This paper can be thought of as a companion paper to Van Loan’s The Ubiquitous Kronecker Product paper [23]. We collect and catalog the most useful properties of the Kronecker product and present them in one place. We prove several new properties that we discovered in our search for a Stochastic Automata Network preconditioner. We conclude by describing one application of the Kronecker product,...

This paper presents a novel model of the lending process that takes into account that loan officers must spend time and effort to originate new loans. Besides generating predictions on loan officers’ compensation and its interaction with the loan review process, the model sheds light on why competition could lead to excessively low lending standards. We also show how more intense competition ma...

Main duties: Underwriting and processing loan applications; collecting and analyzing information which reflects the credit worthiness of applicant; monitoring loan repayment activities; completing the monthly various financial reports for both loan department and CB.

Loan servicers today face increasing regulatory and investor pressures to make sure they properly protect and preserve the integrity of their loan records. Data security and data integrity, unfortunately, are two often-overlooked aspects of loan servicing. Failure in either area is a recipe for reputation damage at best, and financial disaster, at worst. The goal of this paper is to provide loa...

This paper reviewed and analyzed the development of our nation’s loan loss provision system, then studied the relations of commercial bank loan loss provision and earnings management and capital management through empirical study. This paper selected 14 domestic commercial banks of year 2001-2009 as data sample, using Kanagaretnam et al.’s (2003) research method, dividing the loan loss provisio...

We investigate key factors affecting lenders’ bidding strategies using three measurements for the popularity of loans: funding success, number of bids, and funding time. Also, we analyze borrowers’ strategy in three groups according to the level of their expertise of online Peer-to-Peer lending: novice borrowers, pure borrowers, and mixed borrowers (as both borrower and lender). We use data fro...

This paper studies the effects of interest rate restrictions on loan allocation. In 1714, the British government tightened the usury laws, reducing the maximum permissible interest rate from 6 to 5 percent. A sample of individual loan transactions from a goldsmith bank allows us to examine how interest rate restrictions affected loan allocation. Average loan size and minimum loan size increased...

For low-resource languages like Uyghur, data sparseness is always a serious problem in related information processing, especially in some tasks based on parallel texts. To enrich bilingual resources, we detect Chinese and Russian loan words from Uyghur texts according to phonetic similarities between a loan word and its corresponding donor language word. In this paper, we propose a novel approa...

The study investigated performance of loan repayment among rice farmers under the MiDA agricultural credit programme in the Hohoe Municipality. Primary data was collected from 120 farmers from four beneficiary towns while secondary data was gathered from literatures and various actors. Multistage random sampling technique was used to select the respondents. Obtained data were analyzed using t-t...