Although the rise in subprime lending and the ensuing wave of foreclosures was partly a result of market forces that have been well-identified in the literature, in the United States it was also a highly racialized process. We argue that residential segregation created a unique niche of poor minority clients who were differentially marketed risky subprime loans that were in great demand for use...

Previous research has examined geographical variations in SME access to external finance, especially bank loans. Rather less attention been paid how far equity difficulties more peripheral regions, and cities within these is a demand or supply side issue, investments are concentrated specific urban areas regions. This paper examines topics through an analysis of small firm deals across the UK b...

We continue our previous work on soft margin estimation (SME) to large vocabulary continuous speech recognition (LVCSR) in two new aspects. The first is to formulate SME with different unit separation. SME methods focusing on string-, word-, and phonelevel separation are defined. The second is to compare SME with all the popular conventional discriminative training (DT) methods, including maxim...

OBJECTIVES To compare transverse skeletal changes produced by rapid (RME) and slow (SME) maxillary expansion using low-dose computed tomography. The null hypothesis was that SME and RME are equally effective in producing skeletal maxillary expansion in patients with posterior crossbite. SETTING AND SAMPLE POPULATION This study was carried out at the Department of Oral Sciences, University of ...

This study investigates the main factors driving evolution of securitization loans to Italian small and medium-sized enterprises (SMEs). The value increased in last two years, even though it has not been used as collateral for central banks. disposal non-performing (NPLs) may have rather triggered by increasing attention international institutions such an issue, within general purpose financial...

Secure multi-execution (SME) is a dynamic technique to ensure secure information flow. In a nutshell, SME enforces security by running one execution of the program per security level, and by reinterpreting input/output operations w.r.t. their associated security level. SME is sound, in the sense that the execution of a program under SME is non-interfering, and precise, in the sense that for pro...

"SMEs" are economic units or enterprises that employ less than 250 people and have a net revenue balance sheet of billion TL. According to the data for 2020, 99.76% all firms operating in Turkey SMEs. Moreover, 72% workers work there, they produce 42.75% production. This means SMEs an engine production economy Turkey. study considers relationship between SME loans growth with quarterly from 200...

Situational Method Engineering (SME) addresses the need for custom-built software development methodologies that are tailored to fit specific project situations. A process pattern is a description of a recurring development process fragment that can be used as a generic model or a building block for engineering development processes. Software development process patterns are extensively used in...

Do securitized loans differ from loans held on lenders’ balance sheets? If so, why? We assemble a unique dataset of commercial mortgages with information on loan characteristics at origination and subsequent performance. The most significant difference between securitized (CMBS) and balance sheet loans is the loan size. The largest loans are 42 percentage points more likely to be securitized th...

Using a national survey data where the event of individual households being refused loans (credit rationed) by financial institutions -as well as the specific loans for which they were turned down -is observed directly, this study investigates both the role of relationships on credit rationing in the nineties and the differential role of relationships across credit rationing in various consumer...