Two thirds of US households hold bank type credit cards, and most of them revolve high-interest card debt. Standard models cannot account for the observed co-existence of such debt with (i) substantial asset accumulation by retirement age, and (ii) substantial holdings of low-rate liquid assets. Hyperbolic discounting can resolve the former but not the second puzzle (Laibson, et al., 2000). Ber...

in every community, higher values and interests have a special position. in the form of the concept of public order, national legal systems support these higher values and interests against the individual interests and freedom. in these systems, the function of public order is to limit contractual freedom and to prevent from enforcement of foreign law and awards. although the international comm...

Low yield of maize continues to affect the livelihood of smallholder farmers in the Zabzugu-Tatale area despite the introduction of a high yielding Obatanpa maize variety. The study used a cross-sectional survey design with 240 randomly sampled household heads growing maize to examine determinants of adoption of Obatampa varieties (IMVs) by farmers in the Zabzugu-Tatale area in the Northern Reg...

This study aims to examine and analyze the credit agreement at PT BPR Surya Yudhakencana Banjarnegara Purwokerto Branch legal position of guarantee (Borgtocht) as a form binding branch determine deed (Borgtocht). ).The research approach method is sociological juridical method. The specification uses descriptive analysis. types sources data are divided into two, namely primary secondary data. Me...

power of attorney (pa) contract is among the specified contracts that are widely used in society and people’s legal relations, because on one hand, people are not compelled to directly vindicate their rights and, on the other hand, the above-mentioned contract is of high importance in lawsuits and restoring the victim’s rights in courts of law. through signing contract of pa, the attorney and t...