In this study we examined the college choice process for Black males attending community colleges. Using data from the Educational Longitudinal Study, findings indicated that Black males who attend community colleges select their institutions based upon having a degree in their chosen field, the coursework/curriculum, job placement record, availability of financial aid, and academic reputation....

the study was designed to analyze credit receipt and enterprise performance by small scale agro based enterprises in the niger delta region of nigeria. a multistage sampling technique was adopted in selecting 264 agro based enterprises and 96 agro based enterprises that accessed informal and formal credit respectively. the heckman model was used to examine the factors affecting amount of inform...

We evaluate the aggregate effects of expansions credit supply in environments where subsistence self-employment is prevalent. extend a standard macro development model to include unemployment risk, which becomes key driver selection into self-employment. The consistent with joint distribution earnings and occupations, reaction wages labor demand shocks, small microloans on self-employed. find t...

The main objective of this paper is to investigate the determining factors loan delinquencies from perspective borrower attributes and characteristics. Empirical results indicated that borrower-lender distance factor, collateral, education levels as well availability a monthly budget are having significant effects on delinquencies. On other hand, level income gender have no impact repayment beh...

internal audit is a process affected by an entity ‘s board of directors, management and other personnel, designed to provide reasonable assurance regarding the achievement of objectives relating to operations, reporting and compliance. this definition reflects certain fundamental concepts. internal control is: • geared to achievement of objectives in one or more categories operations, repor...

The situation of a limited availability of historical data is frequently encountered in portfolio risk estimation, especially in credit risk estimation. This makes it, for example, difficult to find temporal structures with statistical significance in the data on the single asset level. By contrast, there is often a broader availability of cross-sectional data, i.e., a large number of assets in...