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35 articles for “loan”
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Research ArticleOpen accessEvery word in the titleFinancing 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 accessEvery word in the titleMacroeconomic 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 accessEvery word in the titleApproximate Maximum Likelihood Commercial Bank Loan Management ModelGodwin Norense Osarumwense AsemotaProblem statement: Loan management is a very complex and yet, a vitally important aspect of any commercial bank operations. The balance sheet position shows the main sources of funds as deposits and shareholders contributions. Approach: In order to operate profitably, remain solvent and consequently grow, a commercial bank needs to properly manage its excess cash to yield returns in the … …Journal of Social Sciences, Vol. 5, Issue 4 · 31 Dec 2009 · 7,242 accessesView PDFCite
Research ArticleOpen accessEvery word in the titleAn 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
Research ArticleOpen accessEvery word in the titleRetail Banking Loan Portfolio Equilibrium Mix : A Markov Chain Model AnalysisV. Thyagarajan, Saiful Maznan Bin MohamedThe variance analysis of actual loan sanctions with the non-documented method of loan allocation of the selected retail bank, over a period of 24 months, revealed that there is a scope to improve their income earnings. Realizing its importance Markov Chain Market Share model was applied to inter temporal data of loan disbursements of the selected bank. By applying Estimate … …American Journal of Applied Sciences, Vol. 2, Issue 1 · 31 Jan 2005 · 7,579 accessesView PDFCite
Research ArticleOpen accessEvery word in the titleA 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 accessEvery word in the titleNeuro-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 accessEvery word in the titleFinancing College Through Student Loans: An Incentive for Academic Performance?Gunnar B˚ardsen, Snorre Lindset, Peter ReschStudent debt in the United States has reached unprecedented levels. Whereas student loans have paved the way to a college degree for millions of young Americans, it is not clear if student debt acts an incentive for academic performance or not. Using the results from a survey conducted with 877 undergraduate business students in a large public university in the … …Journal of Social Sciences, Vol. 19, Issue 1 · 24 Aug 2023 · 8,130 accessesView PDFCite
Research ArticleOpen accessIn the author namesInvestigating Campylobacter Spp. in Mekong Delta Duck Farms: Prevalence, Risk Factors, and Antibiotic ResistanceNguyen Vu Thuy Hong Loan, Le Trung Kien, Do Ngoc Yen Phuong et al.Campylobacter spp. is a leading cause of gastroenteritis worldwide, contributing to significant health and economic burdens, especially in poor hygiene practices. Investigating this bacterium's prevalence and antibiotic resistance in ducks from the Mekong Delta is essential, as the region's extensive duck farming industry presents a potential risk for transmission to humans through the food chain. During August 2024 to February … …American Journal of Animal and Veterinary Sciences, Vol. 20, Issue 4 · 8 Feb 2026 · 1,623 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