Introduction Residential mortgage loans are the major instrument of housing finance. A mortgage arrangement is equivalent to an exchange of a loan today for a stream of future payments. In general, a household or investor will borrow whenever the marginal cost of borrowing is less than the marginal utility or benefit derived from the asset. Mortgage loans are secured by the real property, and p...

Dynamic incentives granted to the micro entrepreneurs for good loan repayment increase their business growth. The purpose of this research is examine relationships between dynamic and microentrepreneurial performance in Malaysia. questionnaire obtained cross-sectional data from 450 micro-entrepreneurs who are part micro-financing scheme. micro-entrepreneur firm were constructed as a reflective ...

This article assesses the theory of credit mechanics within context current money supply debate. Credit and related approaches were developed by a group German monetary economists during 1920s-1960s. overcomes one-sided, bank-centric view creation, which is often encountered in theory. We show that influenced interplay loan creation repayment rates; relative share volume neutral debtor-to-debto...

Somali microfinance finance institute (SMFI) was established to provide inclusive financial services rural and urban poor households with the ultimate goal of poverty alleviation in regional state. Even though SMFI is working better upgrade itself a licensed bank-Shabelle Bank showing livelihood improvement for region so far, loan repayment problems are currently major challenge facing institut...

This paper consider the task of learning discriminative classifiers of data when some class labels are missing from the data set(so-called “semi-supervised” learning), specifically when the labeled data are not drawn from the same distribution as the unlabeled data. This is an important issue in domains in which learning from only the labeled samples can result in a classifier that is not appro...

With the emergence of COVID-19 pandemic economic status in country has drastically changed due to loss livelihood many citizens. Repayment loans been affected and thus there is need assess effect credit risk identification on loan repayment performance SACCOs Imenti South Sub-county, Meru. The study adopted a correlation research design establish relationship between independent dependent varia...

Abstract We compare the performance of a wide set regression techniques and machine-learning algorithms for predicting recovery rates on non-performing loans, using private database from European debt collection agency. find that rule-based such as Cubist, boosted trees, random forests perform significantly better than other approaches. In addition to loan contract specificities, predictors ref...

one of the most important issues always facing banks and financial institutes is the issue of credit risk or the possibility of failure in the fulfillment of obligations by applicants who are receiving credit facilities. the considerable number of banks’ delayed loan payments all around the world shows the importance of this issue and the necessary consideration of this topic. accordingly, many...