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Research ArticleOpen accessIn the keywordsTHEORETICAL AND PRACTICAL QUESTIONS OF THE PAYMENT CARD'S USE AS A PAYMENT METHOD IS RUSSIA AND ABROADAlexander A. Galushkin, Valeriy V. Grebennikov, Dmitriy A. Pashentsev et al.In the present article authors analyze theoretical and practical questions of payment cards use in Russian Federation and abroad. Authors discuss historical and practical reasons for choosing payment cards as payment method, as well as reasons for different kinds of cards use. Authors pay discuss questions of payment card use in Russian Federation at the present time and analyze questions … …American Journal of Applied Sciences, Vol. 11, Issue 10 · 1 Dec 2014 · 6,192 accessesView PDFCite
Research ArticleOpen accessIn the keywordsA Grade-Based Incentive Mechanism for Peer-to-Peer NetworksS. Moses Dian, B. RamadossFree-riding is a desperate and a constant menace to many P2P systems, to violate the cooperation among peers. This study proposes a grade-based approach, which expeditiously maintains fairness in the network by encouraging the high contributed peers and altogether wiping out the free-riders. The Network Contribution Ratio determines the contribution of users globally. Besides, the proposed grading algorithm uses a … …American Journal of Engineering and Applied Sciences, Vol. 5, Issue 3 · 3 Sep 2012 · 7,492 accessesView PDFCite
Research ArticleOpen accessIn the keywordsNeuro-Based Artificial Intelligence Model for Loan DecisionsShorouq Fathi Eletter, Saad Ghaleb Yaseen, Ghaleb Awad ElrefaeProblem statement: Despite the increase in consumer loans defaults and competition in the banking market, most of the Jordanian commercial banks are reluctant to use artificial intelligence software systems for supporting loan decisions. Approach: This study developed a proposed model that identifies artificial neural network as an enabling tool for evaluating credit applications to support loan decisions in the Jordanian … …American Journal of Economics and Business Administration, Vol. 2, Issue 1 · 31 Mar 2010 · 10,811 accessesView PDFCite
Research ArticleOpen accessIn the keywordsImpact of Information Asymmetry on Municipal Bond Yields: An Empirical AnalysisKenneth Daniels, Demissew Diro EjaraProblem statement: There is a significant difference between the interest rates on the GO and the RV municipal bonds. We sought explanation for this difference in differences in information asymmetry between the two types of municipal bonds. GO bonds finance general municipality expenditures and repayment is from general tax revenues. RV bonds finance special projects and repayment is from cash … …American Journal of Economics and Business Administration, Vol. 1, Issue 1 · 31 Mar 2009 · 8,037 accessesView PDFCite
Research ArticleOpen accessIn the keywordsEconomic Order Quantity with Linearly Time Dependent Demand Rate and ShortagesR. P. Tripathi, D. Singh, Tushita MishraThis paper presents an inventory model with linearly time dependent rate and shortages under trade credits. We show that the total cost per unit is convex function of time. Some properties have also been discussed based an optimal solution. The results are discussed with the help of numerical examples. Sensitivity analyses with a variety of numerical results showing the effect … …Journal of Mathematics and Statistics, Vol. 11, Issue 1 · 26 Jun 2015 · 7,008 accessesView PDFCite
Research ArticleOpen accessIn the keywordsMacroeconomic Determinants of Non-Performing Loans: An Empirical Study of Some Arab CountriesMahmoud Abdelaziz Touny, Mohamed Abdelhameed ShehabThe issue of non-performing loans is one of the factors that reflect the soundness of the banking sector. The main objective of this study is to identify macroeconomic determinants of non-performing loans in some Arab countries through the period 2000-2012 using the dynamic panel data approach. The outcomes of this paper suggest that inflation rate has a negative impact on … …American Journal of Economics and Business Administration, Vol. 7, Issue 1 · 9 May 2015 · 7,935 accessesView PDFCite
Research ArticleOpen accessIn the keywordsA Discrete-Time Hazard Model for Loans: Some Evidence from Italian Banking SystemGiambona FrancescaProblem statement: The probability of default, PD, is a crucial problem for banks. In the last years international accords (Basel, Basel 2 and Basel 3) have incentived banks to adopt objectives systems to evaluating and monitoring risk of default in order to predict PD for new loans based on borrower’s characteristics. The aim of this study is to introduce a … …American Journal of Applied Sciences, Vol. 9, Issue 9 · 14 Jul 2012 · 7,398 accessesView PDFCite
Research ArticleOpen accessIn the keywordsUsing Neutral Network in Predicting Corporate FailureHuong G. NguyenThis study investigates the predictive power of three neutral network models: Multi-layer neural network, probabilistic neural network, and logistic regression model in predicting corporate failure. Basing on the database provided by The Corporate Scorecard Group (CSG), we combine financial ratios which deem to be significant predictors of corporate bankruptcy in many previous empirical studies to build our predictive models and … …Journal of Social Sciences, Vol. 1, Issue 4 · 31 Dec 2005 · 7,327 accessesView PDFCite
Research ArticleOpen accessIn the keywordsA Structural Study between Chatting and CheatingSaleh Al-ZhraniProblem statement: Internet Relay Chatting (IRC) is a multi-user, multi-channel chat system that runs on a network. It gives people the ability to participate in a synchronous exchange of thoughts with one or more people over a computer network. Approach: Currently, there is a lot of cheating during the chatting since the chatters do not know each other. However, it … …American Journal of Applied Sciences, Vol. 7, Issue 10 · 31 Oct 2010 · 7,366 accessesView PDFCite
Research ArticleOpen accessIn the abstractMicrocredit Services to Reduce Vulnerabilities in Italy: An Exploratory Study Using Focus GroupsAndrea Calzolari, Domenica Federico, Antonella Notte et al.The development and promotion of microfinance services has been viewed as a key policy and program intervention for poverty reduction and bottom up economic and social local development. This study aims to analyze critically the role of microcredit in Italy as a tool to facilitate the credit access to vulnerable people and help them establish or expand a business. Using … …American Journal of Economics and Business Administration, Vol. 15, Issue 1 · 26 Mar 2023 · 6,160 accessesView PDFCite