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 abstractFinancing Higher Education and Education Loans in India: Trends and TroublesP. Geetha RaniThe paper attempts to investigate the trends in financing higher education which convey that student loans is the dominating source of financing higher education in India. This leads us to explore various factors that influence, viz., enrolment growth, growing private sector, bulging youth population with growing middle class with a wider acceptability of loan culture and increasing earning premium of … …Journal of Social Sciences, Vol. 12, Issue 4 · 3 Dec 2016 · 8,649 accessesView PDFCite
Research ArticleOpen accessIn the abstractA 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 abstractNeuro-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 abstractAn Analysis of Credit Scoring for Agricultural Loans in ThailandVisit Limsombunchai, Christopher Gan, Minsoo LeeLoan contract performance determines the profitability and stability of the financial institutions and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of the borrowers) should be completed as part of the screening process. A good credit risk assessment assists financial … …American Journal of Applied Sciences, Vol. 2, Issue 8 · 31 Aug 2005 · 7,622 accessesView PDFCite