This study is on the determinants of credit access by small scale farmers in Dekina Local Government Area of Kogi State, Nigeria. The specific objectives are to; identify the major source of credit among the small scale farmers; estimate the determinants of farmers’ access to formal credit; compare the farm income of farmers who have access to formal credit and those who have not and identify c...

this study was designed to investigate the demand for institutional credit among small scale farmers in imo state. a sample of 40 livestock and 50 food crop farmers were selected respectively using multistage random sampling technique. data were collected with a well structured questionnaire administered to a total of 90 randomly selected farmers. data collected were analyzed using descriptive ...

The transmission process from policy-controlled interest rates to bank lending rates deserves reconsideration owing to the implementation of the European Monetary Union (EMU) in 1999. Additional attention to the subject in Austria is due to several large banks which, in 2002, have been charged for not passing on interest rate decreases to their customers. I examine dynamic responses of commerci...

the study was designed to analyze credit receipt and enterprise performance by small scale agro based enterprises in the niger delta region of nigeria. a multistage sampling technique was adopted in selecting 264 agro based enterprises and 96 agro based enterprises that accessed informal and formal credit respectively. the heckman model was used to examine the factors affecting amount of inform...

Exposure control research with polytomous item pools has determined that randomization procedures can be very effective for controlling test security in computerized adaptive testing (CAT). The current study investigated the performance of four procedures for controlling item exposure in a CAT under the partial credit model. In addition to a no exposure control baseline condition, the Kingsbury...

Farmland values are booming across much of the nation and farm credit conditions are solid. There are few exceptions to these broad-based trends according to results of surveys of agricultural credit conditions conducted by several Federal Reserve district banks. Farm and ranch land values have been climbing in recent years, but have showed particular strength since mid-2004. Strong farm income...

internal audit is a process affected by an entity ‘s board of directors, management and other personnel, designed to provide reasonable assurance regarding the achievement of objectives relating to operations, reporting and compliance. this definition reflects certain fundamental concepts. internal control is: • geared to achievement of objectives in one or more categories operations, repor...

This Appendix contains an overview of debt collection technologies in the U.S. and its recent evolution. In the first section we summarize how debt is collected in the U.S. Section 2 focuses on collection technology and its recent evolution. The last section describes the data sources used in the analysis. 1 Overview of the Debt Collection Process in the US We briefly describe the debt collecti...

Student loans and credit card loans represent important components of young households’ portfolios in the United States. While default rates on credit card debt are at historically low levels, default rates on student loans have increased significantly in recent years. There are important institutional differences between bankruptcy arrangements and default consequences in the two markets, whic...