The study was designed to investigate the comparative analysis of agricultural credit users and non-users among cassava farmers in Ohafia Local Government Area of Abia State. A sample of 50 credit users and 50 non-credit user cassava-based farmers were selected by multistage random sampling technique. Data were collected with a well structured questionnaire administered to a total of 100 random...

Credit scoring has gained more and more attentions both in academic world and the business community today. Many modeling techniques have been developed to tackle the credit scoring tasks. Credit scoring models have been widely used by financial institutions to determine if loan customers belong to either a good applicant group or a bad applicant group. The advantages of using credit scoring mo...

Potential growth of dairy sector is highest and more reliable compared to crop sector, indicating that dairy sector can play vital role to increase income among farmers in rural areas than crop sector in Sri Lanka. Credit and farmer training in management ability have been major concerns of dairy development efforts. Therefore, this study wasconductedto assess the impact of credit and farmer tr...

This paper assesses whether the primary effect of the global crisis on Eastern European firms took the form of an adverse demand shock or a credit crunch. Using a unique firm survey conducted by the World Bank in six Eastern European countries during the 2008 e2009 financial crisis, the paper shows that the drop in demand for firms' products and services was overwhelmingly reported as the most ...

In a recent article, Inglis and Alcock (2012) contended that their data challenge the claim that when mathematicians validate proofs, they initially skim a proof to grasp its main idea prior to reading individual parts of the proof more carefully. This result is based on the fact that when mathematicians read proofs in their study, on average their initial reading of a proof took half as long a...

We compute and estimate the two risks that keep Brazilian interest rates extremely high: the currency and country risks. The Brazil risk is directly measured from fixed income instruments and derivatives, while the currency risk is estimated via Kalman Filter. Results identify a few important components of the Brazil risk, as the convertibility risk and the international financial markets condi...

In studies involving genuine transactions of potentially high value we show that willingness-to-pay can be increased when customers are instructed to use a credit card rather than cash. The effect may be large (up to 100%) and it appears unlikely that it arises due solely to liquidity constraints. In addition to demonstrating the effect, we provide a methodology for detecting it, and our ®nding...

Using data from the 2001 Survey of Consumer Finances, this study examines how the holding of types and amounts of household debt changes over the life cycle. The results show that the likelihood of holding each type of debt and the amount of each type of debt compared to total assets decrease with age. Although the popular press has speculated that older households accumulate excessive amounts ...

At present, it is simple to the electronic commerce credit scoring model, as a brush credit phenomenon in E-commerce has emerged. This phenomenon affects the judgment of consumers and hinders the rapid development of E-commerce. In this paper, that E-commerce credit evaluation model that uses a Gaussian density function is put forward by density test and the analysis for the anomalies of E-comm...

The present paper aimed at studying the current models of credit portfolio management. There are currently three types of models which consider the risk of credit portfolio: the structural models (Moody's KMV model, and Credit- Metrics model), the intensity models (the actuarial models) and the econometric models (the Macro-factors model). The development of these three types of models is based...