نتایج جستجو برای: interest loans

تعداد نتایج: 340988  

2014
Anzhela Knyazeva Diana Knyazeva Joseph E. Stiglitz

It is well known that conflicts of interests between borrowers and creditors can raise the cost of external financing. In this paper we provide new evidence that borrower-creditor conflicts of interests also affect the sensitivity of debt financing to aggregate business conditions. In the presence of incomplete contracts, creditors cannot fully observe or verify diversion of free cash flow by b...

2015
Adrian Ziderman

A student loans scheme (SLS) came into effect recently in Thailand, covering both upper secondary and tertiary level schooling. The central objective of the scheme is social — to increase access of poor students and to prevent student dropout. The loans scheme is highly subsidized owing to the extremely favorable repayment conditions, which in turn calls into question the longer-term financial ...

2000
Maureen C. Crowley

T he topic of the “credit crunch” received considerable attention during the early 1990s. As a result, several initiatives aimed at eliminating regulatory disincentives to lending were put in place. For example, documentation requirements recently were reduced to the legal minimum for loans to small and medium-sized businesses. Also, examiners and bankers were encouraged to emphasize the charac...

Journal: :Jurnal Riset Informatika 2023

Loans are the largest source of income from banks compared to other sources income. To ensure bank continuity, Bank must exist interest on loans, reaching almost 95% all activities. For companies and that apply loan differences, loans receivables which cash is delayed in receipt. Having problem can weaken a bank's financial condition. In general, two factors cause problems with namely internal ...

2010
Stephen Haber Aldo Musacchio

What is the impact of foreign bank entry on the pricing and availability of credit in developing economies? The Mexican banking system provides a quasi-experiment to address this question because in 1997 the Mexican government radically changed the laws governing the foreign ownership of banks: the foreign market share therefore increased five-fold between 1997 and 2007. We construct and analyz...

2016
Yong Suk Lee

This paper examines the impact of government guaranteed small business loans on urban economic growth, and compares the growth impacts of government versus market financed entrepreneurship. OLS estimates indicate a significant and positive relation between the Small Business Administration’s guaranteed loans and metropolitan growth between 1993 and 2002. However, first-difference and instrument...

Journal: :Social security bulletin 1983
B D Schobel

Until recently, the four Social Security trust funds were, by law, kept completely separate, each having its own sources of revenue and paying benefits to specific groups of entitled persons. The original Social Security Act (Public Law 74-271, enacted on August 14, 1935) created the Old-Age Reserve Account, which was later renamed the Federal Old-Age and Survivors Insurance (OASI) Trust Fund. ...

2010
Wei Jiang Ashlyn Nelson Edward Vytlacil Kai Li Chris Mayer Atif Mian Tomasz Piskorski David Scharfstein

This study presents an intriguing contrast of the ex ante and ex post relations between mortgage securitization and loan performance using a comprehensive dataset from a major national mortgage bank. While the paper supports that the bank applies lower screening efforts on loans that have higher ex ante probability of being securitized, it further shows that loans remaining on the bank’s balanc...

2010
Ulrike Busch Michael Scharnagl Jan Scheithauer Klaus Düllmann Frank Heid Heinz Herrmann Karl-Heinz Tödter

Distinguishing pure supply effects from other determinants of price and quantity in the market for loans is a notoriously difficult problem. Using German data, we employ Bayesian vector autoregressive models with sign restrictions on the impulse response functions in order to enquire the role of loan supply and monetary policy shocks for the dynamics of loans to non-financial corporations. For ...

2009
João Miguel Coelho

The recent turmoil in financial markets brought new challenges and demands to the compilers of statistics. The current set of statistics on financial markets seemed insufficient for an appropriate and prompt intervention of policy-makers. With the present knowledge about the holdings of mortgage-backed securities or asset-backed securities, it proved very difficult to find who ultimately bears ...

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