The failure or success of the banking industry depends largely on the industry’s ability to properly evaluate credit risk. In the consumer-lending context, the bank’s goal is to maximize income by issuing as many good loans to consumers as possible while avoiding losses associated with bad loans. Mistakes could severely affect profits because the losses associated with one bad loan may undermin...

today continuation of economic activities requires access to timely and adequate financial resources to provide working capital for enterprises, and any decision in this area  has a considerable effect on the operational efficiency of the business unit and will lead to changes in the value of the company and ultimately shareholders' wealth.       in current conditions, because of  the volu...

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 ...

Reserve Bank of India devised initiatives to provide affordable and easy financial services not only the privileged ones but also ignored neglected sections our society. Regardless their personal net worth or size organization, all individuals organizations should be able access afford products according determinants inclusion. Financial penetration is a relative small term which used represent...

introduction: one of the main indicators in the scientific development of many countries is their scientific production. in this regard, universities and faculty members, as the most critical factors in research and scientific areas, play the most significant role. methods: the current study attempts to identify the critical factors and obstacles involved in the production of science at kermans...

Article history: Received 5 April 2007 Received in revised form 3 March 2008 Accepted 17 April 2008 Available online 25 April 2008 There has been a considerable expansion of the volume of syndicated loans in emerging markets in the recent years. We provide the first analysis of the determinants of the decision of banks to syndicate a loan on a sample of loan facilities from 50 emerging countrie...

In recent history, it looked to many as if rural financial markets would become dominated by large banks that offered relatively expensive credit to agricultural firms. However, the 1990's have seen a resurgence in smaller banks with a focus on smaller, agricultural producer loans. Moreover, small banks may be more competitive than ever with respect to interest rates. This report outlines some ...