Search results for "loan"
showing 10 items of 122 documents
INFORMATION CHANNELS INFLUENCING THE HOUSEHOLDS’ DECISION OF HOME LOAN PROVIDERS
2012
With rapid growing of competitiveness in the Latvian commercial banking, and resemblance of services offered by banks, it has become significantly important that banks detect the information sources influencing the customer choice of banks of financial products. The relevant literature indicates that a great deal of research effort has been expended to investigate bank selection criteria for broad categories of customers. One promising segment, which, arguably, has not been given enough attention, is the households group. Home loans products make the markets that had the huge increase before crisis. The great fall of interest rates along with the offering of new, more flexible and attractiv…
Revising the history of Nitchevo with text archives
2022
This article focuses on the way nitchevo, a nineteenth-century Russian borrowing, was adopted into the English language. In order to investigate the history of the word, six digital text archives were considered. The results of the research are promising: not only do they allow one to trace antedatings for both senses, which updates the treatment of nitchevo in the Oxford English Dictionary (OED), but they also shed light on its semantic development, spelling variation, and route of transmission. Tellingly, albeit unsurprisingly, the evidence suggests that the press is responsible for boosting the recognition of the word on both sides of the Atlantic. All this indicates that the potential o…
La financiación de la adquisición de viviendas: crecimiento y sus repercusiones para las cooperativas de crédito españolas
2001
La financiación de viviendas ha sido durante los últimos veinte años la actividad de crédito bancario más dinámica. A lo largo de ese período se han producido transformaciones significativas que han dotado al mercado hipotecario de una gran flexibilidad y de altas dosis de competencia. Antes de las reformas de los años 80 era un mercado con fuertes limitaciones y restringido a cajas de ahorros y al Banco Hipotecario de España. A partir de entonces se ha flexibilizado la obtención de recursos y se ha permitido la entrada de nuevos agentes. No obstante, a la hora de elegir una entidad a la hora de solicitar un crédito para adquisición de una vivienda, las familias han tenido en cuenta, además…
Local banks and credit: from crisis to the new regulatory proposals for the development of lending policies in favour of the real economy
2014
Comparing the credit cooperative banks (CCBs) and banking groups operating in Italy, descriptive analyses show that the CCBs, unlike large banks, despite the economic downturn, have continued to extend credit to customers, but at the cost of a higher incidence of bad credit. This increased credit risk of local banks has been caused by management policy choices, such as the preference to modify the conditions applicable to credit supply and to engage firms in long-term credit relationships rather than initiate credit recovery procedures. An empirical analysis shows that this risk has also been caused by a higher incidence of environmental factors such as the spread of situations of crime and…
A Discrete-Time Hazard Model for Loans: Some Evidence from Italian Banking System
2012
Problem statement: The probability of default, PD, is a crucial probl em for banks. In the last years international accords (Basel, Basel 2 an d Basel 3) have incentived banks to adopt objective s systems to evaluating and monitoring risk of defaul t in order to predict PD for new loans based on borrower's characteristics. The aim of this study i s to introduce a discrete survival model to study t he risk of default and to propose the empirical eviden ce by the Italian banking system. Approach: Survival analysis is used if we are interested in w hether and when an event occurs. In this context th e event occurrence represents a borrower's transition from one state, loan in bonis that is not…
HUMAN VALUES AND ATTITUDES TOWARDS MONEY
2018
Spending money which is not earned becomes more available practice with help of the various types of cash loans. It causes social problem in society because easiness of getting money puts families at risk due to the high loan percent. Our study aims to understand ifhuman values are related to attitudes towards money and in what way if any.Values are motivational constructs that apply to abstract goals (Schwartz, 1992). Schwartz believes that the main aspect of value contents is the type of goal or the motivation it expresses (Schwartz, 1992). Also, values are abstract goals and do not effect decisions in specific situations they can work as the underlying assumptions for creating attitudes.…
Two Relevant Forecasting Problems for Practitioners in Finance: Equity Risk Premium and Non-Performing Loans
2021
The thesis aims to substantiate whether macroeconomic factors indicators are relevant to predict both in-sample and out-of-sample assets' future performance focusing on two well-studied themes in financial economics and banking: First, the ability to predict the equity risk premium, and second, the macroeconomic determinants of non-performing loans (NPL) rates. The dissertation is divided in three chapters. Chapter 1, entitled "Forecasting the equity risk premium in the European Monetary Union", investigates the capacity of multiple economic and technical variables to predict the Euro area equity risk premium. The chapter examines the performance of several variables that could be good pred…
Kredītņēmēju maksātspējas prognozēšana ar loģistiskās regressijas un gadīguma meža palidzību
2018
Bakalaura darbā apskatīta loģistiskas regresijas un gadījuma meža algoritma pielietošana mikrofinansēšanas uzņēmuma klientu maksātspējas noteikšanai. Darba mērķis ir izmantojot iepriekš nosauktās metodes, izveidot dažādus klasifikācijas modeļus un novērtēt to kvalitātes rādītājus.
HAQ survey: red QSO candidates follow-up
2015
Quasi-stellar objects (QSOs) whose spectral energy distributions (SEDs) are reddened by dust either in their host galaxies or in intervening absorber galaxies are to a large degree missed by optical color selection criteria like the ones used by the Sloan Digital Sky Survey (SDSS). To overcome this bias against red QSOs, we employ a combined optical and near-infrared (near-IR) color selection. In this paper, we present a spectroscopic follow-up campaign of a sample of red candidate QSOs which were selected from the SDSS and the UKIRT Infrared Deep Sky Survey (UKIDSS). The spectroscopic data and SDSS/UKIDSS photometry are supplemented by mid-infrared photometry from the Wide-field Infrared S…