WorldWideScience

Sample records for world bank loan

  1. Retrenched Journals: Further on the World Bank Loan in Nigeria.

    Science.gov (United States)

    Olorunsola, R.

    1995-01-01

    Reviews collection development difficulties encountered at Nigeria's University of Ilorin as a result of the inflation of serial subscription prices and the poor state of the Nigerian economy in the 1980s. Describes the library's successful use of the World Bank loan of 1990-1993 to fund journal renewals and purchases. (JMV)

  2. Schistosomiasis control in China: the impact of a 10-year World Bank Loan Project (1992-2001).

    Science.gov (United States)

    Xianyi, Chen; Liying, Wang; Jiming, Cai; Xiaonong, Zhou; Jiang, Zheng; Jiagang, Guo; Xiaohua, Wu; Engels, D; Minggang, Chen

    2005-01-01

    China has been carrying out large-scale schistosomiasis control since the mid-1950s, but in the early 1990s, schistosomiasis was still endemic in eight provinces. A World Bank Loan Project enabled further significant progress to be made during the period 1992-2001. The control strategy was focused on the large-scale use of chemotherapy -- primarily to reinforce morbidity control -- while at the same time acting on transmission with the ultimate goal of interrupting it. Chemotherapy was complemented by health education, chemical control of snails and environmental modification where appropriate. A final evaluation in 2002 showed that infection rates in humans and livestock had decreased by 55% and 50%, respectively. The number of acute infections and of individuals with advanced disease had also significantly decreased. Although snail infection rates continued to fluctuate at a low level, the densities of infected snails had decreased by more than 75% in all endemic areas. The original objectives of the China World Bank Loan Project for schistosomiasis control had all been met. One province, Zhejiang, had already fulfilled the criteria for elimination of schistosomiasis by 1995. The project was therefore a success and has provided China with a sound basis for further control.

  3. Achievements and challenges of the World Bank Loan/Department for International Development grant-assisted Tuberculosis Control Project in China.

    Science.gov (United States)

    Kong, Peng; Jiang, Xu; Zhang, Ben; Jiang, Shi-wen; Liu, Bo

    2011-07-01

    In March 2002, the government of China launched the World Bank Loan/ Department for International Development-supported Tuberculosis (TB) Control Project to reduce the prevalence and mortality of TB. The project generated promising results in policy development, strengthening of TB control systems, patient treatment success, funds management, and the introduction of legislation. In light of the global TB epidemic and control environment, it is useful to review the TB control priorities of the project, summarize the achievements and experiences around its implementation.

  4. 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.

  5. Learning to lend for off-grid solar power: policy lessons from World Bank loans to India, Indonesia, and Sri Lanka

    Energy Technology Data Exchange (ETDEWEB)

    Miller, Damian; Hope, Chris [Cambridge Univ., Judge Inst. of Management Studies, Cambridge (United Kingdom)

    2000-02-01

    The World Bank has sought to advance the diffusion of solar photovoltaic (PV) technology for off-grid applications in the developing world. As these systems are fundamentally different to centralised power stations and conventional rural electrification, the World Bank has been learning how best to lend for such technology. This study seeks to highlight the lessons learnt from the World Bank's first loans for off-grid PV to India, Indonesia, and Sri Lanka. It uses lifetime cost analysis to justify continued intervention in this sector, and it draws on theories of innovation diffusion to guide analysis and ultimately policy recommendations. Because of the special role of entrepreneurial start up companies in the rural PV sector, the paper also uses a company cash flow model to demonstrate the efficacy of various supply-side policies. Finally, the study concludes with a checklist of policy lessons and a consideration of the role of the International Finance Corporation in this sector. (Author)

  6. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

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

  7. The World Bank and pharmaceuticals.

    Science.gov (United States)

    Falkenberg, T; Tomson, G

    2000-03-01

    Within less than a decade the World Bank has become the largest single source of finance (loans) for health in low and middle income countries as well as a major player in the field of pharmaceuticals. Often 20-50% of the recurrent government health budget in developing countries is used to procure drugs. Drugs are among the most salient and cost-effective elements of health care and often a key factor for the success of a health sector reform. However, pharmaceuticals are frequently being used irrationally, mainly due to market imperfections in health care, such as information asymmetries, leading to serious health problems and a heavy financial burden on the health system. Lending priorities set by the World Bank could be used to promote public health sector reform, leading to the rational use of affordable and available drugs of good quality in developing countries. This report provides the first analysis of World Bank activity in the pharmaceutical sector worldwide. The analysis of 77 staff appraisal reports, describing the planning phase of World Bank country projects, shows that 16% of the total World Bank health, nutrition and population budget, or approximately US$1.3 billion, has been committed to loans or credits supporting pharmaceutical activities in the programme countries between 1989-95. Roughly US$1.05 billion has been committed to procurement of drugs and medical equipment. Only 5% of the total pharmaceutical sector lending is committed to software components such as drug policy work and rational use of drugs. No more than 45% of the projects were developed in collaboration with pharmaceutical expertise. The World Bank is recommended to improve its pharmaceutical sector involvement by promoting drug policy research and development including national and international dialogue on pharmaceutical issues to ensure rational use of both drugs and loans. In this, the World Bank has an advantage given its experience from working with both the private and

  8. World Bank Group/World Bank Corporate Scorecards, April 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

  9. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  10. Changing patterns of spatial clustering of schistosomiasis in Southwest China between 1999-2001 and 2007-2008: assessing progress toward eradication after the World Bank Loan Project.

    Science.gov (United States)

    Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Cohen, Ted; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

    2014-01-03

    We compared changes in the spatial clustering of schistosomiasis in Southwest China at the conclusion of and six years following the end of the World Bank Loan Project (WBLP), the control strategy of which was focused on the large-scale use of chemotherapy. Parasitological data were obtained through standardized surveys conducted in 1999-2001 and again in 2007-2008. Two alternate spatial cluster methods were used to identify spatial clusters of cases: Anselin's Local Moran's I test and Kulldorff's spatial scan statistic. Substantial reductions in the burden of schistosomiasis were found after the end of the WBLP, but the spatial extent of schistosomiasis was not reduced across the study area. Spatial clusters continued to occur in three regions: Chengdu Plain, Yangtze River Valley, and Lancang River Valley during the two periods, and regularly involved five counties. These findings suggest that despite impressive reductions in burden, the hilly and mountainous regions of Southwest China remain at risk of schistosome re-emergence. Our results help to highlight specific locations where integrated control programs can focus to speed the elimination of schistosomiasis in China.

  11. Dynamics of spatial clustering of schistosomiasis in the Yangtze River Valley at the end of and following the World Bank Loan Project.

    Science.gov (United States)

    Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Ward, Michael; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

    2014-06-01

    The 10-year (1992-2001) World Bank Loan Project (WBLP) contributed greatly to schistosomiasis control in China. However, the re-emergence of schistosomiasis in recent years challenged the long-term progress of the WBLP strategy. In order to gain insight in the long-term progress of the WBLP, the spatial pattern of the epidemic was investigated in the Yangtze River Valley between 1999-2001 and 2007-2008. Two spatial cluster methods were jointly used to identify spatial clusters of cases. The magnitude and number of clusters varied during 1999-2001. It was found that prevalence of schistosomiasis had been greatly reduced and maintained at a low level during 2007-2008, with little change. Besides, spatial clusters most frequently occurred within 16 counties in the Dongting Lake region and within 5 counties in the Poyang Lake region. These findings precisely pointed out the prior places for future public health planning and resource allocation of schistosomiasis. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

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

    OpenAIRE

    ter Wengel, J.; Visser, H.

    1998-01-01

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

  13. 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

  14. The World Bank.

    Science.gov (United States)

    Bangoura, O

    2008-09-01

    The control of human onchocerciasis (river blindness) is one of the most successful global partnerships ever supported by the World Bank. Mectizan mass treatments have greatly contributed to this success and have shaped the strategies of the programmes in which the World Bank has been involved - the Onchocerciasis Control Programme (OCP), which covered onchocerciasis control in West Africa until 2002, and the African Programme for Onchocerciasis Control (APOC), which is currently working in 30 countries, to protect millions of people from onchocerciasis. Through the strategy of community-directed treatment with ivermectin (CDTI), onchocerciasis control in Africa was transformed from a technologically-driven and vertical health initiative to a community-directed process of treatment and empowerment. Together, CDTI and the donation of Mectizan also reduced costs, producing one of the most effective and affordable disease-control schemes ever seen, and the CDTI strategy is now being applied to other disease-control initiatives. The onchocerciasis programmes have also been exemplary in shaping partnerships with communities, countries, the World Health Organization, governments, non-governmental development organizations, and the private sector. The Bank's involvement in onchocerciasis control has helped mobilize funds, giving confidence to other donors. More than U. S.$800 million was raised for both the OCP and APOC (excluding the initial costs of Mectizan). With these funds and the commitment of the partners involved, high coverages have been achieved in the Mectizan distributions. The Bank is confident that, during the years to come, the partners will continue their success, and that the APOC will achieve its goals by the target date for its closure, in 2015.

  15. 26 CFR 1.581-2 - Mutual savings banks, building and loan associations, and cooperative banks.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks, building and loan associations, and cooperative banks. 1.581-2 Section 1.581-2 Internal Revenue INTERNAL REVENUE SERVICE... § 1.581-2 Mutual savings banks, building and loan associations, and cooperative banks. (a) While the...

  16. Long-term impact of the World Bank Loan Project for schistosomiasis control: a comparison of the spatial distribution of schistosomiasis risk in China.

    Science.gov (United States)

    Zhang, Zhijie; Zhu, Rong; Ward, Michael P; Xu, Wanghong; Zhang, Lijuan; Guo, Jiagang; Zhao, Fei; Jiang, Qingwu

    2012-01-01

    The World Bank Loan Project (WBLP) for controlling schistosomiasis in China was implemented during 1992-2001. Its short-term impact has been assessed from non-spatial perspective, but its long-term impact remains unclear and a spatial evaluation has not previously been conducted. Here we compared the spatial distribution of schistosomiasis risk using national datasets in the lake and marshland regions from 1999-2001 and 2007-2008 to evaluate the long-term impact of WBLP strategy on China's schistosomiasis burden. A hierarchical Poisson regression model was developed in a Bayesian framework with spatially correlated and uncorrelated heterogeneities at the county-level, modeled using a conditional autoregressive prior structure and a spatially unstructured Gaussian distribution, respectively. There were two important findings from this study. The WBLP strategy was found to have a good short-term impact on schistosomiasis control, but its long-term impact was not ideal. It has successfully reduced the morbidity of schistosomiasis to a low level, but can not contribute further to China's schistosomiasis control because of the current low endemic level. A second finding is that the WBLP strategy could not effectively compress the spatial distribution of schistosomiasis risk. To achieve further reductions in schistosomiasis-affected areas, and for sustainable control, focusing on the intermediate host snail should become the next step to interrupt schistosomiasis transmission within the two most affected regions surrounding the Dongting and Poyang Lakes. Furthermore, in the lower reaches of the Yangtze River, the WBLP's morbidity control strategy may need to continue for some time until snails in the upriver provinces have been well controlled. It is difficult to further reduce morbidity due to schistosomiasis using a chemotherapy-based control strategy in the lake and marshland regions of China because of the current low endemic levels of infection. The future control

  17. Long-term impact of the World Bank Loan Project for schistosomiasis control: a comparison of the spatial distribution of schistosomiasis risk in China.

    Directory of Open Access Journals (Sweden)

    Zhijie Zhang

    Full Text Available BACKGROUND: The World Bank Loan Project (WBLP for controlling schistosomiasis in China was implemented during 1992-2001. Its short-term impact has been assessed from non-spatial perspective, but its long-term impact remains unclear and a spatial evaluation has not previously been conducted. Here we compared the spatial distribution of schistosomiasis risk using national datasets in the lake and marshland regions from 1999-2001 and 2007-2008 to evaluate the long-term impact of WBLP strategy on China's schistosomiasis burden. METHODOLOGY/PRINCIPAL FINDINGS: A hierarchical Poisson regression model was developed in a Bayesian framework with spatially correlated and uncorrelated heterogeneities at the county-level, modeled using a conditional autoregressive prior structure and a spatially unstructured Gaussian distribution, respectively. There were two important findings from this study. The WBLP strategy was found to have a good short-term impact on schistosomiasis control, but its long-term impact was not ideal. It has successfully reduced the morbidity of schistosomiasis to a low level, but can not contribute further to China's schistosomiasis control because of the current low endemic level. A second finding is that the WBLP strategy could not effectively compress the spatial distribution of schistosomiasis risk. To achieve further reductions in schistosomiasis-affected areas, and for sustainable control, focusing on the intermediate host snail should become the next step to interrupt schistosomiasis transmission within the two most affected regions surrounding the Dongting and Poyang Lakes. Furthermore, in the lower reaches of the Yangtze River, the WBLP's morbidity control strategy may need to continue for some time until snails in the upriver provinces have been well controlled. CONCLUSION: It is difficult to further reduce morbidity due to schistosomiasis using a chemotherapy-based control strategy in the lake and marshland regions of China

  18. World Bank Lending and the Quality of Economic Policy

    OpenAIRE

    Smets, Lode; Knack, Stephen

    2014-01-01

    This study investigates the impact of World Bank development policy lending on the quality of economic policy. It finds that the quality of policy increases, but at a diminishing rate, with the cumulative number of policy loans. Similar results hold for the cumulative number of conditions attached to policy loans, although quadratic specifications indicate that additional conditions may ev...

  19. 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.

  20. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

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

  1. 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

  2. 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...

  3. 76 FR 72823 - Voluntary Mergers of Federal Home Loan Banks

    Science.gov (United States)

    2011-11-28

    ... RIN 2590-AA37 Voluntary Mergers of Federal Home Loan Banks AGENCY: Federal Housing Finance Agency... for the consideration and approval of voluntary Bank mergers. DATES: The final rule is effective on... Voluntary Mergers Section 1209 of HERA added new paragraphs (b)(1) and (b)(2) to section 26 of the Bank Act...

  4. 12 CFR 7.1004 - Loans originating at other than banking offices.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loans originating at other than banking offices. 7.1004 Section 7.1004 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1004 Loans originating at other than banking offices. (a) General...

  5. Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

    Directory of Open Access Journals (Sweden)

    Memdani Laila

    2017-08-01

    Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

  6. 75 FR 72751 - Voluntary Mergers of Federal Home Loan Banks

    Science.gov (United States)

    2010-11-26

    ... AGENCY 12 CFR Part 1278 RIN 2590-AA37 Voluntary Mergers of Federal Home Loan Banks AGENCY: Federal... approval of voluntary Bank mergers. DATES: Written comments must be received on or before January 25, 2011....C. 1427. \\4\\ See 12 U.S.C. 1424; 12 CFR part 1263. B. HERA Provisions Addressing Voluntary Mergers...

  7. Operational Differences Between Quick Loan Companies and Traditional Banks

    OpenAIRE

    Vasama, Kaisa

    2016-01-01

    The need for this topic was discovered in practice at the commissioning company, a Finnish bank called OP, because the number of customers with credit report records seems to be increasing rapidly and the legislative changes in the consumer protection act are also forcing banks to change some of their operations. The goal of this study is to find out how the operations of quick loan companies differ from those of traditional banks, how the two alternatives have adapted to the legislative...

  8. 12 CFR Appendix A to Subpart A of... - Federal Home Loan Banks

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Federal Home Loan Banks A Appendix A to Subpart A of Part 905 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOUSING FINANCE BOARD... Board Pt. 905, Subpt. A, App. A Appendix A to Subpart A of Part 905—Federal Home Loan Banks Federal Home...

  9. 75 FR 23152 - Board of Directors of Federal Home Loan Bank System Office of Finance

    Science.gov (United States)

    2010-05-03

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

  10. Can Student Loans Improve Accessibility to Higher Education and Student Performance? An Impact Study of the Case of SOFES, Mexico. World Bank Policy Research Working Paper 3425

    Science.gov (United States)

    Canton, Erik; Blom, Andreas

    2004-01-01

    Financial aid to students in tertiary education can contribute to human capital accumulation through two channels: increased enrollment and improved student performance. We analyze the quantitative importance of both channels in the context of a student loan program "Sociedad de Fomento a la Educacion, Superior" (SOFES) implemented at…

  11. 7 CFR 1610.10 - Determination of interest rate on Bank loans.

    Science.gov (United States)

    2010-01-01

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

  12. 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.

  13. Investment banks in AIC – alternative loan

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2015-03-01

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

  14. 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.

  15. 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.

  16. Does weather affect US bank loan efficiency?

    OpenAIRE

    Mamatzakis, E

    2013-01-01

    The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and finance. Yet, and in spite of the immense interest, no study, so far, has provided any comprehensive evidence on the impact of weather conditions. This paper provides the theoretical framework to study the impact of weather through its influence on bank manager’s mood on bank inefficiency. In particular, we provide empirical evidence of the dynamic interactions between weath...

  17. 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.

  18. 12 CFR 614.4080 - Loans and chartered territory-banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-banks for... POLICIES AND OPERATIONS Chartered Territories § 614.4080 Loans and chartered territory—banks for... eligible domestic parties domiciled within any territory that may be served by Farm Credit institutions...

  19. 77 FR 14787 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-03-13

    ... Credit Union Marietta Georgia. The Merchants And Citizens Bank McRae Georgia. Southwest Georgia Bank... of Ohio County Dundee Kentucky. Kentucky Neighborhood Bank Elizabethtown........ Kentucky. Peoples.... Belpre Savings Bank Belpre Ohio. Bethel Building & Loan Company Bethel Ohio. Equitable Savings & Loan...

  20. Determinants of Non Performing Loans in Commercial Banks: A Study of NBC Bank Dodoma Tanzania

    Directory of Open Access Journals (Sweden)

    N. Viswa Nadham

    2015-03-01

    Full Text Available The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs.   The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect.  Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.

  1. Spatial comparison of areas at risk for schistosomiasis in the hilly and mountainous regions in the People's Republic of China: evaluation of the long-term effect of the 10-year World Bank Loan Project.

    Science.gov (United States)

    Zhang, Zhi-Jie; Zhu, Rong; Bergquist, Robert; Chen, Dong-Mei; Chen, Yue; Zhang, Li-Juan; Guo, Jia-Gang; Zhao, Fei; Jiang, Qing-Wu

    2012-05-01

    The long-term effectiveness of the mainly chemotherapy-based control strategy of the World Bank Loan Project (WBLP) for schistosomiasis control in Chinese hilly and mountainous regions was evaluated with a view to determine the best road forward. Based on the national database of schistosomiasis prevalence for the periods of 1999-2001 and 2007-2008 in the People's Republic of China, a Bayesian regression model was used for spatial comparison of schistosomiasis risk distribution between two periods taking account of all the potential risk factors simultaneously through two latent components of random effects: spatially correlated heterogeneities (CH) and spatially uncorrelated heterogeneities (UH). Four different types of endemic areas were investigated: those that remained endemic despite control efforts (17 or 37.8%), those that became non-endemic (9 or 20.0%), those that reverted back to endemicity (7 or 15.6%), and those with fluctuating endemicity (12 or 26.7%). The overall prevalence of schistosomiasis was lower in 2007-2008 compared with that in 1999-2001, but the spatial distribution of risk remained similar. Compared to 1999-2001, the magnitude and range of risk even tended to be greater in 2007-2008. UH showed a fluctuating pattern, while CH increased gradually doubling over the two periods. There was no evidence for long-term effectiveness of the WBLP chemotherapy-based control strategy in this region. Controlling the effect of UH is still the main aspect of current schistosomiasis control strategy for the hilly and mountainous regions, but innovative methods are urgently needed for effectively controlling UH.

  2. Spatial comparison of areas at risk for schistosomiasis in the hilly and mountainous regions in the People’s Republic of China: evaluation of the long-term effect of the 10-year World Bank Loan Project

    Directory of Open Access Journals (Sweden)

    Zhi-Jie Zhang

    2012-05-01

    Full Text Available The long-term effectiveness of the mainly chemotherapy-based control strategy of the World Bank Loan Project (WBLP for schistosomiasis control in Chinese hilly and mountainous regions was evaluated with a view to determine the best road forward. Based on the national database of schistosomiasis prevalence for the periods of 1999-2001 and 2007- 2008 in the People’s Republic of China, a Bayesian regression model was used for spatial comparison of schistosomiasis risk distribution between two periods taking account of all the potential risk factors simultaneously through two latent components of random effects: spatially correlated heterogeneities (CH and spatially uncorrelated heterogeneities (UH. Four different types of endemic areas were investigated: those that remained endemic despite control efforts (17 or 37.8%, those that became non-endemic (9 or 20.0%, those that reverted back to endemicity (7 or 15.6%, and those with fluctuating endemicity (12 or 26.7%. The overall prevalence of schistosomiasis was lower in 2007-2008 compared with that in 1999- 2001, but the spatial distribution of risk remained similar. Compared to 1999-2001, the magnitude and range of risk even tended to be greater in 2007-2008. UH showed a fluctuating pattern, while CH increased gradually doubling over the two periods. There was no evidence for long-term effectiveness of the WBLP chemotherapy-based control strategy in this region. Controlling the effect of UH is still the main aspect of current schistosomiasis control strategy for the hilly and mountainous regions, but innovative methods are urgently needed for effectively controlling UH.

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

    OpenAIRE

    Christin Juniarta S.

    2013-01-01

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

  4. The legality of unilateral increase of interest rate in banking loan contracts under Serbian law

    Directory of Open Access Journals (Sweden)

    Dudaš Atila I.

    2016-01-01

    Full Text Available The economic crisis spread in 2008 through the world and reached Serbia, rendered the repayment of banking loans indexed in foreign currencies, mostly in CHF at the time, even more difficult. The growing number of non-performing loans inevitably led to an increase in number of the court proceedings in which the debtors made attempts to have the loan contracts declared null and void. In these proceedings, the courts needed to take a stand on some typical clauses in loan contracts and on some banking practices that the debtors considered to be contrary to the principle of good faith, which, before the crisis, was hardly ever given judicial epilogue. In the majority of cases, two types of clauses proved to be unlawful: a clause establishing a right of the bank to subsequently, i.e. after the formation of the contract, and unilaterally, i.e. without a specific consent of the debtor, change (regularly increase the interest rate for the remainder of the credit period; and a clause establishing the right of the bank to apply different exchange rates, i.e. the buying rate to the disbursement of the loan, and the selling rate to the value of credit installments. These clauses certainly existed even before the crisis, but the difficulties in performing the loans caused by the crisis was the social propelling force that brought these cases within the sight of the judiciary. In this paper the author analyzes the reaction of courts, and subsequently that of the legislator, to the clause in loan contracts entitling the bank to unilaterally increase the variable interest rate after the formation of contract. The application of this clause was usually conditioned on significant changes in international financial markets or changes in the costs of the sources of financing, while in some cases the conditions of the application of the clause were simply changes in the business policy of the bank or the need to operate with profit. In any case, these are

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

    NARCIS (Netherlands)

    Kirschenmann, K.

    2010-01-01

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

  6. 76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-11-10

    ... Delanco New Jersey Pinnacle Federal Credit Union Edison New Jersey Columbia Bank Fair Lawn New Jersey... Georgia The Bank of Edison Edison Georgia Colony Bank Fitzgerald Georgia Community Banking Company of... Hancock County Sparta Georgia Thomas County Federal Savings & Loan Thomasville Georgia Association...

  7. The impact of bank ownership concentration on impaired loans and capital adequacy

    NARCIS (Netherlands)

    Shehzad, Choudhry Tanveer; de Haan, Jakob; Scholtens, Bert

    This paper examines the impact of bank ownership concentration on two indicators of bank riskiness, namely banks' non-performing loans and capital adequacy. Using balance sheet information for around 500 commercial banks from more than 50 countries averaged over 2005-2007, we find that concentrated

  8. Revisiting Bank Pricing Policies in Brazil: evidence from loan and deposit markets

    OpenAIRE

    Leonardo S. Alencar

    2011-01-01

    This paper addresses the micro and macroeconomic determinants of interest rates in the Brazilian banking market. The results suggest that banks fully adjust their loan interest rates to a change in the monetary policy rate, but we also observe a rigid short-term response for some loan product categories. The study confirms that pricing policies can vary substantially depending on the market. For example, microeconomic factors did not seem to be a major determinant of retail loan rates, but th...

  9. Analysis On The Causes Of Nonperforming Loan At Bank Xyz Manado

    OpenAIRE

    Saliem, Stenly C.

    2013-01-01

    Bank works to bridge both people who have excess funds with the people who need funds. In practice not all of the funds raised from the public may be channeled properly to the public and usually have problems in terms of loan repayments to the bank and almost all banks in Indonesia experiencing nonperforming loan. This study is to know the factors that cause nonperforming loan at Bank XYZ Manado using qualitative method. The samples of respondent are 6 peoples who are the credit analyst at Ba...

  10. 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.

  11. WORLD BANK: Status of Grievance Process Reform

    National Research Council Canada - National Science Library

    1999-01-01

    In June 1998, in response, to concerns about the fairness of its employee grievance process and as part of a broader effort to reform its human resource policies, the World Bank appointed an internal...

  12. Corporate reliance on bank loans: Evidence from listed companies in Ghana

    Directory of Open Access Journals (Sweden)

    J Abor

    2014-07-01

    Full Text Available This paper examines the incidence of bank financing among Ghanaian listed companies and the determinants of listed firms’ reliance on bank borrowing. The empirical results from a regression model reveal that bank loans account for one-third of debt financing. This suggests that bank loans are important in financing Ghanaian listed firms. The results also show that asset structure, growth opportunities and interest rates have significantly positive associations with bank debt ratio, while age of the firm, size of the firm, profitability and firm risk are significantly and negatively related to bank debt ratio. The results generally indicate that bank loans represent an important source of financing Ghanaian listed firms.

  13. PENYALURAN KREDIT BANK DITINJAU DARI JUMLAH DANA PIHAK KETIGA DAN TINGKAT NON PERFORMING LOANS

    Directory of Open Access Journals (Sweden)

    Imam Mukhlis

    2017-03-01

    Full Text Available This research aimed to analyze the effect of money deposit on the bank and non performing loans on creditallocation from Bank Rakyat Indonesia in 2000-2009. The method of analyze was dynamic regression modelby Error Correction Model (ECM approach version Domowitz and Elbadawi. Our empirical results showedthat only non performing loan on the short term had a significant effect to credit allocation from Bank RakyatIndonesia on the short term and long term. The variable money deposit of the bank did not have a significanteffect on credit allocation from Bank Rakyat Indonesia both on short term and long term period.

  14. Business cycle effects on commercial bank loan portfolio performance in developing economies

    Directory of Open Access Journals (Sweden)

    Jack Glen

    2011-04-01

    Full Text Available This paper studies the effects of business cycles on the performance of commercial bank loan portfolios across major developing economies in the period 1996–2008. We measure loan performance via loan loss provisions (that is, recognized expenses related to expected losses in bank income statements. Our results indicate that while economic growth is the main driver of loan portfolio performance, interest rates have second-order effects. Furthermore, we find the relationship between loan loss provisions and economic growth to be highly non-linear only under extreme economic stress: GDP growth needs to decline by more than 6 percentage points (pp, in absolute terms in order to generate an increase in loan loss provisions equivalent to median emerging market bank profits; while a decline of more than 10 pp in growth implies significant capital losses, of at least 20 percent, for the median emerging market bank. In addition, we find higher loan loss provisions are associated with private sector leverage, poor loan portfolio quality, and lack of banking system penetration and capitalization.

  15. Efficiency measurement of the banking sector in the presence of non-performing loan

    Science.gov (United States)

    Hamid, Nurhayati; Ramli, Noor Asiah; Hussin, Siti Aida Sheikh

    2017-01-01

    Bank industry plays a vital role in a country's economic development. In the banking industry, the non-performing loans which are acknowledged as being undesirable outputs and usually ignored in most of the analysis should be taken into account since they are undesirable by-products of producing loans and may lead to the bank inefficiency. Modelling the efficiency measurement without undesirable outputs can provide misleading results and unfair assessment. The Directional Distance Function (DDF) approach which extended from the Data Envelopment Analysis (DEA) framework is one of the enhancement efficiency approaches to handle a situation when there is a joint production of the desirable and undesirable outputs. The comparison of both results between the domestic and foreign banks shows that the DEA technical efficiency score for domestic banks is marginally higher than the Malaysian foreign banks. However, when incorporating the undesirable output, the DDF technical efficiency for foreign banks is slightly higher than domestic banks.

  16. Approaches of the Bank Loan Portfolio within the Framework of the Financial Crisis

    Directory of Open Access Journals (Sweden)

    Bogdan Florin Filip

    2012-05-01

    Full Text Available In this paper, the author proposes himself, first, to define, in his view, and to outline the content of" bank loan portfolio", starting from the requirements of its efficient management, considering that the properuse of the concept favours the treatment of related issues, both in theoretical and, especially, in bankingpractice, for which, there are invoked approaches of this expression cited in other works in the foreign andRomanian scientific literature. Furthermore, it is argued the need and the possibility of the applicativeapproaches to banks' loan portfolios, in terms of quantitative dimensions, but especially from qualitativeperspective, through their structuring on types of loans currently in progress. In this respect, there areprocessed and interpreted data that characterize the formation and administration of loan portfolios ofcommercial banks in Romania and in other European countries, resulting findings, assessments andconclusions, having resonances in the theory and practice of banking.

  17. AN ANALYSIS OF FACTORS THAT AFFECT THE QUALITY OF FEDERAL LAND BANK LOANS

    OpenAIRE

    Hardy, William E., Jr.; Spurlock, Stanley R.; Parrish, Donnie R.; Benoist, Lee A.

    1987-01-01

    Financial conditions existing in agriculture are placing severe pressure on lenders as well as borrowers. Data from both good and foreclosed Federal Land Bank loans were analyzed to determine the most important characteristics leading to the failure of loans. The analysis was completed by comparing means through t-tests and the development of a discriminant model. The ratio of total debt service to total income, the debt to asset ratio, the ratio of total loan amount to appraised value, and t...

  18. Credit supply and monetary policy : Identifying the bank balance-sheet channel with loan applications

    NARCIS (Netherlands)

    Jimenez Porras, G.; Ongena, S.; Peydro, J.L.; Saurina, J.

    2012-01-01

    We analyze the impact of monetary policy on the supply of bank credit. Monetary policy affects both loan supply and demand, thus making identification a steep challenge. We therefore analyze a novel, supervisory dataset with loan applications from Spain. Accounting for time-varying firm

  19. Bank-Lending Standards, Loan Growth and the Business Cycle in the Euro Area

    OpenAIRE

    Kaufmann, Sylvia; Scharler, Johann

    2013-01-01

    We study the relationship between bank lending standards, loan growth and the business cycle in the euro area and the US within a vector error correciton model using Bayesian estimation methods. To deal with the short data series available for the euro area, we exploit information from the estimated US system to improve the estimation of the euro area system. We find that tighter bank lending standards are associated with lower loan growth as well as lower output growth in both areas. Differe...

  20. 78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance

    Science.gov (United States)

    2013-12-06

    ... From the Federal Register Online via the Government Publishing Office ] FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1260 Information To Be Distributed to the Federal Home Loan Banks and the Office of... Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA) to...

  1. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios: Application to the Danish Agricultural Sector

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    An Asset Protection Scheme (APS) is a portfolio insurance contract; a credit derivative used as a tool to restore financial stability and reestablish economic confidence. Opposed to most governmental bailout packages implemented all over the world recently, the APS can be a fair market contract...... as the underlying in the valuation of the corresponding APS in order to demonstrate the applicability of the APS as a regulatory tool. The contribution to the financial literature on credit risk is the empirical analysis of agricultural loans using our unique data set. The contribution to the banking literature...... is the suggestion of how to use the specific type of credit derivative in a manner which retains an appropriate structure of incentives for banks to tend and maintain their loan portfolios. Finally, the contribution to the Danish society is a specific suggestion of how to address the serious problems concerning...

  2. Currency Denomination of Bank Loans : Evidence from Small Firms in Transition Countries

    NARCIS (Netherlands)

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

    2008-01-01

    We examine the firm-level and country-level determinants of the currency denomination of small business loans. We introduce an information asymmetry between banks and firms in a model that also features the trade-off between the cost of debt and firm-level distress costs. Banks in our model don’t

  3. SME Financing in Europe: Cross-Country Determinant of Bank Loan Maturity

    NARCIS (Netherlands)

    Koeter-Kant, J.; Hernandez-Canovas, G.

    2011-01-01

    This article examines the influence of cross-country differences on bank loan maturity for small and medium-sized enterprises (SMEs), using a sample of 3366 SMEs from 19 European countries. It analyses a country's legal and institutional environment while controlling for banking structure, economic

  4. The World Bank Pension Conceptual Framework

    OpenAIRE

    World Bank

    2008-01-01

    Since the mid 1980's, the World Bank has responded to the need to strengthen social insurance and contractual savings systems providing old age income support in developing countries. Such support has also been driven by pressures of global population aging, the erosion of informal and traditional family support systems, and weaknesses in the governance and administration of existing pensi...

  5. NONPERFORMING LOANS PORTFOLIO AND ITS EFFECT ON BANK PROFITABILITY IN NIGERIA

    Directory of Open Access Journals (Sweden)

    John N. N. Ugoani

    2016-05-01

    Full Text Available Huge nonperforming loans portfolio erodes the ability of banks to make profits. In the 1990s and beyond many Nigerian banks became weak and highly unprofitable due to excessive nonperforming loans portfolio accumulated by bank promoters and management that led to their demise. Insider dealing was the major cause of large nonperforming loan portfolio in Nigeria, involving over-extension of loans to promoters, directors and significant others that became bad and irrecoverable. To clean up the mess in the banking sector and return the banks to the paths of sound management and profitability, the CBN had to inject about N700bn in a bailout exercise while purging the system of bad and irresponsible management teams .The exploratory research design was adopted. Data generated were organized and coded before they were classified. To achieve the objective of the study data analyses were done through descriptive and regression analyses using the statistical package for the social sciences for the regression. With the regression result of Y = 78.353 – 4.04x it was found that nonperforming loans portfolio has negative effect on bank profitability.

  6. Trade credit and bank loan in period of financial crisis: Evidence from Tunisian exporting companies

    Directory of Open Access Journals (Sweden)

    Meryem Bellouma

    2016-04-01

    Full Text Available This paper examines the relationship between trade credit and bank loan during the financial crisis using annual data on Tunisian exporting companies over the period 2005- 2011. Results based on 2SLS regression have shown that trade credit and bank credit were simultaneously determined and maintained a complementary effect before 2008 financial crisis. On the other side, the substitution effect has been detected between the two sources of short term financing during 2008 financial crisis. Finally, companies rely more on bank loan after the financial crisis because bankers are able to cover financial need of their customers.

  7. Afghanistan : The World Bank Country Survey FY 2012

    OpenAIRE

    World Bank Group

    2012-01-01

    The Country Survey for FY2012 in Afghanistan assists the World Bank in gaining a better understanding of how stakeholders in Afghanistan perceive the Bank. It provides the Bank with systematic feedback from stakeholders in Afghanistan about the following: 1) their views regarding the general environment in Afghanistan; 2) their overall attitudes toward the World Bank in Afghanistan; 3) ove...

  8. LOAN DISTRIBUTION STRATEGY PT. BANK X (PERSERO, TBK – BOGOR CREDIT BUSINESS UNIT

    Directory of Open Access Journals (Sweden)

    Isyana Mitrady

    2015-12-01

    Full Text Available PT. Bank X (Persero, Tbk has credit business unit and one of them is located in Bogor, which experienced decreased performance from year to year because of the increasing of competitiveness among rivalry. The decrease of performance measured both from realization of distribution credit and level of bad loans or Non Performing Loans (NPL. This research aimed to analyze the loan portfolio strategies based on the precautionary principle in the company. This research begins with identification factors affecting the company on its business both internal and external factors. The study was conducted qualitatively by filling questionnaires and in-depth interviews to seven experts on credit sector. Internal and external factors are treated with EFE-IFE matrix then IE matrix to determine the condition of the company, then a SWOT analysis to formulate some alternative strategies was carried out and last method is QSPM to choose the best strategic alternatives for the company. The results showed that the relative strength of the company has not been strong in overcoming internal weaknesses, but the company is considered good enough to take advantage of the opportunities that exist outside and can overcome challenges. Interest rates on loans, convenience and services to debtors, the technology owned by, also the opening of the public mindset about the banking world are the important factors that affect the company in doing business. Based on the QSPM result, supply chain utilization from existing debtor is the best strategy for prudent lending in company.Keyword: loan, non performing loan, IE Matrix, SWOT, QSPMABSTRAKPT. Bank X (Persero, Tbk memiliki salah satu unit bisnis penyalur kredit yang terletak di Bogor dan mengalami penurunan kinerja dari tahun ke tahun akibat persaingan yang semakin kompetitif. Penurunan kinerja tersebut diukur dari sisi realisasi penyaluran kredit maupun dari tingkat kredit macet. Penelitian ini bertujuan untuk menganalisis

  9. Daniel Stufflebeam and The World Bank.

    Science.gov (United States)

    Russon, Craig; Russon, Karen

    2018-01-30

    Circa 2000 when The Evaluation Center on the campus of Western Michigan University was undergoing a renovation, staff were encouraged to clean out their filing cabinets. One of the authors rescued two manila files from the garbage dealing with a presentation that Daniel Stufflebeam made to The World Bank on 13 December 1993 and a subsequent World Bank conference on evaluation and development in which he participated 5-6 December 1994. In these documents, Dan set out some of his early thinking on international evaluation and other topics. The authors used these materials to write a tribute article to Dan publishing some of these ideas for the historical record. Copyright © 2018 Elsevier Ltd. All rights reserved.

  10. World Bank Editorial Style Guide 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This guide is an essential reference for manuscript editors (substantive and mechanical editors), proofreaders, and production editors. It is a supplement to other editorial references, in particular, The Chicago Manual of Style, 16th edition, and Merriam-Webster's Collegiate Dictionary, 11th edition. It focuses on issues specific to the World Bank for which the Chicago manual provides multiple choices. The professional recommendations made in this guide are designed to ensure that every publ...

  11. Supervision and Performance : The Case of World Bank Projects

    NARCIS (Netherlands)

    Kilby, C.

    1995-01-01

    This paper explores empirical aspects of the relation between supervision and project performance. I focus on development projects funded by the World Bank and on supervision done by the World Bank. The World Bank is the preeminent international development organization both in terms of money lent

  12. Seeing Like the World Bank on Poverty

    DEFF Research Database (Denmark)

    Vetterlein, Antje

    2012-01-01

    This article investigates the way in which the World Bank constructs knowledge on poverty by identifying analytic institutions inside the organisation where ideas are developed, ‘anti-poverty advocates’ that populate these institutions and the strategies they employ to foster their agenda. By doing...... the discursive level with developments on the policy and operational level reveals that the poverty or social agenda has grown incrementally from the late 1960s even in times when neoliberalism dominated world politics and economy. The article goes beyond such an organisational analysis in critically assessing...

  13. 78 FR 6045 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2013-01-29

    ... categories of information to be shared, but also the many types of Bank-related financial data and reports... data base, might be appropriate for FHFA to include within the information sharing regime, either as... each Bank data relating to the Bank's unsecured credit exposure to individual counterparties and, from...

  14. The World Bank, pharmaceutical policies, and health reforms in Latin America.

    Science.gov (United States)

    Homedes, Núria; Ugalde, Antonio; Forns, Joan Rovira

    2005-01-01

    Health care systems spend a relatively high percentage of their resources on the purchase of medicines, and the poor spend a disproportionate amount of their income on pharmaceuticals. There is ample evidence in the literature that drugs are very poorly used. World Bank-led health reforms aim at improving equity, efficiency, quality, and users' satisfaction, and it will be difficult to achieve these goals without making medicines accessible and affordable. The purpose of this article is to examine the adequacy of World Bank pharmaceutical policies, as recommended in various Bank documents, for Latin America and to examine the implementation of the policy recommendations. The authors found that the World Bank identified and recommended a set of pharmaceutical policies that matched the needs of the region. But, as revealed through fieldwork and a review of the literature, the recommended pharmaceutical interventions were left out of the health reforms, and most of the loans that included pharmaceutical interventions allocated funds only to the purchase of drugs. The authors formulate four hypotheses that may explain the lack of congruence between the recommended policies and the strategies financed by World Bank health reform loans to the Latin American region.

  15. How International Monetary Fund and World Bank policies undermine labor power and rights.

    Science.gov (United States)

    Lloyd, Vincent; Weissman, Robert

    2002-01-01

    Based on reviews of hundreds of loan and project documents from the International Monetary Fund (IMF) and World Bank, this article provides detailed evidentiary support for critics who have long claimed that the international financial institutions require Third World countries to adopt policies that harm the interests of working people. After reviewing loan documents between the IMF and World Bank and 26 countries, the authors show that the institutions' loan conditionalities include a variety of provisions that undermine labor rights, labor power, and tens of millions of workers' standard of living. These include downsizing of the civil service and privatization of government-owned enterprises; promotion of labor flexibility: the notion that firms should be able to hire and fire workers, or change terms and conditions of work, with minimal regulatory restrictions; mandated wage rate reductions, minimum-wage reductions or containment, and spreading the wage gap between government employees and managers; and pension reforms, including privatization, that cut social security benefits. These labor-related policies take place in the context of broader IMF and World Bank structural adjustment packages that emphasize trade liberalization, with macroeconomic policies that further advance corporate interests at the expense of labor.

  16. The World Bank's "Employing Workers" index

    DEFF Research Database (Denmark)

    Lee, Sangheon; McCann, Deirdre; Torm, Nina Elisabeth

    2008-01-01

    This note provides an update on the ongoing debate over the World Bank's Doing Business project with a particular focus on its "Employing Workers" index, which is intended to measure difficulty of hiring, rigidity of working hours and difficulty of firing. The authors review the findings of studies...... that have used this index or been influenced by it and of those that inspired its construction. They go on to examine criticisms of this instrument, highlighting both conceptual and empirical problems. Their paper concludes with suggestions for alternative approaches and future research....

  17. Loan Performance Of Development Banks And Their Impact On ...

    African Journals Online (AJOL)

    Development banks were set up and restructured over the years in Nigeria by various governments to enhance self reliance and improve incomes of rural and urban farmers in Nigeria with huge sums of money. This paper investigated the extent to which one of such banks, NACRDB, had impacted on farmers' income level ...

  18. 75 FR 23631 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2010-05-04

    ...) (which acts as the Banks' fiscal agent) and certain functions of the Department of Housing and Urban... capital regime in part 932 of the regulations, the Bank would be exempted from future ] compliance with... incorporation of the FMP restrictions into the rule. A. Highlights of the Proposed Rule The proposed rule would...

  19. 76 FR 29147 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2011-05-20

    ... (Finance Board) over the Banks and the Office of Finance (OF) (which acts as the Banks' fiscal agent) and... implementation of its capital plan and its full coverage by the capital regime in part 932 of the regulations... Housing Finance Bd., 201 F.3d 551, 556 (5th Cir., 2000). Therefore, incorporation of the FMP guidelines...

  20. 12 CFR 5.50 - Change in bank control; reporting of stock loans.

    Science.gov (United States)

    2010-01-01

    ... contracted in good faith. (A) “Good faith” means that a person must either make or acquire a loan secured by... national bank resulting from a redemption of voting securities. (2) Acting in concert means: (i) Knowing... pursuant to an express agreement; or (ii) A combination or pooling of voting or other interests in the...

  1. Bridging the gap: The design of bank loan contracts and distance

    NARCIS (Netherlands)

    Hollander, Stephan; Verriest, A.J.M.

    How do the distance constraints faced by lenders in acquiring borrower information affect the design of bank loan contracts? Theoretical studies posit that greater information asymmetry leads to the allocation of stronger ex ante decision rights to the lender (the uninformed party). Consistent with

  2. 78 FR 52391 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-08-23

    ... the Council assesses the systemic risk posed by nonbank financial companies, the Council excludes... CFR Part 246 RIN 7100-AD-95 Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding Companies With Total Consolidated Assets of $50 Billion or More and Nonbank...

  3. ANALISIS PENGARUH LIKUIDITAS DAN NON PERFORMING LOANS TERHADAP TINGKAT KECUKUPAN MODAL PADA PT. BANK NEGARA INDONESIA, Tbk PERIODE 2004 ??? 2013

    OpenAIRE

    Bahri, Syamsul

    2015-01-01

    2015 Analisis Pengaruh Likuiditas Dan Non Performing Loans Terhadap Tingkat Kecukupan Modal Pada PT. Bank Negara Indonesia Tbk. Periode 2004-2013 Syamsul Bahri Cepi Pahlevi Fauzi R. Rahim Penelitian ini bertujuan untuk menganalisis Pengaruh Likuiditas Dan Non Performing Loans Terhadap Tingkat Kecukupan Modal Pada PT. Bank Negara Indonesia Tbk. Data yang digunakan adalah publikasi laporan tahunan PT. Bank Negara Indonesia, Tbk. sejak tahun 2004 sampai ...

  4. Why banks say NO to great healthcare practitioners. Five reasons why banks reject loans to quality small-business owners and what you can do about it.

    Science.gov (United States)

    Warrick, Cheree

    2014-01-01

    If you have a dream of opening or expanding a practice, then bank lending is probably an option you've considered. However, many practitioners are under the false assumption that banks are currently not lending. Untrue! Between 2008 and 2012, banks have loaned an average of $216 billion to small businesses throughout the United States each year. There are two aspects to a bank loan package: (1) your loan application with tax information, asset information, etc.; and (2) your business plan. This article delves into the five reasons banks say "no" to a great healthcare practitioner and what you should include in your business plan to not only have the bank say "yes" to financing your business but also to create a situation where multiple banks are offering to lend you money.

  5. THE IMPORTANCE OF LAND BANK FOR AGRICULTURAL DEVELOPMENT AND THE TECHNIQUE OF GRANTING RURAL LAND LOAN

    Directory of Open Access Journals (Sweden)

    LUCIAN-ION MEDAR

    2013-08-01

    Full Text Available In Romania, with the liberalization of the land market, appears the prospect of functioning of aspecialized agricultural bank which might be named ,,land bank’’. In principle, this institution can buy and sellagricultural land and to provide priority "rural land loan" for farm development. Mainly, it may incorporate anadvantageous loan system created for those who want to buy land for agriculture use, once of the liberalizationof land market since 2014. In this article we present some details about importance of this credit institution andgrant technique of rural land loan . Currently, the number of Romanian farmers grouped in associations is verysmall compared to the millions agricultural holdings. Young farm development can be possible only byappealing to an "engine" type "rural land loans" and which may more quickly solve their financial problems.

  6. 75 FR 81096 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-12-27

    ... earnings volatility, several Banks have scaled down their purchases of AMA and returned to their core... to receive shares of the cooperative's earnings and access to the cooperative's products and services...

  7. 75 FR 29947 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-05-28

    ... recent interest rate and earnings volatility, several Banks have scaled down their purchases of AMA and..., are entitled to receive shares of the cooperative's earnings and access to the cooperative's products...

  8. Assessment of loan administration by a micro finance bank ...

    African Journals Online (AJOL)

    ) to farmers in the Isoko South local ogovernment area of Delta State, Nigeria. Using structured questionnaire, data were collected from 78 farmers and 5 bank officials using simple random sampling and purposive sampling respectively.

  9. Determinants of the nonperforming loans level movement in the banking sector of Serbia

    Directory of Open Access Journals (Sweden)

    Stakić Nikola

    2014-01-01

    Full Text Available This paper offers an analysis of the regulatory and economic variables in the banking sector which may impact, to a greater or lesser extent, the level of nonperforming loans in Serbia. Although the banking sector, contrary to the rest of the economy, is recording positive results, there is also a simultaneously present and growing trend of nonperforming loans which is threatening to endanger the entire stability of the financial system. To that end, in the statistical and econometric analysis the point of departure were the following determinants: capital adequacy, the amount of loan loss provisions, profitability, ownership structure, and concentration in the banking sector, but also the growth rate of the real GDP. Using defined variables, what was examined was the stationary position of the observed series of data by means of an Augmented Dickey-Fuller (ADF test of unit root, for the period from the last quarter of 2008 and up to the third quarter of 2013. According to the methodology of the National Bank of Serbia, quarterly data were used with the total of 20 observations. The main data sources were different statistical reports published by the National Bank of Serbia.

  10. Feasibility study for banking loan using association rule mining classifier

    Directory of Open Access Journals (Sweden)

    Agus Sasmito Aribowo

    2015-03-01

    Full Text Available The problem of bad loans in the koperasi can be reduced if the koperasi can detect whether member can complete the mortgage debt or decline. The method used for identify characteristic patterns of prospective lenders in this study, called Association Rule Mining Classifier. Pattern of credit member will be converted into knowledge and used to classify other creditors. Classification process would separate creditors into two groups: good credit and bad credit groups. Research using prototyping for implementing the design into an application using programming language and development tool. The process of association rule mining using Weighted Itemset Tidset (WIT–tree methods. The results shown that the method can predict the prospective customer credit. Training data set using 120 customers who already know their credit history. Data test used 61 customers who apply for credit. The results concluded that 42 customers will be paying off their loans and 19 clients are decline

  11. The impact of efficiency on discretionary loans/finance loss provision: A comparative study of Islamic and conventional banks

    Directory of Open Access Journals (Sweden)

    Fekri Ali Shawtari

    2015-12-01

    Full Text Available The paper investigates whether there is a significance difference between the practices of discretionary loan/finance loss provisions between Islamic and conventional banks. Same time, the paper tests whether the efficiency may influence the behaviour of discretionary loans/finance loss provisions, taken into consideration other micro and macro variables. The study utilizes panel data runs over 1996–2011 with unbalanced observations for 16 banks, of which 4 Islamic banks. In order to achieve research objectives, the two-stage approach is adopted to examine the factors that may influence the behaviour of discretionary loan/finance loss provisions with specific emphasize on the efficiency. Furthermore, efficiency scores are estimated using Data Envelopment Windows Analysis. The findings of the research show that Islamic banks employ the discretionary loans/finance loss provisions to manage their earnings. However, the magnitude of discretion of accruals is significantly lower than conventional banks with exception for foreign banks which have reported lower discretionary loans/finance loss provisions than Islamic banks. Moreover, the analysis showed that efficiency affects the overall discretionary loans/finance loss provision positively, although this impact is shaped differently for Islamic and conventional banks.

  12. MEASURING MODEL FOR BAD LOANS IN BANKS. THE DEFAULT PROBABILITY MODEL.

    Directory of Open Access Journals (Sweden)

    SOCOL ADELA

    2010-12-01

    Full Text Available The banking sectors of the transition countries have progressed remarkably in the last 20 years. In fact, banking in most transition countries has largely shaken off the traumas of the transition eraAt the start of the 21st century banks in these countries look very much like banks elsewhere. That is, they are by no means problem free but they are struggling with the same issues as banks in other emerging market countries during the financial crises conditions. The institutional environment differs considerably among the countries. The goal we set with this article is to examine in terms of methodology the most important assessment criteria of a measuring model for bad loans.

  13. The Missing Link in Donor Prescribed Educational Reforms: Lack of Ownership (The Case of the World Bank in Ethiopian Higher Education)

    Science.gov (United States)

    Garomssa, Habtamu Diriba

    2016-01-01

    The World Bank (WB) as an international policy transfer and diffusion agent has been actively involved in orchestrating and driving Higher Education (HE) reforms globally. Such impact of the Bank has arguably, been more evident in the context of loan recipient countries. By using a hard mode of influence (financial), and more subtle or soft modes…

  14. FAKTOR-FAKTOR YANG MEMPENGARUHI LOAN TO DEPOSIT RATIO (LDR BANK UMUM DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Martha Novalina Ambaroita

    2017-06-01

    Full Text Available Loan to Deposit Ratio kredit belum menunjukan optimalisasi sesuai dengan peraturan Bank Indonesia yaitu berkisar 85%-110%. Penelitian ini bertujuan untuk mendiskripsikan DPK, CAR, dan NPL, dan menganalisis bagaimana pengaruh CAR, DPK, NPL, terhadap LDR dalam jangka pendek dan jangka panjang bank umum di Indonesia. Data yang digunakan adalah time series berdasarkan bulanan tahun 2009-2013 yang diperoleh dari Bank Indonesia dan Otoritas jasa keuangan (OJK. Metode analisis yang digunakan adalah Error Corection Model (ECM dan menggunakan uji asumsi klasik. Hasil dalam jangka panjang CAR tidak berpengaruh terhadap LDR, dalam jangka pendek CAR berpengaruh positif terhadap LDR bank umum di Indonesia, dalam jangka panjang DPK berpengaruh positif terhadap LDR dan dalam jangka pendek DPK tidak berpengaruh terhadap LDR bank umum di Indonesia, dalam jangka panjang NPL berpengaruh negatif terhadap LDR dan dalam jangka pendek NPL berpengaruh positif terhadap LDR. Saran untuk DPK diusahakan semaksimal mungkin. Berbagai inovasi terus dimunculkan dan berbagai strategi dimunculkan agar DPK yang efektif dan agar dalam jangka pendek dan jangka panjang dapat lebih maksimal sehingga tidak ada hambatan.  Loan to deposit ratio not show that the optimization of credit in accordance with the bank indonesia but range 85 % -110 % . This study attempts to mendiskripsikan dpk , car , and non-performing loans of the , and analyze how the influence of car , dpk , non-performing loans of the , against ldr in the short term and longer term commercial banks in indonesia . The data used was based on time series monthly koni year obtained from bank indonesia and the authority of financial services ( ojk . In the long run this results not affect the ldr, on this positive effect on short-term ldr commercial banks in indonesia; the positive effect on long-term deposits ldr in short-term deposits do not affect the ldr commercial banks in indonesia; in its negative effects towards long

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

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

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

  16. Mortgage loans: an analysis of the portfolios of the largest banks in Brazil

    Directory of Open Access Journals (Sweden)

    Bruno Vinícius Ramos Fernandes

    2013-05-01

    Full Text Available Given the current macroeconomic environment experienced in Brazil, where inflation has stabilized and the basic interest rate of the economy is in one of their historical lows, demand for mortgages is increasing. In this context, the mortgage is presented with great emphasis to meet the demand for purchasing housing in addition to being a catalyst for the reduction of the high housing deficit. From a descriptive and empirical-analytic was analyzed the mortgage loan portfolio of the largest banks of the country between the years 2001 and 2010 through Quarterly Financial Information (IFT available on the Central Bank website. It was settled a comparative relationship between the data in order to check the development of mortgage portfolios over the years and the factors that influenced this evolution, and evaluate the timeliness and quality of those loans. For the evolution of the portfolio there was an economic context in which Brazil was included in the period, and observed that for most of these operations are long term the banks are more exposed to market risk. With regard to credit risk parse that, over the years, Brazilian banks are presenting a mortgage loan portfolio with lower risk, and it is found that institutions with real estate credits with higher levels of portfolio risk are subject to have higher losses on such operations in the possibility of default.

  17. Empirical Analysis of Non-Performing Loans Trend and Growth Rate in Nigerian Banking System

    Directory of Open Access Journals (Sweden)

    Aniefiok Akpan Umoren

    2016-04-01

    Full Text Available Increasing trend in Non-performing loans (NPLs adversely affected availability of credits to economic agents in all sectors of the economy thereby constraining financial intermediation and economic activities. The study examined the trend and growth rates of NPLs in the Nigerian banking system during the major banking policy reforms regimes namely: pre-consolidation (1979 – 2004 and post consolidation era (2005 – 2014. Time series data collected were analyzed using descriptive and regression analyses. Results indicated irregular fluctuations in NPLs’ trend in both periods. This result suggested prevalent of high credit risk and corresponding reduction in lending capability of banks in the economy. Regression estimates of NPLs’ trend in the two regimes showed significant negative growth rates. This implies that, financial policies implemented in the country yielded positive impacts over time. NPLs assumed an exponential growth rate of -1.39% and -15.55% during the pre and post consolidated eras respectively. An average exponential growth rate of -5.2% was obtained during the entire period. Quadratic trend analysis revealed that, increase influence of time variable significantly reduced NPLs during pre- consolidation regime and the entire period considered. However, this influence was stagnated during post consolidation period. Based on the result, it is recommended that, prudent lending coupled with swift and orderly clean-up of banking system loan portfolios should be adopted to decelerate NPLs trend and growth rate in Nigeria. Time is an important element in designing and implementing any banking and macroeconomic policy.

  18. Rethinking the World Bank Agenda for Chinese Higher Education Reform

    Science.gov (United States)

    Ma, Jinyuan

    2014-01-01

    This article explores the way in which the World Bank has worked effectively with China in higher education. It investigates whether or not the cooperation between the two has changed in line with their changing relationship. More specifically, it discusses whether the World Bank's China agenda reflects the reform package of socio-institutional…

  19. Six Questions about The World Bank's 2020 Education Sector Strategy

    Science.gov (United States)

    Shafiq, M. Najeeb

    2011-01-01

    Based on interviews with World Bank staff in April 2011, this article answers six questions about the World Bank's Education Sector Strategy 2020 (ESS 2020): (1) What is the ESS 2020? (2) What is it not? (3) How was the development process of the ESS 2020 different from that of past Strategies? (4) How are the policy recommendations of the ESS…

  20. Assessment of selected world bank policies and their implications ...

    African Journals Online (AJOL)

    The review x-rayed some World Bank policies and their implications on the fight against poverty in Nigeria. World Bank policies on education, structural adjustment programme, water privatization, deregulation/liberalization and their implications on the fight against poverty in Nigeria were analyzed. In the review it was found ...

  1. Poverty and Policy Selectivity of World Bank Trust Funds

    OpenAIRE

    Eichenauer, Vera; Knack, Stephen

    2016-01-01

    Over the past decade, donors of foreign aid quadrupled their annual contributions to trust funds at the World Bank. This earmarking of contributions to donors' preferred recipient countries and issues has raised concerns about the alignment of trust funds with the performance-based allocations of aid by the International Development Association, the World Bank's concessional lending arm, a...

  2. Review of the World Bank Road Safety website.

    NARCIS (Netherlands)

    Maas, J.M.

    2006-01-01

    The Road Safety website of The World Bank needs to be redeveloped. The website should reflect the new developments in the work field and the IT policy of The World Bank and support its implementation. The report is meant as a brief business case, describing the target audience, purposes of the site,

  3. Determinants of loans and deposits strategies of foreign bank subsidiaries in emerging countries

    Directory of Open Access Journals (Sweden)

    Mehdi Mili

    2013-09-01

    Full Text Available Abstract. This paper focuses on the transmission of bank liquidity shocks in Loan and deposit in emerging markets. First, we attempt to identify factors affecting the credit strategy of foreign banks in emerging countries. Second, we test whether depositors exert market discipline on foreign subsidiaries. By combining financial variables of subsidiaries and their parent banks and macroeconomic variables of host and home countries, we investigate the factors that may affect the behavior of depositors. Our empirical approach is based on a Partial Least Squares-Path model that allows us to indentify the causal relationships between the various groups of variables. Our results show that foreign bank lending is determined by the specific financial variables of the parent bank and macroeconomic variables of the country of origin. This support that the strategy's credit of foreign subsidiary is centrally managed at the parent bank and credit supply of subsidiaries depends primary on the financial situation of its parent bank. Finally we find evidence of market discipline exercised over foreign subsidiaries in emerging countries. We show that market discipline is strongly affected by the specific characteristics of the subsidiary.

  4. The World Bank and the Third World: Reflections of a Skeptic.

    Science.gov (United States)

    Fernandez, Milagros

    1981-01-01

    Examines the impact of the World Bank on education funding in developing countries. The author concludes that the bank's objectives make education an instrument of national economic growth rather than contributing to individual development. (AM)

  5. Lessons Learned from World Bank Education Management Information System Operations

    OpenAIRE

    Abdul-Hamid, Husein; Saraogi, Namrata; Mintz, Sarah

    2017-01-01

    Lessons Learned from World Bank Education Management Information System Operations provides an overview of the World Bank’s portfolio in the area of Education Management Information Systems (EMISs) over the course of 17 years, from 1998 to 2014. It seeks to identify overall trends and characteristics of World Bank support in this area, with the intent of informing future project preparation and analytical work. The portfolio review revealed that although several good practices were evident, o...

  6. Effect 0f Credit Risk Management Techniques 0n The Performance 0f Unsecured Bank Loans Employed Commercial Banks In Kenya

    Directory of Open Access Journals (Sweden)

    Prof. R.W Gakure

    2013-07-01

    Full Text Available Financial risk in a banking organization is possibility that the outcome of an action or event could bring up adverse impacts. Such outcomes could either result in a direct loss of earnings / capital or may result in imposition of constraints on bank’s ability to meet its business objectives. The purpose of this study was to investigate the effect of credit risk management techniques on the performance of unsecured bank loans by commercial banks in Kenya.

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

    Science.gov (United States)

    Gaffney, Megan

    2012-01-01

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

  8. PENGARUH INFLASI, KURS DAN TINGKAT SUKU BUNGA TERHADAP NON PERFORMING LOAN PADA PT. BANK TABUNGAN NEGARA (PERSERO Tbk CABANG PADANG

    Directory of Open Access Journals (Sweden)

    Muthia Roza Linda

    2015-11-01

    Full Text Available This study aimed to get empirical evidence of the effects of inflation, exchange rate, and interest rates on non-performing loans At the State Savings Bank (Persero Tbk Branch Padang. In this research used observation period ranging from 2008 - 2013. Data used is secondary data obtained from the financial statements of the State Savings Bank (Persero Tbk Branch Padang. For testing the hypothesis used multiple linear regression model to see the value of t-statistic. Based on the results of hypothesis testing found that inflation, and interest rates are individually significant effect on non-performing loans at the State Savings Bank (Persero Branch Padang, whereas no significant effect on the rate of non-performing loans at the State Savings Bank (Persero Branch Padang ,

  9. 75 FR 8239 - Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of Credit

    Science.gov (United States)

    2010-02-24

    ...The Federal Housing Finance Agency (FHFA) is transferring regulations of the former Federal Housing Finance Board (Finance Board) to the FHFA's regulations. These regulations address, respectively, Federal Home Loan Bank (Bank) housing associates, the Banks' core mission activities, and Bank issuance of standby letters of credits. FHFA is not making any substantive amendments to these regulations, and is making only those changes that are necessary to accomplish the transfer and to account for the fact that FHFA has succeeded the Finance Board as the regulator for the Banks.

  10. World Bank Policy on Education: A Personal Account

    Science.gov (United States)

    Psacharopoulos, George

    2006-01-01

    Based on the author's over two decades of association with the World Bank, this paper reviews the institution's policies and practice on education. It describes why education policy, as revealed by operations, shifted dramatically since the early Bank projects on education and identifies the reasons for such a shift. The paper argues that the…

  11. World Bank Education Policy: Do the Neoliberal Critiques Still Apply?

    Science.gov (United States)

    Oise, Francine Menashy

    2007-01-01

    Throughout much of the 1990s, the overriding critique of the World Bank was placed on its neoliberal mandate, reflected in its various education measures. However, recently the Bank seems to have taken a notable shift away from this ideological stance in its rhetoric and initiatives. This paper attempts to ascertain the degree to which the…

  12. Essays on banking : Various aspects of the interaction between a firm and its creditor banks

    NARCIS (Netherlands)

    Morales Acevedo, Paola

    2016-01-01

    This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with

  13. Rhetoric and Reality: World Bank and CIDA Gender Policies

    Science.gov (United States)

    Hales, Jennifer

    2007-01-01

    The picture the World Bank paints of the world is an optimistic one: living standards are higher than ever before, humanity is progressing, and situations for women are improving. If this is really the case, why then does "the impoverishment of hundreds of millions of people" throughout the world continue? (Chossudovsky 1997, 33). Why do "the…

  14. Reflective Practice: How the World Bank Explored Its Own Biases?

    Science.gov (United States)

    McKee, Martin; Stuckler, David

    2015-12-10

    While many international organisations have independent evaluations, including the International Monetary Fund (IMF) and World Health organization (WHO), uniquely the World Bank in its 2015 World Development Report sought to ascertain the potential biases that influence how its staff interpret evidence and influence policy. Here, we describe the World Bank's study design, including experiments to ascertain the impact on Bank staff's judgements of complexity, confirmation bias, sunk cost bias, and an understanding of the wishes of those whom they seek to help. We then review the Bank's proposed mechanisms to minimise the impact of the biases they identified. We argue that this approach, that we refer to as 'reflective practice,' deserves to be adopted more widely among institutions that seek to use evidence from research to inform policy and practice. © 2016 by Kerman University of Medical Sciences.

  15. Targeting Aid: What the World Bank Has (Not Achieved

    Directory of Open Access Journals (Sweden)

    Peter Nunnenkamp

    2002-06-01

    Full Text Available In a report presented at the UN Conference on Financing for Development in March 2002, the World Bank claims that the effectiveness of its financial aid has improved substantially by targeting aid at poor developing countries pursuing sound economic policies. This paper argues that the World Bank's success story rests on a weak empirical foundation. The evidence does not support the view that poverty concerns and policy assessments dominated the distribution of World Bank financing in the 1990s. We conclude that the task of improving the allocation of aid is far from being accomplished. Finally, we discuss some implications of our findings for the future role of the World Bank in development financing.

  16. FRANK A. VANDERLIP AND THE NATIONAL CITY BANK DURING THE FIRST WORLD WAR

    Directory of Open Access Journals (Sweden)

    Priscilla Roberts

    2002-01-01

    Full Text Available This essay focuses on the First World War policies of the National City Bankof New York, drawing attention to the internal disputes within the bank over war financing. Some historians have suggested that during the First World War New York banks associated with the National City Bank favored fierce competition with the Allied powers for markets and overseas investment opportunities, whereas those linked to J. P Morgan and Company preferred cooperation with the Allied powers, concentrating upon handling the massive war financing the Allied war effort required. In reality the picture was more complex. The National City Bank participated substantially in Allied war loans and, with the First National Bank and Morgan’s, was one of the “Trio” of leading New York banks that handled such financing. Simultaneously, Frank A. Vanderlip, the National City president and a long-time advocate of the expansion of American foreign trade and investment, launched a major initiative to expand the National City’s overseas activities, through the establishment of foreign branches around the world and the creation of the American International Corporation, a foreign investment trust. Although Vanderlip suggested that he wished to cooperate with British financial interests in these activities, they generated conflict between the National City and the fiercely pro-Allied Morgan firm. Within the bank, they also created substantial tension between the broadly neutral Vanderlip and his staunchly pro-Allied patron, the bank’s chairman, James Stillman, who diedin 1918, and other strongly pro-Allied National City officers. Shortly afterthe war, Vanderlip proposed a massive and visionary scheme to provide American financing for European economic regeneration, causing the National City’s directors, who considered it impractical and outside their bank’s remit of maximizing profits, to dismiss him.

  17. Selecting the best bank that offered Islamic personal loan package by using consistent fuzzy preference relations (CFPR)

    Science.gov (United States)

    Kadir, Norhidayah A.; Sarudin, Ezzah Suraya; Hamid, Fairus; Shamsuddin, Nor Diyana Ahmad

    2014-10-01

    There are various thoughts and opinions when it comes to how people think of their selected banks. Therefore, to choose the best bank with a good personal loan package can be a bit tricky especially for first time customer. This research offers a guide in choosing the right bank for applying personal loan package by highlighting the important criteria that applicants should take into consideration. In order to cater the problem above, we used Consistent Fuzzy Preference Relations (CFPR). Based on expert and public opinions, the important criteria in selecting an Islamic personal loan package are interest rate, tenure of loan, processing period and security of the loan. We developed questionnaire with the criteria mention earlier and distributed it among academic staffs and non academic staffs at Faculty of Computer and Mathematical Sciences (FSKM), UiTM Shah Alam. Based on the questionnaire, we found that four banks have been selected for multiple reasons. Before we could determine the best bank, calculations are divided into 2 phases which are criteria weights determination and ranking of alternatives. We implemented these phases to get the aggregation result and to obtain the ranking in descending order. As a result, our objectives have been achieved. As a conclusion, CFPR can help others in the decision making process.

  18. From the History of the Loan and Account Bank of Persia (From the Russian Archives

    Directory of Open Access Journals (Sweden)

    Irina K. Pavlova

    2017-06-01

    Full Text Available The article analyzes new Russian archival materials related to the activities of the Loan and Account Bank of Persia from the late nineteenth century to the early twentieth century. The article illustrates how the Bank through its various activities, turned into one of the main agents of Russian state interest in Persia during that period. The performance of the Bank has been elucidated in the works of Russian and foreign researchers encompassing various aspects of the Bank’s activities. This article, however, is based on the previously unused materials from the Russian State Historical Archive (RGIA, St. Petersburg and the Archive of Foreign Policy of the Russian Empire (AVPRI, Moscow. Among the new materials introduced and employed in this article, two documents are of an exceptional importance: “Case of rewarding Persian subjects with Russian orders and medals” and “Case of purchasing a movie theatre”. These documents confirm that the Bank’s works in Persian were multi-faceted. Many merchants were involved in commercial relations with the Bank. At the same time, some of them were informants of the Bank and helped the Russians to monitor the situation in Persia. On avenue used by the Board in order to maintain amiable relationships with Shah and His immediate circle was to bestow fascinating gifts on them.

  19. The World Bank Annual Report 2010

    OpenAIRE

    World Bank

    2010-01-01

    The Annual Report is prepared by the Executive Directors of the International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA) in accordance with the by-laws of the two institutions. The President of the IBRD and IDA and the Chairman of the Boards of Executive Directors submit the Report, together with the accompanying administrative budgets and audited financial statements, to the Board of Governors.

  20. The changing role of the World Bank in global health.

    Science.gov (United States)

    Ruger, Jennifer Prah

    2005-01-01

    The World Bank began operations on June 25, 1946. Although it was established to finance European reconstruction after World War II, the bank today is a considerable force in the health, nutrition, and population (HNP) sector in developing countries. Indeed, it has evolved from having virtually no presence in global health to being the world's largest financial contributor to health-related projects, now committing more than $1 billion annually for new HNP projects. It is also one of the world's largest supporters in the fight against HIV/AIDS, with commitments of more than $1.6 billion over the past several years. I have mapped this transformation in the World Bank's role in global health, illustrating shifts in the bank's mission and financial orientation, as well as the broader changes in development theory and practice. Through a deepened understanding of the complexities of development, the World Bank now regards investments in HNP programs as fundamental to its role in the global economy.

  1. Investigating the Determinants of Nonperforming Loans in the Romanian Banking System: An Empirical Study with Reference to the Greek Crisis

    Directory of Open Access Journals (Sweden)

    Sofoklis D. Vogiazas

    2011-01-01

    Full Text Available This paper aims to investigate the determinants of nonperforming loans in the Romanian banking sector by means of time series modelling. It is motivated by the hypothesis that macroeconomic-cyclical indicators, monetary aggregates, interest rates, financial markets, and bank-specific variables influence the nonperforming loans in the Romanian banking system. Using monthly series that span from December 2001 to November 2010, we cover both the booming period and the recent financial crisis. Given the significant presence of the Greek banks in Romania, the novelty of the paper lies in the introduction of variables that proxy the Greek crisis. Thus, we examine the existence of a potential transmission channel to the Romanian banking system by investigating the impact of the Greek crisis to the Romanian nonperforming loans. Our findings indicate that macroeconomic variables, specifically the construction and investment expenditure, the inflation and the unemployment rate, and the country's external debt to GDP and M2 jointly with Greek crisis-specific variables influence the credit risk of the Romanian banking system. The results have several implications for policymakers, regulators, and managers as the most recent published stress tests on the Romanian banking system are based on end 2008 data.

  2. World Bank Development Policies and Poverty Alleviation

    African Journals Online (AJOL)

    sulaiman.adebowale

    2007-07-10

    Jul 10, 2007 ... exported them to the same markets as it did in the 1970s and 1980s (Onimode. 2003). Thus, whereas Africa ... their raw material calculations has lessened and by implication export rev- enues have also dwindled, .... Globalisation reinforces Africa's peripheral role in the world economy as it ensures that the ...

  3. Oil, debt, banking and the world recession

    OpenAIRE

    Banks, Ferdinand E.

    1983-01-01

    The threat of a major debt crisis is presently hanging over the international financial community like Damocles' sword. Behind the crisis lies the flood of petrodollars into the financial institutions of the industrial world since the mid 1970s and the consequent large-scale lending to “doubtful customers”. A simple solution to the problem is not in sight.

  4. 75 FR 65331 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-10-22

    ..., National Association.... Crystal Lake Illinois. Farmers State Bank of Danforth Danforth Illinois. Durand State Bank Durand Illinois. ] First Community Bank Elgin Illinois. Standard Bank and Trust Company...

  5. Modelling Strategy of Loan and Deposit Activity of a Commercial Bank

    Directory of Open Access Journals (Sweden)

    Ilchenko Kseniia O.

    2014-01-01

    Full Text Available The article considers development of strategy of loan-deposit strategy of a bank, which could be presented by relevant rates. Bank activity is described with goodwill and liquidity indicators that characterise tangible and intangible resources of an institution. Goodwill indicator is calculated on the basis of the previous period data. Liquidity is a relation of assets to liabilities at a certain moment of time. On the basis of these indicators the article develops a mathematical model, which includes an assumption about dependence of the rate of growth of deposits on liquidity and goodwill functions. There is a task of two criteria optimisation, the solution of which is a set of rates. The article considers cases when a bank does not change rates during a set period of time and when a bank changes them frequently under condition that rates are independent from each other. If we make an assumption that each change of rates is accompanied with costs, which are not reflected in the model, changing rates is inexpedient. The article offers to use partially constant average values of rates. The article considers the use of the ideal point for selection of one value out of the set of Pareto efficient solutions. Using presentation of the task of one criterion optimisation with respect to the liquidity ratio, the article shows that the use of the goodwill indicator influences the rate of growth of deposits. This task is a special case of the previous one, which means that this solution is within the set of the presented Pareto efficient point. But in the event of non-strict correspondence with the extreme value of the liquidity ratio, the solution worsens. The necessity of use of both criteria is important and improves the south for solution.

  6. World Bank Okays Public Interest in Higher Education

    Science.gov (United States)

    Post, David; Clipper, Lutitia; Enkhbaatar, D.; Manning, Anitra; Riley, Thomas; Zaman, Husam

    2004-01-01

    This essay review discusses the report of The Task Force on Higher Education and Society (TFHES), convened in 1998 by the World Bank but independently financed and staffed in collaboration with UNESCO and several foundations. "Peril and Promise" marks an historic turning point in the framework for postsecondary educational planning. Rate-of-return…

  7. World Bank Development Policies and Poverty Alleviation in Africa ...

    African Journals Online (AJOL)

    This paper looks at how World Bank policies affect the outcomes of efforts at alleviating widespread poverty in Africa. It questions the repercussion of these policies on the stability of African economies by analyzing the survey of the literature. From the evidence gathered from Africa and specific countries on the continent, the ...

  8. US politics and World Bank IDA-lending

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

    2006-01-01

    This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

  9. The World Bank's Africa Virtual University Project: A Revisit

    Science.gov (United States)

    Nafukho, Fredrick M.; Muyia, Machuma Helen

    2013-01-01

    Purpose: The main purpose of using technology in the delivery of virtual learning programs in higher education in Africa is to ensure access and equity as a strategy to develop human resources. Examining how specific educational innovations in higher education are working is necessary. The purpose of this study is to examine the World Bank's…

  10. World Bank in Nepal's Education: Three Decades of Neoliberal Reform

    Science.gov (United States)

    Regmi, Kapil Dev

    2017-01-01

    This paper critically analyses key educational policy documents produced by the World Bank mainly from the mid-1980s to 2010 with regard to implementing major educational projects in Nepal. Using critical policy sociology as a methodological tool, the paper explores how a small Himalayan nation with per capita income of about US$730 (2014) plunged…

  11. PENSION REFORMS AND WORLD BANK-REGULATED LAWS OF ...

    African Journals Online (AJOL)

    humanitarian act aimed at improving the welfare of those who left service and therefore handicapped by age. Such act ..... (2.199m bb1/day) and has 53.0 per cent of her labour force in services. The World Bank ... Europeans insist that social security, particularly pension benefits, should aim at the general enrichment of the ...

  12. Poverty in Albania: A Qualitative Assessment. World Bank Technical Paper.

    Science.gov (United States)

    De Soto, Hermine; Gordon, Peter; Gedeshi, Ilir; Sinoimeri, Zamira

    This World Bank qualitative assessment of poverty in Albania outlines five objectives: (1) it seeks to develop the understanding of poverty in the country by involving poor Albanians in a process of exploring the causes, nature, extent of poverty and its effects; (2) it is intended to support the Growth and Poverty Reduction Strategy Paper (GPRS),…

  13. Viewpoint – The World Bank Versus the World Commission on Dams

    Directory of Open Access Journals (Sweden)

    Robert Goodland

    2010-06-01

    Full Text Available The World Bank Group (WBG has long resisted guidelines from reformers and the World Commission on Dams (WCD requiring large dam projects to internalise the social and environmental costs of dam construction. Despite some progress, the Bank continues to resist calls for it to eschew countries’ use of violence in removing residents from areas to be flooded by reservoirs, compensate residents adequately for their losses, or involve affected people in planning for big dams. Suggestions are made for more humane and economically responsible Bank policies.

  14. Does a loan to a bank qualify as a ’deposit’?

    DEFF Research Database (Denmark)

    Werlauff, Erik

    2011-01-01

    from funds left in an account’. It finally concludes that it makes no difference when interpreting the definition ‘deposit’ in the sense of Article 1(1) of the Directive where the de-posits were made directly by the depositor/investor, or indirectly through an agent who had screened the market for bank......The article deals with the definition of ’deposit’ in Directive 94/19/EC, the Deposit Guarantee Directive, as amended by Directive 2009/14/EC. It is closer examined in the article to what extent a loan to a bank qualifis as a ’deposit’ in connection with the directive. The article concludes...... that deposits from provincial, regional, local and municipal authorities are included in the definition of deposit – provided that they fulfill the other requirements in the definition, i.e. that they come up to the definition “any credit balance which results from funds left in an account or from temporary...

  15. IS THE BRICS NEW DEVELOPMENT BANK A FLEDGLING ALTERNATIVE TO THE WORLD BANK?

    Directory of Open Access Journals (Sweden)

    A. Vazquez

    2017-01-01

    Full Text Available In 2001, the world began talking about BRIC – Brazil, Russia, India and China – as a potential powerhouse in the world economy. After the 2008 international financial crisis, BRIC gained prominent momentum and the world saw them as a serious actor to be watched. Today, BRICS (South Africa became a member of the bloc in 2010 are being closely watched because there is no certainty as to their future.The Shanghai-based New Development Bank was launched in this context and in answer to the institutional crisis that the world observed with concern when US-guided international economic institutions could not lead the way out of the 2008 crisis and into recovery.While each country around the globe lives its own domestic reality, the Trump phenomenon in the United States has erupted on the international stage and is proving to lead the still largest economy in the world onto the opposite path of the one set by the United Nations in its 2030 Agenda for Sustainable Development.These events as well as the roles played by the UN and the G20 are the subject of this article. They are analyzed in order to provide a framework from which to answer the following questions: Is the Shanghai-based New Development Bank a fledgling alternative to the World Bank, and are the BRICS a possible alternative to a more cooperative future? 

  16. Hazards of Nature, Risks to Development : An IEG Evaluation of World Bank Assistance for Natural Disasters

    OpenAIRE

    Independent Evaluation Group

    2006-01-01

    The World Bank's Independent Evaluation Group examined the World Bank's experience in disaster prevention and response over the past 20 years and found that the scale of Bank operations has grown over the period. The report found that the Bank has demonstrated considerable flexibility in its approach, but actions have tended to be more reactive than proactive, with disaster response taking...

  17. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    ......... Little Valley.. New York. Five Star Bank Warsaw......... New York. Canandaigua National Bank and... Rock.... Arkansas. Priority Bank Ozark Arkansas. The Bank of Star City........ Star City...... Arkansas.... Okarche. Legacy Bank Hinton......... Oklahoma. The Bankers Bank Oklahoma City.. Oklahoma. First Bank...

  18. 75 FR 16463 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-04-01

    .... Community State Bank Paton Iowa. The First National Bank of Primghar...... Primghar Iowa. Bank Iowa Red Oak.... Association. First State Bank of Red Wing (The)....... Red Wing Minnesota. HomeTown Bank Redwood Falls.... First State Bank of De Queen De Queen Arkansas. Bank of Fayetteville (The) Fayetteville Arkansas...

  19. 77 FR 35965 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-06-15

    ... National Bank of Baldwin County.... Foley Alabama. First State Bank of Dekalb County........ Fort Payne... Cecilia Kentucky. First Federal Savings Bank of Elizabethtown Kentucky. Elizabethtown. Victory Community...

  20. STUDY OF CORRELATION BETWEEN AVERAGE INTEREST RATE AND NON-PERFORMING LOANS IN THE ROMANIAN BANKING SYSTEM DURING 2006- FEBRUARY 2010

    Directory of Open Access Journals (Sweden)

    Iuga Iulia

    2010-12-01

    Full Text Available This paper aims to examine the correlation between average interest rate and non-performing loans in the Romanian banking system during 2006-February 2010. We based our approach on the Pearson correlation coefficient and we realized an empirical study, which demonstrates how these relevant banking elements are connected. Also, the result of this research suggests that there are other indirect channels which affect the non-performing loans.

  1. Pay and grade differentials at the World Bank

    OpenAIRE

    Filmer, Deon; Grosh, Margaret; King, Elizabeth; Walle, Dominique van de

    1998-01-01

    Large international organizations such as the World Bank pursue many objectives in hiring policies, including reduced costs, cultural diversity, and the avoidance of discrimination. There can be sharp tradeoffs between these objectives. Diversity is enhanced by recruiting from an international labor market, for example, but international organizations face unusually large differences in reservation wages for staff capable of doing the same work. One way to reduce costs would be to pay employe...

  2. 76 FR 12109 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-03-04

    ... Finance Bank Miami Florida. Bank of Belle Glade Belle Glade Florida. Bay Bank and Trust Panama City.... North Shore Bank, FSB Brookfield Wisconsin. Paper City Savings Association Wisconsin Rapids Wisconsin...

  3. Does the conventional benchmark prop up non-performing loans in Islamic banks? A case study of Malaysia with ARDL Approach

    OpenAIRE

    Shamsudheen, Shinaj Valangattil; Masih, Mansur

    2015-01-01

    Non-performing loan rate is one of the most significant issues for the banks to survive. The key motivation of this study is the profound statement that “Islamic banks are free from interest rates” and it is indeed to check the validity of this statement in the area of Non-performing loan rate. The principal objective of this study is to examine the short and long run impact of interest rate (KLIBOR) on Islamic bank’s Nonperforming loan rate. The methodology applied is ‘Auto – Regressive Dist...

  4. 78 FR 8131 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2013-02-05

    ... Florida. Florida Traditions Bank Dade City Florida. Gateway Bank of Florida Daytona Beach Florida. Gulf... Dickson Tennessee. Traditions First Bank Erin Tennessee. Cornerstone Community Bank Hixson Tennessee.... ] Family First Credit Union Saginaw Michigan. Old Mission Bank Sault Sainte Marie Michigan. Community State...

  5. The role of building societies on the market of hypothec loaning: world experience and Russia

    Directory of Open Access Journals (Sweden)

    Ellada Georgiyevna Pilavova

    2011-03-01

    Full Text Available Based on the study of international experience in modeling residential mortgage, the need to develop savings and loan institutions is justified - banks of building savings - as an institution to meet mass demand of the general population of Russia on the improvement of living conditions. In particular, the history of mortgage lending in Asia and Europe is described in details. Particular attention is paid to the models of the Eastern Europe (Czech Republic, Slovakia, Hungary and Poland and Germany. The percentage volume of housing loans to GDP in transition and developed countries is compared. The reasons for the backlog of Poland and the Czech Republic from more developed countries are investigated. It is concluded that exactly the building society was the starting point for the rapid evolution of housing finance in different countries. The advantageous features of this institution as reducing credit risk through specialization, providing a source of long-term money and effective tool for the selection of reliable borrowers to the banking sector, as well as beneficial effects on the economic culture of borrowers are indicated.

  6. 12 CFR 32.6 - Nonconforming loans.

    Science.gov (United States)

    2010-01-01

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

  7. Reforming the World Bank: From Social-Liberalism to Neo-Liberalism

    Science.gov (United States)

    Girdwood, John

    2007-01-01

    Using an analytics of government perspective, it is argued that neo-liberalism as an art of government, especially its form as North American advanced liberal political reason, has shaped enterprise governance and managerial reform at the World Bank. With a focus on the World Bank as a financial banking enterprise, the article explores questions…

  8. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

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

  9. [Relevance of the World Report on Disability by WHO and World Bank for participation research].

    Science.gov (United States)

    Meyer, T; Gutenbrunner, C

    2012-12-01

    The World Report on Disability has been presented to the public in 2011 jointly by WHO and World Bank. This paper aims to highlight the importance of the World Report for participation and rehabilitation research. In a first step we provide an overview of the World Report. It includes an introduction of the understanding of disability and its epidemiology, an analysis of different care sectors and further important life domains as well as recommendations for the improvement of the living situation of persons with disability. Then, the importance of context factors for participation is earmarked. We summarize pivotal messages of the World Report, including the estimation of 15% of the world population that experiences some kind of disability. We report on the consequences drawn for the participation and rehabilitation research. Our recommendations complete the present paper. © Georg Thieme Verlag KG Stuttgart · New York.

  10. 77 FR 58542 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2012-09-21

    ... Credit Union Brook Park Ohio. Cinco Family Financial Center Credit Union.... Cincinnati Ohio. Foundation... Bank Edina Minnesota. Tradition Capital Bank Edina Minnesota. American State Bank of Erskine Erskine... Springfield Missouri. OakStar Bank, National Association Springfield Missouri. Health Care Family Credit Union...

  11. Knowledge Banking in Global Education Policy: A Bibliometric Analysis of World Bank Publications on Public-Private Partnerships

    Science.gov (United States)

    Menashy, Francine; Read, Robyn

    2016-01-01

    As a leading mobilizer of international development and educational knowledge, the World Bank has been critiqued in two key areas: (1) the dominance of economic thinking in its policies, and (2) its Northern-generated knowledge which informs its work in the Global South. In this paper, we investigate the disciplinary foundation of Bank knowledge,…

  12. The Determinants of Bank Internationalisation in Times of Financial Globalisation: Evidence from the World's Largest Banks (1980-2007)

    NARCIS (Netherlands)

    Westerhuis, Gerarda; Mulder, Arjen

    2015-01-01

    This article analyses the determinants of bank internationalisation, of the world's largest banks from the period 1980–2007. The purpose of the article is twofold. First, we show how a mixed-methods research design, in which we combine a variables-based research with three case studies, can

  13. The World Bank, Support for Universities, and Asymmetrical Power Relations in International Development

    Science.gov (United States)

    Collins, Christopher S.; Rhoads, Robert A.

    2010-01-01

    This article examines the role of the World Bank in advancing higher education sectors in the developing world, considering in particular the increasing power and strength of a global knowledge-based economy. Given the powerful role that intergovernmental organizations such as the World Bank play in shaping global economic policies, the authors…

  14. World Bank: Management Controls Stronger, But Challenges in Fighting Corruption Remain

    National Research Council Canada - National Science Library

    2000-01-01

    Concerns about corruption have intensified in recent years as there is a growing realization among international financial donors, including the World Bank, that corruption may undermine development...

  15. The Threads They Follow: Bank Street Teachers in a Changing World. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Lit, Ira; Darling-Hammond, Linda

    2015-01-01

    This summary report is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." This report focuses on graduates of Bank Street College Graduate School of Education teacher certification programs by examining the quality of their preparation, their teaching…

  16. Implementation of South African national credit act and its impact on home loans market: The case of First National Bank

    Directory of Open Access Journals (Sweden)

    Bathmanathan Vasie Naicker

    2013-06-01

    Full Text Available Since it has been observed that credit granting is a serious problem across the entire credit market, South Africa introduced National Credit Act 34 of 2005 in order to regulate the credit industry and protect credit consumers from becoming over-indebted. The study highlights and examines the implementation of the Act in relation to the South African home loans market, focussing on First National Bank home loans portfolio. The study documents that the current state of consumer indebtedness shows that both credit institutions and consumers were responsible for over extending retail credit. The study noticed that credit industry has significantly managed to regulate the retail credit through the implementation of the Act. Furthermore, the study finds that a new stakeholder such as a debt counsellor has been introduced into the retail credit value chain for debt counselling for over-indebted clients. However, the study recommends that internal forums within banks as well as industry-wide forums should be used in order to ensure that the implementation of a regulation that impacts the entire credit industry is implemented with all stakeholders to limit any possible misinterpretation of key sections of a new regulation.

  17. Post-crisis asymmetries of the world market development of banking services

    Directory of Open Access Journals (Sweden)

    Vladyslav Тіpanov

    2011-09-01

    Full Text Available In the article there were analyzed theoretical backgrounds for defining the concept «banking service» by scientists from different countries: considered its main characteristics and classification, determined the key peculiarities of the world market functioning of banking services and its structure, found out the present-day developments of the world market of banking services under conditions of post-crisis period.

  18. Vocational Education and Training: A Major Shift in World Bank Policy.

    Science.gov (United States)

    Foster, Phillip

    1992-01-01

    Comments on the World Bank's policy paper on vocational and technical education and training. Argues that past failures in establishing effective vocational and technical education were a result of not applying conventional neoclassical economic theory. Asserts that the World Bank's policy paper corrects this approach. (CFR)

  19. Poverty Reduction and the World Bank. Progress in Fiscal 1996 and 1997.

    Science.gov (United States)

    World Bank, Washington, DC.

    This report reviews progress in implementation of the World Bank's poverty reduction strategy during fiscal 1996-97. Chapter 1, "The World Bank's Poverty Reduction Strategy and Future Directions," outlines elements in the poverty reduction strategy: policies to promote broad-based labor-demanding growth and increase the productivity and…

  20. 78 FR 23162 - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding...

    Science.gov (United States)

    2013-04-18

    ... Sheet of the bank holding company's Consolidated Financial Statements for Bank Holding Companies (FR Y... consolidated assets in its public reports or uses a financial reporting methodology other than U.S. GAAP, the..., total assessable assets would be the average of the nonbank financial company's total consolidated...

  1. Faith-based Organisations, Development and the World Bank (abstract

    Directory of Open Access Journals (Sweden)

    Jeffrey Haynes

    2013-02-01

    Full Text Available Faith-based organisations (FBOs have increasingly become important actors in international development cooperation. Many international institutions recognise them as valuable partners and declare to have ‘mainstreamed faith’ within their own activities. But is this really the case? And how has this happened? Focusing on the activities of the World Bank in the 1995–2005 period, when, under the leadership of President James Wolfensohn and Katherine Marshall, then Head of the Bank’s Development Dialogue on Values and Ethics (DDVE, the institution engaged with some selected FBOs, this chapter enquires into the reasons for the Bank’s interest in faith as well as its sudden disappearance. It argues that the main rationale for engagement with faith lay in the disappointing results of previous secular strategies and the feeling that religion had a positive role to play in fighting poverty. However, diverging perceptions of poverty and development between states and religious entities, along with lingering suspicions among state officials about dealing with faith in the public realm, derailed the collaboration.

  2. The U.S. Export Import Bank: Criteria in the Direct Loan Program,

    Science.gov (United States)

    1982-11-01

    major banks, many of them U.S. banks, and the development of truly international capital markets in Euro - currencies, have greatly increased the liquidity... model on which postwar industry was developed in Europe and in a different but comparable sense in Japan, entailed much more government involve- ment... changeover slow. Chairman Draper did not assume his office until July of 1981. A moratorium on issuance of new preliminary commitments was in effect until

  3. The Evolution of the Non-performing Loans within the Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Lavinia Maria Nețoiu

    2013-11-01

    Full Text Available The context of macroeconomic uncertainty existing on international markets leads to the amplification of a broad spectrum of risks in the current activity of a bank. This article delineates the recent modifications in the domain of credit risk management in banking and highlights the issues of relevant studies, models for credit risk assessment and regulatory framework, on the background "mutations" caused by the international financial crisis.

  4. Case – study Concerning the Effects of the Macroeconomic Variables on the Loan Portfolios Quality of the Romanian Banking Sector Using the VAR Model and Least Squares Method

    Directory of Open Access Journals (Sweden)

    Alina Georgiana Manta

    2013-11-01

    Full Text Available The purpose of this article is to analyze the effects of Romania's macroeconomic variables of the loan portfolio quality of the banking sector. Specifically, the study seeks to emphasize the interdependent macroeconomic elements that influence the evolution of credit portfolio quality for commercial banks. To achieve these correlations we use both the VAR model and the method of least squares. Monetary and structural influences are highlighted by using cumulative impulse – answer functions. The results show that monetary factors have contributed greatly to the intensity of financial crises. Beyond these results, it can be concluded that the interest rate and real exchange rate play an important role in sizing the loan portfolio quality at the banking system level.

  5. 12 CFR 701.22 - Loan participation.

    Science.gov (United States)

    2010-01-01

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

  6. Innovation Funds for Higher Education: A Users' Guide for World Bank Funded Projects. Education Working Paper Series. Number 1

    Science.gov (United States)

    Saint, William

    2005-01-01

    The Education Working Paper Series is produced by the Education Unit at the World Bank (HDNED). It provides an avenue for World Bank staff to publish and disseminate preliminary education findings to encourage discussion and exchange ideas within the World Bank and among the broader development community. This Guide seeks to help those who design…

  7. Soft information and loan supply crisis. Evidence from the credit files of a large bank

    OpenAIRE

    Francesca Bartoli; Giovanni Ferri; Pierluigi Murro; Zeno Rotondi

    2011-01-01

    Using a large database built from the credit files of UniCredit we focus on loans to small businesses at the peak of the crisis. We study the determinants of the worsening of financial tension up to March 2009 for those customers experiencing (or close to) financial tension already at the end of December 2008. We find that, controlling for internal ratings, financial tension less likely worsened for the customers enjoying a longer-term relationship. This evidence suggests that during the cris...

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

    OpenAIRE

    William R. Keeton

    1999-01-01

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

  9. Uncommon Knowledge: World Bank Policy and the Unmaking of the Knowledge Economy in Africa

    Science.gov (United States)

    Obamba, Milton O.

    2013-01-01

    The World Bank is clearly one of the most influential global intergovernmental operators for international development assistance. In recent decades, the Bank and other agencies have invested immense technical and financial resources in a troubled and unprecedented mission of revitalizing and restructuring the development of education in Africa. A…

  10. Educational Neocolonialism and the World Bank: A Rancièrean Reading

    Science.gov (United States)

    Anwaruddin, Sardar M.

    2014-01-01

    In this article, I employ Jacques Rancière's conception of an explicative order to explore how the World Bank contributes to the global project of educational neocolonialism. I argue that the Bank operates as a Master Explicator who taps into students' "inability" to learn by themselves. It explicates concepts such as…

  11. The World Bank's Shift Away from Neoliberal Ideology: Real or Rhetoric?

    Science.gov (United States)

    Adhikary, Rino Wiseman

    2012-01-01

    Some literature on World Bank education policies after 1999 tries to project a shift away of the Bank from its 1980s neoliberal mandate. This article argues that the shift is only in the form of rhetoric, which facilitates a hidden agenda of creating a worldwide higher education market, leaving the poor with primary education only. At the…

  12. 75 FR 17037 - Federal Home Loan Bank Directors' Eligibility, Elections, Compensation and Expenses

    Science.gov (United States)

    2010-04-05

    .... That proposal prompted comments questioning whether it effectively would require the Banks to include... participation is necessary and which may be compensated, and shall explain and justify the methodology used to..., methodology and/or other related materials, that the compensation and/or expenses to be paid to the directors...

  13. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ... a Bank's members to finance homeownership by households with incomes at or below 80 percent of the area median income (AMI) (low- or moderate-income households), and to finance the purchase... / Friday, May 28, 2010 / Rules and Regulations#0;#0; ] FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1291 RIN...

  14. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    2014-01-01

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...

  15. Foreign Banks in the United States Since World War II: A Useful Fringe

    OpenAIRE

    Adrian E. Tschoegl

    2000-01-01

    Foreign banks have had an organizational presence in the United States since the early 1800s. Until after World War II, the foreign banks' presence was generally limited. They engaged in trade finance, and in some cases ethnic banking. The growth really dates to the period from the mid-1960s to 1990. Banks are service firms, and their growth reflects a demand for their services. This growth in demand is itself the consequence of the growth of four other activities: trade, the Eurodollar marke...

  16. World bank and the environment: A progress report, fiscal year 1993. Annual report; Banque mondiale et l`environnement

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1994-03-01

    This fourth annual report examines how well the World Bank`s environmental policies have worked during fiscal year 1993. It presents an agenda of actions that will help countries manage their environment better and link environmental protection with sustainable development. It describes ways to improve environmental impact studies of Bank-financed projects. The report notes the World Bank`s improved public communications network and increased cofinancing for environmental projects. The Bank`s work in implementing Global Environment Facility (GEF) policies and the Montreal Protocol is also reviewed.

  17. Challenges of the banking regulation systems in the climate of the world economic crisis

    Directory of Open Access Journals (Sweden)

    Sedlarević Lazar

    2014-01-01

    Full Text Available At the end of the 20th century, banking systems of the developed countries have undergone multiple changes, where the basic dimensions of those changes were integration, deregulation and globalisation of activities. The resultant of these factors' actions was the creation of highly risky banking environment, which acted as a catalyst of the world economic crisis effects. These effects brought to the forefront weaknesses of the banking sector and of the banking regulation system, while emphasizing the need for their redefining. Hence this work examines in detail concrete models of the banking regulation systems in the European Union area and in the United States of America. In addition, directions of redefining regulation system were highlighted, and also the relevant differences between banking business regulation in the European Union and in the United States of America.

  18. An evaluation of the feedback loops in the poverty focus of world bank operations.

    Science.gov (United States)

    Fardoust, Shahrokh; Kanbur, Ravi; Luo, Xubei; Sundberg, Mark

    2017-09-01

    The World Bank Group in 2013 made the elimination of extreme poverty by 2030 a central institutional focus and purpose. This paper, based on an evaluation conducted by the Independent Evaluation Group of the World Bank Group, examines how, and how well, the Bank uses feedback loops to enhance the poverty focus of its operations. Feedback loops are important for every element of the results chain running from data, to diagnostics, to strategy formulation and finally to strategy implementation. The evaluation uses a range of instruments, including surveys of stakeholders and World Bank staff, focus group meetings, country case studies and systematic reviews of Bank lending and non-lending operations. We find that while the Bank generates useful information on poverty reduction from its projects and programs, the feedback loops - from outcomes to data analysis to diagnostics to strategy formulation and implementation - have generally been weak, with sizable variation across countries. Copyright © 2017 The World Bank. Published by Elsevier Ltd.. All rights reserved.

  19. World Bank Research Digest, Vol. 4(1)

    OpenAIRE

    World Bank

    2009-01-01

    In this issue: changing the climate for development; focus: foreign direct investment (FDI) protectionism on the rise; do poorer countries have less capacity for redistribution? Does trade credit substitute for bank credit during a financial crisis? Demographic and socioeconomic patterns of HIV/AIDS prevalence in Africa; making (more) sense of subjective rankings; and legacy of the caste s...

  20. PENSION REFORMS AND WORLD BANK-REGULATED LAWS OF ...

    African Journals Online (AJOL)

    Ankpa: Association of Women in Colleges of Education and Cuca. Communications. Ahmad, M.K. (2006) The contributory pension scheme: institutional and legal frameworks. Billion. (Central Bank of Nigeria Publication). Vol. 30, No2. Bonturi, Marcos (2002) “The Brazilian pension system: reforms and challenges ahead”.

  1. Pengaruh Capital Adequacy Ratio, Non Performing Loan, Operational Efficiency Ratio, Financing To Deposit Ratio Terhadap Return On Asset Bank Mega Syariah Indonesia

    OpenAIRE

    Nainggolan, Benget M.

    2011-01-01

    Tujuan dari penulisan skripsi ini adalah untuk menganalisis Pengaruh Capital Adequacy Ratio, Non Performing Loan, Operational Efficiency Ratio, Financing to Deposit Ratio terhadap Return On Asset Bank Mega Syariah Indonesia Jenis data yang akan diolah dan diteliti adalah data sekunder berupa laporan keuangan seperti neraca dan laporan laba-rugi serta bahan publikasi lain yang relevan dengan permasalahan yang diteliti. Tahun buku akuntansi yang dipilih adalah tahun buku 2007 sampai dengan t...

  2. Empowering Communities for Improved Educational Outcomes: Some Evaluation Findings from the World Bank

    Science.gov (United States)

    Nielsen, H. Dean

    2007-01-01

    Community involvement in the management of schools--community empowerment--is a growing phenomenon in the developing world. Many see it as a way to increase the relevance of schools, school attendance, and ultimately to improve learning outcomes. Increasingly, World Bank lending for basic education includes growing support for community…

  3. Gangs, Soldiers and "Idle Girls": Constructions of Youth and Development in World Bank Discourse

    Science.gov (United States)

    Luttrell-Rowland, Mikaela

    2007-01-01

    This article examines the World Bank's recent World Development Report on youth and development (2007) as an empirical example to explore the links between the employment of "group identity" and the use of policy frameworks. Drawing on feminist theory to analyse the representations of young people put forward within the report, this article…

  4. Loans for Learning. Briefing Note

    Science.gov (United States)

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

    2011-01-01

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

  5. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

  6. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas Sander

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a tool to restore financial stability and reduce asymmetric information. As opposed to most governmental bailout packages implemented across the world recently, the APS can be a fair valued...

  7. A Parallel World for the World Bank: A Case Study of Urgent: Evoke, An Educational Alternate Reality Game

    Directory of Open Access Journals (Sweden)

    David I. Waddington

    2013-01-01

    Full Text Available In 2010, the World Bank launched Urgent: Evoke, an alternate reality game. Conceived in response to the demands of African universities, the game was designed to promote the World Bank Institute’s vision of positive global change through social innovation, and made substantial use of Web 2.0 tools such as blogs, personal profiles, and social networks. This article offers a case study of Urgent: Evoke, divided into four sections: first, the potential to use video games as citizenship education tools is discussed; second, the unique game genre (alternate reality games into which Evoke falls is explained and some possible uses of this genre in higher education are examined; third, the functioning of the Evoke game world is explained; and fourth, the results of the Evoke educational project are assessed. The case study concludes with some commentary on Evoke’s ideological message, which those less sympathetic to capitalism may view as problematic.

  8. Os projetos financiados pelo banco mundial para o ensino fundamental no Brasil World bank financed projects for Brazilian basic education

    Directory of Open Access Journals (Sweden)

    Ireni Marilene Zago Figueiredo

    2009-12-01

    Full Text Available No contexto da crise da dívida externa, a educação é concebida como parte do conjunto das reformas econômicas. Desse modo, os projetos financiados para o ensino fundamental, pelo Banco Mundial, fazem parte do conjunto dos empréstimos de ajustes estruturais e setoriais. Esses empréstimos possuem características comuns entre elas a de dar suporte às reformas institucionais e econômicas e racionalizar os programas de investimento do setor público. Na década de 1990, os projetos financiados para o ensino fundamental apoiaram e orientaram as políticas para enfrentar o fracasso escolar (evasão e repetência, as quais contemplaram o processo de avaliação e de concorrência e os critérios de qualidade, de racionalidade econômica e de produtividade.On the context of the external debt crisis, education has been conceived of as an integrant part of the set of economic reforms. The World Bank financed projects for Basic Education are thus included in the loans for structural and sectorial adjustments. Such loans share characteristics and are aimed to support the institutional and economic reforms and rationalize public sector investment programs. In the 1990s, the financed projects for Basic Education, which supported and guided the politics to face school failure (dropout and repetition, considered the evaluation and competition process and the criteria of quality, economic rationality and productivity.

  9. The World Bank and the Building of Local Institutionality in Senegal: A Path toward Municipal Adjustment

    Directory of Open Access Journals (Sweden)

    Mebometa Ndongo

    2013-01-01

    Full Text Available This paper examines the impacts of municipal adjustment strategies on territorial governance in Africa, with specific reference to Senegal, as the result of the action of the World Bank. The paper identifies the process through which the World Bank is reconfiguring the system of actors and changing the local institutional environment to embody its philosophy of governance modernization. The paper shows how the local actor is brought to contribute to the new focus on governance and the reshaping of local institutions, which together comprise a type of urban development that aligns with the tenets of globalization.

  10. Producing The Poor: The World Bank's new discourse of domination

    African Journals Online (AJOL)

    Secretary of State for International Development in UK. and James D. Wolfensohn, President of the World ... anti-neo-liberal and anti-ANC movements of the poor to South African society and in the weaving of these ... deals with local white elites and international capital' (2002:10) with cata- strophic consequences for poor ...

  11. A discussion paper for emerging markets: The role of IMF and the World Bank

    Directory of Open Access Journals (Sweden)

    Edmundo R. Lizarzaburu

    2012-09-01

    Full Text Available While both the World Bank and International Monetary Fund, are two separate entities, often not clear the role of each of them is therefore that this paper seeks to consolidate diverse information reviewed from both entities with the purpose of being able to understand the functioning and scope of each of these important institutions that have had successes and setbacks and ultimately have an active role in global finance and economy, despite the many detractors who are at levels world. There is an anecdote which is worth mentioning. “John Maynard Keynes, recognized at the inaugural meeting of the International Monetary Fund was confused by the names he thought the Fund should be called a bank, and the World Bank should be called a bottom. Confusion has reigned ever since. The Bank and the IMF are two intergovernmental pillars supporting the structure of economic and financial world”. The fundamental difference between the two is understood as: the Bank institution primarily for the development, while the IMF is a cooperative institution that seeks to maintain an orderly system of payments and receipts between nations. The manner followed to choose the head of each organization has a different procedure, but the important thing is that in the next few years, several countries such as Brazil, India have more active participation and Latin America as a group may perhaps lead some of them.

  12. Holding the World Bank accountable for leakage of funds from Africa's health sector.

    Science.gov (United States)

    Marouf, Fatma E

    2010-06-15

    This article explores the accountability of international financial institutions (IFIs), such as the World Bank, for human rights violations related to the massive leakage of funds from sub-Saharan Africa's health sector. The article begins by summarizing the quantitative results of Public Expenditure Tracking Surveys performed in six African countries, all showing disturbingly high levels of leakage in the health sector. It then addresses the inadequacy of good governance and anticorruption programs in remedying this problem. After explaining how the World Bank's Inspection Panel may serve as an accountability mechanism for addressing the leakage of funds, discussing violations of specific Bank policies and procedures that would support a claim related to leakage and examining the relevance of human rights concerns to such as claim, the article explores some of the Panel's limitations and the positive steps taken to address these concerns.

  13. Knowledge Aid as Instrument of Regulation: World Bank's Non-Lending Higher Education Support for Ethiopia

    Science.gov (United States)

    Molla, Tebeje

    2014-01-01

    In the context of low-income countries, the role of donors in public policymaking is of great importance. Donors use a combination of lending and non-lending instruments as pathways of influence to shape policy directions in aid-recipient countries. This paper reports some findings from a doctoral study on the role of the World Bank in the recent…

  14. What the World Bank's shift from public to private funding means for ...

    African Journals Online (AJOL)

    Something new is afoot at the World Bank. But there's no reason for developing countries to be hopeful that development funding is about to get a much needed fillip after decades of dismal performance and inappropriate policy prescriptions. It's just that Santa Claus will only give gifts to the investor kids from now on.

  15. The Crisis of Funding Education in Sub-Saharan Africa: African Perspectives versus World Bank Prescriptions.

    Science.gov (United States)

    Senanu, K. E.

    1996-01-01

    Reforms of African educational systems with World Bank assistance are likely to fail unless they are based on a fundamentally African vision of society. This vision involves creating a habitat for human resource development, the use of intermediate technology, and space for the informal sector. (SK)

  16. Pension reforms and world bank-regulated laws of the jungle: the ...

    African Journals Online (AJOL)

    Peripheral societies (or better still, non-industrialized, raw materialsexporting states) are originally (and still remain) designed as raw resources supply zone not only in World Bank lexicon but also in global planning and programming of industrialized societies in general. Worker welfare of those both retired and in service ...

  17. Issues in the Development of Multigrade Schools. World Bank Technical Paper Number 172.

    Science.gov (United States)

    Thomas, Christopher; Shaw, Christopher

    Multigrade schools, which combine students of different ages and abilities in one classroom under one teacher's direction, are supported by numerous World Bank projects. This paper aims to increase staff awareness of the complexity of such components and their economic and pedagogical benefits. Pedagogical techniques and outcomes form the core of…

  18. Education in Asia: A Comparative Study of Cost and Financing. World Bank Regional and Sectoral Studies.

    Science.gov (United States)

    Tan, Jee-Peng; Mingat, Alain

    Data analyzed in this study are drawn from varied sources including documents provided by governments in the context of the World Bank's operational activity. The data on a basic set of indicators were assembled for a core of 11 Asian countries (Bangladesh, China, India, Indonesia, Korea, Malaysia, Nepal, Papua New Guinea, the Philippines, Sri…

  19. Efficiency in Reaching the Millennium Development Goals. World Bank Working Paper.

    Science.gov (United States)

    Jayasuriya, Ruwan, Ed.; Wodon, Quentin, Ed.

    The Millennium Development Goals (MDGs) provide clear targets and areas of focus for international organizations such as the World Bank. At a conceptual level, to reduce poverty and hunger, to improve education and health indicators, and to promote gender equality and sustainable development, countries can either increase the resources they…

  20. Girls' Education World Bank Support through the International Development Association (IDA).

    Science.gov (United States)

    Winter, Carolyn; Macina, Rebecca

    This report presents World Bank statistical data on International Development Association (IDA) support of girls' education. The report cites the reasons for focusing on girls' education and traces IDA funding for various education projects. It discusses the situation for girls' education in many developing countries and lists objectives for the…

  1. The Preparation, Professional Pathways, and Effectiveness of Bank Street Graduates. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Horng, Eileen; Zheng, Xinhua; Lit, Ira; Darling-Hammond, Linda

    2015-01-01

    This technical report is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." This report documents the influence of Bank Street teacher preparation programs based upon surveys of graduates, surveys of comparison teachers, surveys of employers, and an analysis…

  2. Financial management information systems 25 years of World Bank experience on what works and what doesn't

    CERN Document Server

    Dener, Cem; Dorotinsky, William Leslie

    2011-01-01

    Since 1984, the World Bank has financed 87 Financial Management Information System (FMIS) projects in 51 countries totaling over US 2.2 billion, of which US 938 million was for FMIS related information and communication technology (ICT) solutions. This study presents the World Bank?s experience with these investment operations to share the achievements and challenges observed, and provide guidance for improving the performance of future projects. The report is structured according to four overarching questions:?What historical patterns emerge from World Bank financed Treasury/FMIS projects?Thi

  3. From the Bank Panic of 1907 to the Great Depression of 1929 and the Savings and Loan Crisis of the 1980s: Lessons for the future

    OpenAIRE

    Trompatzi, Georgia; Metaxas, Theodore

    2013-01-01

    This paper goes over three big crises with a global resonance which took place in the American economy during the 20th century. Namely, the Bank Panic of 1907, the Great Depression of 1929 and the Savings and Loan Crisis of the 1980s are examined. The paper lists the major events during the crises in question and probes the causes, consequences and ways through which each crisis was attempted to be encountered. Through this examination, useful lessons to be learned and fatal mistakes to be av...

  4. The World Bank Inspection Panel and Quasi-Judicial Oversight: In Search of the 'Judicial Spirit' in Public International Law

    NARCIS (Netherlands)

    A. Naudé Fourie (Andria)

    2009-01-01

    textabstractThis PhD dissertation conceptualizes the World Bank Inspection Panel as a mechanism of quasi-judicial review or oversight, aimed at enhancing the accountability and legitimacy of the World Bank – which is conceived as an international institution exercising public power. The author

  5. The IMF-World Bank's economic stabilisation and structural adjustment policies and the Uganda economy, 1981-1989

    NARCIS (Netherlands)

    Nabudere, D.W.

    1990-01-01

    This research report traces all the main developments in IMF-World Bank policies in Uganda. Most of the material concerns the three IMF standby arrangements with Uganda for 1981-1984 and the World Bank Group's Structural Adjustment Programmes. These programmes introduced two contradictory policies

  6. Creating religiously compliant milk banks in the Muslim world: a commentary.

    Science.gov (United States)

    Alnakshabandi, Kholoud; Fiester, Autumn

    2016-02-01

    Human milk banks are vital for providing donor milk to infants for whom there are maternal or postnatal barriers to the mother's own milk. Although more than 35 countries have active milk banks, not one of those is a Muslim country.(1) Despite widespread support for breastfeeding across the Muslim world, religious constraints surrounding milk-sharing have created challenging barriers to the creation of milk banks. The religious objection centres around the Islamic tenet that consuming human milk builds a kinship bond between individuals who have consumed the same woman's milk which prohibits future marriage between the 'milk-brothers and sisters.' While a small-scale, experimental 'milk exchange' programme has been attempted in two Muslim countries (Kuwait and Malaysia), the only proposed milk bank in the Muslim world was a pilot programme in Turkey that was halted because of religious concerns. The problem with milk banking is the step in the process during which the milk from individual donors is pooled and de-identified, making it impossible to trace its origins and acknowledge the newly formed kinship relationship. To meet the need for Muslim children to be able to access human milk while remaining compliant with the prevalent understanding of Islamic doctrine on milk-sharing, we propose a new approach to milk banking that we term the Conditional Identified Milk Banking System (CIMBS). In this new system, both the donor's and recipient's identities are accessible to all parties through a voluntary registry, and the milk-pooling is limited to three milk donors. Based on recent survey data, we believe that there would be receptivity among practicing Muslims and religious leaders to this alternative approach.

  7. Credit Risk in the Banking Sector in Kosovo

    Directory of Open Access Journals (Sweden)

    Muhamet Aliu

    2017-05-01

    Full Text Available Loans make up the bulk of a bank’s assets, and thus credit risk is the most significant risk for commercial banks in Kosovo and throughout the world. Despite its complexity, effective management of credit risk is a prerequisite for the success of a bank and the banking system in general. A special role in this aspect is played by the separation of reserves to cover the risk of failure to repay the loan or in cases of nonfulfilment of contractual obligations by the loan recipient. Therefore, this research aims to address this issue and analyses the credit risk management of the banking system of the Republic of Kosovo in general and the effects of separation of reserves for loan losses in particular.

  8. Book review: Unholy trinity: The IMF, World Bank and WTO Richard Peet

    Directory of Open Access Journals (Sweden)

    M Breitenbach

    2014-05-01

    Full Text Available In this timely book Richard Peet and his team lay the foundation with an excellent analysis of the process of globalisation and the resultant emergence of the global economy. The authors are especially critical of the increasing influence of institutions like the International Monetary Fund (IMF, World Bank and World Trade Organisation (WTO on the economy and the consequences experienced by peoples, cultures and the environment. The single ideology of neo-liberalism is blamed for the undesirable outcomes. This book considers concepts of power, political interest, hegemony, discourse, responsibility and the power of practicality, in critically examining the IMF, World Bank and WTO. The conclusion is reached that “all three institutions play roles greatly different from those originally agreed to under the charters that set them up”.

  9. VARIABEL-VARIABEL YANG MEMPENGARUHI NON PERFORMING LOANS PADA BANK BUMD, BUMN DAN BUSN DI KOTA JAYAPURA

    Directory of Open Access Journals (Sweden)

    John Agustinus

    2017-03-01

    Full Text Available The result of the testing of hypothesis one saying that there is influence simultaneouslyvariables of collateral value, Credit Amount, Location, and Account Officers against Variableof Non-Performing Loans, and there is closeness between independent variable and dependentvariable. The result of the second hypothesis is that between the variable of Collateral value,Credit Amount, and Location is having positive influence against Non-performing Loans andvariable of Account Officers is having negative influence against Non-Performing Loans. Theresult of the third hypothesis is that Collateral value variable is dominant variable influencingto Non-Performing Loans. Then, we can conclude that the first, the second and the thirdhypothesis on this research can be received.

  10. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

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

  11. 12 CFR 614.4232 - Loans to domestic lessors.

    Science.gov (United States)

    2010-01-01

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

  12. CHANGES INSIDE THE ROMANIAN BANKING SYSTEM IN THE FRAME OF THE FINANCIAL AND BANKING CRISIS

    Directory of Open Access Journals (Sweden)

    RADULESCU MAGDALENA

    2013-08-01

    Full Text Available After the year 1990, bashfully at first, but then more and more prominently, the countries of Central andEastern Europe have become major loan recipients from foreign banks, either cross-border, or local through opensubsidiaries in the emerging European countries. The Romanian banking system continues to be among the mostdynamic economic areas in Romania. Further on characterized by a relatively low level of financial intermediation,the Romanian banking market is considered to have potential for the possible buyers, especially in the crisis periodwhen many small banks looked for a merger with another small or medium bank for consolidation reasons. Althoughthe Romanian banking system faced crisis pretty well comparative with the rest of the world countries, if we considerits equity, its profits kept on decreasing every year and the rate of the non-performing loans increased.

  13. 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 ...

  14. Social Funds, poverty management and subjectification: beyond the World Bank approach

    OpenAIRE

    Anjan Chakrabarti; Anup Dhar

    2013-01-01

    Revisiting, from a Marxist perspective, the World Bank's discourse on Social Funds, we highlight three findings. One, Social Funds gets deployed in the context of a larger Third Worldist discourse of poverty management, which in turn helps deepen the logic of capitalist development. Two, generating a class-focused understanding of Social Funds (via the concept of social surplus), we argue that class processes and need processes constitute one another and through this conduit emerges a relatio...

  15. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria.

    Science.gov (United States)

    Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D

    2017-06-01

    In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  16. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Chukwuemeka O. Iroham

    2017-06-01

    Full Text Available In this article, two sets of questionnaires were administered to professionals and clients (commercial banks on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  17. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

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

  18. Visualizing Uncertainties, or How Albert Hirschman and the World Bank Disagreed on Project Appraisal and Development Approaches

    OpenAIRE

    Alacevich, Michele

    2012-01-01

    Since its birth in 1944, the World Bank has had a strong focus on development projects. Yet, it did not have a project evaluation unit until the early 1970s. An early attempt to conceptualize project appraisal had been made in the 1960s by Albert Hirschman, whose undertaking raised high expectations at the Bank. Hirschman's conclusions -- published first in internal Bank reports and then,...

  19. Transmission of Bank Liquidity Shocks in Loan and Deposit Markets: The Role of Interbank Borrowing and Market Monitoring

    NARCIS (Netherlands)

    Allen, F.; Hryckiewicz, A.; Kowalewski, O.; Tumer Alkan, G.

    2014-01-01

    We examine the international transmission of liquidity shocks from multinational bank holding companies to their subsidiaries during the financial crisis of 2008. Our results demonstrate that a subsidiary's reduction in lending is strongly related to its parent bank's lending via the interbank

  20. 78 FR 30784 - Removal of References to Credit Ratings in Certain Regulations Governing the Federal Home Loan Banks

    Science.gov (United States)

    2013-05-23

    ... Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act), as amended by section 1201... creditworthiness standard. B. The Bank System The twelve Banks are wholesale financial institutions organized under... 12 U.S.C. 1427. \\4\\ See 12 U.S.C. 1424; 12 CFR part 1263. As government-sponsored enterprises, the...

  1. The World Bank and Private Provision of Schooling: A Look through the Lens of Sociological Theories of Organizational Hypocrisy

    Science.gov (United States)

    Mundy, Karen; Menashy, Francine

    2014-01-01

    In this article, we explore how the World Bank operationalizes its focus on poverty alleviation in one of the most controversial arenas of educational change: the expansion of privately provided schooling. We argue that the Bank's role in promoting private provision has been far more complicated than most critics have discerned. It has…

  2. Student Loans in Developing Countries: An Evaluation of the Colombian Performance. Bank Staff Working Paper No. 182.

    Science.gov (United States)

    Jallade, Jean-Pierre

    The student loan program run by the Instituto Colombiano de Credito Educativo y Estudios Tecnicos en el Exterior (ICETEX) has three main objectives: to increase the country's supply of highly skilled manpower, to achieve more equality of educational opportunity, and to provide a meaningful source of finance for higher education. An analysis of…

  3. Cord Blood Banking in the Arab World: Current Status and Future Developments.

    Science.gov (United States)

    Matsumoto, Monica M; Dajani, Rana; Matthews, Kirstin R W

    2015-07-01

    Umbilical cord blood transplants are now used to treat numerous types of immune- and blood-related disorders and genetic diseases. Cord blood (CB) banks play an important role in these transplants by processing and storing CB units. In addition to their therapeutic potential, these banks raise ethical and regulatory questions, especially in emerging markets in the Arab world. In this article, the authors review CB banking in five countries in the region, Jordan, Saudi Arabia, Egypt, Qatar, and the United Arab Emirates, selected for their different CB banking policies and initiatives. In assessing these case studies, the authors present regional trends and issues, including religious perspectives, policies, and demographic risk factors. This research suggests strong incentives for increasing the number of CB units that are collected from and available to Arab populations. In addition, the deficit in knowledge concerning public opinion and awareness in the region should be addressed to ensure educated decision-making. Copyright © 2015 American Society for Blood and Marrow Transplantation. Published by Elsevier Inc. All rights reserved.

  4. A program to develop the domestic natural gas industry in Indonesia: Case history of two World Bank projects

    Energy Technology Data Exchange (ETDEWEB)

    Klass, D.L. (Institute of Gas Technology, Chicago, IL (United States)); Khwaja, S. (World Bank, Washington, DC (United States))

    1991-01-01

    Indonesia depends heavily on revenues from the export of LNG and oil, the availability of which appears to be decreasing. It is therefore making a strong effort to accelerate development of a domestic natural gas industry. A high priority has been given to the conversion of power plants and city gas systems, including local industries and commercial facilities, from liquid fuels to natural gas. This will release more oil for export, help to meet the objectives of Repelita V, and provide substantial environmental benefits. The World Bank recently provided loans to the Indonesian Government for two projects that are aimed at substituting natural gas for oil and manufactured gas in domestic markets. One project involves expansion of the gas distribution systems of Indonesia's natural gas utility (PGN) in three cities: Jakarta and Bogor in Java, and Medan in Sumatra. The project also includes training programs for PGN staff and an energy pricing policy study to be carried out by Indonesia's Ministry of Mines and Energy. The second project involves expansion of the supply of natural gas for Surabaya and twelve other towns in its vicinity in East Java, and further expansion of Medan's supply system. Technical assistance will be provided to enhance the skills ofPGN and the Ministry of Mines and Energy, and a Gas Technology Unit similar to the Institute of Gas Technology will be established at Indonesia's Research and Development Center for Oil and Gas (LEMIGAS) in Jakarta. 14 refs., 3 figs., 11 tabs.

  5. Takipteki Kredi Oranını Etkileyen Faktörlerin Belirlenmesi: Mevduat Bankaları Üzerinde Bir Dinamik Panel Veri Uygulaması (Assessing the Factors that Impact Non-Performing Loan Ratio: An Application On Deposit Banks By Using Dynamic Panel Data

    Directory of Open Access Journals (Sweden)

    Nida ABDİOĞLU

    2016-03-01

    Full Text Available This study aims to determine the factors that are effective on non-performing loans ratio after the 2001 local financial crisis. State-owned banks, privately-owned banks and foreign banks that operate in Turkey between the years 2002 and 2014 are examined. According to System-GMM and Difference GMM results, lagged value of non-performing loans, net interest margin, capital adequacy and solvency ratio have negative effects on non-performing loans ratio. On the other hand, interest applied to loans, loans/ deposits ratio, inefficiency and operating efficiency have positive effects on non performing loans. Although the results are consistent with moral hazard and bad managemet hypothesis, they are inconsistent with diversification hypothesis

  6. From Globalization to Liquidation: The Deutsch-Asiatische Bank and the First World War in China

    Directory of Open Access Journals (Sweden)

    Ghassan Moazzin

    2015-09-01

    Full Text Available This article uses the case of the Deutsch-Asiatische Bank and its liquidation during the First World War to examine the challenges faced by German businesses during the war in China and China’s involvement in Allied economic warfare. This case suggests the detrimental effect that political crises and global shifts of power had on foreign businesses in modern China’s globalized treaty port economy. It also reveals China’s role in the global economic warfare of the Allies, showing that China first resisted Allied demands for a full liquidation of the German bank but eventually acquiesced to Allied pressure and handed control over the liquidation to the Allies. As a consequence, China ended up violating the very international law it had put so much value on when entering the war.

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

    African Journals Online (AJOL)

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

  8. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

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

  9. Production Technology of Malaysian Commercial Banks: The Estimation of Stochastic Cost Functions Adjusted to The Non-Performing Loans

    OpenAIRE

    Okuda, Hidenobu; Hashimoto, Hidetoshi; Murakami, Michiko

    2002-01-01

    Little microeconomic analysis of the banking business in Malaysia has been conducted. The only known serious academic research in this area is by Katib et al. (2000). This paper contributes to the expansion of the results of the empirical study by Katib et al.. (2000)., in two respects. Firstly, different form Katib et al.. (2000) using Data Envelop Analysis (DEA) based on a non-parametric approach. in this paper, we have estimated the cost function of Malaysian commercial banks with respect ...

  10. The exposure of international bank loans to third-country risk: an empirical analysis of overdue claims

    OpenAIRE

    Drew Dahl; Andrew Logan

    2005-01-01

    The paper analyses the performance outcomes on foreign credits made by UK-owned banks to borrowers in 17 foreign countries between 1991 and 2000. The analysis is unique in its use of bank-specific data on overdue credits in individual countries. Results indicate that credit repayment in a given country is influenced by exports to, and economic activity in, another country linked by trading relationships. The observed cross-country interdependence is relevant to the understanding of risk manag...

  11. Economics, health and development: some ethical dilemmas facing the World Bank and the international community

    Science.gov (United States)

    Wagstaff, A.

    2001-01-01

    The World Bank is committed to "work[ing] with countries to improve the health, nutrition and population outcomes of the world's poor, and to protect[ing] the population from the impoverishing effects of illness, malnutrition and high fertility".1 Ethical issues arise in the interpretation of these objectives and in helping countries formulate strategies and policies. It is these ethical issues—which are often not acknowledged by commentators—that are the subject of this paper. It asks why there should be a focus on the poor, and explores the link between improving the health of the poor, and reducing health inequalities between the poor and better-off. It discusses difficult ethical issues at both the global level (including debt relief and the link between country ownership and donor commitment) and the country level (including user fees and whether providing assistance to the non-poor may in the long run be a way of helping the poor). Key Words: World Bank • poverty • health • population • health economics • global ethics PMID:11479358

  12. Artful Teaching and Learning: The Bank Street Developmental-Interaction Approach at Midtown West School. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Intrator, Sam; Park, Soyoung; Lit, Ira

    2015-01-01

    This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." Established in 1989, Midtown West is a New York City public elementary school serving approximately 350 students from kindergarten through grade five. With the support of Tony Alvarado,…

  13. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  14. 12 CFR 614.4355 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4355 Section 614.4355 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4355 Banks for cooperatives. No bank for cooperatives may make a loan if...

  15. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  16. Effects of Marketing Loans on U.S. Dry Peas and Lentils: Supply Response and World Trade

    OpenAIRE

    Lin, William W.; Lucier, Gary

    2008-01-01

    The 2002 Farm Act required USDA to implement marketing loans for the 2002-07 crops of dry peas, lentils, and small chickpeas. This provision led to expanded acreage for dry peas and lentils, crops analyzed in this study. The analysis found that marketing loans played a role in expansion for dry peas in 2003-05 and for lentils in 2003. For dry peas and lentils, marketing loans contributed to acreage expansion in North Dakota and Montana. Simulation model results suggest that marketing loans ha...

  17. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2017-01-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  18. The health systems funding platform and World Bank legacy: the gap between rhetoric and reality.

    Science.gov (United States)

    Brown, Scott S; Sen, Kasturi; Decoster, Kristof

    2013-03-06

    Global health partnerships created to encourage funding efficiencies need to be approached with some caution, with claims for innovation and responsiveness to development needs based on untested assumptions around the potential of some partners to adapt their application, funding and evaluation procedures within these new structures. We examine this in the case of the Health Systems Funding Platform, which despite being set up some three years earlier, has stalled at the point of implementation of its key elements of collaboration. While much of the attention has been centred on the suspension of the Global Fund's Round 11, and what this might mean for health systems strengthening and the Platform more broadly, we argue that inadequate scrutiny has been made of the World Bank's contribution to this partnership, which might have been reasonably anticipated based on an historical analysis of development perspectives. Given the tensions being created by the apparent vulnerability of the health systems strengthening agenda, and the increasing rhetoric around the need for greater harmonization in development assistance, an examination of the positioning of the World Bank in this context is vital.

  19. 77 FR 72247 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2012-12-05

    ... consideration the unique mission and ownership structure of the Banks. Section 10C(d) provides that the... taking all comments into consideration. Copies of all comments will be posted without change on the FHFA... initiate cease and desist proceedings and impose civil money penalties against an Enterprise for failure to...

  20. 12 CFR 221.114 - Bank loans to purchase stock of American Telephone and Telegraph Company under Employees' Stock...

    Science.gov (United States)

    2010-01-01

    ... FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CREDIT BY BANKS AND...&T system may purchase shares through regular deductions from his pay over a period of 24 months. At... the payroll deductions for this purpose may be in the neighborhood of 38 percent of base pay and a...

  1. 78 FR 67004 - Removal of References to Credit Ratings in Certain Regulations Governing the Federal Home Loan Banks

    Science.gov (United States)

    2013-11-08

    ... acceptance by financial markets and are generally perceived by investors as presenting a very low level of... analysis, but bank management should consider how those securities fit into the overall purpose, plans, and... level of acceptance by financial markets and are generally perceived by investors as presenting a low...

  2. Community monitoring of integrated pest management versus conventional pesticide use in a World Bank project in Indonesia.

    Science.gov (United States)

    Ishii-Eiteman, Marcia J; Ardhianie, Nila

    2002-01-01

    Pesticide Action Network North America (PANNA) collaborated with a local Indonesian nongovernmental organization (NGO), Yayasan Duta Awam (YDA), in monitoring impacts of the World Bank-financed Integrated Swamps Development Project (ISDP). This paper reports the results of the community-based investigation, which found wide disparities between the World Bank's policy on pest management and its implementation. Instead of reducing farmers' reliance on pesticides as required, the ISDP led to increased intensity and frequency of pesticide use and adverse health and environmental effects from pesticide exposures. YDA and PANNA presented the findings to the Indonesian government and World Bank officials, and farmers requested training in IPM among other recommendations. After NGOs undertook joint advocacy efforts to reduce pesticide dependence in the project, the World Bank withdrew hazardous pesticides from input packages, IPM training was initiated, and community monitors became local leaders in their villages. The study demonstrates the importance and efficacy of independent community-based monitoring in documenting pesticide problems and replacing pesticides with IPM in World Bank development projects.

  3. Remarks at Opening Press Conference, IMF/World Bank Spring Meetings, Washington, D.C., April 18, 2013

    OpenAIRE

    Kim, Jim Yong

    2013-01-01

    Jim Yong Kim, President of the World Bank Group, discusses the issues to end extreme poverty in the World, promoting shared prosperity, and taking bold action on climate change. He speaks about accelerating the high growth rate in the developing world, and to translate this into poverty reduction and job creation. It must be inclusive to curb inequality. He insists that we must avert or mitigate potential shocks such as climate disas...

  4. DEVELOPMENT OF ISLAMIC BANKING IN TURKEY

    Directory of Open Access Journals (Sweden)

    ISTVÁN EGRESI

    2015-12-01

    Full Text Available While the financial world is still dominated by conventional banks, based on western economic principles, the number of Islamic banks is on the rise. Islamic banks have originated from colonial India as a response of the Muslims to the British who attempted to westernize their society. Other similar financial operations based on Islamic Law (Shari’a were established in Pakistan, Malaysia and Egypt to facilitate access of rural poor to interest-free loans. However, being unprofitable, these operations did not survive for very long. Islamic banks, unlike conventional banks, are not based on interest and conduct their business in accordance with a wide array of ethical and moral issues. The modern phase of Islamic banking started in the 1970s when the Islamic Development Bank was founded in Saudi Arabia. Soon after, a number of commercial banks were established in the neighboring countries. From this core, over the last four decades, Islamic finance and banking has spread across the entire Muslim world and beyond to become a global phenomenon. This study examines the development of Islamic banking in Turkey in the wider context of global expansion. Turkey is an interesting case study because, although its population is nearly 100% Muslim, it is a secular state built on the model of Western European countries. However, lately, the moderate Islamic party in power since 2002 has shown some signs of openness towards a parallel banking system based on Islamic principles.

  5. The World Bank and Brazilian Higher Education in the First Decade of the New Century

    Directory of Open Access Journals (Sweden)

    Kátia Regina de Souza Lima

    2011-05-01

    Full Text Available This article analyzes higher education policies promoted by the World Bank in peripheral countries in the 1990s and the first decade of the new century. It found that the central guidelines of these policies (diversification of institutions of higher education, schools and financing sources were implemented in Brazil by the government of President Luís Inácio Lula da Silva. Higher education has been treated as a business and placed in the hands of public-private partnerships in higher education through management contracts. This process has led to the deconstruction of Brazilian public education as a social right and to the formation of a type of university suitable to the current phase of capital accumulation, particularly in a dependent capitalist country such as Brazil.

  6. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Science.gov (United States)

    2010-01-01

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

  7. The Selling of Student Loans

    Science.gov (United States)

    Field, Kelly

    2007-01-01

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

  8. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    OpenAIRE

    IMOLA DRIGĂ

    2014-01-01

    In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

  9. The World Bank's Position on Early Child Education in Brazil: A Critical Assessment of Contributions and Shortcomings

    Science.gov (United States)

    Fernandes, Sabrina

    2014-01-01

    In 2010, the World Bank published a policy study on early child education (ECE) developments in Brazil, entitled "Early Child Education: Making Programs Work for Brazil's Most Important Generation. Development." This paper analyses the report's assessment of ECE policy in Brazil as well as the recommendations it provides. A critical…

  10. Using Quantitative Data in World Bank Per-Student Funding Reform Projects: Data, Designs and Dilemmas in Transition Countries

    Science.gov (United States)

    Levacic, Rosalind

    2014-01-01

    Since the late 1980s, education systems have increasingly moved to allocating funding for general education by means of a per-student formula. The trend started with developed economies and moved to transition and developing economies, where the World Bank has promoted the adoption of per-student funding (PSF). But promoting a particular reform,…

  11. In the Best Interests of Youth or Neoliberalism? The World Bank and the New Global Youth Empowerment Project

    Science.gov (United States)

    Sukarieh, Mayssoun; Tannock, Stuart

    2008-01-01

    Youth, and youth employment especially, have jumped to the forefront of the international development agenda, driven by new funding and reporting priorities of the World Bank and allied international and national aid organisations. Despite the seductive rhetoric of youth empowerment, however, we argue that the new turn to youth serves primarily to…

  12. Interrogating an Omission: The Absence of a Rights-Based Approach to Education in World Bank Policy Discourse

    Science.gov (United States)

    Menashy, Francine

    2013-01-01

    This study provides a discursive analysis of World Bank policy documents in order to reveal the stark omission of a rights-based approach to education, while highlighting instead the support of an economic-instrumentalist approach. Plausible explanations are provided to shed light on this exclusion, including the feasibility critique of education…

  13. Your Money or Your Life! A Critical Canadian Perspective on the World Bank's "Reform Agenda" for Higher Education

    Science.gov (United States)

    Woodhouse, Howard

    2011-01-01

    In 1998 the World Bank published a "Reform Agenda" for higher education in the new millennium designed to accelerate privatization and the restructuring of the academic workforce. Before analyzing the report, I consider how changes in Canadian universities reflect the growth of the "knowledge-based economy." I then provide a…

  14. What factors predict how public sector projects perform ? a review of the World Bank's public sector management portfolio

    OpenAIRE

    Blum, Jurgen Rene

    2014-01-01

    This paper uses regression analysis to identify which country context, reform content, process, and project management variables predict the performance of public sector management projects, as measured by the Independent Evaluation Group's project outcome ratings. The paper draws on data from a large sample of World Bank public sector management projects that were approved between 1990 an...

  15. New perspectives of malaria control in India under World Bank Project.

    Science.gov (United States)

    Das Gupta, R K; Thakor, Hitendrasinh G; Sonal, G S; Dhillon, G P S

    2009-12-01

    The World Bank has been assisting Government of India (GoI) for a number of years with development of effective health services for the control of vector borne diseases (VBDs). An Enhanced Malaria Control Project (EMCP) under financial assistance from Bank was implemented in selected tribal states and districts from 1997 to 2005. While most of the project districts did report a decline in malaria incidence, the Implementation Completion Report (ICR) highlighted the need for major reform. Plasmodium falciparum (Pf) malaria, which accounts for almost all malaria related mortality, has been increasing in India and there is widespread resistance to chloroquine. The needed reform would require, first and foremost, updating of policy on malaria case management in public and private sectors. Also needed are innovative approaches for promoting the use of insecticide treated nets (ITNs) and strengthening institutions at the district and state levels for effective implementation of new policies. Several important changes in the policy on diagnosis and treatment of malaria are being implemented in this new project. The most important of these are: Use of artesunate combination therapy (ACT) as the first line treatment for all confirmed Pf malaria cases, introduction of rapid diagnostic kits for quick diagnosis of Pf cases, promotion of long lasting insecticide treated bed nets (LLINs) in vulnerable population. Supervision and monitoring will be strengthened by deployment of Malarial/Kala azar Technical Supervisors (MTS/KTS) and VBD consultants at district level. The project has also envisaged two important components like Environment Management Plan (EMP) for safe use of insecticides and materials and Vulnerable Community Plan (VCP) for the benefit of underprivileged population.

  16. 12 CFR 203.4 - Compilation of loan data.

    Science.gov (United States)

    2010-01-01

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

  17. Influence over Time: Community-Driven Development and the Changing Nature of the World Bank's Impact in Indonesia

    Science.gov (United States)

    Edwards, D. Brent, Jr.; Storen, Inga

    2017-01-01

    Much literature has focused on the influence of the World Bank with regard to policy reform in low-income countries. While this literature has been produced over the course of many decades, the underlying studies have not tended to take a multi-decade approach to examining the way that World Bank influence changes in a given country. Put…

  18. Are hybrid umbilical cord blood banks really the best of both worlds?

    Science.gov (United States)

    Guilcher, Gregory M T; Fernandez, Conrad V; Joffe, Steven

    2015-03-01

    Since the first use of umbilical cord blood (UCB) as a medical therapy, the number of UCB banks worldwide has grown. Public UCB banks offer the option of altruistic donation, whereas private banks allow a product to be stored for the exclusive use of the paying client. With many more UCB products banked privately than publicly in countries such as the USA, hybrid models blending aspects of public and private banking have been proposed. One such bank is in operation in the UK. In this paper we review the hybrid UCB model and conclude that it offers limited benefit to the general public. Furthermore, compared with private banking, this model provides few advantages and potential disadvantages to private clients. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  19. Perspectives of co-operation with the World Bank towards elimination of low emission sources in Krakow

    Energy Technology Data Exchange (ETDEWEB)

    Goerlich, K.

    1995-12-31

    I am not going to speak about or for the World Bank. More time and a different scope of the conference would be needed in order to more deeply assess the role of the World Bank and other international lenders and donors in the environmental and energy sectors in Poland. I am going to stay within the context of the Krakow Clean Fossil Fuels and Energy Efficiency Project financed by the US AID and managed by the US DOE (called here for simplicity the Krakow Programme). However, in order to assess a role of the World Bank and other international lenders and donors in the pro-environment transformation of the energy systems of Krakow, one needs to briefly discuss: the possibilities and confinements related to the {open_quotes}technology{close_quotes} of disbursement of the financial resources by the multilateral development banks (MDB`s) in Poland, the type of results obtained within the {open_quotes}Krakow Programme{close_quotes} and a concept of involving American commercial companies to implement the clean-air policy for Krakow.

  20. [THE RESULTS OF IMPLEMENTATION OF THE INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT LOAN PROJECT "PREVENTION, DIAGNOSIS, AND TREATMENT OF TUBERCULOSIS AND AIDS", A "TUBERCULOSIS" COMPONENT].

    Science.gov (United States)

    2010-01-01

    Due to the implementation of the International Bank for Reconstruction and Development (IBRD) loan project "Prevention, diagnosis, treatment of tuberculosis and AIDS", a "Tuberculosis" component that is an addition to the national tuberculosis control program in 15 subjects of the Russian Federation, followed up by the Central Research Institute of Tuberculosis, Russian Academy of Medical Sciences, the 2005-2008 measures stipulated by the Project have caused substantial changes in the organization of tuberculosis control: implementation of Orders Nos. 109, 50, and 690 and supervision of their implementation; modernization of the laboratories of the general medical network and antituberbulosis service (404 kits have been delivered for clinical diagnostic laboratories and 12 for bacteriological laboratories, including BACTEC 960 that has been provided in 6 areas); 91 training seminars have been held at the federal and regional levels; 1492 medical workers have been trained in the detection, diagnosis, and treatment of patients with tuberculosis; 8 manuals and guidelines have been prepared and sent to all areas. In the period 2005-2008, the tuberculosis morbidity and mortality rates in the followed-up areas reduced by 1.2 and 18.6%, respectively. The analysis of patient cohorts in 2007 and 2005 revealed that the therapeutic efficiency evaluated from sputum smear microscopy increased by 16.3%; there were reductions in the proportion of patients having ineffective chemotherapy (from 16.1 to 11.1%), patients who died from tuberculosis (from 11.6 to 9.9%), and those who interrupted therapy ahead of time (from 11.8 to 7.8%). Implementation of the IBR project has contributed to the improvement of the national strategy and the enhancement of the efficiency of tuberculosis control.

  1. The application of the environmental and social standards (safeguard policies) of the World Bank to pipeline projects

    Energy Technology Data Exchange (ETDEWEB)

    Nickel, E. [Elke Nickel Consultant, Leipzig (Germany); Robelus, R. [World Bank, Washington, DC (United States)

    2004-07-01

    In 1998, the World Bank applied environmental and social standards in connection with dam and pipeline projects. Their position on international lending was consolidated by the strict application of safeguard policies. This paper focused on the use of safeguard policies in pipeline projects during the planning and implementation phases. The standards have been analyzed according to the role of safeguard policies in the examination for credit rating; the structure and nature of the safeguard policies; and, new trends in the application of standards. The example of the Baku-Tiblisi-Ceyhan oil pipeline was presented along with the requirements established under the World Bank Operational Directive (OP) 4.01 on environmental assessment. In 2003, the largest internationally active commercial banks voluntarily complied with the World Bank standards in major projects. The safeguard policies of the World Bank refer to standards which are the foundation for environmental and ecological risk assessment in the context of credit-rating reviews. Although the safeguard policies were modeled largely on the specifications of the United States Environmental Protection Act, they requires consideration of the national legislation of the host country, and ratified international environmental agreements. The following elements compose the development of a financing model for credit rating review: internal check of the pipeline project; discussion of the project outline with financing institutions; execution of feasibility studies; project-preparatory phase; and, conclusion of contracts. The safeguards include procedural and qualitative guidelines for environmental assessment, natural habitats, pest management, cultural property, indigenous people, involuntary resettlement, forestry, dam safety, international waterways, disputed areas, and information disclosure. 8 refs., 1 tab., 3 figs.

  2. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 925.9 - Makes long-term home mortgage loans requirement.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 221.7 - Supplement: Maximum loan value of margin stock and other collateral.

    Science.gov (United States)

    2010-01-01

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

  5. 12 CFR 617.7430 - Are institutions required to participate in state agricultural loan mediation programs?

    Science.gov (United States)

    2010-01-01

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

  6. Economic growth and decline in mortality in developing countries: an analysis of the World Bank development datasets.

    Science.gov (United States)

    Renton, A; Wall, M; Lintott, J

    2012-07-01

    The 1999 World Bank report claimed that growth in gross domestic product (GDP) between 1960 and 1990 only accounted for 15% of concomitant growth in life expectancy in developing countries. These findings were used repeatedly by the World Health Organization (WHO) to support a policy shift away from promoting social and economic development, towards vertical technology-driven programmes. This paper updates the 1999 World Bank report using the World Bank's 2005 dataset, providing a new assessment of the relative contribution of economic growth. Time-series analysis. Cross-sectional time-series regression analysis using a random effect model of associations between GDP, education and technical progress and improved health outcomes. The proportion of improvement in health indicators between 1970 and 2000 associated with changes in GDP, education and technical progress was estimated. In 1970, a 1% difference in GDP between countries was associated with 6% difference in female (LEBF) and 5% male (LEBM) life expectancy at birth. By 2000, these values had increased to 14% and 12%, explaining most of the observed health gain. Excluding Europe and Central Asia, the proportion of the increase in LEBF and LEBM attributable to increased GDP was 31% and 33% in the present analysis, vs. 17% and 14%, respectively, estimated by the World Bank. In the poorest countries, higher GDPs were required in 2000 than in 1970 to achieve the same health outcomes. In the poorest countries, socio-economic change is likely to be a more important source of health improvement than technical progress. Technical progress, operating by increasing the size of the effect of a unit of GDP on health, is likely to benefit richer countries more than poorer countries, thereby increasing global health inequalities. Copyright © 2012 The Royal Society for Public Health. Published by Elsevier Ltd. All rights reserved.

  7. A School Growing Roots: The Bank Street Developmental-Interaction Approach at Community Roots Charter School. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Lit, Ira; Intrator, Sam

    2015-01-01

    This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education," that examines the preparation, practices, and effectiveness of graduates of Bank Street College of Education teacher certification programs over the last decade. This case study examines…

  8. Learning to Play, Playing to Learn: The Bank Street Developmental-Interaction Approach in Liliana's Kindergarten Classroom. Teaching for a Changing World: The Graduates of Bank Street College of Education

    Science.gov (United States)

    Park, Soyoung; Lit, Ira

    2015-01-01

    This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." The Bank Street College of Education's developmental-interaction approach to teaching and learning centers on understanding, valuing, and meeting the needs of the "whole child."…

  9. 12 CFR 583.4 - Bank holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank holding company. 583.4 Section 583.4 Banks... AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.4 Bank holding company. The term bank holding company means any company which has control over any bank or over any company that is or becomes a bank holding...

  10. 12 CFR 940.2 - Mission of the Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Mission of the Banks. 940.2 Section 940.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MISSION CORE MISSION ACTIVITIES § 940.2 Mission of the Banks. The mission of the Banks is to provide to their members' and housing...

  11. Appreciating diversity: Regulatory reform and banking practices in the developed and developing worlds

    Directory of Open Access Journals (Sweden)

    Jayati Ghosh

    2012-12-01

    Full Text Available The homogenisation of finance that has dramatically increased the proclivity to instability and crisis is directly related to the very structure of regulations that have discouraged different types of institutions from emerging and/or and surviving. In developing countries they have the further limitation of preventing the necessary variation of financial institutions that is required for financing development and enlarging the spread of and access to institutional finance. The rules that apply to commercial banks or investment banks cannot and should not be applied to development banks, savings banks or co-operative banks. Diversity in the financial system can and should be encouraged at several levels and through several means.

  12. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

    Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

  13. 12 CFR 221.109 - Loan to open-end investment company.

    Science.gov (United States)

    2010-01-01

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

  14. World bank EMCP malaria project in Orissa, India - A field reality.

    Science.gov (United States)

    Patil, Rajan R; Kumar, Ravi K

    2011-01-01

    Under the National Vector Borne Disease Control Program, the Enhanced Malaria Control Project (EMCP) with World Bank assistance was implemented in India, in the eastern state of Orissa. This article tries to analyze the possible reasons for the poor performance of EMCP in a few states of India. The eastern state of India is taken as a case study for looking into systemic, human resource, and logistics related issues that could explain the poor performance of EMCP in a few states of India. Field visits were made to some selected EMCP areas in the state of Orissa. Operational issues-related implementation of various components of the project were scrutinized. Not Applicable. While the project was highly successful in a few states of India, it had limited success in some states. It was learnt that the honorarium meant for Fever Treatment depot [FTD] work was divided among all the malaria workers. In high-risk areas, presumptive radical treatment was being carried on by malaria workers for every case of fever. Using Rapid Diagnostic Tests (RDTs) in such areas seemed to have no relevance. The laboratory technician ignored malaria work, due to a high work load and no additional incentive. In the Primary Health Centers (PHCs) the Medical officers had either not visited the village under indoor residual spray or symbolically visited only five to six houses. Cement tanks had to be built for larvivorus fish breeding. However, they had not been mad. The success of a public health program is dependent more on project implementation, management, monitoring, and evaluation of project activities than the volume of financial resource allocation.

  15. The Bretton Woods Institutions and the Environment: Organizational Learning within the World Bank and the International Monetary Fund (IMF

    Directory of Open Access Journals (Sweden)

    Alexandra Lindenthal

    2013-10-01

    Full Text Available Due to a growing public awareness, in the last 40 years environmental impacts of development projects financed and supported by the World Bank and the International Monetary Fund (IMF have come into view. Since then, the member states have pressured both organizations to implement environmental concerns. We analyze the reactions of the World Bank and the IMF’s bureaucracies towards their principals’ demands. To reveal if, and to what extent, the observed reactions of both bureaucracies towards environmental integration can be assessed as organizational learning, we develop in a first step a heuristic model that allows for a distinction between different levels of learning (compliant and non-compliant, single-loop and double-loop. In a second step we describe the efforts of the bureaucracies of the World Bank (from the 1970s until today and the IMF (from the 1990s until today to integrate environmental protection into their activities. Due to our interest in the quality of the organizational changes, we finally analyze if and to what extent the bureaucracies’ reactions to the new external demand qualify as organizational learning. Furthermore, we discuss which factors helped or hindered organizational learning.

  16. The Economic Impact of IMF and World Bank Programs in the Middle East and North Africa: A Case Study of Jordan, Egypt, Morocco and Tunisia, 1983-2004

    OpenAIRE

    Harrigan, Jane; El-Said, Hamed

    2010-01-01

    This paper examines whether the economic reforms attached to IMF and World Bank policy-based lending in the Middle East and North Africa have stimulated sustained economic growth. In order to investigate this, we chose four countries to study in depth: Jordan, Egypt, Tunisia and\\ud Morocco. These were chosen as they have been put forward by both the IMF and the World Bank as successful reformers who, for prolonged periods, carried out World Bank and IMF guided economic reform programs. We exa...

  17. Legality of the World Bank's Informal Decisions to Expand into the Tax Field, and Implications of These Decisions for Its Legitimacy

    OpenAIRE

    Dorlig, Uyanga

    2017-01-01

    textabstractThe emergence of global tax governance was triggered by common tax problems, which are now still being faced by international society of nation-states. In the creation of this framework, international institutions have been playing a major role. One of these institutions is the World Bank (Bank). However, those who write about the virtues and vices of the main creators of the framework usually disregard the Bank. This article, therefore, argues that this disregard is not justified...

  18. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... in the presence of temporarypayment difficulties of borrowers. Banks offering lenient (less strict) loan termsmust have higher initial levels of capital and charge higher loan rates. Whencapital requirements are increased, both strict and lenient banks hold higher levelsof initial capital and they raise loan...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...

  19. World corporate loan markets for raising new capital - does distance still matter: Are financial assets priced locally or globally?

    Directory of Open Access Journals (Sweden)

    Vojinovič Borut

    2006-01-01

    Full Text Available Though the paper focuses on pricing, as the background I provide some evidence about loan flows across markets in the form of borrowers’ and lenders’ propensity to issue outside their natural home market. The data show that borrowers stay home when they can and that they tend to issue in Europe when they must issue abroad. That is, borrowers domiciled in one of the major markets (Europe, U.S., and Asia almost always issue in that market, whereas borrowers in more remote locations usually issue in the European market. For example, borrowers from Latin America are overwhelmingly issuing in Europe rather than in the U.S. market.

  20. ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR, LOAN TO DEPOSIT RATIO (LDR DAN NET INTEREST MARGIN (NIM TERHADAP RETURN ON ASSET (ROA (studi Kasus Pada PT Bank Mandiri (Persero Tbk Periode 2008-2012

    Directory of Open Access Journals (Sweden)

    Irmawati Irmawati

    2015-06-01

    Full Text Available This study aims to determine the impact of the Capital Adequacy Ratio ( CAR , Loan to Deposit Ratio ( LDR and Net Interest Margin ( NIM of the Return on Assets ( ROA at PT . Bank Mandiri ( Persero Tbk . The data used in this study comes from the banks concerned . The data taken in the form of secondary data obtained through the banking statistics quarterly financial report of PT . Bank Mandiri ( Persero Tbk in Indonesia during 2008-2012. The analytical method used consists of multiple regression analysis , the classical assumption , hypothesis testing ( t test and F test and test the coefficient of determination . From the results of this study concluded that based on regression analysis obtained the following equation : Y = 6.342 + 0.008 + 0.044 XI X2 - 1.176 X3 . In the classical assumption test found a problem in the autocorrelation test , whereas the normality test, multicollinearity and heteroscedasticity test there is a problem in the model .  Based on the hypothesis testing , the F test is known that jointly ( simultaneously variable CAR , NIM and LDR significant effect on ROA . While the t test ( partial testing , variable CAR and NIM has no effect on ROA . While variable LDR dominant and significant positive effect on ROA

  1. Investing in amnesia, or fantasy and forgetfulness in the World Bank's approach to healthcare reform in sub-Saharan Africa.

    Science.gov (United States)

    Epprecht, M

    1997-01-01

    "Investing in Health," the World Bank's 1993 World Development Report, and a follow-up report, "Better Health in Africa," advocate investments in Third World health sectors as a means of increasing individual productivity and strengthening economic growth. Both reports maintain that structural adjustment policies have enhanced the physical health of low-income populations by improving the fiscal health of business elites. This essay critiques the World Bank's approach through a historical analysis of health care problems in sub-Saharan Africa with an emphasis on the devastating effects of colonialism, patriarchy, and imperialism. Although these documents contain many useful recommendations for Western donors (e.g., recognition of the destructive potential of alcohol and tobacco, the need for state regulation over key parts of the health sector, and the effects of gender on health status), they reflect an "investment in amnesia" regarding historical evidence on health care reform in Africa and an erroneous assumption that Western biomedicine is politically neutral. Foreign aid has tended to serve the needs of multinational corporations rather than African populations. Recommended, in place of structural adjustment policies, are measures such as a massive rebuilding of Africa's urban infrastructure, the enforcement of minimum wage laws, the preservation of ecosystems that supply traditional medicines, attention to the ecologic and health consequences of economic growth, and a feminist-led reproductive rights movement.

  2. 12 CFR 614.4020 - Banks for cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Banks for cooperatives. 614.4020 Section 614.4020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4020 Banks for cooperatives. (a) Banks for cooperatives are authorized to make...

  3. 12 CFR 950.8 - Banks as secured creditors.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.8 Banks as secured creditors. (a) Except as provided in...

  4. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What happens to borrower rights when a loan is sold? 617.7015 Section 617.7015 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS General § 617.7015 What happens to borrower rights when a loan is sold? (a) What happens...

  5. 12 CFR 618.8320 - Data regarding borrowers and loan applicants.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Data regarding borrowers and loan applicants. 618.8320 Section 618.8320 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Releasing Information § 618.8320 Data regarding borrowers and loan applicants. (a) Except as...

  6. 12 CFR 723.6 - What must your member business loan policy address?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What must your member business loan policy address? 723.6 Section 723.6 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... other data when necessary to analyze future loans and lines of credit, such as, borrower's history and...

  7. 12 CFR 502.26 - How does OTS calculate the semi-annual assessment for savings and loan holding companies?

    Science.gov (United States)

    2010-01-01

    ...-site supervision of a noncomplex, low risk savings and loan holding company structure. OTS will... savings and loan holding companies: a component based on the risk or complexity of the savings and loan... assessment for savings and loan holding companies? 502.26 Section 502.26 Banks and Banking OFFICE OF THRIFT...

  8. Primeira infância: a visão do Banco Mundial The World Bank's view of early childhood

    Directory of Open Access Journals (Sweden)

    Helen Penn

    2002-03-01

    Full Text Available Este artigo examina a visão do Banco Mundial sobre a primeira infância como exemplo da globalização da infância. Argumenta que a globalização é caracterizada por um ponto de vista econômico neoliberal que exacerba a desigualdade entre nações ricas e pobres e entre ricos e pobres, dentro de cada país, bem como por um otimismo tecnológico-científico que enfatiza os benefícios das intervenções tecnológicas. O artigo mostra como esses dois aspectos da globalização influenciaram as políticas para crianças pequenas que o Banco Mundial vem promovendo ativamente. Recorre aos indícios apresentados pelo Banco Mundial para exemplificar as contradições inerentes a essa abordagem.This paper explores the World Bank's view of early childhood as an example of the globalization of childhood. It argues that globalization is characterized by a particular neo-liberal economic approach which exacerbates the gap between rich and poor nations and between the rich and poor within countries; and by a technological/scientific optimism which stresses the benefits of technological interventions. It traces how these two aspects of globalization have influenced the policies towards young children that the World Bank is now actively promoting. It will draw on evidence presented by the World Bank to illustrate the contradictions inherent in such an approach.

  9. Green Banking: Advancement and Opportunities

    OpenAIRE

    Ahmed, Sarwar Uddin

    2012-01-01

    The objective of this paper is to discuss the contemporary green banking initiatives taken globally and more specifically in Bangladesh. North America and European regional banks were found to be forerunners in adopting green banking practices. Home mortgage, home equity loan, auto loan, credit card, etc, are common products found globally. In Bangladesh, solar home system, solar irrigation pumping station, biogas plant, effluent treatment plant, green credit card, etc. are already in the off...

  10. Does Central Bank Quality Determine Sovereign Ratings and Credit Default Swap Spreads: Evidence from the World?

    Directory of Open Access Journals (Sweden)

    Ramlall Indranarain

    2016-09-01

    Full Text Available This study innovates from prior research which focuses on the determinants of sovereign ratings and credit default swap spreads for a large sample of countries by incorporating the quality of central banks, let alone refined proxies. Findings show that the explanatory power of both sovereign ratings and CDS spreads model improve by a hefty 11 percent in case of sovereign ratings and 6 to 9 percent in the case of CDS spreads when central bank quality is incorporated. Such a finding bolters the notion that institutional quality does play a preponderant role when it comes to assessing country risk, making it a systematic component of institutional quality. The effect of labour participation implies that countries buffeted by stronger effects of an ageing population have greater propensity of increases in CDS spreads. Evidence is also found as to the driving dynamics of CDS spreads and sovereign ratings to be distinct. Our results hold robust post tackling for endogeneity problem.

  11. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

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

  12. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  13. The rise and growth of Serbian banking until World War I - part two: The second stage - the national state and the national banking (1878-1914

    Directory of Open Access Journals (Sweden)

    Stojanović Biljana

    2017-01-01

    Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Congress. In the first stage, until 1878, necessary political, economic and institutional preconditions had been formed for the rise of banking that led to the creation of the first organized credits and banks. During the second stage, decisive programme of economic and institutional development and modernization resulted in the mushrooming growth of banks. Apart from the Privileged National Bank of the Kingdom of Serbia (National Bank, as a bank of note issue, there were state banks and privately-owned banks mostly in the form of joint-stock companies. From 1894, farmers started to establish farm cooperative societies as institutions that met their credit needs with a much more favourable terms than banks. Analyses suggests that banks in the Kingdom of Serbia during 1878-1914 period better served the development of trade, building of the infrastructure (railroads and industry than credit needs of the farmers who were the main economic agent of the country representing 85% of the total population.

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

    OpenAIRE

    Cozarenco, Anastasia; Szafarz, Ariane

    2014-01-01

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

  15. 12 CFR 618.8325 - Disclosure of loan documents.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Disclosure of loan documents. 618.8325 Section 618.8325 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Releasing... processing and marketing directly related to the borrower's operations and those of other eligible farmers...

  16. Bank lending in transition economies

    NARCIS (Netherlands)

    Perotti, E.C.

    1993-01-01

    Bank privatization and tighter credit enforcement are believed indispensable to facilitate the Eastern European transition process. We analyze lending by value-maximizing banks, the only source of capital in the transition, faced by non-performing loans to the state-owned sector. We show that banks

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

    Science.gov (United States)

    2010-01-01

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

  18. 12 CFR 201.104 - Eligibility of consumer loans and finance company paper.

    Science.gov (United States)

    2010-01-01

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

  19. 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...

  20. Do Foreign Bank Operations Provide a Stabilizing Influence in Korea?

    OpenAIRE

    Yongil Jeon; Miller, Stephen M.; Paul A. Natke

    2003-01-01

    This paper examines Korean data (1994-2001) to determine if foreign banks behave differently than domestic banks and if that behavior provides a stabilizing influence on the Korean banking system and economy. Moreover, this paper also considers the effect, if any, of the Asian financial crisis on foreign and domestic bank behavior. Foreign banks. financial ratios differ from Korean banks with two notable exceptions: provisions for loan losses and loan growth. Before the Asian financial crisis...

  1. MODERN THEORETICAL APPROACHES CREDIT PORTFOLIO QUALITY MANAGEMENT OF COMMERCIAL BANK

    Directory of Open Access Journals (Sweden)

    Victoria Lisnic

    2016-12-01

    Full Text Available Credit portfolio management means the totality of financial and economic decisions realization aimed at achieving optimal ratio of performance indicators of loan portfolio. If low-quality loans increase, the reduction of productive assets volume and, respectively, profitability from banking lending. In extreme cases a such situation could lead to bank bankruptcy. At present bank loan portfolio quality assessment is an important component of bank management.

  2. Determinants of Bank Profitability

    OpenAIRE

    Mukesh Chaudhry; Arjun Chatrath; Ravindra Kamath

    1995-01-01

    This study investigates the determinants of profitability of U.S. commercial banks in the 1970s and 1980s. It is established that banks, depending on their size, may need to exercise greater control over a defined set of variables in order to maximize profits and/or minimize costs. Further, the study provides some indirect evidence of economies of scale/scope in certain aspects of the banksÕ loan and investment portfolios.

  3. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

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

  4. 12 CFR 614.4000 - Farm Credit Banks.

    Science.gov (United States)

    2010-01-01

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

  5. Policies for teacher education and recommendations of the World Bank: interfaces with the current context of literacy teacher education in Brazil

    Directory of Open Access Journals (Sweden)

    Jani Alves da Silva Moreira

    2016-01-01

    Full Text Available The purpose of this paper is to analyze the recommendations of the World Bank and its relation to the policies of teacher education in Brazil, in order to identify the concordances between current policies for teacher education in the literacy context. This is a document analysis of theoretical and critical nature, which permitted to observe that current policies for teacher education are consistent with the recommendations of the World Bank. Such guidelines generate the allocation of responsibility to the teachers for the success or failure of school students, verified through external assessments and based on the assessed performance.

  6. An analysis of GAVI, the Global Fund and World Bank support for human resources for health in developing countries.

    Science.gov (United States)

    Vujicic, Marko; Weber, Stephanie E; Nikolic, Irina A; Atun, Rifat; Kumar, Ranjana

    2012-12-01

    Shortages, geographic imbalances and poor performance of health workers pose major challenges for improving health service delivery in developing countries. In response, multilateral agencies have increasingly recognized the need to invest in human resources for health (HRH) to assist countries in achieving their health system goals. In this paper we analyse the HRH-related activities of three agencies: the Global Alliance for Vaccines and Immunisation (GAVI); the Global Fund for Aids, Tuberculosis, and Malaria (the Global Fund); and the World Bank. First, we reviewed the type of HRH-related activities that are eligible for financing within each agency. Second, we reviewed the HRH-related activities that each agency is actually financing. Third, we reviewed the literature to understand the impact that GAVI, Global Fund and World Bank investments in HRH have had on the health workforce in developing countries. Our analysis found that by far the most common activity supported across all agencies is short-term, in-service training. There is relatively little investment in expanding pre-service training capacity, despite large health worker shortages in developing countries. We also found that the majority of GAVI and the Global Fund grants finance health worker remuneration, largely through supplemental allowances, with little information available on how payment rates are determined, how the potential negative consequences are mitigated, and how payments are to be sustained at the end of the grant period. Based on the analysis, we argue there is an opportunity for improved co-ordination between the three agencies at the country level in supporting HRH-related activities. Existing initiatives, such as the International Health Partnership and the Health Systems Funding Platform, could present viable and timely vehicles for the three agencies to implement this improved co-ordination.

  7. Child Health in China. World Bank Staff Working Papers, Number 767.

    Science.gov (United States)

    Young, Mary E.; Prost, Andre

    Utilizing mainly Chinese publications, this paper reviews the existing data on childhood diseases in order to assess the health status and morbidity patterns of Chinese children. China's infant mortality rate is among the very lowest in the developing world. The number of post-neonatal deaths as a proportion of total infant deaths has decreased to…

  8. World Bank Education Policy and Human Resource Development in Sub-Saharan Africa

    Science.gov (United States)

    Mutamba, Charlene

    2014-01-01

    There is increasing interest in the intersection of education and training through societal development in the developing world, a concept linked to national human resource development (NHRD). In addition, education and training is known to correlate strongly with employment outcomes that are connected to economic success, health and family…

  9. Addressing the Enforcement Gap to Counter Crime : Part 2. Options for World Bank Engagement with Police

    OpenAIRE

    Marshall, Ineke; Gramckow, Heike P.; Greene, Jack; Barao, Lisa

    2016-01-01

    Crime and violence impede development and disproportionally impact poor people in many countries across the world. Though crime and violence represent serious problems in many countries, less-developed countries experience particular concentrations, especially those that are characterized by fragile or less-trusted government institutions and pervasive insecurity. Under such circumstances,...

  10. Why The Rate Of Financing In Islamic Banks Is High? An Analysis Based On Malaysian Case

    Directory of Open Access Journals (Sweden)

    Irfan Syauqi Beik

    2008-01-01

    Full Text Available Islamic banking has grown rapidly and has become fi nancial-nerve centre in today’s world economy, particularly in the last three decades. It has attracted various entrepreneurs and enterprises to get its fi nancing. However, Islamic banks tend to have a higher rate of fi nancing compared to the conventional ones. This less competitiveness encourage the demand for Islamic products may fall leaving the Islamic banks. Good debtors opted for conventional loans since the interest rates paid were relatively lower and the rest (the bad debtors successfully made their way to Islamic banks. Therefore, the nonperforming financing of Islamic banks is high. This paper attempts to analyze factors that determine high rate of fi nancing in Islamic banks, by taking the case of Malaysian Islamic banks. In this paper, the top three of Islamic banks and conventional banks are selected for comparison. It finds that high default premium and overheads per capital contribute signifi cantly to the high fi nancing rate. Hence, the Islamic banks should diversify their assets and implement universal banking concept.Keywords: Islamic bank, rate of fi nancing, NPF (Non-Performing Financing, universal banking system

  11. TINJAUAN TENTANG VARIABEL-VARIABEL CAMEL TERHADAP LABA USAHA PADA BANK UMUM SWASTA NASIONAL

    Directory of Open Access Journals (Sweden)

    Harianto Respati

    2017-03-01

    Full Text Available During the decade of December 2000 to June 2002, banking industry in Indonesiaespecially private general banks had not been able to manage their resource in order to obtainmore profit from their business. The Indonesian Bank had involved in establishing provision ofexecution concerning with financial report, which would be reported to the Indonesian Bankand then it would be published. In such situation, it was important to examine factors whichmight cause the profit to be weakened. This journal consisted of result or research concerningwith the influence of “CAMEL” variables toward profit of the private national banks. Out offourteen “CAMEL” variables, there were seven “CAMEL” variables that had an influence onprofit of the private national banks. ROA variable had more dominant influence than other sixvariables and it proved that during the decade the banking world had been dying and ineffectivein its effort to obtain more profit because of Non performing Loan.

  12. 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.

  13. INTERNAL AND EXTERNAL DETERMINANTS OF COMMERCIAL BANKS PROFITABILITY: EMPIRICAL EVIDENCE FROM BULGARIA AND ROMANIA

    Directory of Open Access Journals (Sweden)

    FIRTESCU BOGDAN

    2015-07-01

    Full Text Available Our study focuses on commercial banks which are operating in Bulgaria and Romania, two countries whose banking sectors have registered major structural changes in the transition to a market economy and which are showing some similarities. Similar to other EU countries, the financial system from Bulgaria and Romania is dominated by the banking sector, which holds the largest share of total assets. Thus, we can say that health, strength and performance of the banking sector are of major importance for the sustainable economic development of states, but also for efficient transmission of monetary policy decisions on the real economy. The paper aims to identify the key factors that affect bank profitability and to evaluate empirically their contribution to a sample of 29 commercial banks in Bulgaria and Romania, for the period 2003-2012. Our research is based on data from the Bureau Van Dijk database, the World Bank and the European Central Bank and uses panel data estimation techniques. The dependent variable used in our study is the bank profitability, which is measured by two representative indicators the Return on Average Assets (ROAA and Return on Average Equity (ROAE. Regarding the independent variables, our analysis includes capital adequacy, the loan loss reserve rate, cost to income ratio, the ratio of liquid assets to total assets, the interest expenses to deposits ratio, the non-interest income over total gross revenues, bank size, the GDP per capita growth, inflation rate, domestic bank credit to private sector and banking industry concentration. The results of our empirical study shows that among the variables considered, the loan loss reserve rate, the ratio of cost to income, GDP per capita growth and domestic bank credit to the private sector, have a significant impact on bank profitability, results in line with our expectations, but also with the results of other empirical studies.

  14. Bank Mergers, Competition and Liquidity

    OpenAIRE

    Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo

    2004-01-01

    We model the impact of bank mergers on loan competition, reserve holdings and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the dis...

  15. Literacy for What? Literacy for Whom? The Politics of Literacy Education and Neocolonialism in UNESCO- and World Bank-Sponsored Literacy Programs

    Science.gov (United States)

    Wickens, Corrine M.; Sandlin, Jennifer A.

    2007-01-01

    This article explores literacy education, especially the kinds practiced and promoted by organizations such as the World Bank and the United Nations Educational, Scientific, and Cultural Organization (UNESCO), as a form of neocolonialism. Although researchers in other educational contexts have examined how schooling and education operate as a form…

  16. Promoting anti-corruption reforms : Evaluating the implementation of a World Bank anti-corruption program in seven African countries (1999-2001)

    NARCIS (Netherlands)

    Klein Haarhuis, Carolien Maria

    2005-01-01

    This study offers an investigation of the implementation of a World Bank anti-corruption program, by applying various relevant social science theories and methods. The aim of the program is to provide countries with tools to build a relevant and participatory anti-corruption program. The study

  17. Promoting anti-corruption reforms. Evaluating the implementation of a World Bank anti-corruption program in seven African countries (1999-2001)

    NARCIS (Netherlands)

    Klein Haarhuis, C.M.

    2005-01-01

    This study offers an investigation of the implementation of a World Bank anti-corruption program, by applying various relevant social science theories and methods. The aim of the program is to provide countries with tools to build a relevant and participatory anti-corruption program. The study

  18. Evaluation Of Selected Commercial Banks Financing Of Agro Based ...

    African Journals Online (AJOL)

    ... their activities and form cooperatives for easy access to bank funding. Banks should have effective and efficient loan monitoring and supervision departments to prevent loan diversion and default. Keywords: Commercial Banks, Financing, Agro-Based Enterprises International Journal of Agriculture and Development Vol.

  19. Macroeconomy and Banks' Profitability in Nigeria | Chidozie | African ...

    African Journals Online (AJOL)

    It also seeks to examine the significance of microeconomic variables (cost to income ratio, loan to deposit ratio; loan to total assets ratio and total assets) on banks' profitability. It analysed the impact of banking industry concentration on banks' profitability. The estimation technique follows a panel regression which studied a ...

  20. Does uncertainty matter for loan charge-offs?

    OpenAIRE

    Laetitia Lepetit; Frank Strobel; David G. Dickinson

    2012-01-01

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

  1. 12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

    Science.gov (United States)

    2010-01-01

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

  2. 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 ...

  3. Viability of a student loan scheme in the Maldives

    OpenAIRE

    Shakeela, Fathimath

    2010-01-01

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

  4. 12 CFR 614.4354 - Federal land bank associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land bank associations. 614.4354... OPERATIONS Lending and Leasing Limits § 614.4354 Federal land bank associations. No Federal land bank association may assume endorsement liability on any loan if the total amount of the association's endorsement...

  5. Earth Science World ImageBank (ESWIB): A Comprehensive Collection of Geoscience Images Being Developed by the American Geological Institute

    Science.gov (United States)

    Howe, A. W.; Keane, C. M.

    2003-12-01

    Although there are geoscience images available in numerous locations around the World Wide Web, there is no universal comprehensive digital archive where teachers, students, scientists, and the general public can gather images related to the Earth Sciences. To fill this need, the American Geological Institute (AGI) is developing the largest image database available: the Earth Science World ImageBank (ESWIB). The goal of ESWIB is to provide a variety of users with free access to high-quality geoscience images and technical art gathered from photographers, government organizations, and scientists. Each image is cataloged by location, author, image rights, and a detailed description of what the image shows. Additionally, images are cataloged using keywords from AGI's precise Georef indexing methodology. Students, teachers, and the general public can search or browse and download these images for use in slide show presentations, lectures, papers, or for other educational and outreach uses. This resource can be used for any age level, in any kind of educational venue. Users can also contribute images of their own to the database through the ESWIB website. AGI is scanning these images at a very high resolution (16 x 20 inches) and depending on the author's rights, is making high-resolution copies (digital or print) available for non-commercial and commercial purposes. This ImageBank is different from other photo sites available in that the scope has more breadth and depth than other image resources, and the images are cataloged with a very high grade of detail and precision, which makes finding needed images fast and easy. The image services offered by ESWIB are also unique, such as the low-cost commercial options and high quality image printouts. AGI plans on adding more features to ESWIB in the future, including connecting this resource to the up-coming online Glossary of Geology, a geospatial search option, using the images to make generic PowerPoint presentations

  6. Measuring commercial bank efficiency : use and misuse of bank operating ratios

    OpenAIRE

    Vittas, Dimitri

    1991-01-01

    Measuring bank efficiency is difficult because there is no satisfactory definition of bank output. Neither the number of accounts nor total assets, total loans, nor total deposits provide a good index of output. Moreover, the value added of banks - given by their labor costs and profits - measures both the output and cost of banking. Many analysts use accounting data on bank margins, costs and profits as measures of bank efficiency. But the usefulness of such data is undermined by substantial...

  7. Green Bank Observatory (GBO)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...

  8. A New Measure of Competition in Indian Loan Market

    Directory of Open Access Journals (Sweden)

    Jugnu Ansari

    2013-11-01

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

  9. ASSET RECONSTRUCTION COMPANIES IN INDIAN BANKING INDUSTRY

    OpenAIRE

    Dr. Jessy George

    2017-01-01

    Growing non-performing assets is a recurrent problem in today’s Indian banking sector. Asset quality was not prime concern in Indian banking sector till 1991 as banks were mainly focused on performance objectives such as opening wide branches, development of rural banking services by inculcating financial inclusion habits, priority sector lending etc. While the primary function of banks is to lend funds as loans to various sectors of the economy such as agriculture and industry through variou...

  10. Learning from All? The World Bank, Aid Agencies and the Construction of Hegemony in Education for Development

    Science.gov (United States)

    Verger, Antoni; Edwards, D. Brent, Jr.; Altinyelken, Hulya Kosar

    2014-01-01

    This paper explores the nature and quality of the participation that characterises the Bank's consultations with external actors and examines the extent to which the Bank is responsive to such feedback when it comes to defining its policy preferences and strategies in the education domain. It draws on a case study of the participatory process that…

  11. Learning from all? The World Bank, aid agencies and the construction of hegemony in education for development

    NARCIS (Netherlands)

    Verger, A.; Edwards, D.B.; Altinyelken, H.K.

    2014-01-01

    This paper explores the nature and quality of the participation that characterises the Bank's consultations with external actors and examines the extent to which the Bank is responsive to such feedback when it comes to defining its policy preferences and strategies in the education domain. It draws

  12. 78 FR 39285 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-07-01

    ... Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million: AP088099XX AGENCY: Export...''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial...

  13. Web Service for Calculating the Probability of Returning a Loan – De-sign, Implementation and Deployment

    National Research Council Canada - National Science Library

    Julian VASILEV

    2014-01-01

    ... – in credit institutions and banks when giving a loan. This study is the first of its kind to show the design, implementation and deployment of a web service for calculating the probability of returning a loan...

  14. 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.

  15. Evidence for non-communicable diseases: analysis of Cochrane reviews and randomised trials by World Bank classification.

    Science.gov (United States)

    Heneghan, C; Blacklock, C; Perera, R; Davis, R; Banerjee, A; Gill, P; Liew, S; Chamas, L; Hernandez, J; Mahtani, K; Hayward, G; Harrison, S; Lasserson, D; Mickan, S; Sellers, C; Carnes, D; Homer, K; Steed, L; Ross, J; Denny, N; Goyder, C; Thompson, M; Ward, A

    2013-01-01

    Prevalence of non-communicable diseases (NCDs) is increasing globally, with the greatest projected increases in low-income and middle-income countries. We sought to quantify the proportion of Cochrane evidence relating to NCDs derived from such countries. We searched the Cochrane database of systematic reviews for reviews relating to NCDs highlighted in the WHO NCD action plan (cardiovascular, cancers, diabetes and chronic respiratory diseases). We excluded reviews at the protocol stage and those that were repeated or had been withdrawn. For each review, two independent researchers extracted data relating to the country of the corresponding author and the number of trials and participants from countries, using the World Bank classification of gross national income per capita. 797 reviews were analysed, with a reported total number of 12 340 trials and 10 937 306 participants. Of the corresponding authors 90% were from high-income countries (41% from the UK). Of the 746 reviews in which at least one trial had met the inclusion criteria, only 55% provided a summary of the country of included trials. Analysis of the 633 reviews in which country of trials could be established revealed that almost 90% of trials and over 80% of participants were from high-income countries. 438 (5%) trials including 1 145 013 (11.7%) participants were undertaken in low-middle income countries. We found that only 13 (0.15%) trials with 982 (0.01%) participants were undertaken in low-income countries. Other than the five Cochrane NCD corresponding authors from South Africa, only one other corresponding author was from Africa (Gambia). The overwhelming body of evidence for NCDs pertains to high-income countries, with only a small number of review authors based in low-income settings. As a consequence, there is an urgent need for research infrastructure and funding for the undertaking of high-quality trials in this area.

  16. THE TECHNICAL INEFFICIENCY EFFECTS OF TURKISH BANKS AFTER FINANCIAL LIBERALIZATION

    National Research Council Canada - National Science Library

    DEMIR, Nazmi; MAHMUD, Syed F; BABUSCU, Senol

    2005-01-01

    ...‐liberalization periods, using the technical inefficiency effects model. We found that loan quality, size, ownership of the banks, and profitability have a positive and significant impact on the technical efficiencies of banks...

  17. WORLD BANK'S AGENDA

    Indian Academy of Sciences (India)

    Increasing inequality, hierarchy & exclusion. India becomes supplier of cheap skilled BUT slavish workforce & pays heavily for new knowledge from elsewhere – Back to colonial model. Control of character of knowledge by market. Imperialism determines development model.. KNOWLEDGE ECONOMY!!

  18. Overview of US AID-World Bank-NASA Collaboration to Address Water Management Issues in the MENA Region

    Science.gov (United States)

    Habib, Shahid

    2012-01-01

    The World Bank, USAID and NASA have recently established a joint project to study multiple issues pertaining to water related applications in the Middle East North Africa (MENA) region. The main concentration of the project is on utilization of remote sensing data and hydrological models to address crop irrigation and mapping, flood mapping and forecasting, evapotranspiration and drought problems prevalent in this large geographic area. Additional emphases are placed on understanding the climate impact on these areas as well. Per IPCC 2007 report, by the end of this century MENA region is projected to experience an increase of 3 C to 5 C rise in mean temperatures and a 20% decline in precipitation. This poses a serious problem for this geographic zone especially when majority of the hydrological consumption is for the agriculture sector and the remaining amount is for domestic consumption. The remote sensing data from space is one of the best ways to study such complex issues and further feed into the decision support systems. NASA's fleet of Earth Observing satellites offer a great vantage point from space to look at the globe and provide vital signs necessary to maintain healthy and sustainable ecosystem. These observations generate multiple products such as soil moisture, global precipitation, aerosols, cloud cover, normalized difference vegetation index, land cover/use, ocean altimetry, ocean salinity, sea surface winds, sea surface temperature, ozone and atmospheric gases, ice and snow measurements, and many more. All of the data products, models and research results are distributed-via the Internet freely through out the world. This project will utilize several NASA models such as global Land Data Assimilation System (LDAS) to generate hydrological states and fluxes in near real time. These LDAS products will then be further compared with other NASA satellite observations (MODIS, VIIRS, TRMM, etc.) and other discrete models to compare and optimize

  19. The Impact of Organizational Structure and Lending Technology on Banking Competition

    OpenAIRE

    Hans Degryse; Luc Laeven; Steven Ongena

    2009-01-01

    We investigate how bank organization shapes banking competition. We show that a bank's geographical lending reach and loan pricing strategy is determined by its own and its rivals' organizational structure. We estimate the impact of organization on the geographical reach and loan pricing of a large bank. We find that the reach of the bank is smaller when rival banks are large and hierarchically organized, have superior communication technology, have a narrower span of organization, and are cl...

  20. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

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

    OpenAIRE

    IMAM SAHID SUKAMTO, ANDI

    2015-01-01

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

  2. 78 FR 37946 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

    Science.gov (United States)

    2013-06-25

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

  3. Bank, Banking System, Macroprudential Supervision, Stability of Banking System

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

    Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

  4. 38 CFR 36.4352 - Authority to close loans on the automatic basis.

    Science.gov (United States)

    2010-07-01

    ... land bank, national bank, State bank, private bank, building and loan association, insurance company... office of jurisdiction will contact the underwriter to schedule this training at a VA regional office... the same as the adjusted net worth required by the Department of Housing and Urban Development (HUD...

  5. 12 CFR 621.8 - Application of payments and income recognition on nonaccrual loans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Application of payments and income recognition on nonaccrual loans. 621.8 Section 621.8 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT... established that reasonably demonstrates future repayment capacity. (c) The institution shall employ the...

  6. Loan managers' decisions and trust in entrepreneurs in different institutional contexts

    DEFF Research Database (Denmark)

    Moro, Andrea; Fink, Matthias; Maresch, Daniela

    2017-01-01

    Loan managers’ trust in entrepreneurs can be a useful tool for overcoming entrepreneurial firms’ opaqueness. Nevertheless, the possibility for loan managers to leverage trust can be affected by differences in the regulative institutions within the banks (type of bank) and by place-bound normative...

  7. 12 CFR 25.63 - Loan-to-deposit ratio screen.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Loan-to-deposit ratio screen. 25.63 Section 25... ACT AND INTERSTATE DEPOSIT PRODUCTION REGULATIONS Regulations Prohibition Against Use of Interstate Branches Primarily for Deposit Production § 25.63 Loan-to-deposit ratio screen. (a) Application of screen...

  8. 12 CFR 347.304 - Accounting for fees on international loans.

    Science.gov (United States)

    2010-01-01

    ... cost over the effective life of the loan. (b) Accounting treatment. Subject to paragraph (a) of this... accepted accounting principles. ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Accounting for fees on international loans. 347...

  9. 12 CFR 211.45 - Accounting for fees on international loans.

    Science.gov (United States)

    2010-01-01

    ... the administrative cost over the effective life of the loan. (b) Accounting treatment. Subject to... accordance with generally accepted accounting principles. Interpretations ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounting for fees on international loans. 211...

  10. Islamic banks and finance and the possibility of agricultural investments in the Republic of Serbia

    Directory of Open Access Journals (Sweden)

    Kačar Bahrija

    2017-01-01

    Full Text Available Financing the economy and agriculture as well in the Republic of Serbia in recent past present was realized and has been implemented with the financial and credit support of the state, as well as through expensive commercial bank loans and financial leasing. Bearing in mind the productive resources, the importance of agriculture to the national economy and employment of the population, and that the financing of agriculture in the Republic of Serbia, at its current level of development, should be implemented with the support of the state. States should work towards the establishment of specialized agricultural banks and by legislation facilitate the arrival of financial institutions which will place funds at favorable conditions such as the Islamic financial institutions do. Islamic financial institutions in the placement of funds-loans do not use the loan interest rate which is according to the Islamic beliefs unfair and unacceptable. The theoreticians of Islamic economy see an alternative in the fundamental values and teachings of Islam, the Quran and the Sunnah, which strictly prohibit interest. Islamic bank can make certain comparative advantages in respect to the other domestic banks. It is in a position to establish a sound business relationship with clients from Muslim countries for the local companies to perform in their markets, as well as with the performance of companies from Muslim countries on the Serbian market. A further advantage of this bank we see in the fact that one of its founders would be the IDB - Islamic Development Bank - the leading development bank of the Muslim world, whose experience in the implementation of development projects in Serbia can be of great benefit. However, the largest Islamic bank has potential in the establishment and development of business relationships and cooperation with a growing number of financial and other institutions whose operations are based on the principles of Shariah.

  11. CREDIT ACTIVITIES OF COOPERATIVE BANKS IN POLAND

    Directory of Open Access Journals (Sweden)

    Anna Bieniasz

    2017-03-01

    Full Text Available The aim of the study was to analyze the lending activities of cooperative banks in Poland in the years 2010– 2014, in a size of banks. Elaboration is a review, based on the data of the Polish Financial Supervision Authority. Research indicates that the value of own funds of the cooperative banks was reflected in both the volume of lending, and in the structure of loans. Banks with capital of 5 million euro loans for primarily farmers, individuals, and individual entrepreneurs. In turn, the banks with capital of more than 5 million euro were most involved in the financing of small and medium enterprises and individual farmers. Regardless of the size of banks, the most important in lending loans were investment and operating

  12. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

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

  13. The determinants of non-performing loans: an econometric case study of Guyana

    OpenAIRE

    Khemraj, Tarron; Pasha, Sukrishnalall

    2009-01-01

    The study attempts to ascertain the determinants of non-performing loans in the Guyanese banking sector using a panel dataset and a fixed effect model similar to Jimenez and Saurina (2005). Consistent with international evidence we find that the real effective exchange rate has a significant positive impact on non-performing loans. This indicates that whenever there is an appreciation in the local currency the non-performing loan portfolios of commercial banks are likely to be higher. Our em...

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

    African Journals Online (AJOL)

    2017-05-01

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

  15. 12 CFR 5.37 - Investment in bank premises.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Investment in bank premises. 5.37 Section 5.37... PROCEDURES FOR CORPORATE ACTIVITIES Expansion of Activities § 5.37 Investment in bank premises. (a) Authority... related investments, loans, or indebtedness, as described in paragraph (d)(1)(i) of this section. (c...

  16. Interest rate and commercial banks' lending operations in Nigeria: A ...

    African Journals Online (AJOL)

    It was found that Monetary Policy Rate (MPR) and inflation rate exert a positive and significant impact on banks' loans for the period. For the deregulation era, the result showed that MPR and the exchange rate had significant impact on banks' loans and advances. While the former exerted a negative impact, the later had a ...

  17. An Assessment of SMEs’ Financing by Commercial Banks in Zimbabwe

    Directory of Open Access Journals (Sweden)

    Stanley Sachikonye

    2016-12-01

    Full Text Available Small-to-medium enterprises (SMEs play a key role in the world economy and contribute significantly to an economy’s output, income and employment. This paper seeks to assess the extent to which Zimbabwe’s commercial banks finance SMEs. Document analysis and an extensive review of the literature was undertaken to contextualize and draw a framework of analysis for the study. The literature shows that SMEs are of great socio-economic importance in developing countries but access to financial services for SMEs in Zimbabwe remains low. Zimbabwe’s economic challenges since 2000 to dollarization in 2009, the informalization of the SME sector, customers’ financial illiteracy and lack of training, lack of collateral security for loans, a high non-performing loans ratio, the lack of understanding of SMEs’ needs by banks, the inaccessibility of banks and the general lack of financial innovation are some of the major reasons for the low level of SME financing. A harmonised approach to policy suggestions for SMEs, lending institutions, the central bank and government to ensure the viability and growth of the SME sector are required and outlined. The research helps to formalize the SME sector considering its attendant benefits to the relevant players in the economy.

  18. Gestione delle acque, pace nel Medio Oriente e un ruolo per la Banca Mondiale (Water Management, Middle East Peace and a Role for the World Bank

    Directory of Open Access Journals (Sweden)

    Hossein Askari

    2012-04-01

    Full Text Available The region comprising North Africa and the Middle East is the driest in the world. Thus conflicts over water have been a part of the landscape. These conflicts over water are invariably seen as a zero sum game; such a view does not incorporate the notion that water is an economic good and is therefore scarce. Given the limitation of competitive markets, optimal water allocation could only but help. However, even if one country allocates water efficiently within its own territory, its allocation could be sub-optimal if water interdependencies with other countries are not incorporated in a regional optimization model. The World Bank is in the best position to adopt a regional optimization model and thus ameliorate water conditions in the Middle East and in other regions around the world.       JEL Codes: Q25, Q28, Q15, Q13Keywords: Water

  19. Bank Financing for SMEs : Evidence Across Countries and Bank-Ownership Types

    NARCIS (Netherlands)

    Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

    2009-01-01

    Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational

  20. DETERMINANTS OF NON-PERFORMING LOANS IN NIGERIA

    OpenAIRE

    Olayinka Akinlo; Mofoluwaso Emmanuel

    2014-01-01

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

  1. 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.

  2. Banks' Procyclical Behavior: Does Provisioning Matter?

    OpenAIRE

    Vincent Bouvatier; Laetitia Lepetit

    2008-01-01

    International audience; A panel of 186 European banks is used for the period 1992-2004 to determine if banking behaviors, induced by the capital adequacy constraint and the provisioning system, amplify credit fluctuations. Our nding is consistent with the bank capital channel hypothesis, which means that poorly capitalized banks constrained to expand credit. We also find that loan loss provisions (LLP) made in order to cover identified credit losses (non discretionary LLP) amplify credit fluc...

  3. THE INTRODUCTION OF THE UNIQUE MECHANISM OF SURVEILLANCE AND THE REDUCTION OF NON-PERFORMING LOANS

    Directory of Open Access Journals (Sweden)

    Nicoleta Georgeta PANAIT

    2014-05-01

    Full Text Available The introduction of a harmonized framework for financial supervision allows the minimizing of tax consequences and possible systemic bank failures. Banking union project will have impact on both the micro-prudential supervisory practices and the prudential supervision framework in the euro area and in the state members that will decide to participate in this project. The non-performing loans (NPL trend in the countries of Southeastern Europe further shows that nonperforming loans will increase in some of the states of Eastern Europe affecting credit flows and profits made by the banks. The activities conducted by the banks cannot be estimated, quantified and especially eliminate all risk, lending generates NPL even lending procedures were followed in accordance with the laws and regulations in force. Romania has the highest rate of non-performing loans in the region and the fact is generated because of difficulties in removing non performing loans from banks' balance sheets. In order to increase the volume of loans it is necessary to decrease of nonperforming loans from banks' balance sheets. To identify the optimal strategy for managing non-performing loans is necessary to continually monitor the performance and providing rapid adaptation to the dynamic environmental factors and changes in the characteristics of the loan portfolio. European Central Bank will consistently enforce a set of unique rules apply to the group of euro area credit institutions will directly supervise credit large institutions and will monitor supervisory practices of credit institutions less significant conducted by competent national authorities.

  4. E-Banking and its features - Albania as a special case

    Directory of Open Access Journals (Sweden)

    Ermela Bashuri

    2016-03-01

    Full Text Available The e-banking system is a system which enables customers of financial institutions to perform financial transactions such as: balance inquiries, account transfers, bill payments and some of them offer even the possibility to make loan or credit card applications on a website operated by the institution via internet at any place or time. The e-banking is referred to as online banking or internet banking. The banks have chosen to be part of the wide world of Web in order to stay competitive in the fast changing world of business and also to take further advantages. This innovation (accompanied by globalization and technology development has”obliged” the business entities to redefine and remodel their operations. Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in designing and implementing macroeconomic policy. In the first section there is an overview of E-banking products and services offered world wide and in Albania as a special case. In the second section there is a general overview of the e-banking advantages and disadvantages. In the third part there is a discussion above the features, challenges, advantages and disadvantages of E-Banking vs traditional banking. In the last part there are given some general recommendations to be taken in consideration in order to maintain effective and to further develop the operating environment for the existing and potential e-banks.

  5. Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

    African Journals Online (AJOL)

    This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

  6. Banking system reform, earnings quality and credit allocation

    Directory of Open Access Journals (Sweden)

    Xiuli Zhu

    2012-09-01

    Full Text Available This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in state-owned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-state-owned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

  7. Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

    Directory of Open Access Journals (Sweden)

    Tri Wahyuningsih

    2016-09-01

    Full Text Available This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL, Loan to Deposit Ratio (LDR, Adecuacy Capital Ratio (CAR, Return on Assets (ROA and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking. Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.

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

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2017-03-01

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

  9. STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

    Directory of Open Access Journals (Sweden)

    Rohmawati Kusumaningtias

    2009-10-01

    Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

  10. Interest - “Loan Cost” or “Sin”?

    Directory of Open Access Journals (Sweden)

    Violeta ISAI

    2014-11-01

    Full Text Available Interest has appeared from the people need to borrow main agricultural products. Over the time, it has been the subject for many theories - for interest, and against interest- all of them having various reasons. Church has, in general, forbidden interest, but the economic reasons have won, considering fair to reward the creditor for the time passed from the moment of loaning, for the monetary devaluation because of inflation, and for the reason that money is a good which must produce profit. Nowadays, the interest rate and the way haw it modifies the report between demand and supply, is a very debated subject. The interest rate is an instrument in the hand of Governments and International Financial Organisms, and interest is used in the conventional banks from the entire world. But, in the system of Islamic Economy, interest is considered “a sin”, and the appearance of Islamic Banks is a proof for the efforts to introduce in the banking system of Muslim countries, a modality of financing which respects, from the religious point of view, what is allowed and what is forbidden.

  11. Building integrated health systems in central and eastern Europe: an analysis of WHO and World Bank views and their relevance to health systems in transition.

    Science.gov (United States)

    Delnoij, Diana M J; Klazinga, Niek S; van der Velden, Koos

    2003-09-01

    Two questions are addressed. i) What are the views on health and health systems as expressed in the World Development Report 2000/2001 of the WB and the World Health Report 2000 and Health 21 of the World Health Organization, and how compatible are those views? ii) To what extent will compliance of CEEC and NIS with the WHO and WB recommendations result in health systems that produce maximum health for all by adequately addressing the needs of their populations? The reports prepared by the World Bank and the World Health Organization were assessed against the theoretical framework of a needs-based public health approach. It is observed that the WHO and WB approaches are currently converging, although there remain differences in their respective focuses. The main merit of the WHO approach is its focus on performance and the systems approach towards health (care). The merit of the WB view is the integrated approach to health, education and poverty. It is argued that CEEC and NIS need to anticipate an ageing population and growing numbers of chronically ill. This calls for integrated health care systems and more integrated funding and payment systems. The recommendations provided in the WHR and the WDR with regard to integrated care and integrated financing remain rather abstract. Advisors of CEEC and NIS on health care reform and Western assistance projects should focus more on future needs, in order to avoid building health systems that consistently lag behind the needs of their populations.

  12. Analisis Perlakuan Akuntansi Pembiayaan Ijarah Bermasalah pada PT. Bank Syariah “X” di Indonesia

    Directory of Open Access Journals (Sweden)

    Muhammad Yusuf

    2013-05-01

    Full Text Available Disbursement of funds by Islamic banks expected to get results have direct implications to the fund owner. If the investments made by the Islamic banks have payments that are not smooth and even jammed, can result in a small earned income and income received by the owner of the funds raised to be too small. All types of financing provided by banks to customers have experienced financing problems. Based on the information and data obtained, the most problematic financing for 2010 is the ijara financing, which underlies the preparation of this study. Research uses descriptive method of analysis. The research objective was to determine how the application of PT. Bank Syariah “X” in ijara financing problems, how it compares ijara financing problems in PT Bank Syariah “X” with non-performing loans at conventional banks, and how it compares to compliancewith SFAS 107 on accounting ijara at PT. Bank Syariah “X”. The benefits of research for the PT Bank Syariah “X” can be an evaluation of the practice that has been done in Indonesia Islamic banking world. Bank Syariah “X”. Accounting records ijara financing for the financing of the reverse problem of scheduling has been agreed will be recorded as revenue ijara receivables. The conclusion of the study is the recording of the restructuredijara financing, PT Bank Syariah “X” will record the repayment of the existing contract and replace with a new contract that has been adjusted in both the number and schedule of installment payments previously agreed by the customer and the PT. Bank Syariah “X”. Ijarah accounting records adopted by the PT Bank Syariah “X” are in accordance with SFAS 107 on accounting ijara.

  13. Tobacco industry attempts to counter the World Bank report Curbing the Epidemic and obstruct the WHO framework convention on tobacco control.

    Science.gov (United States)

    Mamudu, Hadii M; Hammond, Ross; Glantz, Stanton

    2008-12-01

    In 1999 the World Bank published a landmark study on the economics of tobacco control, Curbing the Epidemic: Governments and the Economics of Tobacco Control (CTE), which concluded that tobacco control brings unprecedented health benefits without harming economies, threatening the transnational tobacco companies' ability to use economic arguments to dissuade governments from enacting tobacco control policies and supporting the WHO Framework Convention on Tobacco Control (FCTC). We used tobacco industry documents to analyze how tobacco companies worked to discredit CTE. They hired public relations firms, had academics critique CTE, hired consultants to produce "independent" estimates of the importance of tobacco to national economies, and worked through front groups, particularly the International Tobacco Growers' Association, to question CTE's findings. These efforts failed, and the report remains an authoritative economic analysis of global tobacco control during the ongoing FCTC negotiations. The industry's failure suggests that the World Bank should continue their analytic work on the economics of tobacco control and make tobacco control part of its development agenda.

  14. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  15. NON-PERFORMING LOANS: ANALYSIS AND REGULATION

    OpenAIRE

    Lobozynska, Sophia

    2014-01-01

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

  16. 77 FR 65878 - Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2012-10-31

    ... UNITED STATES Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of... 25 day comment period regarding an application for final commitment for a long-term loan or financial...''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial...

  17. 77 FR 61749 - Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2012-10-11

    ... UNITED STATES Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of... comment period regarding an application for final commitment for a long-term loan or financial guarantee...-Im Bank has received an application for final commitment for a long-term loan or financial guarantee...

  18. 77 FR 61750 - Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2012-10-11

    ... UNITED STATES Application for Final Commitment for a Long-term Loan or Financial Guarantee in Excess of... 25 day comment period regarding an application for final commitment for a long-term loan or financial...''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial...

  19. PENGARUH CAPITAL ADEQUACY RATIO (CAR DAN LOAN TO DEPOSIT RATIO (LDR TERHADAP RETURN ON ASSETS (ROA, (STUDI PADA BANK UMUM GO PUBLIC YANG LISTING DI BURSA EFEK INDONESIA (BEI PERIODE 2008 - 2011

    Directory of Open Access Journals (Sweden)

    Henry Ocky

    2014-07-01

    Full Text Available Penilaian kesehatan bank dilakukan oleh Bank Indonesia sebagai bank sentral, antara lain adalah penilaian likuiditas, penilaian modal, dan kemampuan untuk mencapai keuntungan (laba. Bank memiliki peranan penting sebagai lembaga perantara keuangan, yakni dengan menghimpun dana dari masyarakat dan menyalurkan kembali kepada masyarakat dalam rangka memperoleh laba, bank melakukan ekspansi kredit dimana hal ini menimbulkan suatu risiko kredit yang tidak terbayar oleh debitur sehingga dapat mempengaruhi tingkat Return On Asset bank tersebut. Tujuan dari penelitian ini adalah untuk mengetahui apakah LDR dan CAR memiliki pengaruh yang signifikan terhadap ROA bank baik secara parsial maupun secara bersama-sama. Populasi penelitian ini adalah seluruh perusahaan sektor perbankan yang terdaftar di BEI 2008 – 2011 dengan sample 22 perusahaan. Pengujian secara menyimpulkan bahwa semua variabel independent mempengaruhi variabel dependen sebesar 5,5%

  20. The Participation Banking As A Distinctive Method And The Its Growing In The Turkish Finance Market-Period: 2007-2013

    Directory of Open Access Journals (Sweden)

    Ferhat Sayım

    2015-02-01

    Full Text Available Financial systems and companies has become the most important reason in the weakness of world economic system. The formation and development process of the financial structure also constitutes the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the argument topic in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system which are named participation based banking attention, if the alternative banking systems are considered. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in almost every regulation related to banking terms and get their legal infrastructure more stable in the banking legislation of Turkey.This study is a 2007-2013 part of research series. We try to find out the place and the importance of participation based banking with the various sub-headings especially in Turkey. We examine the comparative review 2007-2013 data of participation banks which Total Assets, Equity Net Profit, Collected Turkish Currency and Foreign Currency Funds and Bank Loan Funds, figures for the four participation banks in Turkey. We are comparing the total figures with deposit banks for the same period.One of our primary aim in this essay, to study in the framework of the alternatives of the financial companies and options. These options could be stated as a vibrant and viable well established choice as a non-western model- different from the classical western interest based leading banking system in the globe. Moreover, that participation banking systems’ grow and increase with its resourceful bulk of transactions and shares within the financial market. In addition, we intended to delineate the basic functioning structures, rules

  1. 12 CFR Appendix A to Part 203 - Form and Instructions for Completion of HMDA Loan/Application Register

    Science.gov (United States)

    2010-01-01

    ... Loan/Application Register A Appendix A to Part 203 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM HOME MORTGAGE DISCLOSURE (REGULATION C) Pt. 203, App. A Appendix A..., numerals, or a combination of both. 2. Date Application Received a. Enter the date the loan application was...

  2. 78 FR 5439 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-01-25

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  3. 78 FR 75344 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-12-11

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  4. 78 FR 54465 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-09-04

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  5. 78 FR 53146 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-08-28

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  6. 78 FR 20317 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-04-04

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  7. 78 FR 50414 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-08-19

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee ] in excess of $100 million (as calculated in accordance with Section 3(c...

  8. 78 FR 8130 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-02-05

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  9. 78 FR 33090 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-06-03

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  10. 78 FR 27236 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-05-09

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  11. 78 FR 44562 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-07-24

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  12. 78 FR 13875 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-03-01

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  13. 78 FR 75563 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-12-12

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  14. 78 FR 67144 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-11-08

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  15. 78 FR 42777 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-07-17

    ... Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... States (``Ex-Im Bank''), that Ex-Im Bank has received an application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with Section 3(c)(10...

  16. 76 FR 50477 - Notice of Availability of the Final Environmental Impact Statement for a Proposed Federal Loan...

    Science.gov (United States)

    2011-08-15

    ... Statement for the DOE Loan Guarantee to Royal Bank of Scotland for Construction and Startup of the Topaz... financing such projects. The Royal Bank of Scotland plc, as Lender-Applicant, with Topaz Solar Farms, LLC... issue a loan guarantee to support construction and startup of the Topaz Solar Farm (Proposed Project...

  17. Technician Consistency in Specular Microscopy Measurements: A "Real-World" Retrospective Analysis of a United States Eye Bank.

    Science.gov (United States)

    Rand, Gabriel M; Kwon, Ji Won; Gore, Patrick K; McCartney, Mitchell D; Chuck, Roy S

    2017-10-01

    To quantify consistency of endothelial cell density (ECD) measurements among technicians in a single US eye bank operating under typical operating conditions. In this retrospective analysis of 51 microscopy technicians using a semiautomated counting method on 35,067 eyes from July 2007 to May 2015, technician- and date-related marginal ECD effects were calculated using linear regression models. ECD variance was correlated with the number of specular microscopy technicians. Technician mean ECDs ranged from 2386 ± 431 to 3005 ± 560 cells/mm. Nine technicians had statistically and clinically significant marginal effects. Annual mean ECDs adjusted for changes in technicians ranged from 2422 ± 433 to 2644 ± 430 cells/mm. The period of 2007 to 2009 had statistically and clinically significant marginal effects. There was a nonstatistically significant association between the number of technicians and ECD standard deviation. There was significant ECD variability associated with specular microscopy technicians and with the date of measurement. We recommend that eye banks collect data related to laboratory factors that have been shown to influence ECD variability.

  18. The Effect of Foreign Bank Presence on Domestic Banks Performance: An Evidence from a Developing Economy

    Directory of Open Access Journals (Sweden)

    Usman Bashir

    2014-04-01

    Full Text Available This study examines the effect of foreign bank presence on the behaviour of domestic banks by using the annual data of 37 commercial banks comprising of 7 foreign and 30 domestic banks for the time period of 2007 to 2011. We investigated how net interest margin, return on assets, overhead costs, cost to income and nonperforming loans are effected by the foreign bank presence. We have used panel regression analysis employing bank specific fixed effect model. As a developing country case, the results suggest that the increase in foreign bank share effects the interest margins and profitability of domestic banks in a decreasing manner. It wouldn't be erroneous to express that foreign banks have a positive effect on the competitive environment of domestic banks increasing overall banking standard in Pakistan, the licensing policies should be further liberalized to let new entrants further improve the domestic financial intermediation system.

  19. Grameen Banks. Digest Number 97-6.

    Science.gov (United States)

    Foote, Elizabeth

    Grameen Banks are a model of successful support for the smallest businesses. The Grameen Bank began in 1976, when Muhammad Yunus, an economics professor at Chittagong University in southern Bangladesh, loaned Sufiya Khatun, a weaver of bamboo stools, $4 U.S. to buy supplies and raise her daily profit from 2 cents to $1.25. Her success prompted…

  20. Macroeconomy and Banks' Profitability in Nigeria

    African Journals Online (AJOL)

    Nneka Umera-Okeke

    2006 from 89 in 2004. This was achieved largely through mergers and acquisitions. The banking industry has also witnessed an exponential growth during post consolidation. Between June 2006 and June 2008 the number of bank branches grew by 54 percent, number of deposit accounts surged by 39 percent, loans and ...

  1. COMPARATIVE ANALYSIS OF CONVENTIONAL AND ISLAMIC BANKING: IMPORTANCE OF MARKET REGULATION

    OpenAIRE

    Cerović, Ljerka; Suljić Nikolaj, Stella; Maradin, Dario

    2017-01-01

    Unlike conventional banks, whose main goal is maximizing profit based on loans, Islamic banks comply with the Islamic law (Shariah), which strictly prohibits the use of interest. Because of this is precise characteristic of Islamic banks, many were skeptical when the first Islamic banks were established, considering that interest-free banking can’t survive. Despite this skepticism, Islamic banks are one of the fastest growing financial industries. Interest-free banking doesn’t meanbanking wit...

  2. Secondary Education in Africa: Strategies for Renewal. World Bank Presentations at the UNESCO/BREDA-World Bank Regional Workshop on the Renewal of Secondary Education in Africa (Mauritius, Africa, December 2001). Africa Region Human Development Working Paper Series.

    Science.gov (United States)

    Mastri, Lawrence, Ed.

    During the last 3 decades secondary education has become universal in most industrialized countries. Sub-Saharan African countries face special challenges to benefit from this international trend. The gap between these countries and the rest of the world in coverage, quality, and relevance of secondary education is widening. To address these…

  3. Credit Risk Management - Loan Approval Process

    Directory of Open Access Journals (Sweden)

    Lulzim Rashiti

    2016-03-01

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

  4. Financial bad loans in Japan`s economy; Kin`yu furyo saiken mondai no genjo

    Energy Technology Data Exchange (ETDEWEB)

    Kadota, O.; Wakabayashi, M. [Central Research Institute of Electric Power Industry, Tokyo (Japan)

    1997-06-01

    This paper describes the bad loan problem, the relation of bad loans with bubble economy, and the features and earlier solution of this time`s bad loans. Moreover, the scale or the organization required for its processings was predicted to investigate the effect of bad loan processing on economy. The scale of financial bad loans in September of 1996 is published to be about 29,000,000,000,000 yen. However, the scale is estimated to be at least 34,000,000,000,000 to 35,000,000,000,000 yen when it is applied to the standard of the Securities and Exchange of Commission in America. It is already five years since the problem turned serious. It is almost the same ratio at the peak in America in 1991. The problem of bad loans is still a heavy burden for Japan`s banks. About 19,000,000,000,000 yen of the bad loans in banks must be disposed on the assumption that land prices falls continuously. It would require two years until through 1999 to finish write-offs for them. The bad loan problem in the financial industries was shifted from the problem in the whole bank to that in each bank by the three laws related to banks or the Tokyo Big Bang. 17 refs., 7 figs., 10 tabs.

  5. Value at risk, bank equity and credit risk

    OpenAIRE

    Broll, Udo; Wahl, Jack E.

    2003-01-01

    We study the implications of the value at risk concept for the bank's optimum amount of equity capital under credit risk. The market value of loans is risky and lognormally distributed. We show that the required equity capital depends upon managerial and market factors. Furthermore, the bank's equity and asset/liability management has to be addressed simultaneously by bank managers.

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

    OpenAIRE

    Aliona SARGO

    2013-01-01

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

  7. DETERMINANT FACTORS OF THE MORTGAGE LOANS DYNAMICS IN ROMANIA

    OpenAIRE

    Luca, Alina

    2012-01-01

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

  8. Mitigating Evidentiary Bias in Planning and Policy-Making Comment on "Reflective Practice: How the World Bank Explored Its Own Biases?"

    Science.gov (United States)

    Parkhurst, Justin

    2016-07-20

    The field of cognitive psychology has increasingly provided scientific insights to explore how humans are subject to unconscious sources of evidentiary bias, leading to errors that can affect judgement and decision-making. Increasingly these insights are being applied outside the realm of individual decision-making to the collective arena of policy-making as well. A recent editorial in this journal has particularly lauded the work of the World Bank for undertaking an open and critical reflection on sources of unconscious bias in its own expert staff that could undermine achievement of its key goals. The World Bank case indeed serves as a remarkable case of a global policy-making agency making its own critical reflections transparent for all to see. Yet the recognition that humans are prone to cognitive errors has been known for centuries, and the scientific exploration of such biases provided by cognitive psychology is now well-established. What still remains to be developed, however, is a widespread body of work that can inform efforts to institutionalise strategies to mitigate the multiple sources and forms of evidentiary bias arising within administrative and policy-making environments. Addressing this gap will require a programme of conceptual and empirical work that supports robust development and evaluation of institutional bias mitigation strategies. The cognitive sciences provides a scientific basis on which to proceed, but a critical priority will now be the application of that science to improve policy-making within those agencies taking responsibility for social welfare and development programmes. © 2017 The Author(s); Published by Kerman University of Medical Sciences. This is an open-access article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/4.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

  9. Mitigating Evidentiary Bias in Planning and Policy-Making; Comment on “Reflective Practice: How the World Bank Explored Its Own Biases?”

    Directory of Open Access Journals (Sweden)

    Justin Parkhurst

    2017-02-01

    Full Text Available The field of cognitive psychology has increasingly provided scientific insights to explore how humans are subject to unconscious sources of evidentiary bias, leading to errors that can affect judgement and decision-making. Increasingly these insights are being applied outside the realm of individual decision-making to the collective arena of policy-making as well. A recent editorial in this journal has particularly lauded the work of the World Bank for undertaking an open and critical reflection on sources of unconscious bias in its own expert staff that could undermine achievement of its key goals. The World Bank case indeed serves as a remarkable case of a global policy-making agency making its own critical reflections transparent for all to see. Yet the recognition that humans are prone to cognitive errors has been known for centuries, and the scientific exploration of such biases provided by cognitive psychology is now well-established. What still remains to be developed, however, is a widespread body of work that can inform efforts to institutionalise strategies to mitigate the multiple sources and forms of evidentiary bias arising within administrative and policy-making environments. Addressing this gap will require a programme of conceptual and empirical work that supports robust development and evaluation of institutional bias mitigation strategies. The cognitive sciences provides a scientific basis on which to proceed, but a critical priority will now be the application of that science to improve policy-making within those agencies taking responsibility for social welfare and development programmes.

  10. Banking Sector of Ukraine: Realities, Tendencies, Prospects

    Directory of Open Access Journals (Sweden)

    Doroshenko Hanna O.

    2014-01-01

    Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.

  11. 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.

  12. Poverty and Hunger: Issues and Options for Food Security in Developing Countries. A World Bank Policy Study.

    Science.gov (United States)

    Reutlinger, Shlomo; And Others

    Food security means access by all people at all times to enough food for an active and healthy life. Available data suggest that more than 700 million people in the developing world lack the food necessary for such a life. No problem of underdevelopment may be more serious or have such important implications for the long-term growth of low-income…

  13. 12 CFR 614.4130 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Funding and discount relationships between Farm... Relationship § 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit... discount loans for, an OFI, as defined in § 611.1205 of this chapter, except pursuant to a general...

  14. 12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Funding and discount relationships between Farm.../Association Lending Relationship § 614.4125 Funding and discount relationships between Farm Credit Banks or... shall not advance funds to, or discount loans for, any direct lender association except pursuant to a...

  15. It’s Time for Green Banking Management in Romania

    Directory of Open Access Journals (Sweden)

    Ioana Florentina Savu

    2012-04-01

    Full Text Available In the current Romanian economic climate banks will have to develop a series of initiativesin order to reduce environmental impact. The article is intended to define banks ecological behaviorand establish the role of non – governmental organizations and banking products in bank’s ecologicalmanagement. It focuses on projects that banks can undertake in partnership with environmentalorganizations such as paper recycling, forestationwith employees - volunteers from the banks,"canvas bag", building solar panels and "sustainability tour". For an appropriate environmentalbehavior, banks should encourage customers to use banking products and services in a friendlyenvironment, opting for green cards, online banking, electronic bank statements, green mortgages,green home equity loans, green commercial buildingsloans or green car loans.

  16. Analisis Penanganan Kredit Bermasalah Bank Cimb Niaga Unit Subrantas Pekanbaru (Kasus Penyaluran Kredit Mikro)

    OpenAIRE

    Farida, Lena; Tamba, Hot Dame

    2016-01-01

    Micro Credit on CIMB Bank Unit Subrantas Pekanbaru is credit which aimed for micro entrepreneurs. The purpose of distribution micro credit is to give help fund for micro entrepreneurs in Pekanbaru for developing their bussiness. Credit distribution is never rid of credit risk, that is Non Performing Loan. Non Performing Loan must be handled as soon as possible in order to not give bank suffer a financial loss because the bank does not receive the distribution fund back. CIMB Niaga Bank Unit S...

  17. Credit Risk Management - Loan Approval Process

    OpenAIRE

    Lulzim Rashiti; Branimir Kalas; Lazar Drec; Nino Stameski

    2016-01-01

    The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper...

  18. Profitability Analysis of Banks An Application on the Turkish Banking Industry

    OpenAIRE

    Gözde Cerci,; Serkan Yilmaz Kandir; Yildirim Beyazit Onal

    2012-01-01

    Aim of this study is to investigate the factors that affect the profitability of commercial banks, operating in Turkey, between January 2003 and May 2010. A multiple linear regression model is used for the econometric analysis. Independent variables include; loan loss provisions to non-performing loans, non-interest expense to net profit, total loans to total deposits and non-interest income to total assets and growth of money supply. Our findings suggest that loans to deposit ratio and non-i...

  19. Türkiye’de Sektörel Banka Kredilerinin Gelişimi: Bir Zaman Serisi Analizi(The Development in Sectoral Bank Loans For Turkey: A Time-Series Analysis

    Directory of Open Access Journals (Sweden)

    Seval MUTLU ÇAMOĞLU

    2012-01-01

    Full Text Available Cash loans used by sectors are important indicators to observe the situations of economics activities, especially in economic crises periods. This study focuses on the evolution and behavior of the credit market in Turkish financial sector the periods of 1999 – 2010. Recently, the perception of the credit market’s importance in understanding many macroeconomic and financial problems has been changing. The main reason is the acknowledgment of the credit market as a key factor in understanding the transmission channels and of monetary policy. Turkish credit market is still in the stage of growth. In order to analyse the behavior of cash loans by economics activity is used Granger causality test and Johansen cointegration analysis. According to the causality analysis, the findings indicate bilateral relationship between reel credit stock and cash loans used by real estate and building sector. Morever, there are statistically significant long-run relationship between reel credit stock and cash loans used by some important sector in Turkey.

  20. Regulatory regimes and bank behavior

    Directory of Open Access Journals (Sweden)

    Seok Weon Lee

    2011-12-01

    Full Text Available The purpose of this paper is to examine how the risk-taking behavior differed between Korean regional banks and national banks for the two different regulatory regimes; a very loose regulation period (1994-1997 and a very tightened regulation period (1998-2005. From the panel analysis over the period 1994-2005, we found that regional banks took riskier strategies than national banks when banking regulations are loose. Moreover, their higher risk-taking contributed to higher profit under the period of loose regulation. However, after the banking regulations were tightened after financial crisis around the late 1990s, this phenomenon disappeared and the tendency of regional banks to take greater risk than national banks was not observed any more. Also, the positive relationship between risk-taking and profitability was not observed either after regulations were tightened. These empirical findings would have the following policy implications. When the economic conditions are good, and therefore, banking regulations are relatively loose, the greater risk-taking of regional banks could be profitable, because regional banks are in a better situation in terms of maintaining their market share based on the close ties with their regional clients, and can be protected from excessive competition with national banks. But, if the economic conditions get worse and financial crisis occurs, and therefore, banking regulations get tightened, regional banks are more adversely and sensitively affected by these shocks than national banks because their size is small and their assets are less diversified than national banks, especially being concentrated on loans to small and medium size business sector and real estate loans, which are very sensitive to the fluctuation of the economy. Furthermore, if these adverse economic and financial shocks continue long, the probability of regional banks to fail would be substantially higher and it can cause a serious damage to

  1. Regression And Time Series Analysis Of Loan Default At Minescho Cooperative Credit Union Tarkwa

    Directory of Open Access Journals (Sweden)

    Otoo

    2015-08-01

    Full Text Available Abstract Lending in the form of loans is a principal business activity for banks credit unions and other financial institutions. This forms a substantial amount of the banks assets. However when these loans are defaulted it tends to have serious effects on the financial institutions. This study sought to determine the trend and forecast loan default at Minescho CreditUnion Tarkwa. A secondary data from the Credit Union was analyzed using Regression Analysis and the Box-Jenkins method of Time Series. From the Regression Analysis there was a moderately strong relationship between the amount of loan default and time. Also the amount of loan default had an increasing trend. The two years forecast of the amount of loan default oscillated initially and remained constant from 2016 onwards.

  2. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  3. External indebtedness of Croatian banks

    Directory of Open Access Journals (Sweden)

    Antun Jurman

    2005-06-01

    Full Text Available The paper analyses the main characteristics of the foreign assets and foreign liabilities of the banks that to a great extent include credit and deposit activities with non-residents – foreign physical persons and legal entities, mostly with foreign banks. The author in this paper analyses the size and trends of the Republic of Croatia’s external debt with regard to gross domestic product, import, export, international reserve of the Croatian National Bank (HNB, etc. The author also discusses external debt of the banks that have, during the past few years, contributed substantially to the overall external debt of the Republic of Croatia. The autor points out that the banks have used foreign sources mainly for placing citizens’ loans, and less for financing development projects and economy. Thus, the banks have “spent”, i.e. used up their credit capacity as well as the credit capacity of the Republic of Croatia. Regardless of the fact that the banks have improved the quality of their assets, maintained liquidity/solvency and made extremely good profits, there have not been positive effects of the multiplication of credits/loans and deposits nor have there been the awaited effects on the growth of the gross domestic product and employment that otherwise might have been achieved via different foreign resources investment policy

  4. Does bank ownership affect relationship lending: A developing country perspective

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-05-01

    Full Text Available In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks and foreign banks - can affect relationship lending to small and medium enterprises (SMEs by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants. Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks.

  5. The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

    Directory of Open Access Journals (Sweden)

    Dr. Irwan Ch

    2017-06-01

    Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

  6. Decomposing the U.S. Great Depression: How important were Loan Supply Shocks?

    OpenAIRE

    Breitenlechner, Max; Scharler, Johann

    2017-01-01

    We evaluate contributions of exogenous loan supply shocks to output dynamics during the Great Depression. Based on a structural VAR, we impose sign restrictions to identify loan supply shocks in addition to standard macroeconomic shocks. Our results indicate that the banking panics that occurred in the early 1930s were associated with negative loan supply shocks, supporting the view that disruptions in financial intermediation contributed significantly to the severity of the Great Depression.

  7. Pengaruh Cost Inefficiency, Capitalization, Diversification, Size, dan, Profitability terhadap Loan Quality

    OpenAIRE

    Turnip, Melisa; Taswan

    2016-01-01

    This study aims about loan quality determinants. Loan quality is determinant which used know health of bank. Bigand small of cost inefficiency and CAR can influance loan quality. The fundamental factors which used in this studycost inefficiency, CAR, diversification, size, and profitability. This study sampled using a pusposive sampling andobtain data of 123 samples. This study is not free from the normality test but free from the classical assumptiontest.These result indicate that cost ineff...

  8. Loan managers' decisions and trust in entrepreneurs in different institutional contexts

    DEFF Research Database (Denmark)

    Moro, Andrea; Fink, Matthias; Maresch, Daniela

    2018-01-01

    Loan managers’ trust in entrepreneurs can be a useful tool for overcoming entrepreneurial firms’ opaqueness. Nevertheless, the possibility for loan managers to leverage trust can be affected by differences in the regulative institutions within the banks (type of bank) and by place-bound normative...... institutions (social context). By relying on semi-structured interviews and a survey of 450 bank-entrepreneur relationships, this study finds that a positive impact of trust in lending relationships is sensitive to different place-bound normative institutions and to the regulative institutions within the banks...

  9. Home loan profitability optimisation in the financial industry / by Sias Heyns

    OpenAIRE

    Heyns, Sias

    2007-01-01

    Product profitability needs to remain a competitive advantage to a bank's home loan product. Ever changing customer needs and even more demanding customers today enforce reasons to investigate the profitability of home loans. Other aspects to consider includes transfer pricing, ROA, cost to deliver product to market areas (marketing and distribution cost) and break-even period. Banks are facing immense challenges to achieve sustainable profitability. Historically low interest rates are compre...

  10. 38 CFR 11.83 - Additional loans by reason of 50 percent loan value.

    Science.gov (United States)

    2010-07-01

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

  11. ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Florin Alexandru LUCA

    2016-06-01

    Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.

  12. Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

    Directory of Open Access Journals (Sweden)

    Muhamad Abduh

    2008-01-01

    Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

  13. Financial Stability of Islamic and Conventional Banks in Saudi Arabia: a Time Series Analysis

    OpenAIRE

    Hassan Ghassan; Stefano Fachin; Abdelkarim Guendouz

    2013-01-01

    Islamic banks are characterised by the compliance to Islamic laws and practices, the main ones being the prohibition of interest and loans trading. Remarkably, during the 2008-2009 financial crisis, when a large number of conventional banks have announced bankruptcy, no single Islamic bank failure has been reported. However, there is no clear consensus in the literature on question of whether Islamic banks are more or less stable than conventional banks. We study a sample of Saudi banks over ...

  14. Islamic banking

    OpenAIRE

    Němec, Jan

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  15. Retail Banking

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-07-01

    Full Text Available The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one trends, especially household deposits and credits and last retail banking in particular banks.

  16. PENGARUH NET INTEREST MARGIN (NIM, BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO, LOAN TO DEPOSIT RATIO (LDR DAN NON PERFORMING LOAN (NPL TERHADAP RETURN ON ASSETS (ROA

    Directory of Open Access Journals (Sweden)

    Muhammad Ali

    2017-09-01

    Abstrak. Penelitian ini bertujuan untuk mengetahui besarnya pengaruh Net Interest Margin (NIM, Biaya Operasional/Pendapatan Operasional (BOPO,  Loan to Deposit Ratio (LDR, dan  Non Performing Loan (NPL terhadap Return On Assets (ROA pada Bank Umum Milik Negara (Bank BNI, Bank Mandiri, Bank BTN, dan Bank BRI periode 2003-2015. Penelitian ini menggunakan data sekunder yang diperoleh melalui dokumen berupa laporan keungan tahunan. Desain penelitian ini menggunakan analisis asosiatif, yaitu analisis regresi berganda. Hasil penelitian menunjukkan  bahwa secara parsial, Net Interest Margin (NIM, Biaya Operasional/Pendapatan Operasional (BOPO, dan  Loan to Deposit Ratio (LDR berpengaruh terhadap Return On Assets (ROA. Sedangkan Non Performing Loan (NPL tidak berpengaruh terhadap Return On Assets (ROA. Secara simultan, hasil penelitian menunjukkan bahwa Net Interest Margin (NIM , Biaya Operasional/Pendapatan Operasional (BOPO,  Loan to Deposit Ratio (LDR, dan  Non Performing Loan (NPL berpengaruh terhadap Return On Assets (ROA. Kata Kunci: BOPO; LDR; NIM; NPL; ROA.

  17. Bank Ownership, Characteristics and Performance: A Comparative Analysis of Domestic and Foreign Islamic Banks in Malaysia

    OpenAIRE

    Fadzlan SUFIAN; Abdul Majid, Muhamed Zulkhibri

    2007-01-01

    The paper investigates the performance of Malaysian Islamic banking sector during the period of 2001-2005. Several efficiency estimates of individual banks are evaluated using non-parametric Data Envelopment Analysis (DEA). Two different approaches have been employed to differentiate how efficiency scores vary with changes in inputs and outputs. The analysis links the variation in calculated efficiencies to a set of variables, i.e. bank size, ownership, capital, non-performing loans and manag...

  18. A Survey Study on Customer Experience in Banking Cash Management Products and, Participation Banking Example

    OpenAIRE

    DİRİCAN, Cüneyt

    2016-01-01

    Banking as a safe bridge of risk management balances relation between deposit and loan. In the growing trend of interest-free banking Turkey practice, Participation Banking is working to fix the expectations of customers with reasonable solutions. For corporate customers with comprehensive cash management expectations, producing appropriate and fast solutions are important for a positive and sustainable customer experience. Cash Management covers collection of trade receivables and short -ter...

  19. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

    Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

  20. Determinants Of European Banks' Capital Adequacy / Determinanty Adekwatności Kapitałowej Banków Europejskich

    National Research Council Canada - National Science Library

    Emilia Klepczarek

    2015-01-01

    .... The findings confirm the hypothesis about the impact of bank size and the risk indicators (risk-weight assets to total assets ratio and the share of loans in total assets) on banks’ capital adequacy...

  1. ANALISIS PERJANJIAN KREDIT USAHA KECIL ANTARA BANK DAN PENGUSAHA

    Directory of Open Access Journals (Sweden)

    Marindowati Marindowati

    2016-02-01

    Full Text Available Common business activities carried out by the bank for investments under its management, including various types of loans, among others. Investments in the form of credit is the main activity of a bank, because most of the income comes from lending banks. Provision of credit facilities by banks will help entrepreneurs in developing and improving their business, which in turn is expected to boost national economic growth.Keywords: Credit Agreement, Small Business

  2. The Stability-Concentration Relationship in the Brazilian Banking System

    OpenAIRE

    Benjamin Miranda Tabak; Solange Maria Guerra; Eduardo José Araújo Lima; Eui Jung Chang

    2007-01-01

    In this article the relation between non-performing loans (NPL) of the Brazilian banking system and macroeconomic factors, systemic risk and banking concentration is empirically tested. While evaluating this relation, we use a dynamic specification with fixed effects, using a panel data approach. The empirical results indicate that the banking concentration has a statistically significant impact on NPL, suggesting that more concentrated banking systems may improve financial stability. These r...

  3. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

    Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

  4. Kansas Interlibrary Loan Study.

    Science.gov (United States)

    Kansas State Library, Topeka.

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

  5. Asset quality in a crisis period: An empirical examination of Ghanaian banks

    Directory of Open Access Journals (Sweden)

    Abdul Latif Alhassan

    2014-01-01

    Full Text Available This paper examines the factors that account for the deterioration in the asset quality of Ghanaian banks during a period of financial crises using a unique dataset on 25 banks from 2005 to 2010. Based on system Generalized Method of Moments estimations, we find that the persistence of non-performing loans in addition to loan growth, bank market structure, bank size, inflation, real exchange rate and GDP growth are the significant determinants of banks asset quality in Ghana. The findings have implications for both bank management and regulators in emerging economies.

  6. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  7. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

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

  8. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  9. Privatization of health services in less developed countries: an empirical response to the proposals of the World Bank and Wharton School.

    Science.gov (United States)

    Waitzkin, Howard; Jasso-Aguilar, Rebeca; Iriart, Celia

    2007-01-01

    Academics and World Bank officials argue that, by reducing out-of-pocket expenditures, expanded private insurance may improve access to needed health services in less developed countries. In this empirical response, the authors examine this recommendation through observations from their research on privatization of health services in the United States, Argentina, Chile, and Mexico. Privatization, either through conversion of public sector to private sector insurance or by expansion of private insurance through enhanced participation by corporate entrepreneurs, generally has not succeeded in improving access to health services for vulnerable groups. Although the impact of privatization has differed among the Latin American countries studied, expansion of private insurance often has generated additional co-payments, which have increased rather than decreased out-of-pocket expenditures, thereby worsening access to needed services. Privatization usually has improved conditions for private corporations and has led to higher administrative costs. To address the devastating problems of access to services worldwide, we must find ways to enhance the delivery of public sector services and must move beyond conventional wisdom about market-based policies such as privatization.

  10. Sterol composition of virgin olive oil of forty-three olive cultivars from the World Collection Olive Germplasm Bank of Cordoba.

    Science.gov (United States)

    Kyçyk, Onejda; Aguilera, Maria Paz; Gaforio, José Juan; Jiménez, Antonio; Beltrán, Gabriel

    2016-09-01

    In olive oil, sterols constitute the majority of the unsaponifiable fraction. In recent years there has been increased interest in the sterols of olive oil for their health benefits and their importance to virgin olive oil (VOO) quality regulation. Forty-three olive (Olea europaea L.) cultivars from the World Olive Germplasm Bank, IFAPA Centro 'Alameda de Obispo', Cordoba, Spain were studied for their oil sterol composition and total content. The main sterols found in olive oil were β-sitosterol, Δ(5) -avenasterol, campesterol and stigmasterol, most of them showing high variability. Most cultivars showed total sterol contents within the limits established by EU regulations, although 28% of VOOs analysed were outside the limits established for total content and/or for individual sterols. Over the group of cultivars, total sterol contents ranged from 855 to 2185 mg kg(-1) . The high variability observed was due to the genetic component, since other agronomic and technological factors were similar. Because of the high variability, the sterol fraction can be considered as a useful tool to characterize and discriminate monovarietal VOOs. The results can be useful for nutritionists for VOO inclusion in nutrition studies. Furthermore, the variability observed can be applied in olive breeding projects to select the parents of new olive cultivars with an improved sterol fraction. © 2016 Society of Chemical Industry. © 2016 Society of Chemical Industry.

  11. The Latest Results from the Focal L-Band Array for the Green Bank Telescope (FLAG), the World's (Current) Most Sensitive Phased Array Feed

    Science.gov (United States)

    Pingel, Nickolas; Pisano, D. J.

    2018-01-01

    Phased Array Feeds (PAFs) represent the next revolution in radio astronomy instrumentation. I will present results from the latest commissioning run from the Focal L-Band Array for the Green Bank telescope (FLAG), which holds the current world record for PAF sensitivity. Since we are able to operate at system temperatures comparable with the traditional GBT single pixel L-Band feed, the increase in the field-of-view provided by the beamforming capabilities of PAFs results in a dramatic (a factor of 5) increase in survey speeds. In particular, FLAG can probe similar neutral hydrogen column density regimes over a 4 sq. deg region in 24.6 minutes as opposed to 4.1 hours in an equivalent single pixel map (excluding observing overhead). In addition to comparisons between data taken with FLAG and the single-pixel L-Band feed, I will also discuss the technical aspects of the observing procedure, data reduction, and the transition path for FLAG from an instrument that is principle-investigator run to one that is general use. These FLAG results provide a very encouraging outlook on how the GBT will continue to compete with current and planned radio telescope facilities.

  12. 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.

  13. Analisis Kesehatan Bank Umum di Indonesia

    OpenAIRE

    Affandi, Ismi

    2011-01-01

    The purpose of this study is to determine and analyze the influence of the ratios of bank soundness CAMEL consisting of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses/Operating Income (BOPO), Loan to Deposit Ratio (LDR), Statutory Reserves (GWM), Return on Risk Assets (RORA), Current Debt compared with Long-Term Debt (CL/LTL) and Net Interest Margin (NIM) on the growth of earnings in banking industry which is regis...

  14. ROMANIAN BANKING SYSTEM: THE DEGREE OF FINANCIAL INTERMEDIATION AFTER THE FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Mihaita-Cosmin POPOVICI

    2014-12-01

    Full Text Available In this paper we analyze the evolution of the Romanian banking system after the 2007 financial crisis and the country`s accession to the European Union. The first part analyzes the main elements of the banking system: ownership structure, number of employees and banking units, loans and non-performing loans. The second part analyzes the level of financial intermediation of the banking system. The results showed that majority of the capital is private and foreign, the top five banks held over half of the bank assets, number of employees decreased due to the crisis and non-performing loans share had increased by over nine times. Romanian banking system have a low degree of financial intermediation, but the new developments of the EU banking systems proved that it can be a strong point.

  15. What determines return risks for bank equities in Turkey?

    Directory of Open Access Journals (Sweden)

    Emre Ozsoz

    2014-03-01

    Full Text Available By using data from thirteen publicly traded commercial and deposit banks this paper estimates the determinants of market risk for banks' equities in the case of an emerging market economy, Turkey. The analysis reveals that maturity composition of banks' loans, share of trading income in banks' overall revenue stream and its foreign-ownership structure are important indicators of the volatility of its equity returns. Banks with shorter loan maturity positions are regarded by investors as safer companies to invest in while increases in trading income as a source of banks' overall revenue increases the volatility of its equity returns. Foreign ownership of a bank also lowers its equity return risk.

  16. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

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

  17. Item Banking.

    Science.gov (United States)

    Rudner, Lawrence

    1999-01-01

    Discusses the advantages and disadvantages of using item banks while providing useful information to those who are considering implementing an item banking project in their school district. The primary advantage of item banking is in test development. Also describes start-up activities in implementing item banking. (SLD)

  18. Determinants of Iranian bank profitability

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-04-01

    Full Text Available Banks are the most important tool for preparing and supplying money in each country. In recent years, by institution of the new private banks and privatization of the governmental banks, banking competition has become very complex. This paper performs an empirical investigation to study the effects of different factors on return on assets and return on equities on 18 selected Iranian firms over the period 2002-2011. Using different regression models, the study studies the effects of total assets, debt ratio, etc. on return of assets (ROA and return on equities (ROE on selected eighteen Iranian banks as statistical community. The study considers total assets, ownership ratio, deposits to assets ratio, and loans to assets ratio as independent variables, and ROE and ROA as dependent variables. The results indicate that the private banks returns were better than governmental banks and the commercial banks’ returns were better than special banks. There is a reverse relationship between logarithm of total assets and ownership ratio with profitability based on return of assets.

  19. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  20. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Science.gov (United States)

    2010-01-01

    ... restructure a loan? 617.7415 Section 617.7415 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM... plan and cash flow analysis, taking into account income from all sources to be applied to the debt and...; averages in the county where the farming operation is located, based on data from United States Department...

  1. Does Basel II affect the market valuation of discretionary loan loss provisions?

    NARCIS (Netherlands)

    Hamadi, Malika; Heinen, Andreas; Linder, Stefan; Porumb, Vlad-Andrei

    2016-01-01

    We use a sample of banks from 24 European countries to investigate whether the adoption of the Basel II Capital Accord in 2008 affects the market valuation of discretionary loan loss provisions (DLLPs). Although Basel II lowers the incentives of internal ratings-based (IRB) banks to recognize income

  2. Islamic banking

    OpenAIRE

    Логвинова, М. В.; Хоменкова, Д. Д.

    2016-01-01

    The prohibition of interest is the feature of Islamic banking which most distinctly sets it apart from conventional banking. To Western eyes, this seems a strange restriction, but Christian countries themselves maintained such a ban for 1,400 years. Islamic Banking asks why Islam has been able to maintain its stand. The book explores the intricacies of Islamic law and the religious and ethical principles underpinning Islamic banking. It then considers the analytical basis of Islamic banking a...

  3. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

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

  4. 78 FR 22260 - Sub-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank...

    Science.gov (United States)

    2013-04-15

    ...-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank); Notice of Open Special Meeting SUMMARY: The Sub-Saharan Africa Advisory Committee was established by Public Law... Africa under the loan, guarantee, and insurance programs of the Bank. Further, the Committee shall make...

  5. Genetic structure and core collection of the World Olive Germplasm Bank of Marrakech: towards the optimised management and use of Mediterranean olive genetic resources.

    Science.gov (United States)

    Haouane, Hicham; El Bakkali, Ahmed; Moukhli, Abdelmajid; Tollon, Christine; Santoni, Sylvain; Oukabli, Ahmed; El Modafar, Cherkaoui; Khadari, Bouchaib

    2011-09-01

    The conservation of cultivated plants in ex-situ collections is essential for the optimal management and use of their genetic resources. For the olive tree, two world germplasm banks (OWGB) are presently established, in Córdoba (Spain) and Marrakech (Morocco). This latter was recently founded and includes 561 accessions from 14 Mediterranean countries. Using 12 nuclear microsatellites (SSRs) and three chloroplast DNA markers, this collection was characterised to examine the structure of the genetic diversity and propose a set of olive accessions encompassing the whole Mediterranean allelic diversity range. We identified 505 SSR profiles based on a total of 210 alleles. Based on these markers, the genetic diversity was similar to that of cultivars and wild olives which were previously characterised in another study indicating that OWGB Marrakech is representative of Mediterranean olive germplasm. Using a model-based Bayesian clustering method and principal components analysis, this OWGB was structured into three main gene pools corresponding to eastern, central and western parts of the Mediterranean Basin. We proposed 10 cores of 67 accessions capturing all detected alleles and 10 cores of 58 accessions capturing the 186 alleles observed more than once. In each of the 10 cores, a set of 40 accessions was identical, whereas the remaining accessions were different, indicating the need to include complementary criteria such as phenotypic adaptive and agronomic traits. Our study generated a molecular database for the entire OWGB Marrakech that may be used to optimise a strategy for the management of olive genetic resources and their use for subsequent genetic and genomic olive breeding. © The Author(s) 2011. This article is published with open access at Springerlink.com

  6. Summary of World Bank Report.

    Science.gov (United States)

    Comparative Education Review, 1989

    1989-01-01

    Identifies the main educational issues in Africa today as stagnation of enrollments and erosion of quality. Outlines policy strategies involving adjustment to demographic and fiscal realities, revitalization of the educational infrastructure, and selective expansion of services. Discusses the role of the international donor community. (SV)

  7. Unconventional Monetary Policy and bank supervision

    OpenAIRE

    Gieck, Jana; Traczyk, Adam

    2013-01-01

    This paper studies the impact of unconventional monetary policy on the economy and its interactions with bank supervisory rules. In particular, we look at the impact of liquidity injections (quantitative easing) and repurchases of impaired loans (qualitative easing) under increased capital requirements for banks. We show that quantitative easing is most effective in terms of reducing losses in GDP and consumption which occur after a financial shock but leads to high fluctuation...

  8. Credit risk assessment model for Jordanian commercial banks: Neural scoring approach

    Directory of Open Access Journals (Sweden)

    Hussain Ali Bekhet

    2014-01-01

    Full Text Available Despite the increase in the number of non-performing loans and competition in the banking market, most of the Jordanian commercial banks are reluctant to use data mining tools to support credit decisions. Artificial neural networks represent a new family of statistical techniques and promising data mining tools that have been used successfully in classification problems in many domains. This paper proposes two credit scoring models using data mining techniques to support loan decisions for the Jordanian commercial banks. Loan application evaluation would improve credit decision effectiveness and control loan office tasks, as well as save analysis time and cost. Both accepted and rejected loan applications, from different Jordanian commercial banks, were used to build the credit scoring models. The results indicate that the logistic regression model performed slightly better than the radial basis function model in terms of the overall accuracy rate. However, the radial basis function was superior in identifying those customers who may default.

  9. Liquidity Risk Sensitivity of Czech Commercial Banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2014-01-01

    Full Text Available The recent financial crisis has shown that a liquidity risk plays an important role in the current developed financial system. One of the efficient tools of liquidity risk management is stress testing which can show banks their potential vulnerability to liquidity shocks. The aim of this paper is therefore to measure the liquidity risk sensitivity of Czech commercial banks and to find out the most severe scenario and the most vulnerable bank. Our sample included significant part of the Czech banking sector; we used unconsolidated balance sheet data over the period from 2000 to 2011 which were obtained from annual reports of Czech banks. We have evaluated liquidity risk of each bank in the sample via six different liquidity ratios. Then we stressed these baseline values in three stress scenarios: run on a bank (simulated by a 20% withdrawal of deposits, confidence crisis on the interbank market (simulated by a withdrawal of 20% of interbank deposits and use of committed loans by counterparties (simulated by a 5% increase of loans provided to nonbank clients. We measured the impact of all scenarios by relative change of liquidity ratios. The impact of modelled liquidity shocks differs among scenarios. The most serious liquidity problems would be caused by the first scenario – run on a bank. The negative influence of third scenario (use of committed loans is less severe. The confidence crisis on the interbank market would not affect bank liquidity at all. The results also show that the severity of the impact of all scenarios worsens in periods of financial distress. We have also found that large and medium sized banks are most vulnerable to liquidity shocks, mainly to massive deposit withdrawals.

  10. Reserve requirements and double Bertrand competition among banks

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda

    The paper considers a model of double Bertrand competition among banks, in which banks compete for deposits as well as loans. It is shown that the introduction of reserve requirements can have an effect on the existence and efficiency properties of Nash equilibria of this model. This provides a new

  11. Real interest rates, leverage, and bank risk-taking

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Laeven, L.; Marquez, R.

    2014-01-01

    Do low interest rate environments lead to greater bank risk-taking? We show that, when banks can adjust their capital structures, reductions in real interest rates lead to greater leverage and higher risk for any downward sloping loan demand function. However, if the capital structure is fixed, the

  12. Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

    Directory of Open Access Journals (Sweden)

    Muhammad Imaduddin

    2008-08-01

    Full Text Available This study aims to analyze the determinants of Islamic banking credit default compared with conventional banking in Indonesia. This study utilized timeseries analysis, by which ordinary least square method is adopted. 40 monthly data observations from January 2003 until April 2006 are used. The study is divided into two models, namely Islamic banking model and conventional banking model. The values of non-performing financing (NPF in Islamic banking and non-performing loan (NPL in conventional banking are treated as the dependent variables. The results showed that two-month lagged of non-performing financing (NPF, total asset (ASSET, the amount of thirdparty-funds (TPF, one-month lagged of total financing (DFIN, and growthof gross-domestic product (GDPG variables have significant impact to the ratio of non-performing financing (NPF in Islamic banking. Meanwhile, the three-month lagged of non-performing loan (DDDNPL, total asset (CASSET, three-month as well as two-month period lagged of total loan (DDDCRED and DDCRED, inter-bank money market (PUAB, and growth of gross-domestic (GDPG are significant to influence the ratio of non-performing loan (NPL in conventional banking. The result also implied that the general election in 2004 had a significant influence to the ratio of non-performing financing (NPF in Islamic banking.Even tough from the outset, it seems Islamic banking has a better performance than conventional banking by having a relatively low NPF, this study, however, has found the opposite. Albeit, Islamic banking showing a good long-runas well as short-run dynamics among all variables in the beginning, after modifying the model into autoregressive in the main analysis, results showed that conventional banking has a better performance than Islamic banking with higher correlation of determination. In this regard, we cannot assume thatIslamic banking is performing poorly in managing credit default problems. This is because the result

  13. Time Series Analysis of Financial stability of banks: Evidence from Saudi Arabia

    OpenAIRE

    Hassan, Ghassan; Stefano, Fachin

    2014-01-01

    Islamic banks are characterized by their compliance to Islamic laws and practices, primarily the prohibition of interest and the trading of loans. During the 2008–2009 financial crisis, when a large number of conventional banks announced bankruptcy, no Islamic bank failures were reported. However, there is no clear consensus in the literature on the question of whether Islamic banks are more or less stable than conventional banks. To shed some light on this issue, we studied a sample of Saudi...

  14. Performance and regulatory effects of non-compliant loans in German synthetic mortgage-backed securities transactions

    OpenAIRE

    Trinkaus, Gaby

    2010-01-01

    Over the term of a securitization transaction, the concept of non-compliance allows a securitizing bank to classify a securitized loan as materially non-compliant with certain transaction requirements. Such a loan becomes unqualified for loss allocation. Therefore, non-compliant loans can directly affect transaction performance and the extent of risk transfer achieved with the transaction. The concept of non-compliance is incorporated in many securitizations independent of the underlying asse...

  15. Mathematical model of the loan portfolio dynamics in the form of Markov chain considering the process of new customers attraction

    Science.gov (United States)

    Bozhalkina, Yana

    2017-12-01

    Mathematical model of the loan portfolio structure change in the form of Markov chain is explored. This model considers in one scheme both the process of customers attraction, their selection based on the credit score, and loans repayment. The model describes the structure and volume of the loan portfolio dynamics, which allows to make medium-term forecasts of profitability and risk. Within the model corrective actions of bank management in order to increase lending volumes or to reduce the risk are formalized.

  16. CROSS-COUNTRY STUDY ON THE DETERMINANTS OF BANK FINANCIAL DISTRESS

    Directory of Open Access Journals (Sweden)

    Zhen-Jia-Liu

    2015-08-01

    Full Text Available Bank failures affect owners, employees, and customers, possibly causing large-scale economic distress. Thus, banks must evaluate operational risks and develop early warning systems. This study investigates bank failures in the Organization for Economic Co-operation and Development, the North America Free Trade Area (NAFTA, the Association of Southeast Asian Nations, the European Union, newly industrialized countries, the G20, and the G8. We use financial ratios to analyze and explore the appropriateness of prediction models. Results show that capital ratios, interest income compared to interest expenses, non-interest income compared to non-interest expenses, return on equity, and provisions for loan losses have significantly negative correlations with bank failure. However, loan ratios, non-performing loans, and fixed assets all have significantly positive correlations with bank failure. In addition, the accuracy of the logistic model for banks from NAFTA countries provides the best prediction accuracy regarding bank failure

  17. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  18. 78 FR 8129 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-02-05

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in...

  19. 78 FR 69414 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-11-19

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100 Million... long-term loan or financial guarantee in excess of $100 million (as calculated in accordance with...

  20. 77 FR 74010 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2012-12-12

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  1. 78 FR 23763 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-04-22

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  2. 78 FR 21948 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-04-12

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  3. 78 FR 1211 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-01-08

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  4. 78 FR 78955 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-12-27

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... application for final commitment for a long-term loan or financial guarantee in excess of $100 million (as...

  5. 78 FR 56227 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-09-12

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  6. 78 FR 59688 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-09-27

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in...

  7. 78 FR 76614 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-12-18

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  8. 78 FR 42776 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-07-17

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  9. 77 FR 74846 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2012-12-18

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  10. 78 FR 16675 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-03-18

    ... From the Federal Register Online via the Government Publishing Office ] EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  11. 78 FR 16852 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-03-19

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  12. 78 FR 2673 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-01-14

    ... From the Federal Register Online via the Government Publishing Office ] EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... final commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in...

  13. 78 FR 69850 - Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of $100...

    Science.gov (United States)

    2013-11-21

    ... From the Federal Register Online via the Government Publishing Office EXPORT-IMPORT BANK OF THE UNITED STATES Application for Final Commitment for a Long-Term Loan or Financial Guarantee in Excess of... commitment for a long-term loan or financial guarantee in excess of $100 million (as calculated in accordance...

  14. Impact of Credit Restructuring on the Quality of Bank Asset Portfolio. A Cluster Analysis Approach

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2011-06-01

    Full Text Available In this paper we proposed an analysis of the financial crisis impact on the procedures formanagement of loan portfolios in several banking systems. Despite ample liquidity injectionprograms implemented by major central banks and government actions, credit risk remains a keychallenge of the current banking systems. On a medium term, the high percentage of bad loans hasbecome a structural vulnerability. To maintain an acceptable quality of loan portfolios and not todamage the prudential and profitability indicators, credit institutions in EU member states haveproceeded to apply various techniques for credit restructuring. The quantitative analysis carried out inthe last part of the paper revealed a relatively moderate granularity of banking systems considered, interms of capitalization, volume of bank reserves and net provisions, in response to the persistent trendof loan portfolio deterioration.

  15. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...

  16. Credit Risk Management and Interest Income of Banks in Nigeria

    Directory of Open Access Journals (Sweden)

    Fapetu, Oladapo

    2017-06-01

    Full Text Available This study examines the impact of credit risk on the interest income of banks in Nigeria between the period of 2000 and 2014. Unbalanced panel data analysis was used to estimate the model with unit root test, Breusch Pagan test, trend analysis, descriptive statistics, Perasan CD Test, heteroskedasticity test, heterogeneity test, serial correlation test, Jarquebera, F-statistics, random effect, fixed effect, time effect, Prob value, Hausman test and rho as the estimation parameters. The study discovered that NPL, LLP and LA are statistically significant in explaining the variation in interest income across banks in Nigeria, while LA/TD is not statistically significant in explaining the variation in interest income across banks in Nigeria. Based on this, the study recommends that regular update of credit policy and adequate measures to monitor loans should be put in place by banks in Nigeria, as these measures will reduce bad loans and ultimately cause a reduction in loan loss provisions.

  17. What are the determinants of the number of bank relations of Japanese firms?

    NARCIS (Netherlands)

    Sterken, Elmer; Tokutsu, Ichiro

    2002-01-01

    We explore the determinants of the number of bank relations of listed Japanese firms in a unique data set covering 1982-1999. Japanese firms had about 7 long-term and 8 short-term bank loan relations on average. We present a statistical description of the bank relations in terms of size, financing

  18. THE POLICY OF THE EXCHANGE RATE PROMOTED BY NATIONAL BANK OF ROMANIA AND ITS IMPLICATIONS UPON THE FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    Chifane Cristina

    2010-12-01

    Full Text Available The more profound world economic crisis has strongly marked the evolution of the Romanian financial system. The size of current account deficit, the relatively high external financing needs and the dependence of the banks on it, the high ratio between loans in foreign currency and deposits in foreign currency made of the Romanian economy, a risky destination for investors. In these conditions, since the end of 2008 and throughout 2009, the government's economic program was focused on reducing the external deficit in both public and private sector, on minimizing the effects of recession, on avoiding a crisis of the exchange rate and on cooling the inflationary pressures.

  19. ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

    Directory of Open Access Journals (Sweden)

    Gatot Nazir Ahmad

    2014-04-01

    Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

  20. Determinants of bank profitability: evidence from CreditCoop

    OpenAIRE

    Ioana-Raluca DIACONU; Oanea, Dumitru-Cristian

    2014-01-01

    Co-operative banks were not analyzed in great detail in the literature compared to credit unions or even commercial banks. Through this paper we want to identify the main determinants of CreditCoop profitability, determinants: internal determinants (result of bank management) and external determinants (macroeconomic and industry variables). We found that the loan to assets ratio and equity to assets ratio have the highest and significant impact over the CreditCoop profitability. Moreover, we ...