The specific nature of credit loan data requires the use mixture cure models within class survival analysis tools. constructed allow for competing risks such as early repayment and default, incorporating maturity, expressed an unsusceptible part population. A novel further extension incorporates unobserved heterogeneity risk groups. hierarchical expectation-maximization algorithm is derived to ...

In this paper, a restricted free boundary problem model for the remaining loan value under flexible repayment method is proposed. The formulated as weak coupling between parabolic variational inequality and partial differential equation. existence uniqueness of solution are obtained. Some properties boundary, such boundedness, monotonicity smoothness, also studied. Especially, relationship its ...

Agriculture is one of the most important sectors to support household economy in West Nusa Tenggara (WNT), dominated by small holder farmers. This paper aims provide insight on smallholder farmers attitude access bank under integrated crop-livestock system WNT. A survey was conducted 2021 East Lombok, Sumbawa and Bima districts covering 103 study found that Lombok has less interaction with comp...

Literature has found that women outperform men in terms of loan repayment. We can therefore question whether more gender equality access to credit fosters financial stability. test this hypothesis using cross-country data on inclusion from the World Bank's Global Findex database and bank-level perform regressions at bank level check existence a relation between female-to-male ratio find evidenc...