I received much help in composing this solution set from Yoav Kerner, Binyamin Oz and Liron Ravner. Credit is given when due next to the appropriate questions. I am indebted to all three of them.

Many decisions involve future consequences. Although research in incentive theory, delay of gratification, and impulse control has demonstrated preferences for more immediate consequences, very little research has been done on the discounting process underlying the evaluation of delayed consequences. The present studies were designed to assess the subjective values of investments and credit pla...

Evidences show that besides their incredible performance, private BitTorrent communities which employ credit-based contribution incentives can also confront with system seize-up. Although the sustainability of these communities can be established in a wide range of system parameters, it is still not fully understood under what initial conditions can this be assured. In this paper, with the usag...

On August 8, 2005, the Energy Policy Act of 2005 (EPAct 2005) increased the Section 48 investment tax credit (ITC) for commercial photovoltaic (PV) systems from 10% to 30% of the project’s “tax credit basis” (i.e., the dollar amount to which the ITC applies), and also created in Section 25D of the Internal Revenue Code a new 30% ITC (capped at $2,000) for residential solar systems. Both changes...

The formulation of the problem in this thesis is whether there an effect using funds to increase profit micro business customers PT. Bank Bukopin Medan Setia Budi Branch, any amount credit on increasing burden procedure Branch. This study aims determine use funds, credit, burden, and procedures type research associative with a quantitative approach. sample amounted 69 KUR from analysis techniqu...

We study the effects of usury limits on the market for auto loans and find little evidence of credit rationing. We show instead that loan contracting and the organization of the loan market adjust to facilitate loans to risky borrowers. When usury restrictions bind, auto dealers finance their customers’ purchases and raise the vehicle sales price (and loan amount) relative to the value of the u...

United States has been fundamentally transformed. The 1996 welfare reform led to a dramatic reduction in the amount of state cash assistance and to the elimination of the Aid to Families with Dependent Children (AFDC) program. At the same time, the amount of cash assistance given through the U.S. tax system increased substantially with the Earned Income Tax Credit (EITC). A Revolution in Povert...

One of the most important issues always facing banks and financial institutes is the issue of credit risk or the possibility of failure in the fulfillment of obligations by applicants who are receiving credit facilities. The considerable number of banks’ delayed loan payments all around the world shows the importance of this issue and the necessary consideration of this topic. Accordingly...

The article analysis the old credit risk evaluation models performance and highlights the failure of complex econometric models to predict recession. Furthermore, this article is intended to propose a software solution for implementing a general, orientative consumption credit risk evaluation scoring model based on semantic web. The use of semantic web enables us to discover the common features...