This article reviews recent developments in the US and UK in response to rising foreclosures, with an emphasis on the provision of advice or counseling to borrowers in mortgage default. Both nations have increased support for counseling programs despite the lack of evidence that counseling is effective. Based on a quantitative study in the US and a qualitative study in the UK, this article prov...

Abstract This study aims to analyze the effect of third-party funds, non-performing loans, loan-to-deposit ratio, net interest margin, and operating-income-to-operating-expenses on growth working capital loans disbursement in Indonesian banking industry. Making use purposive sampling technique, thirteen out a population forty six conventional commercial banks listed Stock Exchange were selected...

The purpose of this paper is to relate the Danish concept of the “Balance Principle” to test the hypotheses of systemic liquidity risk in the banking sector. In the paper, the major econometric method is to gauge the general applicability of theories of liquidity and to test the applicable validity of Bosnia and Herzegovina (BH). A prime example for this study is taken from the first quarter of...

  One of the main problems of SMEs is how to finance their investments. The role of banks in this regard is crucial, since they can be a type of sources of financing through lending credits directly to SMEs. The key role of the paper thus relies on analyzing the effect of SMEs financing by the Iranian banking system.   The objective of this paper is to determine the influence of loans demanded...

Although loans are a profitable product for banks, they inherently contain an element of risk. The financial sector in terms the fact that loan transferred to economy is not paid due time and becomes problematic, firstly affecting bank made then other banks. On hand, it affects real reducing amount be increasing cost loan. In words, existence control non-performing very important activities bot...

Consumer installment lenders prefer to market “low monthly payments” and shroud interest rates. Why not voluntarily disclose rates? We show that when an interest rate is not disclosed, most consumers substantially underestimate it using information on the monthly payment, loan principal and maturity. This “fuzzy math” or “payment/interest bias” helps explain why lenders shroud rates and thereby...

Using a unique panel data set from a U.K. credit card company, we analyze the interest rate sensitivity of subprime credit card borrowers. In addition to all individual transactions and loan terms, we have access to details of a randomized interest rate experiment conducted by the lender on existing (inframarginal) loans. For the whole sample, we estimate a statistically significant £3.4 reduct...

The purpose of this study was to determine the effect BTN Syariah credit system and income factors on public interest in mortgage ownership KPR. object research is customers who use musharaka KPR at Perum Sinar Garden Ciamis as many 43 units. uses quantitative descriptive methods, meaning that tries describe a symptom current events reveals data has taken place without manipulating other variab...