Log in

Relevant bibliographies by topics / Credit obligations / Journal articles

To see the other types of publications on this topic, follow the link: Credit obligations.

Journal articles on the topic 'Credit obligations'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Credit obligations.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Degeling, Simone, and Jessica Hudson. "Credit Advisers, Consumer Credit and Equitable Fiduciary Obligations." Federal Law Review 47, no. 1 (2019): 64–90. http://dx.doi.org/10.1177/0067205x18816235.

Full text

Abstract:

Consumers use financial intermediaries such as brokers and other credit advisers to navigate complex financial markets and to provide guidance on credit products. In 2017 ASIC reported that ‘[b]rokers … are responsible for arranging … half of all home loans in Australia’ (Australian Securities & Investments Commission, Report 516: Review of Mortgage Broker Remuneration (2017) 8 [18]). The National Consumer Credit Protection Act 2009 (Cth) (‘Credit Regime’) regulates the conduct of such advisers including requiring disclosure of fees and some commissions. The Credit Regime also permits conf

APA, Harvard, Vancouver, ISO, and other styles

2

Hazzazi, Ashwaq. "Credit Controls and Banking Obligations." International Journal of Law Research and Studies 4, no. 4 (2025): 144–73. https://doi.org/10.59992/ijlrs.2025.v4n4p5.

Full text

Abstract:

This study aims to clarify the nature of bank credit and the controls for granting it to customers according to the position of the Saudi regulator and compare it with the Jordanian legislator. The study also addressed the obligations that banks must take into account when conducting credit business in order to reduce credit risks that lead to default. In addition, it is possible that violating these duties will result in civil or criminal liability. The study relied on the comparative analytical approach through analyzing and discussing the Saudi texts and regulations related to the subject o

APA, Harvard, Vancouver, ISO, and other styles

3

Elvandi Christian Saragih. "Juridical Implications of the Covid-19 Pandemic on Credit Agreements in Indonesia." YURISDIKSI : Jurnal Wacana Hukum dan Sains 17, no. 3 (2021): 229–38. http://dx.doi.org/10.55173/yurisdiksi.v17i3.109.

Full text

Abstract:

The Covid-19 pandemic has resulted in many people losing their jobs, if the person concerned is a bank debtor, it can result in him failing to make credit instalments to the bank as the creditor. This study aims to find out how the legal consequences of the Covid-19 Pandemic have on credit agreements in Indonesia and how to resolve them in case of default. The results showed that the Covid-19 Pandemic resulted in difficulties for debtors to pay credit instalments to banks as creditors and made debtors in default. Settlement steps that can be taken if the debtor is in default are Termination of

APA, Harvard, Vancouver, ISO, and other styles

4

Cahyanto, Aris Dwi, Sunardi, and Joko Setiyono. "Legal Reconstruction of Loan; Consumer Protection Perspective." International Journal of Law and Politics Studies 5, no. 1 (2023): 86–97. http://dx.doi.org/10.32996/ijlps.2023.5.1.11.

Full text

Abstract:

This study aims to analyze the legal reconstruction of bad credit settlements from the perspective of consumer protection. The problem described above is that the debtor is unable to fulfill his obligation to repay the debt as a customer in the credit agreement, which results in bad credit problems. The research method used in this research is empirical juridical law research. The results of the research on the implementation of credit granted by the debtor are not all the fault of the debtor alone, but there are also external causes that cause bad credit so that the debtor is unable to fulfil

APA, Harvard, Vancouver, ISO, and other styles

5

Muhammadyusuf, Shukhratpur. "Identifying conceptual gaps in the concept of natural personhood in the banking and credit system of Tajikistan." E3S Web of Conferences 376 (2023): 05021. http://dx.doi.org/10.1051/e3sconf/202337605021.

Full text

Abstract:

The question around the subject of bank credit has always been in the view of legal jurisprudence and doctrine. One of these issues is that the legal personality of a natural person in banking-credit relations is devoid of comprehensive scientific and legal study. This emphasizes the necessity of further research into the issue. This article is devoted to the participation of natural persons in the banking-credit obligations of the Republic of Tajikistan. It also provides an overview of the reality of the existence of natural persons as a subject of civil law obligations. It also investigates

APA, Harvard, Vancouver, ISO, and other styles

6

MARTONO, MARTONO. "MANFAAT PENDIDIKAN DASAR BAGI ANGGOTA KOPERASI SIMPAN PINJAM CREDIT UNION PANCUR KASIH TEMPAT PELAYANAN BENGKAYANG." Jurnal Ekonomi Integra 10, no. 2 (2020): 098. http://dx.doi.org/10.51195/iga.v10i2.140.

Full text

Abstract:

There are five pillars of credit cooperatives, namely Education, Self-help, Solidarity, Innovation and Unity. Basically Credit Union was born from the stage of education, developed through education and dependent on education. For this reason, every prospective member (community) who will join the Credit Union is required to attend education, because the educational aspect within the scope of the development of savings and loan cooperatives is very important. Plus the main goal of basic education is to recognize and deepen the ins and outs of Credit Union, the unification of vision and mission

APA, Harvard, Vancouver, ISO, and other styles

7

GROMOVA, A. O. "SOME ISSUES OF INVALIDITY OF CREDIT OBLIGATIONS." Law and Society 1, no. 6-2 (2020): 63–68. http://dx.doi.org/10.32842/2078-3736/2020.6.2.1.10.

Full text

APA, Harvard, Vancouver, ISO, and other styles

8

S, Sujana Donandi. "PENYELESAIAN WANPRESTASI PADA PERJANJIAN KREDIT DENGAN JAMINAN HAK TANGGUNGAN OLEH KOPERASI." Problematika Hukum 2, no. 1 (2019): 24. http://dx.doi.org/10.33021/ph.v2i1.560.

Full text

Abstract:

In a credit agreement with mortgage in Credit Union (Koperasi SImpan Pinjam/KSP), it is very likely that default happened or the debtor fail to fulfill obligation. The Process of resolving this problem is interesting to be discussed to determine how KSP solves problems of rights and obligations emerging from bad performing loan in which involves morgage. The research is a legal normative-empirical research and the type is descriptive. The result showed that the the resolving of credit with mortgage in KSP could be pursued through the handling procedure, legal effort, and the execution assuranc

APA, Harvard, Vancouver, ISO, and other styles

9

Johan, Suwinto. "Material Adverse Change: An Alternative Solution to Suspension of the Debt Payment." Humaniora 11, no. 3 (2020): 211–18. http://dx.doi.org/10.21512/humaniora.v11i3.6606.

Full text

Abstract:

The research aimed to provide alternative solutions with Material Adverse Change (MAC) before reaching the suspension of the debt payment obligation stage. The pandemic situation had caused many companies to experience difficulties in fulfilling their obligations, including payment obligations or debts to suppliers and creditors. If there were circumstances where the company could not fulfill its obligations, then the creditor would be able to collect through debt-restructuring to bankruptcy. The restructuring was carried out through the suspension of the debt payment obligation (Penundaan Kew

APA, Harvard, Vancouver, ISO, and other styles

10

Anugerah Putri, Sherina. "Calculation of Pension Funds Using the Unit Credit Method." Operations Research: International Conference Series 1, no. 3 (2020): 81–85. http://dx.doi.org/10.47194/orics.v1i3.144.

Full text

Abstract:

Everyone certainly wants a welfare in the future, including employees. The company provides a pension program as a form of the company's concern for its employees. This pension fund provides pension benefits to employees at the time of retirement. Funding for this pension requires actuarial calculations which are normal costs and actuarial obligations. This discussion aims to calculate the amount of normal costs and actuarial obligations that must be incurred. The method used in this discussion is the ordinary credit unit method and projecting credit units by analyzing the use of actuarial for

APA, Harvard, Vancouver, ISO, and other styles

11

Mazovka, E. N. "Recognition of Debt Obligations as Joint Obligations of Spouses: A Case Law Analysis." Actual Problems of Russian Law 15, no. 12 (2020): 82–89. http://dx.doi.org/10.17803/1994-1471.2020.121.12.082-089.

Full text

Abstract:

The paper is devoted to the issues related to the recognition of a debt obligation issued in the name of one of the spouses during their marriage as a joint obligation of the spouses. The author’s study is based on the materials of the generalized case law showing the heterogeneity of the application of Para 2 of Art. 45 of the Family Code of the Russian Federation. The author critically analyzes the approaches developed by judicial practice when deciding the issue of recognition of the debt as joint. In particular, the author investigates acquisition at the expense of credit (borrowed) money

APA, Harvard, Vancouver, ISO, and other styles

12

Yoon, Jon Mo, and Bong-Soo Lee. "Differences between the Bank Payment Obligation and Letter of Credit in Global Settlement Method." Journal of Korea Trade 27, no. 2 (2023): 1–21. http://dx.doi.org/10.35611/jkt.2023.27.2.1.

Full text

Abstract:

Purpose - The bank payment obligation is a transaction method that combines the certainty of L/C transactions with the speed of remittance payments, so the main purpose of this study is to highlight the superiority of bank payment obligation, noting the difference between bank payment obligation and L/C transactions. In addition, we would like to examine how bank payment obligations can actually be applied to support various valuable proposals such as post-shipment and post-shipment finance according to the payment process.. Design/methodology - This study focused on literature based on

APA, Harvard, Vancouver, ISO, and other styles

13

Усоский, В. Н. "КРИПТОВАЛЮТА КАК АБСТРАКТНОЕ ОБЯЗАТЕЛЬСТВО И УСЛОВИЕ ЭМИССИИ БАНКОМ КРЕДИТНЫХ ДЕНЕГ". TIME DESCRIPTION OF ECONOMIC REFORMS, № 4 (15 грудня 2018): 52–57. http://dx.doi.org/10.32620/cher.2018.4.08.

Full text

Abstract:

Formulation of the problem. The article is devoted to a comparative analysis of the essence of cryptocurrency and fiduciary money in the context of the historical prerequisites for the emergence of an abstract obligation as a condition for issuing credit money. The aim of the research is to characterize the cryptocurrency as an abstract obligation and condition for the issuance of credit money by the bank. The object of the research is the process of forming cryptocurrency as an abstract obligation and the conditions for issuing credit money by a bank. The methods used of the research: logical

APA, Harvard, Vancouver, ISO, and other styles

14

Alavi, Hamed. "Limits of Autonomy Principle in Documentary Letters of Credit; Perspective of English Law." Journal of Legal Studies 19, no. 33 (2017): 18–42. http://dx.doi.org/10.1515/jles-2017-0002.

Full text

Abstract:

AbstractIn this article, the author reviews the approach of English courts to limits of autonomy principle and tries to answer the following research questions: What obligations should the applicant fulfil while opening a credit in accordance with the underlying contract? What are the seller’s remedies when the buyer fails to perform his duties regarding opining and performance of the credit? On the other hand, what are the seller’s duties in the process of opening the credit and what will be the buyer’s remedy in case of his failure? What is the legal position regarding variation of the credi

APA, Harvard, Vancouver, ISO, and other styles

15

Adyatma, Rafid, and Reni Anggriani. "Implementing Credit Agreement Restructuring During the COVID-19 Pandemic: A Case Study of PT. Bank Rakyat Indonesia (Persero) Tbk. Gombong Branch Office." Proceedings University of Muhammadiyah Yogyakarta Undergraduate Conference 3, no. 1 (2023): 247–53. https://doi.org/10.18196/umygrace.v3i1.554.

Full text

Abstract:

The spread of the COVID-19 Pandemic caused a decrease in income for debtors in bank credit agreements. This resulted in debtors experiencing difficulties in fulfilling their obligations. The government, through the Financial Services Authority (OJK), issued Financial Services Authority Regulation Number 11/POJK.03/2020 as a way to restructure credit agreements for debtors who are having difficulty paying as long as the spread of the COVID-19 pandemic causes this. PT. Bank Rakyat Indonesia, as one of the banks participating in implementing this policy, restructures credit agreements for its cus

APA, Harvard, Vancouver, ISO, and other styles

16

Puspadma, I. Nyoman Alit. "Non-Performing Loan and How to Solve It." Sociological Jurisprudence Journal 4, no. 2 (2021): 145–52. http://dx.doi.org/10.22225/scj.4.2.2021.145-152.

Full text

Abstract:

Credit delivery by the bank requires the debtor to pay the obligations that have been scheduled in the credit agreement, but it will not always work well, sometimes because of something and other things there are also debtors who can not fulfill the obligations that have been promised so that credit problems occur. Non-performing loans also cause problems for banks, because they can make banks collapse. Thus the question arises, how to avoid the occurrence of problem loans and if it occurs, how is the solution?.

APA, Harvard, Vancouver, ISO, and other styles

17

Alidousti, Naser, Ebrahim Taghizadeh, Mehdi Ashouri, and Ali Khosravi Farsani. "Comparing Subject of Assignment of Contract with Similar Concepts of Other Countries' Domestic Laws and International Documents." Journal of Politics and Law 9, no. 2 (2016): 173. http://dx.doi.org/10.5539/jpl.v9n2p173.

Full text

Abstract:

<p>In concluding a contract, the thing being concluded and assigned is a contract which is a credit existence considered as object of assignment. However in assigning liabilities and debts, the thing being assigned is a debt, which is called debt for the debtor and right for the creditor, whether this liability or debt is due to a contract or due to a crime or civil liability and tortious liability. In novation, what is important is fall of the previous obligation and establishment of the new one. Hence in novation you cannot only rely on assigning obligation with the previous status, si

APA, Harvard, Vancouver, ISO, and other styles

18

Holeček, Kajetán. "Mirror of the Community? Jews and Books of Obligations in Eger (Cheb)." Aschkenas 35, no. 1 (2025): 59–86. https://doi.org/10.1515/asch-2025-2007.

Full text

Abstract:

Abstract Typically, books of obligations are utilized as primary sources for studying the credit trade, particularly in relation to the role of Jews. Research in this area often focuses on their involvement in credit transactions, examining aspects such as loan amounts, interest rates, pledges, and similar factors. These inquiries are valid, as they shed light on the role of Jewish financiers in the medieval economy. However, in this paper, I explore a different angle: what can the books of obligations reveal about the Jewish community itself and its broader involvement in moneylending and cre

APA, Harvard, Vancouver, ISO, and other styles

19

ORLOV, VLADISLAV. "TERMINATION OF OBLIGATIONS UNDER SUBORDINATED CREDIT (DEPOSIT) AGREEMENTS IN BANKRUPTCY LEGAL RELATIONS." LEGAL BULLETIN 2, no. 7 (2022): 100–110. https://doi.org/10.5281/zenodo.11189214.

Full text

Abstract:

The provision of financial assistance to an affiliated credit institution often takes the form of a subordinated loan agreement (deposit, loan). However, in the event of the subsequent bankruptcy of such a credit institution, problems arise in protecting the interests of the parties to the agreements and their creditors, litigation, and conflicting court decisions. The main purpose of this study is to study the legal problems arising in connection with the termination of obligations under a subordinated loan (deposit) agreement in the legal relations of bankruptcy of its party (parties). The s

APA, Harvard, Vancouver, ISO, and other styles

20

Susanty, Ade Pratiwi. "Legal Problems in the Use of Banking Credit Cards in Indonesia." International Journal of Law and Public Policy 2, no. 2 (2020): 72–78. http://dx.doi.org/10.36079/lamintang.ijlapp-0202.148.

Full text

Abstract:

One of the banking products in the credit sector that is becoming a trend in Indonesia is a credit card. Almost everyone who has worked has a credit card. Credit cards are usually used to facilitate payment transactions when shopping. This research aims to explain about credit cards, credit card regulations in Indonesian laws and regulations, and legal problems in the use of banking credit cards. The method used in this research is normative legal research, using a statutory approach. The research results explain that a credit card is a card-based payment instrument that can be used to make pa

APA, Harvard, Vancouver, ISO, and other styles

21

Stikhova, Olga. "Mathematical Estimation Methods and Models for Industrial Companies." EPJ Web of Conferences 248 (2021): 03001. http://dx.doi.org/10.1051/epjconf/202124803001.

Full text

Abstract:

The collateralized debt obligations and credit default swaps applications are shown in this paper. The industry obligations secondary market risk estimation methods are considered in this work. The new methods taking into account statistically significant parameters for industrial credit derivatives portfolio are offered for single-name investment risks numerical experiments realization. The mathematical estimation of tranche were shown. The single and multiple name default obligations necessary mathematical modeling methods and formulae for the industrial materials manufacturers derivative cr

APA, Harvard, Vancouver, ISO, and other styles

22

Verónica, Garrido, Flores Miguel, and Felipe Guevara Luis. "Statistical Qualification for Approval of Commercial Credits through Generalized Additive Models." Latin-American Journal of Computing 7, no. 1 (2020): 152–71. https://doi.org/10.5281/zenodo.5730651.

Full text

Abstract:

This article presents the application of a methodological procedure for the construction of a statistical qualification model for the approval of commercial credits in a public financial institution. In this line, the main aim is to reveal the benefits of using generalized additive models (GAM), whose functional structures contemplate the possible non-linearity of the explanatory variables of credit risk in relation to compliance with the payment obligations of borrowers, compared to linear models like the logit. This topic becomes relevant in view of the need for financial institutions to hav

APA, Harvard, Vancouver, ISO, and other styles

23

Kuvaldina, T. B. "COVENANT OBLIGATIONS IN ACCOUNTING STATEMENTS." Economic Science and Humanities 364, no. 5 (2022): 18–26. http://dx.doi.org/10.33979/2073-7424-2022-364-5-18-26.

Full text

Abstract:

Credit and other agreements often provide for obligations to commit any actions or abstain from them. Such obligations are called covenants. If these conditions are not met, one of the parties to the transaction may incur financial losses due to significant changes in the terms of the contract. The article presents the results of the covenant study, examines their essence and types, and provides recommendations on the formation of accounting policy in terms of their accounting.

APA, Harvard, Vancouver, ISO, and other styles

24

Lehenchuk, Serhii, Iryna Vyhivska, and Olena Hrytsak. "The development of institutional and methodological framework for accounting of collateral operations in credit unions." Herald of Ternopil National Economic University, no. 1(91) (January 1, 2019): 209–18. http://dx.doi.org/10.35774/visnyk2019.01.209.

Full text

Abstract:

The article demonstrates a need for research into the issues of improving accounting of collateral operations in credit unions. This research paper sets out a number of unresolved issues and discussion points relevant to accounting of collateral operations, especially those linked to various types of collateral and activities of credit unions. In response to corporate scandals, some possible ways to improve the conceptual and methodological framework of accounting are identified. The authors demonstrate how further methodological advances in accounting depend on applying individual elements of

APA, Harvard, Vancouver, ISO, and other styles

25

S. Momoto, Shimada A., Ong Argo Victoria, and Kaukazu Shimura. "The Handling of Credit Problems in Bank Financial Restruction." JURNAL AKTA 11, no. 2 (2024): 273. https://doi.org/10.30659/akta.v11i2.37052.

Full text

Abstract:

The effort to minimize potential losses from problem loans is that banks can carry out credit restructuring. Implementing credit restructuring for problem loans means that debtors can again fulfill their obligations to the bank, namely in the form of paying principal installments and/or credit interest which has been given relief tailored to the debtor's capabilities. The result of credit restructuring is that the debtor's business continuity becomes viable again so that the debtor can fulfill his obligations to the bank. The obstacles that arose in the restructuring process were able to be ov

APA, Harvard, Vancouver, ISO, and other styles

26

Wei, Liu Shang. "The Credit Restructuring as a Step for Bank Financial Rescue." International Journal of Law Reconstruction 7, no. 2 (2023): 187. http://dx.doi.org/10.26532/ijlr.v7i2.33282.

Full text

Abstract:

One effort to minimize potential losses from problem loans is that banks can carry out credit restructuring. Implementing credit restructuring for problem loans means that debtors can again fulfill their obligations to the bank, namely in the form of paying principal installments and/or credit interest which has been given relief tailored to the debtor's capabilities. The result of credit restructuring is that the debtor's business continuity becomes viable again so that the debtor can fulfill his obligations to the bank. The obstacles that arose in the restructuring process were able to be ov

APA, Harvard, Vancouver, ISO, and other styles

27

Mirwansyah, Mirwansyah, Muhamad Lutfi, and Irwan Jaya Diwirya. "Perjanjian Kredit Jual Beli Kepemilikan Rumah Ditinjau Dari Kitab Undang-Undang Hukum Perdata." Viva Themis Jurnal Ilmu Hukum 6, no. 2 (2024): 231–47. http://dx.doi.org/10.24967/vt.v6i2.3294.

Full text

Abstract:

The presence of a home ownership credit system is really needed by people with low, small and medium incomes. The provision of credit by the Bank to customers to pay for house purchases is based on trust and confidence that the customer who will receive the credit is able and willing to return the credit they have received. From the description and background above, the problems arise as follows: 1. How does the Civil Code regulate the sale and purchase of home ownership through credit agreements? 2. What are the rights and obligations of the parties in a home ownership credit agreement? The m

APA, Harvard, Vancouver, ISO, and other styles

28

KOSOVA, Tetiana, Anton KURHANSKYI, and Oleksandr KUTSEV. "Restructuring as a form of settlement of problematic credit debt of banking institutions." Economics. Finances. Law 8, no. - (2023): 50–53. http://dx.doi.org/10.37634/efp.2023.8.12.

Full text

Abstract:

Definitions of credit debt restructuring of banking institutions provided in several legal acts are summarized. They are reduced to changing the essential conditions of the current credit agreement to soften the requirements for the borrower in connection with his financial difficulties, the need to create favorable conditions for him to fulfill his credit obligations. The objects of restructuring under the credit agreement are: interest rate; forgiveness of part of the debt; his debt repayment schedule; terms and amounts of repayment of the main part of the loan, fees, etc. Restructuring of t

APA, Harvard, Vancouver, ISO, and other styles

29

Favilukis, Jack, Xiaoji Lin, and Xiaofei Zhao. "The Elephant in the Room: The Impact of Labor Obligations on Credit Markets." American Economic Review 110, no. 6 (2020): 1673–712. http://dx.doi.org/10.1257/aer.20170156.

Full text

Abstract:

We show that labor market frictions are first-order for understanding credit markets. Wage growth and labor share forecast aggregate credit spreads and debt growth as well as or better than alternative predictors. They also predict credit risk and debt growth in a cross section of international firms. Finally, high labor share firms choose lower financial leverage. A model with labor market frictions and risky long-term debt can explain these findings, and produce large credit spreads despite realistically low default probabilities. This is because precommitted payments to labor make other com

APA, Harvard, Vancouver, ISO, and other styles

30

Bozhko, Alisa S., and Viktoria A. Usanova. "Division of Debt Obligations Arising as a Result of Joint Business Activities of Spouses." Family and housing law 1 (January 18, 2024): 2–5. http://dx.doi.org/10.18572/1999-477x-2024-1-2-5.

Full text

Abstract:

The article outlines certain aspects of the application of the rules of family law on the division of debt obligations arising in connection with the implementation of joint entrepreneurial activity by spouses. On the basis of interpretation of general provisions of private law the position on the possibility of attributing debts arising from entrepreneurial activities to the joint property of spouses in their division is substantiated. A number of problems complicating the equal and proportional participation of spouses in joint business, the distribution of debt obligations (proof of bad fai

APA, Harvard, Vancouver, ISO, and other styles

31

Tang, Yujie. "Analysis of the 2008 Financial Crisis in the United States." Advances in Economics, Management and Political Sciences 175, no. 1 (2025): 123–27. https://doi.org/10.54254/2754-1169/2025.21995.

Full text

Abstract:

The 2008 financial collapse in the United States was not caused by a single factor, but rather by a combination of events that led to the financial collapse and was largely influenced by subprime mortgages. Therefore, this paper focuses on subprime CDOs (collateralized debt obligations) and credit default swaps (CDSs), which led to the severe economic crisis in the U.S., respectively, by way of theoretical analysis. Collateralized Debt Obligations (CDOs) bundle together loans that represent different loans and are sold by lenders in the market. Theoretically, holders of collateralized debt obl

APA, Harvard, Vancouver, ISO, and other styles

32

Chen, Ting, Xiumin Martin, Christina A. Mashruwala, and Shamin D. Mashruwala. "The Value and Credit Relevance of Multiemployer Pension Plan Obligations." Accounting Review 90, no. 5 (2014): 1907–38. http://dx.doi.org/10.2308/accr-51010.

Full text

Abstract:

ABSTRACT We investigate whether multiemployer defined-benefit pension plan (MEPP) underfunding is priced by shareholders and creditors. Prior to the FASB's new MEPP standard (effective December 2011), when the disclosures on such plans were sparse, we find evidence (some evidence) that our estimate of a firm's share of MEPP underfunding is credit (value) relevant. We also find some evidence that a proxy for the funded status of a firm's MEPPs is incrementally value relevant over and above the firm's cash contributions, but no evidence that it is credit relevant. Furthermore, an estimate of MEP

APA, Harvard, Vancouver, ISO, and other styles

33

Putri, Putu Ayu Diah Widari, Nyoman Yudha Astriayu Widyari, and Ida Ayu Komang Tiara Pratistha Sari. "ANALYSIS OF CREDIT RESTRUCTURING POLICY IMPLEMENTATION IN THE FRAMEWORK OF NATIONAL ECONOMIC RECOVERY DUE TO COVID-19." Jurnal Revenue : Jurnal Ilmiah Akuntansi 5, no. 1 (2024): 408–19. http://dx.doi.org/10.46306/rev.v5i1.447.

Full text

Abstract:

The high credit risk during the Covid-19 pandemic requires effective solutions to maintain economic stability. To restore the economic and banking sectors, the government through the Financial Services Authority issued regulations to carry out credit restructuring. The aim of this research is to determine the implementation of credit restructuring policies and the criteria for debtors affected by Covid-19 who are entitled to credit restructuring at BPRs in Denpasar City. This research uses a case study research method. The results of this research show that the implementation of the restructur

APA, Harvard, Vancouver, ISO, and other styles

34

Mardonakulovich, Bustonov Mansurjon, and Mukhtasar Fazliddin Qizi Abdurakhmanova. "Organization of credit obligations and monitoring of commercial banks." ACADEMICIA: An International Multidisciplinary Research Journal 10, no. 5 (2020): 1635. http://dx.doi.org/10.5958/2249-7137.2020.00312.2.

Full text

APA, Harvard, Vancouver, ISO, and other styles

35

Baxriddin Jurayevich, Mahmudov, and Abdurakhmanova Mukhtasar Fazliddin qizi. "ORGANIZATION OF CREDIT OBLIGATIONS AND MONITORING OF COMMERCIAL BANKS." International Journal of Business, Law, and Education 1, no. 1 (2020): 26–32. http://dx.doi.org/10.56442/ijble.v1i1.5.

Full text

Abstract:

Stability of the socio-economic conditions in the country, the rule of law, the size of the domestic market, rich natural resources, high intellectual potential, stability of the banking and financial system, development of infrastructure and logistics, flexibility of tax policy, participation of foreign investors in the privatization process, foreign capital privileges and preferences, such as the provision of additional facilities to the enterprises with the participation of foreign investors it serves as an important decision in favor of Development and strengthening of the banking system h

APA, Harvard, Vancouver, ISO, and other styles

36

Ferretti, Federico. "Peer-to-Peer Lending and EU Credit Laws: A Creditworthiness Assessment, Credit-Risk Analysis or … Neither of the Two?" German Law Journal 22, no. 1 (2021): 102–21. http://dx.doi.org/10.1017/glj.2020.100.

Full text

Abstract:

AbstractThe Article deals with the protection of consumer borrowers and lending investors in peer-to-peer lending within the legal framework provided by EU credit laws. This is the legal framework for EU Member States in the area of loans to consumers. In particular, the article analyses the business model of taking lending decisions on financial technologies (“Fintech”) and big data vis-à-vis the legal obligation of the creditworthiness assessment by lenders. At the same time, it extends the applicability of such a business model to the credit-risk analysis undertaken in the interest of lende

APA, Harvard, Vancouver, ISO, and other styles

37

Jørgensen, Tanja. "Credit Advice." European Review of Private Law 20, Issue 4 (2012): 961–88. http://dx.doi.org/10.54648/erpl2012062.

Full text

Abstract:

Abstract: There is an increasing focus on the giving of credit advice. Under the 2008 Consumer Credit Directive, there is an obligation to give consumers 'adequate explanations'. The 2011 proposal for a Directive on credit agreements relating to residential property not only gives notice of a corresponding obligation but also proposes laying down 'advice standards' for housing loans. Such credit advice can be necessary in an ever more complex financial market, characterized by over-indebtedness, and it can ensure that the recipient of the advice makes the decision that is most advantageous for

APA, Harvard, Vancouver, ISO, and other styles

38

Akbar, Citra. "KAJIAN HUKUM TERHADAP DEBITUR DALAM PELUNASAN KREDIT MENGENAI HAK TANGGUNGAN." Jurnal Globalisasi Hukum 1, no. 1 (2024): 38–58. http://dx.doi.org/10.25105/jgh.v1i1.19830.

Full text

Abstract:

Economic life is inseparable from daily life in running a business to create prosperity, and one way to do this is through borrowing capital. However, obtaining capital is not easy; it requires a process and collateral to secure the loan. One of the avenues to obtain capital is through bank loans. Banks, as financial institutions, provide capital to facilitate access to credit. In this process, banks often require collateral. In the execution of credit facilities, debtors who have repaid business loan credits with collateral such as land certificates and building certificates at a bank are ent

APA, Harvard, Vancouver, ISO, and other styles

39

Niczyporuk, Piotr. "Przywilej dla kredytobiorców w postaci tzw. Wakacji kredytowych w okresie pandemii koronawirusa (COVID-19) – wybrane zagadnienia." Studia Iuridica, no. 88 (December 13, 2021): 267–83. http://dx.doi.org/10.31338/2544-3135.si.2021-88.14.

Full text

Abstract:

The “Credit Holidays ”is quite an interesting institution that has been regulated by law. In the period of the spread of the COVID-19 pandemic, bearing in mind the difficulties in repaying liabilities to banks, initially on the part of the Polish Bank Association and the banks themselves, there were proposals to postpone repayment of principal and interest instalments or principal instalments. In this way, “non-statutory credit holidays” were created, and it was up to the lender and the borrower to specify the necessary contractual changes. As part of the so-called “anti-crisis shields” have b

APA, Harvard, Vancouver, ISO, and other styles

40

Van Heerden, C., and A. Boraine. "The Interaction between the Debt Relief Measures in the National Credit Act 24 of 2005 and Aspects of Insolvency Law." Potchefstroom Electronic Law Journal/Potchefstroomse Elektroniese Regsblad 12, no. 3 (2017): 21. http://dx.doi.org/10.17159/1727-3781/2009/v12i3a2733.

Full text

Abstract:

The National Credit Act 34 of 2005 (the 'NCA') aims at promoting responsibility in the credit market by encouraging responsible borrowing, avoidance of over-indebtedness and the fulfilment of financial obligations by consumers, and at discouraging reckless credit granting by credit providers and contractual default by consumers. Although a further aim is to address over-indebtedness by debt review, for instance, this mechanism is based on the principle of satisfaction of the consumer's responsible financial obligations in full. In a recent judgment, Ex parte Ford 2009 (3) SA 376 (WCC), the cou

APA, Harvard, Vancouver, ISO, and other styles

41

Pakpahan, Joel Fredly, and Debora Debora. "Efforts to Resolve Breach of Contract in Banking Credit Agreements (A Study of Decision No. 4/Pdt.G.S/2024/PN. Trt)." Journal of Humanities Education Management Accounting and Transportation 2, no. 1 (2025): 717–21. https://doi.org/10.57235/hemat.v2i1.5203.

Full text

Abstract:

The granting of credit by banks to debtors is not solely based on trust but also adheres to the principle of prudence, taking into account the risks and feasibility of the debtor. One crucial step in credit agreements is the application of the 5C principles (Capacity, Capital, Character, Collateral, Condition), aimed at assessing the debtor's ability and suitability to fulfill their obligations. However, in the implementation of credit agreements, defaults or breaches of contract by debtors often occur, whether due to negligence, intentional actions, or force majeure. Defaults may include the

APA, Harvard, Vancouver, ISO, and other styles

42

Burkovskaya, A., and V. Pavlenko. "Use of Letter of Credit Form of Settlements in Ukraine." Modern Economics 24, no. 1 (2020): 39–44. http://dx.doi.org/10.31521/modecon.v24(2020)-06.

Full text

Abstract:

Annotation. Introduction. The current state of Ukraine’s development provides broad conditions for enterprises in world trade, so the question arises how to minimize the risks of trade operations. The presence of risks and an unstable external environment can lead to non-fulfillment of obligations by the parties to the contracts. Therefore, the study of the letter of credit system for services is relevant because it will be able to ensure minimal cost risk. Purpose. The purpose of this article is to study the letter of credit as one of the reliable mechanisms for payment of foreign trade opera

APA, Harvard, Vancouver, ISO, and other styles

43

Ramzaeva, E. P., and O. V. Kravchenko. "THE ANALYSIS OF THE SECTOR OF RETAIL LENDING OF RUSSIAN BANKS DURING THE PANDEMIC PERIOD OF 2020." Vektor nauki Tol'yattinskogo gosudarstvennogo universiteta. Seriya Ekonomika i upravlenie, no. 2 (2021): 41–46. http://dx.doi.org/10.18323/2221-5689-2021-2-41-46.

Full text

Abstract:

Lending to the population is an essential part of the country’s economic system, its development in the global financial market. Due to the steady downward trend in economic growth and real incomes of the population, the spread of the coronavirus pandemic in the Russian Federation in 2020, the issue of fulfillment by the borrowers their obligations to banks became relevant. Many consumers of credit services were unable to fulfill their obligations in full and in due time, which led commercial banks to the most significant risk – credit one. The study considers the main aspects of the functioni

APA, Harvard, Vancouver, ISO, and other styles

44

Brits, Reghard. "The National Credit Act's remedies for reckless credit in the mortgage context." Potchefstroom Electronic Law Journal / Potchefstroomse Elektroniese Regsblad 21 (January 15, 2018): 1–34. http://dx.doi.org/10.17159/1727-3781/2018/v21i0a2955.

Full text

Abstract:

The National Credit Act prohibits the granting of reckless credit and also provides for certain remedies that courts can grant to consumers who have fallen victim to reckless lending practices. Depending on the circumstances, these remedies are the partial or full setting aside of the consumer's rights and obligations under the agreement; the temporary suspension of the effect of the agreement; and the restructuring of the consumer's obligations. This article investigates these remedies with a focus on the effect that they would have on a creditor provider under a mortgage agreement. The argum

APA, Harvard, Vancouver, ISO, and other styles

45

Babaskin, Anatoliy. "Legal nature of the requirements of the banking legislation of Ukraine to ensure credit operations of banks." Yearly journal of scientific articles “Pravova derzhava”, no. 32 (2021): 297–305. http://dx.doi.org/10.33663/0869-2491-2021-32-297-305.

Full text

Abstract:

Іintroduction. Despite the fact that a significant number of scientific publications by well-known Ukrainian authors are devoted to the issues of legal regulation of credit obligations, at the same time separate studies of banking legislation requirements on "acceptability of collateral" have not been conducted in Ukrainian civil science in recent years. This, taking into account the gradual alignment of banking legislation of Ukraine with the standards of Basel III, and Directive 2002/47 / EC of the European Parliament and of the Council of 6 June 2002 on financial collateral mechanisms, nece

APA, Harvard, Vancouver, ISO, and other styles

46

Zakharkina, A. V. "Escrow Agreements (Ascrow) as the Basis for a New Complex Obligation." Lex Russica, no. 4 (May 2, 2019): 68–77. http://dx.doi.org/10.17803/1729-5920.2019.149.4.068-077.

Full text

Abstract:

The paper is devoted to the scientific and practical apprehension of implementation of a new contractual design substantiating a complex obligation, namely, an escrow agreement, and its separation from similar civil law designs (such as escrow account, nominal account, storage, letter of credit, depositing of funds and securities to the notary public, etc.). Prior to introducing the escrow agreement, its existence in the property turnover was actually enforced by the escrow account rules introduced into civil law during the reform of the law of obligations. There is a close legal relationship

APA, Harvard, Vancouver, ISO, and other styles

47

AlHares, Aws, Ali Al-Mohannadi, Tarek Abu-Asi, Yousef AlBaker, and Fatima Al Malki. "Earnings quality and trade credit in the Gulf Cooperation Council." Journal of Governance and Regulation 12, no. 3 (2023): 128–38. http://dx.doi.org/10.22495/jgrv12i3art14.

Full text

Abstract:

The primary concern of credit providers is the timely payment of obligations by clients, as most clients tend to pay their obligations late. To obtain accurate information from their buyers, credit providers need to rely on financial reporting or other information channels. The purpose of this study is to investigate the impact of earnings quality on trade credit, with a focus on the moderating role of accounting information comparability. We used Refinitiv Eikon and Fitch Connect databases to measure the variables. The study utilized financial information from 250 companies listed on the Gulf

APA, Harvard, Vancouver, ISO, and other styles

48

Jalilian, Negar, Seyed Mahmoud Zanjirchi, and Mark Goh. "Interactive scenario analysis of banking credit risks in intuitive fuzzy space." Journal of Modelling in Management 15, no. 1 (2019): 257–75. http://dx.doi.org/10.1108/jm2-01-2019-0011.

Full text

Abstract:

Purpose The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of uncommitted bank earnings. Credit risk has a significant impact on the stability of the banking system. This paper identifies the types of credit risk in the banking supply chain. Design/methodology/approach The authors model the types of credit risk using the intuitive fuzzy failure modes and effects analysis (IFMEA) and intuitive fuzzy cognitive mapping. The population of the study that is needed for the interviews

APA, Harvard, Vancouver, ISO, and other styles

49

Choma, Hlako, Thifulufhelwi Cedric Tshidada, and Tshegofatso Kgarabjang. "The impact of the credit legislation on consumers." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 503–9. http://dx.doi.org/10.22495/rgcv6i4siart8.

Full text

Abstract:

The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1) and 130 (3) of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1) (a) notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears). On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The

APA, Harvard, Vancouver, ISO, and other styles

50

Azimi, Dariosh, and Younes Badavar Nahandi. "Investigating the relationship between credit risk indicators and timely fulfillment of the customers' obligations (a case study of bank sepah branches in east Azerbaijan and Ardabil regions)." International Journal of Accounting and Economics Studies 5, no. 2 (2017): 80. http://dx.doi.org/10.14419/ijaes.v5i2.7737.

Full text

Abstract:

This research was conducted with the aim to investigate and identify the relationship between credit risk indicators and timely fulfillment of the legal customers’ obligations of Sepah Bank. To do this, credit data and financial ratios of 370 cases of Sepah’s Bank legal customers who had used credit services of Sepah Bank branches in East Azerbaijan and Ardabil regions during a period from 2012-2014 were collected. In this respect, data related to 27 financial ratios as explanatory variables of 370 cases of the mentioned sample were extracted from their credit files and were selected to be tes

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!