This paper examines the political influence on government bank lending decisions using the prefecture level panel data on Japan’s government loans from 1975 to 1992. I find that prefectures that were represented by more influential members of the ruling party, the Liberal Democratic Party (LDP), tended to receive more government loans. I also find that the amount of government loans tended to i...

The application of silicalite for improvement of enzyme adsorption on new stainless steel electrodes is reported. Glucose oxidase (GOx) was immobilized by two methods: cross-linking by glutaraldehyde (GOx-GA) and cross-linking by glutaraldehyde along with GOx adsorption on silicalite-modified electrode (SME) (GOx-SME-GA). The GOx-SME-GA biosensors were characterized by a four- to fivefold highe...

Several approaches have been proposed to support situational method engineering (SME), each of them providing different techniques and using different basic concepts. In this work, we propose a framework for comparing SME approaches based on a generic SME process model. Three approaches are presented and compared by using this framework.

Communities in coastal and marine areas generally depend on fishing, especially capture fisheries (fishermen). The potential for fishery resources is quite large, but some people these are still below the poverty line.With difficulty getting capital from cooperative, SME entrepreneurs looking other alternatives by borrowing money relatives or middlemen. However, middlemen most cases actually en...

Background: There are several factors that lead to the growth or decline of the nonperforming loans, such as macroeconomic variables and bank specific variables, banks ownership structure, corruption and information sharing. Among them one of the main factors that affect the non-performing loans are the corruption. In developing countries corruption plays very important role in the growth of no...

Student Loans Repayment and Recovery: International Comparisons Student loans schemes are in operation in more than seventy countries around the world. Most loans schemes benefit from sizeable built-in government subsidies and, in addition, are subject to repayment default and administrative costs that are not passed on to student borrowers. We probe two issues in this paper, for 44 loans schem...

This paper examines the reporting of bank loans in the financial press during the 2004-2007 period. More specifically, it uses a unique hand-collected data set to examine the frequency and determinants of loan reporting. The motivation is double folded. First, virtually all publicly traded firms borrow from banks. However, despite their widespread use, the reporting of bank loan agreements in t...

In this paper we describe one of the authors’ experiences working for an IT service provider in an SME environment. The paper starts with an analysis of the factors typical for the SME business environment and discusses the typical shortcomings resulting from this constellation. Finally, a theory is proposed why the potential of object-oriented methods is not yet realized in the SME environment...