One promising strategy to stem the flood of home foreclosures is to modify mortgage loans so that borrowers can remain in their homes. A primary concern of loan modification efforts, however, is the seemingly high rate of recidivism. In this article, we examine the relationship between redefault rates and different types of loan modifications based on a large sample of recently modified loans. ...

The paper focuses on the effects of three different internal bank ratings – Risk-, Propertyand Creditworthiness-Rating – on the loan maturity. We use a sample of about 5,000 loans given to sole proprietors and corporate borrowers by two German banks from January 2003 till July 2005. The estimation results for corporate borrowers are consistent with Diamond’s (1991) predictions of non-monotonic ...

one of the most important questions in islamic banking system is about the best method for calculating the interest rate of loans and deposits. this paper compares two methods : time- value method and economic value- added method and tries to answer this question that, based on the information gathered from the financial statements of a sample of the accepted firms in the iranian exchange marke...

The aim of this research is to analyze the effect Good Corporate Governance mechanism on quality banking industry assets during Covid-19 pandemic. This was conducted at companies listed Indonesia Stock Exchange in 2020. data analysis technique uses multiple linear regression analysis. results show that board independent commissioners has a negative non-performing loans, thus indicating getting ...

We explore the role of comparables in price formation. Using data on corporate loans, we exploit the lag between loans’ closing dates and their inclusion in a widely-used comparables database to identify the causal effect of past transactions on new transaction pricing. We find that comparables pricing is an important determinant of individual loan spreads, but a failure to account for the over...

Since 80s, along with the heating-up competition in finance industry and the liberalization trend of financial supervision, a tendency of integration appears in world three financial service fields, namely banking, insurance, and security. It threats the banking business. The banking industry that always possesses the core position in financial system faces enormous challenges. On the other han...

This study aims to determine the extent which influence of credit improve farmers' welfare. uses a meta-analysis approach from international and national journals published 2018 2021. The results several journal articles show that is very helpful in agricultural process can welfare for farmers, especially farmers. Family Family, this because by getting farmers will be able carry out their busin...

It is commonly argued that banks play a special role in the financial system because they resolve an important information asymmetry. The recent development of an active secondary market for loans could however potentially diminish this special role. This study utilizes a unique dataset of secondary market loan prices to examine this issue. We find that new loan announcements are associated wit...