, primary access libraries are largely users of ILL, rather than important contributors to the effectiveness and efficiency of the national ILL system. This study was undertaken to test several commonly held beliefs regarding ILL system use by primary access libraries. Three hypotheses were developed. HI: Colorado and Wyoming primary access libraries comply with the recommended ILL guideline of adhering to a hierarchical structure, emphasizing local borrowing. H2: The closures of two Colorado Council of Medical Librarians (CCML) primary access libraries in 1996 resulted in twenty-three Colorado primary access libraries' borrowing more from their state resource library in 1997. H3: The number of subscriptions held by Colorado and Wyoming primary access libraries is positively correlated with the number of items they loan and negatively correlated with the number of items they borrow. The hypotheses were tested using the 1992 and 1997 DOCLINE and OCLC data of fifty-four health sciences libraries, including fifty primary access libraries, two state resource libraries, and two general academic libraries in Colorado and Wyoming. The ILL data were obtained electronically and analyzed using Microsoft Word 98, Microsoft Excel 98, and JMP 3.2.2. CCML primary access libraries comply with the recommended guideline to emphasize local borrowing by supplying each other with the majority of their ILLs, instead of overburdening libraries located at higher levels in the ILL hierarchy (H1). The closures of two CCML primary access libraries appear to have affected the entire ILL system, resulting in a greater volume of ILL activity for the state resource library and other DOCLINE libraries higher

  19. A Review of the Literature of Interlibrary Loan, Document Delivery, and Resources Sharing, 1995-2000.

    Science.gov (United States)

    Sapp, Gregg; Brunswick, John R.

    2002-01-01

    Surveys the literature from 1995 through 2002 related to interlibrary loan and document delivery services in libraries. Topics addressed include reference sources; national and international initiatives; theory, management, and practice; document delivery; resource sharing; and copyright and licensing. (Contains 228 references.) (Author/LRW)

  20. Reference as an Access Service: Collaboration between Reference and Interlibrary Loan Departments

    Science.gov (United States)

    Kern, M. Kathleen; Weible, Cherie L.

    2005-01-01

    Academic libraries increasingly rely on Interlibrary Loan (ILL) departments to obtain research materials. This adds to the workload of ILL at a time when many libraries are experiencing budget cuts and dwindling staff. Collaboration between ILL and Reference can assist ILL by providing searching expertise. Collaboration is facilitated by the…

  1. An Interview Forum on Interlibrary Loan/Document Delivery with Lynn Wiley and Tom Delaney

    Science.gov (United States)

    Hasty, Douglas F.

    2003-01-01

    The Virginia Boucher-OCLC Distinguished ILL Librarian Award is the most prestigious commendation given to practitioners in the field. The following questions about ILL were posed to the two most recent recipients of the Boucher Award: Tom Delaney (2002), Coordinator of Interlibrary Loan Services at Colorado State University and Lynn Wiley (2001),…

  2. Illiad, Rapid, and an Unmediated Solution to the Interlibrary Loan Textbook Dilemma

    Science.gov (United States)

    McNeil, Erika Hanson

    2017-01-01

    As the cost of textbooks rises and discoverability of resources improves, students are turning more and more to interlibrary loan to meet their textbook needs. This article describes how systems can be utilized to streamline processes and allow for the canceling of textbook requests consistently and appropriately by taking full advantage of the…

  3. Interlibrary Loan Article Use and User GPA: Findings and Implications for Library Services

    Science.gov (United States)

    Scott, Mitchell

    2014-01-01

    A recent institutional study at the University of Wisconsin-Green Bay investigated the academic achievement of interlibrary loan (ILL) users as compared to non-ILL users. While this study provided important local insight into ILL use and the demographics of ILL users (class rank, major), it uncovered a rather minor overall GPA difference, 0.20 GPA…

  4. Interlibrary loan of audiovisual materials in the health sciences: how a system operates in New Jersey.

    Science.gov (United States)

    Crowley, C M

    1976-10-01

    An audiovisual loan program developed by the library of the College of Medicine and Dentistry of New Jersey is described. This program, supported by an NLM grant, has circulated audiovisual software from CMDNJ to libraries since 1974. Project experiences and statistics reflect the great demand for audiovisuals by health science libraries and demonstrate that a borrowing system following the pattern of traditional interlibrary loan can operate effectively and efficiently to serve these needs.

  5. Criteria-based evaluation of group 3 level memory telefacsimile equipment for interlibrary loan.

    Science.gov (United States)

    Bennett, V M; Wood, M S; Malcom, D L

    1990-04-01

    The Interlibrary Loan, Document Delivery, and Union List Task Force of the Health Sciences Libraries Consortium (HSLC)--with nineteen libraries located in Philadelphia, Pittsburgh, and Hershey, Pennsylvania, and Delaware--accepted the charge of evaluating and recommending for purchase telefacsimile hardware to further interlibrary loan among HSLC members. To allow a thorough and scientific evaluation of group 3 level telefacsimile equipment, the task force identified ninety-six hardware features, which were grouped into nine broad criteria. These features formed the basis of a weighted analysis that identified three final candidates, with one model recommended to the HSLC board. This article details each of the criteria and discusses features in terms of library applications. The evaluation grid developed in the weighted analysis process should aid librarians charged with the selection of level 3 telefacsimile equipment.

  6. Use of group 3-level memory telefacsimiles for enhanced interlibrary loan, part II: Network application.

    Science.gov (United States)

    Bennett, V M; Dell, E Y

    1993-07-01

    The Interlibrary Loan, Document Delivery, and Union List Task Force of the Health Sciences Libraries Consortium (HSLC) accepted the charge of maximizing use of the advanced features of group 3-level memory telefacsimiles. A pilot project was initiated to address the task force's recommendation to the HSLC Board that all nonrush interlibrary loan (ILL) documents be transmitted to participants within forty-eight hours of request receipt. This paper describes the project, which tests a network application for unattended, overnight transmission of documents. In determining whether this technology could be used as the primary medium for ILL of photocopies, the following criteria were used: the percentage of ILL requests filled by telefacsimile; the speed, quality, and reliability of service; and the impact of telefacsimile on document delivery costs. The article discusses the project history, optimal use of equipment features for library applications, full-scale implementation, and operational issues that affect ILL policy.

  7. Electronic document delivery: directing interlibrary loan traffic through multiple electronic networks.

    Science.gov (United States)

    Weaver, C G

    1984-04-01

    The University of Nebraska Medical Center (UNMC) uses five different electronic networks for interlibrary loan (ILL) request transmission. The advantages and problems of using electronic networks for ILL request transmission are discussed. Advantages include speed of request transmission, improved capabilities for locating documents, lower labor costs, improved turnaround time, and production of user reports and statistics. Disadvantages include increased work load, additional staff training, coordination of non-standard networks, determining access protocols, and establishing priorities for handling requests.

  8. The effect of DOCLINE on interlibrary loan volume and patterns among health sciences libraries in Michigan: preliminary analysis.

    Science.gov (United States)

    McGaugh, D L

    1990-04-01

    Six years of statistics on interlibrary lending and borrowing among basic unit health sciences libraries in Michigan are examined to determine the effect of the availability of an automated interlibrary loan system, DOCLINE, on interlibrary lending volume and patterns within Michigan. A trend analysis projection of expected volume is made and the predicted value compared with the actual value following the adoption of the DOCLINE system. Interlibrary loan (ILL) volume is tested to see if yearly volume increases are statistically significant. The number of libraries changing from net lender to net borrower or the reverse after the adoption of DOCLINE is tracked. Results fail to support the expectation that DOCLINE would produce major change in ILL volume or pattern.

  9. Impact of DOCLINE on interlibrary loan service at the National Library of Medicine.

    Science.gov (United States)

    Lacroix, E M; Dutcher, G A

    1989-01-01

    In March 1985, the National Library of Medicine (NLM) began implementation of DOCLINE, its automated interlibrary loan request routing and referral system. By the end of fiscal year (FY) 1987, over 1,400 biomedical libraries in all seven regions of the Regional Medical Library network were using the system. This report summarizes the findings of an analysis of the interlibrary loan (ILL) requests received in FY 1987, comparing the results with a similar analysis done in FY 1984 to describe any changes in the requests or service which might be attributable to DOCLINE implementation. DOCLINE has had a substantial impact upon ILL loan service at NLM. An increase in the number of ILL requests (35% over FY 1984) can be attributed to the speed and ease with which requests may be routed to NLM through DOCLINE. Requests which cannot be filled by local or regional libraries are automatically routed by the system to NLM as the library of last resort. NLM's fill rate for serial requests has declined, however, from 78% filled in FY 1984 to 67% filled in FY 1987. Some of the decline results from the 11,000 requests that NLM did not fill because the borrowing libraries were not willing to pay the NLM charge for filling the loans.

  10. Economics of access versus ownership the costs and benefits of access to scholarly articles via interlibrary loan and journal subscriptions

    CERN Document Server

    Kingma, Bruce

    2013-01-01

    The Economics of Access Versus Ownership offers library professionals a model economic analysis of providing access to journal articles through interlibrary loan as compared to library subscriptions to the journals. This model enables library directors to do an economic analysis of interlibrary loan and collection development in their own libraries and to then make cost-efficient decisions about the use of these services.This practical book's analysis and conclusions are based on 1994/95 academic year research conducted by the State University of New York libraries at Albany, Binghamton, Buffa

  11. Activity of the Interlibrary Loan and Document Delivery Service, CERN Library 1996

    CERN Document Server

    Mornati, Susanna

    1996-01-01

    In one year the activity of the Interlibrary Loan and Document Delivery Service at the CERN Library has substantially changed. The dramatic growth of the demand, by 100%, shows the success achieved by ILL staff, as well as the steadily growing needs of CERN users.Staff skills have improved in computing, database searching, exploitation of Internet resources, and chasing of information and document suppliers.Statistics from the most recent data show some peculiar aspects of ILL-DD services in a High Energy Physics laboratory, for instance with respect to the age of the documents requested, the type of patrons, and the arduous coverage of special literature.

  12. Supporting the Distance Learning Community with Interlibrary Loan and Collection Management at the University of Florida Libraries

    Science.gov (United States)

    Davis, Valrie; Foss, Michelle

    2009-01-01

    An overview of the ways in which interlibrary loan and document delivery statistics can assist in collection building and refinement. Included are how statistics can assist in the purchasing of new books and journals, in format selection and the purchase of backfiles, and how they assist in journal cuts and the selection of print materials to be…

  13. Interlibrary loan in U.S. health sciences libraries: journal article use.

    Science.gov (United States)

    Lacroix, E M

    1994-10-01

    Health sciences libraries in the United States use the National Library of Medicine (NLM) DOCLINE system to request more than two million items annually through interlibrary loan (ILL). Ninety-seven percent of all ILL requests are for journal articles. In this study, NLM analyzed four million ILL requests entered into the DOCLINE system during two twelve-month periods ending September 30, 1992. The requests were analyzed at both the journal title level and article level. Data for the two years were found to be remarkably similar. Results showed that a large number of journals are required to fill ILL requests and that there is a relatively low number of repeat requests for most journal articles. Seventy-six percent of journal articles analyzed were requested only once, and fewer than 1% were requested more than ten times. About 39% of journals used to fill ILL requests were indexed in MEDLINE at some time, while 84% of the articles supplied were indexed in MEDLINE. Ninety-two percent of articles supplied were from English-language journals. Sixty-seven percent of articles were published in the most recent five years, and 85% in the most recent ten years. The 100 most frequently requested articles for each of the two years were examined to determine characteristics such as language, where they were indexed, and the subject matter. This study has provided valuable information for planning of NLM's interlibrary document delivery services and also should have significance for libraries and other organizations involved in document delivery.

  14. Analysis of external and internal interlibrary loan requests: aid in collection management.

    Science.gov (United States)

    Bleeker, A; Tjiam, I A; Volkers, A C; Smith-Bogers, J

    1990-10-01

    The analysis of 60,779 external interlibrary loan requests for copies of periodical articles from the collection of Erasmus University Medical Library in 1988 is described. The study was used for planning the length of backruns to be retained due to space limitations that forced the disposal of older volumes. More than 50% of requests were for the most recent two-year period, and 90% of requests could be filled with a twenty-year run of periodicals. In 1989, 4,157 internal requests were received for periodicals not owned; these were analyzed to determine those most commonly requested. Prior to subscribing, new titles were reviewed as to price, bibliometric indicators, number of requests, length of backfile, and the number of requesting departments. The Library Advisory Board decides on cancellation or purchase of periodicals; the elements considered are described.

  15. The National Library of Medicine's services: initial observations on indexing, interlibrary loan, and reference.

    Science.gov (United States)

    Langner, M C

    1967-01-01

    How have the three services-indexing, reference (including history of medicine), and interlibrary loan-been provided throughout the years by NLM, and how have they been used? At the present time of great growth and development, the use of the computer has influenced these services and will continue to figure prominently in plans for the future. NLM's services often have not been well or correctly used by its public, even by librarians. Some of its services, however, need to be provided in more depth and on a higher scale, and they should be publicized more widely. History shows that NLM has been faithful to its basic charge and has gone far beyond it in its service to the medical, educational, and library communities. Medical librarians are most fortunate that such a great national resource exists to provide materials and services to fulfill the needs of their libraries.

  16. A Study on the Assessment of Service Quality of Interlibrary Loan

    Directory of Open Access Journals (Sweden)

    Mei-Ling Wang

    2016-12-01

    Full Text Available Interlibrary Loan (ILL is the sharing of materials among libraries across town or across the globe. User satisfaction and service quality measurement helps us understand how library patrons have used the service and how they perceive the value of the service. The objective of this study is to compare the expected and perceived service levels from the ILL users’ perspective in order to ascertain the current service gap and to make improvement. A model of service quality assessment was developed for ILL service based on three focus group interviews. The measurement comprises 20 questionnaire items that represent three dimensions: service interface, content provision, and service performance of the librarian. The survey was administered to the patrons of a university library and 561 usable responses were analyzed. The result showed that 41.9% of the respondents had used ILL within a year. For those who had used the service, the average expected service level was 4.26 by a five-point Likert scale, while the perceived service level was 3.91. This shows that users did consider ILL as important, but the current service requires improvement to fully satisfy them. The study also reveals what aspects of that university’s ILL service needed improvement. [Article content in Chinese

  17. Open Access Complements Interlibrary Loan Services, but Additional User Education is

    Directory of Open Access Journals (Sweden)

    Richard Hayman

    2016-03-01

    Full Text Available Objective – To examine interlibrary loan (ILL request rates for open access (OA materials and determine how OA may affect resource sharing. This research updates the author’s previous study. Design – Quantitative analysis. Setting – A large, urban, public research university library system in the United States of America. Subjects – 1,557 open access ILL material requests among 23,531 total ILL requests submitted during the 2012 and 2013 fiscal years (July 2011-June 2013. Methods – The library has tracked and recorded OA requests that appear among ILL material requests since 2009. Using OCLC’s ILLiad software to manage ILL requests, they have implemented two custom routines. One routine is for open access searching on standard items, and uses software plugins to search across various open resources. All materials published prior to 1923 are treated as being in the public domain, so requests for these materials are automatically routed to this queue. The second custom routine is used for searching for OA electronic theses and dissertations, and is employed when the requested resource is not found in the library’s subscription resources. Other article requests are routed to the RapidILL service for open access availability. Main Results – The research presented reveals that ILL requests for OA materials exhibited a steady increase year over year, while overall ILL requests decreased slightly. This finding is true both for the fiscal years reported in this study and also the years since the author’s original study in 2011 (Baich, 2012. Of the 1,557 OA requests examined, 72% (n=1,135 were for journal articles, 8% (n=125 were for books or book chapters, 9% (n=140 were for theses or dissertations, 3% (n=54 were for conference papers, and 7% (n=105 were for reports. Library staff typically fill these article requests using gold OA or green OA sources. The researcher notes the difficulty in refining by source, though confirmed that

  18. Cancelled requests:a study of interlibrary loan requests for items held in a medical library collection.

    Science.gov (United States)

    O'Brien, Kevin

    2004-01-01

    This paper presents the results of a study to document and analyze a sample of interlibrary loan requests received from library patrons of an academic medical library for items that are actually held in the collection of the library. This category is referred to as cancelled requests. The purpose of the study was to attempt to measure the degree to which library patrons are not making the best possible use of the collection and understand why this was taking place. Suggestions are presented for steps to lower the cancellation rate.

  19. Interlibrary loan in US and Canadian health sciences libraries 2005: update on journal article use.

    Science.gov (United States)

    Lacroix, Eve-Marie; Collins, Maria Elizabeth

    2007-04-01

    The authors analyzed 2.48 million interlibrary loan (ILL) requests entered in the National Library of Medicine's (NLM's) DOCLINE system from 3,234 US and Canadian medical libraries during fiscal year (FY) 2005 to study their distribution and nature and the journals in which requested articles were published. Data from DOCLINE and NLM's indexing system and online catalog were used to analyze all DOCLINE ILL transactions acted on from October 2004 to September 2005. The authors compared results from this analysis to previous data collected in FY 1992. Overall ILL volume in the United States and Canada is at about the same level as FY 1992 despite marked growth in online searching, knowledge discovery tools, and journals available online. Over 21,000 unique journal titles and 1.4 million unique articles were used to fill 2.2 million ILL requests in FY 2005. Over 1 million of the articles were requested only once by any network library. Fifty-two percent (11,022) of journals had 5 or fewer requests for articles from all the years of a journal by all libraries in the network. Fifty-two percent of the articles requested were published within the most recent 5 years. The overall ILL profile in the libraries studied has changed little since FY 1992, notable given other changes in publishing. Small changes, however, may reveal developing trends. Total ILL traffic has been declining in recent years following a peak in 2002, and fewer of the articles requested were published in the most recent five years compared to requests from 1992.

  20. The Economics of Access versus Ownership: The Costs and Benefits of Access to Scholarly Articles via Interlibrary Loan and Journal Subscriptions.

    Science.gov (United States)

    Kingma, Bruce R.

    1998-01-01

    Describes a study of State University of New York libraries that determined the cost effectiveness of journal ownership versus access by calculating financial costs of interlibrary loan versus subscriptions. Journal subscriptions in the fields of mathematics and sciences that historically have high prices and low levels of use were studied. (LRW)

  1. A national survey of UK health libraries investigating the cost of interlibrary loan services and assessing the accessibility to key orthopaedic journals.

    Science.gov (United States)

    Tahim, Arpan; Stokes, Oliver; Vedi, Vikas

    2012-06-01

     NHS Library Services are utilised by NHS staff and junior trainees to locate scientific papers that provide them with the evidence base required for modern medical practice. The cost of accessing articles can be considerable particularly for junior trainees.  This survey looks at variations in cost of journal article loans and investigates access to particular orthopaedic journals across the country.  A national survey of UK Health Libraries was performed. Access to and costs of journals and interlibrary loan services were assessed. Availability of five wide-reaching orthopaedic journals was investigated.  Seven hundred and ten libraries were identified. One hundred and ten libraries completed the questionnaire (16.7%). Of these, 96.2% reported free access to scientific journals for users. 99.1% of libraries used interlibrary loan services with 38.2% passing costs on to the user at an average of £2.99 per article. 72.7% of libraries supported orthopaedic services. Journal of Bone and Joint Surgery (British) had greatest onsite availability.  The study demonstrates fluctuations in cost of access to interlibrary loan services and variation in access to important orthopaedic journals. It provides a reflection of current policy of charging for the acquisition of medical evidence by libraries in the UK. © 2012 The authors. Health Information and Libraries Journal © 2012 Health Libraries Group.

  2. Obtaining Journal Titles via Big Deals Most Cost Effective Compared to Individual Subscriptions, Pay-Per-View, and Interlibrary Loan.

    Directory of Open Access Journals (Sweden)

    Kathleen Reed

    2016-03-01

    Full Text Available Objective – To determine if “Big Deal” journal subscription packages are a cost-effective way to provide electronic journal access to academic library users versus individual subscriptions, pay-per-view, and interlibrary loans (ILL. Design – Cost-per-article-use analysis. Setting – Public research university in the United States of America. Subjects – Cost-per-use data from 1 journals in seven Big Deal packages, 2 individually subscribed journals, 3 pay-per-view from publishers’ websites, and 4 interlibrary loans. Methods – The authors determined cost-per-use for Big Deal titles by utilizing COUNTER JR1 metric Successful Full-Text Article Request (SFTAR reports. Individual journal subscription cost-per-use data were obtained from individual publishers or platforms. Pay-per-view cost was determined by recording the price listed on publishers’ websites. ILL cost-per-use was established by reviewing cost-per-article obtained from libraries outside of reciprocal borrowing agreement networks. With the exception of pay-per-view numbers, title cost-per-use was averaged over a three-year period from 2010 through 2012. Main Results – Cost-per-article use for journals from Big Deals varied from $2.11 to $9.42. For individually subscribed journals, the average cost-per-article ranged from $0.25 to $84.00. Pay-per-view charges ranged from $15.00 to $80.00, with an average cost of $37.72. Conclusion – The authors conclude that Big Deals are cost effective, but that they consume such a large amount of funds that they limit the purchase of other resources. The authors go on to outline the options for libraries thinking about Big Deal packages. First, libraries should keep Big Deal packages in place if the average cost-per-article is less than individual subscriptions. Second, libraries could subscribe only to the most-used journals in Big Deals, cancel the packages, and rely on ILL and pay-per-view access. Third, consortia could be joined

  3. The National Library of Medicine's Services: Initial Observations on Indexing, Interlibrary Loan, and Reference *

    Science.gov (United States)

    Langner, Mildred Crowe

    1967-01-01

    How have the three services—indexing, reference (including history of medicine), and interlibrary loan—been provided throughout the years by NLM, and how have they been used? At the present time of great growth and development, the use of the computer has influenced these services and will continue to figure prominently in plans for the future. NLM's services often have not been well or correctly used by its public, even by librarians. Some of its services, however, need to be provided in more depth and on a higher scale, and they should be publicized more widely. History shows that NLM has been faithful to its basic charge and has gone far beyond it in its service to the medical, educational, and library communities. Medical librarians are most fortunate that such a great national resource exists to provide materials and services to fulfill the needs of their libraries. PMID:6016365

  4. E-books and interlibrary loan an academic centric model for lending

    CERN Document Server

    Vigen, Jens

    2003-01-01

    Ironically, digitally born documents do not fit into existing frameworks of interlibrary lending. In most cases this is because publishers consider them too easy to exchange. In practice, this means that digital documents are often being printed and scanned before being shipped off to a requesting library. This system of circumvention is inefficient - at many levels - and generates a vast pool of activity from which neither authors nor publishers benefit. With the changing paradigm of document delivery, publishers of electronic journals are trying to get their share of the market by offering articles on a 'pay-as-you-go' basis, though at rates many times greater to what is being offered by document delivery services operated by libraries. Instead of joining forces in the digital era, libraries and publishers are fighting a battle which is sometimes described by librarians as the fight between the Good and the Evil. However, new models are emerging which leave room for both library and publisher in the future ...

  5. Automatisierte Artikelbestellverwaltung: Doctor-Doc – ein bibliothekarisches Verwaltungswerkzeug / Automation in Interlibrary Loan: Doctor-Doc – a tool for librarians

    Directory of Open Access Journals (Sweden)

    Fischer, Markus

    2010-05-01

    Full Text Available Interlibrary loan has always been an important service to supplement own library holdings.To organize and standardize the order process of journal articles for 6 hospitals, we did create an online tool for the Solothurner Spitäler AG. The resulting application is available for libraries free of charge under http://www.doctor-doc.com/. The application is maintained and will be further developed by an association founded specially for this purpose. Doctor-Doc is not a supplier of articles, but rather a platform to organize orders at existing suppliers like Subito, British Library or any other supplying libraries. Doctor-Doc is OpenURL compliant and is able to resolve identifiers like PMIDs. In combination with an existing account from the german EZB, libraries can use the application as a linkresolver.The application has become an essential tool to efficiently manage interlibrary loan for the Solothurner Spitäler AG. The tool is also used by many libraries in Germany and Switzerland.

  6. Electronic Journals Appear to Reduce Interlibrary Lending in Academic Libraries. A review of: Wiley, Lynn and Tina E. Chrzastowski. A. “The Impact of Electronic Journals on Interlibrary Lending: A Longitudinal Study of State‐Wide Interlibrary Loan Article Sharing in Illinois.” Library Collections, Acquisitions & Technical Services 29.4 (Dec. 2005: 364‐81.

    Directory of Open Access Journals (Sweden)

    John Loy

    2007-03-01

    Full Text Available Objective – To determine the impact of electronic journals on interlibrary loan (ILL activity. The hypothesis predicted that ILL requests would fall by approximately 10% during a four‐year period, that e‐journal use would increase by 10% per year and that there would be a correlation between the two.Design – Longitudinal data analysis of interlibrary loans over an eight year period from 1995 to 2003. The second part of the study is a retrospective data analysis of ejournal use from 2001‐2005.Setting – The 26 largest libraries in the state of Illinois, USA; all but the Chicago Public Library are academic institutions.Subjects –1. Journal article photocopy requests originating in the 26 libraries divided into three data sets: 1995/96, 1999/00 and 2002/03. 2. Electronic journal usage statistics from 25 libraries subscribing to packages within the EBSCOhost database for the fiscal years 2001‐2005.Methods –A retrospective analysis was conducted using interlibrary loan data for journal article photocopy requests either originating from or being satisfied by the 26 libraries in the study. It examined the data in three ways: the 26 libraries together, requests sent to libraries in the state of Illinois excluding the 26, and requests using libraries outside the state. The second part of the study examines usage data of electronic journals available in 25 of the 26 libraries.Main results – In the period from 1999 to 2003 a reduction in ILL requests of nearly 26% was observed within the participating 26 libraries. Analysis by broad subject discipline demonstrates that social sciences and sciences show the largest drop in requests – a 25% decrease from 1995‐2003. The number of requests from an individual journal title drops significantly in science by 34% within the state and by 37% for out‐of‐state requests. While the humanities actually showed an increase in the number of requests, the large increase in out

  7. Inter-library Service Brokerage in LicenseScript

    NARCIS (Netherlands)

    Chong, C.N.; Etalle, Sandro; Hartel, Pieter H.; Joosten, Rieks; Kleinhuis, Geert

    Inter-library loan involves interaction among a dynamic number of digital libraries and users. Therefore, inter-library service management is complex. We need to handle different and conflicting requirements of services from the digital libraries and users. To resolve this problem, we present the

  8. Interlibrary Loan Rates for Academic Libraries in the United States of America Have Increased Despite the Availability of Electronic Databases, but Fulfilment Rates Have Decreased. A Review of: Williams, J. A., & Woolwine, D. E. (2011. Interlibrary loan in the United States: An analysis of academic libraries in a digital age. Journal of Interlibrary Loan, Document Delivery & Electronic Reserve, 21(4, 165-183. doi: 10.1080/1072303X.2011.602945

    Directory of Open Access Journals (Sweden)

    Kathryn Oxborrow

    2012-12-01

    Full Text Available Objectives – To determine the number of interlibrary loan (ILL requests in academiclibraries in the United States of America over the period 1997-2008, and how various factors have influenced these rates. These factors included electronic database subscriptions,size of print journal and monograph collections, and the presence of link resolvers.Data were collected from libraries as both lenders and borrowers. The study also lookedat whether the number of professional staff in an ILL department had changed during theperiod studied, and whether ILL departments led by a professional librarian correlated positively with rates of ILL.Design – Online questionnaire.Setting – Academic library members of the Online Computer Library Center (OCLC ILL scheme in the United States of America.Subjects – A total of 442 academic library members of the OCLC ILL scheme.Methods – An electronic questionnaire was sent to 1433 academic library memberinstitutions of the OCLC ILL scheme. Datawere collected for libraries as both lending andborrowing institutions. Data were analyzed using a statistical software package,specifically to calculate Spearman’s rank correlations between the variables and rates of ILL.Main Results – Responses to the electronic questionnaire were received from 442 (31% academic libraries. There was an overall increase in the number of ILL requests in the period 1997-2008. The number of ILL requests which were unfulfilled also increased during this period. There was a positive correlation between rates of ILL and all of the variables investigated, with the strongest correlations with size of print monograph collections and size of print journal collections. The numbers of staff in ILL departments remained relatively static during the period covered by the study, although the majority of staff working in ILL was composed of paraprofessionals. There was a weak positive correlation between numbers of ILL requests and whether ILL

  9. Study Fails to Link ILL Usage Patterns to Liaison Activities. A Review of: Leykam, Andrew. “Exploring Interlibrary Loan Usage Patterns and Liaison Activities: The Experience at a U.S. University.” Interlending & Document Supply 36.4 (2008: 218-24.

    Directory of Open Access Journals (Sweden)

    Scott Marsalis

    2009-06-01

    Full Text Available Objective - To investigate Interlibrary Loan (ILL usage patterns, and connect them to liaison activities beyond collection development.Design – Pattern analysis of ILL requests.Setting – Library of The College of Staten Island, a mid-size, public university with predominantly undergraduate enrolment.Subjects – 4,875 identifiable requests over a three-year period.Methods – A data set of requests for ILLs of monographs over a period of three years was acquired from OCLC resource sharing statistics. This data was manually reviewed to remove duplicate records of the same request, but not multiple requests for the same item. The data included requestor status, department, publication date and subject classification of requested items.Main Results – Differences in use across user statuses and departments were identified.Conclusion – Usage Patterns can accurately illustrate trends in the borrowing behaviour of patrons, and be used to inform liaison librarians about user needs.

  10. 談全國技專校院圖書館館際合作之執行現況 | Current Interlibrary Loan Study for the Technological and Vocational Education Libraries

    Directory of Open Access Journals (Sweden)

    楊智晶 Chih-Ching Emily Yang

    1999-04-01

    only one interlibrary loan card. The services include the book sharing, duplication of the journals, reference service, and sharing of library management experiences. In this paper, we will introduce the background, contents, and implementation of this plan.

  11. The Expansion of LVIS and the Growth of OCLC Participation in Illinois: Two Models for Interlibrary Cooperation.

    Science.gov (United States)

    Schriar, Suzanne

    2000-01-01

    Discusses the use of OCLC to improve library service in Illinois and emphasizes library cooperation through LVIS (Libraries Very Interested in Sharing) and Group Access Capability (GAC) groups. Topics include interlibrary loan; union lists; resource sharing agreements; and the role of the Illinois State Library. (LRW)

  12. Time-Driven Activity-Based Costing for Inter-Library Services: A Case Study in a University

    Science.gov (United States)

    Pernot, Eli; Roodhooft, Filip; Van den Abbeele, Alexandra

    2007-01-01

    Although the true costs of inter-library loans (ILL) are unknown, universities increasingly rely on them to provide better library services at lower costs. Through a case study, we show how to perform a time-driven activity-based costing analysis of ILL and provide evidence of the benefits of such an analysis.

  13. Integer Programming Approach For Optimization Of Library Loan Policy

    Directory of Open Access Journals (Sweden)

    Hafeezullah Abdulrehman

    2017-04-01

    Full Text Available In the Library system main objective is to provide the best services to the users. The purpose of this research is to develop a library system that house implementing integrated procurement flow return and borrowing books so that the inter-library loan dealing can be done in an integrated manner with the hope to facilitate members to borrow variety of books thereby increasing library transactions. Interlibrary management system library loan policy have been formed by using integer programming technique. This paper is prepared with a view to facilitate to users with loan period and maximum number of books can be borrowed.

  14. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7... applicable, a loan term when submitting the loan application and total cost estimates. (1) For a loan with...

  15. 77 FR 3069 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2012-01-23

    ... Superintendent of Documents. #0;Prices of new books are listed in the first FEDERAL REGISTER issue of each #0... likely to have an impact of $100 million or more on the U.S. economy and thus is not a ``significant...

  16. A journal cancellation survey and resulting impact on interlibrary loan

    Directory of Open Access Journals (Sweden)

    Jacob L. Nash, MSLIS, AHIP

    2017-01-01

    Conclusions: Soliciting user feedback through an electronic survey can assist collections librarians to make electronic journal cancellation decisions during slim budgetary years. This methodology can be adapted and improved upon at other health sciences libraries.

  17. Interlibrary Loan of Audiovisuals May Bring a Lawsuit

    Science.gov (United States)

    Simpson, Carol

    2008-01-01

    Because so much information exists only in video format--from documentaries to instructional videos to entertainment films that create a significant amount of the popular culture--libraries have increased their collections of these materials. Nevertheless, no library could possibly afford to collect every item its patrons might one day request.…

  18. Impact of a Discovery System on Interlibrary Loan

    Science.gov (United States)

    Musser, Linda R.; Coopey, Barbara M.

    2016-01-01

    Web-scale discovery services such as Summon (Serial Solutions), WorldCat Local (OCLC), EDS (EBSCO), and Primo (Ex Libris) are often touted as a single search solution to connect users to library-owned and -licensed content, improving discoverability and retrieval of resources. Assessing how well these systems achieve this goal can be challenging,…

  19. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

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

  20. Interlibrary Service Requests for Locally and Electronically Available Items: Patterns of Use, Users, and Canceled Requests

    Science.gov (United States)

    Page, Jessica R.; Kuehn, Jennifer

    2009-01-01

    As the use of the Ohio State University Libraries interlibrary services has increased, there have been more requests to borrow items that are already available to patrons locally, often in electronic format. Patterns relating to why patrons could not find locally available materials were identified in the record of canceled interlibrary requests…

  1. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

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

  2. Mass Spectral Library Quality Assurance by Inter-Library Comparison

    Science.gov (United States)

    Wallace, William E.; Ji, Weihua; Tchekhovskoi, Dmitrii V.; Phinney, Karen W.; Stein, Stephen E.

    2017-04-01

    A method to discover and correct errors in mass spectral libraries is described. Comparing across a set of highly curated reference libraries compounds that have the same chemical structure quickly identifies entries that are outliers. In cases where three or more entries for the same compound are compared, the outlier as determined by visual inspection was almost always found to contain the error. These errors were either in the spectrum itself or in the chemical descriptors that accompanied it. The method is demonstrated on finding errors in compounds of forensic interest in the NIST/EPA/NIH Mass Spectral Library. The target list of compounds checked was the Scientific Working Group for the Analysis of Seized Drugs (SWGDRUG) mass spectral library. Some examples of errors found are described. A checklist of errors that curators should look for when performing inter-library comparisons is provided.

  3. OCLC book interlibrary loan in a basic-unit hospital library: one year's experience.

    Science.gov (United States)

    Landwirth, T K

    1983-04-01

    Methodist Medical Center of Illinois Medical Library, a "basic-unit" medical library (i.e., not a resource library) in the Regional Medical Library Program recently completed one year of borrowing and lending books using OCLC. Of the books successfully borrowed through OCLC, 79% were obtained from nonmedical libraries. Forming cost-sharing OCLC clusters among basic units makes OCLC an affordable alternative to borrowing books from overburdened medical resource libraries.

  4. Changing roles of the librarian and the interlibrary-loan user

    Directory of Open Access Journals (Sweden)

    Vida Močnik

    1997-01-01

    Full Text Available Increasing number of electronically stored and accessed information has its influence also on ILL-DD, on their organization and methods of work. Especially ILL departments at university libraries , which offer nowdays their support not only to study and teaching but also to selfdirected learning and distance education are confronted with many changes.This paper describes the ordering and document delivery models, the attention is focused on new ways of document supply and the new roles of user and ILL librarian are introduced. The copyright law demands new relationship between libraries, publishers and authors. The importance of library associations for the work of the ILL librarian is also mentioned.

  5. VILL - Interlibrary Loan Validator sistema de validación de préstamo interbibliotecario

    OpenAIRE

    Quiroz Gil, Nora; Blandón Alvarez, Walter

    2016-01-01

    VILL es un software de código abierto que provee herramientas para la gestión del préstamo interbibliotecario en red. Fue liberado en octubre 2016, como producto trabajo colaborativo del G8 Bibliotecas. Es liberado bajo una licencia BSD que permite a los usuarios personalizar el software según se necesite. ¿Para qué sirve? El propósito de VILL es la interconexión de bibliotecas a través del servicio de préstamo interbibliotecario, para prestar un mejor servicio a la comunidad acadé...

  6. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... youth loan applicant to submit any other information listed in paragraph (b) of this section as needed... ordering a credit report on the applicant; (12) Verification of all debts; (13) Any additional information... require a Lo-Doc applicant to submit any other information listed in paragraph (b) of this section as...

  7. Pricing for Efficiency, Equity, and Simplicity: A Model Policy for an Interlibrary Courier Service.

    Science.gov (United States)

    Gassler, Robert Scott

    1985-01-01

    Presents an example of a pricing policy for any interlibrary courier service which (1) calculates fixed, travelling, and stopping costs; (2) charges by how often the courier stops at each participating library; and (3) uses any subsidies for costs libraries cannot control. (CDD)

  8. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    Enhancing Cooperative Loan Scheme Through Automated Loan Management System. ... Financial transactions through manual system of operation are prone to errors and unimagined complexities, making it so difficult a task maintaining all entries of users account, search records of activities, handle loan deduction errors ...

  9. 中文大學圖書館中文文獻之館際互借合作 | Interlibrary Co-operation on Chinese Documents in the University Library, Chinese University of Hong

    Directory of Open Access Journals (Sweden)

    梁有貞 Yau-Ching Leung

    2000-04-01

    interlibrary loan services of the University Library, Chinese University of Hong Kong. It then focuses on the delivery of Chinese literature to the users. The difficulties in delivering Chinese literature, and the co-operation with other libraries on consortium basis is discussed. Although there are difficulties, the author expects interlibrary loan of Chinese literature would play an increasingly important role in the research and studies of the University, and in the foreseeable future, getting Chinese documents would be as easy and convenient as English documents, and interlibrary loans among Chinese libraries would be more.

     

     

  10. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

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

  11. 77 FR 38397 - Agency Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activities...

    Science.gov (United States)

    2012-06-27

    ... AFFAIRS Agency Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activities....'' SUPPLEMENTARY INFORMATION: Title: Interest Rate Reduction Refinancing Loan Worksheet, VA Form 26-8923. OMB... are required to submit VA Form 26-8923, to request a guaranty on all interest rate reduction...

  12. A Document Imaging Technique for Implementing Electronic Loan Approval Process

    Directory of Open Access Journals (Sweden)

    J. Manikandan

    2015-04-01

    Full Text Available The image processing is one of the leading technologies of computer applications. Image processing is a type of signal processing, the input for image processor is an image or video frame and the output will be an image or subset of image [1]. Computer graphics and computer vision process uses an image processing techniques. Image processing systems are used in various environments like medical fields, computer-aided design (CAD, research fields, crime investigation fields and military fields. In this paper, we proposed a document image processing technique, for establishing electronic loan approval process (E-LAP [2]. Loan approval process has been tedious process, the E-LAP system attempts to reduce the complexity of loan approval process. Customers have to login to fill the loan application form online with all details and submit the form. The loan department then processes the submitted form and then sends an acknowledgement mail via the E-LAP to the requested customer with the details about list of documents required for the loan approval process [3]. The approaching customer can upload the scanned copies of all required documents. All this interaction between customer and bank take place using an E-LAP system.

  13. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... This makes it user-friendly and highly interactive. The Object Modeling. Technique (OMT) is adopted for the analysis and design of the Loan Software. Interactions with operators and stakeholders and thorough observation of records of activities/events of time, aided the gathering of the required information.

  14. Loans for Learning. Briefing Note

    Science.gov (United States)

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

    2011-01-01

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

  15. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... IV debt. DATES: We must receive your comments on or before August 16, 2012. ADDRESSES: Submit your... enrollment and rising tuition has contributed to a significant increase in student loan debt among Americans. The ability of recent college graduates to find immediate employment with wages adequate enough to...

  16. Does faster loan growth lead to higher loan losses?

    OpenAIRE

    William R. Keeton

    1999-01-01

    During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce loan rates and ease credit standards to obtain new business. Others argue that as the economic expansion has continued and memories of past loan losses have faded, banks have become more willing to ta...

  17. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  18. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  19. SME loan defaults in Bangladesh

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

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

  20. Loan and Mortgage Spreadsheet.

    Science.gov (United States)

    Burns, Edward

    Information about the effect of changes in interest rates and the length of repayment on mortgages is available through the use of this loan and mortgage spreadsheet program designed for use on Apple computers. It is especially designed to help people evaluate the relative advantages of a variable rate mortgage with a low initial rate of interest…

  1. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

    ...] Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type... the IHS Loan Repayment Program (LRP) for health professional educational loans (undergraduate and..., nursing, public health nursing, dentistry, psychiatry, osteopathy, optometry, pharmacy, psychology, public...

  2. 34 CFR 674.39 - Loan rehabilitation.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan rehabilitation. 674.39 Section 674.39 Education..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.39 Loan rehabilitation. (a) Each institution must establish a loan rehabilitation program for all borrowers for the purpose of rehabilitating...

  3. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward the loan documents to the borrower for execution, delivery, recording, and filing, as directed by RUS. ...

  4. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  5. 10 CFR 611.107 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Loan terms. 611.107 Section 611.107 Energy DEPARTMENT OF... Direct Loan Program § 611.107 Loan terms. (a) All loans provided under this part shall be due and payable... priority in, such Security as provided for within the terms and conditions of the Loan Documents. (2...

  6. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

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

  7. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... and debt reserves balances, and other responsibilities such as enforcement of loan terms. Loan... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS...

  8. SBA Disaster Loan Data FY2012

    Data.gov (United States)

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

  9. SBA Disaster Loan Data FY2011

    Data.gov (United States)

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

  10. 7 CFR 1942.7 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) ASSOCIATIONS Community Facility Loans § 1942.7 Loan closing. Loans will be closed in... Manager will take appropriate actions outlined in Rural Development Instruction 2018-D. (f) Supervised...

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

    Science.gov (United States)

    2011-02-07

    ... fixed-rate conforming mortgages (U.S. average), rounded to the nearest one-eighth of one percent (0.125... the nearest one-eighth of one percent (0.125%), as of the date the Modification Agreement is executed... not more than one percent higher than the existing rate on the loan; or, (iii) In the case of a loan...

  12. The Theory of Student Loans

    OpenAIRE

    Grigory Androuschak

    2006-01-01

    The author considers the creation of a loan system for students as one of the most important components of the modernization of the institutional structure of Russian education. The article attempts to describe such a system using modern economic theory. Particular attention is paid to the problems of creating the institution of student loans in a society with weak market institutions in general.

  13. Borrowing and Repaying Student Loans

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

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

  14. The Selling of Student Loans

    Science.gov (United States)

    Field, Kelly

    2007-01-01

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

  15. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan and advance limitations and obligations incurred before loan closing. 1781.7 Section 1781.7 Agriculture Regulations of the Department of Agriculture... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.7 Loan and advance limitations and...

  16. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... before purchasing the loan, there is no need to require divestiture of these loans except if the borrower...) is modified accordingly. C. Need for the Rule The ICBA comments that when loans are available for... System needs loans it should reach out to farmers who need cheap credit but do not qualify for bank loans...

  17. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

    ..., including equipment, not to exceed $500,000 per loan. (d) The storage need requirement for eligible facility... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan amount and loan application approvals. 1436.9... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN...

  18. 12 CFR 701.22 - Loan participation.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loan participation. 701.22 Section 701.22 Banks... OPERATION OF FEDERAL CREDIT UNIONS § 701.22 Loan participation. (a) For purposes of this section: (1) Participation loan means a loan where one or more eligible organizations participates pursuant to a written...

  19. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

    ... most points will be approved first, the second highest next, etc.) The following ranking methodology and loan approval conditions apply: (1) Ranking criteria.Borrowers will receive points based on each... in which its loan is pending but not approved. (2) Ranking and approval of loans. Eligible loan...

  20. 7 CFR 773.7 - Loan uses.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the necessary loan documents to the borrower for execution, delivery, recording, and filing, as directed by RUS...

  2. 7 CFR 1735.73 - Loan design.

    Science.gov (United States)

    2010-01-01

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

  3. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 4279.126 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4279.126 Section 4279.126 Agriculture... Loan terms. (a) The maximum repayment for loans on real estate will not exceed 30 years; machinery and... which require a periodic payment schedule which will retire the debt over the term of the loan without a...

  5. 24 CFR 573.4 - Loan term.

    Science.gov (United States)

    2010-04-01

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

  6. 7 CFR 4274.320 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 4274.320 Section 4274.320 Agriculture... (IRP) § 4274.320 Loan terms. (a) No loan to an intermediary shall be extended for a period exceeding 30... recipient. The term must be reasonable and prudent considering the purpose of the loan, expected repayment...

  7. 24 CFR 1007.35 - Loan terms.

    Science.gov (United States)

    2010-04-01

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

  8. 12 CFR 32.6 - Nonconforming loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Nonconforming loans. 32.6 Section 32.6 Banks... Nonconforming loans. (a) A loan, within a bank's legal lending limit when made, will not be deemed a violation but will be treated as nonconforming if the loan is no longer in conformity with the bank's lending...

  9. Geothermal Loan Guaranty Program

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-11-17

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

  10. 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.

  11. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

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

  12. Libraries in Maryland: MedlinePlus

    Science.gov (United States)

    ... ext. 2485 Cumberland Allegany College Of Maryland Library-Interlibrary Loan Department 12401 Willowbrook Road, SE Cumberland, MD 21502- ... www.wmhs.com Gaithersburg Montgomery County Public Libraries Interlibrary Loan 2-4 Metropolitan Ct. Gaithersburg, MD 20878 240- ...

  13. Single Family Loan Sale Initiative - National Offering

    Data.gov (United States)

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

  14. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

    ... borrower's race, gender, color, religion, national origin, age, disability status, or income. (9) A school... 34 Education 3 2010-07-01 2010-07-01 false Origination of a loan by a Direct Loan Program school... Requirements, Standards, and Payments for Direct Loan Program Schools § 685.301 Origination of a loan by a...

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

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

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

  16. 76 FR 37779 - Rural Broadband Access Loans and Loan Guarantees Program

    Science.gov (United States)

    2011-06-28

    ... Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees Program AGENCY: Rural Utilities... for the Rural Broadband Access Loans and Loan Guarantees Program for fiscal year (FY) 2011. A Notice..., 2011, at 76 FR 13797, prior to the passage of a final appropriations bill identifying a definite...

  17. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

    ... loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... terms. (a) A manufactured home loan may be guaranteed if the loan is for one of the following purposes... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...

  18. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... Loans has continued during FY2010 in response to the ongoing need to rebuild the Gulf Coast areas... ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S. Small Business Administration... the extension of the ``Notice of waiver of regulatory provisions'' for SBA's GO Loan Pilot until...

  19. 13 CFR 302.3 - Project servicing for loans, loan guaranties and Investment Assistance.

    Science.gov (United States)

    2010-01-01

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

  20. 10 CFR 800.202 - Loan terms and conditions.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Loan terms and conditions. 800.202 Section 800.202 Energy... CONTRACTS AND ASSISTANCE Loans § 800.202 Loan terms and conditions. (a) The loan shall be based upon a loan... authorization necessary for the continued operation of the business throughout the term of the loan. (9) The...

  1. 42 CFR 505.7 - Terms of the loan.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Terms of the loan. 505.7 Section 505.7 Public... IMPROVEMENT PROGRAM Loan Criteria § 505.7 Terms of the loan. All loan recipients must agree to the following loan terms: (a) Loan obligation. An authorized official of a qualifying hospital must execute a...

  2. 7 CFR 1776.15 - Terms of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Terms of loans. 1776.15 Section 1776.15 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.15 Terms of loans. (a) HWWS loans... must set forth the HWWS loan terms in written documentation signed by the loan recipient. (c) Grant...

  3. 76 FR 75427 - Farm Loan Programs Loan Making Activities

    Science.gov (United States)

    2011-12-02

    ... subject to racial, ethnic, or gender prejudice. See definitions of beginning farmer and socially... the same as losses for other types of livestock operations, with minor differences in security... the Agency a loss by receiving debt forgiveness on all or a portion of any direct or guaranteed loan...

  4. 49 CFR 22.67 - Delinquent loans and loan defaults.

    Science.gov (United States)

    2010-10-01

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

  5. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

    ... farmers who are unable to get credit elsewhere. On August 7, 2009, FSA published the loan servicing... seven regional locations and consulted with Tribal leadership in each region on the rules. When the..., for proposed and final rules with Federal mandates that may result in expenditures of $100 million or...

  6. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ...-provided loan, the Secretary normally will place primary emphasis on similarities in the structure of the... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of...-term loans. The Secretary will allocate (expense) the benefit from a short-term loan to the year(s) in...

  7. 75 FR 20043 - Biorefinery Assistance Guaranteed Loans

    Science.gov (United States)

    2010-04-16

    .... Department of Agriculture, is proposing a guaranteed loan program for biorefineries. The proposed rule will establish guaranteed loan regulations for the development and construction of commercial-scale biorefineries..., Intergovernmental Review of Federal Programs Rural Development guaranteed loans are subject to the Provisions of...

  8. 7 CFR 1781.22 - Subsequent loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Subsequent loans. 1781.22 Section 1781.22 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.22...

  9. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

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

  10. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... disruption to marketing, transportation, or related infrastructure, the Secretary may modify the repayment... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

  11. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... pay all filing, recording, notary, lien search, and any other fees necessary to process and close a... member or business associate with the applicant; and (viii) Act promptly to provide required services. (e...

  12. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

    ...) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... the loan rate per pound of raw cane sugar for each of the crop years 2009 through 2012. (c) Loan rates... to raw cane sugar or beet sugar on the basis of the expected production of raw sugar or beet sugar...

  13. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

    ... acknowledges that some FCUs may choose not to offer PAL loans because their members do not need them. Further... to making PAL loans a more widespread product for those members who need them and making it is easier... PAL loan application. FCUs would still need to accurately account for their costs in determining a...

  14. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

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

  15. The Faculty Loan Repayment Survey.

    Science.gov (United States)

    Brody, Harvey; Sinkford, Jeanne C.

    1997-01-01

    A survey investigated the status of a program that simultaneously encourages minority health occupations graduates to pursue teaching and helps repay their student loans. The federal program, with 16 schools and 35 students participating, has been instrumental in recruiting teachers, but has not resolved financial difficulties for some…

  16. 75 FR 65306 - Notice of Intent To Prepare an Environmental Impact Statement for a Proposed Federal Loan...

    Science.gov (United States)

    2010-10-22

    ... submitted an application to DOE under the Federal loan guarantee program pursuant to the Energy Policy Act... annually. Generated electricity would be sold to Pacific Gas and Electric (PG&E) under a long-term power... will include a floodplain assessment in the EIS. DOE invites those agencies with jurisdiction by law or...

  17. 77 FR 58808 - Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor...

    Science.gov (United States)

    2012-09-24

    ... 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year (FY) 2012 AGENCY: Rural Housing.... FOR FURTHER INFORMATION CONTACT: Mirna Reyes-Bible, Finance and Loan Analyst, Multi-Family Housing... written evidence that a tax credit application has been submitted and accepted by the Housing Finance...

  18. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

    ... employees (or job candidates) to receive student loan repayment benefits that ensures fair and equitable... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan...

  19. 42 CFR 57.309 - Payment of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  20. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1951.859 - Term of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Term of loans. 1951.859 Section 1951.859 Agriculture... REGULATIONS (CONTINUED) SERVICING AND COLLECTIONS Rural Development Loan Servicing § 1951.859 Term of loans... terms of loan repayment will be those stipulated in the loan agreement and/or promissory note. ...

  2. 7 CFR 3550.113 - Rates and terms (loans only).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Rates and terms (loans only). 3550.113 Section 3550... 306C Water and Waste Disposal Grants § 3550.113 Rates and terms (loans only). (a) Interest rate. The interest rate for all section 504 loans will be 1 percent. (b) Loan term. The repayment period for the loan...

  3. 7 CFR 1980.424 - Term of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Term of loan repayment. 1980.424 Section 1980.424...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.424 Term of loan... working capital portion of the loan. The term for a loan that is being refinanced may be based on the...

  4. 49 CFR 22.13 - Loan terms and conditions.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Loan terms and conditions. 22.13 Section 22.13... STLP Loans § 22.13 Loan terms and conditions. (a) Amount. The maximum face amount for an individual.... Subsequent interest rate changes may occur no more than monthly. (c) Loan Structure and Term. A STLP loan...

  5. 7 CFR 1735.47 - Rescissions of loans.

    Science.gov (United States)

    2010-01-01

    ... need for those purposes. (c) RUS shall not initiate the rescission of a loan unless all of the purposes... 7 Agriculture 11 2010-01-01 2010-01-01 false Rescissions of loans. 1735.47 Section 1735.47... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Terms of Loans...

  6. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  8. Determinants of Households’ Overdue Loans in Romania

    Directory of Open Access Journals (Sweden)

    Adrian CODIRLASU

    2011-01-01

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

  9. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF EDUCATION Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal Direct... (FFEL), and William D. Ford Federal Direct Loan (Direct Loan) program loans repaid by the Secretary...

  10. 38 CFR 8.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Policy loans. 8.13 Section 8.13 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.13 Policy loans. (a) At any time after the premiums for the first policy year have been paid and earned and...

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

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

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

  12. 13 CFR 120.1704 - Pool Loans eligible for Pooling.

    Science.gov (United States)

    2010-01-01

    ... Loans eligible for Pooling. (a) General Pool Loan eligibility requirements. For a First Lien Position... zoos—712130 (“Zoos and Botanical Gardens”). (b) SBA review of a Pool Loan prior to pool formation. SBA...

  13. 13 CFR 120.921 - Terms of Third Party loans.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Terms of Third Party loans. 120... Development Company Loan Program (504) Third Party Loans § 120.921 Terms of Third Party loans. (a) Maturity. A Third Party Loan must have a term of at least 7 years when the 504 loan is for a term of 10 years and 10...

  14. 38 CFR 1.924 - Suspension or revocation of eligibility for federal loans, loan insurance, loan guarantees...

    Science.gov (United States)

    2010-07-01

    ...) Federal financial assistance or financial assistance means any Federal loan (other than a disaster loan... of Veterans Affairs, the Secretary of the Treasury may grant exemptions from the provisions of this... Chief Financial Officer should balance the following factors when deciding whether to grant a waiver: (i...

  15. Loan sales under asymmetric information

    OpenAIRE

    Vargas Martínez, Mónica

    2010-01-01

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

  16. 7 CFR 3565.55 - Participation loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Participation loans. 3565.55 Section 3565.55 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Guarantee Requirements § 3565.55 Participation loans...

  17. Economic Loan Loss Provision and Expected Loss

    Directory of Open Access Journals (Sweden)

    Stefan Hlawatsch

    2010-10-01

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

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

    African Journals Online (AJOL)

    Previous studies that analysed loan defaults have imposed the restrictive assumption that the factors which influence the probability of loan default and the rate of default are the same and with the same direction effects. This study introduces a two-stage approach by applying the double hurdle model to analyse probability ...

  19. Foreign Currency Loans - Demand or Supply Driven?

    NARCIS (Netherlands)

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

    2009-01-01

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

  20. 77 FR 15933 - Conservation Loan Program

    Science.gov (United States)

    2012-03-19

    ... Agency (FSA) implemented the new Conservation Loan (CL) Program authorized by the Food, Conservation, and... the conservation plan demonstrate NRCS Field Office Technical Guide quality criteria for at least... Farm Service Agency 7 CFR Parts 761, 762, 764, 765, and 766 RIN 0560-AI04 Conservation Loan Program...

  1. 75 FR 54005 - Conservation Loan Program

    Science.gov (United States)

    2010-09-03

    ..., 762, 764, 765, and 766 RIN 0560-AI04 Conservation Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Interim final rule. SUMMARY: The Farm Service Agency (FSA) is implementing the new Conservation Loan (CL) Program authorized by the Food, Conservation, and Energy Act of 2008 (the 2008 Farm Bill...

  2. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

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

    2013-01-01

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

  3. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

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

  4. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 4280.25 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.25 Revolving Loan Fund Plan. Each REDG Intermediary must adopt a Rural Development... 7 Agriculture 15 2010-01-01 2010-01-01 false Revolving Loan Fund Plan. 4280.25 Section 4280.25...

  6. 7 CFR 4280.16 - REDL and REDG Loan terms.

    Science.gov (United States)

    2010-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and... 7 Agriculture 15 2010-01-01 2010-01-01 false REDL and REDG Loan terms. 4280.16 Section 4280.16... Loans will automatically be granted by Rural Development upon request of the Intermediary as follows: (1...

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

    African Journals Online (AJOL)

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

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

    Science.gov (United States)

    Shay, Robert P.

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

  9. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

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

  10. 42 CFR 57.305 - Nursing student loan funds.

    Science.gov (United States)

    2010-10-01

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

  11. 7 CFR 1737.60 - Telephone loan budget.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1980.473 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Additional loans or advances. 1980.473 Section 1980... Additional loans or advances. (Refer to paragraph XIII of Form FmHA or its successor agency under Public Law... authority additional nonguaranteed loans or advances prior to or subsequent to the issuance of the Loan Note...

  14. Advantages and Disadvantages of Student Loans Repayment Patterns

    Science.gov (United States)

    Shen, Hua

    2010-01-01

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

  15. 24 CFR 241.1068 - Renegotiation of an equity loan.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Renegotiation of an equity loan... AUTHORITIES SUPPLEMENTARY FINANCING FOR INSURED PROJECT MORTGAGES Insurance for Equity Loans and Acquisition Loans-Eligibility Requirements § 241.1068 Renegotiation of an equity loan. The Commissioner shall...

  16. 7 CFR 3575.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Terms of loan repayment. 3575.34 Section 3575.34... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.34 Terms of loan repayment. (a) General... terms that reasonably ensure repayment of the loan. However, the first installment to include a...

  17. 7 CFR 3565.208 - Maximum loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Maximum loan term. 3565.208 Section 3565.208... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.208 Maximum loan term. (a) Statutory term limit. The lender may set the term of the loan, but in no instance may the term of a...

  18. 38 CFR 17.805 - Additional terms of loans.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Additional terms of loans... Transitional Housing Loan Program § 17.805 Additional terms of loans. In the operation of each residence established with the assistance of the loan, the recipient must agree to the following: (a) The use of alcohol...

  19. 7 CFR 1779.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Terms of loan repayment. 1779.34 Section 1779.34... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.34 Terms of loan repayment... lender and borrower on terms that reasonably ensure repayment of the loan. However, the first installment...

  20. 34 CFR 682.405 - Loan rehabilitation agreement.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan rehabilitation agreement. 682.405 Section 682.405... Federal Family Education Loan Programs by a Guaranty Agency § 682.405 Loan rehabilitation agreement. (a) General. (1) A guaranty agency that has a basic program agreement must enter into a loan rehabilitation...

  1. 75 FR 58285 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-09-24

    ... credit to minimize the need for additional loans from payday lenders. To effectuate the beneficial nature... ] term and avoid the need to extend a loan. With respect to the number of loans, most commenters believed... of the loan. For members with established accounts, FCUs should only need to review a member's...

  2. 48 CFR 32.306 - Loan guarantees for subcontracts.

    Science.gov (United States)

    2010-10-01

    ... to provide the progress payments. As a result, the need for the loan guarantee may be reduced or... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Loan guarantees for... GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Loan Guarantees for Defense Production 32.306 Loan...

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

    Science.gov (United States)

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

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

  4. Kosovo farmers demand for agricultural loans

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Jehona Shkodra

    2016-07-01

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

  5. 77 FR 12157 - Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses With Credit...

    Science.gov (United States)

    2012-02-29

    ... RIN 3245-AG42 Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses... maximum term of an SBA disaster loan to small businesses with credit available elsewhere from three years...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been...

  6. 38 CFR 36.4322 - Loan termination.

    Science.gov (United States)

    2010-07-01

    ... require prior approval from VA. VA will maintain the loan termination time allowable timeframes on a Web... writing a shorter validity period, not less than 90 calendar days, for a liquidation appraisal or...

  7. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ... accredited college of veterinary medicine resulting in a degree of Doctor of Veterinary Medicine, or the... based on additional documentation provided by the individual; (6) Loans, financial debts, or service...

  8. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

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

  9. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

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

  10. 76 FR 13797 - Rural Broadband Access Loans and Loan Guarantees Program

    Science.gov (United States)

    2011-03-14

    ... (download plus upload speeds) for both fixed and mobile broadband service and the broadband lending speed will be a minimum bandwidth of 5 megabits per second for both fixed and mobile service to the customer...; ] DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees Program...

  11. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

    ... Educational Loans Announcement Type: Initial. CFDA Number: 93.164. DATES: Key Dates: February 25, 2011 first... professional educational loans (undergraduate and graduate) in return for full-time clinical service in Indian... health nursing, dentistry, psychiatry, osteopathy, optometry, pharmacy, psychology, public health, social...

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

    Science.gov (United States)

    Project on Student Debt, 2016

    2016-01-01

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

  13. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... Supervision Matthew J. Biliouris and Chief Accountant Karen Kelbly, Office of Examination and Insurance; at... satisfaction of the loan, (2) a modification of the loan terms, such as a reduction of the stated interest rate... difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family...

  14. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

    ... Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program... telecommunications systems, equipment and services. The List of Materials historically has been a very useful tool in... to advancing state-of-the-art telecommunications technologies, consistent with our commitment to high...

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

    Data.gov (United States)

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

  16. Borrower risk signaling using loan-to-value ratios

    National Research Council Canada - National Science Library

    Epley, Donald R; Liano, Kartono; Haney, Richard

    1996-01-01

    A study is presented that evaluates the signaling capability of the borrower's selected loan-to-value ratio and finds the equity proportion of housing capital to be a good indicator of the loan's riskiness...

  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. 13 CFR 120.396 - What is the term of the loan?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the term of the loan? 120.396 Section 120.396 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Builders Loan Program § 120.396 What is the term of the loan? The loan must not...

  19. 7 CFR 1783.15 - What are the terms of RFP loans?

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false What are the terms of RFP loans? 1783.15 Section 1783... FUND PROGRAM) Revolving Fund Program Loans § 1783.15 What are the terms of RFP loans? (a) RFP loans... RFP loan terms in written documentation signed by the loan recipient. (c) Grant recipients must...

  20. Non-performing loans and Financial Development: New Evidence

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

    This paper examine the relationship between non-performing loans (NPLs) and financial (sector) development. The study is motivated by the scant knowledge on how financial development structures impact non-performing loans across banking sectors around the world. In the pooled full country empirical analysis, we find that (i) private credit to GDP ratio is positively associated with non-performing loans, (ii) NPLs are inversely associated with bank efficiency, loan loss coverage, banking compe...

  1. Viability of a student loan scheme in the Maldives

    OpenAIRE

    Shakeela, Fathimath

    2010-01-01

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

  2. NON-PERFORMING LOANS: ANALYSIS AND REGULATION

    OpenAIRE

    Lobozynska, Sophia

    2014-01-01

    The analysis of the level of non-performing loans and the volumes of forming the insurance reserves for them with a time lag of 6 years (2004–2009) in developing countries (China, Poland, Russia, Ukraine) was made. The estimation of efficiency of regulatory processes to combat non-performing loans of the banking sector which were applied by these countries was provided. The correlation-regression model of establishing cause-effect relationship between effective index – the share of non-perfor...

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

    Science.gov (United States)

    Austin, D. Andrew

    2010-01-01

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

  4. 7 CFR 1703.140 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Use of loan funds. 1703.140 Section 1703.140 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.140 Use of loan funds. A...

  5. 77 FR 19531 - 7(a) Loan Program; Eligible Passive Companies

    Science.gov (United States)

    2012-04-02

    ...) loan that includes working capital and/or the purchase of other assets, including intangible assets...(a) loan including working capital for use by the Operating Company, the regulation requires the... capital when the Eligible Passive Company applies for a loan primarily to finance the acquisition of real...

  6. 7 CFR 1717.853 - Loan terms and conditions.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan terms and conditions. 1717.853 Section 1717.853... Accommodations and Subordinations for 100 Percent Private Financing § 1717.853 Loan terms and conditions. (a) Terms and conditions. A loan, bond or other financing instrument, for which a lien accommodation or...

  7. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... consumer has the right to accept the terms of a private education loan at any time within 30 calendar days... changes permitted under paragraphs (c)(3) and (c)(4), the rate and terms of the private education loan... rate and terms if the change will unequivocally benefit the consumer; or (D) Reducing the loan amount...

  8. 7 CFR 4280.152 - Servicing guaranteed loans.

    Science.gov (United States)

    2010-01-01

    .... (2) Terms. Loan terms must not be changed unless the change is approved in writing by the Agency with... not be released from liability. Any new loan terms must be within the terms authorized by § 4280.125. The lender's request for approval of new loan terms will be supported by an explanation of the reasons...

  9. 7 CFR 1980.321 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Terms of loan repayment. 1980.321 Section 1980.321...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.321 Terms of loan repayment. (a) Note. Principal and interest shall be due and payable monthly. (b) Term. The term for final maturity shall be not...

  10. 7 CFR 1735.70 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... policies and requirements. (b) RUS will finance an acquisition by a borrower only when the acquisition is... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Acquisitions... telephone organizations. After a merger or consolidation, RUS will consider making loans to the telephone...

  11. 24 CFR 203.50 - Eligibility of rehabilitation loans.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of rehabilitation loans... Properties § 203.50 Eligibility of rehabilitation loans. A rehabilitation loan which meets the requirements... 203(k) of the National Housing Act. (a) For the purpose of this section: (1) The term rehabilitation...

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

    NARCIS (Netherlands)

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

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

  13. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Split-dollar loans. 1.7872-15 Section 1.7872-15...) INCOME TAXES General Actuarial Valuations § 1.7872-15 Split-dollar loans. (a) General rules—(1) Introduction. This section applies to split-dollar loans as defined in paragraph (b)(1) of this section. If a...

  14. 7 CFR 1710.119 - Loan processing priorities.

    Science.gov (United States)

    2010-01-01

    ... Administrator may give priority to processing loans that are required to meet the following needs: (1) To... need RUS approval pursuant to the borrower's loan documents (See 7 CFR 1717.154); or (4) To correct... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan processing priorities. 1710.119 Section 1710.119...

  15. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

    ... may but need not be collected for loans purchased by the financial institution. (c) Optional data. A... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Compilation of loan data. 203.4 Section 203.4... DISCLOSURE (REGULATION C) § 203.4 Compilation of loan data. (a) Data format and itemization. A financial...

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

    Science.gov (United States)

    2010-12-27

    ... Federal Home Loan Bank (Bank) membership to identify provisions that may need to be updated to ensure that...; ] FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1263 RIN 2590-AA39 Members of Federal Home Loan Banks AGENCY... Federal Home Loan Bank Act (Bank Act) to provide a reserve banking system for thrift institutions to...

  17. 7 CFR 1735.33 - Variable interest rate loans.

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

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

  19. 12 CFR 614.4232 - Loans to domestic lessors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans to domestic lessors. 614.4232 Section 614... Terms and Conditions § 614.4232 Loans to domestic lessors. Loans and financial assistance extended by banks for cooperatives and agricultural credit banks to domestic lessors to finance equipment or...

  20. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... requirements established by RUS, and if directed by the Administrator, that the borrower follow RUS planning... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... maturity date, including but not limited to requirements regarding the prepayment of loans made...

  1. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

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

  2. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

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

  3. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Special EM loan training. 1945.35 Section 1945.35...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... process EM loans without undue delay. The training meeting will last two days (16 hours) and include a...

  4. 7 CFR 1945.20 - Making EM loans available.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Making EM loans available. 1945.20 Section 1945.20...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.20 Making EM loans available. EM loans will be made available to applicants having qualifying severe physical and/or production...

  5. 7 CFR 701.13 - Submitting requests.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Submitting requests. 701.13 Section 701.13 Agriculture... ADMINISTERED UNDER THIS PART § 701.13 Submitting requests. (a) Subject to the availability of funds, the Deputy Administrator shall provide for an enrollment period for submitting ECP cost-share requests. (b) Requests may be...

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

    Science.gov (United States)

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

  7. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... than six years ago, SBA no longer believes it is necessary to waive this regulation for loans under the.... Steven J. Smits, Associate Administrator, Office of Capital Access. BILLING CODE 8025-01-P ...

  8. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... their own resources. (iii) Loan requests from civilian authorities or activities will normally enter... Red Cross for instruction and practice to aid the Army, Navy, or Air Force in time of war (10 U.S.C... America (world or national jamborees) 3 10 U.S.C. 2544; AR 725-1, ch. 7 MACOM CG on behalf of CG DARCOM...

  9. 7 CFR 1951.877 - Loan agreements.

    Science.gov (United States)

    2010-01-01

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

  10. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

    ... training, or farming experience; have an acceptable credit history; and have adequate collateral for the... training and mentoring for ML applicants to include beginning farmers, sustainable agriculture, and... loan amounts and operations in the growing segment of family farms engaged in organic farming and...

  11. 44 CFR 206.376 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

    ... money borrowed to pay amounts FEMA does not advance toward completion of approved Project Applications... cancellation. (a) FEMA shall cancel repayment of all or part of a Special Community Disaster Loan to the extent...-month period beginning September 1, 2005, FEMA will prorate the revenues and expenses for the partial...

  12. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... not classified as Seasoned or Current Non-problem will be reported on the quarterly status report with... Department of Justice will need to know such things as: What was the amount of the loan or the loss paid to... that much more quickly to the Justice Department. 6. There is also a way to bring suit for civil fraud...

  13. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... receive benefits from the low-income housing tax credit program must make an equity contribution in the... receive low-income housing tax credit benefits and who are comprised solely of nonprofit organizations... housing tax credit benefits, the loan amount will be limited to no more than 97 percent of the security...

  14. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... until 5 years after repayment of the loan commences. SBA is also correcting a grammatical error in the... Energy Act of 2008 (the Farm Act). Except for several grammatical corrections, this direct final rule... correcting a spelling error in section 123.300(b), changing ``principle'' to ``principal''. SBA is amending...

  15. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

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

  16. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan application. 762.110 Section 762.110 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for...

  17. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

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

  18. ENGLISH LOANS IN SWAHILI NEWSPAPER FOOTBALL LANGUAGE

    African Journals Online (AJOL)

    Dr. Josephine Dzahene-Quarshie

    ENGLISH LOANS IN SWAHILI NEWSPAPER FOOTBALL. LANGUAGE. Josephine Dzahene-Quarshie. Abstract. It has been inferred that to some extent some football terminologies tend to be cross-linguistic, stemming from the fact that many languages borrow football vocabulary from English. Thus within the field of football, ...

  19. 7 CFR 1822.265 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... development. If public water and waste disposal facilities are not available and cannot reasonably be provided... 103-354 Water and Waste Disposal Association loans, funds may be included for this purpose. (b) For... areas, and driveways. (e) When legally required by proper local, county, and State Governmental bodies...

  20. 76 FR 58089 - Guaranteed Loan Fees

    Science.gov (United States)

    2011-09-20

    ... direct loan program funding, which has had budget cuts over the years. Response: FSA is limited by... the cost of credit for the family farmers. FSA should find alternative ways to cut costs such as a reduction in staff. By increasing fees, FSA will be losing what presence it has with agricultural lenders...

  1. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

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

  2. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

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

  3. 7 CFR 3560.73 - Subsequent loans.

    Science.gov (United States)

    2010-01-01

    ... accordance with 7 CFR part 1940, subpart G. (f) Design requirements. All improvements, repairs, and... applicant must obtain architectural services when any of the following conditions exist: (1) Enclosed space... being proposed requires architectural services. (h) Restrictive-use requirements. Subsequent loans are...

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

    African Journals Online (AJOL)

    2017-05-01

    May 1, 2017 ... Microcredit Loan Repayment Default among Small Scale Enterprises: A Double Hurdle Approach. Introduction. Credit risk management is crucial to the survival of banks, microfinance institutions and related financial institutions, and the clients they serve. Credit risk can be analysed from three main angles: ...

  5. Microcredit in Developed Countries: Unexpected Consequences of Loan Ceilings

    OpenAIRE

    Cozarenco, Anastasia; Szafarz, Ariane

    2014-01-01

    In most developed countries, regulators have imposed loan ceilings to subsidized microfinance institutions (MFIs). Micro-entrepreneurs in need of above-ceiling loans are left with the co-financing option, which means securing the aboveceiling share of the loan with a regular bank, and getting a ceiling-high loan from the MFI. Co-financing is attractive to MFIs because it allows them to free-ride on the regular banks' screening process. Therefore, loan ceilings can have the perverse effect of ...

  6. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

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

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

    National Research Council Canada - National Science Library

    Ismail Tijjani Idris; Sabri Nayan

    2016-01-01

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

  8. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

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

  9. 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...

  10. 13 CFR 123.410 - Which loan requests will SBA fund?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Which loan requests will SBA fund... PROGRAM Pre-Disaster Mitigation Loans § 123.410 Which loan requests will SBA fund? SBA will date stamp each application (loan request) as it is received. SBA will fund loan requests which meet the selection...

  11. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

    ... begin making loan payments until the job candidate begins serving in the position. (5) Student loan... verify with the holder of the loan that the employee (or job candidate) has an outstanding student loan... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL...

  12. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing.... 1 1 Individuals who received nursing student loans prior to July 1, 1969, remain subject to the...

  13. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Concurrent Bank and RUS cost-of-money loans. 1610.6..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.6 Concurrent Bank and RUS cost-of-money loans. (a) The Bank makes loans, under section 408 of the Act, concurrently with RUS cost-of-money loans made under section...

  14. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Terms of loan repayment and length of service... LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.13 Terms of loan repayment and length of service requirements. (a) Loan repayment. For each year of obligated...

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

    Science.gov (United States)

    2010-01-01

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

  16. 76 FR 22631 - Community Facility Loans

    Science.gov (United States)

    2011-04-22

    ... and regulations that are in direct conflict with this rule will be preempted. Federal funds carry... recommendations, and if noncompetitive negotiation per 1942.18(k)(4) is accepted by the Agency, submit an...

  17. 38 CFR 8.11 - Cash value and policy loan.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Cash value and policy loan. 8.11 Section 8.11 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.11 Cash value and policy loan. (a) Provisions for cash value, paid-up insurance, and extended...

  18. Does uncertainty matter for loan charge-offs?

    OpenAIRE

    Laetitia Lepetit; Frank Strobel; David G. Dickinson

    2012-01-01

    International audience; Using a stylized real options model, we show that discretion over the timing of charging off a non-performing loan could be economically justified when collateral values are uncertain and there is a chance of loan recovery. The implied hypothesis of an “uncertainty dependence” aspect in loan charge-offs is empirically tested and validated using a panel of European banks. A welfare-maximizing regulator might want to let banks pursue such discretionary loan charge-off be...

  19. A Document Imaging Technique for Implementing Electronic Loan Approval Process

    National Research Council Canada - National Science Library

    J. Manikandan; C.S. Celin; V.M. Gayathri

    2015-01-01

    ...), research fields, crime investigation fields and military fields. In this paper, we proposed a document image processing technique, for establishing electronic loan approval process (E-LAP) [2...

  20. DETERMINANTS OF NON-PERFORMING LOANS IN NIGERIA

    OpenAIRE

    Olayinka Akinlo; Mofoluwaso Emmanuel

    2014-01-01

    Credit risk assessment is a major component of macro prudential analysis, with the aggregate nonperforming loan ratio serving as a proxy for the economy-wide probability of default of the banking sector’s overall loan exposure. Consequently, the factors that drive non-performing loans become pertinent. This study provides a macroeconomic model for non-performing loans for Nigeria. Our empirical analysis confirms that in the long run, economic growth is negatively related to non-performing l...

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

    Science.gov (United States)

    2013-04-05

    ... ] children, including pediatric pharmacology. Program refers to the NIH Loan Repayment Program, or LRP... mentoring researchers, funding history, and research productivity. (B) Quality and appropriateness of...

  2. Housing Loan and the Price of Housing in Singapore

    OpenAIRE

    Addae-Dapaah, K.

    2014-01-01

    We use the Johansen co-integration test and the Vector Error Correction Model (VECM) to analyze data on housing loan, housing price, interest rate and GDP from 19911Q to 20102Q to particularly ascertain the extent to which housing loan affects house prices in Singapore. The results show the existence of a long run co-integration among housing loan, house price, interest rate and GDP. Furthermore, housing loan is found to be positively correlated with house price and GDP but negatively correla...

  3. 76 FR 71934 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2011-11-21

    ... purchase real estate and equipment and finance agricultural production. Direct Loan Servicing--Special, as... (including reamortization, rescheduling, deferral, write down and conservation contracts), buyout at market...

  4. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS... required, to the Finance Office. (4) When a single obligation instrument is used, amortized installments...

  5. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs... receive, services under a program designed to rehabilitate disabled individuals and must provide the... the borrower is engaged in service described in §§ 674.53, 674.54, 674.55, 674.56, 674.57, 674.58, 674...

  6. 38 CFR 11.83 - Additional loans by reason of 50 percent loan value.

    Science.gov (United States)

    2010-07-01

    ... Adjusted Service Certificates Under Section 502 of the World War Adjusted Compensation Act § 11.83... such loans are made in good faith to the veteran to whom the certificate was issued. If, while his... authorized by the amendment to the World War Adjusted Compensation Act dated February 27, 1931, whether or...

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

    OpenAIRE

    Idris, Ismail Tijjani; Nayan, Sabri

    2016-01-01

    The lending banks’ function of loan monitoring plays an important role in sustaining quality loan portfolios and protects risk assets against deterioration thereby keeping Non-Performing Loans (NPLs) within acceptable standards. The aim of this paper is to propose a conceptual model/framework of investigating the moderating role of loan monitoring on the relationship between macroeconomic variables and Non-Performing Loans among ASEAN Economic Community countries. The global problem of NPLs h...

  8. 75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

    Science.gov (United States)

    2010-06-25

    ... HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Nursing Student Loan... Nursing Student Loan (NSL) program by: (1) Increasing the limits of loan funds to students; (2) revising... loans eligible for partial loan cancellation. SUPPLEMENTARY INFORMATION: The Nursing Student Loan (NSL...

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

    African Journals Online (AJOL)

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

  10. 7 CFR 1703.109 - Grant and loan administration.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Grant and loan administration. 1703.109 Section 1703.109 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General...

  11. 7 CFR 1703.106 - Disbursement of loans and grants.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Disbursement of loans and grants. 1703.106 Section 1703.106 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General...

  12. 7 CFR 1703.111 - Grant and loan termination.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Grant and loan termination. 1703.111 Section 1703.111 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan and Grant Program-General § 1703.111...

  13. 77 FR 3379 - Biorefinery Assistance Guaranteed Loans; Correction

    Science.gov (United States)

    2012-01-24

    ... Subjects in 7 CFR Part 4279 Biorefinery assistance, Loan programs--Business and industry, Rural development... 3379-3380] [FR Doc No: 2012-1149] DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Rural Utilities Service 7 CFR Part 4279 Biorefinery Assistance Guaranteed Loans; Correction AGENCY: Rural Business...

  14. 7 CFR 1703.142 - Nonapproved purposes for loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Nonapproved purposes for loans. 1703.142 Section 1703.142 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.142...

  15. 77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans

    Science.gov (United States)

    2012-09-05

    ... Part 1222 Appraisals for Higher-Risk Mortgage Loans; Proposed Rule #0;#0;Federal Register / Vol. 77... Part 1222 RIN 2590-AA58 Appraisals for Higher-Risk Mortgage Loans AGENCIES: Board of Governors of the... TILA provision requiring appraisals for ``higher-risk mortgages'' that was added to TILA as part of the...

  16. 78 FR 78519 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-12-26

    ... 1026 Appraisals for Higher-Priced Mortgage Loans; Final Rule #0;#0;Federal Register / Vol. 78 , No. 248... Appraisals for Higher-Priced Mortgage Loans AGENCY: Board of Governors of the Federal Reserve System (Board... for ``higher-risk mortgages.'' For certain mortgages with an annual percentage rate that exceeds the...

  17. 78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-02-13

    ... Part 1222 Appraisals for Higher-Priced Mortgage Loans; Final Rule #0;#0;Federal Register / Vol. 78, No... Part 1222 RIN 2590-AA58 Appraisals for Higher-Priced Mortgage Loans AGENCY: Board of Governors of the... requiring appraisals for ``higher-risk mortgages'' that was added to TILA by the Dodd-Frank Wall Street...

  18. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

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

  19. Public Service Loan Forgiveness. NASFAA Task Force Report

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

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

  20. 77 FR 43149 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-07-24

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

  1. 77 FR 14307 - Water and Waste Disposal Loans and Grants

    Science.gov (United States)

    2012-03-09

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

  2. 38 CFR 36.4377 - Transfer of insured loans.

    Science.gov (United States)

    2010-07-01

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

  3. 24 CFR 213.269 - Endorsement of supplementary loans.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Endorsement of supplementary loans. 213.269 Section 213.269 Housing and Urban Development Regulations Relating to Housing and Urban... Endorsement of supplementary loans. The provisions of §§ 213.266, 213.267, and 213.268 shall apply to...

  4. 7 CFR 1779.84 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Additional loans or advances. 1779.84 Section 1779.84 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF... advances. The lender will not make additional expenditures or new loans to the borrower without first...

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

    African Journals Online (AJOL)

    The limited availability of conventional collaterals in rural financial markets has led to the acceptance of non-traditional methods of loan security referred to as collateral substitutes. This paper reviews loan collaterals and collateral substitutes in the rural financial markets of developing countries. Keywords:: Collaterals ...

  6. 13 CFR 307.9 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving Loan Fund Plan. 307.9 Section 307.9 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE... the Plan titled “Revolving Loan Fund Strategy” shall summarize the Region's CEDS or EDA-approved...

  7. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

    .... Loan funds may not be used to finance: (a) Facilities which are not modest in size, design, and cost; (b) Loan or grant finder's fees; (c) The construction of any new combined storm and sanitary sewer facilities; (d) Any portion of the cost of a facility which does not serve a rural area; (e) That portion of...

  8. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

    ...) Working capital required for the initial operation of a new system. (c) RUS will not make loans to finance... of the consumer, except qualifying items included in a loan for demand side management or energy... consumers who are not RE Act beneficiaries unless those facilities are necessary and incidental to providing...

  9. 7 CFR 1735.95 - Unadvanced loan funds.

    Science.gov (United States)

    2010-01-01

    ... All Acquisitions and Mergers § 1735.95 Unadvanced loan funds. (a) The unadvanced loan funds of a borrower that will not be a survivor of an acquisition or merger shall be advanced only to the survivor and... in the construction fund shall be used to finance facilities outside areas to be served by projects...

  10. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

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

  11. Evaluating competition in the loan and deposit market using the ...

    African Journals Online (AJOL)

    The study evaluates competition in the loan and deposit market using the new empirical industrial organisation method of the Boone indicator for the period 2010 to 2015. The study reveals a number of interesting results. Competition was more intense in the market for loans than in the deposit market. There was more ...

  12. The Student-Loan System Needs a Major Overhaul

    Science.gov (United States)

    Hess, Frederick, M.; Squire, Juliet

    2007-01-01

    In September 2007, Congress voted to cut subsidies to lenders in the federal guaranteed-student-loan program and use much of the savings to increase student aid. Congress also passed other significant provisions, including modified repayment periods and loan forgiveness for certain students. Such legislation came on the heels of New York Attorney…

  13. Guaranteed Student Loans: A Background Paper. Report No. 1.

    Science.gov (United States)

    National Commission on Student Financial Assistance, Washington, DC.

    The Guaranteed Student Loan (GSL) program's current operations, legislative history, and growth are reviewed, along with research needs. GSLs are made by lenders to college students, and the federal government guarantees them and provides incentive payments to lenders and subsidy payments on behalf of students until loan repayment begins. Today,…

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

    Science.gov (United States)

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

    2010-01-01

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

  15. 38 CFR 36.4307 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    Hsu, Chungwen; Fisher, Patti J.

    2016-01-01

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

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

    African Journals Online (AJOL)

    rbr

    (2) Loan word survey — Translation of the questionnaire (with in Columns A and B: L = loan word, and I = (more) indigenous word; and in Column C: the English translation). Hello! Choose from A and B those words which, according to you, should be included in a Northern So- tho dictionary. You may choose either A or B, ...

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

    African Journals Online (AJOL)

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

  19. 7 CFR 1427.19 - Repayment of loans.

    Science.gov (United States)

    2010-01-01

    ... subsequently designated by the producer in the manner prescribed by CCC may redeem one or more bales of cotton pledged as collateral for a loan by payment to CCC of an amount applicable to the bales of cotton being... writing in a manner prescribed by CCC may repay the loan amount for one or more bales of cotton pledged as...

  20. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

    ... Service 7 CFR Part 1735 RIN 0572-AC24 Expansion of 911 Access; Telecommunications Loan Program AGENCY... access and integrated emergency communications systems in rural areas for the Telecommunications Loan... Villano, Assistant Administrator, Telecommunications Program, USDA--Rural Utilities Service, 1400...

  1. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

    ... AGENCY 12 CFR Part 1290 RIN 2590-AA38 Federal Home Loan Bank Community Support Amendments AGENCY: Federal... Agency (FHFA) is proposing to amend its community support regulation by requiring the Federal Home Loan... biennial community support statements containing their most recent CRA evaluations. Instead, the Banks...

  2. 75 FR 16821 - Insured Healthcare Facilities 232 Loan Application

    Science.gov (United States)

    2010-04-02

    ... URBAN DEVELOPMENT Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief... lists the following information: Title of Proposal: Insured Healthcare Facilities 232 Loan Application... provided is the application for HUD/FHA multifamily mortgage insurance. The information form sponsors and...

  3. 7 CFR 1980.420 - Loan guarantee limits.

    Science.gov (United States)

    2010-01-01

    ...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.420 Loan guarantee... factors involved, including but not limited to: (1) Borrower's management. The borrower's management, and when appropriate, equity capital, history of operation, marketing plan, raw material requirements, and...

  4. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

    ... business, to an insured, under a loan right contained in a life insurance policy and in which the cash... purposes of this limitation. (10) Loans made to or from a foreign person that meet the requirements of..., registered broker-dealer, or clearing organization are not reduced for those making deposits of money, and...

  5. Bank loan loss provisions research: A review

    Directory of Open Access Journals (Sweden)

    Peterson K. Ozili

    2017-09-01

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

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

    NARCIS (Netherlands)

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

    1995-01-01

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

  7. 76 FR 61341 - Maximum Loan Amount Available for B&I Guaranteed Loans in Fiscal Year 2012

    Science.gov (United States)

    2011-10-04

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount Available for B&I Guaranteed Loans in Fiscal Year...) allows the Rural Development Administrator, at the Administrator's discretion, to grant an exception to...

  8. 76 FR 22078 - Maximum Loan Amount Available for B&I Guaranteed Loans in Fiscal Year 2011

    Science.gov (United States)

    2011-04-20

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount Available for B&I Guaranteed Loans in Fiscal Year...) allows the Rural Development Administrator, at the Administrator's discretion, to grant an exception to...

  9. How to Submit a Proposal to ONR

    Science.gov (United States)

    2012-08-01

    Click to edit Master title style How   to  Submit  a  Proposal  to  ONR   Navy  Gold  Coast  Small  Business  Procurement...control number. 1. REPORT DATE AUG 2012 2. REPORT TYPE 3. DATES COVERED 00-00-2012 to 00-00-2012 4. TITLE AND SUBTITLE How to Submit a Proposal to

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

    Science.gov (United States)

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

    2017-09-01

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

  11. 7 CFR 772.10 - Transfer and assumption-AMP loans.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.23 Requirements for lending from Revolving Loan Fund...

  13. 7 CFR 1703.303 - Eligibility criteria for deferment of loan payments.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.303 Eligibility criteria for deferment of loan payments. The deferment of loan... 7 Agriculture 11 2010-01-01 2010-01-01 false Eligibility criteria for deferment of loan payments...

  14. 13 CFR 120.1860 - How will the SISMBD Loan be disbursed?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How will the SISMBD Loan be...-Dealers (SISMBD Loan Program) § 120.1860 How will the SISMBD Loan be disbursed? (a) Loan proceeds will be... other Collateral required by SBA and verification of the required first lien position. SBA will advance...

  15. 7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Warehouse-stored marketing assistance loan collateral...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND... Marketing Assistance Loans § 1421.106 Warehouse-stored marketing assistance loan collateral. (a) A commodity...

  16. 12 CFR 614.4325 - Purchase and sale of interests in loans.

    Science.gov (United States)

    2010-01-01

    ... the purposes of this subpart, the following definitions shall apply: (1) Interests in loans means... transactions involving a pool of loans, including servicing rights. (2) Lead lender means a lending institution... assigns an interest or interests in such loan to one or more other lenders. (3) Loan means any extension...

  17. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Science.gov (United States)

    2010-10-01

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

  18. 42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

    Science.gov (United States)

    2010-10-01

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

  19. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Special terms: loans to less than half-time student... (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.32 Special terms: loans to less than half-time student borrowers. (a) The promissory note...

  20. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

    ... being financed (h) Requirements that loan terms and conditions are appropriate for the loan; and (i... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Lending policies and loan underwriting standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  1. 7 CFR 3560.67 - Rates and terms for section 515 loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Rates and terms for section 515 loans. 3560.67... § 3560.67 Rates and terms for section 515 loans. Rates and terms for farm labor housing loans are found...'s initial and subsequent loans. (c) Amortization period and term. (1) Except for manufactured...

  2. 12 CFR 925.9 - Makes long-term home mortgage loans requirement.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Makes long-term home mortgage loans requirement... loans requirement. An applicant shall be deemed to make long-term home mortgage loans as required by... originates or purchases long-term home mortgage loans. ...

  3. 25 CFR 103.15 - Are there any prohibited loan terms?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Are there any prohibited loan terms? 103.15 Section 103... there any prohibited loan terms? A loan agreement guaranteed or insured under the Program may not... in writing; (c) A loan repayment term of over 30 years; (d) Payments scheduled less frequently than...

  4. 7 CFR 3560.566 - Loan and grant rates and terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan and grant rates and terms. 3560.566 Section 3560..., DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Off-Farm Labor Housing § 3560.566 Loan and grant rates and terms. (a) Amortization period. The loan will be amortized over a period not to...

  5. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Supplement: Maximum loan value of margin stock... FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U) § 221.7 Supplement: Maximum loan value of margin stock and other collateral. (a) Maximum loan value of margin stock. The maximum loan...

  6. 25 CFR 101.3 - Eligible borrowers under United States direct loan program.

    Science.gov (United States)

    2010-04-01

    ... loan program on a reservation will be accompanied by reasons for need, estimate of financing needs, and... 25 Indians 1 2010-04-01 2010-04-01 false Eligible borrowers under United States direct loan... ACTIVITIES LOANS TO INDIANS FROM THE REVOLVING LOAN FUND § 101.3 Eligible borrowers under United States...

  7. 7 CFR 1610.10 - Determination of interest rate on Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan..., shall bear interest at the rate determined as established below, but not less than 5 percent per annum...

  8. 13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

    Science.gov (United States)

    2010-01-01

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

  9. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

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

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

    Science.gov (United States)

    2013-05-01

    .... Loans eligible for repayment include educational loans made for one or more of the following: Loans for tuition expenses; other reasonable educational expenses, including fees, books, and laboratory expenses..., Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary Medicine Loan...

  11. 12 CFR 617.7430 - Are institutions required to participate in state agricultural loan mediation programs?

    Science.gov (United States)

    2010-01-01

    ... state agricultural loan mediation programs? 617.7430 Section 617.7430 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS Distressed Loan Restructuring; State Agricultural Loan Mediation Programs § 617.7430 Are institutions required to participate in state agricultural loan mediation...

  12. 13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

  13. Technical Facilities Management, Loan Pool, and Calibration

    Science.gov (United States)

    Smith, Jacob

    2011-01-01

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

  14. Libraries in Colorado: MedlinePlus

    Science.gov (United States)

    ... JavaScript. Aurora University of Colorado-Anschutz Medical Campus Interlibrary Loan/DocDel Mail Stop A003 Health Sciences Library 12950 ... 2171 Pueblo Colorado State University-Pueblo University Library Interlibrary Loan Dept. 2200 Bonforte Blvd. Pueblo, CO 81001-4901 ...

  15. Data Collection Methods. Semi-Structured Interviews and Focus Groups

    Science.gov (United States)

    2009-01-01

    library services are used the most often? (borrowing books, reserving books online, interlibrary loan , research classes) 9. What could the library do...reserve books online? c. PROBE: How often do you use interlibrary loan ? d. PROBE: What other service have you used often? 7. What could the library

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

    Science.gov (United States)

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

    2017-01-01

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

  17. Analysis of Third Party Loan Guarantee and Performance of Non-Prime Household Loans in Microfinance Banks in Kenya

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

    Full Text Available Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performance of Microfinance Banks. It is still unknown why the credit risk affects the performance of non-prime household loans in the Microfinance Banks domiciled in Kenya. The reason for conducting this study is to determine the level at which the third party loan guarantee and the performance of non-prime household loans relate to the Microfinance Banks in Kenya. Particularly, this study is to determine how the amount secured by guarantee, recoveries from guarantors, percentage of loan secured, and percentage recoveries from guarantors relate to the performance of nonprime household loans in the Microfinance Banks in Kenya. The population was 516 senior management employees of the banks. The researcher conducted a multiple regression analysis for determining the relationship between the amount secured by guarantee—recoveries from guarantors, percentage granted, and percentage recoveries—and the performance of non-prime household loans. The R and R2 were used for determining the strength of the relationship and the coefficient of determination at 0.05 level of significance of variables. The result of this study reveals that there exists a strong relationship between the dependent and independent variables, thereby contradicting the null hypothesis, which states that the relationship does not exist. The percentage of the recoveries from the guarantors over the

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

    Directory of Open Access Journals (Sweden)

    Aliona SARGO

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  20. Macroeconomic and Institutional Determinants of Non-performing Loans

    National Research Council Canada - National Science Library

    Svetozar Tanasković; Maja Jandrić

    2015-01-01

    .... Research is focused on selected CEEC and SEE countries in the period 2006- 2013. For our analysis we use static panel model approach with the logarithm of share of NPLs to total loans as a dependent variable...

  1. Political connections, media monitoring and long-term loans

    National Research Council Canada - National Science Library

    Deming Yang Zhengfei Lu Danglun Luo

    2014-01-01

    We analyze data on Chinese non-state-listed firms and find that it is easier for firms with political connections to obtain long-term loans with extended debt maturities than it is for firms without...

  2. 5 CFR 1655.2 - Eligibility for loans.

    Science.gov (United States)

    2010-01-01

    ... employee contributions and attributable earnings in his or her account; and (e) The participant has not had a TSP loan declared a taxable distribution within the last 12 months for any reason other than a...

  3. 7 CFR 4280.125 - Terms of loan.

    Science.gov (United States)

    2010-01-01

    ... conditions of renewable energy and energy efficiency subsidies, tax credits, and other such incentives. (g) A... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy Efficiency...

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

    African Journals Online (AJOL)

    rbr

    primary language" and "home language" for "mother tongue". 2. We are aware of the fact that a great deal of linguistic research has been devoted to what linguists variously call 'loan words', 'borrowings', 'adoptives', 'transliterations', etc. In this.

  5. U.S. Overseas Loans and Grants (Greenbook)

    Data.gov (United States)

    US Agency for International Development — This dataset is used to produce the "U.S. Overseas Loans and Grants" publication, known as the "Greenbook". The annual report to Congress on U.S foreign assistance...

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

    Science.gov (United States)

    2010-04-01

    ... prior approval of the Secretary. The Secretary's decision will be based upon all relevant factors... property and prepare a report on its condition for placement in the loan file. If the lender determines...

  7. 7 CFR 1421.10 - Loan repayment rates.

    Science.gov (United States)

    2010-01-01

    ... grain rice, medium grain rice, and confectionery and each other kind of sunflower seed (other than oil... repay a marketing assistance loan under this section for confectionery and each other kind of sunflower...

  8. 75 FR 23219 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2010-05-03

    ... provide loans to family farmers to purchase real estate and equipment and finance agricultural production... conservation contracts), buyout at market value, and homestead protection. FSA also services borrowers who file...

  9. 13 CFR 400.214 - Participations in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... loans; (3) Steel company suppliers or customers, who are interested in participating as a means of commencing or solidifying the supplier or customer relationship with the borrower; or (4) Any other entity...

  10. Ocena wartości zamówień międzybibliotecznych

    Directory of Open Access Journals (Sweden)

    Jeszke Łukasz

    2017-12-01

    Full Text Available In the context of the current situation and forecasts for the Interlibrary Loan service in Poland, the article presents the evaluation concept of the value of ILL orders. It is a qualitative approach to the ILL service, assessing orders using e. g. guidelines issued by the Ministry of Science and Higher Education. Citation from Web of Science and Scopus databases were used, as well as an analysis using the Impact Factor and journal values from the Unified List of Scientific Journals (by Ministry of Science and Higher Education. The basis for the analysis are interlibrary orders submitted by students, PhD students and employees of the Poznan University of Technology in 2016. The evaluation confirms the high value of these orders among all user groups and the wide range of publications types our patrons need.

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

    OpenAIRE

    Aliona SARGO

    2013-01-01

    Financial institutions present on the market become more attentive when they have to give loans to the agriculture sector. The lack of necessary guarantees the low profit registered in agricultural district, economy instability and other things had and continue to have a negative impact on the evolution of agricultural sector, this being seen as one with a high level of risk. Commercial banks use less own funds for lending to agriculture and especially when the loans are guaranteed from vario...

  12. Foreign loans by multinational banks: evidence from Dutch data

    OpenAIRE

    ter Wengel, J.; Visser, H.

    1998-01-01

    The purpose of this paper is to examine the relationship between the foreign loan activity of multinational banks and their foreign representation. The investigation of this relationship is important because it shows that the activities of multinational banks cannot be described by an all-encompassing definition such as international banking. The maturity structure of foreign bank loans was employed to disentangle two distinct areas of multinational bank activity and show that the two areas p...

  13. Syndicated loans in shipping under the prism of project financing

    OpenAIRE

    Σκοτίδα, Μαρίνα

    2006-01-01

    What we attempt in this thesis is to draw a parallel between the above mentioned framework that exists in syndicated loans in shipping with the equivalent existing in another financing instrument, project finance. We begin by describing the basic characteristics of syndicated loans in order to document the rationale for syndication both from the lenders and borrower’s side. In the next section we refer to project finance and we extensively discuss matters concerning financial structure and ri...

  14. DETERMINANT FACTORS OF THE MORTGAGE LOANS DYNAMICS IN ROMANIA

    OpenAIRE

    Luca, Alina

    2012-01-01

    Considering the situation created by the global financial crisis, the Romanian banking system has gone from excess of liquidity to deficit, namely from an aggressive lending activity to a significant reduction of credit growth rate. Therefore, in the conditions of uncertainty caused by economic and financial crisis became obvious the deterioration of loan portfolio quality. The aim of this article is to show the determinant factors of mortgage loan dynamics, the correlations between lending a...

  15. 13 CFR 120.1830 - What are the terms and conditions of an SBA loan to an SISMBD?

    Science.gov (United States)

    2010-01-01

    ... Market Broker-Dealers (SISMBD Loan Program) § 120.1830 What are the terms and conditions of an SBA loan... disburse funds under the SISMBD Loan. Substitution of collateral during the term of the loan generally will... term of the SISMBD Loan. (g) Default. If for any reason an SISMBD is unable to make payment to SBA when...

  16. 78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-09-25

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct... formulas for determining the interest rates charged to borrowers for loans made under the ] Direct Loan... Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2013, have a fixed interest rate...

  17. ANALISIS PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, TERHADAP RETURN ON ASSET

    OpenAIRE

    IMAM SAHID SUKAMTO, ANDI

    2015-01-01

    2015 ABSTRAK ANDI IMAM SAHID SUKAMTO, A211 11 115, Influence Analysis of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Operational Expense Operational Income (BOPO) towards Return On Asset (ROA) (supervised by Prof. Dr. Nurdin Brasit, SE.,M.Si and Drs. Kasman Damang, ME). This research used time series data from Bank Indonesia???s year???s published financial report of General Bank. After passed the purpossive sample phase, the number of valid ...

  18. 20 CFR 405.333 - Submitting documents.

    Science.gov (United States)

    2010-04-01

    ... Employees' Benefits SOCIAL SECURITY ADMINISTRATION ADMINISTRATIVE REVIEW PROCESS FOR ADJUDICATING INITIAL DISABILITY CLAIMS Administrative Law Judge Hearing § 405.333 Submitting documents. All documents prepared and... fullest extent practicable and delivered or mailed to the administrative law judge within the time frames...

  19. 31 CFR 103.81 - Submitting requests.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Submitting requests. 103.81 Section 103.81 Money and Finance: Treasury Regulations Relating to Money and Finance FINANCIAL RECORDKEEPING... which the request is made. (b) A request filed by a corporation shall be signed by a corporate officer...

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

    Directory of Open Access Journals (Sweden)

    Yunik Eva Sarlina

    2016-05-01

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

  1. Investment banks in AIC – alternative loan

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2015-03-01

    Full Text Available Determining the status and problems of modern investment in agricultural enterprises, as well as ways to improve their financial security. The article deals with the essence of investments and their varieties. The dynamics of the securities portfolio of domestic banks and investments in agriculture. According to a study submitted proposals to increase investment banking businesses in the agricultural sector, which is necessary to create such conditions are not included in the calculation of the volume of investment regulations investment banking provided by agribusiness companies; availability of specialized banks, which will focus its resources on the development of agricultural enterprises; give banks the opportunity to issue special investment certificates, which received funds will be channeled exclusively on investing in the development of agricultural enterprises; for the above to create an appropriate legal framework.

  2. Międzynarodowa współpraca w zakresie wypożyczeń międzybibliotecznych - na przykładzie Wypożyczalni Międzybibliotecznej Biblioteki Głównej Akademii Górniczo-Hutniczej

    Directory of Open Access Journals (Sweden)

    Fulara Irena

    2017-12-01

    Full Text Available The paper's main objective is to present the international cooperation of the Main Library of AGH University of Science and Technology’s Interlibrary Loans Department. Beginnings and development of interlibrary loans are shown - from traditional requests sent by post to orders placed using modern computer systems. The main part of the source material consists of documents created and originating in the Main Library of AGH UST such as loans requests registers and also data sheets kept for every cooperating library or institution. Statistical data from years 2007-2016 are presented. The paper shows how successful foreign cooperation influences effective and efficient interlibrary loan service.

  3. 13 CFR 120.330 - Who is eligible for an energy conservation loan?

    Science.gov (United States)

    2010-01-01

    ... conservation loan? SBA may make or guarantee loans to assist a small business to design, engineer, manufacture, distribute, market, install, or service energy devices or techniques designed to conserve the Nation's energy...

  4. 13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

    Science.gov (United States)

    2010-01-01

    ... of repayment, taking into consideration the following: (1) Character, reputation, and credit history... SBA Loan Program Requirements as defined in Section 120.10. Loans with de minimis value may, at the...

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

    Science.gov (United States)

    2010-07-01

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

  6. Determinants of non-performing loans: The case of Eurozone

    Directory of Open Access Journals (Sweden)

    Makri Vasiliki

    2014-01-01

    Full Text Available The purpose of the present study is to identify the factors affecting the non-performing loans rate (NPL of Eurozone’s banking systems for the period 2000-2008, just before the beginning of the recession. In our days, Eurozone is in the middle of an unprecedented financial crisis, calling into question the soundness of the banking systems of European countries. Looking at both macro-variables (e.g. annual percentage growth rate of gross domestic product, public debt as % of gross domestic product, unemployment and micro-variables (e.g. loans to deposits ratio, return on assets, return on equity, we investigate which factors determine NPL on aggregate level. Overall, our findings reveal strong correlations between NPL and various macroeconomic (public debt, unemployment, annual percentage growth rate of gross domestic product and bank-specific (capital adequacy ratio, rate of nonperforming loans of the previous year and return on equity factors.

  7. A New Measure of Competition in Indian Loan Market

    Directory of Open Access Journals (Sweden)

    Jugnu Ansari

    2013-11-01

    Full Text Available This study endeavours at measuring bank competition in Indian loan market using a new competitiveness index, the Augmented Relative Profit Difference (ARPD, which quantifies the impact of marginal costs on performance, measured in terms of market shares. This study yields two major insights. First, the theoretical foundation of the ARPD is very robust as compared to other conventional measures. Second, applying this unbiased competition indicator to Indian bank loan markets shows that financial reform indeed has contributed to significant improvements in competition. As regards, the competition among specific types of banks, we found public sector banks and private sector banks are comparatively more competitive than foreign banks. The empirical finding indicates that the Indian loan market is monopolistic in nature.

  8. A Checklist for Submitting Your Risk Management Plan (RMP)

    Science.gov (United States)

    Important information about 2014 submissions and a checklist to consider in preparing and resubmitting a 5-year update, as required by 40 CFR part 68. Use the RMP*eSubmit software application, which replaced RMP*Submit.

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2010-05-01

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

  10. Faktor-Faktor yang Mempengaruhi Loan To Deposit Ratio pada Bank Pembangunan Daerah di Indonesia

    OpenAIRE

    Christin Juniarta S.

    2013-01-01

    The formulation of the problem in this research is "Do Capital Adequacy Ratio, Non Performing Loan, and Operating Efficiency Ratio influence and significant on Loan to Deposit Ratio at Regional Development Bank in Indonesia?''. The purpose of this research is to analyse about the effect of Capital Adequacy Ratio, Non Performing Loan, and Operating efficiency ratio on Loan to Deposit Ratio at Regional Development Bank in Indonesia. The hypothesis in this research is Capital Adequacy Ratio, ...

  11. The Impact of Macro-Economic Factors on Housing Loan Demand in Singapore

    OpenAIRE

    Hoang, Phuong Mai

    2008-01-01

    The research aims to evaluate trends and macro economic factors which have influence in the demand of the housing mortgage loan in Singapore. The study is to provide the insight of demand of housing mortgage loan in Singapore over last thirty years and the conclusively important factors that have highly positive effects on the growth of the market and the potential future for the loan market in Singapore. The study intends to demonstrate that the housing mortgage loan in Singapore is not affe...

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

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    We consider the dynamics of the Danish mortgage loan system and propose several models to reflect the choices of a mortgagor as well as his attitude towards risk. The models are formulated as multi stage stochastic integer programs, which are difficult to solve for more than 10 stages. Scenario...... reduction and LP relaxation are used to obtain near optimal solutions for large problem instances. Our results show that the standard Danish mortgagor should hold a more diversified portfolio of mortgage loans, and that he should rebalance the portfolio more frequently than current practice....

  13. Microfinance and loan officers’ work experiences: perspectives from Zambia

    OpenAIRE

    Siwale, Juliana

    2016-01-01

    The article studies the challenges faced by microfinance institutions in Zambia, whose remit it is to provide financial services to the poor. It focuses on loan officers – the agents of delivery on the ground. With reference to loan officers’ experiences and words, the paper examines how gender and class shape and structure their day to day encounters. The study finds that different social spaces -‘the office’ and ‘the field’ – and wider context explains the gendered, culturally complex and m...

  14. MACROECONOMIC DETERMINANTS OF BAD LOANS IN BALTIC COUNTRIES AND ROMANIA

    Directory of Open Access Journals (Sweden)

    Liliana DONATH

    2014-12-01

    Full Text Available The 2008–09 global crisis raised debates concerning the determinants of financial vulnerability. Among these, bad loans have been identified as significantly influencing financial imbalances. After a decade in which borrowing has constantly grown mainly because of the deregulation of financial markets, the crisis highlighted the importance of an effective credit risk management. The purpose of the paper is to study the evolution of bad loans ratio in relation with selected macroeconomic indicators in the Baltic countries (Estonia, Latvia and Lithuania and Romania.

  15. Modelling loans and deposits during electoral years i n Romania

    Directory of Open Access Journals (Sweden)

    Nicolae - Marius JULA

    2015-06-01

    Full Text Available This paper analyzes the effect of electoral years on loans and deposits for population in Romania. Using monthly data regarding the total loans and deposits, we identify the significance of the electoral timing on population´s behavior regarding financial decisions. We estimate that there are small changes in population´s affinity for increase in the indebtedness or for savings. We use dummy variables for electoral periods, and when these are econometrically significant there is an evidence of the influence of the electoral timings in population´s financial decisions.

  16. 78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

    Science.gov (United States)

    2013-02-27

    ... consumption, savings, homeownership, household formation, entrepreneurship, and other indicators of economic... encourage the development of more affordable loan repayment mechanisms for private student loan borrowers... economic incentive to modify the loan, as the net present value (NPV) of the restructured debt may be...

  17. 78 FR 45283 - Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013

    Science.gov (United States)

    2013-07-26

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

  18. 77 FR 46550 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012

    Science.gov (United States)

    2012-08-03

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

  19. 77 FR 71668 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013

    Science.gov (United States)

    2012-12-03

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

  20. 78 FR 26680 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013

    Science.gov (United States)

    2013-05-07

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

  1. 77 FR 25010 - Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012

    Science.gov (United States)

    2012-04-26

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

  2. 78 FR 5555 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013

    Science.gov (United States)

    2013-01-25

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

  3. 76 FR 44976 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2011

    Science.gov (United States)

    2011-07-27

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

  4. 78 FR 65416 - Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014

    Science.gov (United States)

    2013-10-31

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

  5. 76 FR 66769 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012

    Science.gov (United States)

    2011-10-27

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

  6. 77 FR 4854 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012

    Science.gov (United States)

    2012-01-31

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

  7. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 Column A—Description 2,3,4 Column B—Interest rate Column C... mortgage loans on real estate investments has been written down or reserved against, describe the item and...

  8. 7 CFR 4280.26 - Administration and operation of the Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Administration and operation of the Revolving Loan...) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development Loan and Grant Programs § 4280.26 Administration and operation of the...

  9. 7 CFR 1703.306 - Limitation on funds derived from the deferment of loan payments.

    Science.gov (United States)

    2010-01-01

    ... loan payments. 1703.306 Section 1703.306 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.306 Limitation on funds derived from the deferment of loan...

  10. 7 CFR 1703.309 - Terms of repayment of deferred loan payments.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.309 Terms of repayment of deferred loan payments. (a) Deferments made to enable... 7 Agriculture 11 2010-01-01 2010-01-01 false Terms of repayment of deferred loan payments. 1703...

  11. 7 CFR 1703.311 - Application procedures for deferment of loan payments.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.311 Application procedures for deferment of loan payments. (a) A borrower applying... 7 Agriculture 11 2010-01-01 2010-01-01 false Application procedures for deferment of loan payments...

  12. 7 CFR 4280.38 - Maximum amount of loans or Grants.

    Science.gov (United States)

    2010-01-01

    ... SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Economic Development... 7 Agriculture 15 2010-01-01 2010-01-01 false Maximum amount of loans or Grants. 4280.38 Section..., Rural Development will publish an announcement of available loan and Grant funds and will indicate the...

  13. 7 CFR 1703.304 - Restrictions on the deferment of loan payments.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Deferments of RUS Loan Payments for Rural Development Projects § 1703.304 Restrictions on the deferment of loan payments. (a) The deferment must not... 7 Agriculture 11 2010-01-01 2010-01-01 false Restrictions on the deferment of loan payments. 1703...

  14. 36 CFR 1228.14 - How will NARA handle a loan request?

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How will NARA handle a loan... ADMINISTRATION RECORDS MANAGEMENT LOAN OF PERMANENT AND UNSCHEDULED RECORDS § 1228.14 How will NARA handle a loan request? (a) NARA will review the request and, if it is approved, return the signed agreement to the...

  15. 75 FR 23794 - FHA-Insured Mortgage Loan Servicing of Payments, Prepayments, Terminations, Assumptions and...

    Science.gov (United States)

    2010-05-04

    ... URBAN DEVELOPMENT FHA Insured Mortgage Loan Servicing of Payments, Prepayments, Terminations... (mortgagees) servicing FHA-Insured mortgage loans. This information concerns detailed loan. The information is... Mortgage Insurance Fund. DATES: Comments Due Date: June 3, 2010. ADDRESSES: Interested persons are invited...

  16. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Science.gov (United States)

    2010-01-01

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

  17. 12 CFR 221.107 - Arranging loan to purchase open-end investment company shares.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Arranging loan to purchase open-end investment... PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.107 Arranging loan to purchase open-end investment company shares. For text of the interpretation on Arranging loan to purchase...

  18. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  19. 12 CFR 221.109 - Loan to open-end investment company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loan to open-end investment company. 221.109... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.109 Loan to open-end investment company. In response to a question regarding a possible loan by a bank to an open-end investment company that...

  20. 12 CFR 201.104 - Eligibility of consumer loans and finance company paper.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1980.345 - Applicant eligibility requirements for a guaranteed loan.

    Science.gov (United States)

    2010-01-01

    ... is used to determine eligibility for the RHS loan guarantee. (b) Adequate and dependable income. The... collections within the last 12 months (utility bills, hospital bills, etc.). (vii) Collection accounts... previous loan, a loan guarantee shall not be issued unless RHS determines the RHS loss was beyond the...

  2. 24 CFR 882.409 - Contract rents at end of rehabilitation loan term.

    Science.gov (United States)

    2010-04-01

    ... rehabilitation loan term. 882.409 Section 882.409 Housing and Urban Development Regulations Relating to Housing... term. For a Contract where the initial Contract Rent was based upon a loan term shorter than 15 years... following the end of the term of the rehabilitation loan. The amount of the reduction will be the monthly...

  3. 77 FR 44239 - Application for Long-Term Loan or Financial Guarantee

    Science.gov (United States)

    2012-07-27

    ... UNITED STATES Application for Long-Term Loan or Financial Guarantee Reason for Notice This Notice is to... long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with... final commitment for a long-term loan or financial guarantee in excess of $100 million. Reference...

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

    NARCIS (Netherlands)

    Kirschenmann, K.

    2010-01-01

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

  5. 12 CFR 584.2-1 - Prescribed services and activities of savings and loan holding companies.

    Science.gov (United States)

    2010-01-01

    ... warehousing of such real estate loans, except that such a company or subsidiary shall not invest in a loan... installed therein), including brokerage and warehousing of such chattel paper; (iii) Loans, with or without... other multiple holding companies and affiliates thereof: (i) Data processing; (ii) Credit information...

  6. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 3560.505 - Agency loans to finance purchases of REO properties.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Agency loans to finance purchases of REO properties... Disposition of Real Estate Owned (REO) Properties § 3560.505 Agency loans to finance purchases of REO properties. (a) Agency loans to finance the purchase of REO property designated to be sold as program...

  8. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaces EBC DP 2010-032)

    NARCIS (Netherlands)

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

    2012-01-01

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

  9. 7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

    Science.gov (United States)

    2010-01-01

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

  10. 24 CFR 290.27 - Up-front grants and loans.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Up-front grants and loans. 290.27... MULTIFAMILY MORTGAGES Disposition of Multifamily Projects § 290.27 Up-front grants and loans. (a) General. HUD may provide up-front grants and loans for rehabilitation, demolition, rebuilding and other related...

  11. 76 FR 31299 - Request for Applications for the Veterinary Medicine Loan Repayment Program

    Science.gov (United States)

    2011-05-31

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

  12. 75 FR 3193 - Application Package and Reporting Requirements for the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2010-01-20

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

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

    Science.gov (United States)

    Dillon, Erin

    2011-01-01

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

  14. 76 FR 79548 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2011-12-22

    ..., especially if the loan becomes delinquent and needs to be worked out. The Board also believes that any... and enter into written agreements when purchasing loan participations. As such, they will only need to...; ] NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701 and 741 RIN 3133-AE00 Loan Participations; Purchase...

  15. 77 FR 27015 - Announcement of Grant and Loan Application Deadlines and Funding Levels

    Science.gov (United States)

    2012-05-08

    ... need loan funds. Quantify the number of prospective borrowers or provide statistical or narrative... Rural Utilities Service Announcement of Grant and Loan Application Deadlines and Funding Levels AGENCY... establish a lending program for eligible entities. Eligible entities for the revolving loan fund will be the...

  16. 75 FR 14555 - Announcement of Grant and Loan Application Deadlines and Funding Levels

    Science.gov (United States)

    2010-03-26

    ... need loan funds. Quantify the number of prospective borrowers or provide statistical or narrative... amount of needs demonstrated in the proposal;. Excellent utilization of a previous revolving loan fund... Rural Utilities Service Announcement of Grant and Loan Application Deadlines and Funding Levels AGENCY...

  17. 34 CFR 682.301 - Eligibility of borrowers for interest benefits on Stafford and Consolidation loans.

    Science.gov (United States)

    2010-07-01

    ... benefits on a Stafford loan, a borrower must demonstrate financial need in accordance with Part F of the... Stafford and Consolidation loans. 682.301 Section 682.301 Education Regulations of the Offices of the... EDUCATION LOAN (FFEL) PROGRAM Federal Payments of Interest and Special Allowance § 682.301 Eligibility of...

  18. 7 CFR 3575.80 - Interest rate changes after loan closing.

    Science.gov (United States)

    2010-01-01

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

  19. 13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Congressional Budget Office, 2013

    2013-01-01

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

  1. 7 CFR 3560.455 - Special servicing actions related to loan accounts.

    Science.gov (United States)

    2010-01-01

    ... collection are discussed in § 3560.460. As part of a workout agreement, the Agency may agree to accept less than full monthly payment installments due on an Agency loan for a specified period of time, not to exceed the effective period of the workout agreement. (b) Loan reamortizations. A loan reamortization is...

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

    Science.gov (United States)

    2010-10-01

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

  3. 78 FR 37946 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2013-06-25

    ... credit union loan participation programs in comparison to banks. Commenters also expressed concern that... analysis and likely overstates the number of FICUs over the aggregate limit, as many credit unions purchase... mitigation measures; Analysis of the credit union's prior experience with this type of loan; The loan...

  4. 7 CFR 1782.23 - Use of Rural Development loans and grants for other purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Use of Rural Development loans and grants for other... § 1782.23 Use of Rural Development loans and grants for other purposes. (a) If, after making a loan or a...(d) of the Consolidated Farm and Rural Development Act (Pub. L. 87-128), as amended; and (3...

  5. 78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

    Science.gov (United States)

    2013-08-22

    ... Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/ Unsubsidized Stafford/Ford Loan Master Promissory Note AGENCY: Department of Education... of Collection: Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/Unsubsidized Stafford...

  6. 78 FR 11857 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-02-20

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

  7. 34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

    Science.gov (United States)

    2010-07-01

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

  8. 75 FR 23152 - Board of Directors of Federal Home Loan Bank System Office of Finance

    Science.gov (United States)

    2010-05-03

    ... Board of Directors of Federal Home Loan Bank System Office of Finance AGENCY: Federal Housing Finance..., the Federal Home Loan Bank System's (Bank System) Office of Finance issues debt (``consolidated... offices established by regulation by the former Federal Home Loan Bank Board (FHLBB), a predecessor agency...

  9. 38 CFR 36.4224 - Refinancing existing manufactured home loan including purchase of lot.

    Science.gov (United States)

    2010-07-01

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

  10. 38 CFR 36.4255 - Loans for the acquisition of a lot.

    Science.gov (United States)

    2010-07-01

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

  11. 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...

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

    Directory of Open Access Journals (Sweden)

    Setiyaningsih Setiyaningsih

    2015-08-01

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

  13. CATTLE PRODUCTIVE PERFORMANCE EVALUATION CONFINED SUBMITTED IMMUNOCASTRATION

    Directory of Open Access Journals (Sweden)

    J. M. Maluf

    2016-09-01

    Full Text Available In order to evaluate the performance and carcass characteristics of cattle cross breeds ½ Aberdeen Angus x ½Nelore and Nelore confined submitted to immunocastration 218 male animals were used, feedlot, averaging 342 kg, divided into three experimental groups, T1: 117 steers ½ Angus x ½ Nelore no castrated (ANC, T2: 51 Nelore steers uncastrated (NNC and T3: 50 Nellore steers immunocastrated (NIC. The experiment lasted 144 days of confinement. The selection of animals for group formation was according to the individual weight, breed, sex condition and age. For immunocastration it wasused Bopriva® vaccine. The rating was finished according to the parameter used by the meatpacking industry ranging from 1 to 5. The experimental design was completely randomized in three groups. For the analyzes the variables studied statistics were submitted to analysis of variance (ANOVA and Tukey test both at the 5% level of significance. The results showed differences (p <0.01 at various features of productive performance and carcass between treatments. For slaughter weight, the ANC animals were higher (with 582.1 kg to Nelore, regardless of sexual condition, and the NNC were in turn heavier than the NIC, 527.4 and 503.7 respectively. Finally, it observed that the use of immunocastration in Nellore animals provided a decrease in productive performance of confined animals, but provided better finish carcass similar to crossbred (ANC.

  14. 78 FR 65523 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2013-11-01

    ... automated valuation model. The security for the loan must still meet the requirements specified in 7 CFR 762...: Increasing the appraisal threshold to $250,000 results in eliminating the independent third party valuation... valuation methods as an appraisal, lenders' must use a formal process to estimate and document the property...

  15. 27 CFR 478.97 - Loan or rental of firearms.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 3 2010-04-01 2010-04-01 false Loan or rental of firearms. 478.97 Section 478.97 Alcohol, Tobacco Products, and Firearms BUREAU OF ALCOHOL, TOBACCO, FIREARMS, AND EXPLOSIVES, DEPARTMENT OF JUSTICE FIREARMS AND AMMUNITION COMMERCE IN FIREARMS AND AMMUNITION...

  16. Agricultural Loan Repayment Performance and its Determinants in ...

    African Journals Online (AJOL)

    The repayment performance of a total sample of two hundred and twenty (220) rural household agricultural loan beneficiaries from the rural credit markets in Imo State of Nigeria from a study conducted between October 1998 and March 1999 show an overall high repayment percentage of 78.33% with a default rate of about ...

  17. 77 FR 67329 - Information Collection Request, Servicing Minor Program Loans

    Science.gov (United States)

    2012-11-09

    ... ] Development Act (CONTACT, 7 U.S.C. 1981(b)), in part, authorizes the Secretary of Agriculture to modify... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request, Servicing Minor Program Loans AGENCY: Farm Service...

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

    African Journals Online (AJOL)

    Riette Ruthven

    Consequently, editors of AND consider the inclusion of the etymology of controversial loan-words as a solution. The etymological field, it must be noted, might perhaps be helpful to a language specialist such as a lexicographer or linguist, but hardly to the layperson or general user. A language specialist has both a practical ...

  19. 7 CFR 1737.50 - Review of completed loan application.

    Science.gov (United States)

    2010-01-01

    ... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is participating in a telecommunications modernization plan in the state where the proposed construction will occur...

  20. 7 CFR 4280.123 - Guaranteed loan funding.

    Science.gov (United States)

    2010-01-01

    ...; (3) The expected environmental benefits of the renewable energy system; (4) The extent to which the... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy... the renewable energy system or energy efficiency improvement. (1) Post-application purchase and...

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

    Science.gov (United States)

    Olorunsola, R.

    1995-01-01

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

  2. Determinants of rural farm loan repayment: implications for rural ...

    African Journals Online (AJOL)

    Determinants of rural farm loan repayment: implications for rural credit markets development in Imo State, Nigeria. JC Nwaru, CE Onyenweaku, EC Nwagbo, AC Nwosu. Abstract. No Abstract. Journal of Agriculture and Food Sciences Vol. 2 (1) 2004 pp. 57-67. Full Text: EMAIL FULL TEXT EMAIL FULL TEXT · DOWNLOAD ...

  3. 78 FR 58516 - Information Collection; Direct Loan Servicing-Regular

    Science.gov (United States)

    2013-09-24

    ... provide loans to family farmers to purchase real estate and equipment, and finance agricultural production... other for profit farms Estimated Annual Number of Respondents: 52,765. Estimated Number of Reponses per... collection of information is necessary for the proper performance of the functions of FSA, including whether...

  4. 12 CFR 618.8325 - Disclosure of loan documents.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Disclosure of loan documents. 618.8325 Section 618.8325 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Releasing... processing and marketing directly related to the borrower's operations and those of other eligible farmers...

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

    African Journals Online (AJOL)

    The discriminant function analysis revealed that amount of loan borrowed and education level made the highest positive contribution to the total discriminate score. A total of 62 farmer cooperators belonged to group 1 (credit worthy) while 38 of the farmer cooperators belonged to group 2 (noncredit worthy). The OLS multiple ...

  6. 42 CFR 60.51 - The student loan application.

    Science.gov (United States)

    2010-10-01

    ... not limited to, citizenship status and Social Security number. To comply with this requirement, the... naturalization papers, and an original Social Security card or copy issued by the Federal Government, or other... class year at the school for the period covered by the proposed HEAL loan, using a standard student...

  7. Farmers Utilization Of Loan Schemes Of The Nigerian Agricultural ...

    African Journals Online (AJOL)

    This study on utilization of loans was conducted in the five branches of theNigerian Agricultural and Cooperatives Bank (NACRDB), in Abia State Nigeria. Two farmer customers were sampled randomly in proportion to the category of the bank branch . Thirty-two (32) farmers who had mandatory savings with the bank were ...

  8. Evaluating Competition in the Loan and Deposit Market using the ...

    African Journals Online (AJOL)

    kirstam

    Key words: Competition, loan and deposit market, Boone indicator approach, Zimbabwe. Introduction. 1There has been a number of developments in the financial services sector since the 2008/9 global financial crisis that resulted from the collapse of the market for subprime mortgages in the United States of America.

  9. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

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

  10. 50 CFR 12.36 - Donation or loan.

    Science.gov (United States)

    2010-10-01

    ..., restrictions, conditions, or requirements which may apply to a particular species of wildlife or plant imposed..., tax-exempt charitable organization for use as food, but not for barter or sale. (e) Wildlife and plants may be loaned to government agencies (including foreign agencies) for official use. Each transfer...

  11. 75 FR 10194 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2010-03-05

    ... occupy the property. The real estate that secures the loan is the only security for the repayment of the... sector. Under section 202 of the UMRA, 2 U.S.C. 1532, RHS generally must prepare a written statement... expenditures to State, local, or tribal governments, in the aggregate, or to the private sector, of $100...

  12. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... and interest if the processor converts the in-process sugar into raw cane sugar or refined beet sugar... in-process sugar must be fully processed into raw cane sugar or refined beet sugar, before the... raw cane sugar or refined beet sugar, as appropriate, and the in-process loan rate the processor...

  13. 32 CFR 232.6 - Mandatory loan disclosures.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Mandatory loan disclosures. 232.6 Section 232.6 National Defense Department of Defense (Continued) OFFICE OF THE SECRETARY OF DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.6...

  14. 38 CFR 36.4337 - Conformance of loan instruments.

    Science.gov (United States)

    2010-07-01

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

  15. An Efficient Student Loan System: Case Study of Hungary

    Science.gov (United States)

    Berlinger, Edina

    2009-01-01

    The Hungarian student loan system was introduced in 2001. It has four main attributes: universal access and universal conditions; income contingent repayment; private funding; and self-sustaining (zero-profit) operation without direct state subsidy. This latter characteristic makes the scheme quite unique in international practice. Empirical facts…

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

    Science.gov (United States)

    2010-05-12

    ...] [FR Doc No: 2010-11225] DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct....usda.gov . Fax: 202-720-6797. You may also send comments to the Desk Officer for Agriculture, Office of... cash flow projections are based on actual production history, a loan is adequately secured, the...

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

    Science.gov (United States)

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

    2017-01-01

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

  18. 38 CFR 36.4223 - Interest rate reduction refinancing loan.

    Science.gov (United States)

    2010-07-01

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

  19. 24 CFR 280.55 - Loan and profit.

    Science.gov (United States)

    2010-04-01

    ... first mortgage and the refinancing is unrelated to a sale, equity withdrawal, lease or transfer of an..., the second mortgage held by HUD on the property will remain in force until the loan is repaid in full. (b) HUD-approval. (1) The family may request HUD approval of a sale, equity withdrawal or other...

  20. Gaps in the implementation of Uganda's students' loan scheme ...

    African Journals Online (AJOL)

    This study was conducted to examine the performance of the student loan scheme in Uganda. Making reference to related literature, views of selected stakeholders, and the performance of government's earlier lending programmes, the study identifies gaps in the performance of the scheme. These are in the areas of ...