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Journal articles on the topic 'Credit potential'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Hesti, Werdaningtyas, Alam Awirya Agni, Azifah Dienillah Azka, and Idzni Igawati Cahya. "Household Debt Behavior and Response to Interest Rates and LTV Policy." Economics and Business Quarterly Reviews 5, no. 3 (2022): 41–53. https://doi.org/10.31014/aior.1992.05.03.434.

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Household debt has a significant role in influencing financial stability. This study aims to determine the impact of household characteristics and interest rates on household credits. Furthermore, determine the impact of the amount of LTV policies on interest rates on growth and potential risks of home loans and household credits. The study uses data from the Financial Services Authority (OJK), namely Financial Institution Information System, and data Household Balance Survey from 2017 to 2019. This study uses two steps: ordinary least squares (OLS) and autoregressive distributed lag (ARDL). I

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Hasan, Md Rashidul, and Md Zakir Hossain. "Factors Affecting Formal Micro-Credits in the Wetland Regions of Bangladesh: A Discriminant Analysis." International Journal of Statistical Sciences 24, no. 2 (2024): 85–96. https://doi.org/10.3329/ijss.v24i2.77992.

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Micro-credit has been playing a vital role in developing wetland people’s socio-economic status by facilitating their income-generating activities such as seasonal fish farming, raising ducks and cattle, and floating vegetable gardens. Wetland people’s livelihoods are largely dependent on borrowing micro-credits, but access to formal credits is somewhat intricate for them due to procedural complexity. Therefore, this study aims to explore the potential discriminating factors of formal credits in the wetland region of Bangladesh. This study used data from 1607 micro-credit receiver households t

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Fazio, Catherine, Jorge Guzman, and Scott Stern. "The Impact of State-Level Research and Development Tax Credits on the Quantity and Quality of Entrepreneurship." Economic Development Quarterly 34, no. 2 (2020): 188–208. http://dx.doi.org/10.1177/0891242420920926.

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U.S. states often cite the acceleration of start-up activity as a rationale for the research and development (R&D) tax credit. While a strong empirical base links the R&D tax credit to increased innovation, prior work provides no causal evidence that the credit effects the rate of formation and growth potential of new businesses. This article combines data from the Startup Cartography Project with the Panel Database on Incentives and Taxes to implement a difference-in-differences estimate of the impact of state R&D tax credits on the quantity and quality-adjusted quantity of entrep

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Kabayiza, A., G. Owuor, K. J. Langat, P. Mugenzi, and F. Niyitanga. "Does credit utilization lead to increasing farm outcome? a micro-perspective of tea production from Rwanda." Agro-Science 20, no. 2 (2021): 92–100. http://dx.doi.org/10.4314/as.v20i2.15.

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Credit is a crucial factor for tea growers to pay for physical farm inputs mainly input fertilizers, research and development of high yielding tea clones and labour in order to improve the production of green tea leaf and to meet factories’ demand for raw materials. However, mismanagement of accessed credits by farmers has been reported among the snags affecting the sector development. The study analyzed the determinants and impact of credit utilization on farm income among smallholder tea growers in Nyaruguru District, Rwanda. Crosssectional tea household level data were collected from 358 fa

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Maran, Maran. "Impact of Interest Loan, Growth of Regional Gross Domestic Product, Inflation and Economic Growth on Loans at Credit Union in West Kalimantan, Indonesia." Journal of Asian Multicultural Research for Economy and Management Study 2, no. 3 (2021): 37–47. http://dx.doi.org/10.47616/jamrems.v2i3.119.

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Loans or credits offered by Kopdit credit unions are a potential source of funds that need to be developed, to help accelerate the home industry and the micro and small economies. Therefore, we want to see the impact of several conditions such as the loan interest rate, GDP per capita growth, inflation rate and economic growth. Quite a number of studies have looked at the impact of interest rates, GDP growth, inflation rates and economic growth on loans or credits to banks or banking institutions. We do not look at credit or loans from banks, but on Kopdit credit unions (CU). The results of ou

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SMIRNOV, Valerii V. "Potential of credit organizations in modern Russia." Economic Analysis: Theory and Practice 24, no. 1 (2025): 125–37. https://doi.org/10.24891/ea.24.1.125.

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Subject. The article investigates the potential of credit institutions. Objectives. The aim is to determine the potential of credit institutions in modern Russia. Methods. The study draws on general scientific methods, i.e. data analysis and synthesis, and special economic and mathematical methods, in particular, correlation and regression, neural network, and cluster analysis. Results. The potential of credit institutions in modern Russia is determined by the actions of the Bank of Russia to target inflation. The paper established a significant increase in the strength of credit institutions

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Aiyegbeni, Gifty, Yang Li, Joseph Annan, and Funminiyi Adebayo. "Credit Rating Prediction Using Different Machine Learning Techniques." International Journal of Data Science and Advanced Analytics 5, no. 5 (2023): 219–38. http://dx.doi.org/10.69511/ijdsaa.v5i5.193.

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Credit rating prediction is a crucial task in the banking and financial industry. Financial firms want to identify the likelihood of customers repaying loans or credit. With the advent of machine learning algorithms and big data analytics, it is now possible to automate and improve the accuracy of credit rating prediction. In this research, we aim to develop a machine learning-based approach for customer credit rating prediction. Machine learning algorithms, including decision trees, random forests, support vector machines, and logistic regression, were evaluated and compared in terms of accur

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Researcher. "BLOCKCHAIN-ENABLED CARBON CREDIT TRADING: REVOLUTIONIZING SUSTAINABILITY EFFORTS." International Journal of Research In Computer Applications and Information Technology (IJRCAIT) 7, no. 2 (2024): 228–38. https://doi.org/10.5281/zenodo.13950694.

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This article examines the transformative impact of blockchain technology on carbon credit trading, focusing on its potential to enhance sustainability efforts and market efficiency. By leveraging decentralized ledgers, organizations can now transparently track and report their carbon emissions while participating in carbon credit markets with unprecedented ease and trust. The article explores blockchain's role in creating digital tokens representing carbon credits, facilitating seamless trading processes, and ensuring credit legitimacy. It delves into current market dynamics, including trading

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Gittell, Ross, and Edinaldo Tebaldi. "Are Research and Development Tax Credits Effective? The Economic Impacts of A R&D Tax Credit in New Hampshire." Public Finance and Management 8, no. 1 (2008): 70–101. http://dx.doi.org/10.1177/152397210800800103.

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This paper uses detailed study of a proposed research and development (R&D) tax credit in one U.S. state, New Hampshire, to gain insight on an important public finance issue: the motivations for and the economic costs and benefits of R&D tax credits. the paper reviews the policy considerations and assesses the potential economic impacts of enacting a proposed R&D tax credit in New Hampshire in 2006. Policy analysis and formal economic modeling of the economic costs and benefits of alternative R&D tax credit policies are provided for New Hampshire. This includes estimates of the

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Mohammed, Mohammed Jassem, Rahmah Ismail, and Ruzian Markom. "Potential Jurisprudential Adaptation for the Tripartite Credit Card Transaction from an Islamic Perspective." Arab Law Quarterly 28, no. 4 (2014): 317–65. http://dx.doi.org/10.1163/15730255-12341286.

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The credit card represents one of the most important financial instruments at present. The credit card concept originated and was developed in the West under the rules of conventional law. Over time the credit card has invaded the Islamic markets. A credit card transaction does not fall under any of the known financial contract categories in Islamic principles. Therefore, determining the Islamic rulings and finding a jurisprudential adaptation for such credit card transactions is essential for clarifying relevant jurisprudential rulings, as one cannot specify whether a specific transaction is

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Schmaltz, Christian, and Periklis Thivaios. "Are Credit Default Swaps Credit Default Insurances?" Journal of Applied Business Research (JABR) 30, no. 6 (2014): 1819. http://dx.doi.org/10.19030/jabr.v30i6.8900.

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No, they are not. Although they exhibit similar cash flow patterns (economic perspective) this article argues that from a legal, accounting and regulatory perspective credit default swaps (CDS) are not considered to be an insurance contract. The protection buyer of a CDS is eligible to obtain the compensation without suffering any loss (and potentially realizing a gain) whereas insurance policies only pay out to compensate a loss (and not potentially realizing a gain). This disconnect between protection and exposure is the source for potential over-coverage. Furthermore, the concentrated set o

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Björkegren, Daniel, and Darrell Grissen. "The Potential of Digital Credit to Bank the Poor." AEA Papers and Proceedings 108 (May 1, 2018): 68–71. http://dx.doi.org/10.1257/pandp.20181032.

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Many households in developing countries lack access to credit: physically providing small loans to poor and remote populations is costly. However, the digitization of developing countries enables a new model: digital credit delivered directly via mobile phones. Mobile money enables inexpensive financial transfers, and mobile phones capture behavior that can predict repayment when mined with machine learning. This paper evaluates the potential for digital credit to reach those excluded from current financial systems.

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Hassan, Salwana, Md Mahmudul Alam, and Rashidah Abdul Rahman. "An Estimation of Market Size for Microfinance: Study on the Urban Microentrepreneurs in Selangor, Malaysia." Asian Social Science 11, no. 27 (2015): 269. http://dx.doi.org/10.5539/ass.v11n27p269.

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<p>Malaysia is a fast growing developing country where majority of the people are Muslim. Due to the religious bindings, Muslim prefers <em>Shariah</em> compliant Islamic credits instead of conventional interest based credits. At the same time, non-Muslims can also consider <em>Shariah</em> compliant Islamic credit because it is considered as the ethical credit. However, still many microentrepreneurs are not receiving the <em>Shariah</em> compliant Islamic microfinance products because they have negative perceptions about the credit and interest (<e

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Gunes, Erdogan, and Hormoz Movassaghi. "Agricultural Credit Market and Farmers’ Response: A Case Study of Turkey." Turkish Journal of Agriculture - Food Science and Technology 5, no. 1 (2017): 84. http://dx.doi.org/10.24925/turjaf.v5i1.84-92.951.

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Agriculture is an important sector in Turkey’s economy. Access to credit financing is critical for timely acquisition of different inputs, farm productivity, and ultimately farmers’ financial well-being. Historically, Ziraat Bank and Agricultural Credit Cooperatives, supported by Turkish government, have been the principle supplier of loanable funds in the agricultural sector. However, since 2000, many private banks have discovered the potential of this market and entered the competition. This study was designed to investigate the structure of the agricultural credit market in Turkey and ident

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McKenzie, Andrew M., and Eugene L. Kunda. "Managing Price Risk in Volatile Grain Markets, Issues and Potential Solutions." Journal of Agricultural and Applied Economics 41, no. 2 (2009): 353–62. http://dx.doi.org/10.1017/s1074070800002832.

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During 2008 extreme price volatility in grain markets led to country elevators incurring unprecedentedly large margin calls on their futures hedges. As a result elevators' traditional liquidity sources and lines of credit were stretched to breaking point. This article explores the potential liquidity benefits of making available an Over-the-Counter Margin Credit Swap contract to grain hedgers. The swap would enable hedgers to draw upon sources of capital outside the farm credit system to provide liquidity needed to make margin calls. Simulation results clearly show that a Margin Credit Swap co

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Stępińska, Joanna. "Credit Borrower Sector of Economy and Credit Risk For Banks." Journal of Finance and Financial Law 4, no. 44 (2024): 95–128. https://doi.org/10.18778/2391-6478.4.44.06.

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The purpose of the article. Business entities in different industries operate differently. Therefore, different sectors are characterized, among other things, by different profitability, the need for external financing, and, consequently, a different level of risk of default on credit commitments to banks. Borrowers from specific industries may be, from the perspective of banks' interests, better or worse customers and contribute to strengthening or weakening the quality of their credit portfolios. The purpose of the article is to compare sections of the economy in terms of the credit risk acc

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17

Bedini, Matteo L., and Michael Hinz. "Credit default prediction and parabolic potential theory." Statistics & Probability Letters 124 (May 2017): 121–25. http://dx.doi.org/10.1016/j.spl.2017.01.009.

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18

Adejo, P. E., J. A. Olowogbayi, and C. Akubo. "Analysis of credit demand and supply markets among youth farmers in Agro-ecological zone B, Kogi State, Nigeria." ADAN Journal of Agriculture 1, no. 1 (2020): 1–10. http://dx.doi.org/10.36108/adanja/0202.10.0110.

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There has been a shift of dominance in the sources of credit markets in Nigeria from the Government to the private sector. Inadequacy of capital has been identified as one of the constraints faced by youth farmers. This research work aimed to analyse credit demand and supply markets among youth farmers. Data collected were analyzed using descriptive, multiple regression and Z-test. Most credits were sourced through informal souces by the youth farmers. Personal savings(65%), RoSCAs (52.5%) and Money lender(50.8%) respectively are from the informal sources while LAPO (42%) and even commercial b

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Budiyono, Budiyono, Yeti Sumiyati, Ahmad Syauqi Suhada, Ratna Januarita, and Syuhaeda Aeni Mat Ali. "Potential Abuse of Unaccountable Management of One-Person Company in Banking Loan Agreement." Kosmik Hukum 25, no. 2 (2025): 221–32. https://doi.org/10.30595/kosmikhukum.v25i2.25522.

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One of the new legal subjects in Indonesian corporate law based on Law Number 6 of 2023 on the Stipulation of Government Regulation in Lieu of Law Number 2 of 2022 on Job Creation into Law (Job Creation Law) is a One-Person Company (which is then written as OPC), which is a legal entity that meets the criteria of micro and small businesses. This review aims to analyse the management mechanism of an OPC under the Job Creation Law, which is linked to the Principle of Accountability in banking credit agreements. The management mechanism of a One-Person Company under the Job Creation Law is unclea

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Marku, Egerta. "Rural Microcredit: Evidences From Albania." European Scientific Journal, ESJ 12, no. 10 (2016): 104. http://dx.doi.org/10.19044/esj.2016.v12n10p104.

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The purpose of this paper is to analyse the issues and concerns of Albanian rural credit, which is a powerful tool for enhancing production and productivity and for poverty alleviation. Further it highlights some of the strategies adopted by the Albanian government to increase the rural credit facilities in the rural area of Albania. The various problems faced by the farmers in applying for loans are analysed in detail. Rural credits serve as a tool for providing a sustainable livelihood for people who lives in these areas. Several organisations and Microfinance Institutions,. are playing a ma

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Al-Nsour, Rania, and Murad Abuaddous. "A Comparison Study between IFRS 9 and IAS 39 in GCC Countries." European Journal of Business and Management Research 7, no. 6 (2022): 7–13. http://dx.doi.org/10.24018/ejbmr.2022.7.6.1687.

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IFRS 9 was introduced as a replacement for IAS 39, which spurred a wide debate since its implementation. This study aims to show the impact of IFRS 9 on the performance, solvency, credit ratio, capital adequacy ratio, expected credit loss, non-performing credits and write-offs for local banks operating within the Gulf Cooperation Council. To achieve the objectives of this study, data from financial disclosures was collected for 53 GCC banks for the period 2012-2020, which had 477 years of observation. The cross-sectional data was analyzed using the logit model (panel logistic regression model)

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Lesmana, Ceta Indra. "SHARIA CREDIT RISKS." Multifinance 1, no. 3 (2024): 192–201. http://dx.doi.org/10.61397/mfc.v1i3.111.

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Alleviation poverty, especially among women, is a serious challenge in Indonesia. Finance microsharia emerged as a potential solution. For empowerment, women should approach sharia credit. This article discusses necessary risks noticed, like credit traffic jams, fraud, and risk reputation, in development finance microsharia. Management good risk has become a key continuity business. Apart from that, the importance of education and literacy finance, supporting the government, and partnerships with various parties in increasing the contribution of women to overcome poverty through Sharia credit

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Akbar, Auki, and Riza Adrianti Supono. "Prediksi Kelancaran Piutang Pelanggan pada PT. Citra Ina Feedmill dengan Menggunakan Algoritma Naïve Bayes dan K-Nearest Neighbors." JURNAL ILMIAH EDUNOMIKA 6, no. 1 (2022): 558. http://dx.doi.org/10.29040/jie.v6i1.4692.

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Giving credit to customers is a solution that is often done by business actors today, such as companies. By offering credit solutions, companies can attract potential customers and make it easier for customers to make payments. However, being able to provide credit to customers can cause losses for the company when customers are unable to pay their periodic credits. For this reason, in this study an analysis was carried out to categorize customer payment capabilities using the Naïve Bayes Algorithm and the K-Nearest Neighbors Algorithm. The results of the study, obtained the best data mining m

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Sarfo, Yaw, Oliver Musshoff, Ron Weber, and Michael Danne. "Farmers’ willingness to pay for digital and conventional credit: Insight from a discrete choice experiment in Madagascar." PLOS ONE 16, no. 11 (2021): e0257909. http://dx.doi.org/10.1371/journal.pone.0257909.

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In recent decades, microfinance institutions with financial products designed for low income groups have been established all over the world. However, credit access for farmers in developing countries remains low. Digital financial services are rapidly expanding globally at the moment. They also bear great potential to address the credit needs of farmers in remote rural areas. Beyond mobile money services, digital credit is successively offered and also discussed in literature. Compared to conventional credit which is granted based on a thorough assessment of the loan applicant’s financial sit

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Deari, F., and V. V. Lakshina. "Factors Determining Trade Credit Dynamics During Crisis: Panel Data Analysis for Macedonian Firms." Finance: Theory and Practice 23, no. 2 (2019): 17–30. http://dx.doi.org/10.26794/2587-5671-2019-23-2-17-30.

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The study is aimed at determining the factors influencing the trade credits dynamics for twenty three firms registered on the Macedonian Stock Exchange, as well as at checking for crisis effects from 2011 to 2015. The study includes a review of the literature on commercial credit factors; elaborately analyzed descriptive statistics of the collected data and dependent variable variance; tests for unobservable effects and their functional form; evaluation of panel regression and interpretation of the results. The authors have proved that net trade credits for these firms depends mainly on the gr

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El Ebrashi, Raghda, Rania Salem, Dina El Kayaly, and Noha El-Bassiouny. "What potentials does Islamic micro-credit have?" Journal of Islamic Marketing 9, no. 2 (2018): 305–28. http://dx.doi.org/10.1108/jima-03-2017-0027.

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PurposeThis paper aims to investigate the role of demographics and sector type in determining consumer preferences of Islamic micro-credit products, namely,MusharkaandMurabha, versus conventional micro-credit financing in Egypt.Design/methodology/approachThis research is a quantitative study that uses surveys on 1,125 current micro-credit consumers in Cairo and Upper Egypt using multi-staged cluster sampling technique. Descriptive and inferential analyses were used to explain results.FindingsThe study revealed the potential ofMusharkamode of financing among micro-credit borrowers in Egypt, spe

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Figlioli, Bruno, Rafael Moreira Antônio, and Fabiano Guasti Lima. "Stock Price Synchronicity and Current and Potential Credit Ratings." International Journal of Economics and Finance 11, no. 10 (2019): 1. http://dx.doi.org/10.5539/ijef.v11n10p1.

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This study examines whether the stock prices reflet the relevant information on the companies&acute;current and potential credit ratings. This investigation was carried out from the construct of stock price synchronicity, that is, the more the stock prices reflect the specific information of a certain company, the less the synchronicity of these prices in relation to the market general information tends to be. It would imply that the stock prices tend to be more informative on the companies&acute;potential in generating future economic benefit and on their risk levels. For carrying out

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Smith, Natalie. "How Tax Credits Can Support Formerly Incarcerated Individuals and Their Families." ANNALS of the American Academy of Political and Social Science 701, no. 1 (2022): 134–50. http://dx.doi.org/10.1177/00027162221114232.

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Tax credits like the Earned Income Tax Credit (EITC) can provide vital income support to people returning to their communities following incarceration. But the current design of the EITC prevents many from accessing the income support that it provides. In this article, I propose expanding the EITC so that it better serves communities that have been harmed by punitive criminal legal policy. An expanded EITC could raise the incomes of community members returning from incarceration by 8 to 40 percent and raise the incomes of some caregiving families by 20 to 35 percent. I also consider the potent

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Badylevich, Roman V., and Elene A. Verbinenko. "FEATURES OF THE FORMATION AND USE OF THE POTENTIAL OF CREDIT INSTITUTIONS OF THE REGIONS OF THE RUSSIAN ARCTIC IN THE CONDITIONS OF FINANCIAL INSTABILITY IN 2022." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/1, no. 131 (2022): 59–70. http://dx.doi.org/10.36871/ek.up.p.r.2022.11.01.007.

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The article is devoted to the formation and use of the potential of credit institutions in the regions of the Arctic zone of the Russian Federation (AZRF). Within the framework of the study, some aspects of the methodology for the formation and use of the potential of credit institutions are presented, an assessment of the formation and use of the potential of credit institutions in the Russian Federation in 2021–2022 is given, quantitative characteristics of the formation and use of the potential of credit institutions in the Arctic zone of the Russian Federation are investigated. The analysi

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Osabohien, Romanus, Adesola Afolabi, and Abigail Godwin. "An Econometric Analysis of Food Security and Agricultural Credit Facilities in Nigeria." Open Agriculture Journal 12, no. 1 (2018): 227–39. http://dx.doi.org/10.2174/1874331501812010227.

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Background:It is a known fact that the efficiency of credit facility positively contributes to production base of a sector, especially the Nigerian agricultural sector which is recognised as the heartbeat of the economy by employing over 70% of the country’s labour force; this forms the motivation for this study.Objective:This study examined the potential of agricultural credit facilities in terms of commercial bank credit to agriculture and agricultural credit guarantee scheme fund (ACGSF) and their corresponding interest rates to farmers towards increasing agricultural production as the path

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Badylevich, R. V., and E. A. Verbinenko. "ANALYSIS OF CREDIT INSTRUMENTS FOR INCREASING FINANCIAL AND INVESTMENT POTENTIAL OF THE REGION." Север и рынок: формирование экономического порядка 70, no. 4/2020 (2020): 161–73. http://dx.doi.org/10.37614/2220-802x.4.2020.70.014.

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The article is devoted to analyzing credit instruments for increasing the financial and investment potential of the region. The place of credit instruments in the state monetary policy system is considered, and the influence of the monetary policy on regional economic processes is analyzed. Based on the analysis of the relevant research works, the thesis on different reactions of regions to significant decisions of monetary authorities while implementing the monetary policy is confirmed. Possibilities of differentiating application of the monetary policy instruments by territories in accordanc

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Singh, Dr Shanu. "Carbon Credits as Market-Based Instruments for Climate Mitigation: Global Trends, Challenges, and Policy Perspectives for India." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem51120.

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Carbon credits have become important as a result of efforts to reduce climate change by reducing greenhouse gas (GHG) emissions. Carbon credits represent a way to incentivize individuals and companies to reduce their GHG emissions by providing financial rewards for doing so. The value of carbon credits has increased in recent years due to the growing awareness of the need to reduce GHG emissions and the implementation of regulations, such as the Paris Agreement, that aim to limit global warming. As more companies and governments commit to reducing their carbon footprint, the demand for carbon

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Anagnostou, Ioannis, Sumit Sourabh, and Drona Kandhai. "Incorporating Contagion in Portfolio Credit Risk Models Using Network Theory." Complexity 2018 (2018): 1–15. http://dx.doi.org/10.1155/2018/6076173.

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Portfolio credit risk models estimate the range of potential losses due to defaults or deteriorations in credit quality. Most of these models perceive default correlation as fully captured by the dependence on a set of common underlying risk factors. In light of empirical evidence, the ability of such a conditional independence framework to accommodate for the occasional default clustering has been questioned repeatedly. Thus, financial institutions have relied on stressed correlations or alternative copulas with more extreme tail dependence. In this paper, we propose a different remedy—augmen

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Schmidt, Reinhard H., and Claus-Peter Zeitinger. "Prospects, problems and potential of credit-granting NGOs." Journal of International Development 8, no. 2 (1996): 241–58. http://dx.doi.org/10.1002/(sici)1099-1328(199603)8:2<241::aid-jid369>3.0.co;2-r.

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Vatta, Kamal, Arjinder Kaur, Baljinder Kaur Sidana, Preet Kamal Singh Bhangu, and Amandeep Kaur. "Agricultural credit in Punjab: Trends and future potential." Agricultural Economics Research Review 35, conf (2022): 61–73. http://dx.doi.org/10.5958/0974-0279.2022.00019.2.

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Bazilinska, Olena. "STRATEGIC MANAGEMENT OF А BANKING INSTITUTION CREDIT POTENTIAL". Problems and prospects of economics and management, № 3(35) (2023): 173–82. http://dx.doi.org/10.25140/2411-5215-2023-3(35)-173-182.

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Prandipa, Rayza, and Dedy Dwi Prastyo. "Predictive Analytics of Rural Bank Quality Credit." Eduvest - Journal of Universal Studies 5, no. 2 (2025): 1930–41. https://doi.org/10.59188/eduvest.v5i2.50826.

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Credit is the main business of rural banks. Credit distribution cannot be separated from the risk of default by the debtor which has an impact on reducing credit quality. Worsening credit quality has the potential to reduce bank income because the bank's main income comes from loan interest income. Apart from that, worsening credit quality also has an impact on increasing the burden of provisions for losses on productive assets. One effort that can be made to minimize credit risk is to predict credit quality so that you can identify early the potential for a decline in credit quality. This res

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Josipović, Tatjana. "Consumer Protection in EU Residential Mortgage Markets: Common EU Rules on Mortgage Credit in the Mortgage Credit Directive." Cambridge Yearbook of European Legal Studies 16 (2014): 223–53. http://dx.doi.org/10.1017/s1528887000002603.

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AbstractFor many years now, there has been an attempt in the European Union to create a common legal framework for mortgage credit contracts and cross-border activities in the mortgage financial sector. One of the greatest challenges has been the establishment of a corresponding level of consumer protection in EU residential mortgage markets. This issue has become particularly important at the time of financial crisis. Consumers are increasingly exposed to the risk of losing their homes because of failing to fulfil, in due time, their obligations arising from mortgage loans, and thus losing co

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Tarasenko, Artem, and Ruslan Volok. "Essence and features of credit potential formation of banking institutions." PROBLEMS AND PROSPECTS OF ECONOMIC AND MANAGEMENT, no. 4 (40) (December 30, 2024): 291–306. https://doi.org/10.25140/2411-5215-2024-4(40)-291-306.

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Banking institutions play one of the most important roles in development of the country’s financial system and the national economy as a whole. That is why formation of their resource potential for lending and investment activities is an important condition for development of these institutions in current environment. In countries with underdeveloped stock markets, it is particularly important to ensure that commercial banks have financial capacity to carry out lending activities. This method is becoming that most affordable for economic entities in terms of their liability to attract necessar

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Purbayati, Radia, Muhammad Muflih, and Rosma Pakpahan. "Credit Scoring Modelling For Corporate Banking Institutions." Journal Integration of Management Studies 2, no. 1 (2024): 18–28. http://dx.doi.org/10.58229/jims.v2i1.125.

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This research aims to build a credit scoring modeling simulation of bank corporate loans. The credit scoring model is used in assessing creditworthiness in credit decisions. This model determines whether or not a company is eligible for the corporate credit facility it proposes. Observations were made of 100 companies included in the list of Kompas100 Index formers on the Indonesia Stock Exchange (IDX) that have the potential to apply for loans/credits to Bank Financial Institutions (IKB) in optimizing the corporate capital structure through bank debt facilities in the period 2022. Analysis wa

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Костирко, Лідія Андріївна, та Тетяна Василівна Соломатіна. "ФІНАНСОВИЙ ПОТЕНЦІАЛ КРЕДИТНИХ СПІЛОК У СИСТЕМІ РОЗВИТКУ МАЛИХ ФОРМ АГРОБІЗНЕСУ". TIME DESCRIPTION OF ECONOMIC REFORMS, № 1 (5 травня 2020): 57–64. http://dx.doi.org/10.32620/cher.2020.1.08.

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Formulation of problem. The article is focused on the analysis of trends of development of credit unions and the basis for scientific and practical recommendations regarding increasing the financial potential of credit unions in system of development of small forms of agrarian business. The aim of research is the development of theoretical aspects and practical recommendations regarding increasing the financial potential of credit unions in system of development of small forms of governance in agrarian area. The object of the research is the financial potential of credit unions. Methods, used

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Yigezu, AY, and JH Sanders. "Introducing new agricultural technologies and marketing strategies: A means for increasing income and nutrition of farm households in Ethiopia." African Journal of Food, Agriculture, Nutrition and Development 12, no. 53 (2012): 6365–84. http://dx.doi.org/10.18697/ajfand.53.10305.

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Many developing regions have excellent potential agricultural resources. However, historically, the population has become so concentrated in these regions that acute poverty and malnutrition now predominate. The food scientists’ response to the chronic nutrition problem has often been subsidized by bio-fortification with nutrition supplements or more recently cultivars with higher nutrient levels. Where much of the population is in this inadequate nutrition category as in the highland of Ethiopia, the supplements are neither financially feasible nor sustainable. The cultivars can provide a few

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Oktapriana, Chita, Lucia Ari Diyani, and Dade Nurdiniah. "Hubungan Faktor- Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform P2P Lending." Jurnal Akuntansi dan Keuangan 11, no. 2 (2023): 111. http://dx.doi.org/10.29103/jak.v11i2.10998.

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The purpose of this research is to find out whether there is a relationship between educational background, economic motivation and credit installment literacy on the interest of the younger generation to apply for credit online and to the potential for default on these online loans. The target in this study is the younger generation at school age in the city of Bekasi in the age range of 15 to 29 years. This research is a canonical correlation study using primary data. In this study, there are 3 dependent variables, namely educational background, economic drive and literacy in online credit i

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Zeng, Ye. "The Bank Conducts Credit Evaluation on Credit Holders." Highlights in Science, Engineering and Technology 107 (August 15, 2024): 130–36. http://dx.doi.org/10.54097/bjabrh26.

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The study started with data preprocessing, identifying and removing 88 potential outliers in contact duration based on the 3σ rule. Descriptive stats showed a customer base primarily aged 30-50 with a low median deposit balance (440), brief (4-minute) calls, and infrequent interactions. Graphical analysis via bar and pie charts illuminated key demographics: managerial and blue-collar workers dominated, most customers were married, had a low default rate, and approximately 15.3% had active loans. Most customers didn't use deposit products (89.4%). Scatter plots revealed significant correlations

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CHERNYSHOVA, Liliia, and Kateryna MUNTIAN. "Management of development of the deposit resources for a strengthen of the bank's credit potential." Economics. Finances. Law, no. 12 (December 16, 2020): 20–25. http://dx.doi.org/10.37634/efp.2020.12.4.

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The paper is devoted to studying trends in the deposit market of Ukraine and establishing the relationship between the bank's deposit portfolio and strengthening its credit positions. This topic is relevant today, since the security of the deposit base is the key to the sustainable operation of banks in the crisis economy of Ukraine. The purpose of the paper is to study trends in the development of deposit activities of the banking system of Ukraine, establish the interdependence between the deposit resources of banks and the volume of credit operations to develop effective management measures

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PYKA, Irena, and Jan PYKA. "Corporate green investment imperative and risk of a credit crunch in Poland." Scientific Papers of Silesian University of Technology. Organization and Management Series 2021, no. 154 (2021): 233–48. http://dx.doi.org/10.29119/1641-3466.2021.154.17.

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Purpose: The main subject of the article is a phenomenon that is increasingly common in countries of the global economy referred to as the so-called credit crunch. The study analyses the reasons that favour the escalation of risk of a credit crunch in the banking systems. The main objective of the article is to expose them as widely as possible, combining it with verification of the determinants of a credit crunch. Design approach: The empirical research conducted in this study focuses on the Polish banking system. For the first time the credit crunch was observed there in the second half of 2

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Feng, Tongyue, Jiexiang Xu, Zehan Zhou, and Yilang Luo. "How Green Credit Policy Affects Commercial Banks' Credit Risk?" Journal of Cases on Information Technology 26, no. 1 (2023): 1–21. http://dx.doi.org/10.4018/jcit.333858.

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The green credit policy has significantly influenced the growth of green industries in China. This study evaluates its impact on reducing bank credit risk using data from 26 Chinese banks from 2015 to 2021. The authors discovered that the policy's primary effect is linked to banks' financial leverage. Notably, green credit's influence on insolvency risk is most evident in leverage risk. However, despite governmental support for green credit collaboration, prevalent information gaps between banks and green enterprises lead to misjudgments and subsequent credit losses. To address the balance bet

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Forbush, Josephine, Aaron J. McKim, and R. Bud McKendree. "Core Academic Offerings in Michigan Agriculture, Food, and Natural Resources Education Programs." Journal of Agricultural Education 63, no. 3 (2022): 233–46. http://dx.doi.org/10.5032/jae.2022.03233.

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Offering core academic credits (e.g., math, science) for completing agriculture, food, and natural resources (AFNR) coursework at the secondary school level has the potential to increase the strength of the AFNR program as well as student interdisciplinary learning. Informed by the Career and Technical Education Student Typology, we explored the scope of core academic offerings in Michigan AFNR programs, including the frequency of core academic offerings, AFNR course types in which core academics are offered, and types of core academic credit obtained. Findings indicate 95.00% of Michigan teac

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Sachs, Jeffrey. "Disruptions and Potential in the Global Economy." Current History 107, no. 705 (2008): 19–23. http://dx.doi.org/10.1525/curh.2008.107.705.19.

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Will us economic conditions trigger a global slowdown? The answer depends on how macroeconomic policies are managed abroad, and on the vulnerability of foreign financial institutions to the American credit crisis.

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Alamsyah, Andry, Aufa Azhari Hafidh, and Annisa Dwiyanti Mulya. "Innovative Credit Risk Assessment: Leveraging Social Media Data for Inclusive Credit Scoring in Indonesia’s Fintech Sector." Journal of Risk and Financial Management 18, no. 2 (2025): 74. https://doi.org/10.3390/jrfm18020074.

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The financial technology domain has undertaken significant strides toward more inclusive credit scoring systems by integrating alternative data sources, prompting an exploration of how we can further simplify the process of efficiently assessing creditworthiness for the younger generation who lack traditional credit histories and collateral assets. This study introduces a novel approach leveraging social media analytics and advanced machine learning techniques to assess the creditworthiness of individuals without traditional credit histories and collateral assets. Conventional credit scoring m

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