Gender inequality is at the core of the HIV patterns that are evident in sub-Saharan Africa. Gender-based violence (GBV) and lack of economic opportunity are important structural determinants of HIV risk. We piloted a microfinance and health promotion intervention among social networks of primarily young men in Dar es Salaam. Twenty-two individuals participated in the microfinance component and...

The aim of this paper is to present a model based on Multilayer perceptron neural networks to recognize bad or good credit customers. Credit risk is one of the major problems in banking sector. Banks are faced with credit Risk while doing their tasks. Credit risk is the probability of non-repayment of bank loan granted to lenders. Decreasing Credit Risk, banks may perform better duties and resp...

Data processing can sometimes require complex logic to match and rank record associations across events. This paper presents an efficient solution to generating these complex associations using the DATA step and data hash objects. The solution applies to multiple business needs including subsequent purchases, repayment of loan advance, or hospital readmits. The logic demonstrates how to constru...

Education loan is a magical solution to address the education financing crises. It bridges gap between accessibility and sustainability but incidents of defaults in repayment are on rise. The Present study covers various theories has been thoroughly analysed understand factors which influence intention student repay loan. A comprehensive theoretical framework designed by reviewing literatures i...

Using a unique sample of Chinese bank loans over the period 2007-2012, we analyze the repayment decisions of borrowing firms whose cash holdings are high enough to cover the maturing loans. We find that at the firm level weak legal enforcement increases the likelihood for these firms to default on its loan obligations. The impact of legal enforcement becomes stronger when firms face tighter fin...

I quantify the effects of alternative student loan policies on college enrollment, borrowing behavior, and default rates in a heterogeneous model of life-cycle earnings and human capital accumulation. I find that the combination of learning ability and initial stock of human capital drives the decision to enroll in college, while parental wealth has minimal effects on enrollment. Repayment flex...

This paper develops and structurally estimates a life cycle model of optimal college investment with risk in degree completion and labor earnings. I argue that low income children’s stronger precautionary saving motive, which is due to their parents’ inferior capacity to insure them against college investment risk, impedes their college attendance. I construct a dynamic non-cooperative game to ...