WorldWideScience

Sample records for undergraduate stafford loan

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

    Science.gov (United States)

    Scherschel, Patricia M.

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

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

    Science.gov (United States)

    Brown, Chanda Denea

    2015-01-01

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

  3. 76 FR 71060 - Clarification of Duplication of Benefits Requirements Under the Stafford Act for Community...

    Science.gov (United States)

    2011-11-16

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

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

    National Research Council Canada - National Science Library

    1994-01-01

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

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

    Science.gov (United States)

    Nowicki, Jacqueline M.

    2014-01-01

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

  6. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

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

  7. 78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-01-25

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

  8. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Science.gov (United States)

    2013-08-29

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

  9. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

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

  10. 34 CFR 685.203 - Loan limits.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    Lucci, William, Jr.

    2005-01-01

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

  12. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

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

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

    Science.gov (United States)

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

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

  14. 75 FR 8394 - Quivira National Wildlife Refuge, Stafford, KS

    Science.gov (United States)

    2010-02-24

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

  15. 75 FR 29569 - Recovery Policy RP9526.1, Hazard Mitigation Funding Under Section 406 (Stafford Act)

    Science.gov (United States)

    2010-05-26

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

  16. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

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

  17. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

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

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

    Science.gov (United States)

    Scott, George A.

    2011-01-01

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

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

    Science.gov (United States)

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

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

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

    Science.gov (United States)

    Miller, Gavin

    2017-01-01

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

  1. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

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

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

    Science.gov (United States)

    1997-01-01

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

  3. Widening Participation in Higher Education: A Social Justice Analysis of Student Loans in Tanzania

    Science.gov (United States)

    Msigwa, Faustina M.

    2016-01-01

    Financing of higher education (HE) through provision of student loans has become the most popular strategy globally for funding undergraduate degrees; hence, widening participation in HE depends crucially on socially just distribution of loans. Tanzanian financial assistance policy aims to support students from low-socio-economic status (SES)…

  4. 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…

  5. Student Loan Debt: How Are the Funds Spent?

    Science.gov (United States)

    Wilbert, Janet M.; Haddad, Mahmoud

    2014-01-01

    The purpose for this research is to investigate the spending patterns of undergraduate and graduate students in a Tennessee, four-year, public institution. The cost of attending a college or university is often cited as the source for student loan debt spiraling out of control. Not to marginalize the impact that increasing tuition, fees, and books…

  6. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

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

  7. Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans*

    Science.gov (United States)

    Cadena, Brian C.; Keys, Benjamin J.

    2014-01-01

    This paper uses insights from behavioral economics to explain a particularly surprising borrowing phenomenon: One in six undergraduate students offered interest-free loans turn them down. Models of impulse control predict that students may optimally reject subsidized loans to avoid excessive consumption during school. Using the National Postsecondary Student Aid Study (NPSAS), we investigate students’ take-up decisions and identify a group of students for whom the loans create an especially tempting liquidity increase. Students who would receive the loan in cash are significantly more likely to turn it down, suggesting that consumers choose to limit their liquidity in economically meaningful situations. PMID:24839312

  8. Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans.

    Science.gov (United States)

    Cadena, Brian C; Keys, Benjamin J

    2013-10-01

    This paper uses insights from behavioral economics to explain a particularly surprising borrowing phenomenon: One in six undergraduate students offered interest-free loans turn them down. Models of impulse control predict that students may optimally reject subsidized loans to avoid excessive consumption during school. Using the National Postsecondary Student Aid Study (NPSAS), we investigate students' take-up decisions and identify a group of students for whom the loans create an especially tempting liquidity increase. Students who would receive the loan in cash are significantly more likely to turn it down, suggesting that consumers choose to limit their liquidity in economically meaningful situations.

  9. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

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

  10. Financial literacy and consumer loans

    OpenAIRE

    Lukešová, Martina

    2014-01-01

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

  11. SME loan defaults in Bangladesh

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

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

  12. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Mercè Cuenca

    2009-06-01

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

  14. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

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

  15. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

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

  16. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

    ... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.7 Loan and advance limitations and obligations incurred before loan closing. (a) WS and RCD loan limitations. (1) Loans will not be used for: (i... facilities primarily for the benefit of other than rural areas. (xvii) Any single RCD measure that requires a...

  17. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

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

  18. 7 CFR 3550.52 - Loan purposes.

    Science.gov (United States)

    2010-01-01

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

  19. SBA Disaster Loan Data FY2008

    Data.gov (United States)

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

  20. 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...

  1. SBA Disaster Loan Data FY2004

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2004 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  2. SBA Disaster Loan Data FY2007

    Data.gov (United States)

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

  3. SBA Disaster Loan Data FY2006

    Data.gov (United States)

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

  4. 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...

  5. SBA Disaster Loan Data FY2005

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2005 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  6. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  7. 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,…

  8. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

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

  9. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

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

  10. 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. ...

  11. 7 CFR 1421.111 - Loan settlement.

    Science.gov (United States)

    2010-01-01

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

  12. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

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

  13. Undergraduate Convexity

    DEFF Research Database (Denmark)

    Lauritzen, Niels

    Based on undergraduate teaching to students in computer science, economics and mathematics at Aarhus University, this is an elementary introduction to convex sets and convex functions with emphasis on concrete computations and examples. Starting from linear inequalities and Fourier-Motzkin elimin...

  14. Credit, usury and interest loans

    Directory of Open Access Journals (Sweden)

    Nicola Lorenzo Barile

    2010-06-01

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

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

    Science.gov (United States)

    1980-09-01

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

  16. Undergraduate Convexity

    DEFF Research Database (Denmark)

    Lauritzen, Niels

    Based on undergraduate teaching to students in computer science, economics and mathematics at Aarhus University, this is an elementary introduction to convex sets and convex functions with emphasis on concrete computations and examples. Starting from linear inequalities and Fourier-Motzkin elimin......Based on undergraduate teaching to students in computer science, economics and mathematics at Aarhus University, this is an elementary introduction to convex sets and convex functions with emphasis on concrete computations and examples. Starting from linear inequalities and Fourier......-Motzkin elimination, the theory is developed by introducing polyhedra, the double description method and the simplex algorithm, closed convex subsets, convex functions of one and several variables ending with a chapter on convex optimization with the Karush-Kuhn-Tucker conditions, duality and an interior point...... algorithm....

  17. 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.

  18. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

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

  19. Repayment policy for multiple loans.

    Directory of Open Access Journals (Sweden)

    Yasmin Agueda Rios-Solis

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

  20. 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...

  1. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

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

  2. 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

  3. 7 CFR 1421.102 - Adjustment of basic loan rates.

    Science.gov (United States)

    2010-01-01

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

  4. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

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

  5. 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...

  6. 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...

  7. 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...

  8. 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…

  9. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

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

  10. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

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

  11. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  12. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  14. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

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

    2011-01-01

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

  15. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

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

  16. Trouble Ahead for Student Loans?

    Science.gov (United States)

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

    The market for student loans may differ in some respects from other financial markets, but private lenders are the primary source of funds. As in other markets, the incentive to lend those funds comes from the ability to make a profit. But recent turmoil in financial markets is affecting all of the factors that contribute to the profitability of…

  17. Student Loans for Higher Education

    Science.gov (United States)

    Simons, Charlene Wear

    2008-01-01

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

  18. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

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

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

    International Nuclear Information System (INIS)

    1992-07-01

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

  20. Health-related quality of life of medical students in a Brazilian student loan programme.

    Science.gov (United States)

    Lins, Liliane; Carvalho, Fernando Martins; Menezes, Marta Silva; Porto-Silva, Larissa; Damasceno, Hannah

    2016-08-01

    This study aimed to evaluate the health-related quality of life of medical students participating in a large Brazilian government loan programme for undergraduate students in private schools.A cross-sectional study in a stratified sample of students from a private medical school in Salvador, Brazil, evaluated their health-related quality of life by using a Brazilian Portuguese version of the 36-item Short Form Health Survey questionnaire (SF-36).Students supported by the loan programme consistently presented lower mean scores in all SF-36 domains and in the physical and mental component summary scores than those who were not in the programme. Students supported by the loan programme presented systematically lower physical and mental component mean scores, after stratification by age, gender, school year, physical activity, sleepiness, headache, having a car, having a housemaid, living with family, and living in a rented house.The loan programme has enabled less wealthy undergraduate students to attend private medical schools in Brazil. However, this support is insufficient to improve students' health-related quality of life during medical school, as compared with students who do not participate in the programme. Because of a poorer health-related quality of life, students supported by the loan programme deserve special attention from private medical schools.

  1. 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...

  2. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

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

  3. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

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

  4. 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...

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

    NARCIS (Netherlands)

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

    2013-01-01

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

  6. 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...

  7. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

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

  8. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

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

  9. 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...

  10. Student Loans Reform in China: Problems and Challenges

    Science.gov (United States)

    Wei, Jianguo; Wang, Rong

    2009-01-01

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

  11. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

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

  12. Student loan debt and economic outcomes

    OpenAIRE

    Cooper, Daniel H.; Wang, J. Christina

    2014-01-01

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

  13. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Rates and terms-WS loans and WS advances and RCD... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.8 Rates and terms—WS loans and WS advances and RCD loans...

  14. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

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

  15. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

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

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

    Science.gov (United States)

    2010-07-01

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

  18. Elucidating Bioethics with Undergraduates.

    Science.gov (United States)

    Hoskins, Betty B.; Shannon, Thomas A.

    1977-01-01

    Discusses the importance of developing bioethics programs for undergraduate students. Two aspects are considered: (1) current areas of concern and sources of bibliographic information; and (2) problems encountered in undergraduate projects. A list of references is provided. (HM)

  19. Engaging Undergraduates in Economics

    Science.gov (United States)

    Gajwani, Kiran; Miron, Jeffrey

    2015-01-01

    Siegfried and Stock (2007) explore the undergraduate training of PhD economists. Their findings show that among U.S. undergraduate economics programs, the Harvard University Economics Department produces many eventual economics PhD recipients. In this article, the authors discuss Harvard's undergraduate economics program and highlight some key…

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

    Science.gov (United States)

    Scott, George A.

    2009-01-01

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

  1. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-10-01

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

  3. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-10-01

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

  5. 77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

    Science.gov (United States)

    2012-05-15

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

  6. Assessing bank competition for consumer loans

    NARCIS (Netherlands)

    Bolt, Wilko; Humphrey, David

    2015-01-01

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

  7. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

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

  8. Deeper in Debt: Women and Student Loans

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

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

  9. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

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

  10. 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.

  11. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

  12. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  13. 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...

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

    African Journals Online (AJOL)

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

  15. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  16. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

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

  17. A Database Management System for Interlibrary Loan.

    Science.gov (United States)

    Chang, Amy

    1990-01-01

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

  18. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

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

  19. アメリカの大学の基本財産と奨学金 : プリンストン大学のNo-Loan Policyに着目して

    OpenAIRE

    長野, 公則

    2013-01-01

    There was a steady rise in American college and university endowments during the five year from 2002 to 2007. The cost of attendance for undergraduate students increased substantially in many colleges and universities during this period. High tuition and high student loans became common in many colleges and universities. / This study focuses on the No-loan policy at Princeton University. This study compares the policies of the three universities - Princeton, Yale, and Harvard - through an ana...

  20. 7 CFR 766.355 - Acceleration of loans.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

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

  2. 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…

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

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

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

  4. 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...

  5. 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…

  6. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

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

  7. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  8. 42 CFR 60.51 - The student loan application.

    Science.gov (United States)

    2010-10-01

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

  9. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

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

  10. 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,…

  11. 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...

  12. 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...

  13. Debt and its use among Puerto Rican undergraduate students

    Directory of Open Access Journals (Sweden)

    Alice Abboud Chalhoub

    2015-11-01

    Full Text Available Student debt in the United States has been quickly increasing during the past decade. As to the first quarter of 2014, the student loan debt surpassed credit cards debt and auto loans. Puerto Rico ranks #17 by total debt among the United States and territories. Nonetheless, students in Puerto Rico have an average of $18,000 of student debt, positioning it at the lowest rank by average debt. This paper explores the debt phenomena among Puerto Rican undergraduate students. Specifically, we want to determine if students have debt, and if so, what type and how they spend it. A sample of 194 undergraduate students from a School of Business at a public higher education institution of Puerto Rico was surveyed. Results indicate that 28% of business students have debt. Female students were more susceptible to have debt. Furthermore, top expenses covered by debt are food, education, car expenses, clothing, and entertainment. The results reveal that 90 percent is not receiving counseling about debt management from the financial aid office. From those receiving the financial advising (10 percent, only 2 percent perceive it as useful. These results provide an exploratory look into the debt and its use among Puerto Rican undergraduate students.

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

    OpenAIRE

    D. Andrew Austin

    2010-01-01

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

  15. 5 CFR 1655.20 - Residential loans.

    Science.gov (United States)

    2010-01-01

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

  16. 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....

  17. National Asset Management Agency Management of Loans

    OpenAIRE

    Buckley, John

    2012-01-01

    Report of the Comptroller and Auditor General National Asset Management Agency – Management of Loans I have, in accordance with the provisions of Section 9 of the Comptroller and Auditor General (Amendment) Act, 1993, carried out an examination of the arrangements for the management of loans by the National Asset Management Agency. I hereby submit my report on the above examination for presentation to Dáil Éireann pursuant to Section 11 of the said Act. John Buckley Comptroller...

  18. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

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

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

    Science.gov (United States)

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

    2004-11-01

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

  20. 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.

  1. 77 FR 15116 - Notice of Proposed Information Collection: Comment Request; FHA-Insured Mortgage Loan Servicing...

    Science.gov (United States)

    2012-03-14

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

  2. Effect of student loan indebtedness and repayment on resident physicians' cash flow. An analytic model.

    Science.gov (United States)

    Hernried, J; Binder, L; Hernried, P

    1990-02-23

    Cumulative figures of "average medical student indebtedness," although meaningful, do not convey the effect of loan repayments on residents' cash flow, effect on a resident's value system and residency performance, and effect on trends in health care manpower allocation. Using a computer-based cash flow model, a "typical" house officer with $20,000 in undergraduate indebtedness who is training in a less expensive city will realize a $2390 deficit during internship and negative cash flow throughout a 5-year residency. House officers with extreme indebtedness (greater than $80,000) who are training in an expensive metropolitan area would accumulate an overall deficit approaching $75,000 or more, in excess of their undergraduate indebtedness, during a 5-year residency program. Effects of these findings on residency education and health care manpower issues, along with potential solutions for alleviating residents' cash flow problems, are discussed.

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

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

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

  4. 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…

  5. perception of undergraduates of undergraduates' about computer

    African Journals Online (AJOL)

    eobe

    Computer and internet has omputer and internet has omputer and internet has brought innovative chang brought innovative chang computer and IT related courses have recently been i level. Therefore, level. Therefore, it was important to know the perc it was important to know the perc undergraduate students about the.

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

    Directory of Open Access Journals (Sweden)

    Sanela Pasic

    2016-01-01

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

  7. 26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

    Science.gov (United States)

    2010-04-01

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

  8. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

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

  10. Specific Character of Loan-Words Perception in Youth Ethnic Culture

    Directory of Open Access Journals (Sweden)

    Lyubov Georgievna Fomichenko

    2015-09-01

    Full Text Available This paper presents the results of a sociolinguistic survey of students conducted on the basis of a corpus of interviews gathered at the Institute of Philology and Cross Cultural Communication, Volgograd State University. The experimental study was aimed at the recognition of loan-words belonging to different thematic groups by the undergraduates and graduates. The findings of the research may be referred to the solution of ecolinguistic problems as they are oriented to researching the language speakers' mental processes while assimilating foreign words. The analysis has shown that the students' foreign language competence may not only define the variety of associations referring to the loan-word meanings, but is also able to lead to false interpretations. The contrastive analysis of the findings in the junior and senior groups of students revealed that the quantity of zero reactions to the foreign words awareness was almost equal. However, the undergraduates' reaction to the semantics of imported words was more creative, which testifies to their willingness in exposing their linguistic skills. The involvement of students in some activities (business, IT, fashion, sport, entertainment is probably a significant motivating factor in assimilating foreign words, but the interpretation of loanwords in the sphere of politics and terminology is a problematic issue for the young native speakers of Russian.

  11. SPIC Undergraduate Programme

    Indian Academy of Sciences (India)

    Home; Journals; Resonance – Journal of Science Education; Volume 3; Issue 12. SPIC Undergraduate Programme. P K Subrahmanyam. Information and Announcements Volume 3 Issue 12 December 1998 pp 108-110. Fulltext. Click here to view fulltext PDF. Permanent link:

  12. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  13. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

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

  14. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

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

  15. 7 CFR 4279.113 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  16. 75 FR 23219 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2010-05-03

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

  17. 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...

  18. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

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

  19. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

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

  20. 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...

  1. 12 CFR 705.7 - Loans to participating credit unions.

    Science.gov (United States)

    2010-01-01

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

  2. 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…

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

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2009-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  7. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  9. 75 FR 23631 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2010-05-04

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

  10. 7 CFR 1779.78 - Repurchase of loan.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1779.25 - Ineligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 1779.34 - Terms of loan repayment.

    Science.gov (United States)

    2010-01-01

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

  13. 7 CFR 1779.84 - Additional loans or advances.

    Science.gov (United States)

    2010-01-01

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

  14. 7 CFR 1779.30 - Loan guarantee limitations.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  16. 7 CFR 772.7 - Leasing minor program loan security.

    Science.gov (United States)

    2010-01-01

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

  17. 7 CFR 1714.8 - Hardship rate loans.

    Science.gov (United States)

    2010-01-01

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

  18. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Science.gov (United States)

    2010-07-01

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

  19. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Science.gov (United States)

    2010-07-01

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

  20. 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...

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

    African Journals Online (AJOL)

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

  2. 24 CFR 203.50 - Eligibility of rehabilitation loans.

    Science.gov (United States)

    2010-04-01

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

  3. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

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

  4. 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

  5. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

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

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

    Science.gov (United States)

    2012-11-01

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

  8. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

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

  9. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

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

  10. Complaints Soar over Student-Loan Collections

    Science.gov (United States)

    Field, Kelly

    2012-01-01

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

  11. 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...

  12. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

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

  13. 44 CFR 206.376 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

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

  14. Testimony: Combating the Student Loan Burden

    Science.gov (United States)

    Helmcamp, Leslie

    2012-01-01

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

  15. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

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

  16. 44 CFR 206.366 - Loan cancellation.

    Science.gov (United States)

    2010-10-01

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

  17. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  18. 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…

  19. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

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

  20. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

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

  1. 78 FR 3828 - Microloan Operating Loans

    Science.gov (United States)

    2013-01-17

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

  2. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

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

  3. 7 CFR 4274.356 - Loan closing.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

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

  5. 76 FR 8403 - Biorefinery Assistance Guaranteed Loans

    Science.gov (United States)

    2011-02-14

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

  6. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

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

  7. 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...

  8. Identifying Self-Efficacy and Financial Behaviors as Predictors of Undergraduate College Students' Financial Literacy at a Land Grant University in North Carolina

    Science.gov (United States)

    Hucul, Donna T.

    2015-01-01

    Financial literacy has become a serious concern in the wake of the Great Recession of 2008. This study explored the financial literacy of undergraduate college students, who as a group constitute a distinct cohort of learners, emerging adults. The college student population represents a financially at-risk group facing mounting student loan debt.…

  9. What Is Undergraduate Research?

    Science.gov (United States)

    Halstead, Judith A.

    1997-12-01

    The Council on Undergraduate Research promotes and assists development of collaborative student/faculty research at primarily undergraduate colleges and universities. Most science educators today accept such research as a critical component of an undergraduate science education. Research provides the primary opportunity for students to engage in the practice of science. We can draw an analogy between sports training and the education of young scientists. We cannot train future tennis players exclusively by providing them with lectures on tennis and supervising them performing skill-development drills. To become skilled at their game, tennis players must engage in active competition. Similarly, young scientists must engage in the enterprise that affords our understanding of the physical universe. Only by participating in scientific investigation can students understand the nature of science and become scientists.

  10. 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.

  11. Undergraduate Program: Philadelphia

    Science.gov (United States)

    Betsock, Lori

    2008-08-01

    Undergraduate chemical science students—join us in Philadelphia on August 17 and 18, 2008, for an educational and career-oriented program designed specifically for you. Attend symposia about global climate change and clean energy; hear Nobel Laureate F. Sherwood Rowland speak about his fascinating career, "A Life in Tracer Chemistry". Weigh options for your future by attending the Graduate School Reality Check and graduate school recruiting events. All events will take place in the Sheraton Philadelphia City Center at 17th and Race Streets, except the Undergraduate Poster Sessions and Sci-Mix, which will be held in the Pennsylvania Convention Center.

  12. Conducting Mathematical Research with Undergraduates

    Science.gov (United States)

    Roberts, Gareth E.

    2013-01-01

    The notion that undergraduates are capable of making profound and original contributions to mathematical research is rapidly gaining acceptance. Undergraduates bring their enthusiasm, creativity, curiosity, and perseverance to bona fide research problems. This article discusses some of the key issues concerning undergraduate mathematical research:…

  13. 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.

  14. 77 FR 35707 - Notice of Submission of Proposed Information Collection to OMB; FHA-Insured Mortgage Loan...

    Science.gov (United States)

    2012-06-14

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

  15. 7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 1781.20 - Disbursement of WS and RCD loan funds and WS advance funds.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Disbursement of WS and RCD loan funds and WS advance... (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.20 Disbursement of WS and RCD loan funds and WS advance funds. (a) WS and RCD loan funds will be disbursed by the processing office in accordance...

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

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-10-01

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

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

    Science.gov (United States)

    2010-01-01

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

  2. Consumer Loans in Cambodia: Implications on Banking Stability

    OpenAIRE

    Meng, Channarith

    2014-01-01

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

  3. Undergraduate Program: New Orleans

    Science.gov (United States)

    Betsock, Lori

    2008-03-01

    Undergraduate chemical science students—join us in New Orleans on April 6-7, 2008 for an educational program designed specifically for you. Attend symposia on chemistry in sports and health and learn how it impacts your life everyday; meet with graduate school recruiters. Focus on your professional future in chemistry by learning more about careers in public health and how to communicate and work effectively with cross-functional teams. Hear eminent scientist Richard B. Silverman (John Evans Professor of Chemistry, Northwestern University and author of The Organic Chemistry of Drug Design and Drug Action 2004) speak about "Drug Discovery: Ingenuity or Serendipity?" All events will take place at the Hilton Riverside Hotel in New Orleans, except the Undergraduate Research Poster Sessions and Sci-Mix, both of which will be held in Hall A of the Ernest N. Morial Convention Center.

  4. Researching with undergraduate students

    DEFF Research Database (Denmark)

    Wulf-Andersen, Trine Østergaard; Mogensen, Kevin; Hjort-Madsen, Peder

    2013-01-01

    The article presents a particular case of undergraduate students working on subprojects within the framework of their supervisors' (the authors') research project during Autumn Semester 2012 and Spring Semester 2013. The article's purpose is to show that an institutionalized focus on students...... as "research learners" rather than merely curriculum learners proves productive for both research and teaching. We describe the specific university learning context and the particular organization of undergraduate students' supervision and assistantships. The case builds on and further enhances a well......-established and proven university model of participant-directed, problem-oriented project work. We explore students' and researchers' experiences of being part of the collaboration, focusing on learning potentials and dilemmas associated with the multiple roles of researcher and student that characterized...

  5. THE LOAN CONTRACT IN THE NEW CIVIL CODE

    Directory of Open Access Journals (Sweden)

    LIVIA MOCANU

    2012-05-01

    Full Text Available The new Civil Code maintains, mainly, the stipulations of the Civil Code of 1865 regarding loan contracts, in its both forms (the loan for use and the loan for consumption. As a variety of the loan for consumption, a few new specific stipulations were included, regarding the loan with interest.This research is focused on the current regulation of the loan contract, including a series of changes, of which the most important refers to: the loan promise, the risk regarding the asset placed in a bailment, property transfer and the risk in the loan for consumption contract, loan return and the interest regime. Also, what kept my attention is the significant changes brought to the interest regime by the Law for applying the Civil Code, included for now in Chapter I of the O.G. no. 13/2011, regarding the legal compensatory interest and the penalty interest for financial duties, as well as for the regulation of certain financial-fiscal measures in the banking department.

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

    Science.gov (United States)

    2012-09-06

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

  7. 13 CFR 307.9 - Revolving Loan Fund Plan.

    Science.gov (United States)

    2010-01-01

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

  8. 77 FR 4547 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2012-01-30

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

  9. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-03-15

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

  10. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2011-02-02

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

  11. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Science.gov (United States)

    2010-07-01

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

  12. 7 CFR 1436.9 - Loan amount and loan application approvals.

    Science.gov (United States)

    2010-01-01

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

  13. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

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

  14. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

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

  15. 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…

  16. 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...

  17. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

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

  18. 24 CFR 573.7 - Loan guarantee agreement.

    Science.gov (United States)

    2010-04-01

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

  19. 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,…

  20. 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...

  1. 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...

  2. 31 CFR 585.406 - Extensions of credits or loans.

    Science.gov (United States)

    2010-07-01

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

  3. Identifying Interbank Loans, Rates, and Claims Networks from Transactional Data

    NARCIS (Netherlands)

    Leon Rincon, C.E.; Cely, Jorge; Cadena, Carlos

    2015-01-01

    We identify interbank (i.e. non-collateralized) loans from the Colombian large-value payment system by implementing Furfine’s method. After identifying interbank loans from transactional data we obtain the interbank rates and claims without relying on financial institutions’ reported data.

  4. 7 CFR 3550.109 - Escrow account (loans only).

    Science.gov (United States)

    2010-01-01

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

  5. 7 CFR 1737.32 - Loan Design (LD).

    Science.gov (United States)

    2010-01-01

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

  6. 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 ...

  7. 38 CFR 21.4503 - Determination of loan amount.

    Science.gov (United States)

    2010-07-01

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

  8. 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 ...

  9. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

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

  10. Funding Costs and Loan Pricing by Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis

    2009-01-01

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

  11. 12 CFR 221.103 - Loans to brokers or dealers.

    Science.gov (United States)

    2010-01-01

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

  12. 7 CFR 1980.490 - Business and industry buydown loans.

    Science.gov (United States)

    2010-01-01

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

  13. 38 CFR 17.804 - Loan approval criteria.

    Science.gov (United States)

    2010-07-01

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

  14. 78 FR 52460 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-08-23

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

  15. Securitization and Lending Standards : Evidence from the Wholesale Loan Market

    NARCIS (Netherlands)

    Kara, A.; Marques-Ibanez, D.; Ongena, S.

    2011-01-01

    We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior on the syndicated loan market. We find that banks more active at originating asset-backed securities are also more aggressive on their loan pricing practices. This suggests that

  16. 7 CFR 4280.123 - Guaranteed loan funding.

    Science.gov (United States)

    2010-01-01

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

  17. 7 CFR 4280.152 - Servicing guaranteed loans.

    Science.gov (United States)

    2010-01-01

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

  18. 25 CFR 101.2 - Kinds of loans.

    Science.gov (United States)

    2010-04-01

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

  19. 7 CFR 1779.96 - Termination of Loan Note Guarantee.

    Science.gov (United States)

    2010-01-01

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

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

    African Journals Online (AJOL)

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

  1. 75 FR 24497 - Short-Term, Small Amount Loans

    Science.gov (United States)

    2010-05-05

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

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

    African Journals Online (AJOL)

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

  3. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

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

  4. 78 FR 20466 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2013-04-05

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

  5. 7 CFR 1786.104 - Loan fund audit.

    Science.gov (United States)

    2010-01-01

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

  6. 77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans

    Science.gov (United States)

    2012-09-05

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

  7. 7 CFR 2201.28 - Participation in guaranteed Loans.

    Science.gov (United States)

    2010-01-01

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

  8. 13 CFR 500.210 - Assignment or transfer of loans.

    Science.gov (United States)

    2010-01-01

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

  9. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

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

  10. Integrating Clinical Neuropsychology into the Undergraduate Curriculum.

    Science.gov (United States)

    Puente, Antonio E.; And Others

    1991-01-01

    Claims little information exists in undergraduate education about clinical neuropsychology. Outlines an undergraduate neuropsychology course and proposes ways to integrate the subject into existing undergraduate psychology courses. Suggests developing specialized audio-visual materials for telecourses or existing courses. (NL)

  11. Sage for undergraduates

    CERN Document Server

    Bard, Gregory V

    2015-01-01

    Professor Bard has provided a valuable service by carefully explaining everything an undergraduate student of mathematics, or a teacher of these topics, needs to get started with Sage quickly and easily. It will also be useful for any student or teacher of another STEM discipline. There is an excellent mix of the most frequently used commands, along with warnings about common pitfalls or caveats. I highly recommend it for anyone new to Sage, or who desires an overview of the system's impressive capabilities. -Robert A. Beezer, University of Puget Sound This book is a sort of "Missing Manual"

  12. 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.

  13. 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

  14. 45 CFR 1336.65 - Staffing and organization of the Revolving Loan Fund: Responsibilities of the Loan Administrator.

    Science.gov (United States)

    2010-10-01

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

  15. Undergraduate Students' Information Search Practices

    Science.gov (United States)

    Nikolopoulou, Kleopatra; Gialamas, Vasilis

    2011-01-01

    This paper investigates undergraduate students' information search practices. The subjects were 250 undergraduate students from two university departments in Greece, and a questionnaire was used to document their search practices. The results showed that the Web was the primary information system searched in order to find information for…

  16. Researching Undergraduate Social Science Research

    Science.gov (United States)

    Rand, Jane

    2016-01-01

    The experience(s) of undergraduate research students in the social sciences is under-represented in the literature in comparison to the natural sciences or science, technology, engineering and maths (STEM). The strength of STEM undergraduate research learning environments is understood to be related to an apprenticeship-mode of learning supported…

  17. Undergraduate students' perceived academic environmental ...

    African Journals Online (AJOL)

    This study examined the relationship between undergraduates' perception of the academic environment, their attitude to academic work and achievement. A total of 348 undergraduates who formed the sample were drawn from five departments in three universities in Nigeria. The study revealed that four dimensions of the ...

  18. Matrix groups for undergraduates

    CERN Document Server

    Tapp, Kristopher

    2016-01-01

    Matrix groups touch an enormous spectrum of the mathematical arena. This textbook brings them into the undergraduate curriculum. It makes an excellent one-semester course for students familiar with linear and abstract algebra and prepares them for a graduate course on Lie groups. Matrix Groups for Undergraduates is concrete and example-driven, with geometric motivation and rigorous proofs. The story begins and ends with the rotations of a globe. In between, the author combines rigor and intuition to describe the basic objects of Lie theory: Lie algebras, matrix exponentiation, Lie brackets, maximal tori, homogeneous spaces, and roots. This second edition includes two new chapters that allow for an easier transition to the general theory of Lie groups. From reviews of the First Edition: This book could be used as an excellent textbook for a one semester course at university and it will prepare students for a graduate course on Lie groups, Lie algebras, etc. … The book combines an intuitive style of writing w...

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

    OpenAIRE

    Bridget Terry Long

    2007-01-01

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

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

    Science.gov (United States)

    Hansson, E; Tegelberg, E

    2014-10-01

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

  1. 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

  2. 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.

  3. 7 CFR 1421.105 - Farm-stored marketing assistance loans.

    Science.gov (United States)

    2010-01-01

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

  4. 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...

  5. 12 CFR 614.4231 - Certain seasonal commodity loans to cooperatives.

    Science.gov (United States)

    2010-01-01

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

  6. 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...

  7. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Science.gov (United States)

    2010-10-01

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

  8. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Science.gov (United States)

    2010-10-01

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

  9. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Science.gov (United States)

    2012-06-13

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

  10. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

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

  11. 42 CFR 57.307 - Maximum amount of nursing student loans.

    Science.gov (United States)

    2010-10-01

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

  12. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Science.gov (United States)

    2010-10-01

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

  13. 77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-06-29

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

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

    Science.gov (United States)

    Menges, Kathleen K.; Leonhard, Christoph

    2016-01-01

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

  15. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Science.gov (United States)

    2010-10-01

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

  16. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Science.gov (United States)

    2010-01-01

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

  17. 42 CFR 57.209 - Payment of health professions student loans.

    Science.gov (United States)

    2010-10-01

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

  18. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Science.gov (United States)

    2011-08-22

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

  19. 7 CFR 1944.423 - Loan packaging and 502 RH application submittal.

    Science.gov (United States)

    2010-01-01

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

  20. 7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.

    Science.gov (United States)

    2010-01-01

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

  1. 7 CFR 1434.16 - Release of the honey pledged as collateral for a loan.

    Science.gov (United States)

    2010-01-01

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

  2. 13 CFR 120.970 - Servicing of 504 loans and Debentures.

    Science.gov (United States)

    2010-01-01

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

  3. Developing Effective Undergraduate Research Experience

    Science.gov (United States)

    Evans, Michael; Ilie, Carolina C.

    2011-03-01

    Undergraduate research is a valuable educational tool for students pursuing a degree in physics, but these experiences can become problematic and ineffective if not handled properly. Undergraduate research should be planned as an immersive learning experience in which the student has the opportunity to develop his/her skills in accordance with their interests. Effective undergraduate research experiences are marked by clear, measurable objectives and frequent student-professor collaboration. These objectives should reflect the long and short-term goals of the individual undergraduates, with a heightened focus on developing research skills for future use. 1. Seymour, E., Hunter, A.-B., Laursen, S. L. and DeAntoni, T. (2004), ``Establishing the benefits of research experiences for undergraduates in the sciences: First findings from a three-year study''. Science Education, 88: 493--534. 2. Behar-Horenstein, Linda S., Johnson, Melissa L. ``Enticing Students to Enter Into Undergraduate Research: The Instrumentality of an Undergraduate Course.'' Journal of College Science Teaching 39.3 (2010): 62-70.

  4. First Generation Students and Post-Undergraduate Aspirations

    Directory of Open Access Journals (Sweden)

    Morgan Teressa Carlton

    2015-11-01

    Full Text Available Equal access to education is a growing concern throughout the nation. With an increasing amount of programs aimed to support the underrepresented populations on college campuses, first generation college students have grown to be a target population of particular interest. This study examined the relationships between first generation college seniors and applications to graduate or professional programs. The goal of this study was to determine if first generation students are pursuing advanced degrees at lower rates than non-first generation students and if so, attempt to uncover factors contributing to that evidence. Data were gathered from the National Longitudinal Survey of Freshman data set, and variables were analyzed using a binary logistic regression. The results of the study indicate that first generation students are significantly less likely to pursue an advanced degree, even when controlling for race, gender, family income, and cumulative grade point average, suggesting a distinctive impact of first generation status on post-undergraduate aspirations. However, after controlling for the impact of self-reported undergraduate loans, the effect of first generation status was no longer significant. The findings in this study provide an important new perspective in the field of sociology.

  5. 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

  6. 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

  7. 7 CFR 1786.162 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  8. 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.

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

    Directory of Open Access Journals (Sweden)

    Dushku Elona

    2016-05-01

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

  10. 7 CFR 1710.106 - Uses of loan funds.

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

    Agbeko, Daniel

    2017-01-01

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

  12. 7 CFR 1980.498 - Business and Industry Disaster Loans.

    Science.gov (United States)

    2010-01-01

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

  13. 76 FR 71934 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2011-11-21

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

  14. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

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

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

    Science.gov (United States)

    2010-04-01

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

  16. 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.

  17. 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...

  18. 34 CFR 668.212 - Loan servicing appeals.

    Science.gov (United States)

    2010-07-01

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

  19. 31 CFR 545.414 - Loans or extensions of credit.

    Science.gov (United States)

    2010-07-01

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

  20. 7 CFR 1942.112 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

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

  1. Undergraduate Training in Nutritional Science

    Science.gov (United States)

    Briggs, George M.

    1972-01-01

    Discusses need to establish minimum standards of training for nutrition educators,'' and standardized curricula at the undergraduate level. Gives attention to definitions, adequate training, and suggested guidelines as a starting point for further discussion. (LK)

  2. 12 CFR 225.44 - Reporting of stock loans.

    Science.gov (United States)

    2010-01-01

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

  3. 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.

  4. Undergraduate medical education.

    Science.gov (United States)

    Rees, L; Wass, J

    1993-01-23

    Pressures from students and teachers, from professional bodies, and from changes in the way health care is delivered are all forcing a rethink of how medical students should be taught. These pressures may be more intense in London but are not confined to it. The recommendation the Tomlinson report advocates that has been generally welcomed is for more investment in primary care in London. General practitioners have much to teach medical schools about effective ways of learning, but incentives for teaching students in general practice are currently low, organising such teaching is difficult and needs resources, and resistance within traditional medical school hierarchies needs to be overcome. Likewise, students value learning within local communities, but the effort demanded of public health departments and community organisations is great at a time when they are under greater pressure than ever before. The arguments over research that favour concentration in four multifaculty schools are less clear cut for undergraduate education, where personal support for students is important. An immediate concern is that the effort demanded for reorganising along the lines suggested by Tomlinson will not leave medical schools much energy for innovating.

  5. Student Loan Programs. Senate Hearing Before the Committee on Appropriations. Fiscal Year 1976. 94th Congress, First Session. Special Hearing.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. Senate Committee on Appropriations.

    This 1976 Senate Hearing before the Appropriations Committee is concerned with student loans. Issues discussed are: (1) student loan programs; (2) educational loans to middle-income families; (3) default rate on bank loans; (4) HELP grant loan; (5) views of the Financial Aid Officers Panel; (6) proprietary career schools; (7) consumer protection;…

  6. Loan and nonloan flows in the Australian interbank network

    Science.gov (United States)

    Sokolov, Andrey; Webster, Rachel; Melatos, Andrew; Kieu, Tien

    2012-05-01

    High-value transactions between banks in Australia are settled in the Reserve Bank Information and Transfer System (RITS) administered by the Reserve Bank of Australia. RITS operates on a real-time gross settlement (RTGS) basis and settles payments and transfers sourced from the SWIFT payment delivery system, the Austraclear securities settlement system, and the interbank transactions entered directly into RITS. In this paper, we analyse a dataset received from the Reserve Bank of Australia that includes all interbank transactions settled in RITS on an RTGS basis during five consecutive weekdays from 19 February 2007 inclusive, a week of relatively quiescent market conditions. The source, destination, and value of each transaction are known, which allows us to separate overnight loans from other transactions (nonloans) and reconstruct monetary flows between banks for every day in our sample. We conduct a novel analysis of the flow stability and examine the connection between loan and nonloan flows. Our aim is to understand the underlying causal mechanism connecting loan and nonloan flows. We find that the imbalances in the banks' exchange settlement funds resulting from the daily flows of nonloan transactions are almost exactly counterbalanced by the flows of overnight loans. The correlation coefficient between loan and nonloan imbalances is about -0.9 on most days. Some flows that persist over two consecutive days can be highly variable, but overall the flows are moderately stable in value. The nonloan network is characterised by a large fraction of persistent flows, whereas only half of the flows persist over any two consecutive days in the loan network. Moreover, we observe an unusual degree of coherence between persistent loan flow values on Tuesday and Wednesday. We probe static topological properties of the Australian interbank network and find them consistent with those observed in other countries.

  7. 12 CFR 723.20 - How can a state supervisory authority develop and enforce a member business loan regulation?

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Bernard Ndirangu Wachira

    2017-08-01

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

  9. The Undergraduate ALFALFA Team: Outcomes for Over 250 Undergraduate Participants

    Science.gov (United States)

    Troischt, Parker; Koopmann, Rebecca A.; Haynes, Martha P.; ALFALFA Team

    2016-01-01

    The NSF-sponsored Undergraduate ALFALFA (Arecibo Legacy Fast ALFA) Team (UAT) is a consortium of 19 institutions founded to promote undergraduate research and faculty development within the extragalactic ALFALFA HI blind survey project and follow-up programs. In this talk we present outcomes for the more than 250 undergraduate students who have who have participated in the program during the 8 years of funding. 40% of these students have been women and members of underrepresented groups. To date 148 undergraduate students have attended annual workshops at Arecibo Observatory, interacting with faculty, graduate students, their peers, and Arecibo staff in lectures, group activities, tours, and observing runs. Team faculty have supervised 159 summer research projects and 120 academic year (e.g., senior thesis) projects. 68 students have traveled to Arecibo Observatory for observing runs and 55 have presented their results at national meetings such as the AAS. Through participation in the UAT, students are made aware of career paths they may not have previously considered. More than 90% of alumni are attending graduate school and/or pursuing a career in STEM. 42% of those pursuing graduate degrees in Physics or Astronomy are women. This work has been supported by NSF grants AST-0724918/0902211, AST-075267/0903394, AST-0725380, and AST-1211005

  10. 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.

  11. Professional practice and construction undergraduates' employability skills

    OpenAIRE

    Vohmann, B.; Frame, I.

    2016-01-01

    Employability skills are known to be valuable to undergraduates when entering the workplace and expected by employers, yet, in construction as in many disciplines, these skills often are not well developed. However, construction professionals frequently work in complex dynamic environments and employability skills may enhance undergraduates' practitioner effectiveness. Therefore it is important tutors exploit opportunities to help undergraduates develop their employability skills. This paper ...

  12. 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...

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

    Science.gov (United States)

    2010-01-01

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

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

    NARCIS (Netherlands)

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

    2017-01-01

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

  15. 12 CFR 723.5 - How do you implement a member business loan program?

    Science.gov (United States)

    2010-01-01

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

  16. 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.

  17. 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.

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

    OpenAIRE

    Ionescu, Felicia; Simpson, Nicole B.

    2014-01-01

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

  19. Teaching Economic Forecasting to Undergraduates.

    Science.gov (United States)

    Donihue, Michael R.

    1995-01-01

    Contends that academic departments have come under increasing scrutiny in terms of the scope of curriculum and teaching methods. Describes a senior undergraduate economics course in which the primary objective was to give students opportunities to combine theoretical training with quantitative skills and apply them to real-world problems. (CFR)

  20. A conference experience for undergraduates

    International Nuclear Information System (INIS)

    Collins, L.A.; Magee, N.H.; Bryant, H.C.; Zeilik, M.

    1999-01-01

    Programs launched by many universities and the federal government expose many undergraduate students in the physical sciences to research early in their careers. However, in their research experiences, undergraduates are not usually introduced to the modes by which scientific knowledge, which they may have helped gather, is communicated and evaluated by working scientists. Nor is it always made clear where the research frontiers really lie. To this end, we guided a selected group of undergraduates through a national scientific conference, followed by a week of tutorials and discussions to help them better understand what had transpired. The program complemented the basic undergraduate research endeavors by emphasizing the importance of disseminating results both to other scientists and to society in general. Tutors and discussion leaders in the second week were experts in their fields and included some of the invited speakers from the main meeting. A considerable improvement in the understanding of the issues and prospects for a career in physics was discernible among the students after their two-week experience. copyright 1999 American Association of Physics Teachers

  1. Rethinking Undergraduate Physical Chemistry Curricula

    Science.gov (United States)

    Miller, Stephen R.

    2016-01-01

    A summary of fundamental changes made to the undergraduate physical chemistry curriculum in the Chemistry Department at Gustavus Adolphus College (beginning in the 2013-2014 academic year) is presented. The yearlong sequence now consists of an introductory semester covering both quantum mechanics and thermodynamics/kinetics, followed by a second…

  2. Undergraduate Students' Attitudes toward Biodiversity

    Science.gov (United States)

    Huang, Hui-Ju; Lin, Yu-Teh Kirk

    2014-01-01

    The study investigated American and Taiwan undergraduate students' attitudes toward biodiversity. The survey questionnaire consisted of statements prompted by the question "To what extent do you agree with the following statements about problems with the biodiversity issues." Students indicated strongly disagree, disagree, agree,…

  3. Undergraduate research: a case study

    NARCIS (Netherlands)

    Koppelman, Hermannus; van Dijk, Elisabeth M.A.G.; van der Hoeven, Gerrit

    This paper describes a one semester research course for undergraduates of computing programs. Students formulate a research proposal, conduct research and write a full paper. They present the results at a one-day student conference. On the one hand we offer the students a lot of structure and

  4. Undergraduates, Technology, and Social Connections

    Science.gov (United States)

    Palmer, Betsy; Boniek, Susan; Turner, Elena; Lovell, Elyse D'nn

    2014-01-01

    The purpose of this study was to examine the spectrum of undergraduate students' social interactions and related technological tools. Qualitative methods were used for this phenomenological study exploring 35 in-person interviews, with horizonalization in an open coding system secured by in-depth analysis which revealed nuanced themes and…

  5. EERE Resources for Undergraduate Students

    Energy Technology Data Exchange (ETDEWEB)

    None

    2016-10-01

    Looking to expand your experience outside of the classroom? The Office of Energy Efficiency and Renewable Energy (EERE) at the U.S. Department of Energy (DOE) has a number of resources available for undergraduate students, including competitions, internships, and career planning information to help you navigate the education to employment pathway in energy.

  6. Astrology Beliefs among Undergraduate Students

    Science.gov (United States)

    Sugarman, Hannah; Impey, Chris; Buxner, Sanlyn; Antonellis, Jessie

    2011-01-01

    A survey of the science knowledge and attitudes toward science of nearly 10000 undergraduates at a large public university over a 20-year period included several questions addressing student beliefs in astrology and other forms of pseudoscience. The results from our data reveal that a large majority of students (78%) considered astrology "very" or…

  7. EERE Resources for Undergraduate Students

    Energy Technology Data Exchange (ETDEWEB)

    None

    2015-04-01

    Looking to expand your experience outside of the classroom? The Office of Energy Efficiency and Renewable Energy (EERE) at the U.S. Department of Energy (DOE) has a number of resources available for undergraduate students, including competitions, internships, and career planning information to help you navigate the education to employment pathway in energy.

  8. A Review of Undergraduate Physics

    Science.gov (United States)

    Bayman, Benjamin F.; Hamermesh, Morton

    1986-02-01

    A study aid for senior and graduate level students needing a review of undergraduate physics. Covers a broad range of topics, with carefully worked examples illustrating important problem-solving methods. A collection of self-test problems helps students prepare for the College Entrance Advanced Physics Examination and the Qualifying Written Examination for the PhD.

  9. Bioinformatics and the Undergraduate Curriculum

    Science.gov (United States)

    Maloney, Mark; Parker, Jeffrey; LeBlanc, Mark; Woodard, Craig T.; Glackin, Mary; Hanrahan, Michael

    2010-01-01

    Recent advances involving high-throughput techniques for data generation and analysis have made familiarity with basic bioinformatics concepts and programs a necessity in the biological sciences. Undergraduate students increasingly need training in methods related to finding and retrieving information stored in vast databases. The rapid rise of…

  10. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Science.gov (United States)

    2010-01-01

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

  11. 7 CFR 1436.13 - Loan installments, delinquency, and acceleration of maturity date.

    Science.gov (United States)

    2010-01-01

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

  12. 13 CFR 120.828 - Minimum level of 504 loan activity and restrictions on portfolio concentrations.

    Science.gov (United States)

    2010-01-01

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

  13. 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...

  14. 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...

  15. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Steiner, Matt

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

  17. 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...

  18. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

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

  19. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2013-08-22

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

  20. 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...

  1. 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...

  2. 13 CFR 120.391 - What is the Builders Loan Program?

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 221.109 - Loan to open-end investment company.

    Science.gov (United States)

    2010-01-01

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

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

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

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

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

  16. 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…

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

    Science.gov (United States)

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

    2015-01-01

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

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

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

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

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

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

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

  20. 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…

  1. 77 FR 28860 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Science.gov (United States)

    2012-05-16

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

  2. 78 FR 6081 - Agency Information Collection Activities; Comment Request; National Student Loan Data System (NSLDS)

    Science.gov (United States)

    2013-01-29

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

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

    Science.gov (United States)

    Cobb, Ashley K.

    2017-01-01

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

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

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

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

  5. 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

  6. 7 CFR 1940.563 - Section 502 non-subsidized guaranteed Rural Housing (RH) loans.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    Kelderman, Eric

    2008-01-01

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

  8. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

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

  9. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

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

  10. 76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

    Science.gov (United States)

    2011-11-03

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

  11. 7 CFR 1942.122 - Actions prior to loan closing and start of construction.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

  14. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

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

  15. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

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

  16. 76 FR 71329 - Request for Information Regarding Private Education Loans and Private Educational Lenders

    Science.gov (United States)

    2011-11-17

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

  17. 13 CFR 120.434 - What are SBA's requirements for loan pledges?

    Science.gov (United States)

    2010-01-01

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

  18. 7 CFR 766.302 - Loan servicing application requirements for borrowers in bankruptcy.

    Science.gov (United States)

    2010-01-01

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

  19. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Science.gov (United States)

    2010-10-01

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

  20. Organization of an undergraduate research group

    International Nuclear Information System (INIS)

    Hill, J.; Noteboom, E.

    1995-01-01

    Traditionally, research groups consist of senior physicists, staff members, and graduate students. The physics department at Creighton University has formed a Relativistic Heavy Ion physics research group consisting primarily of undergraduate students. Although senior staff and graduate students are actively involved, undergraduate research and the education of undergraduates is the focus of the group. The presentation, given by two undergraduate members of the group, will outline progress made in the group's organization, discuss the benefits to the undergraduate group members, and speak to the balance which must be struck between education concerns and research goals

  1. 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

  2. The Research on the Loan-to-Value of Inventory Pledge Loan Based Upon the Unified Credit Mode

    Science.gov (United States)

    Peng, Yang

    This paper focus on loan limit indicator of seasonal inventory financing in supply chain financial innovation based on the logistics features of unified credit mode. According to the "corporate and debt" method in trade credit, this paper analyzes the cash flow properties of borrowing firm and the profit level of logistics enterprise, then it assumes downside-risk-averse logistics enterprise instead of risk-neutral logistics enterprise and takes the method of VaR to figure out the maximum loan-to-value ratio of inventory which is in accord with the risk tolerance level of logistics enterprise in seasonal inventory impawn financing.

  3. 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

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

    Science.gov (United States)

    Turner, Fay

    1990-01-01

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

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

    Science.gov (United States)

    2012-03-09

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

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

    Science.gov (United States)

    2012-07-24

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

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

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    reduction and LP relaxation are used to obtain near optimal solutions for large problem instances. Our results show that the standard Danish mortgagor should hold a more diversified portfolio of mortgage loans, and that he should rebalance the portfolio more frequently than current practice....

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

    Science.gov (United States)

    Larrain, Christian; Zurita, Salvador

    2008-01-01

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

  9. 13 CFR 307.12 - Revolving Loan Fund Income.

    Science.gov (United States)

    2010-01-01

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

  10. 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...

  11. 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...

  12. 7 CFR 1942.8 - Actions subsequent to loan closing.

    Science.gov (United States)

    2010-01-01

    ... stock certificates will be returned to the borrower when the loan has been closed. (f) Material for... be retained in the borrower's case folder. (b) Notes and bonds. When the debt instrument is a promissory note or single instrument bond fully registered as to principal and interest, a conformed copy...

  13. 77 FR 3069 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2012-01-23

    ... payment used (traditional invoicing through the National Technical Information Service (NTIS) or payment.../credit program for interlibrary loan) and eliminates the current billing surcharge, which is instead... current cost of providing the service. Elimination of the separate billing surcharge will enable customers...

  14. 77 FR 22443 - Farm Loan Programs; Clarification and Improvement

    Science.gov (United States)

    2012-04-13

    ... proceeds from the sale of collateral property will be used. Currently, FSA requires borrowers with chattel... Property Management Division, FLP, FSA, U.S. Department of Agriculture, 1400 Independence Avenue SW., Stop... oil, gas, or other minerals as FO loan collateral, the products' value must have been considered in...

  15. The comovement between household loans and real activity

    NARCIS (Netherlands)

    den Haan, W.J.; Sterk, V.

    2009-01-01

    In this paper, we analyze the business cycle behavior of home mortgages and consumer credit and investigate whether the observed changes - and in particular observed changes in the comovement between the loan variables and real activity - are likely to be caused by changes in financial markets. We

  16. Factors Affecting Loan Utilization And Repayment Patterns By Small ...

    African Journals Online (AJOL)

    Factors Affecting Loan Utilization And Repayment Patterns By Small Holder Farmers Of The Nigeria Agricultural Cooperative And Rural Development Bank ... that 35.8% of the beneficiaries were between the age brackets of 51- 60 years, about 61.3% of the respondents had a minimum of secondary school education.

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

    Science.gov (United States)

    2010-09-30

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

  18. Determinants of loan maturity in small business lending

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-06-01

    Full Text Available This paper investigates the determinants of loan maturity of small and medium enterprises (SMEs in the context of Visegrad countries: Czech Republic, Slovak Republic, Poland, and Hungary. The data of instead of for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS, which is a joint project of the European Bank for Reconstruction and Development and the World Bank. By using a binary logistic model, we have found that loan maturity is shorter for older and mature firms, firms owned by female and firms experiencing a shortage of liquidity. At the same time, we have also found that firms having concentrated ownership structure and more tangible assets can borrow for a longer period. In addition to that, we have found evidence that loan maturity is longer for the firms located closer to a bank branch. We also provide empirical support for the assumption that bank low competition is associated with longer maturity. From the obtained results, we may recommend SMEs to borrow from banks that are within their vicinity since this may increase the maturity of loans. Policy makers are recommended to implement policies so that to alleviate gender-related discrimination and take initiatives to moderate the level of competition at this market.

  19. Parent Influence on Loan Pricing by Czech Banks

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis; Raková, M.

    2012-01-01

    Roč. 21, č. 4 (2012), s. 434-449 ISSN 1210-0455 Institutional support: RVO:67985556 Keywords : multinational bank * interest rate * internal capital market Subject RIV: AH - Economics Impact factor: 0.561, year: 2012 http://library.utia.cas.cz/separaty/2013/E/derviz-parent influence on loan pricing by czech banks.pdf

  20. 7 CFR 3565.304 - Lender loan processing responsibilities.

    Science.gov (United States)

    2010-01-01

    ... application at the feasibility stage or when they request a conditional commitment. (b) Project servicing, management and disposition. Unless otherwise permitted by the Agency, the originating lender must perform all loan functions during the period of the guarantee. These functions include servicing, asset management...

  1. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

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

  2. 76 FR 57681 - Modification of Interlibrary Loan Fee Schedule

    Science.gov (United States)

    2011-09-16

    .... Knipling, Administrator, Agricultural Research Service. [FR Doc. 2011-23723 Filed 9-15-11; 8:45 am] BILLING... Service 7 CFR Part 505 RIN 0518-8AA04 Modification of Interlibrary Loan Fee Schedule AGENCY: Agricultural Research Service, USDA. ACTION: Proposed rule. SUMMARY: The Agricultural Research Service proposes to amend...

  3. The Smart Approach to Student Loans and Consumer Debt.

    Science.gov (United States)

    Missouri State Dept. of Higher Education, Jefferson City.

    This brochure contains information about student loans for college applicants and students in Missouri. It is a resource to assist borrowers in making smart repayment decisions and in understanding the options to avoid delinquency and default. Things to consider before one borrows, how to increase one's resources, and how to decrease one's…

  4. 76 FR 18366 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2011-04-04

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

  5. 75 FR 68534 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2010-11-08

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

  6. CERN debt to the Pension Fund (Bank loan)

    CERN Document Server

    2006-01-01

    The Finance Committee is invited to recommend the Council and the Council is invited to approve the taking out of a loan with FORTIS BANK with the purpose of the repayment of the Organization's debt to the Pension Fund, in accordance with the conditions set out in the Annex 2, thereby authorising the CERN Management to sign the Agreement on 23 June 2006.

  7. Borrowing and Loan Words: The Lemmatizing of Newly Acquired ...

    African Journals Online (AJOL)

    This article aims to give a critical analysis of the advantages and disadvantages of the adoption of foreign lexical items in the lemmatization of vocabulary in Sesotho sa Leboa dictionaries. Most puristic inclined academics and intellectuals are reluctant to adopt loan words as a means of developing the Sesotho sa Leboa ...

  8. Models for Determining the Efficiency of Student Loans Policies

    Science.gov (United States)

    Dente, Bruno; Piraino, Nadia

    2011-01-01

    For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…

  9. 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 ...

  10. Report of the NASFAA Task Force on Student Loan Indebtedness

    Science.gov (United States)

    National Association of Student Financial Aid Administrators, 2013

    2013-01-01

    In light of increasing concern about student loans, debt levels, and rising default rates, which coincide with worries about college costs, affordability, and transparency, the National Association of Student Financial Aid Administrators (NASFAA) convened a task force in 2012 to study this issue and make recommendations for improvement. NASFAA's…

  11. Policy Considerations for a Student-Loan Refinancing Authority

    Science.gov (United States)

    State Council of Higher Education for Virginia, 2016

    2016-01-01

    Access and affordability are the main themes of Goal 1 of The Virginia Plan for Higher Education. Progress toward these goals can be measured by a variety of means, but access and affordability serve as foundational guiding principles as the Commonwealth of Virginia crafts its annual and biennial higher-education budgets. Student-loan debt is but…

  12. Is a Student Loan Crisis on the Horizon?

    Science.gov (United States)

    Akers, Beth; Chingos, Matthew M.

    2014-01-01

    College tuition and student debt levels have been increasing at a fast pace for at least two decades. These well-documented trends, coupled with an economy weakened by a major recession, have raised serious questions about whether the market for student debt is headed for a crisis, with many borrowers unable to repay their loans and taxpayers…

  13. Changes to the Student Loan Experience: Psychological Predictors and Outcomes

    Science.gov (United States)

    Mueller, Thomas

    2014-01-01

    This study builds on the work of scholars who have explored psychological perceptions of the student loan experience. Survey analysis ("N" = 175) revealed a multidimensional model was developed through factor analysis and testing, which revealed four latent variables: "Duress," "Mandatory," "Financial," and…

  14. 75 FR 27949 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2010-05-19

    ... efficiency in managing the SFHGLP. The proposed changes are in accordance with the recommendations of the... Housing Service proposes two changes to its Single Family Housing Guaranteed Loan Program (SFHGLP...-quarter of 1 percent. The first proposed rule change would eliminate the lender's published VA rate for...

  15. 24 CFR 202.8 - Loan correspondent lenders and mortgagees.

    Science.gov (United States)

    2010-04-01

    ... terminated. (3) Audit report. A loan correspondent lender or mortgagee must comply with the financial... definition of a supervised lender or mortgagee in § 202.6(a) need not file annual audit reports. Audit... Secretary and an analysis of escrow funds; and (ii) Such other financial information as the Secretary may...

  16. 7 CFR 1710.401 - Loan application documents.

    Science.gov (United States)

    2010-01-01

    ...) Authorization for RUS to release appropriate information to supplemental or other lender(s), and authorization for these lenders to release appropriate information to RUS; and (iv) For an insured loan, a statement... headquarters facilities, Form 740g need not be submitted. (5) Financial and statistical report. Distribution...

  17. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

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

  18. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... this section, a creditor, other than the covered educational institution itself, shall not use the name... other financial aid has increased. A creditor may make corresponding changes to the rate and other terms... loan. (f) Provision of information by preferred lenders. A creditor that has a preferred lender...

  19. 78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

    Science.gov (United States)

    2013-08-09

    ... defined in 38 CFR 36.4301. Essentially ``net value'' is the fair market value of the property, minus the... signs of stability that can sustain a change in the net value to less than the historical high of 15.11... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department...

  20. 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 ...

  1. 75 FR 10194 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2010-03-05

    ... that has been granted on the loan. (3) The value appreciation of property with a cross-collateralized... (voluntary conveyance) the RHS will recapture the full subsidy from the value of the property. DATES: Written... regulation is finalized. Recovery of the subsidy will only come from proceeds from the sale of the property...

  2. 7 CFR 762.145 - Restructuring guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... from a current appraisal adjusted for depreciation of depreciable property, such as buildings and other... executes an Agency shared appreciation agreement for loans which are written down and secured by real... ensure future collection of any appreciation under the agreement. (12) The lender will prepare and submit...

  3. 77 FR 3377 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2012-01-24

    ... received; or (ii) A portion of the value appreciation of the property subject to recapture. In order for... appreciation. The value appreciation of property with a cross-collateralized loan is based on the market value... will recapture the full subsidy from the value of the property. DATES: Effective: February 23, 2012...

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

    Science.gov (United States)

    General Accounting Office, Washington, DC.

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

  5. 42 CFR 60.33 - Making a HEAL loan.

    Science.gov (United States)

    2010-10-01

    ... available to the lender. Except where the statements are in conflict with information obtained from the applicant's credit history or other information available to the lender, a lender making loans to nonstudent... dates of disbursement and the amount the borrower will need on each such date. In no case may the lender...

  6. UNFAIR TERMS.CAUSES FOR INBALANCES IN BANK LOAN CONTRACTS

    Directory of Open Access Journals (Sweden)

    Mariana Rodica ȚÎRLEA

    2014-11-01

    In the case of bank loan contracts, we believe that the abuse of power takes the form of contractual terms imposed by breaking the natural order and the contract’s drafting principles, in a properly articulated decisive way, commissioned by one holding it, namely by the party holding the dominant position.

  7. 7 CFR 4280.125 - Terms of loan.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy Efficiency... conditions of renewable energy and energy efficiency subsidies, tax credits, and other such incentives. (g) A...

  8. Determinants Of Loan Repayment Ability Of Farmers In Kogi State ...

    African Journals Online (AJOL)

    This study evaluates socio-economic factors that could predict repayment ability, quantify the effects of those factors and device a method to curb or manage default in agriculture and/or other credit lending. Data for the analysis were obtained by interviewing a sample of loan beneficiary farmers cooperative society members ...

  9. College on Credit: A Multilevel Analysis of Student Loan Default

    Science.gov (United States)

    Hillman, Nicholas W.

    2014-01-01

    This study updates and expands the literature on student loan default. By applying multilevel regression to the Beginning Postsecondary Students survey, four key findings emerge. First, attending proprietary institutions is strongly associated with default, even after accounting for students' socioeconomic and academic backgrounds. Second,…

  10. 75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

    Science.gov (United States)

    2010-04-19

    ... following: Loans for tuition expenses; other reasonable educational expenses, including fees, books, and... public practice shortages and at least 90 percent of funds will be awarded to private practice food... percentages of full-time equivalent commitment, commensurate with a variety of different public and private...

  11. 24 CFR 201.21 - Manufactured home loan eligibility.

    Science.gov (United States)

    2010-04-01

    ... AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Eligibility and Disbursement Requirements... installation of the home. The dealer shall also test the performance of the home's plumbing, mechanical and... level of service to the manufactured homesite. If either or both such systems are not available, the...

  12. 7 CFR 1735.70 - Use of loan funds.

    Science.gov (United States)

    2010-01-01

    ... telephone organizations. After a merger or consolidation, RUS will consider making loans to the telephone system to finance the improvement or extension of telephone service in rural areas. (d) Generally, RUS... necessary and incidental to furnishing or improving rural telephone service and the service area is eligible...

  13. 75 FR 51623 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2010-08-23

    ... public, including: (i) Acting as a real estate agent or real estate broker for a buyer, seller, lessor... which a person engaged in the activity is required to be registered or licensed as a real estate agent... mortgage loan originator; (2) performs only real estate brokerage activities (as defined in section 1503(3...

  14. 38 CFR 1.512 - Disclosure of loan guaranty information.

    Science.gov (United States)

    2010-07-01

    ... an individual with respect to the property concerned; or (v) An attorney, real estate broker, or any other agent representing any of these persons. (Authority: 38 U.S.C. 5701(c), (h)(2)(D)) (c)(1) The... accurate; or (ii) To enable the Secretary to offer for sale or other disposition any loan or installment...

  15. 78 FR 67465 - Loan Guaranty: Maximum Allowable Attorney Fees

    Science.gov (United States)

    2013-11-12

    ... connection with the termination of single-family housing loans, including foreclosure, deed-in-lieu of foreclosure, and bankruptcy- related services, issued by the Department of Housing and Urban Development (HUD... Jersey N/A 2425 350 New Mexico N/A 1500 350 New York--Western Counties \\3\\ N/A 2000 350 New York--Eastern...

  16. 32 CFR 623.5 - Loan of arms and accouterments.

    Science.gov (United States)

    2010-07-01

    ... or institution's jacket file; and one will be sent to the US Army Management Systems Support Agency...), United States Secret Service (USSS), United States Customer Service (USCS); or rifle clubs, educational... activities (other than rifle clubs and educational institutions). (1) Arms and accouterments may be loaned by...

  17. 7 CFR 1710.151 - Required findings for all loans.

    Science.gov (United States)

    2010-01-01

    .... Adequate electric service will be made available to the widest practical number of rural users in the... financial and managerial controls will be included in loan documents. See § 1710.113. (d) Interim financing... laws; the rules and policies of the state authority; precedents in other similar cases; statements made...

  18. 34 CFR 685.303 - Processing loan proceeds.

    Science.gov (United States)

    2010-07-01

    ...'s revised cost of attendance; and (C) That the student continues to qualify for the entire amount of the loan, notwithstanding any reduction in the student's cost of attendance caused by the student's temporary cessation of enrollment on at least a half-time basis. (3) If a student does not begin attendance...

  19. 7 CFR 1421.104 - Marketing assistance loan making.

    Science.gov (United States)

    2010-01-01

    ... all commodities pledged as collateral for marketing assistance loan disbursements in amounts greater... it is determined that CCC's interest is at risk and perfect its security interest in such commodity..., CCC will conduct a lien search with respect to all commodities pledged as collateral for a marketing...

  20. Application of BSDE in Standard Inventory Financing Loan

    Directory of Open Access Journals (Sweden)

    Hui Zhang

    2017-01-01

    Full Text Available This paper examines the issue of loans obtained by the small and medium-sized enterprises (SMEs from banks through the mortgage inventory of goods. And the loan-to-value (LTV ratio which affects the loan business is a very critical factor. In this paper, we provide a general framework to determine a bank’s optimal loan-to-value (LTV ratio when we consider the collateral value in the financial market with Knightian uncertainty. We assume that the short-term prices of the collateral follow a geometric Brownian motion. We use a set of equivalent martingale measures to build the models about a bank’s maximum and minimum levels of risk tolerance in an environment with Knightian uncertainty. The models about the LTV ratios are established with the bank’s maximum and minimum risk preferences. Applying backward stochastic differential equations (BSDEs, we get the explicit solutions of the models. Applying the explicit solutions, we can obtain an interval solution for the optimal LTV ratio. Our numerical analysis shows that the LTV ratio in the Knightian uncertainty-neutral environment belongs to the interval solutions derived from the models.

  1. Evaluating Competition in the Loan and Deposit Market using the ...

    African Journals Online (AJOL)

    kirstam

    support; state guarantees to financial institutions; targeted facilities; and increased .... 2016, the central bank set the maximum lending rates for both productive and ... The high cost structures in the economy have been accused of affecting the competitiveness of the. Evaluating Competition in the Loan and Deposit Market ...

  2. 77 FR 10455 - National Institutes of Health Loan Repayment Programs

    Science.gov (United States)

    2012-02-22

    ... Repayment Program for Research with Respect to Acquired Immune Deficiency Syndrome (or AIDS Research LRP... three Intramural LRPs include the AIDS Research LRP, General Research LRP, and Clinical Research LRP for... Immune Deficiency Syndrome (or AIDS Research LRP); (2) Loan Repayment Program for General Research (or...

  3. Strategies to Test for Private Student Loan Discrimination

    Science.gov (United States)

    Darolia, Rajeev

    2014-01-01

    Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

  4. 26 CFR 1.993-4 - Definition of producer's loans.

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAXES Domestic International Sales Corporations § 1.993-4 Definition of producer's loans..., the gross receipts from the sale or lease of which were includible in the numerator of the fraction described in paragraph (b)(3)(i) of this section at the time of sale or lease by the borrower, is later...

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

    African Journals Online (AJOL)

    These include an increase in non-performing loans (NPLs), increased regulatory intervention and economic slowdown. The regulator, perceiving that banks were overcharging the banking public, has been intervening through pricing guidelines on the market, reducing bank charges and interest rates and influencing the ...

  6. 75 FR 52429 - Guaranteed Single Family Housing Loans

    Science.gov (United States)

    2010-08-26

    ... adequate but modest, decent, safe, and sanitary dwellings for their own use. Section 1980.373(e) states... Program for SFHGLP borrowers in default on their housing loans due to damage caused by certain hurricanes... certain hurricanes in 2005. This credit or reduction in the ultimate loss claim payment is necessary since...

  7. 49 CFR 22.13 - Loan terms and conditions.

    Science.gov (United States)

    2010-10-01

    ... the credit risk and reduce potential defaults and loan losses. (j) Key Person Life Insurance. The... shall be set up as a revolving line of credit. The line permits the borrower to request principal advances, pay them back, and then re-borrow, not to exceed the face value of the line of credit...

  8. Optimizing a Library's Loan Policy: An Integer Programming Approach.

    Science.gov (United States)

    Al-Fares, Hesham K.

    1998-01-01

    Discusses the length of library loan periods and the number of books allowed to be borrowed. An integer programming model is formulated whose solution yields the optimum user satisfaction, and a case study conducted at King Fahd University of Petroleum and Minerals (Saudi Arabia) is presented. (Author/LRW)

  9. FINANCIAL BALANCE AND LOANS OF THE SHAREHOLDERS TO THE COMPANY

    Directory of Open Access Journals (Sweden)

    Rus Luminita

    2012-07-01

    Full Text Available The present analyses, based on a case study show the influence on the financial balance of the loans from shareholders , taking into account the accounting treatment of loans. We do not know that the Romanian economic literature to be treated that aspect. That is why we consider the study as being useful to managers, members, shareholders, and all business partners to form the economic decisions. The purpose of this financial analysis is to examine critically the accounting and financial information ofered by the companies to assess their performance and their financial position (Laurence Le Gallo. The financial position of firms is assessed based on the financial structure and financial balance. In a same time the financial balance is approached from a static perspective based on the: net situation, working capital, necessary of working capital, net treasury. The present analyses deals with financial balance in a static manner based on these four indicators listed. The sources of data for the analysis of financial balance are offered mainly in the financial statement. This document has been used data from a company that is engaged in the carriage of goods. Analysis was made over a period of five years. The present analysis showed that financial balance is influenced by the way that the shareholders loans to the company are treated by including them in long-term debt or short-term. Reprocessing of loans and their inclusion in long-term debt, changes the perspective on financial balance showing that on the long-term company has a stable balance. These aspects require preparation of loan agreements with associates as loans work in reality. The contracts must to highlight the progress of the loan on the long term and not to be extended or remodeled the short-term contracts. Of course, there are always solutions to improve the financial balance and in this way the financial position and the performance of the company. However, the proposed solutions

  10. Binomial tree method for pricing a regime-switching volatility stock loans

    Science.gov (United States)

    Putri, Endah R. M.; Zamani, Muhammad S.; Utomo, Daryono B.

    2018-03-01

    Binomial model with regime switching may represents the price of stock loan which follows the stochastic process. Stock loan is one of alternative that appeal investors to get the liquidity without selling the stock. The stock loan mechanism resembles that of American call option when someone can exercise any time during the contract period. From the resembles both of mechanism, determination price of stock loan can be interpreted from the model of American call option. The simulation result shows the behavior of the price of stock loan under a regime-switching with respect to various interest rate and maturity.

  11. [Art in undergraduate medical education].

    Science.gov (United States)

    Fjellstad, Kenneth; Isaksen, Tor Olav; Frich, Jan C

    2003-08-28

    During the last decades attempts have been made at integrating art in medical education. What should be the form, content and objectives of such teaching? We address this question on the basis of a review of articles in medical journals from 1990 until May 2001 about art and undergraduate medical education. A common reason for integrating art in undergraduate medical education is that art may act as a balance to the dominance of natural science. One pedagogical approach is to use art as a tool for training skills. Many articles emphasise that teaching art should also contribute to the personal and professional development of medical students. The majority of articles report on courses in literature and medicine. Art is often taught in small or medium-sized groups; courses may last from single lessons to programmes over years. The aim of art courses may be the development of skills, but also one of facilitating personal growth and professional development.

  12. Thermodynamics a complete undergraduate course

    CERN Document Server

    Steane, Andrew M

    2016-01-01

    This is an undergraduate textbook in thermodynamics—the science of heat, work, temperature, and entropy. The text presents thermodynamics in and of itself, as an elegant and powerful set of ideas and methods. These methods open the way to understanding a very wide range of phenomena in physics, chemistry, engineering, and biology. Starting out from an introduction of concepts at first year undergraduate level, the roles of temperature, internal energy, and entropy are explained via the laws of thermodynamics. The text employs a combination of examples, exercises, and careful discussion, with a view to conveying the feel of the subject as well as avoiding common misunderstandings. The Feynman–Smuluchowski ratchet, Szilard’s engine, and Maxwell’s daemon are used to elucidate entropy and the second law. Free energy and thermodynamic potentials are discussed at length, with applications to solids as well as fluids and flow processes. Thermal radiation is discussed, and the main ideas significant to global...

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

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

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

  14. 13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

    Science.gov (United States)

    2010-01-01

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

  15. 38 CFR 36.4251 - Loans to finance the purchase of manufactured homes and the cost of necessary site preparation.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loans to finance the... Manufactured Home Lot Loans § 36.4251 Loans to finance the purchase of manufactured homes and the cost of necessary site preparation. (a) A loan to finance the purchase of a manufactured home may include funds (or...

  16. 26 CFR 1.7872-16 - Loans to an exchange facilitator under § 1.468B-6.

    Science.gov (United States)

    2010-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES General Actuarial Valuations § 1.7872-16 Loans to....468B-6(b). (b) Treatment as demand loans. For purposes of section 7872, except as provided in paragraph (d) of this section, an exchange facilitator loan is a demand loan. (c) Treatment as compensation...

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

    Science.gov (United States)

    Fernandez, Chris

    2016-01-01

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

  18. 78 FR 53431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-08-29

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

  19. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Science.gov (United States)

    2010-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the loan...

  20. 34 CFR 685.218 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2012-05-21

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

  2. 77 FR 30265 - Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment...

    Science.gov (United States)

    2012-05-22

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

  3. 77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Science.gov (United States)

    2012-09-24

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

  4. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaced by CentER DP 2012-014)

    NARCIS (Netherlands)

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

    2010-01-01

    We study 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 hazard rate on Islamic loans is less than half the hazard rate on conventional loans.

  5. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaced by EBC DP 2012-008)

    NARCIS (Netherlands)

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

    2010-01-01

    We study 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 hazard rate on Islamic loans is less than half the hazard rate on conventional loans.

  6. 78 FR 5431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Science.gov (United States)

    2013-01-25

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

  7. STRATEGI PENGELOLAAN NON PERFORMING LOAN (NPL BANK UMUM YANG GO PUBLIC

    Directory of Open Access Journals (Sweden)

    Selamet Riyadi

    2015-03-01

    Full Text Available Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan pada Bank Umum di Bursa Efek Indonesia periode tahun 2007sampai dengan tahun 2014. Sampel yang digunakan dalam penelitian ini adalah 10 Bank Umum di BEI. Penelitian ini menggunakan metode regresi data panel dengan efek random. Hasil penelitian menyimpulkan bahwa capital adequacy ratio, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional berpengaruh signifikan terhadap non performing loan, sedangkan variabel total aset tidak berpengaruh signifikan terhadap non performing loan. Model efek random layak digunakan untuk mengestimasi pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan.

  8. Innovation of Undergraduate Medical Education

    OpenAIRE

    植村, 研一; Uemura, Kenichi

    1995-01-01

    Classical undergraduate medical education in Japan has largely based on didactic lectures, followed by protocol-guided laboratory experiments and clinical training of history taking and physical examination. Such education strategies are efficient for cramming facts and theories, which will soon become obsolete by the time when the students go into clinical practice and are not effective for education of effective clinical skills. In the cognitive domain, what students must learn are not fact...

  9. Pattern of Smartphones Utilisation among Engineering Undergraduates

    OpenAIRE

    Muliati Sedek

    2014-01-01

    The smartphones ownership among the undergraduates in Malaysia was recorded as high. However, little was known about its utilization patterns, thus, the focus of this research was to determine the utilisation patterns of smartphones based on the National Education Technology Standard for Students (NETS.S) among engineering undergraduates in Malaysia. This study was based on a quantitative research and the population comprised undergraduates from four Malaysian Technical Universities. A total ...

  10. Undergraduate Breakfast, Career Workshop, and Awards

    Science.gov (United States)

    2017-01-01

    Undergraduate students can enjoy a hearty breakfast and learn about how to prepare for a wide variety of careers in physics outside of academia. Topics of this interactive workshop will include planning and self-assessment, inventorying transferable skills, finding out more about career opportunities, and successfully applying for jobs. Immediately following the workshop, top presenters from the Undergraduate Research/SPS sessions will be recognized. All presenters in the undergraduate sessions will receive certificates acknowledging their scientific accomplishments.

  11. Motivation of first semester undergraduate students

    DEFF Research Database (Denmark)

    Schlichter, Bjarne; Sigvardsen, Kari; Jonsson, Sofia

    Purpose - The importance and development of information systems are increasing, so are the need of business students' general understanding of information systems and the function of these in businesses as well as influence on firms’ competitiveness. The aim of this study was to identify first year...... of first semester undergraduate students. Keywords -Motivation; first year undergraduate students; Management Information Systems; teaching assistants. Paper type - Research paper....... undergraduate students’ motivation and commitment towards education regarding management information system, and how student teaching assistants' attitude and qualities influence these factors. The paper is based on a case study of first year undergraduate students taking the course IT in Business as part...

  12. 25 CFR 103.37 - What must the lender do to collect payment under its loan guaranty certificate or loan insurance...

    Science.gov (United States)

    2010-04-01

    ...) Gather and dispose of all personal property pledged as collateral under the loan, in accordance with... collateral securing the loan under § 103.36(d)(2), and has a residual loss after doing so, it must send BIA... perform collateral liquidation as expeditiously and thoroughly as is reasonably possible, within the...

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

    Science.gov (United States)

    Klepfer, Kasey

    2015-01-01

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

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

    International Nuclear Information System (INIS)

    King, L.J.

    1987-01-01

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

  15. Corporate fraud and bank loans: Evidence from china

    Directory of Open Access Journals (Sweden)

    Yunsen Chen

    2011-09-01

    Full Text Available Receiving punishment from regulators for corporate fraud can affect financing contracts between a firm and its bank, as both the firm’s credit risk and information risk increase after punishment. By focusing on Chinese firms’ borrowing behavior after events of corporate fraud, we find that firms’ bank loans after punishment are not only significantly lower, but are also less than those for non-fraudulent firms. In addition, loan interest rates after punishment are not only higher than before, but also higher than those for their non-fraudulent counterparts. In addition, we find that corporate fraud indirectly destabilizes the “performance-bank loan” relationship. Our results suggest that corporate fraud negatively affects a firm’s ability to source debt financing, which provides new evidence about the economic consequences of fraud.

  16. 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.

  17. Loan Products Included in the Offer of Commercial Banks

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2009-04-01

    Full Text Available A bank loan is the main form of economical credit. It is for corporate activities – for medium and big companies and for retail activities – for small companies and individuals. The conditions for credit mainly depend on the quality of customers, it means their ability to perform a profitable activity and to be able to pay back the credits. For reasons which are mainly connected to marketing, bank practice has developed a large range of credit names, trying to emphasize some of the parts of the products or to take profit of some competition advantages in relation with customers’ products. We are trying to include the offer of bank loans in a typology which takes into account the law, the bank field rules and the main technical features of the offered products.

  18. Loan Default Prediction on Large Imbalanced Data Using Random Forests

    OpenAIRE

    Hong Wang; Lifeng Zhou

    2012-01-01

    In this paper, we propose an improved random forest algorithm which allocates weights to decision trees in the forest during tree aggregation for prediction and their weights are easily calculated based on out-of-bag errors in training. We compare the performance of our proposed algorithm and the original one on loan default prediction datasets. We also use these two algorithms to create two kinds of balanced random forests to deal with imbalanced data problem. Experiments results show that ...

  19. THE INSOLVENCY PHENOMENON AND THE NON PERFORMING LOANS

    Directory of Open Access Journals (Sweden)

    Lupu Dan

    2013-04-01

    Full Text Available The number of bankruptcies increases by 50% in the period 2008-2011, at over 20,000 cases. Most bankruptcies are in the sector of trade and services, where falling demand and increased financial blockage cause serious financial problems. This article presents comparatively, the evolution of the number of bankruptcies, total and by main industry. Also it develops an econometric model to determine the effects of nonperforming loans in RON and foreign currency on the number of bankruptcies.

  20. Do Creditor Rights Increase Employment Risk? Evidence from Loan Covenants

    OpenAIRE

    Liang, J. Nellie; Falato, Antonio

    2013-01-01

    Using a regression discontinuity design, we provide evidence that incentive conflicts between firms and their creditors have a large impact on employees. There are sharp and substantial employment cuts following loan covenant violations, when creditors exercise their ex post control rights. The negative impact of violations on employment is stronger for firms that face more severe agency and financing frictions and those whose employees have weaker bargaining power. Employment cuts following ...